More Bad News For The Sandwich Generation – Filial Responsibility Laws

The sandwich generation are the folks who are currently raising teens, paying for school, and taking care of their parents as well.  This causes much missed work, missed work opportunities, missed events with children, and general exhaustion.  How could you possibly accept a promotion requiring a move when you are taking care of an aged loved one here?

Now there is another worry to consider, Filial Responsibility Laws.  30 states have them and they state that adult children have a duty to provide necessities for parents who cannot do so for themselves.  This includes long term care (LTC)!

Here is a list of the states that have such laws: Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Montana, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia, and West Virginia.  If your state is not listed here you are NOT out of the woods.  If you have parents living in one of those states, you could become responsible for their bills including the cost of home care, assisted living or a nursing home.

Judges use a number of factors when determining the adult child’s responsibility to cover the indigent parent’s bills.  I personally thought I would never see these laws enforced, but California, New York, and Pennsylvania have each had a number of cases.

You may have heard the various rumors of shortfalls in government budgets.  You may also be aware that the baby boomers are turning 65 at a rate of 10,000 a day and will for the next 18 years.  Where do you think the money will come from to pay for the LTC these people will need, if they do not have the funds, or insurance to pay their own bills?

You might view this as a way to get even with your kids, like the bumper sticker that says we are spending our children’s inheritance.  But do you really want to bankrupt them from their financial security?  Perhaps you should investigate LTC insurance for yourselves, if you are still able to qualify for it.  for more information, visit

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