Wednesday, May 22, 2013

Archive for August, 2009

Sibling Infighting: How Do You Recover?

The real work of families is recovery. In the volatile landscape of family systems, everything is exaggerated, both good and bad. One of the predictable “bad” events in the drama of aging parents is sibling infighting. It can be triggered by anything, but it is mostly about money, power, and affection. Once provoked, it extracts an emotional toll on the entire system that resists recovery. Here is a case in point.

A daughter and her husband step in to help organize and manage her widowed mother’s finances. The goal is financial sustainability. The plan appears to be working until her other siblings, the “local ones” who live close to her mother, intervene with their own advice and unspoken needs. Her mother is torn between competing children. In the end, she opts to relinquish control of her finances to the “local” siblings. Affection gives way to betrayal, and the siblings splinter.

As in Shakespeare, winners and losers never stay put. The local siblings’ victory proves short lived. Financial stability quickly unwinds and an urgent plea goes out to the rejected daughter for advice and, of course, money. “What are you going to do?” her husband asks. Indeed, now what?

Justice in families is tricky business. The rejected daughter was understandably angry and wanted justice. She refused her siblings’ request for more money, and for all practical purposes, went incommunicado with the rest of the family. Then she waited.

Nothing. No apology. No request for forgiveness. Her mother and the other siblings continued to smolder in their financial crisis, and then things got worse.

Her mother fell ill. The rejected daughter hesitated by finally flew home. It was worse than she thought. No one was capable of managing the situation. Money, hygiene, and morale were all about to run out. The rejected daughter was angry all over again that the an even bigger mess had been dumped in her lap. You?re the court of last resort her husband advises, the last lap available in the family. Step in or step out. Either way, I support your decision.

Being right is easy, but not a strategy for healing families. The rejected daughter opted to step in, not alone and not without conditions, but she did step in. A geriatric case manager was hired, money was managed through local trust company, and her mother was moved into an assisted living community. It wasn’t easy, and it wasn’t without confrontations, harsh words, and strict boundaries. But a fatal mess was reversed.

It turns out that recovery is not about happiness; it is about unmerited actions that families need, again and again to regain their balance and move on. In this case, it was about forgiveness, courage, self-sacrifice, and honoring an aging parent. And for this family, it came not a moment too soon…

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No Money: No Comment

I was recently asked what to do about aging parents who had little or no savings but refused to discuss any aspect of their “money issue.” It reminded me that our role as adult children is not necessarily about problem solving; it is about compassionate containment. So many of the issues we feel compelled to “fix” have no clear answers. The best we can do is sort out what to accept from what we can actually change. Here was the advice I offered:

The issue of money, like so many other issues in the last phase of life, is about control. The best way to approach it is to reframe money as means of maintaining control. Lack of money takes away control. This link will take you to an article I authored on “communicating touch choices” that offers a practical strategy for how to do this:http://www.aging.org/i4a/pages/index.cfm?pageid=2103&textonly=1

You may also want to consider three strategies that will help you “hedge” your parent’s financial risk:

1. Buy a long term care policy with a two years home care/two years nursing home benefit. This assumes they will cooperative with the process (i.e. signing the applications and answering questions).

2. Start funding a dedicated “side fund” for expenses that a long term care policy will not cover.

3. If you parents own their home, become familiar with how “reverse mortgages work and when they make sense.

Lastly, you need to began discussions with local area agencies on aging to determine what, if any, community resources can assist your parents if they run out of money.

This is a tough end-game, especially if you parents don’t want to talk about. The article will help you frame your conversations. Be patient but persistent in your discussions about control and your desire to help them maintain it.