It depends, if your husband's mother is a dependent of you both, then you would be able to deduct the costs as a medical expense. You may be able to claim her if she meets the requirements to be claimed as a qualifying relative dependent. If the expenses are high enough on Schedule A and you are able to claim her as a dependent, you may be able to reduce taxable income using itemized deductions instead of standard.
Qualifying relative
- They don't have to be related to you (despite the name)
- They aren't claimed as a dependent by someone else
- They're a U.S. citizen, resident alien, national, or a Canadian or Mexican resident
- They aren’t filing a joint return with their spouse
- They lived with you the entire year (exceptions apply)
- They made less than $4,400 in 2022
- You provided more than half of their financial support
When you add someone as a dependent, we'll ask a series of questions to make sure you can claim them. There may be other tax benefits you can get when you claim a dependent.
He would not be able to use this as a qualified charitable distribution because his mother does not qualify for the designation of qualified charity.
The withdrawals will be taxed as ordinary income for the federal and state.
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