Generally, when there’s a house it’s up to the ppl living in it to do the caregiving or if that doesn’t apply, to spend money down to subsidize the aides. A reverse mortgage doesn’t have to be paid until they leave the home, so it can pay for that.
I echo all the respondents here regarding starting the process to qualify for Medicaid. In NYS, there is a program called Medicaid Managed Long Term Care, aimed at keeping disabled residents in their homes instead of nursing facilities. It pays for numerous services, like certain supplies and home health aides. Other states may have similar programs. It helped me, as my Mom's full-time caregiver, to keep her safely at home.
Your friend/loved one is way beyond "Assisted Living" care and requires Skilled Nursing Care. Assisted Living requires an elder to be fairly independent; not unable to walk or needing 24/7 care!! Your loved one needs to apply for Medicaid and then get care in a Skilled Nursing Facility that accepts Medicaid for the monthly costs.
She needs to be in a nursing home if she is 24/7 care. As others have said, go to your local Agency on Aging for assistance. If she can't afford a nursing home, she needs to apply for Medicaid. Medicaid will cover the costs of skilled nursing if she can't afford it and if she needs it. and she does need it if she can't perform ADL's by herself.
You can contact your local area's Agency on Aging for resources but like the others have pointed out, she now seems to need LTC. State Medicaid + her social security will cover this. My MIL is in a very nice facility on Medicaid. She gets a lot more social exposure there and receives all the same care and protection as any other resident. For now she doesn't have a roommate, but typically Medicaid usually only pays for a shared room.
You should start touring facilities and make sure you confirm that they accept Medicaid as not every one does. Sometimes there are waiting lists for Medicaid recipients depending on where you live. If this is the case, you may want to consider having your mom enter as a private pay resident and then just spend down her assets until she qualifies, since existing residents get first dibs on Medicaid beds over the outside waiting list people.
Pamdarlene, I agree with MACinCT, that your Mom now needs a Nursing Home
There is a monthly fee for Nursing Home care, I remember in my area where my Mom was staying, Dad was paying $12k per month [varies from city to city]. If your Mom cannot budget for that amount, then time to call your State Medicaid office [different from Medicare]. Every State runs their Medicaid differently.
Good luck!
You should start touring facilities and make sure you confirm that they accept Medicaid as not every one does. Sometimes there are waiting lists for Medicaid recipients depending on where you live. If this is the case, you may want to consider having your mom enter as a private pay resident and then just spend down her assets until she qualifies, since existing residents get first dibs on Medicaid beds over the outside waiting list people.
There is a monthly fee for Nursing Home care, I remember in my area where my Mom was staying, Dad was paying $12k per month [varies from city to city]. If your Mom cannot budget for that amount, then time to call your State Medicaid office [different from Medicare]. Every State runs their Medicaid differently.