about this 5 year look-back
Although my mom still lives home alone, drives to McDonalds and the grocery store everyday, she still needs a lot of help from the family.
Although she doesn't have much in checking and savings, she does have a CD and savings bonds worth about $40,000. Can we cash those bonds in and use for her care for things like hiring a housekeeper, doing home and car repairs and paying bills? Her monthly income is right at $2,000 but isn't enough money to keep up with large gas bill and past due property taxes.
What could we use/not use her money for? I'm guessing that she will need to be placed in a home before the 5 year period is up.