Hi Travellor.
We just don't imagine its going to happen until it does, sorry you have these worries. You need to get a Lasting Power of Attorney completed for yourself so attorneys can act on your behalf. There are 2, one for finances and one for care, you choice who you want to have (could be children) and you can have a reserve individual as well. You don't need a solicitor but if your affairs are complicated it may be a good idea. I am assuming you don't have this in place for your husband so this may be more difficult to sort out depending if he is still able to understand and make decisions. The forms and general advise and information is on the Office of Public Guardian website, I tried to post the link but the website isn't letting me (not sure why)
Office of the Public Guardian
PO Box 16185
Birmingham
B2 2WH
Phone number: 0300 456 0300 - Phone lines are open Monday - Friday 9am - 5pm (Except Wednesday 10am - 5pm)
It may take a bit of digesting but I found it very helpful.
Good Luck