Aging in place isn't as simple as just staying home — you must consider the costs, including those for age-related home renovations, home maintenance and caregiving.
Most older adults ages 50 to 80 say it's important to stay in their homes for as long as they can, according to the 2022 National Poll on Healthy Aging from the Institute for Healthcare Policy and Innovation at the University of Michigan. But only 1 in 3 said their home"definitely" has the features needed to allow them to age in place.
People are also reading… CAN YOU RENOVATE?Staying in your home usually means making modifications so you can live in it safely. Many homes in the U.S. were built in the post-war period,"when the country was young and virile and the lifespan was shorter," says Louis Tenenbaum, founder of the HomesRenewed Resource Center, a nonprofit site for research into the economics of aging in place.
These are just starting points. For someone considering these changes,"find occupational therapists or physical therapists to do a thorough home assessment and to identify what changes might be necessary for someone to age in place," Cameron says. Melissa Brennan, a certified financial planner in Plano, Texas, remembers a neighbor who managed all his home maintenance tasks as he got older, including hiring a landscaping company and having his roof replaced and foundation repaired."He lived independently and happily until his death because he knew his limitations and adapted accordingly," she says.
While Medicare may cover home health care as part of a limited, prescribed regimen by your doctor — including physical and occupational therapy — it doesn't cover an extended period of home health care or companion care.
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