I'll tell you my story in case it helps at all.My experience is England, so may be different.
Hospital discharge team wanted to discharge as there was "nothing medically wrong". They were working on the belief that he was imply an elderly man with little mobility and considerable mental confusion.
They planned (but hadn't told us) to discharge into a CIC ("kick") bed - in the community - for re-ablement.
At that point, the consultant read my note explaining that Dad's current condition was a sudden and considerable decline on his normal state, so they decided to run a few more tests on him, and that delayed things for a week or so. But still found nothing wrong.
At that point the discharge team decide to engage with me. They claimed hospital physio had checked that he could get up out of a chair and off the toilet; that he had managed 9 steps; and that he could walk with a zimmer frame, and he was therefore "too well" for a CIC bed. They were willing to do a reablement package at home for 6 weeks (this would be free but should they at any point decide he had long term care needs, everything would become chargeable from that point). They planned to discharge that day or the day after.
I was happy about the reablement (and MN had advised me to push for that), but I wasn't happy about immediate discharge. I pointed out he had no downstairs toilet, they said "can you move his bed downstairs and we'll give him a commode and someone will come in to empty it twice a day?"
I pointed out his house was too crowded to do any bed moving quickly, and that seemed to do something (I suspect a light went on his head saying "hoarding" and "elderly squalor"). After a few minutes glaring at each other he sighed and said "OK,, how long do you want?"
He said he could either 1) arrange immediate discharge with a SS OT assessment or 2) do an OT assessment of the home while Dad was in hospital, which would in the nature of things delay discharge for a week or so; but with the warning that Dad might improve sufficiently for reablement to be not an option.
We went for option 1) for reasons that I won't bore you with, arranged for a stairlift to be fitted, and waited. It emerged that they wanted him to have a downstairs comfy armchair, but nobody was making any plans to get one (this gave us another week to sort things out). Once we found this out, we brought an armchair from his computer room upstairs and put it downstairs, and he was discharged next day.
He arrived home by private ambulance. 30 mins later the leader of the reablement team arrived followed in a few minutes by the district nurses team OT. So - bedlam!
OT checked for trip hazards and electrical safety and put in an order for a second zimmer frame so he didn't have to carry one up and downstairs.
Reablement team arranged for 3 visits a day - morning, lunch time and evening. Starting that evening.
So: what I learned:
- Be very firm and explicit in stating what can't be done
- Their concern is purely physical safety not quality of life - they see nothing wrong in parking someone in a room with a commode for the rest of their life.
- When things happen, they happen very quickly. "He's ready for discharge" means "he'll arrive on the doorstep in half an hour" ... and, amazingly, the community teams are geared up to respond equally quickly.
- Because of 3) - don't let the house get too cold, make sure you always can deliver enough food to tide over till a proper shop, etc
- as Suze says - keep hold of the house keys so you have some measure of control.
As far as finance is concerned - payment for social care depends first on savings (if your Mum has more than £23,000 in savings, not including the value of the house, she's self funding no matter how small her income) and secondly on income - she is means tested as to her contribution.
As soon as she's in permanent care, the value of her house is taken into account in calculating the amount of her savings.
A reablement package, if available, would seem to be a good idea for your mother - you say she was previously mobile but cannot at the moment manage steps.
Sorry this was so long!