Thank you all so much for your help. Vicki, I've heard of these "medicaid waivers" - but, how did your mom get a "medicaid waiver" if she's not on medicaid?
The past few days have been completely nuts for me. Besides dealing with my emotions from hearing my mom sound completely insane over the phone (bouts of uncontrollable crying for me), I've been on the phone with medicare, medicaid, state assistance offices, social workers, our lawyer, and I may have been speaking with Santa Claus at one point. I am exhausted. I do think I made some progress today, though. My mom's (our) lawyer says I don't need to worry about medicaid taking my mom's life insurance or the house or anything. He said do the best we can for mom now and go ahead and get her on medicaid; I hope he knows what he's doing! One of the billions of people I spoke to yesterday is mailing me the medicaid application, so that should be here any day. I'm also flying to PA next week (Wed.) to see my mom and help with anything that I can.
In the meantime, however, the skilled nursing facility where she's at already wants to move her to long-term! Physical therapy says there's nothing more they can do for her, and they'd like to have her moved to a long-term facility by Saturday! So this initial move really did not buy us any time at all, like we had hoped. So now we're back where we started, trying to find a decent place that has an opening. That has to be our focus right now, and once she's settled maybe THEN I can finally start researching home care (and hopefully get her on medicaid). The good news is that her medicare plan will cover the long-term care for 100 days before she would need medicaid or the state to step in. So we SHOULD have 3 months to work all that out - I THINK. That's what it sounded like to me, from everyone I talked to today.
What a run-around! If anyone has any additional suggestions or ideas, post away! I'm sure I'll have more questions as we move forward with all this...