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Does she have any outstanding debts?
How about home improvements? upgrades to things like bath, kitchen?
Does she have a vehicle that is used to transport her to and from appointments?
Ok, if you want to spend down that money and end up benefiting from it rather than just spending it on care, you can do things like purchase household goods like furniture, appliances, electronics, etc. that she might use in the home as they are exempt.
You could pay for any home improvements that may help like bathroom remodels to make it more accessible, new roof, plumbing repairs or upgrades, insulation, landscaping, etc. as these are all allowable expenses.
Prepaid funeral expenses are also allowable..
So in between the home improvements and upgrades, prepaid funeral, and new furnishings for the home, that should pretty well spend that money down..
Did you have any further questions I can help with?
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