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Does she have a potty chair by her bed? Is she opposed to diapers? The new diapers are really more like thick underwear that easily pull on. I hope this helps you in some way to decide what's best all around.
If your mom needs 24-hour care she can either get it in her home with around the clock aides or in a nursing home.
Something may happen to force the issue. One of her falls may require hospitalization -- she'll be unconscious or in severe pain. That will change the game. Or one of her falls may be fatal. Or her memory loss may become so severe she'll forget where she is or that she wants to stay there.
How long could she afford three full (8 hour) shifts of care in her home? (I know that is very expensive.) After all of her assets are spent, Medicaid would cover her nursing home charges. They would cover some in-home care instead, but not 24 hours, because a nursing home at that point is more cost effective.
I sympathize with the poor dear wanting to die at home. I sympathize with your desire to keep her safe. This is a very difficult challenge.
Living alone? Yes, she would be better off in a nursing home.
Living in her house with 3 shifts of caregivers? Not necessarily. With the right arrangements made she might be better off or at least as well off in her home than in a nursing home. Maybe, maybe not. Can she afford around-the-clock care?
Who takes care of her now?