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If you have a shower set-up in your tub area, then HomeDepot sells bathtub-to-shower conversion kits and they can provide a handyman to come install it. They aren't Zero clearance, but it's better than stepping over a high edge. It usually only takes a few hours to do the conversion.
https://www.homedepot.com/p/Cleancut-Medium-White-Step-Bathtub-Conversion-Kit-S-W-M/304971341
Otherwise, if you own the home you are living in (assuming you aren't in a rental) then consider taking out equity to pay for it.
Or maybe consider transitioning to a senior community where they have ADA compliant residences and a continuum of care levels so that you won't have to worry about it in the future.
You must have been born with a silver spoon in your mouth. My Mom as a widow, received $1700 a month. Her property taxes alone were 6k a year. Out of that 1700, 200 was the pension she received from Dads employer. She "just" lived on that money. The house suffered because she could not afford the repairs. You must not be a widow. Because, when a husband dies, who probably made the top money, you lose 1/3 of the SS you received every month. For me that would be close to 1k. Then the pension, the widow only gets a % of that pension, for Mom that was 40%. Thats if there is a pension, not everyone has one. Lots of Seniors are living pay to pay. They are physically able to stay in their homes and should be able to. Where I live, and its a small town, a 1 bedroom apartment is $1400 a month. Cheaper for me to stay in my paid off home for now.
Any grants given to fix up a house goes by income. I so hope that the rest of your life treats you well, no major illnesses or disasters where what money you have is used up and you have to wonder where the money is going to come from to pay your bills.
https://cleancutbath.com/
I think this is what most seniors do who cannot afford the tub to shower conversion .
At 86 , you may need to sell your home sooner rather than later anyway .
Having no bathtub in a home is a ding when trying to sell .
Plumbers cost money, and that’s a big job.
The younger population is beyond fed up with old people who actually have a house, a nice Medicare plan, a pension and ss. All of which are typical at your age, and are more than most of them will get. Do not count on help from the public.
If you sell this property you can live in IL.
If you end up in assisted care, all you would get is a shower chair and a grab bar.
Grab bars... https://tinyurl.com/bddjt3fs
Sliding over the tub shower chair ... https://tinyurl.com/4556z4cb
You can check with your local Senior Service Center and ask if there are programs that might help.
Rather than making changes like that you could do a
Shower chair
Shower bench
Get a hand held shower wand to use, install grab bars. You can get ones that suctions on But they need to be checked each time as they can come lose but they will do until you can get permanent ones installed or if you are in a place where you can not make permanent changes they will be better than none.