She gets social security, and we don’t have a lot of money ourselves and are no longer able to be with her 24/7. We are in Maryland, and are scared of what we can do. Will her medicare do anything? Is it too late for something like long term care insurance? We have no idea where to start.
Thanks for any insight.
As an interim step between what you’re doing now and 24/7 residential care, see if your community has a senior center. They will know local options. Also look into local adult day health programs (sometimes called adult day care).