Joyce had been a caregiver for her mother for more than a year, and she contacted me when she realized she needed help finding in-home care while she was at work.

“The pandemic has made things more difficult,” she told me. “My mom has had 2 home care aides in the past few months, and both of them had to quit because of their own child care issues. I do as much as I can, but I work full-time and can’t be with my mom every single day.”

While caring for aging parents can be a rewarding experience, it can also be a source of great stress. Balancing a job, a family, and caregiving tasks is a tall order for anyone. It’s normal to feel angry, frustrated, or resentful at times. It may seem that there are never enough hours in the day for you to meet your own needs. Or you may feel you’ve taken on more responsibilities than anyone else, and other family members just aren’t helping enough.

In addition, some seniors may, at some point, require financial assistance. This can be a double whammy for family caregivers; not only do they feel called upon to help financially, they may have to cut back on their own work hours (and take a pay cut) because of their caregiving responsibilities. While some employers offer access to elder care resources, many don’t offer paid time off for caregiving.

For many Baby Boomers who become caregivers, managing caregiving expenses is especially critical as they get closer to retirement themselves. Many people no longer have pensions from their employers, and surveys show that an alarming percentage of older adults haven’t saved enough to meet their own expenses once they leave the workforce. And while many people plan to simply continue working if they can’t afford to retire, employer layoffs, health problems, and other issues may arise that thwart these plans.

There are no easy answers. However, family conversations about finances, wills, advance planning, and long-term care insurance are important to have so that everyone understands what the options are, and can start planning for the future. Care managers, elder law attorneys, and other knowledgeable professionals can provide consultations and guidance on the state and federal programs that are available, as well as other resources that caregivers can tap into to assist their loved ones.

If you or someone in your family are facing aging challenges, please give us a call at 585-787-0009 or email us at We’ll be happy to assist!