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How to Care for a Parent Without Losing Your Career

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By Stephanie Cheney, Founder & CEO, Licensed Insurance Agent | Last reviewed: October 10, 2026

Start by getting clear on what your parent needs, then build support around it: talk to your employer early, find out whether you’re eligible for unpaid FMLA leave, divide tasks with siblings, and bring in paid help for the hours you can’t cover. The goal is a setup you can sustain for months, not just weeks.

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What does your parent actually need?

Sort the work into three buckets. Daily help, like bathing, meals, and medications, needs someone there. Weekly tasks, like appointments, groceries, and bills, can often be scheduled around work. Occasional tasks, like paperwork and decisions, can usually be handled remotely. Knowing which is which tells you what you can do, what you can share, and what you’ll need to hand off.

How do you talk to your employer?

It’s often easier to have the conversation before work starts to slip. Ask about flexible hours, remote days, or an adjusted schedule. Check whether your employer offers an employee assistance program, which sometimes includes caregiving resources and referrals.

A woman at her home office desk taking a call about her mother

Can you take time off to care for a parent?

If you work for a covered employer and meet the eligibility requirements, the federal Family and Medical Leave Act provides up to 12 weeks of unpaid, job-protected leave per year to care for a parent with a serious health condition. Generally, you need to have worked for your employer for at least 12 months and 1,250 hours, at a location with 50 or more employees within 75 miles. Leave can sometimes be taken in smaller blocks rather than all at once. (U.S. Department of Labor)

Some states also have paid family leave programs with their own rules. Your HR department can tell you what applies.

How do you share the load?

  • Siblings: divide by strengths. One handles finances remotely, one covers appointments, one coordinates. See How to Divide Caregiving Between Siblings.

  • Paid help: even a few hours a week from a home care aide can protect your workday. The national median rate is about $35 an hour. (CareScout)

  • Local services: your Area Agency on Aging can point you to meal delivery, transportation, and respite care. Find yours through the Eldercare Locator.

  • A care manager: an aging life care professional can assess needs and coordinate services when you can’t be there. (Aging Life Care Association)

An older man in an orange shirt reads the newspaper at the table while his adult daughter sits beside him

How do you protect your own health?

Caregiving while working is a long stretch, not a sprint. Build in real breaks, accept help when it’s offered, and look into respite care, which gives family caregivers short-term relief.

What does this mean for your own plan?

Staying Power is a licensed insurance agency that helps people plan ahead for their own care.

If you’re doing this now, you may already be thinking about who would do it for you, and how it would be paid for. Long-term care insurance pays a benefit toward help at home, and the coverage we offer can even pay a family member you choose. Get started to see what care costs and how to fund it.

Related reading: Signs a Parent Needs More Help at Home and Questions to Ask Before Hiring In-Home Care.

Frequently asked questions

Does FMLA leave pay me?

No. FMLA leave is unpaid, though some employers offer paid leave, and some states have paid family leave programs.

Can I be paid to care for my parent?

Sometimes. Some state Medicaid programs and some long-term care insurance policies can pay family caregivers, depending on eligibility and policy terms.

How do I find local help for my parent?

The Eldercare Locator connects you with your parent’s local Area Agency on Aging.

Get more details about long-term care insurance

Sources

  • U.S. Department of Labor: FMLA

  • CareScout: 2025 Cost of Care Survey

  • Eldercare Locator (ACL)

  • Aging Life Care Association

About the author

Stephanie Cheney is the founder and CEO of Staying Power and a licensed insurance agent (OK License #3004465615 · TX License #3562695). She became a caregiver at 20 and saw firsthand what caregiving asks of a family: time, career, and money. After her father died, her mother bought long-term care insurance in her 50s. When brain surgery in her 60s left her mother needing full-time care, that coverage meant Stephanie could keep working and hire help when she was away. Her mother has lived with her for about 10 years. Stephanie started Staying Power to help people plan to stay in their own homes as they age, beginning with how they'll pay for care.

About the cost figures

Cost figures are national medians from CareScout's 2025 Cost of Care Survey and are not projections. Actual costs vary by location, provider, and level of care.

Not legal advice

This article provides general information, not legal advice. Laws governing powers of attorney, health care directives, guardianship, employment leave, and related matters vary by state and change over time. Consult a licensed attorney in your state about your specific situation.

About the coverage described

Features described reflect the coverage Staying Power offers, issued by Nationwide Life and Annuity Insurance Company through the CareMatters product line. Guarantees are backed by the claims-paying ability of the issuing insurer. Benefits may be reduced by loans, withdrawals, or unpaid charges. Features vary by product and state; coverage is governed by the terms of the issued policy.

Disclosure

Staying Power is a licensed insurance agency. This article is intended to solicit insurance business and is provided for educational purposes only. It is not tax, legal, medical, or financial advice, and it is not a recommendation to purchase, an offer of coverage, or a quote. Long-term care insurance is subject to medical underwriting and is not available to everyone. Benefits, limitations, and exclusions vary by policy, carrier, and state. Medicare and Medicaid rules vary by state and change over time; see Medicare.gov and your state Medicaid agency for current details.

More in Caring for a Parent

  • Signs a Parent Needs More Help at Home

    The signs that an aging parent may need more help at home, what to do when you notice them, and where to find support.

  • The First 30 Days After a Parent’s Fall or Hospital Stay

    What to do in the first 30 days after a parent's fall or hospital stay: discharge, what Medicare covers, help at home, and preventing another fall.

  • How to Divide Caregiving Between Siblings

    How siblings can share caring for an aging parent: holding a family meeting, dividing tasks by strengths, and handling disagreements.

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Staying Power is a licensed insurance agency. Insurance products are offered through licensed insurance agents and are issued and underwritten by third-party insurance companies. Products, features, and availability vary by state and are subject to underwriting approval. Individual care needs and expenses vary; no policy is guaranteed to cover the entire cost of care. Policy guarantees are backed by the claims-paying ability of the issuing insurer. Any values shown in interactive tools are illustrative only and do not constitute a quote, offer, or guarantee of coverage or benefits. This site provides general information and is not financial, legal, or tax advice.

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