Rajiv Nagaich is an elder law attorney, author, adjunct law school professor, and retirement planning visionary who has achieved national recognition for his cutting-edge work with retirees and his contributions to the practice of elder law. He is the founder of two firms based in Federal Way: Life Point Law, an elder law and estate planning firm, and AgingOptions, a firm that provides retirement-related education to consumers and professionals.

Rajiv Nagaich is an elder law attorney, author, adjunct law school professor, and retirement planning visionary who has achieved national recognition for his cutting-edge work with retirees and his contributions to the practice of elder law. He is the founder of two firms based in Federal Way: Life Point Law, an elder law and estate planning firm, and AgingOptions, a firm that provides retirement-related education to consumers and professionals.

You aren’t the only one concerned about ending up in a nursing home | Senior Lifestyles

  • Tuesday, November 23, 2021 11:00am
  • Life

Dear Rajiv: My wife and I are both 59 years old and in good health. We are starting to think about where we will live after we retire in a few years. We don’t want to end up in nursing homes like our parents did when they got old and sick. What should be doing now to prevent that from happening to us? Signed, Worried.

Worried, thank you for this question. You aren’t the only one concerned about ending up in a nursing home. According to a 2019 poll from Nationwide Retirement Institute, more than half of adults over age 50 say they would rather die than be forced into skilled nursing care. Yet research from Stanford University shows us that 70% of Americans end up dying in institutional settings.

That’s a big disconnect.

Fortunately, you are asking the right question at the right time. If you start planning now, it is entirely possible to avoid having to move into a nursing home when your health fails.

When it comes to choosing a place to live in retirement, I advise my clients to think about where their last home will be. Think of it as your “forever” home. This is the place you can continue to live no matter what happens with your health. If you become incapacitated, you won’t have to move into a care facility because you will have arranged in advance for the care to come to you.

Your forever home can be anyplace that is age friendly: your current home, a more appropriate home, a mother-in-law unit in your child’s home, or a retirement community. You just need the assurance that you won’t have to move when your health fails.

The issue then becomes one of timing. When should you move into your forever home? The best time to make the move is when you still have about eight to ten years of good health ahead of you. Since no one has a crystal ball, you will have to give it your best guess. Research on this subject points to age 75 as the ideal time to be in your forever home, but it depends on your individual health circumstances. If you’re still climbing Mount Rainier at age 75, you may be able to push it out to 80. If you are not healthy at 65, then you should probably be in your forever home by age 70. In any case, early planning is key.

Rajiv Nagaich is an elder law attorney, author, adjunct law school professor, and retirement planning visionary who has achieved national recognition for his cutting-edge work with retirees and his contributions to the practice of elder law. He is the founder of two firms based in Federal Way: Life Point Law, an elder law and estate planning firm, and AgingOptions, a firm that provides retirement-related education to consumers and professionals. For more information, visit AgingOptions.com, LifePointLaw.com or call 877-762-4464.


In consideration of how we voice our opinions in the modern world, we’ve closed comments on our websites. We value the opinions of our readers and we encourage you to keep the conversation going.

Please feel free to share your story tips by emailing editor@issaquahreporter.com.

To share your opinion for publication, submit a letter through our website https://www.issaquahreporter.com/submit-letter/. Include your name, address and daytime phone number. (We’ll only publish your name and hometown.) We reserve the right to edit letters, but if you keep yours to 300 words or less, we won’t ask you to shorten it.

More in Life

Rajiv Nagaich is an elder law attorney, author, adjunct law school professor, and retirement planning visionary who has achieved national recognition for his cutting-edge work with retirees and his contributions to the practice of elder law. He is the founder of two firms based in Federal Way: Life Point Law, an elder law and estate planning firm, and AgingOptions, a firm that provides retirement-related education to consumers and professionals.
You aren’t the only one concerned about ending up in a nursing home | Senior Lifestyles

Dear Rajiv: My wife and I are both 59 years old and… Continue reading

2022 Mini Cooper S 2-door. Courtesy photo
Car review: 2022 Mini Cooper S 2-door

By Larry Lark, contributor They don’t come around very often, but when… Continue reading

2022 Infiniti QX60 Autograph
Car review: 2022 Infiniti QX60 Autograph

By Larry Lark, contributor If you want your SUV to make a… Continue reading

2022 Telluride Nightfall Edition
Car review: 2022 Kia Telluride

By Larry Lark, contributor Big, bold and boxy, that’s the newly tweaked… Continue reading

2021 Jeep Grand Cherokee L Overland
Car review: 2021 Jeep Grand Cherokee L Overland

By Larry Lark, contributor With almost 30 years and four generations under… Continue reading

2021 Toyota Sienna Platinum hybrid minivan
Car review: 2021 Toyota Sienna Platinum hybrid minivan

By Larry Lark, contributor Minivans. They were at the top of the… Continue reading

2021 Honda Ridgeline AWD Sport
Car review: 2021 Honda Ridgeline AWD Sport

By Larry Lark, contributor Honda’s Ridgeline is the perfect vehicle for anyone… Continue reading

2021 Genesis GV80 Prestige
Car review: 2021 Genesis GV80 Prestige

By Larry Lark, contributor Genesis is branching out. With the introduction of… Continue reading

2022 VW Taos
Car review: 2022 VW Taos

By Larry Lark, contributor You know a market category is “hot” when… Continue reading

2022 Ford Bronco Sport
Car review: 2022 Ford Bronco Sport

By Larry Lark, contributor Enough time as past, since the OJ slow… Continue reading

2021 Mercedes-Benz GLA35
Car review: 2021 Mercedes-Benz GLA35

By Larry Lark, contributor The new 2021 Mercedes-Benz GLA35, the eighth model… Continue reading