It would be great if you could purchase long-term care insurance for your mother, but from what you say, she may not be a good prospect. Due to the fibromyalgia she may not be able to get coverage. And due to her financial situation, she is probably eligible for Medicaid to pay for nursing home care. That said, the advantage of long-term care insurance is that it covers in home and assisted living care, which are not well covered by Medicaid, and it would give her more options if she needed nursing home care. If you do go ahead, you should purchase the insurance in your mother's state, unless you are getting it through your employer.