U.S. Filial Responsibility Laws Rarely Used, Retirees Face $172,500 in Healthcare Costs
In the United States, adult children are theoretically obligated to support their parents financially under 'filial responsibility laws'. However, enforcement is rare and varies widely. Meanwhile, a 65-year-old retiree this year can anticipate spending around $172,500 on healthcare and medical expenses, a 4% increase from last year.
These laws exist in many states, including Alaska, California, Florida, New York, and Pennsylvania. Yet, they're seldom used and only in extreme cases, such as when a parent has urgent medical needs. Enforcement and applicability differ greatly across states, with actual use cases being rare and highly situational.
When it comes to debt collection, family members have rights. Collectors cannot harass them, lie about debt amounts, pretend to be officials, or make threats. During probate, debts are paid from the deceased's estate, following state law priorities. Family members can document communication, send cease letters, dispute debts, and file complaints with the FTC or state AG's offices.
Family members may be responsible for medical debt if they cosigned, shared an account, or live in states with filial responsibility laws. Surviving spouses in community property states may also be liable. Creditors may target family members, but they must adhere to the Fair Debt Collection Practices Act. If the estate can't cover medical debt, creditors usually absorb the cost and do not pursue family members unless they're legally liable.
While filial responsibility laws exist in many states, their enforcement is rare and varies widely. Retirees can expect significant healthcare and medical expenses, with a 65-year-old this year anticipating around $172,500. Family members have rights and protections during debt collection, and creditors typically absorb unpaid medical debt if the estate can't cover it.
