Finding the Right Continuing Care Retirement Community (CCRC)
Continuing Care Retirement Communities (CCRCs), also known as life plan communities, are becoming increasingly popular across the United States. These communities are designed to provide older adults with a continuum of care—allowing residents to remain in one community while moving through different levels of housing and support as their needs change.
A CCRC offers the stability of familiar surroundings along with the convenience of multiple services, activities, and care options in one location. For many seniors, this means independence now, and peace of mind for the future.
What Is a Continuing Care Retirement Community?
A CCRC typically includes several phases of living arrangements:
- Independent living – Apartments or single-level homes for active residents.
- Assisted living – For those who need help with daily activities.
- Skilled nursing care – Higher-level care and medical support when needed.
This progression provides consistency, community, and access to services as health needs evolve.
How to Choose the Right CCRC
With nearly 2,000 CCRCs nationwide, the selection process can feel overwhelming. Each community varies in housing, care options, and pricing. Before deciding, it’s essential to research carefully and ask the right questions.
Helpful Resources
- Eldercare Locator – A federal service connecting families to senior resources: Eldercare Locator or call (800) 677-1116.
- LeadingAge – Non-profit directory to search for CCRCs by zip code.
- Caring.com and SeniorLiving.org – Additional online search tools for local retirement communities.
Understanding Costs
According to AARP, nearly two-thirds of CCRCs require an entry fee, ranging from $239,000 to over $1 million. In addition, monthly fees typically cost between $2,000 and $4,000.
Before committing, be sure to ask:
- What is included in the monthly fee?
- Is the community for-profit or non-profit?
- How financially stable is the organization?
- At what point would I be required to move from independent to assisted living?
- What emergency response systems are in place?
Key Questions to Ask When Touring
When visiting a community, consider asking about:
Location & Accessibility
- Is the CCRC close to a hospital and local doctors?
- How convenient are nearby amenities such as grocery stores, public transit, or pharmacies?
Staff & Administration
- Are staff professional, approachable, and available?
- Is management accessible throughout the day?
Housing & Safety
- What are the available floor plans?
- Are homes equipped with safety features like grab bars and nonslip floors?
- Are assisted living and nursing areas private, with baths included?
Lifestyle & Services
- Are meals nutritious and accommodating of special diets?
- Are services like housekeeping, laundry, and transportation available?
- What social and recreational activities are offered?
- Are there exercise classes, clubs, or religious services?
Health Care Options
- Is dementia or memory care available?
- Is there an on-site pharmacy?
- Are medications managed by qualified staff?
Types of CCRC Contracts
It’s essential to review the contract carefully before signing. Common contract types include:
- Type A – Life-Care Contract: Higher fees but includes unlimited assisted living, medical care, and skilled nursing.
- Type B – Modified Contract: Limited set of services; additional care costs extra.
- Type C – Fee-for-Service Contract: Lower entry fee, but residents pay for services as needed.
- Type D – Rental Contract: Month-to-month rental option.
- Type E – Equity Agreement: Residents purchase ownership in their unit.
Because contracts are complex, it’s wise to have an elder law attorney review the agreement to protect your finances and rights.
Making the Final Decision
Joining a CCRC is a major life choice. To make the best decision:
- Visit multiple communities.
- Ask detailed questions.
- Review contracts thoroughly.
- Involve your family in the discussion.
When you find the right fit, a CCRC can provide comfort, care, and community for years to come.
Need Help Reviewing a CCRC Contract?
Our firm can help you review CCRC contracts, explain payment options, and protect your assets while planning for long-term care.
📞 Call us today at (207) 848-5600 to schedule a consultation.
