I don’t know what state you live in but there is actually another option. Your husband and his brother can set it up where their mother has a live in caregiver. They can take turns visiting their mother and neither of their wives will be expected to be a caregiver. I know someone that did this and the mother got to be at home and was cared for. It sounds like your husband and his brother could afford this and pay whatever expenses Medicare doesn’t cover. If the mother doesn’t have much in terms of money and a home then the state provides and your husband can add to whatever the state won’t pay for.