Thank you. This clarifies what my mom went through. Fortunately, seeing her go through that has prepared us somewhat. All accounts and/or property are jointly owned to mitigate our current exposure. We may have more accounts than normal because of some things my mom went through though.

For example, credit card where dad was the primary and mom was the joint was cancelled on his passing. Mom was allowed to apply and get credit for account history so account age remained the same but her credit limit was cut in half despite her income being relatively unchanged (larger estate, comfortably living off of interest). You can have joint accounts, just make sure that each partner has accounts where their name is the primary to prevent unnecessary disruption.

Thanks again for the trust info though. We have a meeting scheduled with my mom's attorney later this year (after tax time) to get things set up and this will help me understand what he's likely to propose.