Contact the Council on Aging to get advice and, perhaps, some help in managing his care and finances. I took the Essential Caregiving Class and am going to the Medicaid class for help in figuring out my finances for future Medicaid care for my LO. Set up properly, the spouse does not lose the house. I am surprised that the Part B premium is not coming out of his Social Security, but imagine he may have signed up late: ask Council on Aging for advice. I have also found Denise Early, a blogger, to be helpful in explaining things. It does sound like better help or an advocate is needed to sort out your finances--it is also about your safety as you age. We also recently got a HECM reverse mortgage to help with income should I be left on my own low SS.