Gus, My stepfather died in March of 2006. Mom"s health was failing proir to that. She does have some competence left, but just forgetful. I approached her last summer about changing her will. She was agreeable, but took pushing to get it done.
You need a DURABLE power of attourney for most all financial decisions. Some institutions may not even recognize this. Ask your attorney. Also, get a medical power of attorney. It is a must. You may need to update their will as well. Cost to my mom, about $500.
Go to a welfare or social service office and they will specifically tell you what your parents can have and still qualify for medicare, I was told $2000 in cash, the residence and adjoining land if it is all covered by one deed, personal items, and a car. It can be a clunker or a Rolls royce, doesn"t matter.
Find out what medical insurance they have and learn about it. There will be open enrollment soon for the prescription plans if they do not have a supplemental policy, one that pays what Medicare does not. You may need to investigate these.
You have a lot to do, but when it is over, you will not regret it. Good Luck and I hope this helps a little.
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