My mom has long term healthcare insurance that may not pay for her assisted living...She needs to self pay for two year and may just make is barely. If her long term health care denies her claim, do you know of any other way to get funds to pay for her?
Anyway... you might find that paying for AL is doable. The number sounds big when you first hear it, but when you do the calculations you may find there is enough money.
In her state, does Medicaid pay for AL?
Where are you getting this information from?