MIL needs to go into a nursing home, but she is over the income limit for Medicaid and we cannot private pay for her care. What are our options?

My MIL has Alzheimer's. We live in Wisconsin. She requires 24/7 supervision and care. My husband and I have been caring for her up to this point at home. My husband had a stroke 2 weeks ago and cannot care for her and I will need to work full-time to support us. My MIL gets 2 annuity payments, which were set up through an employer and I find out we cannot sell or transfer them and they are paid for lifetime. With that and her Social Security she is over the income limit for Medicad. We were told that we cannot put her in a facility unless we are private pay, which obviously we cannot afford. We were basically told that no facility will take her unless we are private pay. Any suggestions would be greatly appreciated.