Last Updated: April 14, 2024

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As Florida senior couples transition into the later chapters of their lives, their overriding desire is to stay together for as long as possible. 

Having spent decades raising their families and sharing life’s ups and downs, the thought of living apart can be daunting and frightening. 

However, senior care encompasses a range of options, and it’s crucial to choose a community that addresses the needs of both partners, now and in the future. For example, one spouse might need help with daily activities such as dressing and bathing, while the other remains completely independent. Similarly, one might show signs of dementia, while the other does not experience any cognitive challenges. 

Thankfully, Florida’s senior living communities understand this and are well-equipped to support couples who want to stay together. 

This article will explore various types of care available and their costs, aiming to assist your aging parents in finding a community where they can thrive together.

Independent Living for Senior Couples

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What is Independent Living?

Independent living allows senior couples in Florida to enjoy a community environment while maintaining a high degree of independence. These communities are designed for seniors who can manage their daily activities without assistance but seek the convenience of community living with added amenities. 

However, independent living communities in Florida do not offer assistance with daily living activities or medical help. Many independent living residences are on a campus with assisted living or memory care communities next door. While independent living offers social benefits, meal plans, and activities, it does not provide medical care.

Benefits for Couples in Independent Living

Independent living provides a balanced lifestyle for couples, with less responsibility for home maintenance and more time for enjoyment. Communities typically offer various amenities such as group meals, fitness centers, and social clubs, allowing couples to enjoy their retirement with peers. Many of these communities have robust social activities and trips to movies, plays, and restaurants. The setting fosters a strong sense of community, providing social opportunities to enhance both partners’ quality of life.

Cost of Independent Living for Seniors

Independent living is less expensive than assisted living. Although Florida’s independent living costs have increased less than the national average, inflation rates in many of its metropolitan areas are some of the highest in the country, leading to significant cost variations across popular cities. 

Interestingly, in 2023, some of the most populated cities reported the lowest average costs; Miami and Jacksonville, for example, had monthly fees of $2,521 and $3,074, respectively. In contrast, other well-known cities, such as Orlando and Tampa, saw higher monthly rates at $3,874 and $4,529, respectively. Typically, there is a second-person fee for independent living, which is around $500 to $1,000.

Assisted Living for Senior Couples

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Understanding Assisted Living

Assisted living communities provide personalized care and support services for seniors who need help with activities of daily living (ADLs) such as bathing, dressing, and medication management. Nationwide, more than 818,800 Americans currently reside in assisted living communities, which account for 88% of all senior residential care community residents. 

According to the University of South Florida School of Aging, more than 3,000 assisted living communities in Florida have more than 106,000 beds.

These communities offer a balance between independence and care, ensuring that each individual’s needs are met. Assisted living communities are designed to help seniors with activities of daily living and design care plans to meet each senior’s unique needs.

Cost and Considerations for Assisted Living

According to Genworth Financial, the median cost of a private, single-bedroom unit in an assisted living facility in Florida is about $4,750 monthly. Most communities have an additional second-person fee.

For couples, the cost can vary depending on whether both individuals need similar levels of care or if one requires more intensive services. Assisted living communities in Florida are equipped to tailor their services to each couple’s unique needs, ensuring they can live as comfortably as possible together.

Married couples are common in assisted living communities, and most welcome unmarried couples, too.

Memory Care for One of the Partners

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The Need for Specialized Care

Memory issues and cognitive challenges are becoming more prevalent in the senior population. For example, according to the Alzheimer’s Association, more than 580,000 Florida seniors are living with Alzheimer’s. Although it is the most prevalent, Alzheimer’s is just one of the forms of dementia affecting Florida seniors.

Memory care units are specialized for seniors experiencing dementia and other cognitive challenges. These facilities provide 24-hour supervised care within a secure environment and offer programs that help manage symptoms of memory loss.

When one of the partners has cognitive challenges in assisted living, staying together can become difficult to impossible as the mental decline progresses. As the condition advances, it is often beyond the capability of the caretaking spouse to safely care for the cognitively impaired senior. 

As much as the caretaking spouse wants to take care of their loved one, safety and optimum care often become an issue in the later stages of the conditions. Every person experiences cognitive issues differently, and every couple is unique 

Dealing with cognitive issues takes knowledge, experience, and expertise.

Facilities and Services for Memory Care

In situations where one partner requires memory care, facilities often make accommodations to keep couples as close as possible. While they may not be able to share a room if one has advanced needs, many communities allow for daily visits and shared activities, ensuring that couples continue to spend quality time together.

Memory Care Costs

Some memory care communities are stand-alone, treating only memory care seniors. However, many are located inside assisted living buildings. Memory care has an increased level of care over assisted living and is, therefore, more expensive. 

In memory care communities, the staff has a higher level of specialized training, like dementia training. The memory care wing has its own dining area and secure doors to keep everyone safe. 

The cost of all these extra and needed services is reflected in the price. According to the National Council on Aging, memory care in Florida typically starts at about $6,000 and goes up from there, depending upon the needed care.

Continuing Care Retirement Communities (CCRCs)

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Comprehensive Care in CCRCs

Continuing Care Retirement Communities (CCRCs) offer a comprehensive “aging in place” solution for senior couples, with multiple levels of care available on the same campus. This arrangement is ideal for couples who anticipate varying care needs in the future, allowing them to remain close to one another even as their health requirements change.

Financial and Care Considerations in CCRCs

Most CCRCs have a payment structure that includes a buy-in fee and a monthly maintenance fee. These communities are a good fit for some couples, as they can adapt to the couple’s changing needs without requiring costly moves or searches for new communities.

Planning for the Future

Evaluating Needs and Options

Senior consulting advisors at Florida Senior Consulting recommend that couples begin their search for a senior living community early. By assessing both partners’ health and personal preferences, couples can find a community that feels right for both of them now and in the future.

Expected Trends and Future Demand

With the number of people requiring assisted living care expected to grow significantly, planning ahead has never been more crucial. By 2040, an additional one million beds will be needed to meet the rising demand. Starting the search early allows couples to secure their preferred options in their chosen communities.

Options for Senior Couples

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Staying healthy and staying together are the two main goals of most senior couples. Staying together, even after one of you needs help, is still the preferred choice of seniors.

Choosing the right senior living option is a significant decision for Florida senior couples. 

With the assistance of a senior consulting advisor from Florida Senior Consulting, couples can navigate these choices more easily, ensuring that they can continue to live together and support one another through their golden years.

Let us help.

At Florida Senior Consulting, we work daily with senior couples in all stages of life, from independent living to assisted living to aging at home and those needing memory care.

As a Florida-based company, we have expert knowledge of the Florida senior market, including memory care, independent living, assisted living, and CCRCs. 

Senior options and decisions can seem confusing – but this is all we do. 

We have certified staff, professional nurse advocates, and decades of experience in the field, and all of our employees are Certified Dementia Practitioners.

If you are a senior couple and want to learn the best ways to stay together as you age, call us.

We will answer all your questions and help you decide what is best for you and your senior loved one.

For peace of mind, call us at (800) 969-7176 or visit us at

Senior living on your terms. The choice should be yours.

Contact Florida Senior Consulting

(800) 969-7176