Mom has plenty of money. She will never need Medicaid. She is on hospice and home with me. It is a blessing. I am however unable to leave her alone. Hiring sitters would cost more than it is worth leaving her in my home with strangers. Is the expense of her care (water, power, land line for her-I have a cell) How do I keep that separate? Do I worry about this? I have one sibling who is sadly also terminally ill. I want to send him money too before his and her death. 14,000$ is allowed a year I hear. Who answers these questions?