Baby Boomers Moving In With Adult Children

Both sides can cut housing costs and swap child and elder care. But tensions are likely, too

By Emily Brandon

Posted: November 20, 2008

Sometimes adult children take in their parents to help them avoid going into a nursing home. Nancy Koppelman, 50, who teaches American studies at a college, moved her 79-year-old mother, Ruby Koppelman, a retired art therapist, into her family's home in Olympia last spring. Ruby Koppelman, who has Alzheimer's disease, goes to a program for seniors every day while the rest of the family is at work or school. "She's in a mental situation where she is still lucid and recognizes everyone that she loves, but her short-term memory is only about two or three minutes long," Nancy Koppelman says. "She would be fed and clothed and warm in assisted living, but she wouldn't be loved there. She is much more likely to maintain her mental health being with family." Koppelman and her husband, Steve Blakeslee, took out a loan to build an addition with a room and a private bath for her mother, which Ruby Koppelman pays back from her Social Security benefits and her pension.

Benefits. Nancy Koppelman enjoys watching her children interact with her mother. "The whole situation has forced us all to slow life down," she says. "It is really good for old people to have younger people take care of them who love them, and it is really good for young people to have to stretch themselves out of their own immediate needs. This forced them to think about someone else's needs as well."

Yet caregiving can put a lot of stress on family members, says psychologist Newman. "If healthcare needs are fairly extensive, you want to make sure you have someone to cover for you so that you can get out and are not on call 24/7," she says. The Koppelman family has had to adjust its schedule so that someone is always at home with the elder Koppelman when a paid caregiver isn't available.

Carolyn Nutt recruited her two sisters and brother to stay with her mother so she could go on vacation. "The hardest thing for me is trying to carve out some time for me just to get away," she says. "We just don't feel comfortable trusting a stranger in the house to take care of all Mom's needs."

Cramped living spaces can also lead to problems. A relationship with an overcritical or "guilt tripping" parent may be tolerable if you are living apart, but "it can become much more exasperating" in closer quarters, Coleman says. Even in the best situations, adults need their own space. Allegra Hinkle has her own bedroom and bathroom in her shared three-bedroom house, with private front and back entrances. "I think it's really important that you still have your own space that is just yours," she says. "When my door is closed, they knock on the door."

The rules. In a multigenerational household, it can often be difficult to know who is in charge. "You've got the traditional power structure of the parent having authority and the child saying, 'This is my house and what I say goes,'" Coleman says. Discussing house rules before a parent moves in can ease tensions. Figure out who will do the food shopping, cooking, laundry, other household chores, and child care—and how expenses will be shared. Hinkle typically cooks separately from the rest of her family; she has her own cupboard and shelves in the refrigerator. "Once in a while, we have dinner together or invite my daughter over and Courtney's son [from a previous marriage]," Hinkle says.

Each generation should also maintain its own social life. "If your parents don't have a social network, help them create their own so that they are not totally dependent on you for all interaction," Newman says. Places to find peers with similar interests include religious associations, community centers, and volunteer organizations.

Before a relative moves in, it might also be a good idea to decide what subjects will be taboo, perhaps politics or dating. "The parents start to make judgments about the lifestyle of their kids and tell the kids how to behave, and the kids start getting judgmental about whether the parents can date or not," Coontz says. Her advice: Each generation needs its own space and should respect the other's decisions.

Financial Resource for Care

To complicate the matters of trying to provide care is the issue of how to pay for it whether in our homes or ALF's. Lacking the finances reduces the choices that can be made. There is a little known VA Improved Pension available to veterans and their surviving spouses that can represent over $23,000 a year to help offset these costs and provide better choices. This is a Pension and is not Disability. Meaning that the veteran did not have to be injured during their time of service in order to be eligible. The Pension consists of Basic, Housebound and Aid and Attendance.

As the daughter of a WWII veteran, I discovered the Pension at the passing of my dad. I filed for the benefit on behalf of my mom as his widow and got the Pension awarded to her. If we had known about this Pension for the entire time they were in care for 9 years, it would have been over $160,000 to help pay for their care. Dad's pension left thousands owed each month that we as a family had to cover.

When my mom passed, I made a vow to somehow make a difference for another son or daughter as well as honoring the sacrifice of service to this country. I created veteranaid.org which is dedicated to educating and informing the general public. Improved Pension is the single most under utilized VA benefit. Millions have and still are missing out. I hope this information will make a difference for someone you love.

Debbie Burak of VA @ Sep 19, 2009 13:34:44 PM

cheap phentermine phentermine cheap phentermine

JgiMA5 Great. Now i can say thank you!

cheap phentermine phentermine cheap phentermine of CA @ Aug 02, 2009 11:04:51 AM

Ndlqeycc

45sudu

Ndlqeycc of NM @ Jul 14, 2009 23:38:58 PM

Add Your Thoughts
About You

advertisement

U.S. News Rankings & Research

Best Places

Search for the perfect place for you and your family.

Best Careers

Careers that offer strong outlooks and high job satisfaction.

Car Rankings & Reviews

Make an informed choice when shopping for your next car.

advertisement

Slide Shows

10 Hard-Hit Housing Markets Ready to Rebound

Even with home prices still falling at the national level, a number of markets are gearing up for a rebound.

advertisement

Subscribe

U.S. News Digital Weekly

A weekly insider's guide to politics and policy — in a multimedia, digital format. 52 issues for $19.95!

U.S. News & World Report

6 months of U.S. News & World Report's print edition for only $15. Save up to 67% off the cover price!