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Is it possible to spend a couple of days with her in her home to see how she's managing things like the stove, the clothes dryer, heat theromstat? If she's having difficulty with some things, it might mean she is at risk of some dangers in the house.
Does she take medications? If so, can you be assured she is doing it correctly?
Who keeps up with her bank account? Are her bills being paid? Is she susceptible to undue influence by strangers. My cousin would talk to strangers in the grocery store about her bank account funds! She would give too much info to strangers on the phone. No amount of warnings made a different.
I went with my cousin to the doctor and took a list of my concerns and observations. The doctor conducted a mini evaluation. It consist of some oral questions and having her draw something on paper. It's short and not invasive. It might provide some answers.
I think it would not be unusual if it was age related decline. Still, I would make sure I had her Durable Power of Attorney, Healthcare POA, Living Will, etc. while she is still competent.
If she will cooperate or there's a way to use a little deception, maybe get he examined. It couldn't hurt, but like us, is it worth the battle?