I know this sounds awful but when I can no longer care for myself I plan to end my own life. I will not rely on anyone for my care,I think that is a horrible way to live and believe that once I get to a quality of life that is no longer enjoyable it will be time to pull the plug.
Hope:
My grandmom actually did this. Both of my grandparents were horrified by the idea of being bedridden or being cared for as seniors.
When my Grandmom had a stroke, and was paralyzed on one side of her body, she basically decided to just fade out. They talked about doing therapy with her, so she could learn to walk again. Who wants to learn to walk again at 75, though? We were being selfish in wanting her to stick around for us, but her life partner had already passed, and it was her time. She lived her life, and got to meet her first great grandchild.
She basically just stopped eating. She didn't like the mush they were trying to feed her, either. She felt it was demeaning.
I can't say that I blame her. She had been fully functional, and didn't want to live under those conditions.
Anything can happen to any of us, though. I think it's crazy to sign up for like 30 years of doing something you don't want to do in the hopes that someone will be there for you IF and WHEN you are ever feeble. And if you don't want to do it, you might not have a good relationship with that hypothetical child, making it less likely that they will be around when you get old.
I say, save lots of money, and you can get the care you need. If your quality of living isn't what you want it to be, we can always let ourselves fade out.
I know, it's morbid, but it is something to think about.
The Buddhist approach focuses on what is going on right now (not in a Hedonistic way though). It's useful to think about the future and plan for it, but all we really have is right now. If we make the right decisions, for us, in each moment, and live consciously, we will be okay.