re: Caregiver costs

Consult a tax professional, but medical expenses (including qualified long-term care) are an itemized deduction in the event that they exceed 7.5% of your Adjusted Gross Income.

At $3,500 a month for 12 months that is $42,000 a year, easily exceeding the standard deduction meaning you would itemize, and unless you are making over $500k a year, would exceed 7.5% of your AGI.