Are there programs in which she can get compensation or free help? They are both on Medicare and while she gets a monthly payment and my dad receives a little social security, it still doesn't cover the costs of most of her medical bills or basic living expenses: food, utilities, etc...
Why is she not allowed to receive compensation?
Contact your local Senior Center;
Call 2-1-1 to be connected with services.
Is dad a Veteran? If so he may qualify for benefits. Depending on where and when he served and other medical conditions he may qualify for a little help or a LOT.
Contact the local Veterans Assistance Commission or your States Department of Veterans Affairs.
Added bonus...the VA can now pay a Spouse to care for the Veteran.
You might also want to contact your local Senior Service Center there may be programs that could help.
Social Security was never meant to be the whole retirement plan all by itself.
Your parents already get Medicare, and that's a BIG deal; it is funded by taxpayers and automatic after a certain age. So where could your mom receive compensation for caregiving FROM? No free lunch!
If people want cradle-to-grave support and care, the United States might not be the best place to be. Other countries do provide this. However, during their working lives, citizens in those places pay huge amounts of taxes to finance their government's programs.
It all boils down to how people want to live, what they are willing to pay for, and when.