General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsI am going to start
but this is going to take awhile and I will need to update.
I am 76, my sister is 82. She is a retired professor of English specializing in Southern Literature. She has lived alone her adult life. She has never been more physically active than normal daily life. When she retired she moved to be close to my husband and me. We have a brother but he lives on Vancouver Island and has some health issues. We live in East TN.
Several months ago, I became aware that she was not paying her bills, not even opening her mail. I was already POA so I plowed through piles of paperwork to learn her finances. It was a lot. Put many bills on autopay and then learned about insurance and investments.
I took her car keys and she did not complain. I sent my POA paperwork everywhere needed.
I now pay her bills, monitor her investments and worry. I will say, she is financially secure. I do not worry about money.
Money has lost its meaning to her. She is content for me to handle everything.
On Memorial Day, she fell and broke her hip. She went to rehab and is now in assisted living they were generous to accept her, she is not independent enough. She has a caregiver who has been helping and will continue.
I sign paperwork, I make decisions. I am managing her life as well as that of my husband and mine.
This is a lot of work. I recommend people learn about someone's life before they are required to learn it quickly.
I jokingly said I would become a consultant. I could teach people what they need to know and do. I would charge $1000/ hr for this.
I now have to make sure her house and belongings are secure. It is something new every day.
stay tuned there will be updates. Thanks for listening.
malaise
(299,509 posts)Shes lucky
TNNurse
(7,562 posts)She and I did something similar for our mother, but there were two of us and that was 35 years ago. It is hard.
She has been a wonderful sister.
malaise
(299,509 posts)about parents and siblings dumped by family.
Those of us who really love and like our siblings and their kids understand commitment. Its a lifelong approach.
On the other hand, I try hard not to judge because a lot of folks reap what they sowed.
You are a good sister.
appalachiablue
(44,285 posts)would be of interest to people in the Seniors Group. I can cross post it there, just let me know.
Thanks, all the best and stay well.
yellow dahlia
(6,861 posts)SWBTATTReg
(26,511 posts)You're probably aware of this, but perhaps have someone lined up to take care of either of the two of you, should something (horrors) happen to either the two of you.
My best again, to you all. Being strong, being by yourselves, etc. is such a profound statement that 'HEY, I can stand do it'. So many of our elderly (including me, my folks, etc.) all wanted their independence until the absolute last second. Nothing wrong w/ that.
HAB911
(10,692 posts)I moved my brother from Roswell to "here" in 2012 and had to do exactly what you describe. I had him for three short years before he passed. My wife's sister passed three years ago in Texas without a will and we just closed on her house sale two weeks ago, long long story. It took me a long time to come to the realization that those of us that were always the youngest of the family are now all that is left, everyone has gone before. I'm there with you.
TNNurse
(7,562 posts)Our father died at 50, our mother at 76 (my age). It is exhausting. It is also scary to be responsible for her money.
malaise
(299,509 posts)She was 48. She would have been the only one under 70 today.
Response to TNNurse (Original post)
ForgedCrank This message was self-deleted by its author.
malaise
(299,509 posts)Thoughtful
Rec
MiHale
(13,277 posts)Family or neighbors
. Gotta watch out for each other.
stage left
(3,380 posts)and done that. It's not easy. First for my mother and then for my mother-in-law. I'm not the greatest with figures, but my husband was worse, and I managed. I wish you the best as you undertake this task.
stage left
(3,380 posts)But she is younger and has two fine devoted sons. I am fortunate to have my daughter here with me now that I'm a widow.
mwmisses4289
(5,125 posts)MerryBlooms
(12,563 posts)I'm 63 in a couple days, I care for my soon to be 83 y/o sis.
Sis is not literate, so has always had a POA. I'm local for medical and bills, second POA is banking and yearly medical insurance.
Type 2 diabetic, onset dementia, kidney disease, etc... it's a lot to take on.
Plus, I do the yard, cooking, cleaning and 13hrs a week outside our home. Omgosh, shopping and pharmacies some weeks lol
I have one sister come in for 3hrs 2xs a week now.
It's still a lot.
Hang in there, hon! 🥰🥰🥰
TNNurse
(7,562 posts)So far, I have been fortunate enough that she agrees with what I can make happen. I
MerryBlooms
(12,563 posts)Her roommate called and tried to grill me
That was some crazy
Take care of your issues in your house!
The more I didn't feed into gossip, the more the gal prodded
I don't have time, gotta go, love you
Exit
Just put sis to bed after shot, food, etc... Who got time for that nonsense
Hang in there
Do what's right for you 🥰🥰🥰
Try to rest
I'm struggling in that department these days
Do not take your phone into your bedroom.
Put something soothing on if you're PTSD, like me.
Take care of you best you can
If you go down, everyone goes down.
JMCKUSICK
(6,850 posts)to you and your sister.
TNNurse
(7,562 posts)in this position, it is best to know more from the start. I had to learn so much of what her expenses and assets were.
Also, we sold her car to her caregiver. When I cancelled her car insurance I learned that her premium for one year was almost $1000 more for one car, than ours was for three vehicles. Older people need someone to be involved...I was not paying attention to much.
BeneteauBum
(943 posts)As Im in my mid seventies, Ive planned a future to alleviate any burden on my family. My youngest has offered to be my caregiver if needed which I appreciate but hope to avoid.
I would hope that we boomers would have enough awareness to avoid interrupting the lives of our loved ones. Daunting to consider but I cant just party for the next twenty five years
.or more.
Peace ☮️
FakeNoose
(42,964 posts)We had a similar situation in my family, except for the fact that I'm the oldest of 9. So there are siblings to share the burden in my family. I'm 75 (oldest) and my next sister in line was diagnosed with fronto-temporal dementia when she was only in her mid- 40's. Her husband divorced her and gave her the house but not the kids, so she was on her own. This happened about 30 years ago, and my #2 sister was unable to take care of herself. Finances weren't an issue because her ex-husband still paid her support (even though it wasn't legally required). Long story short, my #3 sister gave up her job and social life in Pittsburgh, moved to New Jersey, and became the fulltime caregiver for the #2 sister. The other sibs tried to help out of course, but my #3 sister took on a huge responsibility. She's the only saint in our family, and every family needs a saint. May God bless you and keep you strong and healthy.
malaise
(299,509 posts)terms with the fact that we will reach a point where we cant cope and need to organize the paperwork before that time comes.
FakeNoose
(42,964 posts)In the case of my #2 sister, her children were too young and the ex-husband walked away. So no one ever thinks it's going to happen to someone in their 40's. But it's always a tragedy at any age.
We think we have time to plan ahead....
paleotn
(23,054 posts)East TN. My better half grew up in the Knoxville area. Farragut.
applegrove
(133,698 posts)Last edited Mon Jun 22, 2026, 02:35 PM - Edit history (1)
I quit work to be their cook, caregiver when they a few years after they moved from our old house and moved into assisted living. We had wonderful people as personal service workers so I was supported on all sides. We are very lucky to have my sister. I could not do what she does. My parents have both passed away and everything is taken care of so my sister can relax. Getting old is not fun but with great people in your life it goes more smoothly.
mahina
(20,830 posts)folks get ready for big changes in agency of our close people following loss of two years post her inlawsʻ passings. I hope you donʻt mind if I share here...Your experience is different as your sister is otherwise doing fine. Just in case it may help as many of the puzzling bits are the same though def to all.
Annette Kam, retired nurses at Kapi`olani Hospital (birthplace of President Obama,) wrote "Wait, Donʻt Die Yet."
https://annettekam.com
TNNurse
(7,562 posts)It is a big job and help is appreciated.
Fla Dem
(27,858 posts)WmChris
(821 posts)Until you're appointed to be one it seems simple. Once things get serious you find out how complicated the system is. You're going to be rewarded by knowing you were lucky enough to be of service to your sister in her time of need but it's real challenge fighting through all the layers of beurocracy. Many of us are in the same struggle trying to deal with aging relatives. She's a lucky lady to have you for a sister.
evolves
(5,889 posts)My brother and I did similar for our parents in the Memphis area for 8 years: he from East TN and me from Middle TN. It was tough, but felt like our last best gift to them.
Your sister is lucky to have you❤️
Wild blueberry
(8,416 posts)Thank you for your story and all you do for your sister. Please remember to take care of yourself, too.
You mentioned that she is financially secure, so I hope you can hire enough helpers to give you necessary breaks and so on.
Figarosmom
(14,606 posts)Finances for years before she died. At least it did help with the processing the estate after.
pfitz59
(13,050 posts)Not an easy task. Kept my Aunt out of pending financial collapse.
CrispyQ
(41,184 posts)She's lucky to have you but I hope you have a network of support, too!
Martin68
(28,281 posts)TNNurse
(7,562 posts)I probably should have said from the beginning that I was sharing because I was caught not being well enough prepared. I just thought I was prepared. I was not.
I realize that her being in assisted living is still new and I am playing catchup. But for example, today I have called the business from which she acquired a wheelchair. I had paperwork but was not at all sure how it had been rented. A very nice young woman explained they had billed Medicare and there would be bills for the copay...someday. Medicare pays 80/20 and will pay for a year and after that it belongs to my sister. None of that was on the paperwork. I have also gotten two phone calls from people involved with the facility needing extra information. They were reasonable. I look forward to the day when all the information is settled. I got a nice report from the Nurse Practitioner who saw her and she gave me some details.
Yesterday, I got money to the nice man who had continued to mow her yard even though she had not paid him in 3 months, he could not get her to answer the door.
Still need to get her mail forwarded to my house. If I don't go by every few days, her mailbox is filled with junk mail along with real mail.
I am sure that tomorrow I will have something else to handle.
For myself, I picked from our blueberries and blackberries this morning, cut the grass on the very small front yard that the mower my husband uses cannot maneuver. It was nice to manage normal things at our house.
We have good friends, I see a counselor and a niece and a cousin have sent me flowers thanking me for what I am doing.
When other issues show up, I will share, not asking for compliments but just including all that has to be done.
Thanks again, Alice Beth