Independent Living for Seniors: What to Know
Independent living is for older adults who can manage daily life on their own but want less upkeep and more community. Here is what it usually includes and what to ask. This is general information.
What independent living is
Independent living communities offer private apartments or homes along with shared amenities. Residents generally do not need help with personal care such as bathing or medication management.
What is often included
- Maintenance and housekeeping, sometimes on a schedule
- Meals or dining options
- Social activities and common spaces
- Transportation to appointments or outings in some communities
- Security or emergency call systems in some communities
What is usually not included
Hands-on personal care and medical care are generally not part of independent living. Some communities allow residents to arrange outside home care, and some offer assisted living on the same campus. Ask how a change in needs is handled.
Who it may suit
- People who want to stop maintaining a house
- People who feel isolated and want more social contact
- Couples where both spouses are still independent
Questions to ask
- What is covered in the monthly fee and what costs extra?
- Is there a lease, an entrance fee or a refund policy?
- What happens if my needs increase?
- Can I bring a pet?
- How are fee increases handled?
Next step
If you are unsure whether independent living or another level of care fits, an advisor can talk through your situation and shortlist communities. HavenLine is a referral service.
Questions
Does Medicare pay for independent living?
Medicare generally does not pay for the housing or services in independent living. Check your own plan for details.
General information only, not financial, legal or insurance advice. Rules, prices and benefits vary by state and by policy. A licensed professional can explain what applies to you.