This is fairly complex, and I am posting in AIBU for traffic. I am sure this situation is not uncommon.
Background: I am 15 years older than DB.
My Mum is married to my SD. We do not get on and have been NC for a number of years. This is the same for DS, who I mention briefly.
-My DB is 27, and has multiple complex needs. He has ASD, is mainly non verbal. He had (the equivalent of) and EHCP and at school and college was in a specialised placement. He has an adult social worker. He has a care plan (?) which was reviewed and updated last summer.
-Since he finished college, he has been at home with our DM. She is in her early 70s. She does not get respite and he does not attend a day centre or other day services for adults with additional needs.
-This is entirely because our DM is resistant to this. She does want him to go but is concerned that my DB will go 'batshit' because of the change in routine. He probably would, initially, but my view is needs must.
DM's physical and mental health are failing.
-She owns the house they live in outright. It is large and she cannot maintain it, and it's essentially falling to ruin. She has hoarding behaviours. However, she also owns it with my SD (my DB's father), who is in his 70s and is in a care home. DM and SD hate each other but neither will start divorce proceedings. They are married in name only, but she does visit him twice a week (I do not know why). Therefore, downsizing to a smaller property would be very difficult.
-She lives in a different city to me, around 60 miles away. I work FT, and cannot provide respite care and I am not equipped to do so. I also have a DS (sister), who is in a similar position to me.
-I recently tackled the topic of arrangements for DB's ongoing care if DM becomes unable to care for him (which is the case now, frankly) or if she were to die suddenly. She has a Will, but no arrangements have been made financially re DB. She explained me and another relative have been named as 'keeping an eye on him'. I don't know what that means and frankly, given I live some distance away and couldn't financially support myself if I moved closer, is useless.
What on earth would happen if she were to become unwell, and hospitalised or were to die suddenly? I assume my DB would need to go into emergency foster care. How would we pay for his care? We'd have to sell the house to do so but currently this would default to SD as a joint owner, and would be a bloody nightmare to sort. There is absolutely no way DS or I could give up our lives and careers to move into Mum's house to care for him. I assume this wouldn't be expected?
Does anyone have experience or advice?
TIA