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What do you mean, most likely?
What assessments led to your mother being moved from her ILF to memory care?
Without understanding what has happened so far, I haven't the first idea of what you should tell your mother about it.
My Mom and I moved in together June 2008 about 6 months after my Dad died. Because Mom has Macular Degeneration, we would sit down and pay the bills & write the checks together. Thus Mom could talk about her finances in depth even when Major Depression (so severe that she could no longer do her own ADLs) and Dementia resulted in her hospitalization and admittance to a long term care facility in May 2017. After a minor legal battle to confirm that I am her D-POA & POA-Health Care, Mom would occasionally ask about her finances. I would give Mom a basic overview of her checking account balances and what bills I had paid and what bills I needed to pay and she was satisfied that I was handling her two farms properly.
First you need to read your Mom's D-POA document to see when and what events need to happen for the D-POA to be "activated". My Mom's D-POA could be “activated” whenever she was “disabled or incapacitated” such as when she is in the hospital or a nursing home and is not dependent on any proof of her incompetence.
There have been so many good suggestions of what to tell your Mom about finances that I really can’t add to them. The main thing is to remember is that you cannot reason with someone with Dementia. Frustrating?? Definitely! Feasible?? Yes! You may need to try different responses to see which ones your Mom responds to the best. Good Luck.
My Dad wanted to make sure all his books would fit in his studio apartment, and thankfully all of Dad's bookcases and all his books did fit. It was like a safe cocoon for him.
Laura, we haven't heard back from you since you wrote your original question. Hope everything is ok.
Be matter-of-fact about this, and try to avoid arguments. "Yes, wasn't your old apartment nice? I'm so glad you got to live there for almost three years. And this new apartment is going to be nice, also. As soon as you get used to it, I'll bet you'll like it even better."
You don't need to convince her that she can't live independently. This new apartment just has more services. As glad says, you can't really explain or reason with dementia.
My Dad's only concern were the meals. He was soooo happy it would be the same chef.
My Dad let me take over all of the financials earlier on. So I transferred all of Dad's mail over to my house back when he lived in his house. That way I saw what bills he had.
Dad and I had gone to the bank to set up a bank account which would allow me to write and sign Dad's checks for his bills. I made sure I kept copies of the bills and copies of the checks in a 3-ring binder, just in case way down the road Dad may need to sign up for Medicaid.
Financial? I would leave that alone unless mom asks. Will you be doing this as POA? Does the POA require she be incapacitated as determined by two doctors?