According to the lawyers I listen to on the radio every Sunday morning, something can still be done even on the day you go into a nursing home, but you need to consult with a lawyer, preferably one that specializes in elder law. You won't be able to protect everything but you can stop them from taking everything.
I have a similar situation. Both my parents passed away this year, Dad in February and Mom in September. The estate after Dad died was a non-issue, as most everything had both their names on it. Mom was just too broken hearted to deal with it and in a couple of months she was diagnosed with leukemia. From there there was no point in even broaching the subject.
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Today's Featured Article - The David Brown Rose Badge - by Samuel Kennedy. In the 13th century civil war was raging in England. Two English noblemen were involved in a conflict which became known as the War of the Roses. The Duke of York had as his emblem a white rose and the Earl of Lancaster had a red rose. Today the white rose is the official emblem of the county of Yorkshire and the red rose has been adopted by the neighboring county of Lancashire.
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