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Robin Davidson entered the lobby of Houston Methodist Hospital, where her 89-year-old father, Joe, was being treated for a flare-up of congestive heart failure. Before her stretched a line of people waiting to get COVID-19 vaccines. “It was agonizing to know that I couldn’t get in that line,” said Davidson, 50, who is devoted to her father and usually cares for him full time. “If I get sick, what would happen to him?”

Are you juggling work and taking care of your elderly parents? Maybe on top of this, you’re also raising kids or dealing with a spouse who is ill.

If you’re a caregiver, possibly for a loved one dealing with an illness such as Alzheimer’s disease, you’re probably already facing some significant emotional and physical challenges — so you don’t need any financial ones as well.