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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!
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.
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.
For more affordable options, I would check with your care manager because there are options for Veterans, Social Security and other low-income.
Does this woman have family? If so, they should be helping her. If not, she needs to call her supplemental insurance to see if an aide is covered. If not, Medicaid can be called in to evaluate for one but she is going to have to prove her finances. Office of Aging can also evaluate for an aide. In the meantime does she need a shower chair? A handheld shower head. Rails in the tub. You can get suction cup kind that I personally had no problem with.