Merrill Lynch Life Agency Inc. is a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
© Bank of America Corporation. All rights reserved.
Driving is one of the most important sources of independence for older adults. As we age, our driving ability changes and eventually diminishes. This article describes how to create an ongoing partnership with elder family members in order to keep them safe on the road, keep their driving skills as sharp as possible and help them make the decision to stop driving at the appropriate time.
There are more than 40 million licensed drivers over the age of 65 in the United States (2015), 1 which represents a 50% increase from 1999. 2 On average, 712 older adults are injured in car accidents every day, and 19 older adults are killed. The risk of being killed or injured in an automobile accident increases with a senior citizen’s age. Fatal crash rates begin to increase at age 75 and increase more rapidly after the age of 80. Older adults are actually not much more likely to be in car accidents, but they are more likely to suffer injury or die in one because their bodies are more susceptible to injury, and resulting medical complications are more likely.3
Our driving abilities change as we get older, but since we each age in our own way, the law does not prescribe an age when everyone should stop driving. The decision to stop is unique to each personal situation, so it is imperative that we recognize when aging may be interfering with driving safety and proactively address this decline by adjusting driving habits. Recognizing this pivot point can help our older family members remain safe while maintaining their independence.
Look for these signs of deteriorating driving effectiveness:
At any age, the ability to drive invokes feelings of pride, freedom and independence. These feelings are important for older drivers, whose ability to remain connected to their families, friends and lifestyle may be severely diminished if they are unable to drive. A discussion of diminished driving ability may evoke a range of emotions in your elder family members as they contemplate a potential loss of independence and social connectedness. They may anticipate feelings of isolation and sadness, or a sense of being trapped or alone. For these reasons, be sure to approach the “when is it time to stop driving?” conversation with compassion and patience.
The decision whether or not to continue driving should be revisited regularly as part of an ongoing conversation, factoring in the older person’s physical and cognitive health. It is never too soon to discuss plans for maximizing your elder family members’ safety and independence. Ideally, you should broach this topic long before there are any pressing safety concerns. Make sure that your elder family members understand that you are an ally, and you want them to be able to drive as long as possible—but that their safety is your primary concern. Work together to write an Independence Plan that will act as a guide for decision making and behavior modification as they move through their elder driving years.
Seniors can take several proactive steps to address physical limitations and maximize driving safety—before an accident happens. Encourage your elder family members to have annual eye exams to ensure their vision is satisfactory and that their corrective lenses remain adequate. They should also have their hearing checked annually and, if hearing aids are recommended, you can stress the importance of wearing these devices when driving.
Develop an Independence Plan
Discuss different scenarios that could diminish your elder family member’s ability to drive safely. Document these in the Plan and incorporate a decision tree to outline contingencies. For example, if your family member develops problems with night vision, suggest prearranging transportation to keep your family member mobile.
To develop the Plan:
Make sure that your elder family members discuss their medications with their doctor to determine if any of their medications could interfere with driving—specifically with physical responsiveness and the ability to maintain alertness and focus. Some medications require an older adult to wait a certain amount of time between taking the medication and driving. Make sure that they understand these effects if any of their medications cause them.
If you notice changes that indicate that driving might require restriction, refer to the Independence Plan you created with your elder family member earlier. Work with them to balance their limitations with options for maintaining independence. For example, if your family member reports having difficulty seeing in dim light, encourage them to restrict their driving to daylight hours. Develop a contingency plan to provide options for nighttime transportation. This might include help from family members and trusted friends, as well as public and private transportation options. Also, encourage them to plan their driving route before each departure so that they feel confident they won’t get lost. If they feel intimidated in hightraffic, rapid-speed situations, encourage them to plan to use side streets instead of highways.
Encourage senior drivers to refresh their driving skills. Many communities offer driver safety courses to do this, and these courses can be found online as well. AAA offers “Driver SelfRating Tools,” “Interactive Driving Evaluations” and “Driver Improvement Courses for Senior Citizens.” If needed, refer elder family members to a Driver Rehabilitation Specialist (DRS). A DRS can give drivers an on-road test and recommend changes to improve their safety. These changes can range from simple techniques to improve driver skills to prescribing adaptive devices that compensate for sight or range-of-motion deficiencies. The costs of these programs and devices can sometimes be offset by insurance or Medicare.
Ultimately, the time will come when it is simply no longer safe for your elder family member to continue driving. There is a strong link between not driving and feelings of isolation among seniors, which can lead to sadness or in some cases depression. 4 Accordingly, when your elder family member finally stops driving, it is critical that you maintain your partnership:
These strategies can help an older driver safely maintain independence.
To set this plan in motion, create a list of local resources that can provide transportation. These might include family members, neighbors, friends and volunteer senior ride services. Be realistic about the availability of these primary transportation options, and then fill in the gaps with public and private transportation alternatives. These may include community shuttles, bus service, senior transit services, ride sharing networks, taxis and private drivers. Contact your local agency or office on aging to find out about supplemental transportation networks that may have been created in your area. These supplemental transportation networks have been organized by communities in all 50 states to provide alternative transportation to seniors.
What has their driving to do with your financial security? Actually, quite a lot. Recently, Merrill Lynch assessed the retirement landscape and the needs of baby boomers and other groups. What they learned was that people tended to cluster their ideas for retirement around certain life priorities—health, home, finance, giving, work, leisure and family—including the financial needs of parents and children. The fact is, that when our parents age, we hope to help them in any way we can. But doing so often requires significant time and money, which can put our own career progress and retirement savings at risk.
As such, conversations with parents about driving can pave the way for other conversations—about the strength of their retirement income, paying for health care and developing a financial plan for the time when they can’t take care of themselves. These conversations are highly valuable and are necessary for their well-being and, ultimately, for your own financial security.
Being able to move freely is key to independence, and no senior wants to feel constrained. Creating a partnership now with your elder family members will allow you to create a plan for their independence as they progress through the natural course of aging, from full driving capability to eventually relinquishing the car keys.
By approaching this conversation with compassion and patience, and helping your elder family members find the right resources to maintain their independence at every turn, you’ll help to build their confidence and strengthen the relationship they have with you in the years ahead.
1 Centers for Disease Control and Prevention.
2 Federal Highway Administration, U.S. Department of Transportation. Highway Statistics, 2009. Washington, DC: FHWA.
3 Insurance Institute for Highway Safety. Fatality Facts 2016, Older People. Arlington, VA: IIHS, 2010.
4 Joanna Saisan, Monika White and Lawrence Robinson (helpguide.org). Older Driver Safety: Warning Signs and Knowing When to Stop. June 2014.