My parents live together, in Massachusetts, still married. Dad has a pension of $65,000 through the state of Connecticut which includes BCBS as a secondary payer source. They are both on Medicare and are receiving SSI, mom SSDI. We have come to a point where mom is unsafe to be home. Dad is unable to care for her due to his own health issues. To have a private company come in 24/7 is cost prohibitive. Family coming in is not a viable alternative as we have to work to support families. They cannot afford Assisted living. My father-in-law was able to utilize MassHealth for long term care even though he was receiving a pension and SSI at the time. Is there a way for us to do this for my Mom as well?