About 25% of all New Yorkers are taking care of an older adult, spouse and loved one without any pay, according to a new report.
A new report from AARP, Caregiving in the U.S. 2025: Caring Across States, reveals that 26% of adults in New York, or more than 4 million people are family caregivers, providing largely unpaid and often unsupported care. Their responsibilities often include cooking, bathing, managing medications, arranging transportation and performing medical tasks, frequently without formal training or assistance, the report said.
Family caregivers in New York contribute an estimated $39 billion in unpaid care each year, helping relatives live independently in their homes and communities.
“When a loved one needs help, family members, friends, and neighbors step up, that’s what we do,” said Beth Finkel, AARP New York State Director. "But too often, caregivers carry this responsibility alone, often putting their finances, health and jobs at risk. As our state population ages, the demand for care will only grow."
But the personal toll is significant. According to the report:
- 80% of caregivers use their own money to meet loved ones’ needs, spending an average of $7,200 annually, or about a quarter of their income.
- 36% report financial strain, including debt, drained savings, or difficulty affording food and medicine.
- 26% struggle to find affordable local services such as in-home care or meal delivery.
- 28% are “sandwich generation” caregivers supporting both an adult and a child under 18.
- Many are also balancing full- or part-time jobs, often reducing work hours or leaving their jobs entirely, which puts their own financial futures at risk.
With New York’s population aging, the demand for care continues to grow. AARP New York is calling on state and local lawmakers to act ahead of the 2026 legislative session to provide financial relief, better access to community-based services and workplace protections for caregivers.
At the federal level, AARP is backing two key bills:
- The Credit for Caring Act, which would provide a tax credit of up to $5,000 for working caregivers.
- The Lowering Costs for Caregivers Act, which would expand flexible spending and health savings account options.
AARP offers several free tools and support resources, including:
- AARP’s state-by-state Family Caregiver Resource Guides to help family caregivers access key programs, services, and agencies right in their community.
- AARP’s online Caregiving Hub with tools and information available in English and Spanish.
- AARP and United Way Worldwide’ s 211 program connects family caregivers to essential local services for themselves and their loved ones via the 211 helpline.
- AARP’s official caregiving Facebook group serves as a place for family caregivers nationwide to connect, share practical tips, offer support, and discuss their shared experiences.
