Independent living: a guide for families
Independent living is senior housing with services like meals and activities, without personal care. This guide covers what it includes, how it is paid for, and what to ask.
Last reviewed October 27, 2026
General information only. This guide is not medical, legal or financial advice. Talk with a physician, and with an elder-law or financial professional where money or legal papers are involved, about your own situation.
What independent living is
Independent living, sometimes called retirement housing, offers private apartments or homes with shared services and limited supervision. The Alzheimer's Association describes retirement housing as generally offering limited supervision for people who can still care for themselves.
Services that are often included
What's included varies by community. Common services include:
- Meals in a shared dining room
- Housekeeping and maintenance
- Social activities, outings and transportation
- Security and emergency call systems in some communities
How it is paid for
Independent living is usually paid privately. Medicare and most insurance don't pay for housing. Ask what the monthly fee includes, and whether there is an entrance fee.
Questions to ask
Ask these on a tour, and get the answers about money in writing.
- What does the monthly fee include, and what costs extra?
- Is there an entrance fee, and is any of it refundable?
- Can residents bring in home care if they need it?
- What happens if a resident needs more care later?
Frequently asked questions
Usually not. Independent living is housing with services, not personal or medical care. Some residents bring in home care, and some communities are part of a campus that also offers assisted living.
Medicare doesn't pay for housing or for long-term care when help with daily activities is the only care needed. Most residents pay privately.
Life plan communities, formerly called continuing care retirement communities, offer independent living, assisted living and nursing care in one place, so a resident can move between levels as needs change.
Sources
SeniorLeaf is not affiliated with or endorsed by the organizations listed here.