Seems no one has answered your question. No you don't have to separate, if she meets the two points listed. From pub 502.
Long-Term Care You can include in medical expenses amounts paid for qualified long-term care services. An individual is chronically ill if, within the previous 12 months, a licensed health care practitioner has certified that the individual meets either of the following descriptions.
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The individual is unable to perform at least two activities of daily living without substantial assistance from another individual for at least 90 days, due to a loss of functional capacity. Activities of daily living are eating, toileting, transferring, bathing, dressing, and continence.
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The individual requires substantial supervision to be protected from threats to health and safety due to severe cognitive impairment.
