Continuing Care Retirement Communities (CRCCs)

The defining feature of a CCRC is that it provides a continuum of care in one location:

1. Independent Living — For healthy, active seniors who want community and convenience
2. Assisted Living — For those who need help with daily activities
3. Memory Care — Specialized care for those with Alzheimer's or dementia
4. Skilled Nursing/Rehab — For those needing intensive medical care or recovery

As a resident's needs change over time, they can move between levels of care on the same campus, often staying close to their spouse or friends.

• Seniors who want to plan ahead and secure their future care needs in one place
• Couples where each partner may need different levels of care
• People who want peace of mind knowing care is available if and when needed
• Those who value a strong sense of community and long-term relationships

• Independent living apartments, cottages, or villas
• Assisted living suites
• Memory care units
• Skilled nursing rooms
• All located on the same campus or nearby

CCRCs typically offer extensive amenities including:

• Multiple dining venues and chef-prepared meals
• Fitness centers, pools, and wellness programs
• Cultural and educational programming
• On-site medical and therapy services
• Concierge and transportation services
• Housekeeping and maintenance
• Social clubs and activities
• Chapels, libraries, and gardens

This is one of the most important aspects of CCRCs. There are four main contract types:

Type A (Life Care) All levels of care included, Highest up-front cost, Predictable monthly fees, Comprehensive Healthcare Coverage

Type B (Modified) Some care included and some is paid as fee-for-service, Moderate up-front Cost, Moderate monthly fees, Partial healthcare coverage

Type C (Fee-for-Service) Pay for care as needed, Lower up-front Cost, Lower monthly fees, No healthcare coverage included

Type D (Rental) No buy-in, rent monthly, No up-front cost, Higher monthly fees, Healthcare coverage varies  

CCRCs are generally the most expensive senior living option:

• Entry fee (buy-in): Can range from $100,000 to $1,000,000+ depending on contract type and location
• Monthly fees: Typically $3,000 to $8,000+ per month
• Some or all of the entry fee may be refundable depending on the contract
• Long-term care insurance can help offset costs
• Medicare and Medicaid coverage is limited and varies by contract and level of care

• Aging in place no need to relocate as health needs change
• Spouse protection couples can stay on the same campus even if care needs differ
• Financial predictability especially with Type A contracts
• Peace of mind care is secured in advance
• Rich social environment lifelong friendships and community
• Comprehensive wellness focus physical, social, emotional, and spiritual wellbeing

• High upfront costs can be a barrier
• Entry fees may not be fully refundable
• Financial stability of the CCRC matters so research the organization carefully
• Transitioning between care levels, while easier, still involves adjustment
• May feel large or institutional to some residents

When considering a CCRC, look at:

• Financial health ask for audited financial statements
• Accreditation look for CARF International or other recognized accreditation
• Staff turnover rates lower is better
• Resident-to-staff ratios
• Contract terms have an elder law attorney review before signing
• Refund policy on entry fees
• Quality of care ratings for the skilled nursing component
• Culture and community fit you should visit multiple times and talk to residents