

Some places are like that, and it makes sense. Others do not, and if there isn’t some formal paper connecting the two then they don’t get the benefits or penalties of making such commitment. I have a relative that lost their home of 35+ years because when the partner passed there was no mention in a will or any document of them contributing. Suddenly it wasn’t their place to live.





If anything the rest of our family has taken the lesson to heart to put into place things to protect their loved ones. And like you said, they could have done even a little to help themselves before it got too far, but for some reason they procrastinate, avoid or refuse help, and even lie and say they have everything worked out.
I hope your mom’s situation changes for the better to protect her, and you. If their relationship with each other is still good (some get toxic) I would push it hard and use some guilt and hypotheticals to get him to do something official if he cares for her at all. And if not… now might be a better time to cut loose than it being forced on her.