Independent Living is a term used in many states to define a housing option for seniors. Most residents require little assistance, but choose independent living for peace of mind, knowing they are approaching the time they will need more help. Housing can range from single-family structures to multi-level apartment buildings. Some are monthly rentals, some are sold and others require the upfront payment of an entrance fee. Some are located in a CCRC (Continuum of Care Retirement Community) providing the assurance of higher levels of care, as needed. Monthly fees vary, depending on the services included. For instance, some offer meal plans and others do not. Some have staff available to assist with emergencies 24-hours a day. Others provide similar services through home health agencies. It is important to verify all these facts prior to choosing a retirement community.