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If there is Long-term care insurance, the policy will usually include a fixed amount for equipment and modifications to meet the ADL requirements of the person.

Things like converting a tub to a shower, a bathtub cutout to make stepping into the shower easier (about $2,000 compared to $10,000+ for a tub replacement), a toilet riser and grab bars may be covered. This money could also be used for other medically necessary equipment that is not covered by Medicare.
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Reply to SeniorProsBrad
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This is a forum of mostly unpaid family caregivers (and care receivers) centered around support and education. You don't tell us what state you are in, which would be helpful.

From ChatGPT:

Call 2-1-1 (United Way helpline)
Say:
“Elderly homeowner needs help with bathroom repairs for safety”
They will route to local programs immediately.

or

Search “Area Agency on Aging +[your city/state or zipcode]”

or

Local city or county housing department
Ask about:
“home repair grants”
“senior home modification programs”

⚠️ Important reality check:
There is almost never instant cash But there ARE:
- grants
- volunteer repair programs
- forgivable loans

Also:

Eligibility usually depends on:
- income
- home ownership
- location (rural vs urban)
- age 
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