I am back with an almost-repeat question. Previously, we were looking at ALF for my mom, but it was not really necessary. Recently she had a couple of mini-strokes, and now it is. But she is in that in-between world where she is really still higher functioning that a nursing home represents, but probably not able to live on her own. She has Anthem for her supplemental insurance, but they would only pay for in-home rehab, when she was clearly unable to live alone. So now we will have to pay at least $2500 (could be more) for a two week stay at a rehab center (this is all being appealed, but has been denied twice).
She is currently home with my brother, but that is not a long-term strategy.
What do people do in cases like this? Her SS income is about $1600 per month, and she has assets of about $35000. Protecting this money is not an issue, only how to get her help in living... Even the most modest ALF facilities are way more than that, and most do not take Medicaid patients.
If anyone, especially in KY, has suggestions, I would love to hear them.