Tips for Family Caregivers Who are Considering Leaving Their Job

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I am a working “sandwich generation” caregiver for my parents and son. I know the daily challenges of caring for aging parents with cognitive and health care needs while holding down a full-time job and raising a family. I, however, am not alone.

According to AARP's 2015 Caregiving in the U.S. Report, roughly 40 million Americans provided unpaid care to an adult in the past 12 months. Another recent report entitled "Valuing the Invaluable" showed that only 6 in 10 caregivers reported having a job in the past year. Balancing caregiving responsibilities while employed can be tough.

To Leave or Not To Leave?

For working family caregivers, choosing whether to leave their job or continue working while caring for a loved one can be extremely overwhelming. There may be angst and guilt about not being able to do more for a parent who is sick or has a disability. Choosing between their own children and/or spouse and taking care of a parent become added burdens. Concerns about lost income, retirement benefits, and health insurance only muddy the waters. Important decisions take time and thoughtful planning. However, a crisis may lead a working family caregiver to make a rash decision to quit their job without fully considering the extent of what it means to do so.

Workplace Benefits and Accommodations

Help may be available from employers, but finding benefits and seeking accommodations often requires persistent effort, and usually at a time when caregiver patience is already worn thin. With 60 percent of family caregivers employed, employer flexibility is crucial. During the July 13, 2015 White House Conference on Aging, President Obama announced that he will fight to make family leave and workplace flexibility available to everyone in an effort to support employees who are caregivers.

Examples of workplace benefits and accommodations include:

  • Family and medical leave (FMLA)
  • Flexible and part-time work schedules
  • Telework
  • Job sharing
  • Programs to help caregivers
  • Paid sick days
  • Paid family leave

Access to Unemployment Insurance Benefits

Workers who have no alternative other than to leave their job may be eligible for unemployment insurance (UI) benefits. Data from our recent unemployment insurance benefits study for family caregivers shows that 25 states have caregiver-friendly unemployment rules that permit compelling family reasons to serve as good cause for voluntarily leaving a job.

Family caregivers who left their job for family reasons have received state UI benefits, but the number is low. Each state has its own eligibility regulations. However, some requirements apply across all states. In all states, individuals who file a claim for UI benefits must show that they left their job for a compelling reason. Depending upon the state, individuals are also required to be available to return to work either full-time or part-time.

Tips and Questions to Consider Before Leaving Your Job and UI Claims

  • Quitting is a last resort! Calculate lost wages, benefits, and retirement income if you quit your job.
  • What is the job market like in your area? Could you find another job once caregiving responsibilities lessen or end?
  • Explore all alternatives to quitting, including workplace benefits and employer accommodations that could alleviate the need to quit work to care for a family member.
  • Let your employer know about your caregiving responsibilities in advance. It is nearly always best for a caregiver to make their employer aware of any underlying caregiving situation causing conflicts with work, as soon as they arise.
  • Know the employer’s attendance policy and inform them of scheduled and unscheduled absences from work.
  • Contact your state UI office before you quit. Find out if you would be eligible to receive UI benefits and the conditions for receiving UI benefits. UI benefits are not a substitute for a paycheck, employer paid benefits, or paid family leave.
  • If you leave your job and are not available to return to work due to caregiving responsibilities, file a claim soon after leaving your job to establish eligibility, and then forego further claims. Once caregiving responsibilities lessen or end, you can begin to file claims for any weeks remaining in the 52-week benefit year.

Kathleen Ujvari is a policy research senior analyst with the AARP Public Policy Institute where she works on long-term services and supports research. She has an MBA and a Master of Science degree in health systems management.

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3 Comments

Don't do it!
Good article! Quitting my job WAS a last resort for me –I loved to work. And, after doing so, what was probably the hardest decision of my life was made much harder with a backlash of a couple months of serious depression –something I had never faced before. I am so lucky to have a supportive husband who encouraged me to leave my job to care for my Mom and Best Friend; who was already living with us due to her advancing dementia.

Because of Mom, we all win in this household. After a couple months of feeling sorry for myself, I started marketing my husbands wood-turning hobby, selling his beautiful Yarn Bowls for Knitting & Crochet Enthusiasts at heckathornturnedwood.etsy.com. And, although I never wanted to work from home, we inadvertantly ended up with a very successful and rewarding business from our home enabling me to work and give Mom the loving care she so deserved!

I've told my story here before; and, I know that most folks don't have a super talented husband or graphic design/marketing skills. However, there are many growing opportunities for folks to work at home –check out flexjobs.com for just one example. Having "a reason to get up in the morning" and do more than be a nurse, laundress, cook, chauffeur and advocate for your loved one will boost your self esteem, make for a much happier life and home, and possibly provide some extra income to tuck away for some day in the distant future when you're free to follow your dreams...
Very good article, but unfortunately too many don't stop to think what happens to them financially if they leave work. If we asked our aging parent 20 years ago should we quit work to care for them, I bet their answer would be "of course not".

I always keep this bit of information available in case someone asks if they should quit work to stay home to be a caregiver as it is an eye opener.

Here are some things to think about if one is trying to decide whether to quit work to care for an aging parent.... on average if a working person quits work he/she will lose over the years between $285,000 and $325,000 which includes not only loss of salary over those years... it also includes the net worth loss of the health insurance coverage.... loss of money being put into Social Security/Medicare..... loss of other benefits such as matching 401(k).... profit sharing.... workman's comp insurance.... company sponsored life insurance.... vacation pay, sick pay.... tuition assistance, etc. [source: in part Reuters 5/30/12]