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Medicare insurance may cover a few hours a week of a home aide for bathing and light home assistance. If daily help is needed, the coverage tends to be inadequate.
If your friend qualifies for Medicaid, there are programs which can provide in home aides. However, funding is limited and there is often a waiting list.
I ultimately hired an eldercare expert to help. Spending money to get help getting money for my Dad seemed counterintuitive to me, but it was very worth it in the end. Within 2 months, he was qualified for Medicaid, then qualified for a program that paid for an in-home caregiver 30 hrs/week. I appealed based on his need, and it was increased to 56 hrs/week.
If your friend can qualify for Medicaid [which is different from Medicare] the State might have a program where they could send out an Aide for a few hours per week, but in your friend's case sounds like he/she needs much more care than that. Some States might pay you to be that person's caregiver, but the pay would be minimum with long hours.
Depending on the degree of care your elder friend needs, Medicaid might suggest a skilled nursing home who Medicaid would foot the bill. Now if your friend owns a house, a lien would be placed by Medicaid so that they could receive some type of reimbursement.
As for the family paying, only as a last resort. The family shouldn't need to drain their own retirement funds when Medicaid is available.
But...you can't purchase the policy only when you need it! Many of those policies have no benefits in the first 5 years...and then a sliding scale each year after.
My parents bought such a policy in 2000. They both started collecting benefits in 2016. It is a decent policy...but 16 years of paying more than $600 a month was the price!
For more affordable options, I would check with your care manager because there are options for Veterans, Social Security and other low-income.
I may have read it wrong but I understood the $2000 per month to be a income based benefit where the total income/benefit is $2000/mo. So, if your SSI is $1995/mo, you would only get $5 per month.
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