Finding a senior living community can be an emotional journey. Two of the most popular options for families that you may have discovered during your search are independent living and assisted living. Knowing a little more about your options means you can find a fit that feels right.
Key Takeaways
- Independent living and assisted living are two of the most popular senior living communities in the United States.
- Independent living communities are designed for seniors wanting to live amongst their peers. Independent living residents typically need little to no help with activities of daily living (ADLs).
- Assisted living communities are for seniors who need a little help with daily activities like going to the bathroom.
What is Independent Living?
Also called:
- Retirement communities
- Active adult communities
Independent living communities are for seniors who are ready to spend less time on chores and more time pursuing hobbies and friendships. Residents typically live in private floor plans while enjoying access to shared amenities like on-site fitness centers.
What are Common Independent Living Amenities and Services?
Each independent community will vary in what it offers residents. That said, common independent living services and amenities include:
- Housekeeping
- Chef-prepared dining
- Scheduled transportation
- Fitness centers and wellness classes
- Lifelong learning classes
- Social events and clubs
- Walking paths and outdoor gathering spaces
How Much Does Independent Living Cost?
While independent living costs vary significantly based on factors like location and apartment size, costs can be around $3,000 or more each month, according to The Federal Long Term Care Insurance Program.
Because independent living primarily covers housing and lifestyle services rather than medical care, Medicare generally does not pay for independent living. Belmont Village does not accept Medicare, Medicaid, or Social Security as payment for residency.
What are Belmont Village Independent Living Communities Like?
Each Belmont Village independent living community varies slightly in its exact services and amenities, but what connects each one is the commitment to making each campus the place where residents can truly make the most of their golden years. Chef-prepared dining, bespoke landscaping, fitness programs, and a full calendar of events await residents each day.
What is Assisted Living?
Also called:
- Personal care community
- Residential assisted living
- Senior assisted living community
- Assisted care residence
Assisted living communities are designed for older adults who remain relatively independent but benefit from help with certain activities of daily living while still supporting independence when possible.
What are Common Assisted Living Amenities and Services?
While services differ between communities, assisted living communities commonly offer:
- Assistance with activities of daily living (ADLs)
- Medication management
- Housekeeping and laundry services
- Transportation services
- Salon and barber services
- Social events planning
- Emergency response systems
- Physical, occupational, and speech therapy services
How Much Does Assisted Living Cost?
Like independent living, assisted living costs can also vary widely depending location, services received, and more. According to CareScout, the 2025 national monthly median cost of assisted living was $6,200.
Medicare generally does not pay for room, board, or personal care services that someone receives in an assisted living setting. Belmont Village does not accept Medicare, Medicaid, or Social Security as payment for residency.
What are Belmont Village Assisted Living Communities Like?
Each Belmont Village assisted living community offers its own mix of services and amenities, but every campus is built around helping residents live confidently and with the right level of support. Licensed nurses help when needed, while a stacked events calendar, fitness programs, and delicious dining options give residents the ability to carve out each day the way they want.
Independent Living or Assisted Living: Which is Right for My Family?
There is no single answer that fits every family. The right choice depends on your loved one's current abilities and personal preferences, along with practical considerations like your budget and how close the community is.
It may help your family to ask the following questions:
- Is your loved one largely self-sufficient?
- Does your loved one want more social opportunities?
- Is your loved one ready to downsize from their current location?
- Does your family have the budget to pay for out-of-pocket community costs?
If you answered Yes! to most or all of these questions, independent living may be a good fit.
If you answered No! to most or all of these questions, instead ask yourself:
- Does my loved one need some help with daily activities like getting dressed?
- Is the family concerned about my loved one living alone?
- Does my relative thrive in social environments?
Based on your answers to these questions, assisted living may be a senior living option worth exploring.
Finding the Right Senior Living Community
Both independent living and assisted living offer opportunities to simplify daily life and enjoy meaningful social connections. The difference lies primarily in the level of support provided. Taking time to tour communities and discuss goals as a family can help clarify which option is the right fit.
FAQs
Does Medicare pay for independent living?
No, Medicare does not typically pay for independent living costs.
What are the potential downsides to independent living?
Independent living is designed for people who do not need routine personal care. That means people who later require help with daily activities may need to transition to a different community that offers a higher level of support. Additionally, many types of insurance do not cover independent living costs.
How do I know if my loved one needs independent living or assisted living?
Consider how easily your loved one manages daily responsibilities. If they remain fully independent but want a maintenance-free lifestyle, independent living may be appropriate. If they regularly need assistance with activities like bathing, assisted living may be the better choice.
What disqualifies someone from assisted living?
Eligibility requirements for assisted living communities vary not just by state, but also by community. Most, however, generally require that residents have documented healthcare needs, which may include chronic conditions that require monitoring or professional evaluations showing they need assistance with ADLs.
Disclaimers: This article is for informational purposes only.