You may want to talk to your Mom's attorney about how the settlement is structured. If the negotiations are not finalized, it may be possible to restructure the payments. Another choice is to see about a loan from a bank secured by the payment stream. This could be good if she really does not need all of the money at once. The least good choice is to sell the settlement to a third party that pays now for the future stream of payments. The problem is that they pay very little compared to the ultimate value of the stream of payments. There is a great advantage to getting the payments over time, especially with a person who does not work and is disabled, because it gives a fairly steady income over a long period. A lot of time when a person gets a large lump sum, it just gets spent, sometimes foolishly.
I am licensed only in Texas. Offering information of a general nature in response to a question is not intended to be legal advice in your state.
I would be very, very careful about how I addressed this situation if I was you and/or your mom. I think it would be a good idea to seek both a financial planner and a lawyer's advice prior to making any decisions in this situation.