By Cynthia Perthuis, CDP, CADDCT, CSA
As our population ages, an increasing number of older adults find themselves making decisions about their future independently, without the support of adult children or close relatives. This experience, known as solo aging, is becoming more prevalent in society. With projections indicating that one in five Americans will be retirement age by 2030, it is crucial for solo agers to understand the unique challenges they may face and take proactive steps to advocate for themselves and prepare for the future.
What is Solo Aging?
Solo agers are older adults who are navigating the aging process without immediate family support. This group includes individuals or couples without children, those who never married or had children, individuals living alone due to divorce or the death of a partner, and those whose children or relatives live far away or are not involved in their lives. Many solo agers associate living alone as they age with positive feelings such as independence, satisfaction, and happiness. However, they may also experience a sense of lacking companionship, feeling left out, and isolation compared to the general population aged 50 and above.
Challenges Faced by Solo Agers
While solo agers may have a positive outlook on their aging journey, they face unique concerns and challenges. Solo agers are more likely to fear dying alone, being moved somewhere against their will, and having someone appointed by the court to make decisions for them. Additionally, this group tends to worry about losing their independence, being alone without family or friends around, and not being able to stay in their homes.
Lack of Preparedness
One of the significant issues faced by solo agers is a lack of preparedness for the future. Only about one-third of solo agers report having someone who could assist in managing their household or handle day-to-day expenses if they were no longer able to do so. Furthermore, a considerable number of solo agers have postponed making their end-of-life wishes known. Approximately half have an advanced medical directive, and even among those who have one, only a fraction have shared it with their primary-care doctor. Additionally, a significant percentage of solo agers have not created a will or trust, nor made arrangements for their funeral or burial. Many have done little or no planning for living assistance as they age.
Empowering Solo Agers Through Advocacy and Preparation
Solo agers must be proactive in advocating for themselves and planning for their future. Here are some steps they can take to navigate solo aging successfully:
1. Building a Supportive Network: Engage with community organizations, social groups, and online communities that cater to the needs of solo agers. These connections can provide companionship, support, and assistance when needed.
2. Communicating End-of-Life Wishes: Create advanced medical directives, such as a living will or health care proxy, to ensure your medical preferences are known and respected. Share these documents with your primary-care doctor and trusted individuals who may be involved in your care.
3. Legal and Financial Planning: Consult with an attorney to create a comprehensive estate plan that includes a will or trust, power of attorney, and other relevant legal documents. Regularly review and update these documents to reflect any changes in circumstances.
4. Long-Term Care Options: Educate yourself about various living options available for aging adults, such as assisted living, independent living communities, or home care services. Understand the costs, benefits, and eligibility criteria associated with each option.
5. Caregiver Support: Consider building a network of trusted individuals, such as friends, neighbors, or professional caregivers, who can provide assistance with day-to-day tasks, manage household responsibilities, and offer emotional support.
Solo aging presents unique opportunities and challenges for older adults. By embracing independence, building supportive networks, and taking proactive steps to plan for the future, solo agers can advocate for themselves and ensure a fulfilling and secure retirement journey. It is essential to address concerns, communicate end-of-life wishes, and make informed decisions about long-term care to enjoy a life that is meaningful, connected, and prepared for the years to come.
Senior Care Authority takes pride in understanding and supporting the solo aging process. Our advisors are trained to provide the tools you need to surround yourself with the right support and make a plan for the future. To contact us call (239) 330-2133, or visit our website at www.scanyfl.com.