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This is a common problem and becoming more common as the population ages.
Your mom's assets are available for her care should she need it. If benefits are received from federal or state agencies (such as medicaid), they can place a lien on the home or any other property or accounts your mom has.
If she gave the home to you, this would only solve this issue if your mom did not start needing government subsidized care for at least 5 years after she gives the home to you. This is because of the "look back" period the government uses. It is meant to prevent people from giving away all their assets simply to qualify for government benefits -- and these laws have become more strict since 2006.
Long-term care insurance is an option, but at her age, it will be extremely expensive if she does not already have a policy.
So, many people just go ahead with giving the home to the children and hope no benefits are needed for at least 5 years.
I am sorry there is not a more simple way to handle this issue.
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