Living Situation; how will we know it's time for an independent living community?

With ur husbands health problems I would start with IL facility. As said one with an AL section and LTC.

My Aunt is in one where even if in IL you can get some services if help is needed. You pay for it, but its available.

All good advice.

Summing up, do it when you think maybe you should, not when you’re forced to realize that you have to.

I should jump before you're pushed, think of what you're gaining instead of what you're leaving behind.

You'll feel much more positive about the move if you're thinking "this looks like a really nice place to live, let's move there because it will suit us" than if it's a case of feeling that you can't carry on in your condo any more.

Very sensible of you to be looking well ahead, I hope you'll find plenty of options.

Your profile says your husband is "78 years old, living at home with depression, hearing loss, parkinson's disease, and sleep disorder."

This doesn't sound like condo living is for you and your husband. I would research good IL communities that are connected with a continuum of care (AL, MC and LTC) and accepts Medicaid. Move in before you think you need it.

Start touring places to get a sense of what they offer. That'll give you an idea of what you'll get in the way of services and community. When you're well versed in what they have to offer, you'll have a better sense of what to expect that'll tell you it's time.