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Check on filial responsibility laws in Pennsylvania. Be very careful on what you sign, how you sign it and how that insurance policy may fit into the equation. See an elder law attorney to learn about Pennsylvania law and how this may effect the decision.
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Consider assisted living if she is in good shape. Look at nursing homes too if you like. Nursing homes are usually Medicaid and assisted living is private pay.
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Another thought. If the great Insurance is Long Term Care (LTC) policy then they will cover help at home. I had a neighbor who had this and it was very successful for her. She was able to stay in her home until she passed. But please remember neither Medicare or Medicaid will NOT pay for Nursing Home/Assisted Living living. Everything I have contacted for Mother is self pay. Fortunately she was able to do this. Good luck and remember to communicate with your Mom so you are Both prepared for what is to come.
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Do it now !!!
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