Reply to filial responsibility laws - am I on the hook for my parent's health care costs?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]What is sad is then folks have to pay attorney's fees to fight/defend when they are sued. Money these folks do  not have.[/quote]

Agree. I hope the laws are overturned and declared unconstitutional. PA is nuts but sadly, it appears that other states are beginning to do the same thing. At the same time (this is OP here) part of me wonders if these are rarities that are being talked up a bit by elder care lawyers in the hopes of more business, yet it's clear that it's happening more and more. The standard reply seems to be to consult an elder care lawyer, which is not something we have the spare cash for at this point. Nor do I have money to or think it's right that I should have to take out a life or long-term care insurance policy (would be so expensive given their age and health status) on the mother I don't have much to do with.

I'm less concerned about being on the hook for my stepparent. While not impossible, that would be a HUGE stretch of the law, I think. (Certainly, I hope). After all, I did not marry him, nor did he ever adopt me. [/quote]

Don't bite off your nose to spite your face. If you can get a life insurance policy on your mom -- DO IT!
My mother did this for my father (HER EX-HUSBAND) a year before he died. She did it for me and boy did it help. She was able to get a low rate despite all of my father's health issues (he died a year later). I understand not wanting to shell out money for or on someone who is fiscally irresponsible -- stories I could tell you !! But you need to think about protecting yourself against any possible FUTURE outlay of money and if you have that insurance come in -- it will help with costs. Funerals are expensive, even cremations -- think about it as insuring your finances --not giving them money. My mom was telling me to do this for years, and I was hard headed. If I had done it when she first said it -- I would have had even more bills covered!! [/quote]

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