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Poll: More stressful to care for spouse than mom

LAURAN NEERGAARD
Associated Press

WASHINGTON (AP) — You promise “in sickness and in health,” but a new poll shows becoming a caregiver to a frail spouse causes more stress than having to care for mom, dad or even the in-laws.

Americans 40 and older say they count on their families to care for them as they age, with good reason: Half of them already have been caregivers to relatives or friends, the poll found.

But neither the graying population nor the loved ones who expect to help them are doing much planning for long-term care. In fact, people are far more likely to disclose their funeral plans to friends and family than reveal their preferences for assistance with day-to-day living as they get older, according to the poll by The Associated Press-NORC Center for Public Affairs Research.

And while 8 in 10 people who’ve been caregivers called it a positive experience, it’s also incredibly difficult.

“Your relationship changes. Life as you know it becomes different,” said Raymond Collins, 62, of Houston, who retired early in part to spend time with his wife, Karen. Diagnosed with multiple sclerosis 15 years ago, her mobility has deteriorated enough that she now uses a wheelchair.

Collins, a former business manager for an oil company, said he has felt stress, frustration and, at times, anger.

“The traditional vows are through sickness and health, for richer or poorer, for better or worse, etc.,” he said. “At the age of 25 and 32, you say those things and you’re high on love and healthy, and life is all in front of you. The meanings of those words are pretty much lost, even when you concentrate on them.”

Still, he said caregiving has strengthened his marriage commitment in ways he couldn’t foresee as a newlywed nearly 37 years ago.

While 7 in 10 who cared for a spouse said their relationship grew stronger as a result, nearly two-thirds said it caused stress in their family compared with about half among those who cared for a parent.

Caregiving may start with driving a loved one to the doctor or helping with household chores, but progress to hands-on care, such as bathing. Increasingly, family members are handling tasks once left to nurses, such as the care of open wounds or injections of medication.

With a rapidly aging population, more families will face those responsibilities: Government figures show nearly 7 in 10 Americans will need long-term care at some point after they reach age 65. Yet just 20 percent of those surveyed think it is likely they will need such care someday. Almost twice as many, 39 percent, are deeply concerned about burdening their families.

Contrary to popular belief, Medicare doesn’t pay for the most common types of long-term care — and last year, a bipartisan commission appointed by Congress couldn’t agree on how to finance those services, either. But the AP-NORC Center poll found nearly 6 in 10 Americans 40 and older support some type of government-administered long-term care insurance program, a 7-point increase from last year’s AP survey.

The poll also found broad support for a range of policy proposals:

–More than three-fourths favor tax breaks to encourage saving for long-term care or for purchasing long-term care insurance. Only a third favor a requirement to purchase such coverage.

–Some 8 in 10 want more access to community services that help the elderly live independently.

–More than 70 percent support respite care programs for family caregivers and letting people take time off work or adjust their schedules to accommodate caregiving.

–Two-thirds want a caregiver designated on their loved one’s medical charts who must be included in all discussions about care.

Oklahoma this month became the first state to pass the AARP-pushed Caregiver Advice, Record and Enable (CARE) Act that requires hospitals to notify a family caregiver when a loved one is being discharged and to help prepare that caregiver for nursing the patient at home.

Just 30 percent in this age group who say they’ll likely care for a loved one in the next five years feel prepared to do so.

Women tend to live longer than men and consequently most family caregivers, 41 percent, assist a mother. Seventeen percent have cared for a father, and 14 percent have cared for a spouse or partner, the poll found.

The tug on the sandwich generation — middle-aged people caring for both children and older parents, often while holding down a job — has been well-documented, and the new poll found half of all caregivers report the experience caused stress in the family.

But spouses were most likely to report that stress and to say caregiving weakened their relationship with their partner and burdened their finances.

Spouses are more likely to handle complex care tasks, on duty 24-7 with less help from family and friends, said Lynn Feinberg, a caregiving specialist at AARP.

Physically, that can be harder because spouse caregivers tend to be older: In the AP-NORC poll, the average age of spouse caregivers was 67, compared with 58 for people who’ve cared for a parent.

Virginia Brumley, 79, of Richmond, Indiana, cared for her husband, Jim, for nearly five years while he suffered dementia and Parkinson’s syndrome, care that eventually required feeding, dressing and diapering him.

“I think I loved him more after I started caring for him. I saw what a wonderful person he was: his (positive) attitude, his kindness, his acceptance of things,” she said.

But he lived his last 11 months in a nursing home because “I couldn’t handle him anymore,” Brumley said. “He was too big for me. He was as helpless as a baby.”

The AP-NORC Center survey was conducted by telephone March 13 to April 23 among a random national sample of 1,419 adults age 40 or older, with funding from the SCAN Foundation. Results for the full survey have a margin of sampling error of plus or minus 3.6 percentage points.

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Associated Press writer Stacy A. Anderson and News Survey Specialist Dennis Junius contributed to this report.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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