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I'm elderly, still independent, and don't have children or family to help me. I'm worried about when I can no longer be independent, are there agencies/professionals who step up to make decisions, pay bills, manage funerals, etc.?

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This must weigh on you. If you arrive in ER. Generally social workers will assist setting up your care and help. If you are home you could ask to be referred to geriatrics clinic. They will have advice and answers to assist you. This would not be the first time they have seen this.
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Reply to Rose33
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As Geaton suggested, an attorney or accountant can help by representing you, making decisions, and paying bills. You can name a third party professional as your POA, medical representative, and an executor of your estate when you pass.

You might also consult with a Geriatric Care Manager. Search online for such a service in your area. They can help with planning for your anticipated care needs.
I don't know, but they might also be able to connect you to a guardian/representative.
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Reply to CaringWifeAZ
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Consult with an elder law attorney. An attorney can do what you need, also a guardian or conservator.

Also, prepare yourself to move to a continuum of care community before you think you need it so that no one needs to battle you into appropriate care in a crisis. Then you get to pick the place and retain control and guarantee you will always have appropriate level of care.

Lots of us plan for physical impairment but we don't like to think about cognitive impairment. And it sneaks up on you, so that you don't recognize it, or deny having it. It makes getting someone into a facility very onerous.
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