She needs full-time care due to a major stroke. We are in the process of selling her home and are trying to figure out what is best to do with her profits to least penalize her social security or Medicare and so funds are still accessible to her in case of any medical issues or anything else that may arise.
Keep records of every dime spent from that account, receipts, etc. I use to make a copy of the receipt with the original check placed on the receipt in a spot not to cover any important information, then I placed the copy into a 3-ring binder. This will be very important when the time comes, if at all, that Mom needs to sign up for Medicaid [which is different from Medicare].
I agree with Barb above, time to make an appointment to talk with an "Elder Law Attorney".