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My mother is 83 and in good health. Mild cognitive decline but still pretty sharp. She and her husband are constantly talking about how I should move in or have them move in with me whenever they get to the age that they’re not able to care for themselves in their home. I have told them I have no intention of doing either. Then they say “well please promise to never put us in a nursing home”. That’s not a promise I can make. I cannot predict the future and their health. I hope they can live their lives independently right up until the end but things happen and circumstances change. How can I make this clear to them without sounding harsh or uncaring?My husband and I plan to retire in 4 years (we’ll be 62) and hope to travel and enjoy our retirement not become full time caregivers. My mom and her husband have already enjoyed their retirement and traveling when they were my age. I think it’s unfair of them to expect this from me.

My MIL once said to me “please don’t let my kids ever put me in a nursing home.” I replied, “do you really want one of your kids to spend possibly 10, 15 or more years of their adult lives caring for you if you can no longer live independently?” She didn’t answer. In her case, she did end up dying at home in hospice a few years later.
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Reply to Suzy23
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Just to chime in (I did last night too)....definitely don't fall into this trap. My dad died last night in a SNF - exactly where he didn't want to be - alone in the middle of the night. Because that's the reality of America - you go bankrupt trying to age in place and SNF is the only place left if you wait too long for Assisted Living. And to top it off, my aunt went to see my mom today. My aunt asked my mom, "Where are the girls?" My sister is out of town (I won't let her rush back) but my mom said, "Frankly, I don't want Pat (me) here. She drives me nuts." So don't beat yourself up or bend too much - people die, or they get really, really mean.
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lealonnie1 Mar 15, 2026
My condolences on the loss of your dad. I know it's a relief, bit I also know there's a lot of grief mixed in. Sending you a hug and a prayer for peace.
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My grandparents died when my parents were much younger than me and still working full time. That is the case for most of us. Fortunately, my parents were very intelligent, educated people who understood this. Not everyone does. Many of us owe our parents love and respect, and you can show that without cleaning up after them. Doesn't it sound like the parents who are most demanding are the ones that gave the least?
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Who cares what they ask or say. My family did waaaaaayyyyy too much to let my dad stay home, even though there were lovely assisted living facilities BOTH my parents should have moved into long ago. Guess what? He's exactly where he didn't want to be ...in skilled nursing and unable to let go....my mom is insane and can't visit him anymore or get off the couch, they blew through $600k in private caregivers, my sister and I are scrambling for Medicaid documents, my extended family is judging all of us, I'm furious....and what for? Seriously....what was it all for? You die somewhere. The goal should be not to die too early and to make it easier for your kids so you don't ruin their 40s and 50s.
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MG8522 Mar 14, 2026
I know an exhausted husband with his own health issues who is desperate to move to assisted living but his wife with even more serious issues absolutely refuses, so they are paying for four full-time, 40 hour a week in home caregivers to achieve 24/7 coverage, plus running their children ragged. He has always handled the money so she has no clue about finances. He always assured her that he had saved and invested well for retirement, but I wonder how sustainable this is.
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Never promise this. I have brought this up to my husband who is 18 years older. I intend to take care of him when he needs the help. However, I know my limitations. I will care for him at home while his care remains a one-person job. This means that I can leave him alone long enough to grocery shop or get a haircut or just get out a bit for myself. If he gets to the point where he needs constant supervision, we will have to reevaluate his care needs. I refuse to hire out people who never show up or cancel last minute. These are the hard conversations you need to have in advance.
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Don’t know what your parent’s financial situation is. But, I am the same age as you and looking to travel and enjoy my retirement. So, I told my Mom this: You can tell your parents the same thing that you will keep them in their home as long as you can with Home Health Care should they need it. Instead of nursing home.
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Sandra2424 Mar 14, 2026
You will still have a large responsibility keeping them in their own home with home care. Worrying about scheduling home maintenance and cleaning, keeping up insurance payments, and property taxes. Scheduling caregiving, dr appts, shopping, etc. Even if they pay for all of it, you are on call 24/7. NO THANKS!
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This manipulative behavior is common with aging parents. The forcing their adult children to promise not to put them in a nursing home. It's disgusting that any parent would ask this and yet so many do. Even ones who never did a moment of caregiving themselves to their own parents or elderly relatives.

I've seen resentment and caregiver burnout wreck happy homes because needy elders were moved in. I've seen the lives of kids ruined because of it and many once happy marriages come to a bitter end in the divorce court because of caregiving.

You tell them that parents who love and respect their families never ask them to make this promise. That it is the very height of selfishness to expect you to spend your retirement enslave to their old-age care needs. Let them know that you will take care of them in other important ways that do not include living together or you being their caregiver/companion. Like advocating for them if they do have to be in residential care. Making sure they are in a good place and receiving good care if they need it. Arranging and managing homecare if that is the option that's chosen at some point. There are a lot of ways to be a caregiver that do not involve living together and the adult child literally doing all the work.
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Reply to BurntCaregiver
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I think it is not unfair to ask of you to help care of them when the time comes. Here is the real question at age 58 why is it or what is it about caregiving thatis turning you off? How do you not know that you may need to come out of retirement after you retire? Or as you and your husband get closer to 62 you might become engulfed in your own health issues or your husband might god forbid. I think family should help family. You do not agree?
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MG8522 Mar 13, 2026
It is the parents' responsibility to make arrangements for their own retirement and care. I hope you are not making your own children your retirement plan.
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My parents both have a bad impression of what is available now, they think of nursing homes from years past. There is Independent Living (IL) places that are great. They get all their meals (may not apply to all places, such as only 2 meals a day), activities, exercise classes, etc. Different types of medical services are available on site. There are other extras, such as social hours, off-site trips. And they will make a lot of friends.

After IL they can graduate to Assisted Living (AL). The bonus is they know the location at that stage and the staff and people.

My parents both refuse to do this. They are in their 90's. My mom is still sharp but my dad should be in memory care. They are in a place with no services and no meals. They think the kids should be taking care of them, yet like your parents, they traveled when they were younger and did not participate in their parents care.

We are waiting for a call telling us there is a medical emergency and we will have no plan on where to house them. We speak from experience as we went through this last year after my mom fell. We got them into AL. My mom decided she hated it before she got out of rehab. After my mom recovered enough, they left AL and returned to their prior location.

I encourage you to do research now into IL and AL in your parents area so you are familiar with locations. If they will not accompany you, go on the offered tours on your own. I did this a couple of years ago and we had a few places picked out and I even got them added to a waiting list in the location we liked best.

Stay strong and good luck!
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Reply to crrathome
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I would NEVER agree to something like this from anyone that I was caring for.
Things may be fine now but what happens when their care becomes more than you can manage at home.
Placing someone in any facility that can SAFELY manage their care is part of being a good caregiver.
I always said that if it ever became unsafe for my husband for me to care for him I would have to place him. And if it ever became unsafe for me to care for him I would have to place him.
Safety should be the number 1 priority. And safety is not just physical but it is mental, emotional, psychological.
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Reply to Grandma1954
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I agree with you 100% I've already told my kids to do what they're comfortable with because I CHOSE to have THEM not the other way around. My kids owe me nothing. I hope I've earned their affection and respect.
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Reply to LindaW313
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"Mom, I cannot remove your appendix or care for you in your old age. You need to find someone with the right training and skills for either."

I hope you enjoy your retirement! My mom pretty much demanded I not place her in a care home after she and close family members placed not only my dad, but also both grandmothers in care homes. She still holds it against me, but after two years it's more plain than ever that it was the exact right choice. She is safe and cared for. She has 24/7 care, weekly activities including manicures & arts/crafts, three square meals a day with snacks, Elvis nights, llama therapy, visits from family, and she can binge watch Youtube all she wants.
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I agree with you that it is an unfair request. I cared for my mom, but she never asked me to, and she had no intention of doings so. I made the decision on my own, and was fortunate enough to be able to care for her. While there were financial consequences, the spiritual and emotional benefits were far greater for me. But it is clearly a decision each person must make for themselves; each situation is different.
______

Someone else posted:

"I think the best response is for you to ask 'promise me you will die before you become unable to care for yourselves in your own home.' It’s a conversation stopper, but it’s also a very fair counter-request."

This, in fact, need not be phrased as a somewhat snide "show-stopper." For someone in dire health, or in the early stage of dementia, there is a possible (not guaranteed, of course) alternative. It is called self-deliverance. While I am not going into details here, I will point to a book of one couple's experience: "In Love: A Memoir of Love and Loss." Medical aid in dying (aka MAID) is also available for people with a prognosis of 6 months or less. There are options for those of us who prefer to avoid institutionalized "care" (generally neglect), and prefer the alternative when the time is right.
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ElizabethAR37 Mar 13, 2026
The problem with the "show-stopper"--and I FULLY endorse it--is that not everyone who desires this alternative will qualify. I've put it in writing that self-deliverance would be my choice should I find myself in dire health straits. However, there are many hoops to jump through and, unfortunately, one's wishes may not prevail depending on condition and other factors.
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Your post is eloquently written. SHOW them this post and tell them that you reached out to this supportive forum for guidance. Letting them read what you wrote can be more poserful that a discussion. Then, as others have said on this topic and others, "NO" is a complete sentence.

Boundaries are so necessary when dealing with any relationship, and for parents/children, there's a ton of both intentional and unintentional manipulation that goes on and usually the "people pleasers" and the codependent/enmeshed individuals are the ones that suffer the most from their own bad choices. Please stay strong for yourself as well as your husband. Advise them, help find them resources, but that's where it ends.

Also, my own 93 year old mom is in an assisted living facility for about a year with mild/moderate dementia. This facility provides med management, restaurant style dining, entertainment, day trips, fitness and games, etc. It's like being on vacation.
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KellyGirl71 Mar 13, 2026
What would make some be codependent/enmeshed to.their parents even later in life? Thoughts?
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I am 77. I remember visiting a nursing home as a child to sing Christmas carols. It was really bleak. When my parents needed some help I toured a number of continuing care facilities. It was night and day compared to my childhood memory. Has your mother ever visited one of these places? My mother died before they could move, but my father moved through all the stages in the 7 years he lived there.
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Fawnby Mar 13, 2026
Care facilities have come a long way. My husband is in a memory care facility. Yesterday they had a performance by a women's dance troupe from a nearby retirement community. You should have seen the smiles on the residents' faces! Also the St. Patrick's Day decorations are up. There will be green cake and visits from the aides' children and dogs on St. Patrick's Day. Then, next month, Easter egg hunt for the aides' kids outside if weather permits, and games for the residents, such as throwing balls into baskets. All is adjusted to the level of the residents, but everyone enjoys.
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For all of you out there age 25 and up: What are you doing to plan for your elder care? It's not too early in your twenties. At that age you have about 50 years to save your money in a safe interest-bearing account that you never touch until you need it. No one ever talks about this, do they?

You in your twenties taking care of granny, wouldn't it have been nice if granny had done this? So you wouldn't have to be changing her diapers now? You in your sixties taking care of 90-year-old mom who only has her social security benefit and can't afford memory care - wouldn't it be nice if she'd saved twenty thousand dollars or so for her old age? So she could pay for a couple of years for herself in a nice memory care facility?

People think the government should step up and give them money for caregiving when it's the person being caregiven who should have saved to take care of themselves. Some people did, like my MIL who died at age 99. She was a food worker, on her own as a widow from age 45. She didn't have fancy clothes or a nice car. She had kids to raise. But she always saved, learned fundamentals of investing, and even after paying for her own caregivers for her Alzheimers, left a nice little sum to divide between her children.

We should be having a national discussion: HOW TO TAKE CARE OF YOURSELF IN YOUR OLD AGE SO YOUR CHILDREN WON'T HAVE TO.
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Klwolf Mar 13, 2026
You mention saving $20K to pay for a few “years” of care. Care facilities in our area cost $7-$15K per month so a person who might only need a few years of care needs to have a minimum of $250K! My husband has Parkinson’s and will probably need to be in a nursing home within 2 years. His family tends to live until they’re in their 90’s so I could be responsible for paying for his care for up to 10 years so could need to spend over $1-million. I’m 10 years younger so also need to have money for my own care. We worked, saved and invested for over 40 years and while we look wealthy on paper, anticipating future care expenses that could be in the millions has us living as frugally as when we were in our 20’s. If we hadn’t saved anything then we’d qualify for Medicaid but we scrimped and saved so we would be financially secure in retirement. We are both hoping that we’ll die quickly after a brief illness so there will be money left to pass on to our kids. Fortunately we live in a right-to-die state so that might also be an option we choose.
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It’s extremely unfair, and exactly what’s happened to me. Unfortunately, my mother’s entire family abandoned her because they expect me to take care of her for the rest of her life. They contribute nothing financially,
nor have her siblings visited in nearly ten years. They call on her birthday and holidays and she refuses to speak to them. I rue the day I ever said that I wouldn’t put her in a nursing home. We survive on her pension and social security-which is over 80k a year-so we qualify for nothing as far as social programs go. Don’t make the same promises I made. It’s not your responsibility.
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ShirleyDot Mar 14, 2026
You can change your mind. Circumstances change. It wasn’t a contract with the devil. You won’t lose your soul if you break it.
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My parents were the same way, and they included assisted living in that. (My mom had a friend with a bad experience, and that meant all ALs in the universe were bad and intent on killing you. Her friend was also a little delusional.) So we promised we would let them age in place *as long as they were able to care for themselves*. None of this moving into our house, or us moving into theirs (though we might have considered it if necessary, before my own health crashed).

To be fair, their home situation wasn't the greatest. Nonagenarians, Mom had taken to her bed after a couple of bad falls, Dad was doing all the caregiving because I was too sick to. It wasn't great, but they were managing. We helped when we could.

Then my mom had a stroke last August at age 93. Mild, but she was in rehab for a couple of months. We did everything possible to get her home, but the doctor said there was no way (she couldn't stand on her own, and my dad couldn't lift her). We had to make the agonizing decision (for them -- easy for us) to put them in assisted living. Dad was so exhausted by then he knew it was the only thing they could do, and Mom frankly didn't have much say. We also showed them how expensive in-home care would be compared with the (still expensive) AL facility. They moved in in October.

I wish I could say they love it and everything is great. They're not happy they have to be there, sometimes talk about going home before we sell the house (no way is that happening). It's not what they wanted. But they lived through the decision and the move, and they know it's where they need to be.

All that to say -- you don't have to promise. Tell them you can't. (I was clear I wouldn't "promise" to never move them out of their home.) Tell them you'll do everything you can to keep them at home, but if their health becomes compromised, and your situation is such that you can't (or don't want to) take them in, you will help them do the footwork to find a place they can live in and with. If they don't like it, tough. This is the reality of aging.
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My mom made me promise her to not put her in a nursing home. My father had passed away, and she was still able to take care of herself. But then she had to have surgery for melanoma on her face. It was major surgery, including plastic surgery. I stayed with her for those 4 months helping her recover. Within 6 months dementia set in. I took care of her for 6 years before I burnt out and finally put her in a memory care facility. It broke my heart. I know the sacrifices I put on my own children and my husband during those years and I was basically torn up physically, emotionally and mentally. I made a promise and I kept it. My mom had put both her parents in a nursing home so I guess she really didn’t know the toll it takes on you. I would never ask that of my children. All I ask is that they visit me.
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I see that current Health Care POAs have a section with a question whether the POA can admit the individual to a long-term care facility:
----
(a) A nursing home -- Yes No
(b) A community-based residential facility –- Yes No

If I have checked or initialed beside “No” or have not checked or initialed either “Yes” or “No,” my Agent may only admit me for short-term recuperative care or respite care.
---
This seems to make the "promise" an official contract. How have folks dealt with that?
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Rosered6 Mar 13, 2026
My mom's health-care power-of-attorney document is worded like this. (It's the form that the state of Wisconsin provides.) When my siblings and I were thinking and then talking about moving mom to a memory care assisted-living facility, I mentioned that it would be good to try to move mom while she could still consent. She wasn't happy about moving but she agreed to do so. If she had refused to move, we would have had to try to get a guardianship if we wanted to move her over her objection.
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AS an 85-year old in reasonable health and no cognitive issues, I am going to make a recommendation. Convince your parents that they need to move to a CCRC (continuing care retirement community). You will start out in an independent living apartment. In my development there are several basic sizes from studio to 2 bedroom apartments with kitchens. One meal a day is provided. There are doctors that practice within the community, including dentists, optometrists, and podiatrists. If your health goes downhill, you can hire aides to help you out. I have a neighbor who requires 24 hour aides. And if that isn't enough help, there are assisted living apartments, and finally nursing care apartments.
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ElizabethAR37 Mar 13, 2026
This is an excellent recommendation--IF the elder has almost unlimited funds. Although many middle-class retirees, like me, did try to plan for their old age, rising prices for necessities (and living too long!) may have impacted their plans in ways they could not have foreseen. For example, we bought long-term care insurance 30 years ago, but the premiums have now reached a jaw-dropping amount and increase every year.

Without doubt, CCRCs are a great alternative for those who can afford the substantial entrance fee, monthly maintenance fees and increasing costs when additional services are needed. (Then there's this: if the facility is bought out by private equity, which is a thing nationwide, care will be stripped down to the absolute minimum. If that's not enough to turn a handsome profit for investors, the fund can always declare bankruptcy. Often, the residents then become "collateral damage".)
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I made that promise to my mother some 20-30 years ago. When she had a stroke at 87 last year, I had no choice. It absolutely broke my heart. My advice is: Don't set yourself up for heartbreak. Don't make promises you can't keep.
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France1956 Mar 13, 2026
My sister promised her biological father that she would never let my alcoholic, drug-addicted brother leave the home that became my mother's upon his death. HShe is stuck now, because all the rest of us siblings are going to want our share of the house, which would put my brother on the streets. She also should NEVER have made that promise, that now is going to get her sued by all of us in court.
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I alwsys pray about my decisions and tgen fo what I feel God is telling me to do. But none if us know what the future holds.
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Reply to Peacefulharbor
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I think you have a very healthy and realistic view of your parents' care needs as they age.
It is NOT harsh or uncaring to make it clear to them that you do not plan to spend your retirement years as a full time caregiver. It is selfish and uncaring for them to expect that.
I think it's a generational thinking which is changing. In their minds, they probably envision themselves being slower, weaker, and living with family feels safe.
But, I'll bet they don't think they could have dementia and all the crazy behaviors which come with that, or be in diapers, which you'll need to change, or unable to get out of bed, and weigh too much for you to help safely. That's the reality now for many elders.
My mother, who died over 20 years ago, used to say she would come live with me when she was older. Her grandmother lived with her family for many years, doing all the cooking and baking, and lived a fairly independent, quiet life alongside family. She did not require any hands-on care. That was in the mid 1900's. My mom envisioned a similar arrangement as a normal expectation.
Unfortunately, my mother developed cancer and died at age 62, staying in my home for the last two weeks of her life.
My father is still healthy and active at the age of 85. I have told him he will have to be in a nursing home if he needs someone else to care for him. His wife is 20 years younger, and she is not likely to provide hands-on cares, they are both very selfish people, not equipped to take care of another.
I've been taking care of my husband for 10 years. It is killing me. My self-absorbed dad sees me as kind, nurturing, patient, self-sacrificing, a "saint".
That's how he would like to imagine me. I'm sure he thinks I would drop everything to be at his side, and changing his diaper if he needed. I will not.
I am not a nurturing, self-sacrificing saint. I take care of my husband because that's what works best for us right now. I recognize the time will come when I can no longer do this, and my husband will have to be placed in a nursing home.

It is not heartless to provide our loved ones with proper care by professionals in a professional setting. New nursing homes are not the drab, hospital-like places they were 50 years ago. They can be bright, warm, welcoming, and homey-feeling, with cheery trained nurses, administrators, activity directors, and cna's, all attentive to the resident's needs.
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France1956 Mar 13, 2026
Great response! My sister is spending over $7,000 a month for mom's memory care, yet keeps taking her to my sister's house to stay. hy PAY FOR THE CARE IF SHE'S GOING TO PROVIDE IT HERSELF, AND BY THE WAY, COMPLAIN TO ALL OF US ABOUT IT?
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Wow, that's really selfish to constantly talk about how you should move in or not when they can't take care of themselves anymore. I would be snapping, "I have no intention of doing that!" immediately. Glad you did!

I would ask them if they had to sacrifice their retirement years to take care of their own aging parents? For how long?

Of course they will say they didn't have to. Neither do you. I would be totally annoyed at them bring the same thing up repeatedly, too. I agree they are being unfair (and very selfish) to even expect that, after they already enjoyed their retirement years.
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This is common with many parents and families, especially in a struggling economy and the increased costs of various services for health care and the shortage of workers in the medical field. A lot of medicine has turned into specialty care which can be an advantage, but has also increased the challenges for people scheduling appointments in less than a period of three months due to new insurance practices and various regulations. Also I wonder if it is also a larger generation trying to receive care from a smaller populated generation.
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StacyAa Mar 13, 2026
I don't think it's that last thing. It's the lack of healthcare workers after the initial COVID crisis burned so many out, as well as many medical practices being bought out by private equity firms that "trim" the number of medical professionals in the practice to save themselves money. And insurance companies add to the chaos. I have a number of chronic illnesses and see several specialists, and I have to go outside of insurance to get good care and shorter wait times. Standard wait time for a neurologist in my area is 8 months to a year. Yes, you read that right. My neuro is private-pay, so her wait times are "only" three months. Fortunately we can (mostly) afford to do this, but our finances do take a big hit every year with my medical costs.

So it's just healthcare in America these days, regardless of generation.
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You say just that: that is a promise you can’t agree to because no one knows what the future holds. That you hope it never comes to that but you can’t make promises based on an unknown future.

And then change the subject.
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Right from the get-go I told my parents I'd be doing no hands on caregiving or cohabitating with them in their old age. As soon as my mother said the words, "we can live with YOU when we get old" I shut down that notion immediately and told them it would be Independent Senior Living, then Assisted Living or Skilled Nursing care as required. What I did promise was to always help them and be their advocates for life, which I did for over 10 yrs while they lived in IL, then AL and then Memory Care for mom.

Know your limits. Be honest. Tell your folks the truth now and save everybody a ton of headaches and tears later on.

Best of luck to you.
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Reply to lealonnie1
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You can make an agreement. You agree never to put them in a nursing home. Their part of the agreement is to not have a stroke, or dementia, or any number of life changing illnesses that will
require more care than you are capable of.
I know this sounds cold and insensitive, but I wanted to point out how absurd some of these demands and requests are. Who knows what will happen in the future. I would guess that if an adult child of elderly parents were hit by a bus, the parent's may have to seek care for the child.
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Reply to Sandra2424
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Fair or unfair, right or wrong, neither is viable position.
You feel you cannot do it all by yourself with them totally dependent on you. That’s a boundary you need and you must respect. Promising something you cannot do is not a viable option, I agree.
Don’t promise them what they want. Listen to them, find out what they are truly fearing. Is it inadequate care, lack of independence, missing you, fear of strangers, stories from past experiences of their friends and loved ones?
if you are the one who will be responsible for the decision making for each of them in the long run, get all the appropriate legal paperwork in place now for each of them. A minimum would include a will and a power of attorney for both health and personal property. The three of you together should consult an attorney who specializes in family estate law in the state where your parents reside. They may decide that one or two trusts need to be established now with appropriate terms to comply with each of their wishes. In addition, if one or both of them uses a computer to access anything, you need an up-to-the-minute document stating you can manage their online accounts (social, email, financial and more) perhaps including access to a very secure password manager application for the 3 of you to share if they want you to handle these things. You may need to go with them to each of their financial institutions in person to arrange appropriate legal access to their funds so you can pay their bills should one or both of them lose that capacity. Someone always needs to pay the bills and they should be paying their bills out of their own funds - not yours!!!
I also suggest that you try very hard to consolidate accounts into one or two financial/ brokerage houses and banks to simplify access, record keeping, decision making etc. You may need advice from both an estate attorney and a certified public accountant to make good decisions. As long as they are able, they should be calling the shots with you listening carefully to each of them for both the said and the silenced nuances.
Good Luck
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