She lives alone in a small town. Her house is very old. I'm afraid it might fall down around her. She tried to get the City to build another house or at least fix the one she's in. They said since she has a pre-need policy, that she makes too much money.
She needs the money so her sons will be able to bury her. Can she have that pre-need policy irrevocable. Then get the City to at least repair her home? Or, can she check herself into a nursing facility?
I have never heard of a township helping with repairs or building a home for someone. Your County Office of Aging may be able to help.
Have no idea what a pre-need policy is. Is this a policy that covers expenses after death? How big is it and does it have cash in value? I think I would question why that would have anything to do with her getting help. Even cash in value can't be much.
There is Senior housing subsidized by HUD. Rent is determined by how much your monthly income is. So if all you receive is SS and thats $1000 u would pay 30% of that in rent. Where I live they are pretty nice.
So what exactly is your backstory?
I think it was the building department that administered these funds, but I don't recall for sure.
Habitat for Humanity also makes gratis repairs, sometimes including much more beyond the immediate repairs needed. Some years ago I met people on a DIY forum who volunteered their services, including for some Methodist churches which at that time also provided some assistance. Christmas in April is another organization that functions like the Habitat.
I don't know though whether or not these charitable organizations are still providing these services in the pandemic.
You might also check out the county's website to see what assistance it offers. Ours provides low income loans for rehab. I've gotten several offers from them, but after seeing one of their "contractors", I wouldn't let them on my property w/o the county providing high levels of liability coverage, not only for the workers but for me. The one "contractor" I met was sloppy, didn't take safety precautions, and put his workers in danger.