I am trying to figure out next steps for Mom. She is 94 and has aphasia. Her speech is not understandable most of the time. She does let you know if she wants to eat or go to the bathroom. Her balance is also bad, and she is a major fall risk. More and more, she needs assistance walking. She also has dysphagia. She is still in her home. I currently have caregivers coming in at night 8 p.m. - 8 a.m. M-F. My middle brother spends the night on Saturdays, and I spend the night on Sundays. I am also at her house about 12 hours a day. My older brother lives with her, but has his own health issues so he cannot help Mom, especially when she gets up several times at night or doesn't sleep at all (hence the reason for the evening caregivers). She receives in-home palliative care through a hospice program. They have her at 40% on the palliative care scale. She really needs someone with her all the time. The evening care costs about $5k per month (24/7 care would cost $12K). In about 2 months, I am going to start worrying about Mom running out of money. We are all on fixed incomes, so pitching in to afford her care is not an option. Other options to keep her in her home would be to get a reverse mortgage (always sounds too good to be true...), or a home equity loan. We don't want to throw our brother out on the street by selling her house. I understand that if a disabled adult is in the house, it would be exempt from Medicaid for paying down assets. What other options do I have if she is still with us in 2 months? I realize Medicare covers nothing (except medical expenses). What type of residence facility is covered by Medicaid? Assisted Living? Memory Care? What would be best?