Independent living communities (IL) provide the lowest level of assistance on the eldercare spectrum. Sometimes referred to as retirement communities or senior housing, independent living communities are the best fit for self-sufficient elders in fair health who wish to minimize their daily responsibilities socialize with peers, and lead active lives.
The cost of independent living communities can vary widely depending on geographic location, dwelling type, the extent of services and types of amenities offered, and whether a resident wishes to rent or buy. According to the American Seniors Housing Association, independent living costs can range between $1,500 and $6,000 per month.
Independent living communities offer plenty of services and amenities, including laundry and housekeeping services covered maintenance, landscaping, on-site dining facilities, transportation, and social and recreational activities. However, unlike other types of residential care, such as assisted living facilities and nursing homes, independent living communities do not assist with activities of daily living or medical care. For this reason, independent living is not covered by insurance like Medicare or Medicaid and is instead paid for out of pocket by residents.