(nys, Long Island) Future Father In Law Possibly Going To A Nursing Home… What To Expect For Finances And What The Government Will Be Taking From My Finances Family?

Location: Long Island NY

My future father in law has suffered a severe stroke. He is bed bound for the rest of his life is what the expectation is from the doctors. We are 2 weeks post stroke. And he has been awake for 2 days. He can barely move his right food and right hand. To communicate with him we only get head knods and hand squeezes.

Now my initial concern since I have to prepare my fiance for these things as she’s never gone through this before (we are both 28) is that her father told her months ago he was leaving a big portion of money to her via his retirement and his life insurance policy. But the issue for me is his wife, and my fiancés mother will not be able to support this house on her own. Of course everyone is going to try and help out but I suggested to her if he does not survive this then I think all that money should go to her mother to help pay off the house and at least let her be stress free for the remainder of her years left after losing her husband of 45 years. I’m by no means in good financial standing either as we are struggling but to me the right thing to do is to take care of her mother. She agrees that this may be a thought, but not too sure what will end up happening if she will go that route. That’s problem number one that her and her mother will have to sort out as I don’t wanna overstep any boundaries.

Problem number 2 is I am very uneducated on the medical field of finances. If he does survive and her mother puts him in a nursing home on a permanent ventilator mind you (I’m against this as I feel it’s cruel but I have kept that to my self as I don’t feel that is my place to speak) then wouldn’t the nursing home take everything in his name? House, money, retirement, SSC ect. If that’s the case i guess problem number 1 is out of the picture. Just looking for some advice here as her mother is deep in debt, took multiple re finances on her current house and will not be able to pay the mortgage on her own with out his income. I also my add he is covered by NYSHIP insurance plan until the end of December