Daren,
There are a couple things you should. First, go to your local community college and take some voice lessons. While you can probably sing just fine, the lessons will teach you breathing techniques, expand your range, and provide you with some vocal exercises that will really make a difference in your voice quality.
The next part of the equation is to practice, then practice and practice some more. There is no such thing as too much practice. Not only will this permit you to learn the words to songs, but additionally, it will aid in achieving the vocal quality you desire.
Just doing instrumentals for seniors, or any other audience for that matter, just don't cut it. In this business, IMO, without vocals you're out of business.
Good Luck,
Gary
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K+E=W (Knowledge Plus Experience = Wisdom.)