How safe is the house, physically speaking? Working smoke alarms and CO detectors? Fire extinguisher in the kitchen? Grab bars in the shower? Strong, well secured bannisters on both sides of the stairs? No throw rugs on the floor? Cords neatly coiled and secured out of the walkways? If you make these sorts of changes now, they won’t be so unsettling when she becomes more confused and physically frail (and it sounds like it would be a good thing for your dad, too.)
Get yourself added to her credit card and checking accounts, so you can review the statements and make sure scammers aren’t taking advantage of them. This is easier to do now while she’s still legally competent and can be active in the process.
Put a basket by the mailbox and see if you can get her to put her mail in there so you can “help” her go through it. Switch as many of her bills as possible to “paperless” billing and electronic payment so she doesn’t get confused and pay things three times or not at all.
Sign her up for one of those Identity Theft alert programs.
Get her a medical alert system, if she doesn’t have one already. There are plenty of good ones; we chose 5-Star Urgent Response for my mom, because it’s not limited to the house; it runs on cellphone service towers, not a base unit on her counter. I also like that I can sign on and locate her transponder doohicky at their website - if she gets confused and lost, I can find her, and if she loses the transponder (which she did yesterday, and she’s not even confused yet, just lost it like you lose your keys sometimes) I can at least tell her, “It’s somewhere in your house, not at the mall.” (She found it.)
When it’s time for home care, tell her doctor that you don’t want him to sign any orders with any companies unless you’ve talked to him first. Medicare fraud is rampant in home care, and my grandmother went through 5 home health companies in a year who got her to sign a bunch of papers (they don’t care who has PoA, nor does Medicare, apparently), billed Medicare and never went back to her home to provide care. Mom finally talked to her doctor, and he agreed not to authorize home care until she talked to him again and said, “Okay, we want to go with ABC Home Care, so you can sign their orders, but no one else, please.”
Investigate respite care or elder day care in her area. There will come a point somewhere between “I can call her once a day,” and “Mom needs round the clock skilled nursing,” where you are going to need a break. A good program of socialization and therapy makes it easier to allow yourself to take the breaks you need to take care of yourself, not to mention everyone else who needs you. Better to do the research now than to wait until you’re exhausted and can’t take it anymore. Your state or city’s Department of Aging or Human Services can help you out with this and other senior services (in my city, they also help with things like disabled/senior bus and medcar services, applying for Medicaid, charity based homemaker services, exterior ramps for disabled people and Meals on Wheels.)
Above all, hang in there. You’re not the only one in this situation. You may want to find a support group for yourself, while you’re at it.