Was your Mom's hubby a veteran? If so, she might be entitled to more benefits in home health care. Only 28 days A YEAR? That sounds low to me. But I've been out of the "caregiving" role for a year or so.

Mother took out the insurance that pays for you to stay in a home. Long-term care insurance. So if something happens to her, it will be paid for. Almost. I guess we should all have it because when these boomers age, the homes are going to be overflowing and the cost even higher.

Good luck Hannelore, you are in my thoughts daily.
_________________________
Queen JJ
www.queenjawjaw.com
All Things Royal - 2010 and Beyond
Humorist for the NABBW