Sounds like she may need to transition to LTC, which is covered by Medicaid in a facility that accepts Medicaid recipients. You don't post what state she's in. Some states' Medicaid app has a 5-year financial "look back". If I were you I'd invest in a consult with either a Medicaid Planner or an elder law/estate planning attorney so that your mom can protect her ability to qualify. Research good facilities and make sure they accept Medicaid. If she isn't already in a facility by time she runs out of money she may be on waiting lists to get into places. Facilities give existing residents dibs on the available Medicaid beds. Some areas have very long waits.
I do hope that all the caregivers you have hired have contracts, that they are legally being paid to care for her. You will need this proof if and when you have to apply for Medicaid. You might want to start looking into Memory Care now. Quite often there is a LONG wait for "Medicaid beds" and if she is in a facility when the application for Medicaid begins they will keep a resident that has been private pay rather having to transfer her to another facility that has an open Medicaid bed available.
You might want to start looking into Memory Care now. Quite often there is a LONG wait for "Medicaid beds" and if she is in a facility when the application for Medicaid begins they will keep a resident that has been private pay rather having to transfer her to another facility that has an open Medicaid bed available.