If Mom is living in her own house, with an existing mortgage, can she continue to pay bills at the same rate, such as mortgage?? She will need help paying for home-care a few hours a day when all her savings is gone. However, her monthly lifetime benefits (SS and retirement acct) are currently paying for supplemental insurance, mortgage, utilities, food etc. Will she have to live in a cheaper place to be eligible for Medicaid so they can use more of her income to pay for services? Her mortgage is about $1000/mo. What if it was $20,000/mo? If she spends it each month, she will still be below the $2,000 limit, right?