How to Talk about the Future with an Aging Family Member


An estimated 65.7 million Americans have served as unpaid family caregivers. A typical caregiver loses $303,880 in salary, Social Security and pension due to taking time off for caregiving. As social, economic and practical resources are stretched, the burden of care falls on the families.

When a crisis hits, such as a fall, acute infection, or stroke, or when a chronic situation slowly dips below a functional level, panic sets in and difficult choices are often forced upon us by health care professionals. More often than not, families and patients alike feel lost and unprepared. So why are families not talking about this?

As a social worker, I have seen families, time and time again, fall into a pit of despair as aging crises hit. Rapid and difficult decisions must be made, and families bear the financial and emotional weight of these choices.

There are, however, simple guidelines that you and your family can follow now, proactively, that can help to ease the role transition from adult child to caregiver, from parent to dependent, from partner to provider.

10 Tips for Successful Family Conversations

  1. Hold your breath and jump! Take a chance and start a conversation with your parents or your adult children about health, illness and aging. Use a story in the media, a book, or a television/movie that you recently saw as an introduction. Let your family read/watch the material and talk to them about it a few days later. This will give you a pulse on how open everyone is to these discussions.
  2. Personal = meaningful. If you have a friend or another family member that experienced an acute health crisis recently, share this story with your parent/adult child. Discuss the ways in which this friend's preparation, or lack of preparation, impacted the family's coping and overall functioning. Wait and see if your parent/adult child offers to discuss your own family situation.
  3. Ask sincere questions. Create discussions that enable your parent/adult child to look at their life and the meaning that it has to them. This life review cultivates the relationships within the family, which can help to increase trust and open the doors for communication. Ask questions like, "What has been your most meaningful experience? What are you most proud of? Tell me about the day I was born? What is it like to watch me be a parent? The more you know somebody, the more confident you will be to assist, support and help them make decisions.
  4. Hear their story. Silence is an undervalued communication tool. Do not forget to really listen to your parent/adult child's story. If you interrupt or try to immediately interpret what your parent/adult child is saying, it can create communication barriers. Make sure to listen and then ask follow up questions to be sure you understand fully what was said.
  5. Be conscious of terminology. The words we use to communicate give us insight into how somebody processes information. Do they use the word death? Die? Deceased? Passed on? Met their maker? Respect that terminology and the distance it may or may not create for that person and that topic. Allow your parent/adult child to protect him or herself with language.
  6. Take your time. If your family is not used to discussing difficult topics openly and directly, things cannot change overnight. Use the aforementioned tips and bite off small bits. Give the challenging topics time to marinate with each member of the family. Follow up every few months until you are satisfied with the depth of conversation.
  7. Remember your history. Each family has their own set of unique communication styles, personal history, cultural influences, generational influences, gender influences, role expectations, etc. Work with what you have. A square peg will not fit in a round hole.
  8. Be honest. Being dishonest will not get your family to a "non-crisis" mode. In fact, if we are not clear about our choices, more confusion and family dysfunction will ensue.
  9. Legal, legal, legal. Discussions are fantastic, and absolutely help with facilitating and following through on your wishes. However, it is necessary to complete the legal paperwork to ensure that everyone's wishes are met. You can always, at the minimum, just inform your parent/adult child that the paperwork is complete, and to contact the notary or attorney who assisted you in the case of an emergency.
  10. Edit, copy, cut and paste. Conversations about future plans with aging family members may not work the first time or the tenth time. Hang in there. Do some editing and try again.

Stephanie Erickson, MSW, PSW, LCSW specializes in working with seniors and their families. She founded Erickson Resource Group, hosts a free weekly podcast “Caregivers’ Circle” on and is a frequent TV and radio guest. She has a clinical practice and trains financial institutions, community groups and professional organizations.

Erickson Resource Group

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How to talk about the future with an aging family member? I know for myself, I guess I never thought of my parents becoming elderly. My parents were still walking two miles a day come rain or shine when they were 87 and 91.... Dad was still driving without any problems, they were taking the subway into Washington D.C. on a regular basis visiting everything D.C. had to offer... and my parents were doing volunteer work twice a week at the local regional hospital. And I was busy with my career, being an independent woman, life was good.

Because of the above, it never dawned on me to have the talk about the future. I never thought if their Wills were updated, in fact at the time I never heard about Elder Law, Trust, and Power of Attorneys. I had nothing to relate to because my parents never needed to care for their own parents. And no one in my peer group was doing caregiving. If there was something on TV about elder care, I never paid attention, it didn't relate to me.

If only I could have seen into the future, then and only then maybe I would have had that talk about the *what ifs*, if I knew what the *what ifs* even were.... like what would my parents do if Dad stopped driving?... like what would my parents do if they needed hands on care?

It wasn't until my Dad had a heart attack that my parents independence took a totally different course. All of the sudden I was needed to be my parents *wheels* and here I was at the age where I didn't like driving that much. I thought this was temporary and Dad would be once again back on the road. Oops, thought wrong, this is now permanent.... as were other things that were happening as my parents started to age. I still didn't have the talk. I didn't even know what to ask.
Stephanie, when in doubt utilize a professional. Many wealth managers are trained to act as a sounding board in regards to such sensitive issues. Aj
I found that sharing what I was doing and how I was planning and asking for advice has been the best way to engage a loved one about a topic they may be uncomfortable with. I shared my estate plans and where they could find a copy of my records (MemoryBanc) should they need to step in and help.