Payment Options For Independent Living

  1. Private Funds are most often used, although some senior apartments are subsidized and accept Section 8 vouchers.

  1. Medicare and Medicaid do not cover payments for Independent Senior Living Communities since no healthcare is provided.



Independent Living refers to living in a senior-friendly, easy-to-maintain private apartment, condo, patio home or home within a community of Seniors.  This housing option is designed for independent Senior Adults who want to enjoy  an active lifestyle, filled with recreational, social and other types of activities with other Seniors.

Retirement Communities and Senior Independent Living Communities generally offer the most personal freedom, social and recreational opportunities and personal/concierge services of all the housing options available to Seniors today.


Senior Independent Living Is Also Called:

  1. Retirement Communities, Congregate Living, Senior Apartments, Retirement Home Communities or Villages

Types Of Independent Living Communities:

  1. Communities can be either "Age Inclusive" or "Age Exclusive."

    Age Inclusive Senior communities attract retirees, but do not have age-requirements

    Age Exclusive communities have senior age-requirements (usually age 55 and older).

Licensing and Regulation:

  1. Because most Independent Living Communities are not licensed by local, state or federal agencies, there is no formal regulation.  (If they are a part of Assisted Living Facilities or Continuing Care Retirement Communities, they may have to be subject to state licensing, regulation and inspection.

  1. In retirement communities that provide services and activities, the rules are set and governed by the management company providing the services.

  1. In other retirement communities, an on-site or off-site manager will help address any problems.

  1. Adult Seniors who are able to live on their own and perform the normal activities of daily living (ADLs), but desire the security and conveniences of community living are good candidates for Independent Living Communities.

Good Candidates For Independent Living Communities

Services Offered By Independent Living Communities

  1. Some Independent Living Communities, like Senior Apartments, provide housing with only a minimal amount of amenities or services.

  1. Other Independent Living Communities, like Congregate Living or Retirement Communities, offer an enriched lifestyle with organized social and recreational programs as a part of everyday activities.

  1. Some Independent Living Communities offer a variety of  recreational activities which may include swimming pool/spas, exercise facilities, Clubhouse/Lounge and Library/ Reading Lounges.

  1. Independent Living Communities may also provide laundry facilities, linen service, meals or access to meals, local transportation, and planned social activities.


Cost of Independent Living Communities

  1.   Prices of Independent Living Communities are based on the local market and the type of housing offered (apartment, condo, townhouse, patio home, single-family residence).

  1. Most Independent Senior Living Communities that provide services are priced at the local market rate, but some subsidized senior apartments cater to seniors with limited incomes.

  1. Services in Independent Living Communities can include housekeeping, laundry, van or scheduled transportation. Most communities with these services also provide at least one group activity per day. 

  1. These services are generally billed over and above the cost of the housing unit, so be sure to find out how these extra services costs are charged before you make any decisions.
  1. Seniors who are in good general health, are able to care for themselves and who want to live independently

  1. Seniors who prefer to live in a seniors-only community

  1. Seniors who no longer want to maintain a house

  1. Seniors who can communicate with doctors and caregivers by themselves or with the help of family - but without the help of trained onsite staff

  1. Seniors who have enough money to pay for the kind of home they want, or can be satisfied with subsidized housing

Independent Living Communities are designed to accommodate the active lifestyles of healthy adult Seniors.

Senior Independent Living, Congregate Living and Retirement Communities offer housing and social amenities for active, healthy Adult Seniors.

Adult Living Communities offer Seniors  an enriched lifestyle, with organized social and recreational programs as part of everyday activities.

Costs for Independent Living Facilities will vary by type of accommodations, activities   and amenities provided - as well as price range. 

Read over the contract carefully to make sure everything you want is included in the price (and not added as an extra fee.) 

In most cases Medicare does not cover costs and fees for Senior Independent Living housing options.

Health Care And Personal Care Services

  1. Health care is not provided with your normal fees for independent housing.

  1. Many communities allow you to pay for a home health aide or nurse to come into your apartment to assist you with medicines and personal care.


Read about several different ways to pay for Senior housing.

Independent Living communities don’t generally include health care or personal care as services they provide.  In many cases, they do allow residents to make their own arrangements to hire and pay for health and personal care that might be needed.

For More Information

Contact your local Area Agency On Aging

for more information about Senior Independent Living  Provides Free, Reliable Senior Information and Resources

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Senior Independent Living

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