Reply to Is it ethical of me to cut off my 75 yo sister financially?

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[quote=Anonymous]OP, can you clarify - is this your sister or your aunt?

"...Further, my aunt is happy and content and does not feel endangered or unsafe.  AND "As trustee I was not given the responsibility to care for my sister. ..."

Not that it makes a lot of difference necessarily but it would be good to know if you are talking about an aunt or a sister.  If it is your sister we can assume you may be similar in age range, which makes your own situation relevant.  If it is your aunt then there may be significant age difference.

FWIW, I am in this situation with my brother who is also bipolar, has history of substance abuse, etc.  Thankfully he has no "roommate" but that can change in a minute if he meets some other lost soul and lets them move in.  He can be verbally abusive so I do have to deal with that.

He was sold our mother's house many years ago (upon her death) at a very small price and he could not take care of it. Within a short period of time it was foreclosed on and he wound up drifting for many years and eventually living in his car.

When he finally started getting social security he found a house he was able to rent. His SS covers the rent and nothing else. He gets a food stamp/subsidy which is enough for him to eat. I also got him qualified for dual Medicaid/Medicare since his income is so low.  When/if serious medical or care issues arise he is at least pre-qualified for Medicaid.

I (directly) pay for his utilities, car insurance for his 20+ year old car and some other essentials like clothing.  He does a few odd jobs here or there so he has a little bit of pocket money.

If he had a roommate who was abusive to me or if he somehow begins to have substance abuse issues again, I'd stop assisting him and would make it very clear to him why I'd be stopping.  I'm at an age where I cannot deal with it myself anymore.

If I were in your situation, I'd tell your aunt/sister that you have to sell the house.  With the help of local senior services, I'd find a place for her to rent WITH ONLY HER NAME ON THE LEASE.  Use any proceeds from the house to pay for her rent.  Sell it as-is.

If necessary, have authorities w/help of senior services move the roommate out.  It may sound cruel but the other woman has to fend for herself.

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