Independent Senior Living: A Viable Option for Older Loved Ones

Choosing the right living arrangement for an aging family member is a deeply personal and often challenging decision. For older adults who are still independent but seek a community that offers safety, social engagement, and amenities tailored to their lifestyle, independent senior living could be the perfect solution.

What Is Independent Senior Living?

So, what is independent senior living? These communities are designed for older adults who can manage daily activities independently but desire a setting that fosters convenience and connection. These communities typically feature private apartments or cottages and offer shared spaces such as dining areas, fitness centers, and recreational facilities. While healthcare services are generally not included, residents have the peace of mind that help is nearby if needed.

Amenities often include housekeeping, meal plans, transportation, and a range of activities, from fitness classes to cultural events. The goal is to provide a low-maintenance lifestyle that allows seniors to focus on enjoying their retirement years.

Why Consider Independent Senior Living?

For many families, independent senior living offers a middle ground between staying in the family home and transitioning to a care-focused facility. It can be an attractive option for several reasons:

1. Community and Socialization: Many older adults face isolation as they age, particularly if they live alone or far from family. Independent living communities offer a built-in network of peers and activities to keep residents engaged and connected.
2. Safety and Security: From emergency call systems to on-site staff, these communities prioritize safety, providing reassurance to both residents and their families.
3. Convenience: With services like meal preparation, housekeeping, and maintenance included, residents can spend less time on chores and more time doing what they enjoy.
4. Amenities and Activities: Many communities offer features like swimming pools, walking trails, and hobby clubs, encouraging a vibrant and active lifestyle.

Things to Look for When Choosing Independent Senior Living

When exploring independent senior living options for a family member, consider the following factors:

1. Location: Proximity to family, friends, and healthcare facilities is essential. A convenient location can make visits and appointments easier.
2. Amenities: Ensure the community offers the activities, dining options, and services that align with your loved one's preferences and needs.
3. Cost: Review the pricing structure, including monthly fees and any additional costs for optional services.
4. Reputation: Look for reviews, testimonials, and references from current or past residents and their families.
5. Community Culture: Visit the community to observe the atmosphere and determine if it feels welcoming and aligned with your loved one's personality.
6. Safety Measures: Confirm the availability of safety features like emergency response systems, secure entry points, and on-site staff.

Finding the right senior community for your loved one can be challenging. You can use the LTC News Caregiver Directory to help you narrow down several to consider. If you live in Kansas City, for example, you can search for Kansas City's senior living options. Retirement Communities in Kansas City, MO | Find Care Near You.

You will find many you and your loved one can visit, including The Welstone at Mission Crossing.

Just go to the directory, enter the zip code or the city or town name, and find senior communities, in-home caregivers, home health agencies, adult day care centers, assisted living, memory care, and nursing homes. 

• Find Senior Living and Long-Term Care Services Near You.

Better Quality of Life

Older adults who move into senior housing experience health outcomes that are equal to or better than those living in the general community, according to research from NORC at the University of Chicago.

The study highlights how senior housing improves access to safe, high-quality care, reduces vulnerability, and increases healthcare services at home. It also found that residents in senior housing tend to live slightly longer than those who remain in traditional community settings.

Ray Braun, CEO and president of the National Investment Center for Seniors Housing & Care (NIC), which funded the research, says there are many benefits to independent senior living.

Senior housing residences can be a center for wellness and healthy aging, with positive outcomes for those who call it home.

When Your Loved One Needs Extended Care - Then What?

If your family member needs help with daily living activities at some point or supervision due to dementia, they can often remain in their independent living environment by arranging for in-home caregivers.

These professionals can assist with tasks such as bathing, dressing, toileting, personal hygiene, and medication management, allowing your loved one to maintain their autonomy while receiving the necessary support.

Although independent living communities typically do not cover the cost of in-home caregivers, you can use a Long-Term Care Insurance policy to offset these expenses. An LTC policy will not pay for independent living, but once your loved one qualifies for benefits, they will pay for in-home care or a more formal care environment like assisted living, memory care, and nursing home.

However, a Long-Term Care Insurance policy is usually purchased before someone retires, so you can't purchase a policy once someone requires care.

How Does Independent Senior Living Differ from Assisted Living?

The primary difference between independent senior living and assisted living lies in the level of care provided. Independent living is for individuals who can manage daily tasks without assistance. Assisted living, on the other hand, is geared toward those who need help with these activities but do not require round-the-clock medical care.

Assisted living facilities will have trained staff available to assist with personal care and some medical needs. They may also include more specialized services, such as memory care for residents with Alzheimer's or dementia. Independent living focuses more on lifestyle and amenities, making it suitable for seniors who prioritize autonomy.

Is Independent Senior Living Right for Your Family Member?

When considering independent senior living, assessing your loved one's health, mobility, and social needs is important. If they are active and self-sufficient but would benefit from a more supportive environment, this option could enhance their quality of life while maintaining their independence.

Many communities allow prospective residents to tour the facilities, meet other residents, and even participate in activities to get a feel for the lifestyle. This can help both you and your loved one make an informed decision.

The Bottom Line

Independent senior living offers a blend of freedom, convenience, and community for older adults who are not ready or in need of more intensive care. It's a viable and enriching option that provides families with peace of mind and older adults with a fulfilling environment to thrive in their golden years.

As you discuss living arrangements for your older family member, have you considered what you plan on doing after retirement? Longevity increases your risk of needing long-term care, and Long-Term Care Insurance should be part of your retirement plan.

Most people acquire an LTC policy between ages 47 and 67, but premiums vary dramatically between insurance companies. Be sure to find a qualified LTC Insurance specialist to help you design a plan and provide you with accurate quotes from all the top-rated insurance companies that offer long-term care solutions.

Several tax advantages are available for those with qualified LTC policies as well. Planning now will make it easier for those you love in the decades to come.