Mom's in-home care is currently being paid for from her savings account. We pay about $5000 per month for someone to sit with her at night, five days per week. I am looking for other options since her money won't last forever. We live in Maryland. She won't qualify for skilled nursing care in a facility, but I am filling out the paperwork for that anyway. If she was accepted into a nursing home, she would not qualify for Medicaid even when her assets are paid down. That would cost us close to $15,000 per month. The only way Medicare and Medicaid would cover any of it is if she broke a hip and had to go for rehab. I checked into assisted living. While I liked the place, they can't provide the care she needs (if they would even accept her). She is a fall risk and they cannot use rails, alarms, or floor mats. Nor can they strap her in a chair. Again, we'd have to pay out of pocket for the facility and for someone to stay overnight. That would cost more than we are paying now. I am applying for assistance through the Veteran's Administration. That will at least be a little extra money if she is approved. She does not qualify for community based assitance because at $1100 per month SS income ($920 after Medicare is paid), she makes too much money. The limit is $300 per month :-/. When her assets get down to about $11,000 (which will be soon), we can apply for a Medicaid waiver to allow her to stay in her home, but I hear there is an 8-year wait list. While stranger things have happened, at 94, I doubt that she will be here in 8 years.... We are running out of time and money.... Since my brother lives with Mom and has life-threatening health issues, we do not want to force him out of the house in order to sell it. So, our options for paying for the care would be a home equity line of credit or a reverse mortgage. I am applying for a line of credit. She may not qualify because of her income, but I will see... Has anyone had a reverse mortgage? It always sounds too good to be true.