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Caregivers as Money Managers for Adults with Severe Mental Illness: How Treatment Providers Can Help

Received April 28, 2006; revised November 15, 2006; accepted December 15, 2006. Eric Elbogen, Ph.D., is affiliated with the Forensic Psychiatry Program and Clinic at the University of North Carolina-Chapel Hill School of Medicine. Drs. Wilder, Swartz, and Swanson are affiliated with the Department of Psychiatry and Behavioral Science at Duke University Medical Center in Durham, North Carolina. Address correspondence to Eric Elbogen, Ph.D., UNC-Chapel Hill School of Medicine, Department of Psychiatry, CB #7160, Chapel Hill, NC 27599; eric.elbogen{at}unc.edu (e-mail).

OBJECTIVE: To review the prevalence, benefits, and problems associated with families who, either informally or formally as representative payees, manage money for adults with severe mental illness. METHODS: Based on empirical research and clinical cases, suggestions are offered for minimizing downsides and capitalizing upon benefits of family money management. RESULTS: The findings and case vignettes demonstrate four specific strategies for treatment providers: facilitating collaboration, increasing knowledge about disability funds, improving money-management skills, and developing plans for financial decision-making.CONCLUSION: By following these recommendations and becoming aware of whether their clients had family money managers, clinicians can promote independent functioning and family support for a substantial number of people with severe mental illness.

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