Senior Living
What Is Independent Living and How Much Does It Cost?

What Is Independent Living and How Much Does It Cost?

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Independent Living can be a great option for seniors who want to maintain their independence but need some help with day-to-day tasks, such as cooking or cleaning. But, Independent Living costs vary from case to case and are best discussed in detail so that we know exactly what our options are before making any decisions. Let’s take a closer look at this arrangement.

When looking into the future, everyone has an ideal scenario in mind. Whatever that picture may be, it all comes down to one goal: we want to feel comfortable and secure with our lives. The certain comfort level that you desire does have its corresponding price but anything guarantees a stress-free life will always be worth investing in for your future self.

What Is Independent Living and What Does it Offer?

independent living costs

Independent living is for seniors who don’t need personal assistance but want to move into a community to have more ease in their life. There are many services available that will help make the lives of seniors easier and more enjoyable. That way they can spend less time doing work around the house, freeing up time so they can do something else with it. They can spend quality moments with family or friends or working on hobbies or interests while still being able to live independently and without needing extra care from others, which comes as part of assisted living homes too often these days.

Independent living gives seniors the freedom to make their own decisions without having someone check up on them all day. There are also plenty of amenities that will help you stay active as long as possible!

What Are the Benefits of Independent Living?

There are many benefits to choosing independent living for seniors. There is always a sense of security, caring staff available at all hours, and housekeeping services that include laundry and dishwashing so they don’t have to worry about those things themselves anymore. Healthy meals can be delivered right into their homes every day without the need for grocery shopping or cooking-making it faster and easier with less stress on their joints. Social activities like crafting classes are also available so they can make new friends while coming up with something creative in artful pursuits. These features allow them to spend time doing things that give them joy rather than worrying about chores.

More and more people are choosing to live life on their terms. It’s no surprise then that independent living is becoming an increasingly popular option for seniors who want all the benefits of a home without any of the work.

What Is the Difference Between Independent Living and Assisted Living?

independent living costs

The main difference between independent living and assisted living is the list of services. Due to seniors in assisted living requiring more help, there are often additional standard services that can be optional for those who live independently or with a spouse/partner at home. These include assistance on Instrumental Activities of Daily Living like laundry and housekeeping.

When deciding which option is best for your loved one, it’s important to know what they want and need. If you’re looking into Independent Living, but the senior in question can still live on their own with minimal supervision available from a distance if needed- this might be perfect! But if it seems like there will have more frequent assistance required or that any sort of physical limitations would make things difficult- consider getting them an Assisted Living space where all needs are catered towards those who require special care.

Does Medicare Cover Independent Living?

Medicare does not cover long-term care.

Generally, Medicare only covers medical and short-term care. Long-term stays in nonmedical facilities are not part of their coverage, but there is a way to cover the expenses for those who cannot live independently due to any number of reasons such as age or disability. Some insurance plans will pay if long-term care becomes necessary, so it’s worth looking into this option first before considering selling property like your home or other possessions.

What Is the Average Cost of Senior Independent Living?

The price of independent living varies depending on several factors such as the type of community, amenities, and location. The more amenities and services available, the higher it can cost. On average, Independent Living can cost you around $1,500 to $6,000 a month, depending on the services and amenities. 

Senior Independent Living communities may charge one-time fees for admission and apartment preparations. This can range between $500 and $1,500.

Cost of Independent Living 

It pays to do extensive research about the independent living facility that has your interest. Come up with an estimated cost of the facility and compare it to your existing home expenses to better understand what you will be spending. Our local advisors at BoomersHub are available to assist you in figuring out the best arrangement for your needs.

Does Insurance Pay for Independent Living?

independent living costs

Insurance policies typically do not cover long-term care like independent living, but there are other ways to cover these expenses. 

The U.S. Department of Housing and Urban Development (HUD) has federal housing programs that help seniors secure affordable homes, particularly for low-income brackets. This assistance includes subsidized rent and public housing.

From a personal perspective, seniors can use the income they receive from pension and Social Security benefits to cover the expenses for independent living. Some also use the revenue gained from investments and other assets. 

What Are the Criteria for Independent Living?

Compared to assisted living, independent living is not as strict with regulations. This is because it is not generally connected to the federal government like assisted living is.

Some regulations include kitchen inspections from the health department and regular check-ups from the fire department to ensure the community’s security. 

Top 3 Points

1. Independent living is for seniors who don’t need personal assistance but want to move into a community to have more ease in their life.

2. Independent Living facilities have features that allow seniors to spend their time doing things that give them joy rather than worrying about chores.

3. On average, Independent Living can set you back around $1,500 to $6,000 a month.

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It’s a big decision for an older adult, but there are many benefits to senior living. Residents don’t have to worry about things like house maintenance and utilities as they do when they live in their own homes. It might take some time to get used to the change of lifestyle at first, so you’ll need support from your loved ones right away. Once everyone decides it is something that would be good for them though, life will become much less stressful because these worries disappear once you enter into this type of community setting.

Independent living is a great option to maintain your independence while still having the convenience and support of living in a community. While it might cost you between $1500-$6000 per month, the amenities, convenience, and security will most likely make up for it. 

The end result of moving to such a facility could even mean more quality time with family members after retiring since you won’t have any chores or obligations weighing down on yourself anymore! 


Are the costs for independent living tax deductible? 

Typically, the costs for independent living are not tax deductible. However, people living in a Life Plan Community might get tax deductions. 

How much does independent living cost for a couple? 

Independent living costs for a couple can vary depending on the size of the community, the type of housing, and the amenities offered. However, on average, independent living costs between $2000 and $3,000 per month for a couple. 

Does Medicare cover independent living costs? 

Medicare does not cover the costs of independent living. However, they may cover some of the costs associated with independent living which are medically necessary. 

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