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Marita Ellers* was lucky. Her parents lived three blocks away in Greater Detroit. She enjoyed a close relationship with them and could tend to their needs as they continued to age, which was well into their 90s. They both passed away when Marita entered her 60s as she helped with their hospice care needs. But having never married, and with only a chronically ill brother and sister-in-law living in Seattle, reality set in when Marita needed major surgery which would incapacitate her for weeks or possibly months.
Unlike her parents who had her to depend on, Marita had no one. Of course there was her circle of friends, but as it turned out most were married. She’d never thought about cultivating relationships with single people; it had just never occurred to her. Her married friends had busy lives of their own with spouses, adult children, and grandchildren, and the last thing Marita wanted to do was impose on them during a long recuperation.
Ellers is part of a growing trend of “elder orphans” and “solo agers”: individuals ages 55-plus who live alone without a spouse, partner, children, or other family around at all, or if they are around, they cannot be relied upon sometimes due to family dynamics. In short, these individuals have no real support network—no safety net. In a survey of 500 elder orphans, nearly 70 percent hadn’t identified someone to help them with health problems, while 35 percent had no friends or family to begin with who could help.
Studies show the demographic’s numbers are on the rise and the group is so ubiquitous, it even has its own Facebook page with nearly 10,000 members to provide support through shared experiences. If you fall into this category, what are some of the steps you can take to prepare for successful aging?
Planning to Live as a Solo Ager
The best kind of plan for almost anything is, naturally, to plan. If we don’t do that, we may leave critical decisions to disconnected relatives, acquaintances, or ultimately overburdened, court-appointed strangers who have no idea what we need and want. Considering herself staunchly independent, Marita’s lack of planning was twofold: she was in denial about her own aging process, and at the same time she figured the experience of seeing her parents through life’s end stages would enable her to apply all that knowledge to herself if the time came.
While in some respects her experience puts her a step ahead of many of her contemporaries, her reasoning does not allow for what can happen when her mobility is compromised, cognitive capacity is diminished, or myriad other conditions where she may need more help than she can give to herself. Marita’s upcoming surgery was a wake-up call, making her acutely aware of what steps she should have taken and scrambling to put as many as possible in place.
Understand the Levels Between Senior Independence and Assisted Living
Yes—face things and research them, laying them out as early and comprehensively as you can. Avoidance will only get you so far. The antidote for anxiety, feeling isolated, and depression—three issues elder orphans and solo agers have expressed are problems for them—is action. Goethe said, “Be bold, and mighty forces will come to your aid.” Keren Brown Wilson, known as the pioneer of assisted living, says there are many steps and levels between independence and dependence. She recommends interdependence: a mutual reliance on one another on the path to better aging.
Think about trained caregivers for when you may need help with activities of daily living (ADLs) and a fiduciary or senior care advisor for your financial needs including Long-Term Care insurance. Go out and cultivate friendships if you don’t already have them with other elder orphans or solo agers. People in similar situations may have more time to give you if the need arises, as you can give to them.
Build a Senior Support Network That Works
If you don’t know how to go about something, network with people in your community. This may include professionals and others you know at work, where you volunteer, doctors, dentists, lawyers, librarians, teachers, salon and store owners, as well as neighbors. We all age and ahead of that most of us have aging parents or had parents who got up in years. That kind of personal experience is invaluable in terms of recommending others they trust who can help you put things in order now and down the line.
Communities for Successful Aging—Get Involved!
With the rising tide of graying Baby Boomers, city and business leaders and policymakers need to embrace the task of developing solutions for better aging. This needs to be done on a nationwide basis. Elder orphans and solo agers are affected at even deeper levels than their counterparts who are surrounded by family and friends in a position to help. In some locations, there are more resources already in place in the realm of affordable transportation, technology training, respite care, senior advocacy, nutrition oversight, and home health care. But we have a long way to go.
If you are an elder orphan or solo ager looking for involvement in your own community, turning your attention to the cause can bring awareness and even expedite results from which everyone can benefit.
(* Name has been changed for purposes of anonymity.)
Aging should be about enjoying the comfort of homenot worrying about whether its still safe to live there. At TruBlue, we believe every senior deserves to feel confident, supported, and secure in the home they love. Thats why we provide professional home safety modifications and ongoing home maintenance, tailored specifically for older adults who want to age in place with dignity.Aging in Place Is the GoalBut Safety Comes First75% of adults aged 50 and older want to remain in their current homes as they age, according to a 2024 AARP study.But most homes werent designed to support long-term independence. Even small updates like adding grab bars, improving lighting, or adjusting door thresholds can dramatically reduce fall risk and make daily activities easier.Thats where TruBlue comes in.What Senior Home Modifications Can IncludeEvery home is different. Our team takes time to assess each space and recommend modifications that truly make a difference. Some of the most impactful changes we offer include:Grab bars and safety rails in bathrooms and stairwaysZero-threshold entries and widened doorways for walkers or wheelchairsNon-slip flooring to reduce fall risksImproved lighting in dim or high-traffic areasSmart door handles and lever fixtures for easier useThese adjustments dont just improve safetythey empower seniors to live with more ease, comfort, and confidence.Trusted, Compassionate TechniciansTruBlue technicians are trained, background-checked, and many are certified through Age Safe America, so you can feel confident youre working with professionals who genuinely care. We treat every project like its for our own familybecause thats the TruBlue way.Were not just handymen. Were your Home Ally here to make sure every senior feels secure, supported, and seen.Ongoing Support with the Maintenance PlanModifying a home for safety is just the start. Ongoing upkeep can be just as important for long-term peace of mind. Our Maintenance Plan offers:Quarterly home checkupsProactive seasonal maintenanceA trusted technician you can count onPriority scheduling when issues ariseIts a simple, stress-free way to ensure a home remains safe and well-maintained, without burdening family members.Start a Conversation TodayWhether youre helping a parent stay independent or planning for your own future, TruBlue is here to help. We make it easier to age in place, safely and confidently with services you can trust and people who truly care.Lets create a safer home together.
Suppose youre an early retiree living on a fixed income. In that case, 2026 brings confirmed changes you need to understandespecially around staying under the 400% Federal Poverty Level (FPL) to maintain ACA premium subsidies.The Two Key Updates:Enhanced ACA tax credits will expire after 2025.Congress has now passed legislation letting the expanded premium tax credits (originating in the American Rescue Plan and extended by the Inflation Reduction Act) lapse beginning in 2026.The subsidy cliff returns in 2026. With enhanced credits eliminated, the traditional cutoff at 400% FPL is reinstated, and crossing that threshold could result in the loss of all subsidy eligibility, leading to significant premium increases. What Early Retirees Should Know On-Exchange (Marketplace) Plans:Subsidy eligibility will once again be limited to households at or below 400% FPL. Exceeding that income level in 2026 could mean losing all premium assistance and facing significantly higher costs.Off-Exchange Plans:These are direct-to-carrier, full-price planswith no subsidies or Marketplace involvement. Silver options might offer better pricing directly through the carrier than on the Marketplace.Consider Smart Income Planning:To retain subsidies, many early retirees are working with both their broker and financial advisor to manage how income is recognized throughout the yearsuch as timing withdrawals or shifting income sourcesto remain under the 400% FPL threshold.This is not financial advicejust a reminder to consult trusted professionals. Aligning your retirement income strategy with your healthcare needs can help maintain premium support until you become eligible for Medicare.Why It Matters:Exceeding 400% FPL in 2026 could result in hundreds of dollars more per month in premiums.With no Medicare yet, coverage costs could remain high for years.Thoughtful income planning now can preserve subsidies during your critical early retirement years.Final Thoughts:As an early retiree, planning is essential. Your health coverage and income are deeply interconnected, primarily through 2026 and beyond.To navigate these changes successfully:-Consult both your financial advisor and your health insurance broker-Monitor your FPL percentage annually.-Strategize income timing and coverage decisions together. If youd like to explore your optionsor are curious how this applies to your householdplease feel free to reach out to us at Baker Consulting Services at 724-594-7648.
If you or a loved one needs more hands-on care, living assistance can help put your mind at ease. Living assistance is flexible, personalized, and fosters a safe home environment while maintaining a sense of independence and privacy. It can give you or your loved one the freedom to make everyday choices and receive a helping hand whenever needed.At St. Barnabas, we understand that the transition from full to partial independence isnt easy and how important it is to ensure your needs and preferences are both addressed. Here are a few ways living assistance is provided without intruding.Receiving Help As NeededEncouraging independence is one way to foster non-intrusive assistance. At a senior living assistance campus, the staff is always available to lend a hand without eliminating decision-making. You or your loved one can retain a sense of autonomy by participating in the daily tasks and chores and receiving help on an as-needed basis. Intervention comes in varying degrees, depending on individual ability. A personalized care plan may include: Incontinence support Wheelchair assistance Medication management Help with grooming, dressing, and bathing Wound, ostomy, or catheter care Care staff is attentive and sensitive to your needs, and they can offer a little help throughout the day or when needed. By participating in daily activities, you or your loved one can plan your day based on your personal preferences.Collaborative SchedulingAs an alternative to making a pre-set schedule and asking the resident to stick to it, working together to create a personal care plan that suits everyone can be beneficial. When it comes to weekly meals, exercise routines, and social activities, residents have the freedom to choose. Maybe they enjoy hearty, home-cooked meals, or perhaps they like to do stretching exercises versus walks. Wherever passions lie, the staff can incorporate those into the regular daily routine to help encourage healthy living and socialization in ways that suit personal preferences.Collaborating with staff can also ensure that activities are both enjoyable and safe. When a resident cant do an activity they love, the team can work with them to find ways to feel that same sense of joy without putting them in danger.Respecting Boundaries and Private SpacesSpending time alone gives us a chance to relax, decompress, and gather our thoughts. In a living assistance care center, its imperative that residents still have some time for themselves. Caregivers respect boundaries and private spaces. Before entering a room, they knock on the door and wait for the resident to respond. Designating a private area for residents to turn to when they feel overwhelmed also aids in creating independence and ultimately gives them a space to de-stress and unwind.Places like the bathroom or shower are understandably uncomfortable areas for intrusion, so caregivers are sure to give residents the space they need to complete these tasks in private. The staff still makes sure the resident is safe by remaining nearby and listening for signs that something may be wrong. Learn More about Living Assistance at St. Barnabas Serving the Greater Pittsburgh, Pennsylvania area, including Allegheny, Beaver, and Butler counties, St. Barnabas is here to give you the support you need. With a dedication to providing comfortable and compassionate living assistance services, you can count on us for all of your care requirements. To learn more about our senior living assistance program, contact us today.
Chad and Vicki Craig, owners of Amada Senior Care Pittsburgh Northwest, both share a lifelong passion for serving our senior population. Having spent the last 25 years of their professional careers in advanced healthcare technologies for older adults, they understand the importance of providing the highest quality care at home so that our loved ones can age in place safely and happily.For both Chad and Vicki, providing quality care to support senior independence at home isnt just a passion, but a calling. Their appreciation for and dedication to our cherished elder community began at a young age. As a child, Chad would often choose to visit residents of a senior facility neighboring his home over playing kickball outside with friends his own age. When his father, a WWII veteran and amputee, was transitioned to a memory care facility for dementia, Chad didnt know about the options available that could have allowed his father to spend his last days enjoying the comforts of his own home. I felt guilty after my dad passed because I was not aware that I could have brought him home where he could have been in a familiar place surrounded by family, Chad recalls. Vicki experienced a very similar situation with her own grandmother, who declined quickly after she was moved from her own home to a care facility.Personalized Care for Seniors and Families in Pittsburgh NorthwestRecognizing that well-vetted, committed caregivers are a necessity to safely aging in place, Chad and Vicki felt compelled to start their own senior home care business. Chad, Vicki and the entire Amada Senior Care team have devoted themselves to delivering the highest quality of compassionate elder care. Their extraordinary level of service is the reason why Amada Senior Care Pittsburgh Northwest has a reputation for providing in-home caregivers who exceed client expectations, along with the highest rating (A+) from the Home Care Standards Bureau, the industrys standard-bearer.Chad, Vicki and the rest of the Amada Pittsburgh Northwest team couldnt offer the exceptional quality care that they do without investing time and effort into pairing trained and knowledgeable Amada caregivers with senior clients to promote their well-being and health. Their process of offering excellent caregiving assistance includes regularly checking with their senior clients and families to ensure that individual care needs and preferences are being met. Chad, Vicki, and the Amada Pittsburgh Northwest team are just as diligent in offering expert financial advisory services to help seniors and their families navigate the complexities of Long-Term Care insurance (LTCi) policies and VA benefits.We invite you to contact us at Amada Senior Care Pittsburgh Northwest to learn more about how we can be of service to help your senior loved one age with dignity and respect, while giving your family the peace of mind they deserve. We exist to enrich seniors lives by helping them retain independent living for as long as possible, and our services include providing funding solutions on how to pay for in-home care. It is our pleasure and honor to serve.Specialized Care by Amada Pittsburgh NorthWestWhen senior loved ones need assistance to manage health conditions, our trained caregivers at Amada Pittsburgh NW can address their unique needsFamilies can feel confident that Amada Pittsburgh NW caregivers have the training and education necessary to provide the specialized care meeting the individual needs of seniors who are contending with health challenges. Is your senior loved one recovering from a stroke? Does your spouse or another family member suffer from Alzheimers or dementia? Is your family trying to help an aging loved one manage symptoms of congestive heart failure (CHF), diabetes, Parkinsons or another chronic condition?Assisting Senior Patients Diagnosed with Alzheimers or Dementia According to the Alzheimers Association, nearly 6.5 million Americans were living with Alzheimers or another form of dementia as of 2022. A progressive disease that destroys memory and other key mental functions, Alzheimers and other forms of dementia impact not only the senior patient but the entire family, which is where Amada Pittsburgh NW comes in. Our team of dedicated and compassionate caregivers at Amada Senior Care Pittsburgh NW are highly skilled and trained in supporting activities of daily living (ADLs) and special pursuits and activities far and above the ordinary, thus bringing to our senior clients a sense of fulfillment and joy in their everyday lives. Supporting Senior Clients to Manage Symptoms of Parkinsons Disease There is still no cure for Parkinsons disease, a brain disorder characterized by shaking, stiffness, difficulty walking and talking, and balance and coordination issues. The symptoms of Parkinsons typically begin on a gradual basis worsen over time, so families can expect that a loved one diagnosed with the disease will need assistance with activities of daily living (ADLs) at some stage of this progressive disease. The professional caregivers at Amada Pittsburgh NW are trained and well-versed in how to assist seniors and other adults who are managing life with Parkinsons. Amada caregivers can help adapt the home environment, help monitor systems and communicate changes to the care team and family members, provide medication reminders, assist with prescribed exercises, and much more. Dedicated Respite Care for Families When a Senior Loved One is in Hospice When a senior loved one begins the journey of hospice care, an increased level of care and responsibility naturally come along with the familys deepening concerns. Whats required of the family can be unrelenting and exhausting in ensuring their beloved elders last weeks and days are filled with comfort and dignity. Amadas expert, compassionate caregivers can provide a much-needed respite from the continuous care and extreme mental and emotional output that accompany the final passage. With emotions running high, family members often neglect their most basic needs including showering, eating and sleeping. The option to step away for a brea can provide family members with the opportunity to rest, refresh and regroupknowing their parent, grandparent or spouse is in excellent handsreturning better able to be fully present with their loved one. Call 724-318-6668 to speak with one of our senior care advisors and find out more about how we can help either you or a senior loved one. Click on the links below to learn more about how Amada caregivers can help senior clients manage symptoms of various disease states. Alzheimers and Dementia Congestive Heart Failure COPD Diabetes Hypertension Parkinsons Stroke Recovery