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Your best option if your grandmother is not mentally competent and unable to make medical or financial decisions for herself and has no POA would be to seek guardianship. You would need to hire an elder law attorney and go through the court to do so, as the court has to agree with grandmother's doctor and based on the evidence provided that mom is not legally competent in order for a guardian to be appointed.
If you were appointed guardian, you would be the one making the medical and financial (including housing) decisions on your grandmother's behalf.
I know it must be very hard for your grandmother to imagine going to AL or NH. However, if the social worker and PT nurse both believe she would be a danger to herself there in her home, AL or NH probably is going to be the best for her in the long run. 24/7 home care is going to be very expensive.
At an AL or nursing facility, she would be able to have assistance with bathing, dressing, medications, etc if she needs it. and most would (or should) have grab bars and other modifications to make it less likely that she would fall.
My parents were in their 90's and still were living in their home which had a lot of stairs. My Mom refused to downsize, and refused to allow any "strangers" to come into the house... thus no caregivers or cleaning crews. Yep, both of my parents were fall risks.
My Mom had passed from a very serious fall. Doctors had told her she needed around the clock caregivers to help limit her falls but Mom insisted that my Dad could catch her if she started to fall. Well, Dad being in his 90's was no Superman. It would take him 5 minutes just to get up off a chair, but then Mom's fall would be completed.
My Dad then hired caregivers for himself around the clock [3 shifts of 8 hours each]. The cost was $20k per month, which was the going rate for my area.
Then Dad decided the house was becoming too much work. Something was always needing fixing. And at his age, before he had caregivers, one would see him outside shoving snow. Plus Dad was always falling in his gardens and it would take a neighbor walking by to notice.
Eventually Dad moved to Independent Living which he loved. The cost was $5k per month, and Dad didn't need to worry when it rained that the sump pump would fail.... or during a storm that the power would go out.... he didn't need to worry about cooking, housekeeping, or laundry.... and he didn't need to worry about stairs. Ah what a relief.
There are pros and cons, mainly more cons, when it comes to an elder remaining at home. They are in total denial that they can no longer maintain the home. When my Dad moved from his home, he said for me to tell the house.... it had to be sold in "as is" condition.