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  • Writer's pictureKathy L. McNair, Esq.

Three Tips Before Moving in with an Adult Child

As we age, our housing needs may change, and we may find ourselves considering moving in with our adult children. While this can be a great way to stay close to family and possibly save money, it is important to carefully consider the decision before making the move. Here are a few things to think about before selling your house and moving in with an adult child.


1. Financial Considerations

Moving in with your adult child can be a great way to save money on housing costs, but it is important to carefully consider the financial implications of the move and to outline the expectations and financial arrangements for your living expenses.

In some cases, buying an interest in your child’s home or purchasing a home with your child can help to protect your assets if you need to apply for Medicaid benefits to pay for nursing home care in the future.


Building an “in-law” apartment onto your child’s home may be a good option to give everyone the space that they need. If you plan on paying for this addition to your child’s home, you should consult with an elder law attorney for guidance on how to structure the payment so that it will not impact your ability to qualify for Medicaid benefits if needed in the future.


2. Emotional Considerations

How will moving in with your adult child impact your relationship with your adult child and their family? Spending time with your children and grandchildren can be a wonderful experience, but it is important to make sure that this will work for everyone involved.


3. Practical Considerations

Finally, there are several practical considerations to keep in mind before making the move. These include:


o The logistics of moving and downsizing your belongings

o The need for privacy and personal space

o The need for clear boundaries and expectations


Moving in with your adult child can be a great way to save money and stay close to family, but it is important to carefully consider the decision before making the move. By keeping these key considerations in mind, you can make an informed decision that is right for you and your family.


If you are thinking about moving in with your adult child and you want to protect your assets from the high cost of nursing home care by engaging in Medicaid Planning, we can help. To find out more, please call us at 617-489-5900 or use this link to schedule a free consultation: https://seniorsolutions.as.me/initialconsult, We are caring Boston Elder Law attorneys, serving all of Massachusetts, and ready to help you with Medicaid and MassHealth Planning, Estate Planning, Guardianship, Conservatorship, Probate, and Special Needs Planning.

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