Help! My sister, age 54, is crippled with rheumatoid arthritis, is wheelchair bound, and cannot do any daily living activities on her own. After living two miserable years in a nursing home, she insisted that she move back with my 82-year-old feeble mother. Mother agreed, and cashed out a life insurance to cover 24-hour care. The life insurance money is depleted, and Mother insists that my sister is not going back to a nursing home. My sister won't deal with the issue. She goes to "sleep" when the topic of long-term care comes up. I love my mother and sister dearly, but I cannot take care of them. I have no other siblings and I cannot afford the private pay care. I feel that I have two adults who are refusing to live in reality. Any suggestions are welcomed.