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2) Has mom been assessed?
3) Just to confirm, mom lives alone?
4) "Cost is an issue to my sibling." Does this mean someone wants to preserve assets so someone can inherit more?
1) If there aren't POAs in place, you can try getting this done NOW. A good EC atty can interview your mother and determine if she is capable of signing legal documents (mom's assets should pay - check naela.org for local attys, many offer initial free consult, so have your questions ready!) If EC atty determines mom isn't capable, someone will have to be her guardian (EC atty can assist with that too.)
NOTE: POAs allow you to sign paperwork and make some decisions for the person that they would have made if they didn't have cognitive issues. It does not give you the power to force her to move.
2) A GOOD assessment will help you to put mom's abilities on a scale, determine how much she can do, and decide whether she should be living alone, in AL or MC. It would also give your assessment of your mother more support. Getting some good information about dementia to your sibling, assuming s/he will actually read it, could be helpful. This can help you as well (I knew little about dementia before mom's early signs. Knowing more about it enabled me to make decisions for her and know when it was time to intervene.) Too often those who are not around the LO as much don't see the big picture and/or are in denial, so if sibling doesn't interact much with mom, s/he won't get it. Also, sometimes in the early stages the LOs can "show time" - they can pull it together for short visits (such as with docs) and appear relatively normal. It is only when they can't keep those walls up, can't support them, that it all falls apart. Sibling needs to spend a day or more with mom, to get a better picture (you go & stay in the background and let sibling SEE.)
3) If mom is living alone, relying on you to take her to appts, shopping, or whatever, she could be in danger. As others noted, she could forget the stove in on and start a fire, she could get hurt and be unable to call for help, she could start wandering - any number of dangers lurk for those with cognitive issues! The problem is there's no definitive timeline to work with, so she could start doing these at any time, even though 'we have never seen her do this before!' If she has to take medication, this can also be a danger as she can forget to take them, think she already took them or think she hasn't taken them when in fact she has. Any of these scenarios could be hazardous to her health! A locked timed dispenser can help, but she would need someone checking (our mom would sometimes miss the alert or just not take them.)
#4 is a HUGE issue for many families!! IF this is sibling's thinking, sibling is dead wrong. The assets your mom has are HERS and should be used to care for her, whether it's bringing help in or finding a nice place for her. While it's nice if one can leave a legacy to their children, it's NOT a right and should NEVER be considered if the person has needs to be met!
As to your initial question, who decides:
IF you can get mom to agree to move and stick with that decision, run with it (best to have POA in place.) More than likely she will either not agree OR will forget that she agreed. Once a certain level is reached, a person with dementia can't be counted on to make any kind of decisions or manage their own affairs (this is why we have POAs.) We had POAs in place yrs before dementia, and despite her plans to move to AL when she felt it was time, ANY kind of move was off the table for her. Nope. Adamant that she was fine and independent. The EC atty told me we couldn't force her to move and suggested guardianship. Facility said no. So we had to "trick" her into going.
There is no guarantee your mother will ever be able to decide and sibling is clueless about this. You don't give major important decisions to a child, and this is similar.
Sunnygirl and Tothill have posted good insights. The caregiving arrangement needs to work for both your mom and who ever will be providing the hands-on care. Neither of you is obligated to provide it yourselves. Neither of you should be paying for any of her care as this won't be sustainable for long.
Your profile says your mom is 91. If she's anything like the elders in my family, she could live another 10 years. It is completely common for seniors to be utterly resistant to such a life-altering transition into AL...who can blame them? At some point you don't need to put too much effort and emotional stress into convincing her, you will simple need to do it if that's the best solution. If she has "severe" memory loss she will most likely be recommended to go into Memory Care, not AL.
I recommend that before she gets a medical diagnosis of dementia or memory loss, you help her get DPoA in place or you won't be able to legally help her. You'd need to pursue guardianship through the courts.
Find a reputable, local facility. Make sure they accept Medicaid residents. Have her enter on private pay. When she runs out of resources/assets then you apply for Medicaid for her. The only difference in her care will be having a shared room but she gets to stay in that facility (not all facilities and shared Medicaid rooms). In the meantime, make sure she is not gifting you or your sister any money, since Medicaid can have a 5-year "look-back" and gifting may cause her to not qualify. If there's been gifting you should spend a little money to consult with an elder law attorney who has experience with estate planning and Medicaid applications.
Tell your sister that at some point your mom's in-home care will overwhelm both of you, especially if she has any mobility, incontinence or medical needs. I wish you all the best in finding the best solution for everyone, and may you have peace in your heart no matter what that is.
Make a list of everything you do. Make another record of anything that goes wrong – where mother’s short term memory problems are potentially or actually unsafe. When you have done that, have another talk to sister, with detail about the problems. If you still can’t come to an agreement, then stop the ‘dependent/ independence’ charade. Stop propping her up. Then when things go bad, call APS.
This is a ‘softer’ version of ‘wait for the fall and the hospital visit’, which is what many people have to do if the person being cared for is obstinate but convincingly mentally competent. Think it through. There is a lot of expertise about this on the site, so perhaps come back with more information about how things go. Yours, Margaret
Short term memory loss can really create safety risk in the home. The person may forget and leave the stove on. They may forget that they the already took medication and take it again. Doing this repeatedly could be very dangerous. If shopping, she could walk out of store, forgetting to pay.
I would look at whether her condition is documented in her medical record and if there have been complaints from others or close calls. Keep notes with days and details.
Use the caregiver for day hours to help with meals, meds, bathing and light housekeeping. I have been very satisfied with this for both my parents and an elderly aunt. No one uses a night time sitter.
And btw, the adult children of elder parent do not foot the financials of their parent's care.