Should my folks keep paying a lot of money $840 every 3 months?

I live in caregive they have been paying this amount for 30 yrs.Their policy only pays for 100 a day after 20 days. I think their policy should have been updated yrs back. I see it as a waste of money. Anybody see different? Mom dialysis dad dementia alz want to live at home .the policy is vastly outdated and a big drain. Mom has been doing dialysis for 3yrs. Shes 93 yrs. Dad dementia. Mod to severe he sits in chair reading newspaper all day he s 94yrs old. I have been living with them for 3yrs. Just now have convinced them I need help.