The Only Child of a Mentally Ill Mother. My mother is at the point when her physical frailty is noticeable but she's still able to do most things by herself. She gets around by Access or Dial-A-Ride. However, she is mentally ill and I have very low income. I don't know what to do when she will need a caregiver, because she is too toxic to be around, and I don't know enough about her financial affairs to be able to apply for IHSS. I have no siblings, no spouse, no significant other, no kids, and other family members want nothing to do with her. I feel absolutely alone in all this. What am I going to do when my mom really needs help?