Continuing care retirement communities, often called CCRC’s for short offer a wide range of services in one location.  CCRC’s offer independent living, assisted living, skilled nursing and even dementia care.  Continuing care communities are a place where seniors can receive the care they need without having to make multiple moves.

Continuing care communities offer multiple services throughout their communities.  Generally a person will move in when independent living is an immediate option.   And CCRC’s are a great option for couples where one is in need of more care than the other.   Continuing care communities also provide short-term nursing care if a resident would need.  This may be needed after an illness or injury occurs.  Your loved one would receive the medical care needed on the same campus and then return to their apartment once they have fully recovered.


The cost of a continuing care retirement community is by far the most expensive option in senior living.  However, if you or your loved one can afford it, you can assure your needs will be met through the remainder of your life.

Generally in a CCRC a resident will pay a large entrance fee, anywhere from $20,000 to $600,000 and your monthly fee will range anywhere from $1,000 to $5,000.  And in some communities they will charge additional fee based upon the services.  Most CCRC payment is private pay or may accept a long term care insurance policy.  And then in some cases of acute illness or injury one may be able to file with Medicare or Medicaid.


Usually included in an initial contract are the following:

  • Meal
  • Housekeeping
  • Transportation
  • Activities
  • Some medical

If you or your loved one is looking to purchase into a continuing care community you will want to make sure and review closely the services included in the contract during your visit.  Continuing care community contracts can often be very long and detailed.  We recommend that you review the contracts with a trusted third party.

CCRC’s are a great option for those who want the comfort of care in one place.  However, those who move in to a CCRC may lose some of their independence as they will likely not only be handing over a large portion of money but also his or her assets to ensure their care.  And in most continuing care communities administrators will play a large part in deciding when you or your loved one will need to move from one level to the next.  It is important that while visiting each location you discuss in detail who/what determines you or your loved ones care within the community.

Search CCRC Options:

To find a CCRC that works for you visit  We recommend you narrow it down to a few locations and call and set a time to visit with each.  Try and schedule your visit during a meal time and don’t be afraid to ask the difficult questions.

If you are still not sure which option in senior living is right for you give us a call today!  Allow one of our Trusted Advisors help guide you through the decision making process.  Making a move for yourself or a loved one can be a difficult time and we are here to help!