Senior living options are much more plentiful these days than ever before; older adults can choose between a variety of housing situations according to their needs, including staying in their own home to age in place. There are quite a few considerations to make, however, when figuring out what’s best for you. The home you choose should provide safety and comfort and should, of course, be within your budget. It should also give you a measure of independence.
Deciding whether you want to remain at home, move into an assisted living facility, or find a senior community can be tough, so it’s important to weigh the advantages and disadvantages beforehand. It’s also a good idea to talk to your partner or loved ones and keep communication open about your decision, as it may affect them as well. Finally, you’ll want to learn all you can about your health insurance and how your benefits will translate to assisted living, home health care, or long-term care. Here are some ideas on how to weigh your options.
Consider Aging in Place
In recent years, aging in place has become more common as seniors put a bigger focus on maintaining their health and mobility. It’s a great option for those who want to remain in their own homes after retirement, but there are a few things to think about, such as making the home safe and comfortable. There are simple modifications that can be made that will help, as well as a few larger ones that require more planning and a bigger budget. If your home is one-story, you already have the benefit of not having stairs to contend with, which means you can focus on the little things. Adding grab bars in the bathroom and replacing knobs with handles can go a long way towards helping you age-in-place safely. Don’t forget to look for grants and special loans specifically for seniors to help pay for modifications.
Downsizing Is an Option
Downsizing to a smaller home is an option that many seniors have benefitted from, but it’s a move that should be made with careful thought. While a smaller home might mean big savings per month and added safety, it can be a lot of work to declutter, pare down belongings, and rearrange your lifestyle. You’ll need to think about trading in large furniture for smaller ones, which may require some cash, so make sure you’re prepared before making any decisions.
Considering Assisted Living
Assisted living is a wonderful option for many seniors who need help with daily tasks such as cooking or keeping up with medication. There are typically a wide range of assisted living facilities to choose from, all offering different levels of care. Research is crucial to ensure you’re getting what you need within your budget, especially since there are places that provide apartment-style living for those who want to remain more independent. As you start your search, keep in mind that assisted living arrangements in Deland have an average price between $1,500 to $6,995.
Learn More About Your Health Insurance
Your health insurance policy can affect your living situation as you enter post-retirement years, so it’s important to learn all you can about your benefits. Most policies won’t cover long-term care and only pay for a specific amount of days in a hospital or care facility, but you may be able to find a supplemental insurance plan that will help cover the costs.
There are many options for senior living these days, so it’s crucial to think carefully about which one will be right for you both now and in the future. By doing some research, you can make the best choice for your needs while ensuring that your safety is protected.