{"id":320882,"date":"2025-11-11T13:59:49","date_gmt":"2025-11-11T18:59:49","guid":{"rendered":"https:\/\/www.reviews.com\/?p=134654"},"modified":"2025-11-11T13:59:49","modified_gmt":"2025-11-11T18:59:49","slug":"home-modifications","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/home-modifications\/","title":{"rendered":"Home Modifications for Seniors and People With Disabilities"},"content":{"rendered":"\n

As of 2023 American Community Survey<\/a> estimates, about 17.7% of people in the U.S. are ages 65 or older, and roughly 2% are 85+. Census projections indicate the 85+ group will expand rapidly in coming decades as longevity improves and large cohorts survive to advanced ages (2023 National Population Projections<\/a>). Falls remain a leading cause of injury for older adults living in the community; evidence shows that targeted home modifications can reduce fall risks (Cochrane review, 2024<\/a>).<\/p>\n\n\n\n

Disability measures differ by data source. In the ACS (Census) disability characteristics<\/a>, about 13\u201314% of the civilian noninstitutionalized population (all ages) has a disability. In CDC\u2019s adult surveillance, about 1 in 4 U.S. adults reports at least one disability, reflecting different methods and an adult-only sample (CDC BRFSS\/DHDS<\/a>). ACS is best for all-ages population counts; BRFSS is used for adult public-health monitoring and state comparisons.<\/p>\n\n\n\n

With so many people affected by disability, modifying homes to support independence and safety is common. Costs vary widely by scope and location, but federal, state, and nonprofit programs can help, and some energy or health-related upgrades also qualify for rebates or coverage, reducing out-of-pocket expenses (US DOE Home Energy Rebates<\/a>; HUD Older Adults Home Modification Program<\/a>).<\/p>\n\n\n\n

In this article:<\/h2>\n\n\n\n

\u2022 Home Modifications<\/a>
\u2022 Paying for Home Modifications<\/a>
\u2022 Medicare and Medicaid<\/a>
\u2022 Grants and Assistance<\/a>
\u2022 Tax Deductions<\/a>
\u2022 Special Note for Renters<\/a>
\u2022 Insurance<\/a><\/p>\n\n\n\n

Older adults are more likely to have functional limitations: roughly one\u2011third of people ages 65+ report at least one disability, with ambulatory (mobility) and hearing difficulties the most common; independent living and self-care difficulties also rise at older ages (ACS S1810, 2023<\/a>). Consistent with this, home modifications that add handrails, improve lighting, and remove trip hazards are associated with meaningful reductions in falls among community-dwelling older adults (Cochrane review, 2024<\/a>).<\/p>\n\n\n\n

Home Modifications<\/h2>\n\n\n\n

Designing for accessibility helps people remain safely at home. Universal and \u201clivable\u201d design elements\u2014such as zero\u2011step entries, wider door clearances, curbless showers, non\u2011slip flooring, layered lighting, and lever handles\u2014are increasingly mainstream in 2025 projects (NKBA 2025 Design Trends<\/a>; ANSI A326.3 DCOF guidance<\/a>). Smart\u2011home features (voice control, motion\/radar occupancy sensors) and leak\/fall\u2011prevention technologies further enhance safety and independence (Matter 1.5<\/a>; EPA WaterSense<\/a>).<\/p>\n\n\n\n

Here are some key home modifications that can make a big difference:<\/p>\n\n\n\n

Chairlift\/Stairlift<\/h3>\n\n\n\n

Jim Kabel, owner and general manager of Case Design\/Remodeling<\/a> in San Jose, California, recommends adding a chairlift along the staircase if the home has more than one story. Without a chairlift, Kabel says, many people end up living on the main level since it is too painful to go up and down the stairs. 
Chairlifts (or stair lifts)<\/a> typically run about $2,000\u2013$15,000 for straight runs and $7,500\u2013$20,000+ for curved\/custom, with many installs landing around $6,000\u2013$8,000 based on recent national cost guides (HomeAdvisor\/Angi<\/a>). However, you could get a straight DIY chairlift for approximately $1,900 from AmeriGlide<\/a>, and the company projects a 3-hour installation if you use a competent handyman.<\/p>\n\n\n\n

Stairwell Handrails<\/h3>\n\n\n\n

We mentioned above how many seniors are treated for fall injuries every year. But here\u2019s another way to look at it: evidence syntheses show that adding supports such as secure handrails and removing hazards can reduce falls for older adults living at home (Cochrane review, 2024<\/a>). In homes with multiple levels, it\u2019s critical to install two handrails on every stairway for added stability. And depending on the number of stairways, this project will cost between $300 and $1,500.<\/p>\n\n\n\n

Lighting<\/h3>\n\n\n\n

Lighting is another modification that can reduce accidents, and it can also improve vision. \u201cAdditional lighting helps individuals to see level changes, be able to do task oriented work, and the glare that causes falls is reduced,\u201d says Chicago-based designer Leslie Markman-Stern<\/a>, who modifies homes for seniors and the those with disabilities. It also helps to make the additional light sources easy to reach and control. In 2025, motion-activated pathway\/night lighting, voice-first controls, and even radar-based occupancy sensors enable hands\u2011free lighting\u2014useful for low vision or limited dexterity (Matter 1.5<\/a>; Apple accessibility features<\/a>).<\/p>\n\n\n\n

It\u2019s also easy to see why adequate lighting is especially important at the top and bottom of stairs. \u201cFor good measure, equip the fixtures with motion sensors so the light will come on automatically \u2014 no fumbling for the light switch with a laundry basket in both arms,\u201d DiClerico advises. He says an electrician will charge $100 to $200 for the installation.<\/p>\n\n\n\n

Shower Modifications <\/h3>\n\n\n\n

It\u2019s easier and safer to get into a shower than a bathtub, so renovating the bathroom can help to prevent injuries. Even walk-in tubs may not be the best idea since they have a threshold. \u201cShowers can be modified so one can walk and or roll in (wheelchair) which means there is no threshold to trip over,\u201d Markman-Stern says. \u201cA seat can be added so one can sit in comfortably and the water controls can be operated hands free or by using technology so one doesn\u2019t have to worry about getting scalded from hot water.\u201d For wet areas, specify slip-resistant surfaces meeting a Dynamic Coefficient of Friction \u22650.42 on level interior tile (ANSI A326.3<\/a>) and use thermostatic\/pressure\u2011balancing anti\u2011scald controls. Typical small-to-medium bath remodels run about $6,600\u2013$16,700 nationally, depending on scope and finishes (HomeAdvisor\/Angi<\/a>).<\/p>\n\n\n\n

According to DiClerico, updating the shower to be curbless will typically cost around $2,000. This is also a good place to add grab bars, which can provide additional safety in the bathroom. \u201cExpect to spend about $120 per bar, installed,\u201d DiClerico says.<\/p>\n\n\n\n

Toilets<\/h3>\n\n\n\n

Technology has great potential to make lives easier, and that includes those who want greater independence at home \u2013 and especially in the bathroom. A popular project at the moment is swapping out the existing toilet for a toilet with a built-in bidet that facilitates cleansing for people with limited mobility, DiClerico says. If a full toilet replacement is out of the question, a bidet seat can be purchased for a few hundred dollars to use with an existing toilet, he says. For powered seats, install a GFCI-protected outlet and use backflow-protected connections as best practice.<\/p>\n\n\n\n

Another toilet modification that can make a difference is a comfort height toilet. \u201cHigher or comfort height toilets can be installed for greater accessibility and side transfer from a wheelchair,\u201d Markman-Stern says. Comfort height toilets can make sitting and standing a lot easier, since they have a seat height that is comparable to a standard chair. These toilets cost as little as $100 at The Home Depot<\/a>.<\/p>\n\n\n\n

Touchless Faucets<\/h3>\n\n\n\n

Whether in the kitchen or the bathroom, touchless or touch-free faucets are another smart upgrade.  \u201cThey turn on and off with a wave of the hand, and not only are they easy to use, they can also help reduce the spread of germs,\u201d DiClerico says. Touchless bathroom and kitchen faucets are available at a variety of price points, starting under $100.  For efficiency, specify WaterSense-labeled faucets\/accessories (\u22641.2 gpm) and set temperature limiters to prevent scalds (EPA WaterSense<\/a>).<\/p>\n\n\n\n

If you don\u2019t get a touchless faucet, consider updating it from a knob style to a lever-style, which tend to be easier to operate.<\/p>\n\n\n\n

Wall-Mounted Sinks<\/h3>\n\n\n\n

Wall-hung or wall-mounted sinks can be placed at the desired level to ensure they\u2019re not too high. \u201cDepending on the style chosen, wall-hung sinks can be installed that have a shroud that covers the hot water pipes (under-sink protectors), and this is important for wheelchair users so they don\u2019t burn their knees,\u201d Markman-Stern says.  However, there are other wall-mounted styles that don\u2019t have exposed pipes. Wall mounted sinks start as low as $70 at Lowe\u2019s<\/a>.<\/p>\n\n\n\n

Doorknobs and Levers<\/h3>\n\n\n\n

Other modifications to improve accessibility include changing door knobs to lever handles. Levers are much easier to open if you have limited strength in your arms or hands. DiClerico says this modification should cost $100 per unit, including the cost of the handle. Voice or large\u2011paddle controls for lighting and smart locks are increasingly used to reduce grip\/precision demands (NKBA 2025<\/a>).<\/p>\n\n\n\n

Countertops and Storage<\/h3>\n\n\n\n

\u201cI also recommend having at least one countertop surface that is no more than 34 inches above the floor, down from the traditional 36 inches, so that someone in a seated position can prepare food,\u201d DiClerico says. You should also remember the \u201cnose to knees\u201d rule. \u201cCreate storage options for often-used items, especially heavy or awkward ones, between the nose and knees, so seniors or those with disabilities don\u2019t have to stretch far or bend down low when retrieving them,\u201d he says. \u201cInstalling pullout drawers in lower kitchen cabinets also improves accessibility.\u201d In 2025 remodels, multi\u2011height work zones, pull\u2011outs, side\u2011opening wall ovens, and induction cooktops (cool-to-touch) are commonly specified for safety and reach (NKBA 2025<\/a>).<\/p>\n\n\n\n

Flooring<\/h3>\n\n\n\n

Floor modifications can limit falls and make it easier to navigate walkers and wheelchairs. \u201cFlooring can be installed that is not slippery and good for the spine such as wood, vinyl or bamboo, or low-level carpeting for greater mobility,\u201d advises Markman-Stern. According to Home Advisor<\/a>, installed flooring costs vary by material and region; current national ranges commonly fall around $2\u2013$6 per sq. ft. for resilient vinyl\/LVP, $3\u2013$7 for carpet, and $6\u2013$12+ for hardwood, but always confirm locally with multiple bids. For safety, select matte\/texture finishes in wet zones and target tile with \u22650.42 DCOF on level interior surfaces (ANSI A326.3<\/a>).<\/p>\n\n\n\n

Markman-Stern also explained how color contrast for floors versus walls, and even the treads and risers on stairs (the horizontal steps, and vertical panels behind them), can help improve the ability to see level changes.<\/p>\n\n\n\n

Vibrating and Flashing Devices<\/h3>\n\n\n\n

Vibrating and flashing devices can be installed to help the hearing impaired, according to Markman-Stern. For example, captioned telephones, which display every word of the call on a large, display window, can be purchased for $75 at Harris Communications<\/a>. Also, wireless doorbell chimes<\/a> with flashing strobes cost around $90. Consider complementing these with smart leak sensors and automatic shutoff valves to reduce water-damage risks\u2014typical household leaks can waste nearly 10,000 gallons\/year, and water damage is a common homeowners insurance claim category (EPA WaterSense<\/a>; Insurance Information Institute<\/a>). Many devices now interoperate through open standards (Matter 1.5<\/a>).<\/p>\n\n\n\n

Paying for Home Modifications <\/h2>\n\n\n\n

Home modifications obviously aren\u2019t free, so paying for them is an important part of the equation. In addition to health and housing programs, energy-efficiency incentives can offset costs for related upgrades (for example, heat pumps or electrical work) and free up budget for accessibility (Home Energy Rebates<\/a>).<\/p>\n\n\n\n

\u201cThere are countless grants available both for seniors and for people with a wide spectrum of disabilities,\u201d Kabel says. \u201cThese are some of the top programs that provide ample services for the disabled, offering everything from home remodel to new home construction to in-home assistance \u2013 and many more programs exist as possibilities.\u201d<\/p>\n\n\n\n

First Stop: Look Into Medicare and Medicaid<\/h3>\n\n\n\n

Medicare Part B<\/strong><\/h4>\n\n\n\n

For people in need of home modifications who are age 65 and older, looking into your Medicare Part B benefits is a good first place to look for coverage. Part B provides assistance for durable medical equipment<\/a>, including items like commode chairs, wheelchairs, and patient lifts. Original Medicare generally does not cover bathroom safety devices or home modifications (like grab bars, ramps, or widened doorways) (Medicare coverage guidance<\/a>). Some Medicare Advantage plans may offer limited supplemental benefits for home safety devices or modifications, but availability, dollar limits, and rules vary by plan; 2025 CMS rules increase oversight and require mid\u2011year notifications to help members use eligible supplemental benefits (CMS 2025 MA\/Part D Final Rule<\/a>; Medicare Advantage Plans<\/a>).<\/p>\n\n\n\n

Medicaid<\/h4>\n\n\n\n

Many of the modifications discussed in this article do not qualify as durable medical equipment in the eyes of the Medicare system. Assistance in covering these costs through Medicaid varies state to state. As Rafael E. Salazar II, CEO and president of Rehab U Practice Solutions<\/a> says, each state manages its own programs. <\/p>\n\n\n\n

\u201cSome states utilize waivers to fund these modifications; some waiver programs pay for assistive technology (devices & technology), adaptive equipment (shower chairs etc.), and modifications (structural alterations),\u201d Salazar says. On the other hand, he says Medicare does not cover durable medical equipment such as wheelchairs and hospital beds, or home modifications. Medicaid commonly covers home accessibility as an optional Home- and Community-Based Services (HCBS) benefit\u2014often called Environmental Accessibility Adaptations\u2014through 1915(c) waivers, 1915(i) state plan HCBS, Community First Choice (1915(k)), or managed LTSS; coverage specifics and caps are state-defined (Medicaid HCBS<\/a>).<\/p>\n\n\n\n

For example, the state of Colorado<\/a> offers benefits to build ramps, modify bathrooms, and a variety of other projects to make homes more livable and accessible. <\/p>\n\n\n\n

The bottom line? Refer to your state\u2019s Medicaid Waiver (also known as HCBS Waiver) program to determine your eligibility and assistance level. If you are transitioning from an institution to the community, ask whether your state participates in Money Follows the Person<\/a>, which can fund certain one\u2011time home modifications needed for a safe transition.<\/p>\n\n\n\n

Activate Your Network<\/strong><\/h3>\n\n\n\n

Connecting with a social worker is a great first step to accessing the resources and assistance available to you for home modification. Seniors can also consult their local Area Agency on Aging<\/a> for more specialized help. Why connect with a professional? The world of tax credits, grants, and assistance programs is complex, and these people can connect you with the most appropriate help as quickly as possible. Your state\u2019s Assistive Technology program can also provide device loans, demonstrations, and financing options (ACL AT Programs<\/a>).<\/p>\n\n\n\n

When in doubt, reaching out to friends, family, and local resources is a great way to access assistance. You may be surprised by how willing others are to help you.<\/p>\n\n\n\n

\u201cIf it were my family member who needed help, I would do three things to find out if there is any help available to alleviate the cost,\u201d advises Emily Wiechmann, clinical program manager at Bloomfield Hills, Michigan-based ComForCare, which provides in-home care services.<\/p>\n\n\n\n