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Americans are unprepared for the expensive and complex process of aging – a geriatrician explains how they can start planning
The geriatrician says families should prepare for rising care, housing and legal costs before retirement or a health decline.
Geriatrician and medical educator Kahli Zietlow urges Americans to proactively plan for aging costs, warning that nearly 70% of older Americans will require long-term care in their lifetime.
Data from the U.S. Census Bureau shows 46% of adults over age 75 live with at least one physical disability, while assisted living averages $4,800 per month and nursing home beds cost $276 per day.
Only about 25% of Americans over 50 have completed advance directives, legal documents that outline medical preferences and prevent state-appointed guardians from making critical decisions.
Recent federal budget cuts threaten support programs, with the 2025 tax breaks bill reducing Medicaid funding over 10 years and Medicare funding facing potential decreases after January 30, 2026.
Caregivers often face high rates of stress, with support programs offering a 24-hour support line for crises; Zietlow emphasizes individuals must familiarize themselves with available resources to manage aging's universal challenges.