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Baby Boomers and Aging Parents – Six Tips to Prepare For Their Care
By Katie B. Marsh

Although there is some debate over the exact age range of the Baby Boom generation, the US Census Bureau identifies most Boomers as those who were born between the years 1956 to 1965. In any case, whether you were born within that time frame or fairly close to it, chances are you are beginning to deal with end-of-life issues regarding your elderly parents. Your many considerations run the gamut from the practical to the spiritual and everything in between. So, where do you begin?

Caregivers. Imagine if we ended our lives as babies, completely dependent on a caregiver tending to all of our needs: loving us, feeding us, changing our diapers. Imagine now that we are not as cute as little babies but still have the same need to be cared for gently with love and respect. Who would you want to take care of you in this situation? Who do your parents want to care for them? This question should be posed directly to your parents. Don’t assume you know the answer. What they may have said 10 to 15 years ago may not still hold true today as they are closer to facing their mortality.

Finances. As we know, in our society it’s considered impolite to ask someone about their finances. Many adult children hesitate to inquire about the exact state of their parents’ finances for fear that their parents will think that the real questions is about potential future inheritance money. But it’s extremely important to have an honest discussion about finances at this point in life. First of all, you need to know if your parents have long-term care insurance. This is the only type of insurance that pays for future assistance that may be needed in the performance of activities of daily living. And, as the name implies, it helps cover the cost of long-term care usually for an undetermined length of time. Long-term care insurance combined with your parents’ net worth, any financial assistance from family, and personal preferences will all factor in to determining where and how your parents live out their final years.

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