My 97-year old mom lives in an independent living facility with a tub with a cut-out. It works just fine. I have a shower bench in there and the only difficult part is stepping in and out. But it's much, much cheaper than a walk-in tub. Just install some good grab bars for her to hold on to when she steps in or out.
You may want to check with local contractors about the tub cut option that Pam mentioned above. I had my mother's tub cut down, making it a walk-in tub (without a door, we just blocked the opening with the shower curtain) for $800 total. Far cheaper than the $4,000 walk-in tub and definitely cheaper than the $13,000 quoted to remodel the entire bathroom and make it handicap accessible with a roll-in shower.
One suggestion is to call your county Agency on Aging to see if they know of anyone who has a program to help pay for a walk-in shower. Those showers are expensive if one is taking out a bath tub and replacing it with a shower.
Another suggestion is to have the existing tub have a cut out made so it becomes a walk-in shower.... it is much cheaper doing that.
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Another suggestion is to have the existing tub have a cut out made so it becomes a walk-in shower.... it is much cheaper doing that.