Reply to Worried I will be supporting my troubled (adult) brother

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[quote=Anonymous][quote=Anonymous]OP here - thanks for the great ideas so far!  Here's a little more info (didn't want to overwhelm with too much in original post).  My brother is trained as a chef, and is actually quite talented at cooking, but his issues and complete lack of executive function have kept him from keeping a job.  He does at least cook for my parents, which is actually a great help to them.  And I think he absolutely could and should be on disability because his [b]drinking has damaged his heart[/b], which alone should qualify him.  I've suggested it to my parents many times, but for some reason they haven't acted on it (my brother doesn't seem able to take on such things for himself).  I don't know if it's an emotional thing, that they just can't bring themselves to declare him disabled (though he clearly is), or that the logistics of it are overwhelming for them given everything else going on.  The family dynamics make it difficult for me to insert myself into current decisions about him, but I do think I need to push harder on that.

Whether or not they can leave him anything will depend on how long they live, as they're currently retired.  It's such a sad thing that if they live as long as I hope they will, it means more financial challenges for him some day, but[b] if they are able to leave an inheritance to support him (which I will try to ensure that I manage)[/b], it's because their lives were too short.

Thanks again for reading and replying![/quote]

Unless your parents are very wealthy, an inheritance may not be enough to support your brother for the long-term. Also, if your parents live to a ripe old age (hopefully), they may burn through their money, and there will be little left for your brother. He may be better off applying for and receiving disability and other benefits now, and not technically inheriting anything from your parents when the time comes. If he inherits, he'll almost certainly lose any benefits that he's receiving. You could always supplement his care and help provide for some of his extra needs with any funds you've inherited from your parents on his behalf. They may be turned off to making you the sole beneficiary. However, it may be the best financial option.

You said he has heart damage. Does he currently have healthcare?

I'm in a similar situation and can commiserate. It's a tough, touchy situation.

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