Ask an Expert: How Do I Protect My Mom’s Money from My Sister?


Ask an Expert: How Do I Protect My Mom’s Money from My Sister?



I am so thankful I found your site. My mom is 87 and lives nearby my husband and I. We have been managing her checkbook along with doctor visits, grocery, etc. etc. etc. The doctors tell us she may have early Alzheimer's but she is unable to remember days of the week or checkbook but some other things she does well.

All that being said: I have a sister five years older who's married. They went through bankruptcy years ago and just don't seem to ever get back on their feet. My sister lived 200 miles away and about eight months ago called my mom crying that they needed money. So Mom gave them a thousand dollars. Both my sister and husband have been fired from jobs. My sister has a new job but just moved here in our town. They haven't been here even a week and they now want to borrow a thousand dollars from my mom. They have not asked her yet--they just told me last night.

My mom worries she will not have enough money if she needs it, and she may have enough for about six months in an extend care facility if needed - if even that.

What is my part in all of this? I told my sister they should find another means of getting the money and not go to Mom. Do I tell my mom up front they are going to ask her or just let them ask her? My mom still speaks her mind but when my sister tears up, Mom will melt. Unfortunately mom has both my sister and I as POA (power of attorney) of finances. I have been active POA since living nearby. My sister is executor of her estate.

I'm putting calls into Mom's lawyer to gather information, but I wanted to hear what you think and any wisdom or advice. It's been a hard 24 hours praying about what the next step for me should be. I am so thankful for all your work. Help...


Oh, what an upsetting situation!

Good for you for telling your sister that she should not ask your mom. It's hard to say "no," so kudos to you for speaking up about what's best your mom. Your mom's money is hers for her care. In addition, any transfers of money your mom makes could impact her eligibility for Medicaid, if and when the time comes when she must apply for Medicaid. If your mom applies for Medicaid, Medicaid will look back 60 months to determine if she transferred assets (the loans to your sister could be considered transfers of assets). Medicaid penalizes transfers that take place within 60 months of applying for Medicaid benefits. You can learn more about how this works here:

You are also wise to contact your mom's attorney, who also can help explain the Medicaid look-back period. I also would ask the attorney if you can take any steps to remove your sister as POA of finances--her difficult financial situation seems to be clouding her ability to make good decisions. The lawyer also can offer suggestions on how you can protect your mom's assets from your sister.

So, here's the hard part: If your sister continues to ask to borrow money from your mother, this could be considered a form of elder abuse. Financial elder abuse is defined as the illegal or improper use of an elder's funds, property, or assets. Examples include, but are not limited to: cashing an elderly person's checks without authorization or permission; forging an older person's signature; misusing or stealing an older person's money or possessions; coercing or deceiving an older person into signing any document (e.g., contracts or will); and the improper use of conservatorship, guardianship, or power of attorney. If you worry that the situation has reached this level, you can report the abuse and get help. The National Center on Elder Abuse has state-by-state information and phone numbers:

It's awful to worry that your sister will not follow your request to not ask your mom. I would ask your mom to tell you about any conversations she has with your sister. I would also suggest that you speak with her about any requests she receives from relatives to borrow money. Let her know that the money is for her care. In addition, tell you that you'd like to discuss any request for loans before she makes the loans. You don't have to mention your sister but you can make sure that your mom understands it's important that she discusses any requests with you. You can let her know that you are happy to be the bad guy (your mom probably feels awful saying no to your sister) and can deliver the "No" if any requests for loans come.

If you'd like to be more specific with your mom about your sister, you can tell your mom, "Because Sis moved back to town, I think it's a good idea that we talk about any requests she may make for loans. Please talk to me first before giving her any money. I'm happy to tell her 'No' if that will be easier for you. It's important we use your money for your care. So, let's talk about any loans she may ask you for."

Of course, the concern is your mom's ability to remember conversations with your sister and to keep you in the loop. My other suggestion would be to be vigilant about her accounts, checking regularly to ensure all funds remain.

Do you have other siblings? Perhaps a family meeting with everyone would help. During the meeting, you can be clear about loans ("Mom doesn't have the money for loans and it's important she uses her money for her care"). And, if you do have other siblings, perhaps they could help you by keeping an eye out for any phone conversations or meetings with your sister and your mom.

If you haven't yet, you also can contact your local chapter of the Alzheimer's Association. The chapter will have a social worker on staff who can step in and help you. The social worker can mediate family meetings and offer suggestions if your concerns about your sister continue.

I'm so sorry that this has happened. It's awful when you feel you must worry about the intentions of a sibling.

I hope this helps. Let me know what happens.

If you or the person you care for are in a crisis, we urge you to call a health care professional immediately for assistance. Our experts only provides general insights about general situations. You should always consult your own lawyer, financial planner, health care professional and other professional advisors for advice specific to your situation.

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Hi, You have so much to worry about! And so much to be frustrated about as you try to find solutions and just run into brick walls. Contact the local chapter of your Alzheimer's Association. (You can search here: The chapter will have a social worker on staff who can meet with you and act as a mediator between you and your sister. You have every right to be angry with your sister. I think, though, that it's in your mom's best interest to set aside the anger for now so that your family can work toward a peaceful resolution. Who knows how much time is left and it's most important that you all find peace in the time you have left together. Please write back and let me know what happens.


What an upsetting situation, Kathy! It's awful when it feels like family members are the bad guys. \r\n\r\nUnfortunately, financial exploration of the elderly by family members is not uncommon. You can learn more here:\r\n\r\nMy suggestion would be to hire an elder law attorney to help you navigate going forward. A good attorney can help you make the right next steps so that your mom's remaining assets are used for her care. In addition, an attorney can help with decisions as it relates to pending Medicaid benefits. You can search for an attorney here:\r\n\r\nPlease keep us posted and let us know how you're doing.

Chris MacLellan

Very sound and soothing advice, Denise... Thanks for sharing. Wishing the writer the best too!