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He (90) made a premature decision to discuss savings which are being used for his long-term care. They will run out in a few months, no will or POA. Should I seek legal protection beyond those provided by law in the state I reside in? I am terribly stressed and close to burnout in the day-to-day care and I am 80.

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Standing, time to make an appointment with an "Elder Law Attorney" to help you down this path. He/she will give you advice on the best approach. Since there is no Will or Power of Attorney, the Attorney might recommend Guardianship. https://www.agingcare.com/articles/how-to-get-guardianship-of-elderly-parents-140693.htm

And while you are at the Attorney's, get yourself a Power of Attorney, a Will, and a Medical Directive so that your children will know what you final wishes might be health wise.
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What ff says. Contact an attorney specializing in Elder Law.
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Standing, your husband is in assisted living, right? And there is only funding available for a few more months. What is your plan for then? Are you applying for Medicaid? Does his facility accept Medicaid, or will you also have to move him?

Is this the subject his daughter is challenging you on? What to do when the money runs out?

In any case, an Elder Law attorney can be a huge help in planning for the future, as well as seeing that your role is respected.
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