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Reply to "More of a vent because the die is cast"
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[quote=Anonymous]OP here. Had a good Thanksgiving with ILs. DH, sibling, and MIL spent time talking about the situation. For now, the current set up seems tenable. The LTC insurance covers 40 hours/week of help with FIL, allowing MIL to get out, handle errands, and get a respite from caregiveing. The insurance was purchased a long time ago and appears to be quite generous. The challenge will probably be if FIL needs round the clock care that cannot be handled in their home. The LTC insurance will help, but DH doesn't think it will cover all expenses. He thinks that sibling still thinks there will be money to inherit here. He feels bad that is probably not going to be the case, but doesn't think there is any reason to say so at this time. Both children have access to the financials, but DH probably more savvy here on the various burn rate scenarios. He does fret, however, that sibling may become difficult once the details are known. TBH, I'm still dismayed at how much money was spent on more lavish trips than what the long term budget probably permitted based on possible longevity as well as care expenses for seniors and elders at this time. DH is too, but he tends to be an optimist so can't see him dwelling on it and I will follow his lead.[/quote]
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