Hi and welcome fellow insomniac!
You have an awful lot on your plate. An absent husband, both physically and emotionally, an old woman who seems to feel stuck just like you. And you are away from what I assume was a close family.
I can relate..myhubby and I were froced into early retirement by health issues, after we lost all in Katrina,he faced down terminalcancer and I had a bunch of medical isssues. We used our retirment funds to rebuild our home, cannot work because of my depression and chronic pain, hubby can't work either...we live on disability. We have to worry about money all the time and srill have a teenager. I feel like my life is a real letdown, this is not how we are supposed to spend "our golden years".
That having been said, there are lots of options. I live in rural area too so we are more limited. I have just volunteered to help with Adult Literacy, gets me out of house, helps me and others. Call your local Agency on Aging for activities for your mom in law, bingo, shopping, or there may be a senior center-she's probably depressed too. There should also be amental health center for low income or sliding scale. Call a hospital or counselor in area and they can help you locate it.
As far as yr hubby goes, you can't force him into counseling. Mine won't go, says he's "just fine" but get counseling for you. My hubby and I pretty much lead separate lives now, still care abouit each other but go our own way. Hope you can repair yours
There should be a free medical clinic also, you may want totry some anti-depressants for awhile.
I'm going back to bed...hang in there, there is help out there, we just have to go out and get it...it won't come knocking at our door.