Answer These Questions to Start Planning for Aging Care

Just hearing the words “aging care” can feel overwhelming. If you’re reading this, chances are you’re trying to make sense of a complex and often confusing system – one filled with different care options, costs, and decisions that aren’t always easy to understand.

Maybe you’re planning for yourself, or maybe you’re already facing choices about care. Either way, we understand you might be wondering where to start. That’s why we put together this list of questions you can ask yourself to help guide your planning and ensure you get the care you want.

Let’s look at some questions, broken down by topic, you can ask yourself to start planning for care: 

• What does my daily routine look like? 

• What are my expectations and hopes for the future? 

• If I need long-term care, what are the most important things I want to continue to do? 

For some people it’s painting, for others it’s swimming. Whatever it is, defining what brings you joy and fulfillment is key to making sure that when you need extra support, you can still do the things that matter most to you. 

• Do I know the different aging care options? 

• Where would I like to receive care? 

• Who do I want to provide my care? 

It can be helpful to think of aging care existing on a spectrum, ranging from in-home care to assisted living or nursing homes. Understanding the differences can help you make informed decisions about where and how you want to receive care. 

Start by researching aging care options and consider factors like location and if you want a family member or professional to provide your care. 

• Who are my primary care doctors, and what is their contact information? 

• Is my medical family history up to date? 

You may already have your medical information sorted out, but keeping these questions in mind can ensure continuity and avoids unnecessary stress in the future. Keep an updated record of your doctors, medications, and any medical conditions. Having all these details organized can also help when discussing care needs with your healthcare provider. 

• What are my current sources of income? 

• How are my bills getting paid? 

• How can I pay for aging care? 

Aging care can be a major expense, and planning can help you prevent financial surprises. Take stock of your income – like social security and retirement funds, pensions, or investments – and track your monthly expenses.

Once you’ve laid out your finances, you might be asking yourself, “okay, but how much does aging care cost?” And “how can I pay for it?” Luckily, we’ve got you covered there too.

Aging care costs can vary depending on where you live and what type of care you need. Use our Cost of Care survey tool to understand how much aging care costs near you.

Our guide to paying for aging care will help you understand some of the most common ways people pay for care. 

• Do I have a current or living will?  

• Do I have an appointed power of attorney? 

• Are all my important documents up-to-date and kept in a secure location? 

• Can someone in my family easily access my important documents?

Having your legal documents, bank account numbers, and other important documents in order gives you and your family peace of mind knowing that your wishes are honored. Talk with your family, lawyer, or financial planner to make sure your wishes are documented and accessible when needed. 

If you don’t have all the answers yet, that's okay. What’s important is that you’ve started planning. Once you’ve a thought through these questions, share your plans for the care you want with your loved ones. An open discussion now can prevent confusion and stress later.