Mom Sells home using funds to live in one side of twinplex owned by Son#3. No housing in Mom's name. She pays taxes for her side. Son#2 loses home and moves in with Mom, puts utilities in his name and pays. Mom has POA set up for all bank accounts. POD.
Moms health declines so Son#2 quits his job to take care of her- no income/savings for him.
Mom begins paying Son#2 a monthly to care for her.
Mom goes on hospice with end of life presenting several times but Mom's a fighter. Son#2 continues to care for Mom, but several years acting as caregiver, 24/7 is taking its toll on him. He has become severely depressed and is not sure how much longer he can continue, so a nursing home is possible. Mom has promised Son#2 her savings for putting his life on hold to care for her.
We are doing everything we can to keep Mom out of a nursing home to preserve her funds.
1. Since no caregiver contract, should Mom continue to pay Son#2?
2. Since Utilities are in Son#2 names, is it ok for Mom to pay them?
3. Is there a way to protect the savings account of ~ $50k?