If you are retired but won't do the research, WWYD?
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Sounds like my mother, except she's in her own house, and refuses to budge. I don't live near her, but my brother and his family check on her every day, get her mail and groceries, pay her bills, etc. She refuses to go out OR to a doctor. She lives way out in the country, so someone has to drive there every day. My father died a few years ago, and I don't think we realized that HE did everything.
It's really a sad situation, but you probably can't change her. The only thing I think you can do is make the decision for her - apartment, condo, whatever, and take her there and move her in. You have to think about your family instead of her at this point, since she takes no role in her own life. She's probably not going to change at this age. We've just done what we can for my mother, and otherwise let her do as she pleases (like your MIL reading all day).