As a widow twice over, I do understand your worries, and of course illness makes these worries come to the surface. I still miss my darling second husband Brian every day. When I went on this special holiday I carried with me a little card he wrote for me , on a special occasion that I have kept. I carried it in my purse all the way with me. May sound silly, but it was some of his writing on it and I just wanted him to be with me in some way.
So these are some ideas that you might try to use, which could definitely help you in this situation.
Firstly DONT see this as a list for when or if he dies. I think Martin Lewis on money box has the right idea, when he suggests that we all should check through our financial situation every so many months.
So if you firstly think about financial matters and get out all your documents from insurance for the car to finding those old premium bonds at the wrong address or whatever. Go through them all together, checking that things are up to date and have the correct address and phone number on etc. Then I have a notebook, which I have all the reference numbers and dates when things need renewing etc. If you go through and update all those things, and then make sure that you know where things are kept . Personally I have a fireproof box that all these documents are put in, so at a pinch if there was any disaster I could just grab that and get out. The great thing then is that you a] know where all the documentation is and b] have already sorted things out so that at a time of shock and worry you dont have to wrack your brain as to where things are.
Then use that as a starting point to look at things like up to date wills and really more importantly power of attorney etc. I can tell you that whilst death is the most dreadful grief you are facing, the trouble, hassle and stress caused when someone is incapacitated and you cannot deal with things on their behalf lasts far longer and causes you misery, frustration, anxiety and fury!! I would also suggest if you are able to , that both of you open a bank account quite separately from any other in your own name. Then if and when you are faced with any worry, it is not added to by a joint account being frozen and your not being able to get any money out!!
Again if you just see this as sensible for you both and not implying that it is more about him than yourself it is just a sensible thing to do. It can also lead on to talk about whether you might be better moving now or prefer to stay where you are and look at if there needs to be any alteration to make your home easier to live in, should you need to think about a wheelchair or having a wet room or shower rather than the bath etc etc. Looking through this sort of thing at your own pace you may actually discover some unknown or surprising things about each other and your home. That vase that you always hated, but was given to you both by his mother or aunt, so you felt you had to keep it. If you ask which out of 4 vases might you keep, he might say he would be glad to be shut of that one and you have put up with it for years!!
For me the most difficult things to make decisions about are not things of value in monetary terms, but my hundreds of books, which I never want to give any away, my tons of music ditto etc. But you can also suddenly think, you actually rarely sew now or the tools that are in the garage that your husband used regularly are never touched now. Then you can decide to give them to family if they would be of use to them, and if just not needed there are good charities, who mend and service tools and things and they are sent to give people the chance to have useful things who cannot afford them. It did cost me a bit of pain but also long term has given me great pleasure to know that my husbands tools are being used to help someone find work and have a life that they can not afford themselves. Oh another very important little thing. Those little bits and pieces in the drawer, that are the new bit for the hoover, or the little band that attaches the what do you call it . Write on them or make a list to say what they are and how to use them, so that you dont throw away the spare bit for your machine, which is quite old and they no longer make it now!!
As you go along at your own pace, I think you will find worries at least recede, and also if you now get your mind into a positive attitude of having this sort of spring clean of the mind and looking at how you live your lives now, you actually have a sort of project to share and plan together, which can be quite exciting and also you will find there are things that you havent thought about for years come to mind. Look through your direct debits and I bet you will find some subscription to a club or magazine that you never do anything with that is just renewed automatically and you might find a little pot of money that you could reward yourselves with a meal out or a couple of days away as a treat.
Talking this over between yourselves you might start to do some of these things and then if you mentioned this to your friends you might encourage them to do the same. It is a wise thing to contemplate, even if you choose not to do anything about it in the end. You will have some practical things that you can actually do to lessen your anxiety , something that you can tackle together and enjoy sorting some things out. In the winter when it is miserable out you might have the fire on and some decent coffee and reminise about places you have visited or memories of things you have done and then think about whether you would like to go back to some of these places or are glad you never have to go there again. Is there somewhere you always meant to visit and never got round to it? Maybe you might go there now.
This way you will have some happy times together still and as whatever we do we cannot stop the inevitable fact that one of us must die before the other, for me , it would give me peace of mind and pleasure to know that we had sorted lots of things out, and so in practical terms as we have cared for each other all our lives together we are doing our best to make life simpler for when they are alone. I do hope something here gives you some ideas for the future, and taking charge of things and feeling more competent at these sorts of things, or at the least, checking now with friends and family as to good local people to get to do work for you. If you no longer service your own car, which garage is both good and helpful. So for instance I now use a garage who are happy to run me back home when I take the car in and also deliver my car back to me when it is sorted and paid for. As it is not on a bus route and I have difficulty walking far, this is really helpful to me. Keep another little book with cards and telephone and email address for useful people such as electricians etc. Occasionally go through the book and note those who have now retired or moved and then look around for a replacement to fill that space. You can bet your bottom dollar that the time you get a leak that plumber is now retired and you are rushing around trying to think of someone else!!
Lastly , as you see the GN's will be here for you. There will no doubt be someone who has already experienced whatever problem you are facing and will have good ideas to help. So that major worry of How will I cope on my own? is dealt with. Of course we can never replace that special person in your life and we dont intend to , but we are here and certainly when I am in pain and cant sleep, I often get on the laptop and see what is happening with others and feel that I have friends on here that I know will give me good ideas that I have not thought of, and be here to listen to my worries and moans and groans.
So, today, banish those thoughts and go for lunch or coffee, or ignore jobs and play chess or just sprawl and enjoy talking to each other. Enjoy each others company and you will have made another special memory to hold dear. All the very best to you