Disability Insurance for the Stay at Home Mom & Adult Caregiver - Mothering Forums

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#1 of 7 Old 07-20-2013, 07:00 PM - Thread Starter
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Hey Ladies,


I'm currently a SAHM to our 3.5 year old homeschooled child. Starting next month I am also going to be a permanent caregiver to my MIL who has fairly advanced Parkinsons Disease. She'll be coming to live with us. Our finances are tight but manageable.


I just had surgery for my horrendous sinuses and am totally laid up. My husband had to take time off work since I couldn't care for our daughter. I can't help but wonder what would happen if I got injured or really sick and he'd have to care for our child and his mother.


What are the rest of you SAHM's doing in terms of disability insurance? I've heard of mom's getting a paycheck and I would be happy to set that up, so long as it was legal. Can anyone point me in the right direction? I can't stop thinking about the "what if's"




SAHM to DD born 12/09 
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#2 of 7 Old 07-24-2013, 10:42 AM - Thread Starter
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I'm guessing there isn't much help out there. I keep doing searches for it and the only advice I keep getting is to find a way to generate income from home. I'm really frustrated that there isn't any monetary value attributed to women who homeschool and care for the elderly. It is like I've got to go do it for someone ELSE in order to be of any worth. So frustrating.

SAHM to DD born 12/09 
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#3 of 7 Old 07-24-2013, 12:53 PM
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I have never been able to find disability insurance for a SAHM.  I have life insurance, but yeah, we'd be pretty much out of luck if I became disabled. Disability insurance is usually based (that I know of) on a percentage of your income, so I don't know how they would calculate that/ what they would be willing to cover anyway.



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#4 of 7 Old 07-25-2013, 06:51 PM
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I guess I never looked for it on myself- but I have tried to buy it for my self employed husband.  The rates are ridiculous and the payout is terrible.  We decided it was money better spent to just save a rainy day fund.  There are very few companies that will even write such a policy but to put it into dollars- the quotes I got were for something like 40% of our taxable income and the premium was about $200/mo.  Our income isn't very high and 40% was pretty laughable.

Iowaorganic- mama to DD (1/5/06), DS1 (4/9/07), DS2 (1/22/09), DS3 (12/10/10), DD2 (7/6/12) and a new kid due in early 2014

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#5 of 7 Old 07-28-2013, 09:52 PM
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I don't have any suggestions about disability insurance, although it seems like a reasonable idea. But it might be possible for you to get paid for your MIL's care. I don't know where you are, but a starting place might be your local Area Agency on Aging. Some of the programs may be based on your income or hers. Others are based on level of need. Worth checking into if you haven't already.

Rhu - mother,grandmother,daughter,sister,friend-foster,adoptive,and biological;not necessarily in that order. Some of it's magic, some of it's tragic, but I had a good life all the way (Jimmy Buffet)

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#6 of 7 Old 07-30-2013, 09:02 PM
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I was able to get it for myself through my husband's union. 

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#7 of 7 Old 07-31-2013, 08:02 AM
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Some life insurance plans will pay out upon permanent disability, so it might be worth your while to look into something like that for yourself.

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