My parents ( 97 and95) still live in their home with only the help and care of my sister and I. Once their phone ringer didn't work and when we couldn't get in touch with them we called the police to do a wellness check. My sister and I don't live nearby but take turns going and helping them or a regular basis. My son's girlfriend is a nurse in a rehab facility an hour away. Of course we were worried for their safety which she knew about but she said she wouldn't hesitate to report elder abuse if this or another incident involving the police calling on them was to happen.She said she talked to a social worker who told her if she "knew" about this and didn't report it that she could lose her nursing license(which is her livelihood) Is this true? She insists that they belong in a nursing home, but we can't afford it and the fact that it is both of them makes things complicated. She is an alarmist and very outspoken which concerns my sister and I that she will complicate things even more, setting things in motion ( that we won't know how to handle or that we can't afford).
Of course, that doesn't mean she isn't right to be concerned about their welfare (I'm not for a moment suggesting that you're not, too), and their future care. If money weren't the problem, would you agree that they should be together in a nursing home? If so, start looking at their options now. It isn't you or your sister whose finances matter, it's your parents. Get advice from local agencies before there's a crisis that a courtesy visit from the police won't solve.
Elder abuse is NOT covered in 5 states, including mine. Also, the words, in their professional capacity, are most likely included in most state's mandates. I am only guessing at that. Can you imagine having to go through life as a nurse and have to report everything you hear about, think happened and assume?
You don't state what health or mobility issues they have and many 90+ people can live perfectly well by themselves. If your parents are having problems, I would look into getting them into a nursing home with the help of Medicaid. You and your sister wouldn't be responsible for the expenses if they are eligible for Medicaid. If they stay at home,see about hiring someone to clean, mop, change light bulbs, etc. once or twice a week for a couple of hours. My city has a group called Project Compassion with volunteers who visit nursing homes and private homes to just be companions for a few hours. Find out what is available.