
- Filial responsibility laws hold adult children (and sometimes other relatives) responsible for their parents’ medical costs and care if the parents can’t afford it themselves.
- Filial responsibility laws vary from state to state.
- Arizona does not have filial responsibility laws, but if your parents live out of state, you could be subject to that state’s laws.
- The best way to understand your filial responsibility is to research, consult an attorney, and make a plan.
You may find the prospect of caring for your aging parents empowering, intimidating, or your greatest honor. And all of those perceptions can be valid. Family dynamics are unique and personal, and we don't judge anyone for their feelings about caring for their parents as they age. However, adult children should prepare themselves to fulfill not only familial expectations but also legal obligations.
In 26 states, filial responsibility laws hold adult children responsible for the cost of care for their aging parents if their parents can’t afford it. And those costs can range from crippling to astronomical. In Arizona, adult day care costs an average of $2700/month, in-home care or assisted living cost over $6,000/month, and a private room in a nursing home costs over $10,000/month. Creating a care plan that addresses both familial and legal obligations is easier said than done, but understanding the filial responsibility laws in your state can give you a head start.
What is filial responsibility?
Filial responsibility laws (a.k.a. filial obligation or filial support) require adult children to care—or cover the cost of professional care—for their parents when the parents don't have the means to pay for care. These costs can include food, clothing, housing, and medical costs. Each state has different guidelines when it comes to filial responsibility. In some states, filial responsibility only applies to adult children. In others, more family members can be held responsible. Additionally, states differ on policies regarding the length of time adult children provide support for their parents or the enforcement of filial responsibility laws.
If your parents live in a state with filial responsibility laws, you may be financially responsible for their medical or long term care if everything below is true:
- One or both parents receive state-sponsored financial support to help pay for food, housing, utilities, or other expenses; however they’re not eligible for Medicaid.
- The Social Security benefits of one or both parents don’t cover their expenses (a.k.a. (they qualify as indigent).
- One or both parents can’t pay for their nursing home bills.
- You have the ability to pay those outstanding nursing home bills.
Does Arizona have filial responsibility laws?

Arizona does not have filial responsibility laws. If your aging parent or parents live in Arizona, you’re not legally required to support them financially. In practice, this means Arizona families:
- Aren’t legally required to pay for their parents’ living expenses, medical, or long-term care bills
- Face no risk of lawsuits or collection actions based on filial responsibility
However, Arizona residents might still be held responsible for the care of out-of-state parents if their parents live in a state with filial responsibility laws.
Filial responsibility in other states
State filial responsibility laws vary. Some states consider the quality of the child and parent’s relationship when assigning responsibility. Others consider the child’s financial, emotional and physical wellbeing before assigning responsibility. In many states, the laws, as written, hold adult children responsible for the parent's care, but the law itself is rarely enforced.
For example, in Pennsylvania, filial responsibility law does hold adult children financially responsible for their parents’ care. This applies unless the parent abandoned their child as a minor. Pennsylvania routinely enforces its filial responsibility law.
North Carolina also enforces its filial responsibilities law. And the state ups the ante by charging violators with a class 2 misdemeanor, which could mean 60–120 days of jail time.
California laws take into account an adult child’s health, finances, obligations and other factors before assigning responsibility. If the adult child can prove they don’t meet the requirements, the state won’t hold them responsible. That said, California doesn’t enforce its filial responsibility laws as consistently as some other states
But doesn’t Medicaid cover long-term care?
Yes, Medicaid does cover long-term care for those who meet strict income and asset limits. These limits vary by state, and you can find information about eligibility requirements for the Medicaid program in your parent’s state here. If you learn that your parents don't meet their state’s income and asset limits, they will need to spend down their income and assets on health care until they do meet them. Then they can apply for Medicaid.
If you and your parents are thinking of transferring some of their assets to you and your siblings in order to protect those assets, be sure to do that at least five years before you think they may need to apply for Medicaid. Otherwise, Medicaid can hold you liable for the transferred assets. The sooner you learn about the Strategies for Protecting Assets from Medicaid, the better chance your parents will have of qualifying for Medicaid while still being able to leave some of their estate to you.
Once your parent is on Medicaid, filial responsibility laws do not apply. This means Medicaid will not consider your income and assets when determining your parent’s eligibility, and Medicaid will not require you to pay for the care provided. However, nursing homes and other long-term health care providers may request reimbursement from your parent’s estate to cover some of the costs of long-term care they provided. This mode of reimbursement is known as the Medicaid Estate Recovery Program, or MERP. And the assets that can be recovered can include your parent’s house, bank accounts, or assets that they share with their adult child(ren). MERP only comes into play if the adult children are financially able to cover those costs.
Compare State Filial Responsibility Laws

If your parent or parents live in any of the following states, you should take the time to research that state’s filial responsibility laws. But here’s a quick overview of the laws in each state that has them:
Practical Considerations for Arizona Families
If you see yourself navigating long term care for your aging parent in the future, the best way to prepare financially is to develop a plan. Sit down with your parents and siblings (if applicable) and discuss:
- How you’ll divide caregiving time and costs among siblings and spouses
- Your parent’s Medicaid eligibility
- A plan to protect your parent(s)' assets if they’re not eligible for Medicaid
- Your parent’s long term care insurance policy (if they have one), and what it covers
- Starting a savings plan for your family
- Time commitments and financial responsibilities such as childcare or tuition costs that can limit a sibling’s ability to share care responsibilities
- Your parents’ medical history and potential care needs
- Your parents’ care preferences (aging at home, in an assisted living facility, in a nursing home, etc.)
- The filial responsibility laws in the state where your parents live
It’s also helpful to consult with an elder law attorney or estate attorney in your parents’ state. They should be aware of any new legislation that may impact you. As of June 2025, no new Arizona laws have introduced filial responsibility.
Managing Parental Care Costs
RubyWell is helping adult children in Arizona manage the financial strain of their parents’ care. Our program is designed for family caregivers of homebound aging adults who don’t qualify for Medicaid. RubyWell technology can predict if the person receiving care is eligible for the Medicare home health benefit. And if they are, we can refer them to a partner home health agency that may be able to provide their care. In some cases, we can even help their family caregiver get trained and certified as a home health aide. So they may be hired by one of our partner home health agencies to provide care. You can take the quiz to see if you and your parent(s) are eligible.
We hope the information here helps you navigate your financial journey through caregiving. If you know other family caregivers in AZ, share the link to this article with them.