Don,
First of all, for you own safety , remove you phone #.
Secondly, I understand your desire to care for your sister, however, even though lupus does have a significant impact on a person's life, there should be no reason why she cannot do something other than talk on the phone and watch TV.
If she and her husband cannot work, They can apply for SSD, in turn, they can get medicare which will cover their prescriptions. Until then they can apply for social services which can supplement their income and provide them with health insurance to cover their medical needs.
TN human services
FAQ -lupus
SSA