Many seniors cherish the idea of aging in the comfort of their own homes, the reality is that aging in place comes with its own unique set of challenges.
Many seniors assume that living at home is their most cost-effective option, especially if their mortgage is paid off.
In reality, the expenses of landscaping, repairs, improvements, transportation, taxes, insurance, utilities, and especially in-home care can really add up. In many cases what seems like the least expensive place to live while growing older may not be that inexpensive after all.
In-home care, though beneficial in many ways, can become increasingly difficult as we navigate the complexities of aging.
More than two-thirds of all adults over the age of 65 will need some type of care, at some point in their lives. When you choose to age in place in your home, that care may come in the form of an in-home care agency’s caregiver.
In this blog, we will explore some of the considerations that need to be made if you plan to age at home.
Safety Concerns & Changing Mobility Needs
One of the most significant challenges of aging in place is adapting to changing mobility needs. What once felt like a cozy home can quickly become an obstacle course when stairs become daunting or doorways too narrow to accommodate a walker or wheelchair.
Adapting your living space to accommodate these changes can be both physically and financially demanding.
Safety becomes a paramount concern as we age. Simple tasks like navigating the bathroom or kitchen can pose significant risks if our homes are not properly equipped with grab bars, non-slip surfaces, and adequate lighting. Creating a safe environment will require a financial investment and is essential to maintain independence and peace of mind.
Social Interaction
Living alone can lead to feelings of isolation and loneliness, especially for seniors who may have limited social interactions or lose a spouse.
Without regular companionship and social activities, mental and emotional well-being can suffer, impacting overall quality of life.
In fact, one-fourth of adults 65 and over report feeling isolated regularly. These feelings can have a detrimental effect on physical health and new studies suggest there could be a link between isolation and dementia.
Wherever you live, you need a plan to remain socially engaged. For some that may mean arranging transportation to see friends or being intentional about joining programs and activities in their community.
Health Management
Managing health conditions becomes increasingly complex with age. From picking up prescriptions and medication reminders to keeping up with doctor’s appointments and navigating insurance and billing, it can take a lot of support.
Even if friends and family are able to give you rides to appointments or assist with medication refills, it can take a lot of time and organization. If you plan to depend on in-home care, it’s important to think through what your health management plan and budget might look like.
Household Maintenance
The upkeep of a home can become overwhelming even if you are someone who takes a great deal of pride maintaining your yard or organizing your home.
From changing light bulbs and dusting to grocery planning and meal-prep, maintaining a household can quickly become a burden, leading to feelings of frustration and exhaustion.
You can certainly hire a lawn crew, a housekeeper and other professionals, but these expenses can quickly add up. For example, it costs $230 each visit on average to hire a housekeeper for biweekly cleanings. Consequently, home care can have a significant impact on a senior’s budget.
Transportation
If you become uncomfortable with driving, transportation can become a significant issue. Some parts of the country offer more public transportation and taxi services than others.
Feeling like you are dependent on friends or family to run a quick errand or stock up on the essentials can feel uncomfortable. Even if family members are willing and able to help, you might feel like you need to limit your trips to the necessities and feel less able to ask for a ride to see friends or attend a fun event.
Budgeting For In-Home Care
The cost of in-home care and necessary modifications to the home can place a significant financial strain on seniors and their families. Navigating insurance coverage, long-term care options, and budgeting for care services adds another layer of complexity to the aging process.
According to Where You Live Matters, private-duty home care agencies can provide older adults assistance with:
- Personal care needs, including bathing, dressing and grooming.
- Toileting and continence care.
- Menu planning, meal preparation, grocery shopping.
- Transportation for appointments and errands.
- Laundry and light housekeeping support.
- Companionship and socialization, such as reading, card playing and crafts.
The national average for home care is $19 per hour. Most agencies have minimum-hour-per-visit requirements, as well as monthly thresholds to meet. Consequently, home care can have a significant effect on a senior’s budget. Seniors in rural areas may have limited options for in-home care.
Family Dynamics
Family dynamics can also impact the experience of aging in place, especially if adult children do not live close to their aging parents.
Balancing the desire for independence with the need for assistance can create tension and conflict among family members. Navigating these dynamics requires open communication and mutual respect.
Aging in the Place That’s Right for You or Your Loved One
Aging at home might be the right choice for you but it’s important to consider all of your options. Many people are surprised to learn that some seniors choose to live in an independent living community long before they need additional support.
Instead, active older adults are choosing to move to senior living communities for the incredible lifestyle independent living and 55+ senior communities offer. With fewer responsibilities, they can enjoy the freedom to pursue new hobbies, volunteer in the communities or travel.
Additionally, there is a sense of security knowing that many communities, like Senior Star, make it possible to “age in place.”
Residents have the ability to remain in the community they know and love, even if they need to increase their level of care to assisted living or memory care.
Where you choose to live is a multi-faceted decision. What’s important is that you have all the information you need to make a fully informed decision.
Then, you and your loved ones can take a look at the big picture. Open and honest communication are key to determining what’s right for you and your family.