She gets social security, and we don’t have a lot of money ourselves and are no longer able to be with her 24/7. We are in Maryland, and are scared of what we can do. Will her medicare do anything? Is it too late for something like long term care insurance? We have no idea where to start.
Thanks for any insight.
Start the process for getting Medicaid, as that takes time. Medicare may cover bits, but most will come from Medicaid. State specific programs may exist. I recommend calling her primary doctor and see if they can help you with get home health or getting her into a nursing home depending on everyone’s preference. They also might have contacts for social workers that can help you navigate getting assistance in paying for it.