My mother-in-law receives her husband's pension, and cannot receive Medicaid/social security because of it. It is more than what she would receive from social security, but not nearly enough to pay for assisted living. She has lived in an apartment for the last 45 years and has no assets and very little savings. We don't know where to begin.
ALs are usually private pay and run, on average, 5k or more a month. In NJ, you have to private pay for at least 2 yrs before Medicaid will pay. Your other option is to find a very nice NH and apply for Medicaid in ur state to help cover the cost.