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Imho, she requires a higher level of care than an IL.
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In my experience I would put off AL until absolutely necessary. You are right that it is very expensive and if she doesn't need that level of care not worth it right now. She would still basically stay in her room if that is what she wants. My experience with AL is that the "assistance" was minimal compared to the cost increase.
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There are ways you can go to seek additional medical help. Was she ever married to a veteran or a veteran herself. Ask a lawyer..
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