Study Finds Higher Costs for Caregivers of Elderly
The out-of-pocket cost of caring for an aging parent or spouse averages about $5,500 a year, according to the nation’s first in-depth study of such expenses, a sum that is more than double previous estimates and more than the average American household spends annually on health care and entertainment combined.
Family members responsible for ailing loved ones provide not only “hands on” care but often reach into their own pockets to pay for many other expenses of care recipients, including groceries, household goods, drugs, medical co-payments and transportation. That nudges the average cost of providing long-distance care to $8,728 a year.
These caregivers, spending on average 10 percent of their household income, manage the financial burden by taking out loans, skipping vacations, dipping into savings or ignoring their own health care.
These findings and others, to be released today, came from a telephone survey of 1,000 adults caring for someone over age 50 who needs help with activities like bathing, using the toilet, preparing meals, shopping or managing finances. It is the first detailed look at out-of-pocket spending among the estimated 34 million Americans providing care for older family members or friends and builds on a 2004 study.
The survey was conducted by the National Alliance for Caregiving, a research and policy organization, and Evercare, a division of the UnitedHealth Group, which coordinates long-term care for 150,000 clients. The report urges government assistance for family caregivers, whether through tax deductions, tax credits or other stipends.
“Typically, when people talk about services for caregivers, they mean respite care, support groups and things like that,” said Gail Gibson Hunt, president of the National Alliance for Caregiving. “They don’t think of the financial side being tied into the burden. If you’re spending 10 percent of your income, that’s part of what’s weighing on you, and policymakers haven’t paid enough attention to that.”
Until now, all estimates of out-of-pocket spending were based on a single question buried in a broad 2004 survey of family caregivers, according to Ms. Hunt and Donna Wagner, a gerontologist at Towson University in Maryland who analyzed the data for the new report.
The 2004 survey, also the work of the National Alliance for Caregiving, had asked 1,247 caregivers to estimate their out-of-pocket expenses. Half said that they did have such expenses, averaging $2,400 a year.
By comparison, the new survey “” with 29 questions devoted to this one subject “” produced a markedly different result. Of the 1,000 respondents, only 2 said they had never laid out any money. The rest said they spent on average $5,531 a year, or 10 percent of their salary. The burden was heavier for those who earned less, 20 percent for respondents with incomes of $25,000.
Melissa Phillips, 45, a stay-at-home mother in Clayton, Ind., has spent $6,000 a year since her father moved from his own home into an assisted-living center, largely on groceries, incidental expenses and medical equipment like a wheelchair and a riser for the toilet seat. She helps out a bit with the monthly rent so his savings last longer and will pick up the slack if he runs out of money.
For Mrs. Phillips, a respondent in the survey, her present circumstances are an improvement over the 10 months before her father left his own house, when he was in and out of the hospital. She and her three children moved in with him, disrupting their home schooling, while her husband remained at home.
Costs ran higher then, Mrs. Phillips said, because she paid her father’s larger-than-usual utility bills, as well as gasoline and restaurant meals for her own family when she was running back and forth to the hospital.
But since Mrs. Phillips did not have a paying job, she lost no income “” unlike the 37 percent of survey respondents who had to quit work or reduce their hours because of their care-giving responsibilities. That compares with 16 percent in the 2004 research.
These are among other findings in the latest survey:
¶The most common expenses for caregivers are household goods and food (42 percent of respondents), transportation (39 percent), medical co-payments and pharmaceuticals (31 percent), clothing (21 percent), and home repair and maintenance (13 percent).