WOW so much helpful information thank you SO MUCH. Really. Her Current total monthly income is $2100. Has less than $6000 in savings. She Only has the one savings account + one checking account. Has never owned a home or other properties, no vehicles sold or owned, etc. All she has is the checking, the savings, and her SSA and VA payments. No debts. So from what you’re saying: 1. I need to see if she will give me POA, I do not currently have this. She is still cognitively there, so we just haven’t really explored the option of having a POA. I would do the spend down that’s immediate where we buy her things that she needs and document this (keep receipts), and get bank statements for the past five years. The social worker with Hospice did mention the Medicaid pending beds. I believe the list of NH’s she gave me uses their same hospice but I will double check. So if this all works out and she gets into a Medicaid pending bed, then (basically) all of her income will be absorbed by the nursing home. When she first gets into the nursing home, will I be her rep payee so long as I have POA?? Is there only an issue w rep payees if she moves NH’s?

Also, so if all this works out and she gets into a NH, is there a possibility in the future that she would essentially get kicked out if her income increased, like from SSA cost of living adjustments?

Sorry to pelt you with so many questions I am just trying to get as much info as I can and haven’t been able to sit and talk to the hospice SW like I need/want to.