DH of 34 years has some form of dementia (tests pending). His children are well off and have never lived near us. We were both widowed when we met.
We need plans with options for the future. I see us as a couple but think the kids see me as a good caregiver. They are strong-minded (lawyers) and think Dad’s well being comes first and their inheritance next in line.
What frightens me? That my husband will continue to gift them stock and when we need private pay long term care for either or both, the money will not be available.
Mostly, I'm not viewed as his Real Wife and if DH dies, I’ll never hear from them. I have no children.