I think you need to investigate available elder services in your area. There may be other options beyond those you are considering. For instance, you may be able to find a local adult day care or find a decent assisted living facility (some accept the patient's SSI and/or Medicare/Medicaid as full payment).
It seems as if you've fixated on only one or two options and could really use some advice to broaden your options.
IMO, taking full care 24/7 of Grandma will be much more of a commitment than you expect and isn't necessarily the best option for you or Grandma.
Personally, I know that DH's Grandma was in an assisted living situation for several years where she had her own little one-bedroom apartment and that was paid for pretty much entirely with her benefits (SSI, I think). Now that she has developed alzheimers, Grandma has moved to another facility that can better care for her needs and that facility is also paid for with her benefits. As for family, she visits with family often, with DH's Dad bringing her to his house for holidays and such and going to visit other family members often as well.
I now there are people who are opposed to "nursing homes" but there are some decent ones out there that aren't just for rich people.
Good Luck!
It seems as if you've fixated on only one or two options and could really use some advice to broaden your options.
IMO, taking full care 24/7 of Grandma will be much more of a commitment than you expect and isn't necessarily the best option for you or Grandma.
Personally, I know that DH's Grandma was in an assisted living situation for several years where she had her own little one-bedroom apartment and that was paid for pretty much entirely with her benefits (SSI, I think). Now that she has developed alzheimers, Grandma has moved to another facility that can better care for her needs and that facility is also paid for with her benefits. As for family, she visits with family often, with DH's Dad bringing her to his house for holidays and such and going to visit other family members often as well.
I now there are people who are opposed to "nursing homes" but there are some decent ones out there that aren't just for rich people.
Good Luck!