Long story short, after all factors considered, senior independent living in a facility would be best for my mom. She doesn't need assisted living or nursing home services and is pretty much independent. The problem is she doesn't have enough to pay private pay for more than a couple years. Is there anyway to get around this affordability problem because nobody seems to have any answers to the affordability problem for someone who doesn't needed AL but doesn't have enough money to pay out of pocket for the independent senior living. Thanks.
55+ communities with activities is what it sounds like you are looking for. These come as trailer courts, apartment buildings, more expensive ones have brick and mortar homes.
That would be the 1st place I would check. 55+ communities