I am looking at a possible AL facility for Mom. If she is approved to receive Veteran's benefits from Dad's service in the 1960s, as his widow, she might have enough income each month combined with her social security to cover her costs. I think the monthly fee covers all food and utilities. I am adding her insurance premiums as additional expenses she will have that are covered by the combined income. Is there anything else I need to budget for to see if she can afford the place? Her cell phone, maybe? Any clothing she might need, soap/shampoo, etc. We'll save up for her burial costs before she is admitted. Anything else?
I don't want to think she can afford it and then find out when she gets there that she cannot afford it after all. Her financial cushion is very, very thin. Would love to hear from others.