Can mom pay me to be her caregiver?

Text Size: - +

8 Comments

 Print

Email Email

Q: Is there a way to use my mother's assets to compensate me as her caregiver?

A: Possibly, depending on your situation. If no one in your family is in disagreement with the arrangement, it is perfectly legal for your mother to pay you for getting care she would otherwise have to pay someone else to provide if you didn't.

The clearest way to handle this is with a caregiver contract between you and your mother, so that your duties and her expectations, as well as the rate of pay you are to receive are spelled out in writing. An elder law attorney can prepare such a contract for you.

Be aware that payment of a salary carries with it tax obligations on your part, and contribution for you to Social Security, disability and unemployment insurance on your mother's part, in the form of deductions from your paycheck. You may need a bookkeeper to advise you.

Difficulties sometimes arise with getting paid for caregiving, as it may cause conflict with siblings or others in the family who want to inherit the funds your mother is paying for your caretaking. Before arranging such compensation, it is wise to seek the advice of an elder law attorney, to be sure there is not a problem with doing so. Such factors as available long-term care insurance, if your mother has such a policy, trying to become eligible for Medicaid, and other factors can complicate the arrangement of your mother paying you for caregiving. Her competence to decide to pay you out of her assets is also a consideration to discuss with the elder law attorney.


Carolyn Rosenblatt is a registered nurse and attorney who has 40 years of experience. She is the author of "The Boomer's Guide to Aging Parents." Read her full biography

 
 

Comments

 
  •  Comments 1 to 8 of 8 
 
 

crystalmpn

Give a Hug

Aug 10, 2010

I checked into the paid part- Moms request. It is for people that do not have assets and have a real need- you can get compensation - meals on wheels - a life alert and someone a few times for respite care.

But it IS for the truly needy -not for someone like my mom who doesn't care if I have no income because I am caring for her and she doesn't want to help me- it is for the lower income and if you have any assets to speak of there wasn't any help.

 
 

Montgomerylady

Give a Hug

Jun 29, 2011

I live next door to my 93 yr. old Mom, and she is totoly deaf, I cook and take care of her. I am moving, she says she is not going. I need to purchase her a small mobil home so I will have help with her care. Sons and daughterinlaw. I am 72 but I don't have any access to her money. what can I do, I am also a widow.

 
 

tiredboomer

Give a Hug

Jun 29, 2011

I also am a caregiver for my Mom, I have a sister and a brother that refuse to help. I am not compensated and have been caring for my Mom for 3 yrs, 24 hrs/day. My health is going because its so much work. There seems to be nothing available for caregivers when family members are selfish or greedy and the senior can't afford any other option.
Tired and overworked/Ca

 
 

agecare222

Give a Hug

Jun 29, 2011

Have you paid your mom for her caregiving of you from birth until you grew up yet? If not, seems to me you owe your mother first. THEN only if you cannot afford at all to care for her and have no other help from family you might ask for help from her.
If you cannot pay for something she needs (such as medicines) then let her know you will have to receive the money from her to pay for her medicine or whatever. Give her the opportunity to know you need help from her.
I was a caregiver for my mom for her last 3 years at her home with the help of 2 other sisters, then we could not care for her physically and had to admit her to a Nursing Home. It was really rough but we managed to do it. I stayed with her 3 days and nights a week, one other sister stayed one night a week, and a lady we hired stayed with her 3 days and nights a week. Between me and my two other sisters we paid for her care. But it was worth it in the end. I am not sorry for it. good luck

 
 

Phred

Give a Hug

Jun 29, 2011

tired boomer....you need to start thinking about what you need...and do that. if you run yourself into the ground, who is going to take care of you? if your siblings are so thoughtless of your situation, contact the local county elder care. there are resources available, but you have to be willing to accept what is offered, which may be lowering your standards of living, or doing life different. I've also had to learn I am NOT the only one on the planet who can care for my elder! I have to ask (takes more time to coordinate), take time for me (listen to their whining about ignoring them), and schedule them away from the house (more time to coordinate). But after 4 months, I'm starting to see the difference, and the arguments I used to get related to leaving the house or having others help me at home are now non-existant. The elders generally can figure it out when you're zapped...they did that too at some point. You simply have to take care of yourself so you can care for others!

 
 

Unloved

Give a Hug

Jun 29, 2011

to agecare222 That's a really nice sentiment since it is clear you have plenty of financial resources, help of 2 others and obviously no need to earn money for your own survival. If you don't like being judged, do not make judgements on others. Most often siblings want Mom's $$$ do not help and are happily working full time and investing for their own benefit with an occasional jolly visit. What about Mom not parting with a dime of her $$$ and the poor good hearted slob who does it all without help and no appreciation nor compensation for survival ? Think about it happypants.

 
 

tianna

Give a Hug

Jul 2, 2011

I totally understand because I also am in the same situation with my parents.
Seems like I am saving medicare and state alot of money taking care of
my parents. Help me take care of them! My health and health issues are unattended due to the fact I can't find time for me. Nor can I work and take good care of my 83 and 84 yr. old parents with different needs. They worked all there lives to be able to stay in their own home. They help me when they can but it is not enough for me to maintain. I have know Idea what to do!

 
 

DMS

Give a Hug

Oct 23, 2011

I taken care of my elderly mom she is 84yrs, I do everything for her make the appointments taking her to dr. appt's the stores etc.
I also work 30hrs a week, my husband works nights.
My sister and Brother live out of state, my sister pushed this on me because she has a life to live!! So I make sure she is taken care of.
I really didn't think this take so much time on my part, was just nice having her here with my family. But a lot things I didn't know she does as with her heygen don't want to mention this. It takes a toll and at times very stressful on my part.
I don't have time to do things I like to because I think of mom has she is doing.
Out of the blue she yells so this make's this hard to deal with.
Someone said our parents paided for us when we where young, but it's different when paernt's get older as there needs change with health etc.
My mom has to go to the kidney dr, every 3 months and her throids due to her kidney;s. And a few other Dr appt that she needed.
So when you're young this is different as we grow up and go our own way.
But our parents get older and need care, so you really need to know what's ahead. Mom was crying to move in with me she called almost every day.
She lived 1600 miles away, and now lives in with my family.
Had no idea of getting paided to care of a elderly parent, someone at work brought this to my attention.
Be nice to be with her more, I know she complains and wants me to spend more time with her.
Thanks for listening. I wish everyone good luck it isn't easy at all.

 
  •  Comments 1 to 8 of 8 

Add Your Comment

Find Senior Housing that fits you needs

Search location:
I am looking for: