Here are some tips for planning ahead if you don't have a family caregiver.

Consider where — and how — you might like to age. While you're still healthy, evaluate your living situation and try to make a plan. "Identify where the best place is for you to live," Carney says. "Should you move to an area that's more walkable, or has mass transportation or access to taxis?"

You might also consider communal living options, such as taking on roommates, or moving to a senior community or assisted living facility — often an ideal option for some who can afford it.

Get your paperwork in order. Make all legal documents accessible and your intentions clear. That includes deciding upon a health and financial proxy: Who's going to make crucial decisions for you if you become incapacitated? If you don't have anyone in your personal life to fill that role, you might look into elder care resources in your region. Or your doctor may be willing to step in, Carney says.

"I've had patients who've had no one and have asked me or my colleague to be their health care proxy," she adds. (If a physician agrees to be your proxy, he or she can't continue as your health care provider.) You might consult an elder care lawyer to discuss your situation and help you plan.