Brandon Landgraf is a digital marketing manager and content creator for Carex Health Brands, a health and wellness brand whose mission is to improve the lives of others. He enjoys writing content that empowers others to live better, be healthier, and lead happier lifestyles.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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Now more than ever, older adults are choosing to age in the comfort of their homes instead of living in assisted living. It makes sense given that it’s more comfortable and familiar, offers more freedom and flexibility, and can be cheaper than assisted living.

While this trend makes complete sense, there are some adjustments and planning that needs to be done prior. Failure to properly prepare for aging in place can result in financial, mental, and physical damage.

We’ve compiled this list of common aging in place mistakes to help you stay safe and protect all that is most important to you. One of the biggest ways to properly prepare to age in place is to make sure you have the correct life insurance plan.

With just a little digging you will quickly realize that not all life insurance policies are the same.

Plus, for those choosing to age at home, life insurance isn’t the only coverage you need to keep up to date. You likely need home insurance too. Even if you borrow a family member’s car and only drive occasionally, auto insurance is still required by law in most states.

If you need life, home, or auto insurance coverage, we’re here to help. Use our tool to get free quotes and compare policies from a variety of companies in your area today.

Mistake #1 – Having No Financial Plan

Finances are perhaps the most crucial component of aging in place, especially after retirement. Make sure you have a financial plan in place that gives you enough savings for emergencies and last-minute repairs.

It’s also important to ensure you have a steady cash flow that covers all bills including electrical, home insurance, food, and more.

If you find yourself struggling to plan, try meeting with a financial advisor or someone you know and trust to come up with a plan. Keep in mind the lifestyle you want when deciding to age in place as well as what current and future bills you may have.

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Mistake #2 – Not Visiting the Doctor Regularly

This poor decision can lead to avoidable health complications.

Being healthy is the most important requirement to successfully age in place.

If your health is poor, then chances are you won’t be able to take care of yourself and remain independent, and you may have an issue finding voluntary health insurance.

Start going to the doctor regularly to stay on top of your health so you can ensure a good future for your well being. If you’ve been diagnosed with a health condition, make the necessary changes in your life to remain independent as long as you can.

Mistake #3 – Being Physically Lazy

As people grow older, many begin to take on stereotypical old age activities such as watching TV all day, staying inside, and doing mindless activities. The truth is, these types of activities are not good for your health.

Not staying active and keeping your mind busy can result in additional health issues and force you to become dependent on others for care.

There are many workout routines and activities created for older adults that are easy on your body. Try getting into a routine to remain active as you age in place. Daily exercise will keep you healthy, happy, and independent.

You don’t have to take my word for it . . . Check out this healthy living advice from a 102 woman; she shares her secrets to achieving longevity.

Mistake #4 – Failing to Properly Modify Your Home

As we age, our bodies become slower and more frail resulting in us not being able to do certain movements we once were able to do. Many older adults fail to realize this and don’t make the proper home improvements to meet their needs.

Installing simple items such as grab bars, shower chairs, and other daily living aids can help make living alone much more manageable.

It’s also important to consider making other extensive home modifications such as widening halls and installing a wheelchair ramp outside if needed.

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Mistake #5 – Refusing to Spend Money

Many older adults do a great job of saving for the future. However, when it comes time to spend money on essential needs, they become reluctant to do so. Rightfully so, spending money in retirement can be nerve-racking.

Among other things, being retired means you need to make sure you have a good retirement life insurance company to take care of your family after you pass.

It’s important to be willing to spend money on things one needs to have a good quality living situation. It’s also essential to spend money on yourself when it can help keep your spirits and mental health up.

Speak with a loved one about your worries when you feel like saving instead of spending. They can help you make those tough decisions with an outside perspective.

Mistake #6 – Lacking a Plan for Emergencies

Emergencies are not a fun thing to happen, especially with older adults. Older adults are not as able to take on health issues compared to younger adults. Adults aging in place often don’t plan for health emergencies. It’s important to have a plan in place should something happen.

A proper emergency plan will include who to call, who would take care of you, where you’d live if you become incapable of living alone, and what happens should you pass away.

Having these plans in place will make you feel more secure, safer, and help others to be more aware and prepared.

Mistake #7 – Not Changing Eating Habits

The sad truth is, as we age, our bodies are not able to consume and digest junk food as they once were. Healthy aging requires changing eating habits. As we grow older, our bodies require fewer calories because we’re less active. Making the necessary changes to your diet can make a significant difference in your health. Try these nutritional changes for aging adults.

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Mistake #8 – Not Having the Right Insurance

It is never too late to make sure you have life insurance. However, you need to make sure you have the right kind of life insurance policy. There are two main types of life insurance – term and whole life insurance.

You also should consider who will be the beneficiary of your life insurance policy, and what the policy limit is. That will depend on how much money you can pay into the policy.

Avoid Aging in Place Mistakes

Aging in place is one of the more exciting things to look forward to as we get older. It can make retirement a lot easier, save you money, and give you a lot more freedom. Avoid these mistakes by having a solid plan, staying on top of your health, making the proper home modifications, spending on necessities, and planning for emergencies.

By being prepared, you can help keep yourself independent, maintain your quality of life, and make retirement a lot more fulfilling. Make sure your insurance needs are taken care of by using this free quote tool to compare policies now.