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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP Here to answer additional questions:
Deed to the house is in MIL's name only.

BIL refuses to get a diagnosis or even speak to any sort of mental or physical health provider. We tried and he told them that we were trying to have him committed, but all we wanted was a diagnosis so we could look at group homes for him. He speaks to ghosts, has paranormal experiences, yells and screams irrational things at people, refuses to engage with helping his mom with anything (won't even read her mail to her), and spends all his time airing grievances against everyone and everything. He's also loud and big so he scares and intiimates people.

He can't afford the house on his own after she passes away. It will have to be sold. We might be able to buy him a condo with the proceeds, but we just don't think he can live independently. He doesn't cook, clean, pay bills, or understand that thins like power cost money. 
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Your husband needs to get POA over your MIL’s finances ASAP. We had the same situation and mentally ill brother got POA because they lived together. It was a nightmare. [/quote]

OP here, we tried. The lawyer said she wasn't competent enough to sign the forms. But she gave DH access to her bank account so we pay all her bills and make sure she has some savings. [/quote]

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