Tuesday, May 21, 2013

The First Cousin

I grew up amid a herd of cousins, surrogate brothers and sisters who were embedded in my childhood. Operating as life scouts, they lived a few years ahead of me on the dangerous and uncharted perimeter of the adult world. One by one we all transmuted into adults with careers, families, kids, and aging parents.

In most cases, our aging parents passed on when we well on our way in middle age. With each loss, our world became more sober as the reality of being “next” in line collided with the world of sixty-something. But a new emotional tipping point in the drama of being older occurred with the unexpected death of the first cousin.

It’s not that we hadn’t experienced the loss of peers in childhood or as young adults. And then after fifty, the news of friends, friends of friends, and people we simply knew about being suddenly gone began occurring with a prophetic regularity. While it was disorienting and disturbing, it initially spared our family network of adult children. But when the first cousin of the surviving herd died at sixty-something, all that changed.

While it was a single loss, we knew it was a cautionary tale about our generational position and predicament. Despite the density of our modern lives, we could no longer afford to ignore this new vulnerability, a realization that haunted our awareness. We knew we were never going to reclaim the frequency or closeness of childhood. That was another life that had served us well, but was gone. We also know that the meaning and import of our early years now took on legacy proportions with the threatened loss of its primary players. We felt compelled to undertake a “cousin audit” of the history that defined so much of our early family life.

We spoke out loud about what meant the most to us and why. We disagreed about chronology but respected personal importance. We confessed our bias, preferences, blind spots, selective memory and the out and out rewriting of history. But most of all we saw, from the end of middle age, how complicated life was for our parents, like it or not. We didn’t gloss over the unsavory and pathological events we would have gladly avoided, but the easy assessments of “they could have done better” lost its steam. Life turned out to be hard for everyone, including us.

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1 Comment

  1. Comments  Steve Gammill   |  Thursday, 15 December 2011 at 1:06 pm

    David, thanks for another wonderful post. I appreciate your being a national leader in the right way to create and preserve our legacy. A revelation in your last paragraph, “We spoke out loud about what meant the most to us and why,” has been the focus of my estate and legacy planning practice. It is always refreshing to read articles by others who recognize value as you do. http://stevegammill.blogspot.com

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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.