My mother is 65 but has MS, COPD, and many other problems. She can barely walk and has a hard time with many daily tasks. She usually manages to be independent but she has started to fall almost monthly while reaching for things and other. Our biggest concern is there are 2 steps at the exit of our home. She often cannot get up those 2 steps. She is trying to get us to build a ramp so she can use them, but that ramp has to extend 16 feet into the basement, plus would make it unable to use the elevator.
There is an option for her to use the back door, but there would have to be a sidewalk around the whole house and I don't think she could walk that far.
I understand why she does not want to leave, she has spent some money fixing up her room so it is nice, but she cannot get out of the house often and needs more help than we can provide. My husband and I both work and we have 4 kids so I am super busy. She claims she cannot afford assisted living, she could but it would take all of her social security. We just don't know what to do.
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In NC, the state covers the costs for Assisted Living for people who really need help with daily activities. If your income is below a certain amount and your assets, (besides one home and one car) are below a certain number, you may qualify. The recipient does get to keep some money each month from their check. There are some VERY nice places that do accept this type of payment. I'd look around and visit. Get the details.
It may also be that your mom doesn't qualify for financial assistance based on her income and/or assets. I'd explore to find out what is available. I'd do it immediately. The reason is that when seniors start falling, things don't normally get better. They normally go downhill and soon are looking at someone with a fractured hip requiring surgery and a nursing home care. Recovery from that is very difficult.
I know it's difficult to convince seniors the value of safety when falls are a problem, but I'd keep trying. I'd make sure you have her signed Durable POA and Healthcare POA in hand.