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She has $10,000 in the bank. We have already prepaid her funeral, there really is nothing else to purchase. Could we private pay until that runs out, then will Medicaid kick in?

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Does she have insurance policies she has cash value? Any CDs, IRAs, shares, bonds etc. All these would need to be cashed in. 10k would pay for 1 month in LTC. My Mom had about 20k. I started the Medicaid process. They gave me 90days to supply all the info they needed and find a facility. Mom paid 2 months private pay and Medicaid took over the third month. Make an appt with Medicaid to find out ur options.
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It's good that you prepaid final expenses. In my state, ALF only take people who can walk down to the dining room, & are able to use toilet by themselves. It sounds like your LO may need nursing home care instead, & they usually cost $15,000 /month. You need lots of bank statements & stuff to apply for medicaid here, (5 years worth). That's all I know friend
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