Mom only has Medicare and been in an ALF for 3 years.
1. Mom is 91 with beginning/moderate dementia, is hearing impaired/deaf, and is moody. Now, she cannot walk or use her walker to move around and is incontinent for #1 & #2. I pay ALF with mom's Medicare. ALF want me to pay for diapers since mom does not have MEDICAID. I thought this was included with ALF's monthly fee. Who pays? Me/for my Mom or ALF.
2. ALF suggests to make mom's checking account's balance lower than $2,000 for next three months and thereafter, so that my mom/ALF can apply for MEDICAID for her diapers. My mom's checking account is mine too; and the extra money is mine which I put there to make mom feel good about herself thinking she will pay for our daughter's wedding next year, but it is not moms'. She does not own property or has assets. Had I known, I would have left this account with the minimal balance and the money she get from Medicare of $1,800 only. But I do not want to remove MY money/my name is in this account (for our DAUGHTER'S WEDDING) if it is considered wrong or illegal or fraud or ??
3. Since my mom has taken a turn for the worse, and is not walking and needs diapers, should she be moved to another place that handle her new needs? Her appetite is great and has received excellent love and care here. But, perhaps I should consider her new symptoms or deterioration? But I do not know what would be proper or available for her particular needs now that she is bed- ridden? I do not know or understand the difference in care, price, or Medicare/Medicaid coverage for (A) a nursing home or (B) long term care or an ALF???HELP !!! THANKING YOU IN ADVANCE FOR YOUR HELP.