Navigating the Future: Care Planning for Solo Aging

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By Jennifer Crowley, RN, CLCP, CMC

As we journey through life, planning for the future becomes an essential part of our well-being. For solo aging – individuals aging without a spouse, partner, or close family support –long-term care planning takes on added significance. Ensuring that your future needs are met and your wishes are honored requires careful consideration and proactive steps. In this article, we’ll explore key aspects of long-term care planning tailored for solo agers, empowering you to confidently navigate the path ahead.

Understanding Solo Aging

A “solo ager” is someone who does not have traditional family support available as they grow older. According to recent reports, approximately 22.1 million solo agers live in the U.S., accounting for about 28% of older adults (Mather.com, 2024; Senior Living News, 2025). This demographic is expected to grow as people live longer and more older adults find themselves without close family support. Planning for the future can be particularly challenging when aging alone, but with careful preparation, solo agers can experience a fulfilling and comfortable journey.

From finances and living arrangements to health care and social connections, there are many factors to consider when planning for the future. Let’s review some essential steps to help you feel more confident and gain peace of mind through strategic planning.

Financial Planning

Predicting exactly how much you need for retirement is difficult. Health conditions and living arrangements can change quickly, impacting your financial outlook. Financial security is even more crucial for solo agers, as they do not have family members to rely on for housing or care needs. A financial advisor can help you:

  • Understand your savings and retirement funds.
  • Budget for future expenses.
  • Identify resources to help cover long-term care costs.

Additionally, it is important to review your insurance coverage. Consider the following questions:

  • Does your current health insurance adequately cover your needs?
  • Would it cover long-term care, prescription drugs, or skilled nursing care if your situation changed?

Understanding the limitations of your insurance and exploring additional payor sources can help ensure you have adequate coverage when needed. Take advantage of annual enrollment periods to adjust your plan if necessary.

Legal Considerations

Consulting with an attorney can help you establish important legal documents, such as:

  • A living will, which outlines your preferences for medical treatment.
  • Advance directives, specifying life-saving measures or nutritional needs if you become unable to make decisions.
  • Power of Attorney (POA), which designates a trusted individual to manage your affairs if you are unable to do so.

Selecting a POA can be more challenging for solo agers who do not have close family members to fill this role. Some may choose a trusted friend, while others rely on professionals, such as an attorney or fiduciary. Additionally, having a will, trust, or estate plan ensures that your assets are distributed according to your wishes. Appointing a personal representative to handle your estate after death is another critical step in your planning process.

Housing and Living Arrangements

Aging in place is often the preferred option for older adults. However, as your needs change, your home may no longer be the most functional or safest environment. Consider the following modifications to enhance accessibility and safety:

  • Grab bars in the bathroom.
  • A walk-in shower with a seat.
  • A ramp instead of stairs.
  • Wider doorways and improved lighting.

If you require personal care support, an assisted living facility may be a better option. While the cost is higher, these facilities provide assistance with daily activities such as bathing, dressing, and medication management. Understanding the availability and cost of in-home services in your community is also essential, as personal care assistance is typically an out-of-pocket expense.

Social Connection and Engagement

Staying socially active is vital for overall well-being. Solo agers are at higher risk of isolation and loneliness, which can negatively impact mental and physical health. When evaluating housing options, consider relocating to a senior-centered community to foster social engagement. If you prefer to remain in your home, look for opportunities to build a support network through:

  • Community groups.
  • Religious organizations.
  • Volunteering.
  • Local clubs or activities.

Building relationships with service providers and engaging with your community can help combat isolation and provide additional support as you age.

Maintaining Health and Well-Being

Taking proactive steps to maintain your health can reduce the risk of illness and injury. Consider the following:

  • Preventative Health Screenings: Schedule annual physical exams and screenings to monitor your health.
  • Exercise & Nutrition: Regular physical activity, such as daily walks, helps maintain mobility and prevent chronic disease. A balanced diet supports overall well-being.
  • Mental Health: Engage in activities that stimulate your mind, such as puzzles, reading, or learning new skills. Social interaction also plays a crucial role in mental health.

The Role of an Aging Life Care Manager®

Planning for solo aging can be complex, but you don’t have to navigate it alone. Aging Life Care Managers (also known as geriatric care managers) are professionals who specialize in helping older adults coordinate care, access resources, and make informed decisions about their future. An Aging Life Care Manager can:

  • Assess your current and future needs.
  • Provide guidance on financial, legal, and health care planning.
  • Identify appropriate housing and care options.
  • Advocate for your well-being and quality of life.

Working with an Aging Life Care Manager can provide peace of mind, ensuring that you have a trusted professional supporting you every step of the way.

Navigating the Future: Care Planning for Solo Agers

Solo aging presents unique challenges, but with proactive planning, you can create a secure and fulfilling future. By addressing financial, legal, housing, and health care needs while building a strong support network, you can navigate the aging journey with confidence. Remember, resources and professionals are available to help you along the way—you are not alone in this process.

Helpful Resources for Care Planning:

  • National Institute on Aging
  • Planning My Way
  • My Directives
    • A free online platform that allows you to create a comprehensive legal advance care plan that is secure and accessible to you, your loved ones, and your medical providers. www.mydirectives.com
  • Aging Life Care Association®
  • American Academy of Family Physicians (AAFP)

About the author:

Jennifer Crowley, BSN, RN, CLCP, CADDCT, CDP, CMC, has been a registered nurse for 30 years. She is a certified life care planner and certified care manager. She is in private practice with the company she founded over 19 years ago. The Life Care Experts is located in northwest Montana. She is the author of “7 Steps to Long-Term Care Planning”, “The Life Care Management Handbook,” and “The Ultimate Care Plan Guide: 101 care plan templates for aging and life care professionals. She cofounded The Life Care Management Institute in 2019, which offers over 30 online courses for learning how to start, grow, & manage a successful life care management practice.

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