Independent living is simply any housing arrangement designed exclusively for older adults, generally those aged 55 and over. Housing varies widely, from apartment-style living to single-family detached homes. In general, the housing is friendlier to aging adults, often being more compact, with easier navigation and no maintenance or yard work to worry about.
While residents live independently, most communities offer amenities, activities, and services. Often, recreational centers or clubhouses are available on site to give you the opportunity to connect with peers and participate in community activities, such as arts and crafts, holiday gatherings, continuing education classes, or movie nights.
Independent living facilities may also offer facilities such as a swimming pool, fitness center, tennis courts, even a golf course or other clubs and interest groups. Other services offered may include onsite spas, beauty and barber salons, daily meals, and basic housekeeping and laundry services.
Since independent living facilities are aimed at older adults who need little or no assistance with activities of daily living, most do not offer medical care or nursing staff. You can, however, hire in-home help separately as required.
As with any change in living situation, it’s important to plan ahead and give yourself time and space to cope with change. By using these tips, you can find an independent living arrangement that makes your life easier, prolongs your independence, and enables you to thrive in your retirement.
There are many types of independent living facilities, from apartment complexes to stand-alone houses, which range in cost and the services provided.
Low-income or subsidized senior housing. In the U.S., for example, there are senior housing complexes subsidized by the U.S. Department of Housing and Urban Development (HUD) for low-income seniors.
Senior apartments or congregate care housing. These are apartment complexes restricted by age, usually 55 or 62 and older. Rent may include community services such as recreational programs, transportation services, and meals served in a communal dining room.
Retirement homes/retirement communities. Retirement communities are groups of housing units restricted for those over a certain age, often 55 or 62. These housing units can be single-family homes, duplexes, mobile homes, townhouses, or condominiums. If you decide to buy a unit, additional monthly fees may cover services such as outside maintenance, recreation centers, or clubhouses.
Continuing Care Retirement Communities (CCRCs). If you or your spouse are relatively healthy now, but anticipate significant health problems down the line, you may want to consider a CCRC. These facilities offer a spectrum of care from independent living to nursing home care in the same community. If residents begin to need help with activities of daily living, for example, they can transfer from independent living to an assisted living or skilled nursing facility on the same site. The main benefit of a CCRC is that you only need to relocate once to a new environment and can maintain your independence for as long as possible.
The key difference between independent living and other housing options is the level of assistance offered for daily living activities. If you require round-the-clock help with eating, dressing, and using the bathroom, or require regular medical assistance, other housing options such as assisted living facilities or nursing homes may be a better fit. To learn more, read Senior Housing Options.
As you get older, any housing change can seem like you’re losing some independence. However, as the name suggests, independent living is more about making your life easier than giving up your independence. Sometimes, acknowledging your limitations—that you’re unable to manage the upkeep of your existing home, for example—and accepting some assistance now may help you maintain your regular independent routine for longer.
|Three myths about independent living|
|Myth 1: Moving to an independent living facility or retirement community means losing independence.|
Fact: Independent living is about preserving your independence for longer by making life easier. You’ll enjoy the privacy of your own home, filled with your own furniture and possessions, and spend your days as you choose. While you’ll maintain your independence, you’ll lose the stress of maintenance and upkeep.
|Myth 2: Living away from friends and family means there’s no one around to help during an emergency.|
Fact: Independent living facilities usually have 24-hour staff who can quickly and easily provide help if you ever need it. Most retirement facilities also offer safety measures to make you feel more secure in your living space, especially if you live alone.
|Myth 3: Moving to independent living means giving up hobbies and interests.|
Fact: Most independent living facilities offer a wide range of different activities and social events tailored to your needs and interests—from sports and fitness programs to gardening, book clubs, cards, arts and crafts, and adult education classes. Many older adults find that they’re actually more active and social when they move to an independent living facility, helping them feel healthier, happier, and less isolated.
To help decide if independent living is the right choice for you, answer the following four questions:
Maintaining a home may be a longstanding source of pride for you, but it can also become a burden as you age. Perhaps your home has a large yard which requires constant maintenance, or maybe it’s becoming more difficult to clean those extra rooms that are rarely used. If your home is difficult to access, such as on a steep hill or up several flights of stairs, it may be harder for you to leave your home as often you’d like, leading to more isolation. Or increased crime may mean that your neighborhood is now too dangerous to walk around safely.
Some of these challenges may be partially remedied by hiring outside help, remodeling parts of your home, or by other family members lending assistance. However, if you’d like a place that does not require a lot of maintenance and upkeep, independent living may give you more freedom and flexibility in the long run.
The more isolated you are, the greater your risk for depression and other mental health problems. You may have a difficult time getting out of the house, perhaps due to trouble driving or increased mobility issues. Or your friends and neighbors may be busy with other work or family commitments, or the neighborhood may not be easy to get around. While the phone and Internet can help, nothing can take the place of face-to-face human connection.
Independent living facilities can give you a built-in social network of peers, while many also provide structured activities such as sports, arts, or field trips.
You may live in an area where you have to drive to attend social activities, visit friends, and shop. If you find yourself less comfortable with driving, you may find yourself relying more and more on public transportation or family and friends to get around. It may be harder to visit others, pursue activities you enjoy, or keep doctors’ appointments.
As well as onsite amenities, many independent living or retirement communities also offer convenient transportation options to outside activities.
It’s important to consider your current and future health. For example, if you have a health condition that makes it difficult to stay active and will most likely worsen with time, it’s good to consider your options carefully. It’s also important to consider the health of your spouse if you are married.
Can you manage the activities of daily living, such washing, showering, and eating? Can you manage your finances? Can you manage medications and doctor appointments?
If you see needing only minor assistance with activities of daily living, independent living may be right for you.
As the population ages, the demand for senior living options that prioritize both luxury and comprehensive care has increased. In the heart of Sarasota, Florida, Elance stands as a beacon of sophisticated senior living, offering a range of care levels, from independent and residential living to assisted living and specialized memory care. With an unwavering commitment to providing top-tier amenities, personalized care, and a vibrant community, Elance redefines luxury senior living while ensuring the well-being and comfort of its residents. Understanding Elance of Sarasota: A Haven for Luxury Senior LivingElance of Sarasota, situated in a serene and picturesque location, sets itself apart by seamlessly blending luxury accommodations with comprehensive care services tailored to meet the diverse needs of its residents. Their dedication to providing an enriching and fulfilling lifestyle distinguishes Elance as a premier destination for seniors seeking a luxurious yet supportive living environment. Levels of Care Offered at ElanceIndependent and Residential LivingElance's independent and residential living options are designed for seniors seeking an active and independent lifestyle while relishing the convenience and comfort of a luxury community. Residents in this level of care enjoy spacious, well-appointed residences with access to a variety of amenities and services tailored to enhance their quality of life. Assisted LivingFor those requiring additional support with daily activities, Elance's assisted living program offers personalized care plans to meet individual needs. Trained professionals provide assistance with tasks such as medication management, dressing, grooming, and other activities, fostering an environment that promotes autonomy while ensuring safety and well-being. Memory CareElance's specialized memory care program is dedicated to supporting individuals living with Alzheimer's disease, dementia, or other memory-related conditions. The memory care community is designed with a focus on safety, comfort, and specialized programming to engage residents and support their cognitive and emotional needs. The Elance Experience: Unparalleled Amenities and ServicesLuxurious Accommodations: Elance boasts elegant and spacious residences, ranging from well-appointed apartments to stylish villas, each designed to offer comfort and sophistication. The living spaces are equipped with modern amenities, ensuring a luxurious yet homely atmosphere for residents. Culinary Excellence: At Elance, dining is an experience to savor. Culinary experts curate menus that cater to diverse tastes and dietary needs, offering gourmet meals crafted from fresh, locally sourced ingredients. Residents can enjoy delectable meals in elegant dining settings that encourage socialization and a sense of community. Wellness and Recreation: The focus on wellness and recreation is integral to Elance's approach to senior living. Residents have access to fitness centers, yoga studios, swimming pools, and wellness programs designed to promote physical health and emotional well-being. Additionally, a robust calendar of social activities and events ensures that residents can engage in hobbies, pursue interests, and foster connections within the community. Personalized Care and Support: Elance prides itself on delivering personalized care and support to residents at every level. Their dedicated team of caregivers and healthcare professionals is available around the clock, ensuring that residents receive the attention and assistance they need while respecting their independence and preferences. Embracing Technology for Enhanced Living: Elance harnesses the power of technology to enhance the living experience for its residents. From smart home features that provide convenience and safety to telehealth services that offer access to healthcare professionals, Elance integrates modern technology seamlessly into its luxury living environment. Conclusion: Elance - Elevating Senior Living to Unprecedented HeightsElance of Sarasota represents the epitome of luxury senior living, where residents experience a harmonious blend of opulence, personalized care, and a vibrant community. Their commitment to providing a nurturing and engaging environment for seniors seeking diverse levels of care sets a benchmark for excellence in the realm of senior living. With a focus on luxurious accommodations, exceptional amenities, personalized care, and a commitment to holistic well-being, Elance stands as a testament to redefining senior living, ensuring that residents live their golden years in comfort, dignity, and joy. As a destination that combines elegance with compassionate care, Elance of Sarasota continues to be a cherished haven for seniors seeking a life of luxury and fulfillment.
Running is very accessibleit doesn't require any special equipment or a gym membershipwhich is why so many individuals decide to do it. Running can take a toll on the body, especially when the body is not used to the training or the training intensity changes too much in a short period of time. Injuries are more likely to occur when running without the proper warm-up or attire.Listed below are some common injuries that runners may face, as well as signs and symptoms to look out for.Plantar FasciitisThe plantar fascia is a band of tissue that connects the heel bone to the base of the toes. It supports the arch at the bottom of the foot. Plantar fasciitis occurs when the fascia tissue that links the heel to the base of the toes becomes inflamed. One of the main symptoms of plantar fasciitis is pain in the heel, especially after exercise or first thing in the morning.Achilles TendonitisThe achilles tendon is the band of tissue that connects the calf muscles at the back of the leg to the heel bone. Achilles tendonitis is an overuse injury to the achilles tendon. Symptoms can include a mild to severe ache or pain in the back of the leg or above the heel. Tenderness and stiffness in the morning, which gets better with activity, can also occur.IT (Iliotibial) Band SyndromeThe IT band is a thick band of tissue (ligament) that runs on the outside of the leg; it starts at the hip and extends to the outer side of the shinbone below the knee joint. IT band syndrome occurs when the band of tissue gets swollen and irritated from rubbing against the hip or knee bone. Symptoms can include hip or knee pain, redness, and warmth around the outside of the knee. The symptoms may start after exercise, and as they worsen, you will feel pain during exercise and during rest periods.Runners KneeRunners knee is a dull and aching pain that is felt behind the knee cap, especially where it meets the femur. Symptoms of runner's knee can include swelling, popping or grinding of the knee, and pain around or behind the knee.Ankle SprainAnkle sprains are one of the most common injuries that occur at all ages and at all activity levels. Ankle sprains occur when the ankle ligaments are stretched beyond their limits and tear. Sprains can range from a tiny tear to a complete tear of the ligament. Symptoms of ankle sprains can include swelling, pain, bruising, tenderness, and instability of the ankle.FracturesFractures are breaks or cracks in a bone. There are different kinds of fractures and different severities. Symptoms of fractures can include swelling, bruising, tenderness, or deformity. Fractures can occur in most bones; the most common area for fractures to occur in runners is in the foot or ankle.If you are experiencing any of the conditions or symptoms listed above, please call our office at 239 - 325 - 4090 to schedule an appointment for evaluation.
Basics of Reverse Home MortgageA reverse home mortgage is a type of loan that allows homeowners to access a portion of their home equity without having to sell their home or make monthly mortgage payments. Unlike a traditional mortgage, the loan balance of a reverse mortgage increases over time and is typically only repaid when the homeowner sells the home or passes away.Differences from Traditional Mortgage Reverse mortgages do not require monthly mortgage payments, while traditional mortgages do. The loan balance of a reverse mortgage increases over time, while the loan balance of a traditional mortgage decreases over time as payments are made. Reverse mortgages are typically only repaid when the homeowner sells the home or passes away, while traditional mortgages are repaid over a set term. A Financial Solution for Seniors For seniors, a reverse mortgage can be a great financial solution. It allows them to access the equity in their homes without selling or giving up ownership. Reverse mortgages are also a great way to supplement retirement income. They provide a steady stream of funds that can be used to cover living expenses. With a reverse mortgage, seniors can enjoy their retirement years and have peace of mind knowing they have a reliable source of income.Reverse mortgages are also a great way to pass on wealth to heirs. The loan is paid off from the sale of the home, and the remaining equity is passed on to the heirs.Eligible homeowners obtain reverse mortgages for many reasons including: Repairing or modifying the home to meet the physical needs of getting older Supplementing retirement income to meet expenses Managing the costs of in-home care Paying off an existing mortgage Paying increased bills due to inflation and economy Paying property Taxes Delaying Social Security Providing a source of funds for living expenses in lieu of liquidating financial investments during times of market downturn or disruption Helping retirement savings last longer Purchasing a retirement home Recent ClientsA retired couple in their late 60s, John and Susan, were struggling to make ends meet on a fixed income, due to inflation and the cost of living increasing. They had significant equity in their home but were hesitant to sell it and downsize because of the current real estate market. They decided to explore a reverse mortgage as an option to access their home's equity without having to sell it. The reverse mortgage allowed John and Susan to access their home's equity and use the funds to pay off their existing mortgage and cover their increased living expenses. They were able to stay in their home and maintain their quality of life, without having to worry about making monthly mortgage payments. Mary Anne, a retired infusion nurse, suffered some medical challenges and her insurance did not cover all of her additional expenses. She decided a reverse mortgage was her best option. It allowed her funds to seek non-traditonal treatment and was able to eliminate the financial stress in her life, allowing her body to heal.A retired widow in his late 70s, James wants to stay in his home as long as possible. His home was mortgage free and he intends to leave it to his two children who live out of state. The reverse mortgage allowed him to access his home's equity and use the funds to make the modifications to continue staying in the home unassisted.It allows him the peace of mind knowing the has additional money to pay an in-home care giver if and when he needs one.He is able to stay in his own home and now worry about being a burden on his out of state children. He expressed to me that feeling of relief is priceless.This article was submitted by Nicole Cramer with Anchor Funding, Inc. Contact Nicole at 251-349-9891 or email her at email@example.com for more information about whether a reverse mortgage can work for you.