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For eg:
If Mom needs LTC in Future?
Care giving (we have home health aid 20 hours/week)

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Not just any attorney! You need input/advice and agreements from an elder law attorney so mom's Medicaid benefits are not placed in jeapordy.
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Your assets are separate and they need to stay separate. Moms home health aids are paid with her money correct? Will she qualify for Medicaid?
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I would see an attorney.

I do recall IsThisRealyReal here saying that HOW you accept money is important. For instance, if you charge rental by an agreement, that is income. Whereas if you instead make an agreement to share costs, say a part of mortgage or rental, bills, food and etc. it is NOT considered income.

Were I you I would spend the 400.00 or so to have a conference with an attorney and make a care agreement that protects both YOU and your Mom. You cannot have her in future denied benefits because she was considered to be doing "gifting". I know it is hard afford, but this is stuff you cannot afford to get wrong, and opinions on a Forum are only opinions.

I wish you the best of luck.
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