Even if you were found incompetent by a court, you'd still be entitled to your benefit of the estate - it would just typically be held by someone else for your behalf, but would remain entitled to you for your use and benefit.
With that said, the reality is that unless dad is willing to enumerate EXACTLY who gets what, the estate will be split as outlined in some combination of will and trust documents and via any probate activity that occurs. In other words, without dad's active participation, there is no way to guarantee who will get what.
If you've got stuff of your own under dad's roof, the only way to be certain that what's yours STAYS yours is to document as much of your property as possible; save receipts, write down serial numbers, make sure that valuables are listed and described in your insurance policy (be careful that your stuff isn't listed under dad's homeowner's insurance lest the claim be that items are HIS) and similar precautions. If the house itself isn't already addressed, you might start asking - because the moment dad passes, the house becomes the property of the estate, and falls under the control of the executor, so who knows how it will be handled, who will live in it, or how quickly it can be sold in order to split proceeds.
As always, your best course of action is to consult with an attorney who specializes in estate planning in your state.
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While pointers can be helpful, ultimately the number one lesson in any legal action is: don't take legal advice from books, family, friends, co-workers, police officers, grocery clerks, web sites, or people on legal message boards. The only person who can give YOU legal advice is YOUR attorney.
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