Caring for a disabled family member is a responsibility that can feel overwhelming, especially when you’re also managing your own life, career, and future. If you’re Childfree, you may find yourself in this role, whether it’s a parent, sibling, or relative. The key is to balance your caregiving duties with your own needs and set boundaries. Here’s how to navigate this situation effectively.
Set Boundaries
One of the toughest challenges for Childfree individuals is the assumption that you will take on the responsibility of caring for aging parents or disabled relatives. It’s important to recognize that you have the right to set boundaries.
No one should guilt you into assuming caregiving duties beyond your capacity. It’s okay to offer financial support if you’re able but draw the line when it comes to providing more intensive care, like housing or full-time caregiving. If you are named as a caregiver in a family member’s will without your consent, you are legally entitled to disclaim the will.
Make it clear to family members what you can and cannot do, and stick to your decisions. Setting healthy boundaries ensures you don’t burn out and can keep your own life intact while still being there for those you love.
Find a Geriatric Care Manager or Social Worker
Geriatric care managers can be invaluable when caring for a disabled family member. These professionals help you navigate the complexities of caregiving, from managing home health aides to creating a care plan. A social worker can also be a key resource in connecting you with local programs your loved one may qualify for, and they can help you navigate the application process.
It’s worth seeking professionals who specialize in elder and disability care to ensure your loved one gets the best care possible while you manage everything else.
Figure Out Finances and the Future
Caring for a loved one, especially if their disability is permanent, requires long-term planning. Not only do you need to address the immediate needs, but you must also plan for the future — what happens when you’re no longer able to provide care or when you’re no longer around?
If you’re caring for someone with a terminal illness, there’s an endpoint, but for someone who will need care for life, such as a sibling, it’s essential to make arrangements for after you’re gone. You’ll need to revisit programs and benefits such as Social Security Disability Insurance (SSDI) and adjust your plans regularly, as eligibility and benefits change over time.
Consulting with a lawyer is important for getting guardianship and ensuring that your loved one’s legal and financial matters are handled. And of course, make sure your own estate planning is in order, including your will, living will, and power of attorney.
Planning for both your own future and that of your loved one can impact your financial plan, and working with a Childfree Wealth Specialist® can help guide you through the complexities of managing these responsibilities without compromising your own financial stability.
Seek Support and Professional Guidance
You don’t have to do this alone. The emotional and physical toll of caregiving can lead to burnout, so it’s important to lean on professionals, such as geriatric care managers, social workers, lawyers, and CERTIFIED FINANCIAL PLANNER™ professionals.
Creating a support system, both professionally and personally, ensures that you can provide care without losing yourself in the process.