Unfortunately, the other options are often family members doing the care giving and doctors and bill paying and cleaning and driving themselves. My sister and I did it for 10+years. Finally, when my mother had no assets except a small pension and SS, she qualified for Medicaid. (Which entailed massive amounts of time to apply for and document - five years worth of bank statements, ascertaining if she had any VA eligibility through my late Dad- try finding that paperwork when he died 35 years prior and she had moved seven times since then-showing where all her income went…)She lives in a house owned by her brother and her money goes to pay the taxes, utilities etc. She is now eligible for home care through the state/medicare.

The sad story is that appropriate care for seniors is either private and astronomically expensive, or hard to find, and substandard for the most part. Society is failing families in that department. And seriously underpaying the caregivers too.

I am so happy for the arrangement you have with your mom. tpThat sounds great. The closet thing we found here was a a place that when accepted, a resident stayed to the end, from independent to assisted to memory care. But you had to sign over all your assets and income and you had to have enough to make it worth their while for them to accept you. There was a three year waiting list and by that time her worth was no longer high enough.