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All good points from Alva, and I wanted to emphasize the answer to "where do I begin?"... You need to begin with YOU realizing your mom is not living independently, she is living 100% DEPENDENTLY on you. She can't even begin her day without calling you for prompts through the activities of daily living. No responsible Dr should continue supporting this farce. Be aware that even with mild dementia your mom will still have the right to make her own decisions, so carefully examine your POA document for the criteria in which you can activate it. As Alva says, since mom has the funds use them to get a lawyer to help you intervene ASAP. Taking that first step will help get the ball rolling.
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The answer lies in what YOU need to do today.
You need to begin now to address two things. One is to discuss frankly, just as you did here with us now, your Mom's condition, WITH HER DOCTOR. As POA you can request that she take now the REAL tests for Dementia. It is important to get staging and other things.
Then you should attend the attorney who did the POA (after getting the needed letters and diagnosis to take care of the POA, the bank account set ups. You will have to keep careful records and diaries of everything. Your Mom is in danger now (and the dating site 10,000 proves that). The Lawyer gets paid for or reimbursed from your Mom.
AFTER you take care of these two things you can decide what the disposition will be for Mom in terms of her LTC insurance, possibly staying in home a bit more time, moving to you, or Assisted living. The good news here is she has the assets to afford choices. The bad news is she will need help with these choices, and it is unlikely that any of the choices will completely satisfy her. It is so tough, but try to take it task at a time, one thing at a time. Start with the diagnosis. Until you have that there is very little you CAN do.
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