We cannot afford to put my mom in a home , she has Parkinson’s and some dementia, it’s getting harder and harder to deal with her
Itooks like SC allows the establishment of an Income Trust.
.https://www.seniorplanning.org/long-term-care-medicaid-eligibility/south-carolina/
The excess SS monies go into a trust t hat reverts to the state upon her death.
You should have a consult with an eldercare attorney or Medicaid planner to find out about how to set this up.