Home care for our elders

One od sons friends was taking care of his dad who had dementia , he ended up getting a full time job taking care of him and paid for by insurance . When his father passed his mother also started havig problems and he became paid healthcare individual . Now he has his mother in law also staying there and is reimbursed for her care . 
  only thing he had to do was turn his lower level walkout into 2 appartments - their own living area as sort of rental units . 
 So between being a care giver he doesn't work but that is his full time job now . His wife is a school teacher so her family insurance covers him and their kids so his expenses there are covered by her . 
  Now when grand parents in WI were having problems - social services said they would help them through the winter by moving them into a facilities for a short time . both were in late 80's , the place had them both in same room so was more like their normal living conditions in being together . After winter they both stayed there until grandmother passed about 5 years later . As there were on welfare County attached the home they had in Ellsworth and rented it out to cover recovery for their care . 
 Granddad lived there until he passed at 96 . 
Talking to staff one day they said grand dat had one problem - rather than eat lunch there he would walk to town about 1/2 mile from place to have a brandy and cigar at local watering hole - do it about 3 or 4 times a week . 
  Redeeming factor was one of my cousins worked there as a LPN so spent some time seeing them both during the week - 

Now over a decade and half, Wife took a Leave of Absence from work to attend her Dad dying of COPD Complications, was explained by SEVERAL Health Care Workers that SHE and the family did not want nor had to do that as Gus had purchased Care Insurance from the carpenters hall that Covered ALL Hospice Care expenses.  Wife and Sis In law would NOT Listen.