Independent Living vs Assisted Living: A Comparison
If you're here it's safe to say you may be wondering what kind of living situation is best for your aging parents or loved one. As people get older, it's normal to need more help with daily tasks and activities. With that being said, there are two main options to consider: independent living and assisted living.
It's important to understand the differences between independent living vs. assisted living so you can make the best choice. This article compares the two to help you decide which elderly care option is right for your situation.
What is Independent Living?
Independent living communities are housing options designed for seniors who are still pretty active and healthy. You typically get your own apartment or small house within a larger community. These places have lots of fun amenities like:
- Pools
- Exercise rooms
- Game rooms
- Communal outdoor areas
They also usually provide services like housekeeping, transportation, and planned social activities. The big thing about independent living is that you don't get much personal care or assistance.
You have to be able to take care of yourself and do things like cook, bathe, dress, and manage your medications on your own. The staff doesn't provide any hands-on care. But you do get the benefits of living in a community with people close in age and easy access to amenities tailored for seniors.
So if you or your older parents are still pretty independent but maybe want a lower maintenance lifestyle with some convenient services, an independent living community could be a good option. Just know that it's really meant for active seniors who don't need much daily help.
What is Assisted Living?
Assisted living homes are kind of like a combination of housing and personal care services. You get your own room or apartment, but staff is available 24/7 to help with things you can't do on your own anymore.
The level of care varies depending on the place. Some serve those who need a little help with daily tasks like bathing, dressing, or taking their medications properly. Others serve those who need more extensive care and assistance getting around or dealing with health issues.
No matter the level of care required, staff provide hands-on personal assistance as needed. They can help with:
- Grooming
- Toileting
- Eating
- Other activities of daily living that have become difficult
Assisted living also provides meals, housekeeping, laundry services, and leisure activities. While these communities have medical staff like nurses and aides, they aren't the same as nursing homes.
Assisted living is really meant for people who can still be somewhat independent with some extra help. It bridges the gap between living fully on your own and requiring around-the-clock skilled nursing care.
Key Differences of Independent Living vs. Assisted Living
Now that you understand the basics of independent living and assisted living, let's take a closer look at how they differ in certain key areas. Knowing these distinctions will help you decide which option better fits your loved ones' needs and preferences.
Living Arrangements
The living spaces in independent living and assisted living communities are quite different. In an independent living place, you'll get your own apartment or small house. These units are designed for independent living, so you'll have your own kitchen, bathroom, living room, and bedroom. You'll have your own front door and a lot of privacy.
Assisted living homes, on the other hand, have private or semi-private rooms for residents. You'll have your own sleeping area and a bathroom, but you'll share common spaces like a living room and kitchen. The rooms are more basic than an apartment, but you'll get help with things like cleaning and laundry.
Amenities and Services
Independent living communities offer a wide range of amenities and services to make life easier and more enjoyable. You'll find things like:
- Fitness centers and exercise classes
- Swimming pools and hot tubs
- Planned social activities and outings
- Restaurants and dining rooms
- Housekeeping and laundry services
- Transportation to appointments and errands
The goal is to provide a maintenance-free lifestyle with plenty of opportunities for socializing and staying active. Meals are usually provided, but you'll have the option to cook in your own kitchen too.
Assisted living homes also offer amenities, but the focus is more on care services. You'll still find things like:
- Recreational activities and social events
- Fitness and wellness programs
- Dining rooms with chef-prepared meals
- Housekeeping and laundry services
- Transportation assistance
Cost and Payment Options For A Senior Community
The costs for elderly living can vary quite a bit depending on the specific community, location, and level of services.
In general, independent living tends to be more affordable. You're essentially just paying for the apartment rental and any optional services you choose. Costs can range from around $2,000 to $6,000 per month.
Assisted living, on the other hand, includes the cost of your room/apartment plus the personal care services. This makes it more expensive, typically ranging from $3,000 to $8,000 per month.
When it comes to payment, both options have some potential financial assistance available. For independent living, you may be able to use your own savings, retirement income, or long-term care insurance. Some communities also accept Medicaid.
Assisted living has more payment options, including Medicaid, veterans benefits, long-term care insurance, and reverse mortgages. Many communities also offer their own financial assistance programs.
So while assisted living does cost more, there are more ways to help cover the expenses. You'll need to carefully review your budget and explore all the payment possibilities to determine which option fits your financial situation best.
Choosing the Right Fit
Now that you understand the key differences between independent living vs. assisted living, you can make a more informed decision about the best option for your aging loved one. Consider their current needs and abilities, as well as any future care requirements. Involve your family in the process and tour a few different communities to get a feel for what they offer.
If you're in the Odessa, Florida area, we encourage you to reach out to the Watermark at Trinity team. We have experienced senior living advisors who can provide personalized guidance and help you navigate this important decision. With our expertise, you can feel confident you're making the best choice for your loved one's needs and well-being.