Even though our parents
may be healthy, vigorous and active today, it’s wise to think
about how you and your siblings will care for your aging parents when
the need arises. While there are no easy answers and definitely no
“one size fits all” philosophies, there are certain factors
to consider. Stated desires, finances, living space, values and habits,
shared responsibilities, access to medical and care-giving resources
and connections to the community are top priorities. We’ll consider
each of these more fully.
Accommodating your Parents’ Wishes
and your Own
The first place to begin is always with your parents’ stated
desires. Do they want to live in the United States or return to South
Asia? Where and how would they like to live? Some parents will choose
active “55 plus” communities where they can socialize,
play golf or tennis, swim, and have some of their household and living
responsibilities taken care of by the community staff. Others will
choose to live near their children and grandchildren, but may need
to be driven to social activities, like visiting the temple. Still,
other parents will choose to live with their children, requiring everyone
involved to make accommodations. What’s the best way to find
out what your parents want to do? Ask them. Now is the time to start
a conversation about how they would like to live, where they would
like to live and what kind of lifestyle they would like to maintain
as they get older.
Rima’s parents are healthy, active and live
in their own house, which is approximately ten miles from her home.
She asked her parents about their desires and how they would like
to live as they got older, and was surprised to find out that they
wanted to live with her to be closer to their grandchildren. Rima
had always assumed that they would want to live with her brother.
It was good that she asked now, so she was better prepared for the
future.
Addressing Financial Concerns
The next area to consider is that of finances—both yours and
your parents’. Some parents will have great reserves of retirement
income. For these people, retirement will not mean a significant decrease
in their way of life. They may be able to afford a separate residence,
luxury vacations and top medical care. Other parents, though, may
not be as financially comfortable and may require assistance from
their grown children. You need to be thinking about how much and what
kind of assistance you would be able to provide your parents if asked.
This is not only limited to financial assistance, but also might include
driving them to medical appointments or cleaning their house. Again,
it’s wise to talk with your parents about their retirement and
financial resources so everyone is clear on what types of help will
be requested and given.
Once Rima knew her parents wanted to live with her,
she called her brother Satish and spoke with him about their parents’
desires. Satish, while surprised, was amenable to discussing how the
financial and physical responsibilities could be divided. After many
conversations, they decided that Satish would contribute a fixed amount
each month and transport their parents to various events every other
week. Since he lived just a few miles away, this was reasonable and
seemed to be a workable plan for everyone.
Locating Living Arrangements
The third area to consider is available living space. There are two
cases in which this is very important. In the first case, your parents
may need to move to a new house to accommodate their specialized needs
for a certain floor plan, like a first-floor bedroom. They may also
need special equipment that has to be installed to enable them to
live independently.
The second case is if your parents will be living
with you. You must have enough space for them to move in and be comfortable.
Aside from a bedroom and bathroom, you may want to provide them a
small sitting area or library room where they can watch movies or
listen to music on their own. This can give you both much needed privacy
and space. If you have children, be sure to talk with them about how
the whole family will need to make some adjustments when your parents
move in. Expect your children to have questions about how this change
will impact them. You should also be able to present a balanced approach
about what might be beneficial about your parents moving in and what
might present difficulties. Children are very resilient and can adjust
to almost anything when parents clearly communicate.
Reconciling Values and Habits
The fourth area to consider is that of values and habits. Generally
speaking, your values and habits might not be similar to those of
your parents. If your parents will be living with you, it is crucial
to discuss ahead of time how conflicts will be handled. For example,
let’s say that you eat meat and your parents don’t. Will
you still cook and serve meat, knowing your parents may be uncomfortable
with it? How much of your lifestyle are you willing to change? How
flexible are your parents? How capable are they of making allowances
if needed?
When you start to plan for your parents’ care,
it’s also important to talk with any siblings about how various
responsibilities will be shared. It’s vital that each sibling
have the opportunity to contribute to your parents’ care. You
should discuss financial contributions, as well as how much time and
transportation each sibling can provide. It’s crucial to share
the responsibility so no one feels completely overwhelmed and overloaded.
Be sure to consider issues of medical coverage and how the costs for
this should be shared as well. Nowadays, people are living longer
and longer, and it’s very likely that this trend will increase
over time. Plan accordingly.
Short-term and Long-term Care
Access to care-giving and medical resources is another area to consider.
Sometimes, you may need to call in help to assist with caring for
your parents. What kinds of resources are accessible in the community?
How can your parents obtain the best medical care? What other possibilities
exist for their mental and physical well-being? Depression is very
common among the elderly and, apart from medical reasons, is most
often caused by isolation and experiences of loss. How can you best
allow your parents to stay in touch with their friends and the broader
community to remain interested and happy?
There are many issues to consider when planning
on caring for aging parents. Aside from the issues mentioned, you
also have to consider how caring for aging parents will impact your
life. At the very least, it may impact your living space and finances.
It will likely impact your marriage. Also it will require that everyone
be more communicative, open, and forthcoming about what is occurring
and what can be expected. It’s not easy to take care of aging
parents. However, it’s part of the natural cycle of life. They
took care of us, and one day it will be time for us to return the
favor. We’d want our children to do the same for us, right?
Dr. Rachna D. Jain is a licensed psychologist and professional coach
who is regularly quoted in the national media. Based in the Washington
DC metro area, Rachna can be reached online at http://www.rachnajain.com.
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