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Mom is 92, in Skilled Nursing at $14,000/mth and has about 10 months worth of money. She's bedridden, has to be fed pureed foods, and stares blankly at the ceiling. I fear I will file and she will pass weeks later.

You’re not out anything but the effort of doing the application if you file and mom dies. We did the application when my mom was within six months of running out of funds. Ask the business manager of the nursing home if they have any advice. The nursing home my mother was in had an excellent one who walked us through the process at no charge, not everywhere has this, but it can’t hurt to ask. I’m sorry you’re in this sad place with your mother
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