Services
Independent Living, often referred to as Retirement Communities, Congregate Living or Senior Apartments, are designed specifically for independent senior adults who want to enjoy a lifestyle filled with recreational, educational and social activities with other seniors. These communities are designed for seniors who are able to live on their own, but desire the security and conveniences of community living. Some communities offer an enriched lifestyle with organized social and recreational programs as a part of everyday activities (Congregate Living or Retirement Communities), while others provide housing with only a minimal amount of amenities or services (Senior Apartments).

Some Independent Living Communities offer abundant recreational activities which may include swimming pool/spas, exercise facilities, Clubhouse/Lounge and Library/ Reading Lounges. Communities may also provide laundry facilities, linen service, meals or access to meals, local transportation, and planned social activities. Communities can be either "Age Inclusive" or "Age Exclusive." Age Inclusive communities attract retirees, but do not have age-requirements whereas Age Exclusive communities do have senior age-requirements (usually age 55 and older).

Cost
Prices are generally dependent upon the local market. Most communities that provide services are market rate, but some subsidized senior apartments cater to seniors with limited incomes.

Plans can include housekeeping, laundry, van or scheduled transportation. Most communities with these services also provide at least one group activity per day.

Regulation
Because these communities are not licensed by local, state or federal agencies, there is no formal regulation. In those communities that provide services and activities, the rules are set and governed by the management company providing the services. In other communities, an on-site or off-site manager will help address any problems.

Payment Options
Private Funds are most often used, although some senior apartments are subsidized and accept Section 8 vouchers. Medicare and Medicaid do not cover payment since no healthcare is provided.

Care
Health care is not provided with your normal fees, but many communities will allow you to pay for a home health aide or nurse to come into your apartment to assist you with medicines and personal care.