The couple have some assets and his wife does not wish to use them. Is there anything the adult kids can do? They have suggested: downsizing, reverse mortgage and/or paying for some home care. None of these seem viable. We were married for 25 years; they have been married 25 years. The children are mine and his. She has adult kids as well.
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I.e. is she manfully (forgive the term, the irony pleases me) soldiering on or is she neglecting him while she whoops it up at the local hot-spots and spends all the money? Or, somewhere in between, is she too anxious about the money running out to take practical steps?
Clearly, there is a difference of opinion about what your ex's needs are, exactly; and how urgent it is to do something about the finances. You can't intervene anyway. Do you have the kind of contact with her that would allow you to discuss with her (very carefully, of course) what's going on with your ex? If all you're in a position to do is counsel your own children, without the benefit of more information, try to help them accept that she knows what she's doing (fingers crossed) and they must do their best to help and support her. That way they can avoid major fall-outs, which might lead to their seeing less of their father, or nothing at all, and things getting much worse.
I've just spotted another minefield, though: does she feel that her own children are more supportive of her in her role than yours are? Is it possible, perhaps because yours feel comparatively excluded, that this is true? Because, if things start getting stiff and awkward, this could all too easily turn into the distorted thought: "my kids do more for their stepfather than those ungrateful little swine do for their own Dad." God forbid things have gone that way or got so far; I'm just saying the seeds are there, they want to be careful not to let them grow.
I'm grateful to you for alerting me to the possibility of this coming up one day in my family's future, too. I get on very well with my ex's wife ("the present Mrs D_" as he calls her - it drives her up the wall) and step-daughter, but I have no idea what I'd do if I were anxious about his welfare; he has a severe chronic illness and has taken early retirement, she works full-time, God knows how she stays sane. I think I'd keep shtum unless I had something genuinely, practically helpful to contribute.
I'm sorry for your children, it's horrible for them to be worried about their father and unable to influence things. Keep pouring oil as far as humanly possible, it'll be best for them in the long run.
Usually assets are all given up the second nursing homes are mentioned
(Sorry if spelling sucks, was typing from a phone)