A practical manual for adult children caring for ageing parents.
One in five Indians will be over 60 by 2050, and almost none of the systems around them were built for that. This 47-page manual is the operating layer nobody hands you: how to build the eldercare file in two hours, what care actually costs in 2026 from a Rs 12,000 attendant to a Rs 1 lakh community, how to claim the free Rs 5 lakh hospital cover every person over 70 is entitled to, what the regulator changed in 2024 so insurers can no longer refuse a 74-year-old, how the Maintenance Tribunal works and the property clause that can void a transfer, which national pension programme was renamed in October 2026, what the banks must now do within a fixed timeline when a parent dies, and seven printable templates that replace memory with paper.
Get Your Copy →Written for the son or daughter holding the file, not for the hospital
You are in a hospital corridor with a bag of papers and no idea what the insurance covers. The 72-hour card on page 3 is written to be read in ninety seconds, and chapter seven covers the first ten minutes after a fall.
Chapter three gives the five-rung care ladder with 2026 rates, three worked household budgets, and the funding order that uses insurance and entitlements before it touches savings.
Chapter eight is the hiring chapter: agency versus direct, the nine interview questions, the verification order, and the terms that prevent a dispute in month three. Chapter nine covers retrofitting the house for Rs 15,000 to Rs 40,000.
One sibling does everything, the others contribute opinions. Chapter thirteen splits care by function, separates money from daily care, and gives the four conversations families avoid until a crisis forces them.
Six things that stop being confusing within the first hour
Rs 5 lakh a year for every person aged 70 and above, irrespective of income. Aadhaar is the only document needed, and the book explains exactly what the scheme will not pay for.
Five rungs, 2026 rates, and three worked budgets from Rs 17,000 to Rs 75,500 a month, so the number is in front of you before the crisis arrives.
The Maintenance Tribunal at SDM level, the 90-day timeline, the Rs 10,000 cap, the warrant for unpaid months, and section 23, which can void a property transfer where care stopped.
Identity documents, a one-page medical sheet a doctor can read in thirty seconds, a four-number money map, and the seven phone numbers you will actually call.
Agency or direct, the transfer test that reveals more than any interview, police verification, and the engagement letter that stops drift into month three.
Jeevan Pramaan in November, nomination audits across eight asset types, RBI’s 2025 directions on deceased customers, and a thirty-day checklist for after a death.
Fifteen chapters, plus a 72-hour crisis card and a full source appendix
104 million Indians over 60 today, 319 million by 2050, 75 per cent with a chronic disease, and the four gaps every family falls into in the same order.
Four passes: identity documents, the one-page medical sheet, the four-number money map, and the seven people you will call.
The five-rung ladder with 2026 rates, three worked budgets, and the funding order that claims insurance before it touches capital.
PM-JAY for all senior citizens over 70, IRDAI’s 2024 rule that insurers must sell to all ages, and how to choose in the order that matters.
Sections 126, 128 and 153 under the Income-tax Act 2025, Form 121 replacing 15G and 15H, and an honest assessment of the Senior Citizens’ Savings Scheme at 8.2 per cent.
The medicine, measurement and appointment loops; the six conditions you will actually manage; the home cabinet and equipment list.
8.8 million Indians over 60 living with dementia, the home changes that follow a diagnosis, and the questions to ask on admission and before discharge.
Agency or direct, the nine questions, verification in order, the clauses that matter, and caring from another city.
The retrofit list ranked by return on money, the four signals that home care has stopped working, and a twelve-point check before signing at a facility.
The 2007 Act in full, why the 2019 amendment bill is not law, and the difference between a will, a power of attorney and a bank mandate.
The October 2026 renaming of the national pension programme, state top-ups, free assistive devices, and Elderline 14567.
The November life-certificate window, the nomination audit, RBI’s 2025 claim directions, UDGAM, and the phone that holds the money.
Splitting care by function, the money agreement, the four conversations, caregiver burnout, and what to do when it is abuse.
Seven working documents: emergency card, sibling agreement, attendant letter, monthly review, admission checklist, safety audit, money check.
Advance medical directives after the 2023 Supreme Court modification, documents to have ready, and the administrative checklist nobody hands you.
Chapter fourteen — designed to be printed, filled in and kept where you can find it
Wallet-sized: conditions, medicines, allergies, policy numbers, the doctor, both children, the nearest hospital.
Functions with names against them, the monthly number, the top-up trigger, and hands-on care valued at the wage it replaces.
Duties, hours, salary date, days off, medicine rules, the no-money-access clause, and the ambulance-first instruction.
Ten minutes, five rows, one page. What changed, what is running out, what the parent wants that is not happening.
Eight steps from pre-authorisation to the medicine list reconciliation before discharge.
Nine areas, from grab bars to the medicine organiser, with a column to tick as each is done.
Seven checks, four times a year: statements, premium, maturities, Form 121, pension credit, budget variance, file update.
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Everything you need to know before buying
That is the best time to read it. Chapter two takes two hours and builds the eldercare file: documents, a one-page medical sheet, a money map and a list of people to call. Chapter four checks whether your parent is already entitled to free hospital cover worth Rs 5 lakh a year, which most families never claim. Families who do this work while nothing is on fire spend far less later.
Yes, in detail. All senior citizens aged 70 or above are eligible irrespective of income, with cover of Rs 5 lakh a year, about 6 crore people across roughly 4.5 crore families. The book explains that Aadhaar is the only document needed, how age is determined when Aadhaar records only a birth year, how a couple both over 70 gets separate cover, where to enrol, and exactly what the scheme does not pay for so you do not cancel a private policy on the assumption that it does.
Chapter ten explains section 23 of the Maintenance and Welfare of Parents and Senior Citizens Act 2007, under which a tribunal can declare a property transfer void where it was made on the condition that the transferee would provide maintenance and that maintenance has not been provided. It also explains the tribunal’s real limits: it sits at the SDM level, costs nothing, must decide within 90 days of notice, can order up to Rs 10,000 a month, and cannot divide property or settle a title dispute.
Yes, and this is where most free material is out of date. On 14 October 2026 the Union Cabinet renamed the National Social Assistance Programme as the Pradhan Mantri Samajik Sahayata Yojana, and the old age pension as the Pradhan Mantri Vridhavastha Pension Yojana, continuing for 2026-27 to 2030-31. The book gives both the old and new names, because forms and office staff still use both, along with reported state top-ups and the 2026 rates for the Senior Citizens’ Savings Scheme.
Chapter three sets out five rungs, from monitoring at no cost to a facility at Rs 25,000 to Rs 80,000 a month and above. Attendants are quoted at Rs 12,000 to Rs 25,000 a month live-in; trained nurses at Rs 25,000 to Rs 60,000. It then works three full household budgets, from Rs 17,000 a month for an independent 68-year-old to Rs 75,500 a month for an 84-year-old with high needs, and shows the funding order that wastes the least money.
No. It is a planning and administration manual. It explains what the schemes, statutes, regulator rules and clinical guidance say, and which questions to ask, but every diagnosis, prescription, contract and filing belongs to a qualified doctor, advocate or chartered accountant who knows your family. The book states this plainly in its opening pages and again in the appendix.
This edition is dated November 2026 and every figure is traced in the appendix to a primary source: NITI Aayog’s 2024 senior care paper, the National Health Authority’s PM-JAY senior citizen FAQs, IRDAI’s May 2024 master circular, the Department of Economic Affairs memorandum of 30 September 2026, the Income-tax Act 2025 renumbering, the Maintenance and Welfare of Parents and Senior Citizens Act 2007, RBI’s September 2025 directions on deceased customers’ claims, PIB releases of September and October 2026, the LASI-derived national dementia estimates, and HelpAge India’s 2026 survey. Where a rate will move, the appendix names the document to check rather than a news summary of it.
Yes, chapter fourteen is seven working documents designed to be printed and filled in by hand: a wallet-sized emergency card, a sibling care agreement, an attendant engagement letter, a monthly care review, a hospital admission checklist, a home safety audit and a quarterly money check. There is also a 72-hour crisis card near the front, written to be read by someone who is frightened and in a hurry.
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Related playbooks, written to the same standard
For chapter ten’s two paragraphs on wills: drafting, registration, probate and succession, in full.
For the claim itself: pre-authorisation, rejections, and escalating to IRDAI when a hospital bill is disputed.
For the parent who is still planning, rather than the one who needs care: corpus, drawdown and pension sequencing.
47 pages · 15 chapters · 7 templates · every figure traceable — start reading in 60 seconds.
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