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our MAGI is $182,238 and it says she can't deduct ira contributions if MAGI is over $146000 while being covered by a retirement plan at work. She is not covered by a retirement plan at her job. why does it say she's not eligible?

My 98 year old mother has been living with me in the home I purchased in 1989. She had been contributing towards expenses until December 2024 when she became disabled. She was admitted to the hospital and then transferred to a rehabilitation facility until March of 2025, In January 2025, I consulted with an elder care attorney who recommended that we have her designate me as her POA, to which she agreed. He also suggested that I create a rental agreement whereby she pays me rent in order to a) memorialize what she had been contributing to the household (Taxes, insurance, repairs, heat, water, sewage, security, food etc.) b) work at spending down here assets to qualify for Medicaid, but she was denied due to her assets are in excess of the maximum allowable in the state.   The house has 8 rooms (4 bedrooms on the second floor) and 4 rooms on the first floor (living room, dining room, family room and kitchen with a half bath). Total square footage is 2035, with 1334 on the first floor and 701 on the second floor.   She pays 1,300/month of her Social Security and her Medicare Supplemental. She has one of the 4 bedrooms, but since she returned home in May, she has been spending all her time on the first floor in the family room where she sits/sleeps in a recliner because she cannot climb the stairs to the bedroom floor. She can get to the the other rooms but rarely does.   I provide her with food, drink and and medication as well as anything else she needs. There is no other caregiver but me.    I don't know how to allocate the expenses against the income I receive from her and need some guidance.   Please provide some assistance.