More living, less upkeep.
Independent living is for active seniors who want freedom, friends and fun without the chores that come with owning a home.
What is independent living?
Independent living communities offer apartments, cottages or homes designed for older adults who can live on their own. Many include meals, housekeeping, transportation, fitness classes and a full social calendar.
There is usually no hands on personal care, but some communities partner with home care agencies or have assisted living on the same campus if needs change.
It may be a good fit when
- Your loved one is healthy and independent
- Home maintenance has become a burden
- They want more social time and activities
- They want to plan ahead for the future
- They would like meals, housekeeping or rides taken care of
What does independent living cost?
Independent living is usually a monthly rent that covers housing and certain services. Some communities also charge an entrance fee.
Private pay
Most residents pay monthly from savings, retirement income or the sale of a home.
Medicare and Medicaid
Medicare and Medicaid generally do not pay for independent living because it is housing, not care.
Plan for later
Ask whether the community offers assisted living or memory care nearby, so a future move is easier.
Questions worth asking
Print this list or keep it on your phone when you call or visit. Good providers are happy to answer every one.
- What is included in the monthly fee, and what costs extra?
- Is there an entrance fee? Is any of it refundable?
- What activities and transportation are offered?
- Can residents use outside home care if needed?
- Is there assisted living or memory care on the same campus?
- Are pets allowed?
- How much can rent increase each year?
Ready to compare independent living options?
Search providers in your area, or let us help you narrow it down for free.
Independent Living: what families ask
Is independent living the same as a retirement community?
They are closely related. Both are designed for active older adults. Some retirement communities also offer higher levels of care on the same campus.
Can residents keep their car?
Usually yes. Most communities have parking, and many also offer scheduled rides for shopping and appointments.
What if care needs change later?
Residents can often bring in home care, or move to assisted living or memory care if the community offers it. Ask about this before you sign.