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I hate those that take advantage .
some resources:
https://www.dementiacarecentral.com/medicaid/alzheimers
https://www.alz.org/help-support/caregiving/financial-legal-planning/medicaid
https://www.payingforseniorcare.com/memory-care
since the OP is in South Carolina, here’s something state specific https://www.dementiacarecentral.com/memory-care/south-carolina
most are those that family spent all their money 6 years prior .. no current assets
if u have any assets U PAY !!!
ASK A NURSING HOME THEIR RULES
With limited short term memory can she: remember her room location, independently read and understand the activity calendar and get herself to the appropriate room at the correct time to participate? Can she choose a meal from a menu without much help, find the dining room, remember the dining times? Can she turn her TV on ? Does she remember the virus issues and is able to remember to mask outside her apartment, and understand why you cant visit as usual? With all the covid restrictions, staff is stretched thin, so extra help is limited.
As other people have mentioned, $2000 is an exceptional price.
My mom's AL was base price 4000 + a care cost which varied based on need.( They evaluated residents every 3 months . Care level 1,2, etc) so your cost would change as your needs increased. They had their nurse evaluation there or cognitive and had her PCP fax over a medical questionnaire and med needs.
She is now in memory care where the base price 5000 + care cost
For her AL when she first moved in was about $4400, now in Memory care is $6900.
Luckily although this journey has been a challenge especially with covid, my parents planned ahead with LTC insurance and decent retirement savings, so we are ok there.
There are some other ways to pay for care facilities. If she qualifies for medicaid, that would pay for MC in a NH. If your father, or she, was a veteran, she may be eligible for financial aid thru the VA. Call them. Does your mom have any life insurance? If so, she can sell the policy to a settlement company and obtain cash for it. Also, some policies have an accelerated death benefit where the owner can cash in part of the face value of the policy if the need meets the contract requirements.
If I were in your shoes, IF she is fairly easy going and not wandering off, sundowning, or being combative, I'd continue having her live with me for a few more months. Just my opinion.
If she is becoming hard to handle, then AL or MC.
Also, I have not had to deal with a loved one in MC for several years, but it used to be that MC was tax deductible as a medical expense. Check into that.