Idk how to say this without sounding totally heartless, so please forgive me if it does. But if there's a possibility your mil will need Medicaid or some assistance like that in the future you should look into getting any finances or property out of her name (or potentially even her spouse, if there is one) as soon as possible. Most states have a five year window they look back on for gifts and things like that they'll require surrender of in order to put them under the financial threshold for assistance. My grandmother was particularly hard up years ago, on her deathbed, and the hoops we were going to have to jump through for Medicaid assistance would have financially fucked my grandfather over if she hadn't passed the day that she did. Again, sorry if this too blunt, but this is not the sort of stuff you want to put off thinking about till too late.