What happens if the primary caregiver goes in the hospital?

Have you ever looked into a "Miller Trust"?

This allows a person who makes too much for Medicaid to get around that. Just a thought.

Jo, knowing how old everyone is would be helpful. At some point even if "something" doesn't happen to you first, you will eventually be overwhelmed by their daily needs, since people lose abilities, not maintain or gain them. You can start this week by calling your county's social services to see if either of them qualify for in-home help (the sw's come to your home). At that meeting you can discuss your concerns and maybe they'll be able to help you plot a course. At least they would be on their radar should anything happen to you. This is a discussion that should be had in front of your husband and brother, as this is just reality and they need to participate in solutions to the best of their current abilities.

Here is the link to Georgia's locator for Agency on Aging, a resource for you to call:

https://aging.georgia.gov/locations

Here is the link to Dept of HHS's Home & Community-based Services where they have a link for in-home services and senior services (look on left side of your screen):

https://aging.georgia.gov/programs-and-services/home-community-based-services

Have you actually tried to apply for Medicaid for them? Your profile says your brother has cancer as well as diabetes. You are a hero for caring for them but you should NOT be a martyr. You will need to put your Reality hat on moving forward as their care gets more intense -- and it should NOT come at the cost of your own health. If they have already applied for Medicaid and did not qualify then maybe it's time to see an elder law attorney who specializes in Medicaid issues. It will be money well spent. I wish you all the best as you sort through your best pathways to relief!

You pretty much do if there is no support system for you. In fact you should have instructions in your wallet that there are two senior adults at home who are in danger without 24/7 care. This will notify the system if you go to the ER unable to communicate. This truly does constitute an emergency. Social Services would have to step in and place your parents in care until your recovery. Something we should ALL think about in covid-19 times.