An ounce of prevention is worth a pound of cure

I am a senior caring for an ill spouse. Fortunately I am blessed with good health but unfortunately my husband has many medical problems and needs help with pretty well all his basic needs. He is pretty well considered disabled but is able to walk about from the bedroom to the living room with aid of a walker. He is on oxygen full-time and his breathing becomes laboured with any exertion. He is at a high risk for falls. He is unable to bathe himself or use the bathroom on his own. I monitor all his medications, which are constantly changing. I manage all the finances and household tasks. I am the only driver and assist him in getting to his doctor appointments and anywhere else he has to go, with difficulty. I could go on and on.

I have two options as I can see for now. The first is to start making provisions for him to go to a nursing home, and the second is to care for him myself. So far, I do everything that a personal support worker does with no help and I am managing. Next year I will be 70 years old. Government assistance or help is not an option for us. My question is: what will happen to him if I get sick? The government talks about keeping seniors in their own home as long as possible but as I can see, offers no help. If I hurt myself in trying to care for him or become ill myself what will happen then? Having said that, my husband has a pension, but I do not so if he does have to go into a home, will I be able to maintain my home and provide for myself on my own financially? Our combined income is under $50,000 yearly. We usually spend $10,000 of that on medical expenses alone. Like the old saying goes, an ounce of prevention is worth a pound of cure. I would be interested in knowing how others in the same situation cope or if there are other options to consider that I am not aware of.

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