Harmony Simon, a postal worker, visiting Martine Combe in Aix-les-Bains in July.

A memorial near the driveway to Nancy Guthrie’s residence in February in Tucson, Ariz.

Cashless policies disadvantage a number of groups, including low-income people, the homeless, undocumented immigrants and older adults.

Dialysis can cause side effects like infections, fatigue and itching, and often means hours each week in health care centers, where most older adults don’t want to be.

Anne Palm with her parents, Donald and Florence Reiners, when they both lived at the Waters of Excelsior, an assisted-living facility near Minneapolis.