I'm glad you heard from her. I hope you're able to work out an affordable fee. If she has plenty of money, I agree that charging you her regular rate seems wrong. Plus, technically, she shouldn't be making money on the side if she's collecting disability (at least that's the rule in my state--my aunt's on disability).

And what does it mean if she's continuing to run her business? Does she own the therapy practice and thus would be making money from it? Just wondering. I'd see what she says in the phone call before making a decision. Do you think she realizes that you can only afford a certain amount? Let us know how the call goes.