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Continuing Care Retirement Community Article

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Senior Continuing Care Retirement Communities

from: Kyle Besser

Continuing care retirement communities are entire communities or complexes that offer all levels of care from private homes to independent living apartments to full-service nursing homes.

The purpose of continuing care retirement communities is to allow residents to keep the maximum amount of independence as they age while still meeting all their housing, entertainment and medical needs as they change over time. Residents of continuing care retirement communities have the option to move from one level to another as their needs change while still remaining part of the same continuing care retirement community they've come to know and trust.

Some senior continuing care communities offer special Alzheimer's care units in addition to independent living, assisted living, and nursing home living options.

The biggest benefit of senior continuing care communities is that if a resident needs more care temporarily due to an accident, injury or other health problem, he or she can access that level of care for as long as needed, and then move back to their original physical and social environment.

Services offered in continuing care retirement communities include housekeeping and maintenance, meals, recreation programs, prescribed diets, utilities, and care during illness. Services are either included in the monthly fees, or can be available at an extra cost.

There are three main types of contracts that a resident signs when he or she enters a senior continuing care community.

*Extensive
*Modified
*Fee-for-service

Extensive Contract

This type of contract offers unlimited long-term nursing care for no increase or only a small increase to your usual monthly payments. Entrance fees and monthly costs are usually higher than with the other two types of contracts. With an extensive contract, the entrance fee is sometimes fully or partially refundable over time. Extensive contracts allow you to own your residence or rent or lease housing.

Modified Contract

This type of continuing care contract includes a specified amount of long-term nursing care as needed. If you require more care after you have used up the amount of care you pre-paid for, then you can still continue to receive the same level of care by paying the facility's daily or monthly nursing rate.

Fee-for-service

This type of contract covers the cost of your housing, residential services, and basic amenities. Additional fees are charged for any long-term nursing care required as you need it. Since residents are responsible for all long-term nursing and healthcare costs, monthly fees are lower under this type of contract. This type of contract also has a lower or no entrance fee.

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