Affordable Housing Options for Low-Income Older Adults
Finding inexpensive, safe, and accessible housing can be challenging. However, several affordable housing options are availab...
Read more
TakeawaysThe recent disappearance of Nancy Guthrie from her home in Catalina Foothills, Arizona, has highlighted the difficult balancing act many families face: older adults’ strong desire to remain in their own homes and their adult children’s equally strong desire to keep them safe. While cases like this are rare, they underscore a broader reality: older adults living on their own can be more susceptible to scams, fraud, and delayed assistance if something goes wrong.
For many older adults, staying at home is about far more than convenience. However, for their children, safety risks, especially when a frightening event makes headlines, can be impossible to ignore.
Most seniors say they want to “age in place,” or remain in their own homes and communities as they grow older.
Local Elder Law Attorneys in Your City
Home represents independence. After decades of making their own decisions, managing households, and raising families, many older adults are reluctant to give up control over their daily routines. Moving to a facility or even to their adult child’s home can feel like a loss of autonomy.
Home is also filled with memories. The house where someone raised children, celebrated holidays, or cared for a spouse can carry deep emotional meaning. Leaving it can feel like losing part of one’s identity.
In addition, familiarity supports well-being. Knowing where everything is, recognizing neighbors, and being comfortable in a long-standing community can reduce stress and anxiety. Many older adults value their community connections, such as friends, faith communities, local shops, and doctors. Staying put allows them to maintain those social ties. For people experiencing mild cognitive changes, familiar surroundings can be especially important.
Cost is often an important factor as well. Assisted living and other long-term care settings can be expensive. Remaining at home, especially if the mortgage is paid off, may feel like the more financially sustainable choice.
While older adults may be focused on the positives of staying in their homes, their adult children often see risks their parents may downplay.
When these concerns are combined with a frightening news story, it can intensify family discussions about whether an older adult should continue living independently.
Fortunately, aging in place and safety are not mutually exclusive. Many practical steps can reduce risks and provide reassurance to concerned family members. In addition to reducing fall hazards throughout the home to make it a safer environment for aging loved ones, consider some other proactive measures.
Financial scams are one of the fastest-growing threats to older adults living on their own. Criminals often target seniors because they may have substantial savings, own their homes, and tend to be trusting. However, families can take practical steps to reduce risk.
Encourage skepticism about unsolicited calls, emails, and text messages. Older adults should never provide personal information, Social Security numbers, bank account details, or Medicare numbers to unexpected contacts.
Set up call-blocking services and register phone numbers with the National Do Not Call Registry. Though this will not stop all scams, it can reduce unwanted solicitations.
Review bank and credit card statements regularly. Consider setting up account alerts that notify a trusted family member of large or unusual transactions.
Freeze credit reports with the major credit bureaus to prevent fraudulent new accounts from being opened.
Talk openly about common scams, including impersonation scams (where someone pretends to be a government official or relative in distress), tech support scams, and romance scams. Ongoing conversations help reduce embarrassment and make it more likely that an older adult will report suspicious activity.
Consider adding a trusted person to financial accounts. Many banks and investment firms allow customers to name someone the institution can contact if financial exploitation is suspected.
Above all, create an environment where older adults feel comfortable asking, “Does this seem legitimate to you?” without fear of losing their independence.
Perhaps most importantly, families should talk openly and respectfully about concerns. Instead of framing the discussion as “You can’t live alone anymore,” it may be more productive to say, “How can we make your home safer so you can stay here longer?”
When older adults feel heard and included in the decision-making process, they are more likely to consider practical safety upgrades. Adult children, in turn, may feel reassured knowing concrete steps have been taken.
The desire to remain at home is deeply human. So is the instinct to protect a loved one. With thoughtful planning, honest communication, and practical home modifications, many families can find a middle ground of supporting independence while reducing risk.
Finding inexpensive, safe, and accessible housing can be challenging. However, several affordable housing options are availab...
Read moreTaking everything you have collected over the years and downsizing can be emotionally overwhelming. A senior move manager is...
Read moreWhen your loved one can no longer live independently, you may consider options for long-term care. It?s time to talk to your...
Read moreAlthough caring for people with dementia can be challenging, a variety of resources can help caregivers assist their loved on...
Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MORELearn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
READ MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
READ MOREGet a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.
READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
READ MOREExplore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.
READ MOREGet a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.
READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
READ MOREExplore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.
READ MORE