Arizona Tribune - OneMain Financial: Aging in Place: Home Modifications for Senior Living

The good news is that a few simple modifications can allow seniors to stay safe and happy in their homes. While these renovations can be costly, loans for home improvement may make them more affordable. Here's a look at several must-have home modifications for senior living.

Handrails

Due to balance and mobility issues, it can be difficult for older adults to climb the stairs or walk around their homes unassisted. That's where handrails come in. Handrails can allow them to move around confidently and significantly reduce their risk of falling. The most common places for handrails are in hallways, stairwells, and alongside kitchen counters, where older adults may need to stand for long periods to prepare meals.

Flooring

Old, worn flooring could have curled carpet edges or cracked tiles, which pose serious hazards for seniors. If flooring presents a fall risk, it may make sense to fix the problem spots or replace it entirely. There are many types of flooring options to consider, but soft, slip-resistant flooring like vinyl, cork, rubber, and low-pile carpet are ideal for those who are aging in place.

Ramps

Ramps can be a real lifesaver for seniors with limited mobility. In fact, they're often essential for older adults who get around using a wheelchair or have difficulty climbing stairs. Ramps can be permanent or portable and made of aluminum, foam, rubber, and concrete to accommodate a variety of budgets, needs, and preferences.

Bathroom modifications

There's no denying that bathrooms are full of safety hazards for people of all ages, especially seniors. Older adults may want to invest in handrails, shower benches, non-slip decals for the shower, single lever faucets, and raised toilets to increase their safety. With these improvements, older adults can feel more confident navigating wet floors, tight spaces, and hard surfaces.

Technology

Technology can do wonders for an older adult's living space. To make their home safer and more accessible, seniors may want to explore smart home technology, smart thermostats, specialized smoke alarms, and medical alert systems. These devices can help seniors perform actions using their voice or a user-friendly app on their smartphone. Advances in technology can make it easier for older adults to turn lights on and off, set the temperature, or even remember the oven is on. Many of these devices are user-friendly, so anyone, including seniors with limited technical experience, can figure them out.

How to pay for aging-in-place modifications

While home modifications for seniors are essential if they wish to age in place, they can cost hundreds or even thousands of dollars. Fortunately, these tools and resources may make it easier for older adults to afford them.

• Home improvement loans: Seniors can use a home improvement loan to borrow a lump sum of money upfront and repay it with interest through fixed monthly payments. Older adults can apply for these loans at banks, credit unions, and online lenders.

• Medicare/Medicaid: A government program like Medicare or Medicaid might help offset the cost depending on the home modification and if it's deemed medically necessary. Although receiving coverage through Original Medicare can be difficult, Medicare Advantage plans may pay for certain home modifications, so it's important to consult the insurance provider to see what's covered.

• State and local programs: Some states and local municipalities have programs for seniors who want to modify their homes to increase their safety. Older adults and their loved ones can research to find out what's available to them.

A safe, secure home is within reach

With several thoughtful home modifications, senior citizens don't have to resort to nursing homes and assisted living facilities if they still feel they can live independently. It's critical for seniors to work with healthcare providers and loved ones to assess their home's safety and livability before making any renovations to support aging in place.

Sources: https://www.assistedliving.org/home-modifications-for-seniors-aging-in-place/

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About OneMain Financial

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OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans.

CONTACT:

Sonakshi Murze
Manager
[email protected]

SOURCE: OneMain Financial

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