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To help her legally, you have to a POA in place that lists your ability to do finances and if she gets to the point of where she truly cannot do her finances and can no longer sign her name and if she gets paid by the government then social security will need to label you as a rep so you can have a proper bank account.
Do you have a financial power of attorney?
Is your mother willing to allow you to help at this time, POA or not?
If there is no POA, how far into dementia is your mother? Is she still competent to execute a POA? If it's too late for the POA, you may want to talk to someone as to guardianship/conservatorship. There will come a point that you won't be able to take care of financial matters without either a POA or conservatorship.
I was lucky in that my mother-in-law simply asked for help, and then she just turned it all over to me. I got everything caught up, then knowing what was coming, she executed a new POA with me as one of the POAs (her old one didn't list me, and her son and her brother had no interest in handling things, and they still don't!)
But I know others here have family members who believe they are still able to handle things, and things can get far more complicated.
If you feel like sharing a bit more about your situation, I'm sure more pointed ideas will be passed along.
Best wishes.