She owns her own home , it is paid for she gets basic SS and has $$$ in the form of CDs to leave to her 3 children one being my father
She is independent recently got very sick and no one would come help so I did , her children are all retired and sheltered in place
Im not retired and still have a child at home .....I have a job and had to take time off to take care of Grandma
I don't know if the children want to give up their inheritance to pay me but nobody is stepping up?
(For Medicaid's view of the matter, see worriedinCali's explanation)
If she doesn't already get this important point, what you need to help her understand is that her money must be spent on her expenses first and then any that remains can go in due course to whomever she chooses. At the moment, I'm guessing, she would rather set aside her children's legacies and get by somehow on what's left over. She has in mind the cart before the horse.
What have your father and aunts actually had to say about the cost of her care? That they are self-isolating is probably quite sensible. It does not follow that they do or can expect you to abandon paid work and your other family commitments to provide her with care free of charge.
Have you talked to your grandmother about this?
The agreement should also look at replacing you wages for the days you take off to care for her. If you usually make $200 a day, then she pays you that, plus reimburses you for mileage etc.
https://www.agingcare.com/articles/how-to-get-paid-for-being-a-caregiver-135476.htm
Yes, you are probably correct that her beneficiaries, one of which is one of your parents, will most likely not want to lose inheritance to cost of care. But, grandma's assets are for her care, FIRST. If they won't get a caregiver agreement to pay you, tell them to find someone else.