Marla
Wow. i was reading the first part of your email and it sound word for work what i went through. My dad died mom inherited around 30,000, then we sold her house and that was another 50,000. Through her famliy and money hungry freinds she went through almost all of hers in a year too. I dont know what state you live in but your mom should qualify for medicare/medicaid. Believe me it is a nightmare.
Here are some things that helped me. Talk to her doctor and if he backs you that is a good thing. 2nd. you have to pound, call, stomp, throw a hissy to get the bueracratic BS workers to move there butt. Your mom should be assigned a case worker if you dont like the one your assigned you can request another one. When I was going through it I was calling he case worker every day. It took me about 6 months to get mom all set up.
Also if you are going to put her in an assisted living or a nursing home you can go to the medicare.gov site and you should be able to look up the results from prior state inspections that were done on the facility or when you go to tour the facility you can request them and by law they have to make them known and they are suppose to be post for all to see. This give you information on whether the facility had any violations and lists those. If you are thinking about foster homes be careful my mom was in 2 bad ones.
My mom loved assisted living she got to mingle with other people and they had lots of actiities. I do understand how it can be a strain on your marriage. And I do understand about the money thing. My mom still says she doesnt have a penny but i manage to keep 1000 in her bank account just in case something were to happen. But we still do have arguments about money. Even though she has every thing she could ever want.
Like the advice you gave me. You have to do the same. You need to think of yourself. As long as the facility is a good one and you keep tabs on what goes on there she will be fine. You need to think of you and your husbands sanity.
No matter what it is a hard descion. Good Luck and please keep in touch.
PS: If you need help you can email me direct on the whole medicare thing.
Malcolm