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"In general, the income limit for SSI is the federal benefit rate (FBR), which is $783 per month for an individual and $1,175 per month for a couple in 2020. Remember, though, that not all income is countable, and so you can earn more than $783 per month and still qualify for SSI"
SS may not count as income in this situation. MIL only brings in 13,000 a year. Does hurt to try. And if she qualifies, Medicaid is automatic.
Step two, contact local county dept of aging and see options. DH will have to take her to look at a few. Go on waitlist
She is 69, she could live 20 years.
I would tell my husband that she finds a nice senior apartment or he can take over because you are taking your children and leaving. Not fair to him? What about him not being fair to you and your children by putting his mommy 1st.
As JoAnn stated, if she is to sick to help around the house, she is to sick to drive. The car needs to go if she stays and some new rules and regulations need to be enforced. She is using you guys and that is shameful. What are your children learning from this?
Have you looked into Medicaid for her supplimental. They only look at her income. She would get prescriptions, health insurance, dental and vision. (Some states don't have dental and vision) You may want to see if she qualifies for SSI which is a supplimental income. With that and her SS it may give her enough money to get a place of her own.
In my area HUD has nice apartments. They ask for 30% of your monthly income. All Mom would pay would be electric and cable. She could get food stamps. You should have a County Social Service office who can help you.