Lately my FIL is worried about dying before MIL and who will care for his wife who has a neurodegenerative illness called multiple system atrophy. They live in indy living and MIL has a caregiver who helps her with her ADLs every day and goes home before dinner when FIL takes over for the rest of the night. MIL now wears Depends overnight. MIL has a catheter. I found a visiting nurse service - skilled nursing - to visit them in the event MIL needs more help but so far it hasn't been necessary. Nonetheless FIL worries that his wife will end up in a nursing home. In our case FIL is independent but MIL is not. Has anyone else used visiting nurses when their elders live in independent living?