Dear Donna:
Since my husband passed away unexpectedly three years ago, I am on my own. We didn’t have any children, so I am trying to create a plan for my future care needs. While I do have extended family and lots of friends, I know I need to be proactive in looking ahead.
That said, I don’t really know where to start. Do you have any suggestions for me?
Sincerely,
Pat in Traverse City, MI
Tips for Single Seniors Planning for Future Care Needs
Dear Pat:
What a good idea! Planning for the future is a step most of us need to take—whether we are single or married—but many people fail to do so. Then a crisis occurs and families are left struggling to figure out what to do.
Creating a care plan for the future as a single, older adult can provide peace of mind, kick-start conversations with loved ones, and help secure essential services as needs change. A thoughtful plan covers health, housing, finances, legal matters, daily living, safety, and community resources.
Here’s a checklist of items to consider:
- Goals and priorities
- Reflect on what matters most: Independence, staying in your home, proximity to family or friends, transportation needs, and social connections are all factors to think about.
- Walk through potential future scenarios: While this might feel overwhelming, it’s necessary. Evaluate where you may need future help, such as bathing, medication management, or meal preparation, and what options are available to you.
- Health and daily care needs
- Create a current health snapshot: Develop a written list of any diagnoses, medications, allergies, primary care or specialist physicians, and any current therapies you have.
- Designate a medical decision-maker (health care proxy): This step ensures your preferences are documented (e.g., resuscitation wishes). You can use Michigan’s Advanced Directive forms to accomplish this. Depending upon your level of expertise, you might need to utilize the services of an attorney for this step.
- Plan a simple daily routine: Walk through what you do each day, including small details like filling up your med tray. Then consider who may be willing help with medications, care delivery, and appointments when your needs become more complex.
- Housing and living arrangements
- Assess options: Aging in place with family support, making home modifications, or moving to a senior living community that offers a variety of levels of care are all options to consider.
- Brainstorm home modifications: Aging at home, even in the short-term, may require renovations to improve safety and accessibility (non-slip flooring, improved lighting, bathroom rails). Gather estimates now to better understand potential costs.
- Finances and benefits
- Take a financial inventory: This should include income, assets, debts, and ongoing expenses. It’s an important piece of planning for the future.
- Analyze potential expenses: Make a plan for potential long-term care costs for both moving to a senior living community and staying at home. This apple-to-apple comparison helps you understand that true costs of care.
- Review and organize key documents: Bank statements, insurance policies, and bills you regularly pay are important for loved ones to know about should you be suddenly unable to handle things on your own.
- Check eligibility for programs: Look at both federal and Michigan-specific programs, such as veterans benefits for surviving spouses, MI Choice, and property tax relief programs or senior exemptions, for possible financial assistance.
- Consider fiduciary options: If managing finances becomes challenging, you’ll want to ensure you have a plan to appoint a trusted person or professional to handle finances.
- Legal planning
- Create or update essential documents: This includes advanced directives, power of attorney for financial matters, and will or trust paperwork. You should also have a routine for updating these regularly.
- Think through guardianship contingency planning: If you ever need someone to assist with decisions, this will be important.
- Designate a place to store copies: It should be secure and easy to find. Then share access with your designated agents. Consider both digital and hard copies.
- Transportation and social connectedness
- Plan how you’ll run errands and participate in social activities: Family, friends, rideshare options, senior transportation services, or volunteer drivers can help you get to where you need to be.
- Think about how to maintain social ties to prevent isolation: Regular visits with friends and loved ones, phone checks, and participation in community centers or faith-based groups keep you socially connected and active.
Finally, I would suggest you create a document that incorporates all of the above in an easy-to-navigate format. Make sure it’s done in a way that you can review and update quarterly or after major health changes. Share it with trusted loved ones. Depending upon your comfort level with technology, you could consider saving it to a cloud service, such as Google Drive or Sync.
I hope this checklist is useful to you! As you create your plan, please contact one of our senior living communities in Traverse City for a tour. One of our team members will be happy to answer any questions and offer insight into planning for the future.
Kind regards,
Donna