Last month, our local newspaper printed an editorial pitching a caregiver tax credit. They ominously stated that there was “a reckoning coming” because the state's (and country's) population was growing older and with increased longevity came higher levels of infirmity. Older residents required more medical care as well as more help with daily living and in the vast majority of cases, that care fell on family members.
The editorial further stated that the emotional, physical and financial burden of providing that care was weighing heavily on generations of residents. As a caregiver for my elderly mother, I can certainly confirm that fact. In the past year, my mother's chronic pain has only gotten worse and doctors offer few realistic solutions to improve her quality of life. As a result, I have to spend more and more time staying home to care for her instead of having a life of my own. Then there are the many trips to the emergency room that last for hours on end.
My mother always goes to bed late but is an early riser so I might get four hours of sleep and that causes fatigue for most of the day. She's very bored with life and instead of working on her hobbies or doing something productive, she'll just sit in front of the television. Lately, my mom asks to tag along whenever I run errands just so she can get out of the house. The trouble is, she sometimes suggests going to a restaurant or store during our trip so I'll have to spend money unexpectedly. I do all the cooking and cleaning around the house and this year, I've had to manage her finances because she kept making mistakes in her check book. My parents were never that great with investing their money and my mother is still burdened by a large equity loan they never should have taken out in the first place.
Needless to say, all this leaves me very little free time. I last got together with friends four months ago and whenever I'm away from my mother for long, worry sets in because she's a fall risk. While my brother enjoys being married and raising a family, I'm treated to hearing my mom cry out in pain at all hours of the day and night. For her birthday, I took her out to a nice restaurant while my brother just gave her a phone call. Yes, caregiving does have quite a lot of burdens that average people never even think about.
The editorial also mentioned caregiving's cost to employers by making the case that many people wind up having to quit their jobs to care for a family member and that can cost businesses productivity especially when they lose great workers. At my job, the higher-ups could care less about us because they think we're all replaceable no matter how productive and efficient we are. They have no problem seeing good workers walk out the door because they can always hire a goof-off for less money. Since the company is owned by a private equity firm, the short term bottom line is far more important than retaining dedicated employees who ultimately save the company money in the long term.
At the crux of the editorial is a proposed tax credit for $1,500 and a respite voucher for another $1,500. They admit that's not a lot of money but say it could go a long way for the people who need it most. Actually, that kind of money is insulting because it really doesn't do much to alleviate the real cost of caregiving but legislators often propose measures that don't measure up. The real issue is how much of our hard-earned money we lose in taxes to begin with.
When looking at my old pay stubs, 2020 was my best year by far. For a few months during Covid, our company gave us hazard pay and since our industry was deemed essential, we could work any hours we wanted to. I'd routinely work 11 hour shifts 6 days a week and the overtime bumped my measly hourly wage up to something that was more respectable. Unfortunately, all that extra money meant my taxes went up too and since I was single with no dependents, the government taxed me into poverty. It was money I could've used to buy a new roof for the house or a new car or to get my mom a stair lift. What our legislators propose for caregivers certainly doesn't buy any of those things but buzz words like “tax credits” and “relief vouchers” sound positive and it gives the citizenry the impression that our state is doing something.
An AARP study cited in the editorial claimed most residents supported the tax credits and relief vouchers along with paying spouse caregivers. Once again, singles don't rate as important as married folks. For now, the proposal is stuck in committee but instead of a handout, what I need the most is a helping hand. In light of that, how about the state of Massachusetts allow me to keep more of my money and let me decide how best to be a caregiver?







