My dad was 68. He smoked 2 packs of Pall Mall non-filters for since he was 14. He still smoked until the last day. The oxygen tank was right next to his case of cigs.
Anyway, he never told me he had lung cancer. I didn't know until his hospice nurse called. I know he didn't do this because he didn't want to burden me with all of it. He looked like crap at the last family reunion last summer. I didn't recognize him when I saw his body at the morgue. I got the call on a Friday by the nurse that he was not doing well. I flew from NC to Maine the next day and he was already gone.
It doesn't bother me didn't tell me. I loved my dad and I respect his decision although I don't agree with it.
Anyway, now the good part. My mom is 60, never worked (housewife) and has dementia and MS. She is koo-koo. My brother is 31, drives a cab for 20 hours a week, and earns 1/2 of minimum wage. He never left home, dropped out of college (he had a full boat piano scholarship) and he is basically a bum.
Before my dad died he told everyone, including myself, he didn't want my brother to handle any money. My dad didn't do anything to protect a darn thing. His estate is worth maybe 150K. All of it went to my mom.
My mom never worked so she can't get Social Security or Medicare. She gets 71% of my dads SS but overall that is $1300 a month. Not enough to pay for insurance, food etc. Because she has over $6000 in assets she cannot get on Medicaid or get food stamps. Basically I have to use the $150K (which includes a house that needs probably 50K in repairs) before my mom qualifies for anything.
My mom lives with my brother, and he is basically in control of the money for now. I am working on a trust but I am in NC and I can't manage the day to day affairs of all of it.
The kicker is my mom is nuts and needs to be put in a home. If that happens the state is going to take all of the money to pay for her. Right now I am trying to figure out a way to protect the assets from my brother and the state.
I told my brother he needs to pitch in for the bills because he is living in the same house as my mom. His plan is to live off of her SS. Insane? I think so.