For many people, the idea of aging in place—staying in your own home as you get older—feels like the best option. It’s familiar, comfortable, and full of memories. But what’s often overlooked are the hidden costs and legal planning that go along with making that choice a safe and sustainable one.
Home updates aren’t always optional.
Most homes weren’t built with aging in mind. You might need to add grab bars in the bathroom, install a stair lift, or even reconfigure your space to have a bedroom and full bathroom on the main floor. These changes can cost more than expected, especially if you’re making them in a hurry after a fall or health scare.
Help at home comes at a price.
If you need assistance with daily tasks like cooking, bathing, or getting around, in-home care can be a great solution—but it’s rarely cheap. Many people are surprised to learn that Medicare doesn’t cover this type of long-term, non-medical care, leaving families to pay out of pocket unless they’ve planned ahead.
Planning ahead means working with an elder law attorney to explore options like long-term care insurance, creating a trust to help qualify for Medicaid, or setting aside savings in a way that protects your assets. The earlier you start, the more choices you have.
Don’t forget about the ongoing maintenance.
Lawn care, gutter cleaning, snow removal, small repairs—these chores don’t stop, even if you’re no longer able to manage them yourself. Hiring help adds to the monthly cost of staying at home.
Legal planning matters more than ever.
Aging in place works best when you have the right legal documents in place: powers of attorney, health care directives, and a long-term care plan that protects your home and savings. Without them, your family could face tough decisions—and expenses—down the road.
Thinking about aging in place? Let’s make a plan.
If you or a loved one hopes to remain at home for as long as possible, connecting with the experienced attorneys at Roth Elder Law is a smart place to start. We’ll walk you through your options, help you protect your home and savings, and put a plan in place that supports your goals. Call us at 607-962-6162 or complete our online contact form to schedule a consultation.