A very interesting question. I was disabled at 46 and have had difficulty walking properly, sometimes not at all. I have a speech problem because my salivary glands don't work and a lot of other problems.
Now I am old, but because I have lived a very slow inactive life - movements take energy so I am not overweight - I do not have age related disabilities others have. My house has been adapted and I have a band reduction for council tax. I own my own house, though keeping up with maintenance sometimes feels impossible. I can live in this house. I have a care giver every day from disability benefit. A residential home would not be able to cope with my disabilities and I dread the thought.
However......
I am regarded as old, no matter how long I have been in this same house. If you own your own house and it is in a desirable location, level walks to schools and shops, big plot, at the end of a cul-de-sac, (with visitor parking x 6) no traffic noise or pollution, set back from the other houses, sun all day, then your life is in danger as you grow older, and if you live in similar, sell it and move before it is impossible. Desirable properties are snapped up by property managers, letting agents (check companies house for local partnerships, especially those with enough clout to stop you selling yours to outside people) who grow rich by keeping the elderly at home or put into residential care and buying their properties cheap. How else do you think they get rich? You cannot take out equity release no matter how much equity you have, because that would not suit the vultures. That way the house increases in value, and reduces their profits.
It may sound cynical; it is a warning.