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What Is A Continuing Care Retirement Community?

A Continuing Care Retirement Community (CCRC) is a residential community for the remainder of one's life, with a choice of services and living situations. Seniors can move between Independent Living, Assisted Living, and Nursing Home Care based on changing needs at each point in time.

These housing communities have different levels of care based on your needs. Where you live depends on the level of care you need. In the same community, there may be individual homes or apartments for residents who still live on their own, an assisted living facility for people who need some help with daily care, and a nursing home for those who require higher levels of care. Residents move from one level of care to another based on their needs but still stay in the CCRC.

If you are considering a CCRC, be sure to check the record of its nursing home. Your CCRC contract usually requires you to use the CCRC nursing home if you need this level of care. Many of the questions that you might want to ask about these communities are the same as those to consider when choosing a nursing home. CCRCs generally charge a large payment before you move in (called an entry fee) and then charge monthly fees. In 2004, entrance fees range from $38,000 to $400,000. Monthly payments range from $650 to $3,500 per month.

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