My mother with severe dementia makes too much to qualify for Medicaid or ANY other type of gov. assistance. She's on Medicare, but it does not cover squat and we cannot afford a nursing home. I'm the only person to take care of her and am disabled myself. I'm getting caregiver burnout. Not to mention multiple other issues due to this. I need help, but how?
This isn’t a solution as you need more help than this but it is something that can get started right away while you work through applying for Medicaid etc.
Do you live with mom in her home or yours? personally I would use a certified elder attorney to discuss both your situations but in your area you may find great help with a social worker.
There is such a thing as a Miller Trust. This is a financial set-up where your Mom's excess income goes into the trust so that she can qualify for Medicaid. Then, when your Mom passes, the money in that trust goes back to the state to help pay for the care she received.
But most states' Medicaid only pays for LTC and not AL or MC. LTC needs to be medically assessed by a doctor as necessary.
I agree with mstrbill to contact a social worker for your county. One or both of you may qualify for in-home services.