Even if she has a house to live in, and until she has an exact amount of inheritance deposited into her personal bank accounts, she has to keep working unless she is physically unable to work or at least can get the maximum social security payout.
I know this is not what she wants to hear, but it is true.
My own Mom's story as a cautionary tale, FWIW, because I think it may be very similar to your Mom's situation. TLDR: my mom was just like your mom and she is now, 15 years later, realizing she's really out of money . . . advise strongly NOT to retire!
At 62, here is what she had:
-a completely paid off house (that she later sold for $230K)
-about $60K in savings accounts (CD's).
-an older Corolla
-personal/household items, a couple of dogs, and a cat
-her health . . . absolutely no health problems, and strong enough to work a shipping and receiving dock.
-the promise of inheriting "the farm"
About "the farm": when this promised inheritance came, it would be split 3 ways with her siblings. No idea what the farm was worth or who actually owned the farm, but she seemed certain she would eventually get some money from it. At the time, there was an arrangement for a farmer external to the family to work the farm and keep a cut of the profits for his labor, so it generated about $25K a year in income that was all put towards my Grandma's nursing home care (she was in her late 80's)
Like your mom, she had only a small amount of qualification for social security because she had been part time and/or self employed teacher for many years, only working about 15 years at low wages for other employers. I don't know exactly what she gets from social security, but it can't be much as she never earned a lot - for example, one of the full time jobs she had for about 5 years while I was in HS I know she was bringing home $300 per week. She just didn't work in jobs that paid into social security for very many years, and as far as I know she never had a 401K. No pension.
Like your Mom, my Mom was not thrilled with her low paying jobs and was anxious to quit working as soon as possible. She was also paranoid about the govt and convinced that what little she could get from Soc Sec would disappear if she didn't get what she could right away (at least this was how she rationalized her very poor decision). So, she quit working for the man and started drawing Soc Sec the first minute she could at 62.
Within a couple of months she realized this wasn't enough to live on even with her paid off house and the money she had in the bank, so she made a half hearted effort at restarting her work-from-home, self-employed hustle. This never really got off the ground due to her anachronistic tendencies like refusing to hook up an answering machine or get a mobile phone. Within 5 years, she gave up and just declared that she was fully retired. If she had waited to draw soc sec until this point, she would have been rewarded with a bigger monthly check.
When Mom got to her late 60's, Grandma died and she did inherit her share of the farm. She wanted to keep it and use her share of the small income to stay afloat, and she needed it for things like property taxes so she could stay in her home, but her siblings were anxious to sell it to augment their own retirement home purchases, so they sold. That money, however much it was, was "less that she had hoped," but it kept her afloat for another few years.
She is insanely frugal . . . which I will refrain from posting about . . . but also her savings were getting eaten up by property taxes, utilities, medicaid supplement, and food. She had no money to make home repairs, so her house starting slowly falling down around her from deferred maintenance. Based upon the money the flipper who bought her house eventually made reselling it, her home lost about $80K in value over the dozen years she lived there in her 60's and early 70's due to lack of any maintenance or upkeep. This seems to happen a lot with older people. My brother did a complete kitchen renovation for her, so her kitchen was modern and gorgeous with new custom cabinets, but everything else was falling down. By the time she moved out, for example, the interior paint was 40 years old; she refused our offer to paint everything for her during the kitchen remodel saying she doesn't like paint fumes. When the realtors suggested coat of fresh interior paint before putting it on the market, she simply said she couldn't afford it.
The sale of her home was necessitated by her running out of savings entirely. By 75, she was still healthy as a horse, but her money was completely gone. Thankfully, her small, dilapidated home was in a relatively HCOL area. By selling it and moving to a similar sized but newer home in my brother's LCOL area, she was able to clear a little liquid savings again. . . she volunteered that she's back to having $60K in the bank last time I talked to her, and she is now in her late 70's.
Her mother and both of her grandmothers lived well into their 90's, and she has absolutely no health problems at this time. She refuses to work, although she is mentally still all there and could probably get a job as greeter at the local WalMart or something similar. Her social security check is tiny and she regrets drawing it back in her early 60's now that she realizes she really does need the slightly bigger monthly check.
She tells me she has finally realized she really is just going to run out of money. Oh well.