When the time comes, my mother hasn't enough money saved for a good long term care facility. She doesn't qualify for Medicaid as she has been told she makes too much money. This is a joke. We all know a person can't even afford a room in someone's home with SS benefits. State facilities have been exposed in my area for unsanitary conditions and lack of care. Patients have been abused and left to unchanged dirty clothing and terrible personal care. It seems as though money is the answer to finding a clean, caring environment. What do you do?
The bigger problem is her health. Medicaid only pays if there is a medical need. Being old is not a medical need.
Has she considered options outside the US. Many places are much cheaper. Even just south of the border in Mexico, a NH that would run $100,000 in the US is about $20,000. You can get back to a US hospital if needed faster than many people that live in the rural US can get to a hospital.
That is if she needs a NH. If she doesn't, there are places all over the world that Americans retire to where you can live quite comfortably for $20,000 or less a year. Even in Japan, a senior can live by themself and pay for all their needs for about $8,000 a year.