@hg8727 wrote:
What resources are available for such people to negotiate the inevitable difficulties of old age, especially if one cannot afford independent or assisted living but whose house no longer has a mortgage. It would be great if you devoted an article to this minority.
Aren't you talking about having a caregiver or even shifts of them come into your home to care for you? There are services that do that - they can do it a few days a week or be there every day - even 24/7. They cook, light housekeeping, help with any ADL, they may take you to your appointments or buy groceries for you. The more hours / the more care / the more it cost.
If you have a home, especially one that has no mortgage, you could always sell it and use the proceeds to pay for independent living or assisted living.
Assisted living works on a care scale - room, board, some amenities are included in the base price. Also included would be a care level of just checking on you or perhaps just giving some minor help type care. Then as time goes on, more ADL care may be needed and the price goes up depending upon the care level needed. When it gets to the higher level, the assisted living facility may advise you or your family that your care level is higher than their staff can handle - just depends on the need.
if you need little care or perhaps only help
It's Always Something . . . . Roseanna Roseannadanna