There are some unknowns here and the future is a bit uncertain but I'd like any input. Background is Mom has lived with significant other (SO) and cared for him for over 20 years. They did not get married and live in Florida which doesn't recognize common law marriage. Mom has very small SS because she retired early (with his encouragement). They live in his home in FL. SO is now very ill with encephalopathy and likely dementia and is no longer mobile. The encephalopathy is a result of intense antibiotic treatment to try to cure infections he kept getting as a result of multiple surgeries over the years after bladder cancer 25 years ago. Mom has basically waited on him hand and foot and took care of his needs since then. Mom does not have POA, I believe his Son does and from what I understand his estate, probably in the mid to high 6 figures, is willed to his kids. But I do not know for sure. Anyway, we thought SO was terminal because he couldn't eat a few days ago but he appears to have recovered enough to eat a little and the plan is to send him to rehab. Mom is 80, he is 75. He is a retired teacher, does not have Medicare but pretty good insurance although I don't know how what it is going to cover as far as rehab. I don't foresee him coming back home but who knows. I've asked her gently if she knows about what the insurance covers as far as rehab and beyond and she doesn't have any idea. She's not really concerned. Should she be? I think her plan is to stay in the house while he's in rehab but I worry about the financial end of it for her.