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Ask Dr. McKinley: How do I know it’s time to start considering senior living—and not just think about it?

Including a first-hand account of how she dealt with a dad who had Parkinson's and a mom who had cognitive issues.

Smart Senior Daily is beginning a new series of Q&As with nationally recognized expert in elder care Dr. Carol McKinley, President and CEO.of Simpson. In this series, she will answer the most frequently asked questions that seniors and families may have about senior living. This in our first installment.
Question: How do I know it’s time to start considering senior living—and not just think about it?

I’m often asked this question when people learn that I lead a senior living organization. Many of us have watched parents or loved ones move into a senior community too late to truly enjoy what it offers, particularly the social connection, sense of purpose, and engagement that are central to a fulfilling life. Others remain in their longtime homes only to see their neighborhoods change, gradually losing neighbors, familiarity, and informal support systems.

So, when is the right time to consider senior living?

I believe people should begin exploring senior living options while they are still healthy and energetic, and able to thoughtfully research communities that align with their values, interests, and vision for the next chapter of their lives. Making this decision becomes far more difficult when chronic health issues arise, support systems shrink, or circumstances force a rushed choice following an unexpected event.

Ideally, this exploration happens when you have the clarity to ask the right questions, the energy to visit communities, and the support of family or trusted advisors. Planning ahead allows you to choose, not react.

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An eye-opening backstory

I’ve seen this firsthand, both professionally and personally. My parents waited until their late 80s to move to a senior living community, and by then, the move was driven entirely by necessity. My father had advanced Parkinson’s disease, and my mother was developing cognitive impairment.

Despite many visits to retirement communities over the years, they couldn’t bring themselves to make the move earlier. Like many people, they loved their home, even as their neighborhood became unfamiliar and their health needs intensified.

Our family—living at a distance—arranged in-home care, but frequent staff changes and missed visits quickly made it clear this was not a sustainable solution. The stress and worry only escalated. Eventually, my siblings and I faced the painful reality of having to make the decision for them. While everyone understood it was necessary, it was emotionally exhausting for all involved.

That experience might have been very different had there been open conversations and advance planning. There were many options that could have supported the life my parents wanted during that season—had they been willing to explore them earlier.

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The "when" that works best

We often see that people who wait too long struggle more with the transition. Chronic health issues can limit participation, making it harder to form new friendships or engage in new experiences. My parents shared later that they wished they had moved sooner, when they could have enjoyed more of the community’s offerings.

By contrast, those who plan ahead tend to thrive. They take time to define what matters most to them, research communities that align with those values, and make intentional choices. As a result, they integrate more easily and often find themselves in a place they truly love and call home.

Dr. Carol McKinley

Dr. Carol McKinley

Dr. Carol McKinley is president and CEO of Simpson, a Pennsylvania regional retirement system, with three communities in the region. A noted expert in elder care, she received the Paul P. Haas Lifetime Achievement Award from LeadingAge Pennsylvania.

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