Adult daughter emotionally unable to live on her own. Advice?

I'm not sure what to do. To most my daughter (26), Rachel, is a functional adult. She has a career, can cook, tend to a house, manage money, etc. Basically she has all the necessary life skills needed to thrive.Except she, by her own admittance, can't emotionally handle living on her own. It's partly our (my husband and I's) fault. We've never pushed her to move out. After high school, we told her we'd support her as long as she went to school. So she went to the local state college and got both a bachelor's and a master's degree.Now she works, contributes to the household funds, and keeps out of trouble, but still lives at home with us. She says she never wants to move out, and as long as she keeps helping out we're fine with that, but what about when my husband and I pass?She did have a month where she tried to live on her own. She was house sitting for a coworker of hers who was on vacation. But it didn't go so well. Before the first week was up you could hear how depressed she was on the phone. She later admitted she spent hours one day crying after a phone call home. Maybe she was just home sick but this doesn't seem normal? She even left the house to come home as soon as she was able. We're talking out the door 5 am the day the coworker was due home.She says living on her own was awful and that she hated us and her brother not being there. But we're not always going to be there? What will she do then? Maybe she can stay with her brother (22), but what about when he starts his own family?Please help Reddit. I don't want my daughter to fall to pieces when her father and I are gone, but how do I teach her the missing skills she needs to thrive?Edit: She's on meds for anxiety/depression and tried therapy (solo and group) several times since she was 20. Said it didn't work/help each time.We've suggested living with a roommate but she's only open to it if it's family.She has friends but they've all moved out of state.Tl;dr Adult daughter has all the skills necessary to survive on her own except emotional maturity. How can her father and I help her? via /r/Parenting http://ift.tt/297ERkI