As a provider, terming is never an easy decision.
I personally would not term a child unless I felt like the parent's weren't doing their part. Keeping open communication about what you are doing and that we're working together would mean a lot.
Ask her what you asked us.
In my state, I have the luxury of being allowed to sleep children in different rooms. If I lived somewhere where sight AND sound was required at all times, I'd be a lot less accomidating.