My mother-in-law (a veteran - not wartime, widow to veteran of Korean war) has recently become unable to live on her own. She cannot remember to eat or take medication. She has passed out and been found wandering in her housing complex. So, we moved her in with us. We have a special needs daughter and I honestly can't take on both of them for much longer. I'm now looking into all this for the first time. She has never applied for any benefits to our knowledge prior. So.....if she has no money (is actually in dept at the moment) and lives only on her SS check, month-to-month, how is she supposed to get the care she needs to "prove" she can't afford it? And how much over her SS check does she need to spend each month to prove this? I am at my wits end! Are there places that will take her on "credit" or do we need her to take out a loan to pay for this? Unless I've misunderstood, without this there is no need to even apply. (or is there something else we can apply for to assist her?) HELP PLEASE!