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Benefits Beyond Work

Changes at Home

Caring for Someone You Love

Taking on caregiving responsibilities can affect more than the person receiving care. Healthcare, protection, time away from work, household income, and longer-term financial needs can begin to intersect for the person receiving care and the people supporting them.

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What's changing

Here's what typically shifts.

Caring for a parent, spouse, partner, child, or another loved one can change responsibilities across an entire household. The first step is understanding what resources and benefits already exist before assuming something new is needed.

What to consider

Questions worth asking.

  • Existing Healthcare

    What healthcare coverage and benefits does the person receiving care already have?

  • Medicare

    Is Medicare relevant to the person receiving care, and what existing coverage may interact with it?

  • Long-Term Care

    Does existing long-term-care coverage or another applicable benefit exist?

  • Workplace Benefits

    Could either the person receiving care or the caregiver have workplace benefits or resources that may help?

  • Income & Time Away From Work

    Could caregiving responsibilities affect the caregiver's ability to work, or the household's income?

  • Protection

    Would an illness, disability, or death create additional financial consequences for the household?

  • Household Responsibilities

    Who is now responsible for financial, insurance, healthcare, or other important household matters?

Benefits you may already have

Start with what already exists.

Sometimes the most important first step isn't adding something new. It's understanding what is already available.

  • Existing healthcare coverage for the person receiving care.
  • Medicare coverage and any coverage that interacts with it, where applicable.
  • Workplace benefits available to the person receiving care.
  • Existing personal insurance already in force.
  • Long-term-care coverage or another applicable benefit, where it exists.
  • Caregiver workplace resources, including any benefits or support programs offered.
  • Household financial information and where it is kept.
  • Beneficiary information across insurance policies and financial accounts.

A life change doesn’t always mean you need new insurance.

Household considerations

Who else could this change affect?

Caregiving rarely affects one person alone. Responsibilities, coverage, and income can shift for several people at once.

  • The person receiving care, whose coverage and needs come first.
  • A spouse or partner, whose own coverage and responsibilities may change.
  • Adult children, who often take on coordination or caregiving duties.
  • Caregivers, whose work, income, and benefits may be affected.
  • Dependents and household income earners who rely on that income.

Relevant solutions

Given what's changing, here's where we can help.

Healthcare and legacy considerations usually come first. Medicare matters when it applies to the person receiving care, and retirement considerations can surface when caregiving affects retirement timing or retirement income.

Explore Medicare Education

Medicare education

Financial Relationship Manager

You don’t have to work out everything a change affects on your own. A Financial Relationship Manager helps you understand what is changing and what may need attention — so you don't have to figure that out on your own first.

Related life changes

Changes that often arrive together.

Caring for someone can create questions for the whole household.

Tell us what's changing and we'll help you understand what already exists and what may need attention.

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