My mother is 74 yo. She has a history of diabetes, hypertension and high cholesterol. She had a stroke in 2008 but recovered well. She was living independently until mid-March. She was hospitalized for hydrocephalus (fluid build up in her brain). She had surgery and then was inpatient rehab unit until 04/14. Her short term memory is almost non-existent right now. The hospital said that she needs to have someone with her all the time right now. She only has Social Security as her source of income. My brother is self-employed and can't stay with her too much and I am an essential employee and still working. How do I get started with getting someone to stay with her? Who determines the need so that insurance will pay?