We recently were concerned about this as FIL was very ill(he ended up pasing away 2 weeks before we left). DH called and inquired what was the cancellation policy. They told us we had 5 days in advance to cancel. Obviously this wouldnt help us much as we wouldnt know we had to cancel until the last minute, if we had to. However, the CM DH spoke with also said anything less than 5 days would be left to the resorts discretion. The CM then also noted on our reservation that we had an ill family member. I guess its basically just a matter of hoping you get a sympathetic CM to deal with, if it comes down to the worst.
Best of luck to you! I know how difficult this situation can be. I hope all works out well for you. Pixie dust on the way!!!