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The Oldest Daughter Dilemma

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AUTHOR: Cathleen Toomey on 12/14/2024

One of the most well known advocates for elder care, who worked for a prominent national health center, was talking with me about a year ago.  When I asked him what his plan was for he and his wife, as they aged, he replied “ I have four daughters”.

This was pretty shocking to me, given that he worked in this industry, and specialized in helping adult children and their parents to talk about future health care planning. I thought he of all people would be a bit more enlightened as to other options he could choose.

Yet this is a common response and expectation by my parents’ generation.  First, our parents assumed that they would not live much longer than their late 60’s, similar to their parents’ generation.  Second, they assumed that one day, they’d “wake up dead” – just pass away in their sleep, another expectation from their own parents. And finally, if they needed help, they’d call on the daughter.

Now maybe my specialist friend had talked to his daughters, and they were ok with the plan. All I know is that these days, when I get together with my women friends, the topic of their parents’ care has come up.  Every. Single .Time.  I am the poster child for the adult daughter solution, and they have no interest in repeating my experience.

You see, I am an oldest ( and only daughter), and am an example of the “oldest daughter solution”. Although I worked in the aging industry for 18 years, and had a wealth of knowledge about options, my parents weren’t interested in my expertise.  They rejected the idea of a non-profit Continuing Care Retirement Community out of pride (“we don’t want to live with old people” said the 80 year olds).  When they decided to move closer to me, they didn’t choose a one floor condo in a friendly neighborhood; they chose a large 1800s Victorian that needed extensive renovations, on a busy street.

When my father became increasingly ill, the management of health care, doctor’s appointments and medication management fell to me, as my Mom has cognitive loss.  We started getting in-home care, which I managed, and when we had call outs or no shows, I left work to cover the shift.

It’s wonderful that we now have longer life expectancy, and most people are seeking a long health span, not just a life span.  As they say, people want to “live long and die short”, not live many years with chronic disease. Yet, as we know, 80% of older adults have at least one chronic disease; 68% of them have two chronic diseases, and the management of medication and symptoms can be challenging. Dementia is a chronic disease that can last many years.

Back to me.  At one point, it became apparent that even being 10 minutes away in the same town was too far, given the ever-changing roster of caregivers.  A few years ago, I sold my home and moved in with my parents, to more directly mange the growing number of midnight ambulance calls, hospitalizations and no show caregivers.  I am not the only sibling – my four brothers all helped and continue to help, but it remains a clear familial expectation that this is my responsibility.  As it turns out, I am not unique – I am one of 53 million Americans who are working and providing unpaid care to an older adult. Today, one in five working adults are also caring for an older family member, and that number is expected to continue to increase, as 10,000 people a day turn 65, and the cost of personal caregivers has escalated, while the availability of such caregivers has decreased.  For many people, there is no other option than family.

What most people don’t realize is that there is a defined decrease in the caregiver’s health.  Recent studies have shown that family caregivers experience an increase in mental health issues, such as stress and depression, along with an increase is physical challenges such as obesity, asthma and COPD, among others.  They are often passed over for promotion, due to the “distraction” of caring for someone outside the home.

In many cases, due to the cost of caregiving, the only option is for family to step in.  But when finances are not an issue, it seems foolish not to make a plan with your partner, family or friends, as to what you would prefer to do when you need care.

A friend of mine has started a “Pre-Dead Social Club” to get people to talk about what they wish for and what their intentions are when they pass away.  I love her theme – she says that most generations have approached death “ unprepared, in denial and unable to advocate for themselves”. I think that describes most people’s perspective on aging and poor health – that they are unprepared, in denial and often unable (in a crisis) to advocate for themselves. I believe that we can do better than this.  We can do more about our future health care needs than say “I have four daughters”.

Do yourself, your daughters, your sons, and your friends a favor – begin to think about your own plan today.  We can do better.

Catheen Toomey is a consultant on aging for individuals planning their best future life.  Host of the podcast Seniority Authority, she is passionate about helping people get smarter about growing older.  She is a TEDx speaker and has close to 20 years of experience in long term care, as well as a career in marketing for brands such as Timberland, Stonyfield Farm, Babson College and Bentley University. She can be reached at cathleen2me@gmail.com.

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Bill C
22 days ago

Good post Cathleen. I would only add that in some circumstances/families, the late stage elder care may happen to pass on to the oldest child in the family which could be the oldest son (happened to me!). I happened to be the only retiree amongst my parent’s children when both my parents started experiencing significant health declines at the same time- they figured I had the time because I was retired!

I found the information in your post somewhat eye opening, and also spot on in many respects. I’ve been supporting both or at least one of my parents going on 5 years now…

My wife and I plan to utilize a CCRC setup when one or both of us may start to suffer medical declines. We hope to make the choice to enter one for ourselves, and not be asked by our daughters to consider the move. We see the challenge in doing so will be getting the timing right due to many CCRCs in our area having long waiting lists. We expect both our daughters (we have no sons!) will be involved in some aspects of our support if we have a slow decline in health as we’ve seen with my parents. One day at a time…

mytimetotravel
22 days ago
Reply to  Bill C

If wait lists in your area are long, and you are already retired, now is the time to get on one or more lists. They will not get any shorter as baby boomers continue to age. Deposits are usually refundable. In addition, most CCRCs require you to be healthy enough to start in Independent Living. You can expect to have to pass both a medical and financial check. I suggest reading the threads linked below.

baldscreen
23 days ago

I finally got a chance to read this and all the comments. First of all, thank you Cathleen, for such a wonderful post. It is so important. And reading the comments, we are in the same situation as some with parents who are stubborn. And, the comments made about caregivers and burnout. We are concerned about the wife of Spouse’s brother with ALS, who is caring for him at home in this last stage. She is a heart patient herself and we worry about what if we lose her as well as him? I hope we can continue the discussion. Also loved the comments about CCRCs. Chris

William Dorner
24 days ago

Well presented article, and so true. Some said it is selfish to think only of yourself in that you want to live out your life in your home, and I fully agree. They do not want to live with a bunch of old people, well very interesting. We chose the CCRC life, average age is 82, but we are NOT old, we are vibrant well wishing, kind and helpful people, enjoying life and not being a burden to our children. In my situation we have Independent Living, Assisted Living, Memory Care and Skilled Nursing Care, that covers your journey to death. You have to agree we will ALL die and pay taxes.

Sure you can live in your home, but you should NOT expect your children to be your primary caregiver. If you stay in your home, then you have to be responsible, hire people to cut the grass, have a handyman to care for other house needs, etc.

OK, some claim they cannot afford to live in a CCRC, those are the ones who need to discuss a future plan that can work for all. I love being near our children and they help us with things here and there, but to be a full time care giver, that is totally selfish on the home owners that will not incorporate a better plan with their children or others.

I know we are very fortunate to be with welcoming kind people, and have more activities than a cruise ship. Life is what you make it. You need to take one day at a time, and to do what you can, and not complain about what you cannot.

DrLefty
24 days ago

I am both a parent and an oldest daughter. My mother’s “plan,” to the extent she has one, is that her partner (a younger man) and her three adult children will provide care or at least financial help to pay for it.

As a parent myself (daughters ages 35 and 30), the last thing I want for them is to be burdened financially, physically, or emotionally with my care. I want them to live happy, whole lives and to be financially secure when I’m gone and they’re older themselves.

I think for an aging parent to blithely assume that their adult children should/must blow up their own lives and maybe finances to care for them so that they don’t have to leave their homes and/or “live with old people” is the absolute height of inexcusable selfishness. I’m not talking about people who truly have no other options or resources. I’m talking about those who do have options but just selfishly refuse to consider them. I hope that if I live to that stage of life, I do better than that. That’s the plan, anyway.

Steve Spinella
25 days ago

At 68 with a 66 y.o. wife I know that the intensifying journey of care for her parents has now lasted over a decade, and it is not yet done. I also strongly suspect that it is impacting our own health as a family and especially that of my wife. Is it also building character, resilience, and other good things in her and all of us? I hope so. There is good reason to believe it might.
Still, finding the right balance is never easy.

Eileen OHara
30 days ago

Cathleen, many thanks for this post. Like others, the theme of caregiving runs through most of the women for generations in my family. My maternal grandmother left high school in the 1920s to care for her younger siblings when her mother died. She then welcomed 3 nephews and nieces along with her 2 girls when their mother died young (their father, her brother, failed to support them so family- Mae-stepped in). Then she also cared for three elderly aunts without resources who came to live with her during the 1930s and 1940s. At least it was a big duplex house.
Fast forward generations: my great Aunt inherited the property, which then proved a respite to my own family when my father, a robust Marine vet, suffered a stroke at 36 – with seven children, six boys and one girl (me) under age 10. For 30 years my mom, a trained nurse, worked full-time and took care of my disabled father and then my great aunt as she aged.
I felt the history of that house as my mom grew older within the past 6 years. I lived 1000 miles away but remained active in her care with frequent visits and monthly financial support for a cousin to help every day. I was blessed – my older brother became the hands-on caregiver without complaint; my mom also benefitted from the PACE program with at-home support. My other brothers added help (with more nudges).
Now I look at my own generation. My older brother who provided such devoted care is single without the resources to join a CCRC. I have started discussions with him about the future – he deserves such support. Several other brothers are single as well without children. As the only sister, the challenge is to figure out options and create some type of plan to support siblings too.
A daughter, a sister, a planner. Fingers crossed.

Linda Grady
30 days ago

Many of my single, older female friends like the idea of moving to a CCRC that is affiliated with our religion and is close enough to our town that we can easily visit our friends who have already moved there. In my own case, it’s more likely that I will sell my house and move to a studio very near my only daughter and pay for in home help. I’m careful to keep up my long term care insurance premiums. My mother in law moved into a beautiful assisted living facility after she began to have mild strokes which caused increasing disability. I would be okay with that solution. Her oldest son lived nearby, was already retired and visited nearly daily.

mytimetotravel
30 days ago

On a lighter note, I am reminded that Margaret Maron, a mystery writer who lived in NC, once wrote a novel featuring caregivers. Although I seem to remember that one of them was male, the title was “Designated Daughters”.

S
S
1 month ago

I have a single 80+ year old aunt who has made zero arrangements for declining health challenges. She has had three operations and many trips to the ER in the past two year. She has many nieces and nephews but relying on three female nieces she still talks to. Problem is we all live 1-1/2 hours away. Of course I will help a family member but she has no plan and refuses to talk about it. We lurch from one crisis to another. If I am going to be part of her “solution” I need to be part a plan. She refuses to talk about it. I’m stuck, not wanting to abandon her.

Dan Smith
1 month ago

Cathleen, thanks for this enlightening post. This and past posts from contributors such as Jonathan and Kathy (MyTimeToTravel) have planted the CCRC seed into my brain. 

Last edited 1 month ago by Dan Smith
Rick Connor
1 month ago
Reply to  Dan Smith

Me too!

kristinehayes2014
30 days ago
Reply to  Rick Connor

Me three!

Rick Connor
1 month ago

Cathleen, thanks for a great article. My wife and I have lived much of what you describe. My wife is a “world-class” older daughter, having taken great care of her parents, my parents, and a widowed aunt. At 67, we are trying to plan to lighten the load on our sons and their spouses if and when the need arises.

John Yeigh
25 days ago
Reply to  Rick Connor

Ditto. My wife is also a “world class” older daughter that nicely managed the decline of our four parents. Five of the ten years were, at times, tough on our family still with teenagers.

Last edited 24 days ago by John Yeigh
jerry pinkard
1 month ago

Nice article Catheen. You were talking to us. My wife is 82 and I am 80. We still live in our ranch style home of 51 years. We want to live out our lives in our home. Our son lives nearby and can take care of needs around the house that are beyond my ability. But he still works full time and cannot provide other care when it becomes necessary. I am in good health (for an 80 year old) but my wife’s health is not good.

Our daughter lives 4 hours away and has a special needs child. She would do anything for us, but she already has a full plate.

One option would be a facility that provides living styles ranging from independent to SNF, but as you said, we do not want to live with a bunch of old people.

Last edited 1 month ago by jerry pinkard
1PF
30 days ago
Reply to  jerry pinkard

One of the best things about my move to a CCRC has been revising my former view of “the elderly” as an undifferentiated group and experiencing just how active and interesting the individual residents are. I’ve been here since 2021, and I’m learning something new about or from someone nearly every day.

mytimetotravel
1 month ago
Reply to  jerry pinkard

The facility you are talking about is a Continuing Care Retirement Community, or CCRC, as Jonathan and I wrote about. I live in one.

“we do not want to live with a bunch of old people.”

Sigh. You are old people, and have been for 15 years. That doesn’t mean you can’t still work, travel, volunteer, spend time with all sorts of people. That depends on health and wealth, not age.

At my CCRC some people still work, part or full time. A lot of them travel. Some have second homes. Earliest age at entry is 62, and a spouse can be as young as 55. You wouldn’t be the oldest (one resident just turned 101) but you certainly wouldn’t be close to the youngest.

Also, people in CCRCs often have adult children, and grandchildren. They visit. There are events specifically for younger children.

Meanwhile your son, who works full time, is maintaining two houses. At the least you need to investigate your options and get on some wait lists. You generally need to start in Independent Living, and the wait lists at good CCRCs are years long. What is your plan if one of you falls and breaks a hip? Has a stroke? Develops dementia? For the eventual surviving spouse? There are ways to stay put but they require money and organization.

Last edited 1 month ago by mytimetotravel
Jonathan Clements
Admin
1 month ago

Thanks for the post. We can indeed do better. My mother opted a handful of years ago to move into a continuing care retirement community, and it really is a gift to her four children.

mytimetotravel
1 month ago

I am participating in a thread on another forum on this very topic (it’s a closed forum so I can’t link it). Most of the posters are seniors. There is a depressing tendency to think that because they know one or two people in their 90s who are fit and active that they will live that way. (Too much anecdote, not enough data.)

Recommendations for CCRCs fall on deaf ears. As they have to some extent here. I just posted there that according to the Alzheimers Association 83% of the care for older adults in the US is unpaid. Also, a third of over-90s in the US have some form of dementia.

As I have said here before, a move to a CCRC is the best gift you can give your kids.

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