For more information about the author, click to view their website: Zac Brown Law
In 2025, caregiving continues to present an essential
public health issue in the U.S. as our population ages and chronic disease
prevalence increases. Family caregivers are providing indispensable support
that allows individuals to remain in their homes and communities, however their
contributions often go unrecognized — and unpaid.
With family caregiving on the rise, there is growing
recognition among voters, policymakers, and employers about the significant
challenges posed by caregiving and the need for solutions.
Two recently introduced bills and a proposed tax
credit for caregivers would make it easier for family caregivers to save for
retirement.
The $600 Billion Caregiver Crisis
Terms like “complex,” “inefficient,” “unfair,” and
“broken” are often used to describe the United States health care system. The
U.S. spends more per capita on health care than other developed nations; but despite
this, higher spending often does not achieve better outcomes.
The long-term care gap in this country’s health care
system is one of its most glaring shortcomings. The U.S. doesn’t have a
national program to help cover long-term care costs, leaving many families to
shoulder the burden and expenses associated with caring for family and loved
ones who need assistance with activities of daily living.
These “free” caregiver services come at a high cost. According
to an AARP report, family caregivers contributed 36 billion hours of unpaid
care per year in 2021 valued at $600 billion. This figure is a $130 billion
increase since a similar report in 2019.
One in five Americans — more than 53 million adult
Americans — are now unpaid family caregivers. That number increased by 9.5
million adults from 2015 to 2020 and AARP projects that by 2034, adults aged 65
and older, will outnumber children younger than 18 for the first time.
Caregivers, on average, spend more than $7,200 per
year out-of-pocket and 26 hours per week to care for loved ones. Many also face
the dual demands of employment and caregiving, which often includes caring for
growing children and aging parents, leading to the term “sandwich generation.”
Women are still disproportionately likely to provide
unpaid care while working full or part time, although more working men are
becoming caregivers. Others are forced to step away from work temporarily or altogether
to keep up with caregiving, limiting their career growth, job opportunities,
and retirement savings.
Voters, Politicians, and Organizations
Back More Caregiver Resources
Demographic and economic trends are creating a
situation for family caregivers that is unsustainable. Working-age Americans
are increasingly forced to choose between their own well-being and the
well-being of loved ones. However, more support could be on the way.
Two bipartisan bills — the Improving Retirement
Security for Family Caregivers Act and the Catching Up Family Caregivers Act —
were introduced in September.
The former would eliminate the income cap on Roth IRA
contributions and allow family caregivers to contribute up to $7,000 annually
toward their retirement savings, while the latter would allow family caregivers
to make catch-up contributions to employer-sponsored retirement plans, an
option typically reserved for those older than 50.
The National Strategy to Support Family Caregivers
plan, launched in 2022, outlines hundreds of specific actions to address the
physical, emotional, and financial needs of family caregivers. This past
September, the Department of Health and Human Services (HHS) released a report
stating that nearly all these actions have been completed or are in
development.
Additionally, a June 2024 poll found that 86 percent
of voters (92 percent of Democrats and 82 percent of Republicans) want
policymakers to support caregiving and make it more affordable. More than 80
percent of respondents said that they supported paid family leave, caregiver
tax credits, and employer incentives for caregivers.
To learn more about available financial benefits and support for family caregivers, please join Zacharia Brown Estate Planning and Elder Law at our upcoming complimentary events in Southwest Florida!
Carl is a Partner at Zacharia Brown with offices in McKeesport, McMurray and Wexford, PA and Bradenton and Pompano Beach, Florida. His practice focuses on assisting families with the legal and financial issues associated with long term and nursing home care. Carl has over 25 years of experience dealing with Elder Law and Estate Planning issues and creating planning strategies for families.
In addition to Pennsylvania, Carl has been actively licensed to practice law in the State of Florida since 1994.
He received his undergraduate degree from W&J College and his law degree from Duquesne University School of Law, where he was a member of the Duquesne Law Review and served on the editorial board.
He is a frequent lecturer on estate planning and elder law topics and teaches at Community College of Allegheny County, Penn State University, California State University and other colleges.
Carl has published scholarly articles in the Duquesne Law Review, the Pittsburgh Legal Journal, and is the publisher a book available on Amazon.com entitled “Good Long Term Care. How to Find it, Get it and Pay for it.” This book explains in layman terms the programs and systems available to families when a loved one requires long term care services.
Carl has been voted a SuperLawyer for the past five years and is a member of the National Academy of Elder Law Attorneys, Pennsylvania Academy of Elder Law Attorneys, the Life Care Planning Law Firms Association and the Allegheny County Bar Association, as well as a member of the Board of Governors for the Duquesne School of Law Alumni Association.
When it comes to choosing a senior living community, finding the right balance of personalized care, wellness, engaging experiences, and comfort is essential. At The Watermark at Marco Island, residents can enjoy a thoughtfully designed lifestyle in a beautiful setting while receiving support tailored to the way they want to live.A Place to Call Home on Marco IslandLocated at 1170 San Marco Road in Marco Island, Florida, The Watermark at Marco Island offers assisted living and memory care in a welcoming residential environment.The community is designed to provide more than just a place to live. Here, personalized care is complemented by opportunities for wellness, enriching daily experiences, social connection, and chef-prepared dining.For seniors and their families, that means having support available while maintaining independence and enjoying the lifestyle that makes each day meaningful.Personalized Care Designed Around YouEvery resident has unique needs, interests, routines, and preferences. The Watermark at Marco Island takes a personalized approach to care, creating support around the individual rather than expecting residents to fit into a one-size-fits-all model.Whether a senior needs assistance with daily activities or specialized support associated with memory care, the goal is to help residents feel comfortable, confident, and engaged in their surroundings.This thoughtful approach allows families to have greater peace of mind while their loved ones enjoy a community designed around their well-being.Wellness and Enriching ExperiencesLife at The Watermark at Marco Island extends beyond care. The community incorporates holistic wellness and enriching daily experiences designed to encourage residents to remain active, connected, and engaged.Common areas provide opportunities to socialize with friends, participate in activities, enjoy hobbies, or simply relax in a comfortable environment. From a game of pool to sharing a meal or spending time with neighbors, residents have opportunities to make each day their own.The emphasis is on supporting the whole personmind, body, and spirit.Dining Made From ScratchGood food is an important part of a fulfilling lifestyle, and dining at The Watermark at Marco Island is designed to be an enjoyable part of each day.Residents can experience chef-prepared meals made from scratch, offering the opportunity to enjoy delicious food while dining in a social and welcoming environment.Meals can be more than simply meeting nutritional needsthey can provide residents with another opportunity to connect, celebrate, and enjoy the pleasures of everyday life.Comfortable ResidencesThe Watermark at Marco Island offers thoughtfully designed residences intended to provide comfort, privacy, and a sense of home.Bright interiors, comfortable furnishings, and inviting living spaces create an environment where residents can settle in and feel at ease. Families can visit and spend quality time with their loved ones in a setting that feels warm and welcoming.The community's design also provides convenient access to shared spaces where residents can socialize and participate in daily activities.See Your Day HereChoosing senior living is a significant decision, and seeing a community in person can make all the difference. A personal visit allows seniors and their families to experience the environment, explore the residences, learn about available care, and get a better understanding of everyday life at the community.The Watermark at Marco Island invites prospective residents and their families to step inside, tour the residences, and picture what their day could look like here.To schedule a personal visit, call 239-999-4601.The Watermark at Marco Island1170 San Marco RoadMarco Island, FL 34145WatermarkMarcoIsland.com
Moving a parent to senior living is rarely just a move. It is an emotional transitionfor the older adult, the family, and often the person making the decision.Families may feel guilt, sadness, fear, relief, and even uncertaintysometimes all in the same day.A daughter may think, Am I doing the right thing?A son may wonder, Will Mom think Im abandoning her?And a parent may be thinking, Am I losing my independence?These emotions are normal.As senior living leaders, our responsibility goes beyond providing a safe apartment, meals, activities, and care. We have to care for the emotional journey that comes with the transition.Its not about taking independence away.Its about helping redefine what independence looks like.Sometimes independence means no longer worrying about cooking, cleaning, medication management, or being alone. It means having people nearby, opportunities to socialize, and support when it is neededwhile still having choices about how each day is lived.Families need reassurance, not judgment.The decision to move a parent is often made after monthsor yearsof difficult conversations, falls, sleepless nights, increasing care needs, or simply realizing that living alone isnt working anymore.Families dont need someone to make them feel guilty.They need someone to say:Youre not failing your parent. Youre helping create a safer, more supported chapter of their life.The first days matter.A successful transition isnt just about getting someone moved in.The process starts before they move in. Person Centered Selling truly makes a difference from an average senior living to a fantastic senior living. It is about learning who they are.What makes them smile?What did they do for a living?What music do they enjoy?What foods do they love?Who are the important people in their life?What makes them feel comfortable?When we know the person behind the resident, we can begin creating a sense of belonging, not just care. And sometimes the greatest measure of success isnt the beautiful apartment or the activity calendar.Its when a family member says:I havent seen Mom this happy in a long time. That is priceless! That is when we know the transition is becoming a new beginning.From a senior living leaders perspectiveI have learned that families arent simply looking for a place for Mom or Dad.They are looking for peace of mind.They want to know their loved one is safe.They want to know someone will notice when something isnt right.They want their parent to have friends.They want to be a daughter or son againnot a full-time caregiver.And most importantly, they want to know:Will you love and care for my parent when I cant be there?That is the promise behind great senior living like Springwood Court. Because at the end of the day, we arent just helping someone move into a community.Were helping a family move into a new chapter and season of their life, one filled with support, connection, dignity and love.Fran Gray RNExecutive Director Springwood CourtAssisted Living12780 Kenwood LaneFort Myers, FL33907239-278-0078
Naples, Fla. Behind Naples' image as one of Florida's most affluent communities lies a growing and often invisible crisis: a rising number of seniors who can no longer afford both groceries and essential bills. As Collier County's population continues to age rapidly, local hunger-relief organizations are reporting that older adults are becoming one of the fastest-growing groups in need of food assistance.A County Growing Older, FasterCollier County is already one of the oldest counties in Florida, with 36 percent of residents age 65 or older a figure expected to climb to 46 percent by 2050. While the county's overall poverty rate sits at roughly 10.7 percent, a closer look reveals a more troubling picture for older adults: nearly a third of Collier County seniors live below the ALICE Survival Budget threshold, the income level required to cover basic necessities such as housing, food, transportation, and health care. For a single older adult, that threshold is $26,680 a year; for a couple, $45,564 figures that fall far short of what many face in a high-cost coastal market like Naples.Many of these seniors live on fixed incomes from Social Security or modest pensions that have not kept pace with rising housing and condo fee costs, property insurance premiums, and medical expenses. Meals of Hope Seeing the Shift and The Glenview at Pelican Bay is Ready to HelpUnlike younger families facing food insecurity, senior hunger often goes unseen. Many older adults are reluctant to ask for help due to pride, limited mobility, or simply not knowing where to turn. Meals of Hope, the Naples-based hunger relief nonprofit founded by President and CEO Stephen Popper in 2007, is one of the organizations seeing this shift firsthand and The Glenview at Pelican Bay has a personal connection. Stephens mother, Christine Popper, who is a current resident at The Glenview at Pelican Bay and a former nurse, came up with the idea 19 years ago. My mother saw a need to support a school in Haiti but found that the children couldnt learn because they did not have enough to eat, remarked Steve, I did some research, learned about meal packing opportunities, and hosted an event in Naples in August 2007 where 500 volunteers showed up to pack 135,000 meals. That event was life-changing, and Meals of Hope was born. The Glenview at Pelican Bay is a willing and regular packing partner and the next Meals of Hope event will take place on Monday, August 24 at 1pm. The press is invited to watch the process. Now the largest food pantry network in Southwest Florida, Meals of Hope operates roughly 21 weekly food pantries across Collier and Lee counties and distributes more than 125 million meals each month, serving approximately 4,000 families a week. Popper notes that older adults on fixed incomes are showing up in growing numbers, often for the first time in their lives, as inflation and rising local housing costs erode the purchasing power of Social Security checks.How The Glenview at Pelican Bay Is RespondingBesides housing the idea person behind this effective community service, The Glenview at Pelican Bay partners with Meals of Hope regularly with residents who volunteers hundreds of hours of time to organize, sort and pack meal boxes. They will be doing it again this month on Monday August 24 at 1pm. We feel it is important to support our community in every way, adds Daniel Gomez, Glenviews Executive Director, We are so proud to have Mrs. Popper among our residents and it has become something our residents and staff look forward to helping with.It will be a family affair for the Poppers as Christine, her son Steve, his wife, their children and her grandchildren will be among the volunteers. Notes the Matriarch Christine Popper, It is a wonderful way to teach our children about community service and I get a nice visit out of it as well. I am so grateful for The Glenview at Pelican Bay and how they readily embrace helping the community.In addition to regular packing events, Meals of Hope has expanded its infrastructure and reimagined how it reaches vulnerable seniors and families, including:A new 18,000-square-foot distribution center in Naples, featuring more than 9,000 square feet of refrigerated space to store fresh produce, proteins, and dairy at a much larger scaleYour Neighborhood Pantry, a mobile "choice" pantry launched with support from the Collier Community Foundation, where residents walk through and select their own groceries including fresh produce, dairy, eggs, and proteins preserving dignity and reducing wasteNeighborhood-based mobile pantries, including a location at the River Park Community Center currently serving close to 100 families per week, with room to grow to 160A Home Delivery Initiative aimed at reaching homebound residents in Immokalee and Golden Gate who face transportation or mobility barriers that a traditional pantry can't solveThe Hunger to Hope capital campaign, which has raised $2.8 million toward a $4.5 million goal to fund long-term infrastructure behind this workStarting and watching Meals of Hope grow and help so many people has been life changing for me and my family, Steve added. And, it just goes to show, listen to your mother because she knows what is right. About The Glenview at Pelican BayThe Glenview at Pelican Bay is Naples' only equity-ownership LifeCare community, offering residents a rare combination of financial security, resort-style living, and access to award-winning care all within one of Florida's most desirable coastal settings. Managed by Life Care Services (LCS), ranked No. 1 in customer satisfaction among independent senior living communities by J.D. Power, The Glenview delivers an exceptional standard of living at every level. Residents enjoy chef-driven dining and a rich calendar of activities and enrichment programs, all steps from home. For those who need it, Premier Place the community's on-site health center provides a full continuum of care. For more information, visit glenviewnaples.com or call (239) 977-9744.
Zacharia Frey - Estate Planning, Elder Law & Asset Protection is a Southwest Floridabased law firm dedicated to helping individuals and families protect what matters most. The firm focuses on estate planning, elder law, and long-term care strategies designed to preserve assets, minimize risk, and provide peace of mind.With decades of combined experience, the team delivers personalized legal solutions tailored to each clients financial situation, family structure, and long-term goals. Services include wills and trusts, probate and estate administration, Medicaid planning, guardianships, and comprehensive asset protection strategies.What sets Zacharia Frey apart is its holistic Life & Care Planning approachgoing beyond traditional legal services to address healthcare needs, long-term care costs, and overall family well-being. Clients benefit from clear guidance, proactive planning, and a client-first approach that prioritizes long-term security and confidence in the future.
Zacharia Frey - Estate Planning, Elder Law & Asset Protection is a Southwest Floridabased law firm dedicated to helping individuals and families protect what matters most. The firm focuses on estate planning, elder law, and long-term care strategies designed to preserve assets, minimize risk, and provide peace of mind.With decades of combined experience, the team delivers personalized legal solutions tailored to each clients financial situation, family structure, and long-term goals. Services include wills and trusts, probate and estate administration, Medicaid planning, guardianships, and comprehensive asset protection strategies.What sets Zacharia Frey apart is its holistic Life & Care Planning approachgoing beyond traditional legal services to address healthcare needs, long-term care costs, and overall family well-being. Clients benefit from clear guidance, proactive planning, and a client-first approach that prioritizes long-term security and confidence in the future.
Zacharia Frey - Estate Planning, Elder Law & Asset Protection is a Southwest Floridabased law firm dedicated to helping individuals and families protect what matters most. The firm focuses on estate planning, elder law, and long-term care strategies designed to preserve assets, minimize risk, and provide peace of mind.With decades of combined experience, the team delivers personalized legal solutions tailored to each clients financial situation, family structure, and long-term goals. Services include wills and trusts, probate and estate administration, Medicaid planning, guardianships, and comprehensive asset protection strategies.What sets Zacharia Frey apart is its holistic Life & Care Planning approachgoing beyond traditional legal services to address healthcare needs, long-term care costs, and overall family well-being. Clients benefit from clear guidance, proactive planning, and a client-first approach that prioritizes long-term security and confidence in the future.