Mom (92) is independent, wants a cottage kind of home, and has limited funds. Advice?

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Mom is 92 - very smart, takes care of self, hard of hearing, still drives during the day, wants to move up here from Florida so she's closer to us. Has limited moneys, just social security. Loves bingo. Anxious and overwhelmed at the move. CICOA was not helpful; "they don't do housing," pretty sure she would not meet the Medicaid Waiver -- would appreciate specific suggestions as to places to check out. I'm in Indianapolis, on the northeast side.

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check out some of the private lakes in central indiana . many have everything from campers to trailers to cabins for rent pretty cheaply . whip poor will lake in martinsville comes to mind . i lived there once when first married . lovely place .
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Atul Gawande, in his book, On being Mortal, talks about new client centered, community based elder communities. I believe the ones he talked about were in Massachusetts. I'll see what i can find.
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Seniors living in a nice mobielhome park have a semi-independent lifestyle with bingo, congregate meals, home-delivered meals, support of neighbors looking out for each other, etc. This can be an affordable option before a nursing home.
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Another suggestion: An in-law unit placed on your property. See tiny-house living; Park Model trailer/manufactured homes.
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I think it was Babalou, one of our regular and very knowledgeable and helpful posters, who sometime mentioned a different kind of retirement community. I can't find the links or any reference I might have saved, but it was an appealing setting, and if I recall correctly had a lot of planned activities for the residents.

Maybe someone else has knowledge of this type of community?
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I would contact a realtor; she/he would probably be the best source to find the cottage type home your mother wants, unless she qualifies for Section 8 housing.

You might also inquire about retirement communities, especially ones in scenic areas so she could still have some of the Florida riverine and ocean atmosphere of water.
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