Please indulge me for a moment...this topic digs at a personal issue for me. Many people, including several on this board, completely mix up the variety of facilities of care for seniors. It seems to be the consensus that when we become "doddery" (a term used by one poster) we will all be thrown into "the home", a thought so horrific that it strikes fear into the best of us. Please allow me to define the differences, as the terms are NOT interchangeable. The OP asked about experiences with Independent Living for Senior facilities. In some, you can be as young as 55 (or even 18 if you have physical or mental disabilities) and even continue to work if you choose. You take full care of yourself, as there is NO medical assistance on site. We just have the privilege of not being bothered with other people's kids living there, lol. The one I live in had a requirement age of 62. I am one of the "youngsters" here, at 63 when I entered last year. Many people here ask me if I am visiting someone, as they do not believe I am older than my 50's. I pay $422 a month rent for a private studio apartment with a kitchen and bathroom, and it includes all utilities. I am here, as I tell my kids, "for the cheap rent and a great view." I am still in excellent enough health to live in a regular apartment building, but as an ex-JW, my finances are less than adequate for that.
Assisted Living is the next level, where you are beginning to deal with some health issues that require you to need medical assistance, and also provide some housekeeping help. They can be very expensive, because they include doctor and nurses on site or on call, and your meals, laundry etc. is included. Nursing homes are for the fully disabled senior, who cannot perhaps even feed, bathe and remember who family members are, and cannot be left alone without supervision lest they injure themselves (or others, as some have experienced). It too is very expensive, and I don't know what I will do when the day comes that I will need assisted care or nursing home care. Please everyone prepare for your retirement as it will come, if you are lucky, sooner than you think.