Independent Living Communities in Kentucky

Independent living communities in Kentucky are for seniors who want to enjoy their freedom, without the upkeep of a traditional home. These communities have services available to seniors such meals, transportation, housekeeping, recreation, and so much more. The seniors living in Kentucky’s independent living communities are healthy, active, and have similar interests which encourage a strong and supportive social network. Although each community is unique in what exact amenities are offered, you'll be sure to find the perfect fit for your lifestyle with Kentucky's independent senior living care options.


Find Senior Caring Options by County

Cost Comparison of Kentucky Independent Living

City Monthly Minimum Monthly Maximum Monthly Median
Lexington $1,899 $2,310 $2,105
Louisville $1,624 $3,393 $2,571

Kentucky has 41 independent living communities with the average cost of $2,435 per month. 

Comparing costs is a great place to start when looking for an independent senior living option. One of the key benefits to this care type is the range of amenities found in different communities. Here are a few costs found throughout Kentucky.

Recreation & Attractions in Kentucky

Kentucky has great views for residents to see such as the Mammoth Cave National Park, Lost River Cave, National Quilt Museum, Kentucky Down Under, Red River Gorge, and many more interesting sights to be seen. The Mammoth Cave National Park is the longest system of caves in the world, with incredible rock formations, high ceilings, a river and other incredible aspects to the caves. The Lost River Cave is seven miles long with a river running through it and has different features such as bird watching, natural trails, butterfly habitat, gem mining, and bird bingo. The National Quilt Museum displays a variety of different quilts from all over the world and the Kentucky Down Under is an Australian themed zoo with animals such as kangaroos, peacocks, white bison, lemurs and more.

Kentucky's Climate, Geography & Culture

The average temperature in Kentucky is 54 degrees with a high temperature of 65 degrees and a low temperature of 42 degrees. The summers are moderate with the occasional hot, humid days and winters have snow, but it melts quickly. Winter temperatures are in the 40 and the summer temperatures are in the 80s. The fall and spring temperatures are between 50 and 70 degrees. Kentucky receives 44 inches of rainfall annually and 8 to 10 inches of snowfall, depending on the location.

Located outside Louisville, the state is famous for horse racing at the Kentucky Derby, attracting massive crowds the first Sunday of May each year. Accompanying the racetrack is the Kentucky Derby Museum detailing the history of the sport and what it means to the state and its culture. Otherwise, Kentucky is known for its bourbon and love of the outdoors.  

Kentucky Independent Living Regulations and Laws

All rules and regulations of Kentucky independent living communities are overseen by Kentucky Department of Health. These regulations ensure that all communities meet the appropriate health, safety, and medical conditions. Annual reports are to be made public upon request, detailing any past violations and the steps taken to correct them. Your safety and satisfaction are of utmost importance to your community and fellow residents, so never feel discouraged from airing your grievance if you think a violation has been made. 

Crime & Safety in Kentucky

Sperling’s Best Places rates Kentucky 37 out 100 for violent crime and 40 out of 100 for property crime (1 being the lowest crime). The United States scored 41 for violent crime and 44 for property crime. Kentucky has many crime prevention associations such as the Kentucky Crime Prevention Coalition, local and state police departments, and neighborhood watch programs. The Kentucky Crime Prevention Coalition offers information, tools, training, membership, and their own organized neighborhood watch in order to reduce and prevent crime.

LocationViolent Crimes Per 1,000 ResidentsProperty Crimes Per 1,000 Residents
Fort Thomas0.377.21

Payment Options for Kentucky Independent Living

Since Medicaid and Medicare don't usually (if ever) cover the cost of independent living, most seniors end up paying for this care option with their own private funds, pensions, and assets. However, if these things are unavailable to you, there are other options available.

To start, Veterans’ Benefits can be used by a single person to receive $1,644 a month, with couples eligible for around $1,949. It's important to note also that the surviving spouses of veterans may also be eligible for $1,056 a month. 

Otherwise, for citizens of the U.S. over 65, it might be necessary to consider how much money can come from a Supplemental Security Income (SSI). If you are blind, have a disability or children, and don’t already receive a sustainable income you may be eligible for to collect SSI at around $733 a month. 

Another option is a senior living line of credit which allows seniors to use up to $50,000 of unsecured credit to pay for their care as needed. Funds are sent directly to your community and repayment terms are flexible. With this type of credit, you will only need to pay for what you use without having to provide collateral. 

Senior & Elderly Rights for Independent Living in Kentucky

In addition to the rights afford to U.S. citizens by the Constitution, residents of independent living communities in Kentucky retain their rights to personal privacy, to file official complaints, and most importantly receive the care they need in a safe environment. Independent living encourages people to remain autonomous and fully involved with medical and financial decisions. If you have reason to believe your rights have been violated, it might be safe to contact a lawyer familiar with elder law. For more details regarding your rights, you can review the Kentucky Ombudsman

KY Independent Living Medical Record Rules & Regulations

State and federal HIPAA laws regulate the handling and access to one’s medical records. Only health care providers and their patients have the ability to view and release this information to third parties. Kentucky remains consistent with its medical record privacy laws, yet it is useful to review your legal options to stay informed. Don't ever feel pressured to release this information without the proper documentation and authorization. 

Finding the perfect senior care community is only part of making your loved one’s senior living transition smooth. At SeniorCaring, we know that it is also equally important to be aware of what other community services and resources are available to your family’s senior. Choose your location and find local resources for your senior.