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Finding Security in Continuing Care Retirement | A Guide for Seniors

Today’s seniors have several different choices for retirement living. A continuing care retirement community, or CCRC, is one of these options. CCRCs provide long-term continuing care that includes accommodation and nursing care, typically at the exact location.

What is CCRC?

A CCRC, also known as a continuing care retirement community, is an excellent choice for seniors who choose to age in place. These communities offer a continuum of care on a single campus, allowing members to shift from one living level to the next as their health needs change. A CCRC will typically provide four levels of care – 

  • independent living
  •  assisted living
  •  memory care
  • skilled nursing

Residents begin by living independently in an apartment, duplex or single-family home and then progress to assisted living and skilled nursing if necessary. Rather than allowing a health crisis at home to force a relocation into an assisted living facility that may or may not be suitable, residents of a CCRC know where they’ll get the care they require, who will give it, and how much it will cost. Having a plan for the what-ifs provides residents and their family members with additional peace of mind.

How Is It Different?

The main difference here is that CCRCs recognize that many seniors prefer to live as independently as they did in the past. Assume you are an elderly person who lives alone. You can still live alone but spend more time alone than you would prefer. You can relocate into a CCRC’s independent living section to deal with this. 

There, you can continue pursuing your previous hobbies and interests while living close to those who can assist you in times of need. You’ll form your community as you get to know the place, the people, and the neighbours. Cutting the grass or scrubbing the floors become too difficult as you age. This is when moving into or using the CCRC’s assisted living components is the right option.

What Are The Benefits?

CCRCs offer a variety of benefits to seniors who choose to live in them. These communities provide a continuum of care, meaning residents can move from one level of care to another as their care requirements change. Here are some of the benefits:

  • Peace of mind: One of the good parts about CCRCs is the peace of mind CCRs offer to seniors and their families. Knowing you have access to the top care you need when you need it can be a huge relief. Whether looking for independent living, assisted living, or skilled nursing care, you can stay within the same community and continue receiving high-quality care.
  • Socialization: Another advantage of CCRCs is the opportunity for socialization. Living in a group or community with other seniors can provide a sense of belonging and companionship. CCRCs often offer social activities, events, and classes that residents can participate in. This can help the elderly stay active and engaged, both physically and mentally.
  • Access to amenities: CCRCs often offer a range of amenities to make life better and more enjoyable for seniors. These may include fitness centers, swimming pools, dining options, transportation services, and more. Having access to these amenities within the community can be convenient.
  • Maintenance-free living: Many CCRCs offer maintenance-free living, meaning elderly residents don’t have to worry about home repairs or yard work. This can be good for people who cannot do these tasks themselves,
  • Health care services: CCRCs provide various services, from routine checkups to skilled nursing care. This means residents can get the care they need without leaving comfort. This can be beneficial for seniors who may have mobility or transportation issues.

How To Find The Right Continuing Care Retirement?

Finding a continuing care retirement community (CCRC) involves research and planning. Start by determining your budget and the level of care you need. Consider the location, amenities, and services offered by different communities. 

Research each CCRC thoroughly and visit several communities before making a decision. Talk to current residents, staff, and management to understand the care. Make sure the CCRC is licensed and accredited by the appropriate agencies. Once you have found a CCRC that meets your needs, review the contract carefully and consult a lawyer if necessary before signing.

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