What Is an Independent Living Facility?

As we reach our golden years, we may consider various senior living options that offer independence, safety, and community support. Independent living facilities strike a perfect balance between these core values, allowing older adults a maintenance-free and stress-free option to age in place.

In fact, independent living facilities are quickly becoming one of the most preferred options for senior housing, with an occupancy rate of 87.6% in 2024, according to the National Investment Center for Seniors Housing & Care (NIC). 

In this article, we'll help clarify the most asked questions about independent living facilities, such as:

• What is an independent living facility?

• How is an independent living facility different from an assisted living facility?

• How much does independent living cost?

• What are the benefits of independent living?

• Is independent living right for you?

In addition to exploring the details of independent living, LTC News can also help you find an affordable, high-quality, independent living facility near you or your loved one. You can use our Care Directory to search through tens of thousands of providers across the nation.

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What Is an Independent Living Facility?

An independent living facility is a private housing option for seniors that offers various benefits, such as a maintenance-free lifestyle, practical amenities, and a plethora of social activities and events.  

Most individuals within an independent living facility live in a private apartment or condo. Independent living sizes can vary; some independent living options include just one building or facility, while others may have a few buildings on one campus, creating a community. 

Most people choose independent living communities or facilities for their benefits, such as not having to worry about home maintenance or yard work, in addition to the community and safety benefits of living in a senior-oriented setting. 

It's important to note that independent living options do not directly provide long-term care. The main draws of independent living are the desire to have more free time, less responsibility, and a feeling of inclusion and safety within a community of like-minded and similarly aged individuals. 

Independent living is predominantly for older adults who can maintain their autonomy with little or no ongoing long-term care needs. However, it can also work for seniors with a few regular long-term care needs, as most facilities allow residents to hire third-party or private care providers such as home health aides or homemakers.

This flexibility allows individuals to live in the same independent community setting regardless of increased care needs. However, there is a certain point where an individual may need to move if their needs become more than their private care provider can help with.  

Key Features and Amenities in Independent Living Communities

So, if long-term care isn't the main goal of independent living, what brings people to these communities?

The most common reasons seniors cite for moving into an independent living facility are:

• A maintenance-free lifestyle.

• Community, amenities, and social benefits.

• Safety, security, and peace of mind. 

A Maintenance-Free Lifestyle

Independent living facilities offer residents an appealing maintenance-free lifestyle. Between providing nourishing meals and staff on-site to repair and maintain appliances, it's no wonder independent living is such a popular option. 

When you move into an independent living community, you are not responsible for fixing any problems that come up, like you would be if you owned a home. 

For example, if your drain clogs, it's not your job to call the plumber or pay for it. You can simply fill out a maintenance request, and the community will send someone to fix it quickly, free of charge.

Similarly, chores like trash collection and snow removal are provided, making it easier and safer for you to enjoy your living space without worrying about throwing out your back. 

In addition, many independent living facilities also provide nutritious meal services regularly throughout the day. The kitchen staff can cater meals to your specific dietary needs, ensuring you have a tasty meal that will fill you up and leave you feeling energized. 

Alternatively, for those who still thoroughly enjoy cooking and baking, many apartments come with fully stocked kitchens, including a fridge, oven, stove, and counter space. 

Lastly, unlike many traditional apartments, which have multiple bills, additional fees, and confusing due dates, a majority of independent living facilities pride themselves on having all of their expenses included in one singular monthly fee.

This fee often includes:

• Housing and rental costs.

• Utilities like electricity, water, and sometimes Wi-Fi or cable.

• Meal services (usually provided in communal dining areas).

• Maintenance and housekeeping.

• Access to community amenities such as fitness centers, pools, or activity rooms.

• Some facilities may also include transportation services or recreational activities in the package; however, this is not guaranteed.

Consolidated billing is particularly helpful for older adults who may struggle with memory issues, as it reduces the need to track multiple due dates and expenses.

In addition, by combining costs, residents can better budget their monthly expenses without worrying about unexpected charges like property repairs or spikes in their utility bills.

While most independent living facilities operate this way, there are some nuances:

• Optional add-ons: Some services like premium meal plans, private transportation, or additional housekeeping may come at an extra cost.

• Community Variations: Each independent living facility operates differently; some may charge extra fees for certain amenities such as reserved parking or guest accommodations. 

Finding A Sense of Community

Many independent living facilities also include on-site amenities such as:

• A gym or fitness center.

• Outdoor spaces, walkways, or gardens.

• Common areas and game rooms.

• Movie theaters.

• Spas or salons.

• Dining rooms.

• Event spaces for community activities and events.

• Laundry services or in-unit laundry.

Most facilities offer weekly or even daily classes and events for residents to participate in. These events encourage socialization, which can be huge for older adults who may have felt isolated in their homes before joining an independent living community.

As we retire, stop socializing at work, or become unable to participate in our hobbies, many older adults experience loneliness and isolation. This in combination with our peers moving away, and our families becoming busy with their jobs or children, can result in less time spent with those we love and more time spent alone.

Independent living communities aim to change that and help seniors feel more connected to their peers. These communities are full of older adults with similar mindsets, lifestyles, and experiences. Getting involved and meeting new people can help seniors feel less alone and regain a sense of purpose.

A Safe Environment to Age in Place

Finally, independent living offers several safety benefits. While these facilities may not provide care themselves, they have staff on site who can help you in an emergency. Staff members are trained on who to call to get their residents the right help as soon as possible. 

Many of these facilities also provide transportation services, which can help residents travel safely into town for medical appointments, events, or errands. With so many transportation services available, many residents may be able to go car-free, relying on the facility or their family members for transport options. This can be especially helpful for older adults struggling with vision decline, who may feel unsafe or stressed when driving themselves. 

In addition, independent living facilities may also have grab bars and other safety features pre-installed in apartments and community areas to help older adults struggling with mobility. 

These facilities also have security cameras and staff to ensure residents are safe from intruders or outside factors. This can help residents and their families rest easy, knowing they are safe and protected in the event of an emergency. 

How Is Independent Living Different Than Other Types of Senior Housing?

Many people mistake independent living facilities for other types of senior housing; however, independent living is its own unique option for older adults. Below we’ll dispel a few common misconceptions about independent living.

What’s the Difference Between an Independent Living Facility and an Assisted Living Facility?

Independent living is a very similar premise to assisted living; however, there are some key differences between the two. The largest difference is the availability of personal care services and help with activities of daily living. 

At an assisted living facility, residents can expect to receive long-term care and help with daily living activities on a regular basis. These services are covered in the cost of assisted living rent. Individuals who choose assisted living often do so because they need some help with daily activities. 

On the other hand, independent living facilities do not provide long-term care or help with ADLs. The main draw and benefits of independent living are safety, community living, social opportunities, and a maintenance-free lifestyle. 

That being said, individuals living in independent living facilities are free to hire their own personal or third-party care providers if they need long-term care.

Is Independent Living the Same as Public Housing for Seniors?

No, private independent living facilities are very different from public housing for seniors. 

Public government-run senior independent living facilities, often called public housing for seniors, provide affordable housing options for low-to-moderate-income older adults.

These facilities are typically managed by local housing authorities and funded through federal, state, or municipal programs. Individuals often have to meet eligibility requirements to qualify, including:

• Age requirements: Applicants must usually be at least 62 years or older to apply. However, there are exceptions for individuals with disabilities.

• Income requirements: These limits can vary by location, but generally, public senior housing is for low-to-moderate-income individuals. Eligibility is also determined based on federal guidelines, such as the percentage of area median income (AMI).

• Residency requirements: Some facilities prioritize local residents or those who have lived in the area for a long period of time.

Public housing independent living facilities are designed to be affordable, with rents based on a percentage of an individual's income, most commonly 30% of their monthly income.

These units are often small apartments with standard basic amenities, and utilities may be included or offered at a reduced cost.

Unlike private independent living communities, public senior housing independent living facilities do not offer comprehensive services like meal plans, housekeeping, or recreational activities. However, some may partner with local organizations to provide social or wellness programs.

The only way to get approved for public senior housing is to contact your local housing authority. These agencies manage waitlists, provide information about units, and handle applications. 

This is very different from private independent living facilities, which are unaffiliated with government programs. Private independent living facilities often offer more state-of-the-art programs and amenities and often reflect these offerings in their cost. 

How Much Do Independent Living Facilities Cost? 

Like many types of long-term care, the cost of independent living facilities can vary widely based on location and amenities. On average, independent living facilities cost between $2,000 and $5,000 per month. 

However, higher-end facilities in urban areas or regions with higher cost of living can exceed $7,000 per month. This monthly cost includes rent, utilities, access to community amenities, and sometimes additional services such as housekeeping, transportation, and meal plans. 

Different regions of the country have different long-term care costs. These expenses usually follow housing and cost of living trends, meaning an independent living facility in California would cost more than one in Texas.

The cost will also depend on how many luxury amenities and resources the community offers. If you choose a community with a spa, luxury appliances, and a mountain or ocean view, you can expect to pay more than you would at a community with less luxurious amenities, without extravagant scenic views. 

This doesn't mean you have to compromise on quality to get an affordable price; it just means you should consider what types of amenities you'd actually need and use regularly at an independent living facility and prioritize those over choosing the most upscale option available. 

Since independent living facilities do not provide long-term care directly, individuals may pay a little less than assisted living. Remember, there is always the option to hire a third-party care provider if you need care while living in an independent living community. 

How To Pay for Independent Living

Covering the cost of an independent living facility can be tricky since most facilities do not directly provide long-term care, and insurance options like Long-Term Care Insurance do not typically provide coverage. 

Independent living communities operate similarly to senior living apartments, and most people pay out of pocket. 

However, if you receive long-term care benefits from a third-party provider within the independent living facility, those services would be covered under Long-Term Care Insurance, just not the room and board costs. 

Is Independent Living Right for You or Your Loved One?

Deciding if independent living is right for you or your loved one is not an easy decision to make. It will depend on what your loved one prefers and their long-term care needs or expectations.

However, there is one common misconception to address that may help clarify your decision. This misconception is the idea that to live independently, you shouldn't need any help in daily life. This is not true. 

Independent living does not mean the absence of health problems. Instead, independent living just means an individual can live freely without extensive help from a caregiver.  

Individuals may live independently but may still need help moving heavy items or keeping up with home maintenance. However, most of the time, those in independent living communities can still complete activities of daily living, such as dressing, eating, and bathing on their own.

These individuals may need a cane or a walker to get around easily. They may wear hearing aids or heart monitors or use other medical devices. These individuals can still live independently. 

Could these individuals need help occasionally or eventually develop a need for assistance with long-term care? Absolutely.

At the end of the day, the decision is up to you and your loved one whether or not independent living will work for you.

Independent living facilities are best for those who do not require regular help with ADLs or those who need help but prefer to receive it from a third-party provider while enjoying the benefits of an independent living community.

The biggest draw of independent living communities is the maintenance-free lifestyle and access to social activities. Your loved one can live in a nice or even luxury apartment within a community of like-minded individuals. They would have endless access to social activities, gatherings, and events with little to no maintenance responsibilities.

Finding Freedom in Independent Living

Deciding on the best living arrangement for yourself or an older loved one is a significant decision. Luckily, independent living communities offer an appealing blend of autonomy and community for aging adults.

With a maintenance-free lifestyle, access to state-of-the-art amenities, and regular community events, independent living facilities offer seniors a place to thrive and make and maintain meaningful connections.

While independent living facilities do not directly provide long-term care, they do allow third-party providers such as home health aids or homemakers to assist residents as needed. This flexibility is great for older adults who plan on residing in an independent living setting for years to come.

LTC News is your one-stop for caregiving, long-term care, and Long-Term Care Insurance. If you think independent living is the best choice for your loved one, then you can use LTC News’s Care Directory to find an affordable, high-quality, independent living community nearby. 

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Here are a few other resources you may want to consider:

• What Is a Continuing Care Retirement Community (CCRC)? – Continuing Care Retirement Communities are senior living options that include independent living, assisted living, and skilled nursing care all on one campus. As your needs increase, you can move to a higher level of care option, such as a skilled nursing facility within the same community. This can help older adults remain connected with their peers and reduce stress around having to move due to long-term care concerns.

• The Long-Term Care Spectrum: From Independent Living to Skilled Nursing – This article discusses the various types of long-term care options, from home care to assisted living, adult day care, and memory care. You can learn a little bit about each type of care at once to help you decide what the best option for you or your loved one might be.

• Guiding Loved Ones Through the Transition to a Senior Living Apartment – Moving into an apartment is stressful at any age, but it can be especially difficult for those who have lived in their home for decades to transition to a senior apartment. Luckily, there are many ways you can ease this transition and many upsides to moving to a senior community.