My mother in law truly needs to be in a nursing home. She has mobility problems and has been making some careless missteps that I'm afraid will lead to a fall or something worse. She is only on Social Security and has a Medicare Advantage plan. She never worked outside of the home so her Social Security is small at $1200 per month. Right now she's in a 2 floor apartment but should not be. She has a savings bank account which has been in her's and her daughter's names since 1996 after my father in law passed away. If a nursing home was to take it all, I'm sure she'd never consent. The account is less than $20k but to her it's a big fortune. I'm sure living through many recessions helped her to feel this way. So, before I go further with considering the possibility of a nursing, can anyone shed some light on her joint names savings account? Thanks so much for any help you can give.