See if there's a CCRC (continuing care retirement community) in a convenient area. When my MIL was in the same situation as yours (age 90), SIL found a CCRC 10 minutes from SIL's house (instead of the 3 hour RT commute she had been doing several times per week to assist her mom). This offered independent living in either a duplex or in an apartment building, with the ability to move to an assisted living building on site if ever necessary. The big gotcha for a CCRC is that a senior (age 55+) has to move into one while still capable of independent living. CCRC's require a buy-in amount -- the sale of MIL's house funded this, with extra left over to be invested. The CCRC also required a modest monthly fee for housekeeping & a dinner plan, which makes sure the residents get checked on regularly, get nutrition, & social interaction. The social activity, including a physical fitness center, crafts, & field trips, was a big bonus for MIL, who had become a hermit in her money pit house. When MIL passed away, the CCRC refunded her heirs 90% of the buy-in amount, largely preserving her estate. If she had run out of money for the monthly fee, she could have tapped the buy-in amount. My BIL managed her cash & investments; she still had access to a limited checking account for incidentals. The place even had a beauty salon, bank branch, library, computer room, & small grocery.