What is a CCRC? What defines a Lifecare community? Is there a difference? In this article, you will learn about the available contract types at CCRCs so you can make an educated decision about the
type of community that’s best for you.
CCRCs—also referred to as continuing care retirement communities or Life Plan communities—offer a secure pathway for aging and future healthcare needs and eliminate the need for a disruptive move if you ever need a higher level of care. Residents typically enter these communities as independent living residents and enjoy access to continuing on-site healthcare, including assisted living and memory care, should the need for such services arise.
There are three types of care contracts available at CCRCs (Type A, Type B and Type C), all offering different levels of care coverage.
Type A Lifecare contracts include coverage of all potential care costs as part of the initial contract, which includes housing, services, and amenities. All Lifecare communities are CCRCs, but not all CCRCs offer a Lifecare contract. A
Lifecare contract requires an entrance fee but ensures predictable monthly fees regardless of your care needs. Plus, couples with a Lifecare contract can occupy two residences on the same campus but only pay one monthly fee.
Those who opt for Lifecare know they can count on high-quality care available at predictable rates for the rest of their lives. Generally, Lifecare residents pay far less for these services than they would on the open market as part of a smart
financial plan to protect themselves and their estate from the ever-increasing costs of long-term care.
Type B Modified Care Contracts offer lower upfront deposits and monthly fees but also have limitations on covered long-term care services. Healthcare is typically provided in one of two ways:
1. A limited number of free days included as part of the entrance fee, with additional care billed at per diem market rates
2. An ongoing, minimally discounted rate Healthcare services may be delivered on or off site, and two monthly fees may be incurred if couples require different levels of care.
With a Type C Fee-for-Service Contract, access to long-term care, while typically guaranteed, is charged at market rates. If a resident requires care on a short-term basis, to maintain their independent living residence, that resident would be required to pay the monthly fee on the independent living residence plus the costs of housing and healthcare received in assisted living, memory care or skilled nursing. While there’s no upfront expense under this plan, the market costs of care can rapidly exceed the amount of an upfront entrance fee without the benefits of pre-arranged long-term care costs.
So which CCRC contract is the best? There’s no one right answer for everyone. It comes down to making the decision that you’re comfortable with after considering things like your family history regarding life expectancy and health in addition to knowledge about the different types of CCRCs.
Contributing
Writer — Adam Manchester, Executive Director, New Pond Village amanchester@benchmarkquality.com 508-660-1555
At Vincentian, Patient and Family Centered Care is a fundamental approach that shapes every aspect of healthcare delivery. This philosophy places individuals at the heart of all decisions and actions, recognizing that each person has unique needs, preferences, and communication styles.Core PrinciplesThe cornerstone of this approach is the partnership between caregivers, patients, residents, and their families. This collaborative model ensures that care is tailored to individual needs, promoting not just health but overall thriving.Understanding the Patient ExperienceTo truly grasp the patient and resident experience, Vincentian employs several strategies:Shadowing: Staff members may follow patients or residents throughout their day to gain firsthand insights into their experiences.Observation: Careful monitoring of daily routines and interactions helps identify areas for improvement.Continuous Learning: The organization maintains an open dialogue with those they serve, constantly adapting to feedback and new information.Practical ApplicationsPatient and Family Centered Care manifests in various practical ways:Personalized Scheduling: Therapy sessions are arranged around preferred mealtimes or sleep patterns.Tailored Welcome: New residents receive personalized invitations to activities matching their interests.Flexible Care Plans: Care routines are adjusted to accommodate individual preferences and habits.Fostering ConnectionVincentian recognizes that the need for human connection doesn't diminish with age or in care settings; in fact, it becomes even more crucial. Their approach emphasizes:Intergenerational Interaction: Programs that bring together different age groups, fostering mutual learning and growth.Holistic Wellness: Strategies addressing all aspects of well-being, from physical health to social and emotional needs.Community Building: Creating environments where residents don't just coexist but thrive together.Designing for Individual NeedsThe organization goes beyond basic care to create living spaces that truly feel like home. This is achieved through:Resident Councils: Groups that provide input on community decisions and improvements.Experience Workgroups: Teams dedicated to enhancing the overall resident experience.Adaptive Design: Spaces and programs that evolve based on resident feedback and changing needs.Inclusive EnvironmentVincentian strives to create an atmosphere that is welcoming and accommodating to all. This includes:Diverse Programming: Activities and events that cater to a wide range of interests and abilities.Accessible Spaces: Physical environments designed to be navigable by residents with varying levels of mobility.Cultural Sensitivity: Recognition and celebration of the diverse backgrounds of residents and staff.Continuous ImprovementThe organization maintains a commitment to ongoing enhancement of their care model. This involves:Regular Feedback Loops: Mechanisms for residents and families to share their experiences and suggestions.Staff Training: Continuous education for caregivers on the principles of Patient and Family Centered Care.Innovation in Care: Exploring new technologies and methodologies to improve care delivery and resident quality of life.By embracing this comprehensive approach to Patient and Family Centered Care, Vincentian creates a nurturing environment where individuals are not just cared for but truly valued and empowered. This model recognizes that each person's journey is unique, and by tailoring care to individual needs and preferences, Vincentian helps ensure that every resident can live their life to the fullest, maintaining dignity, autonomy, and a sense of community throughout their care journey. Give them a call today to learn more about what makes them different.
When someone you love needs extra care, it's time to think about a nursing home. This can be a tough decision, but there are ways to make it easier. Let's look at how to pick a good nursing home that will take great care of your family member.Location and BuildingThe first thing to think about is where the nursing home is. It's best if it's close to you so you can visit often. When you go to see the nursing home, look around carefully. Is it clean? Does it look nice outside? Are there places where your loved one can go outside for fresh air?Look at the rooms too. Make sure you see all kinds of rooms, not just the fancy ones. Ask yourself if the rooms feel cozy or if they look too much like a hospital.Staff and CareThe people who work at the nursing home are very important. You want to make sure there are enough workers to take care of everyone. Ask how many nurses and helpers there are for each patient. Also, find out if the same people work there for a long time. If workers stay at their jobs, it usually means they like working there.It's also good to ask how the workers are trained. Do they know how to help older people with different health problems? Make sure they know how to take care of your loved one's special needs.Daily LifeA good nursing home should help your loved one have a nice day every day. Ask about what kind of activities they have. Is it just bingo and movies, or do they have other fun things to do? Can your loved one go on trips outside the nursing home?Food is important too. Ask about the meals and snacks. Can your loved one eat whenever they want, or are there set meal times? Try to taste the food if you can.Some nursing homes let people help out with small jobs if they want to. This can make your loved one feel useful and happy. Ask if they have chances to do things like help deliver mail or read to other people.Respect and ChoicesIt's important that your loved one is treated with respect. They should be able to make some choices about their day. Can they decide when to wake up or what to wear? Can they eat in their room if they want to? Make sure the nursing home respects your loved one's likes and dislikes.Visitors and FamilyCheck the rules about visitors. Can you come anytime, or are there special visiting hours? It's good if you can visit often. Also, ask if your loved one can make video calls to family and friends.Money MattersNursing homes can be expensive. Many people think Medicare will pay for everything, but that's not always true. Medicare only pays for some types of care, and only for a short time. You might need to pay for some of the care yourself.Ask the nursing home how much it costs and what kinds of payment they accept. Some places might help you make a plan to pay over time.Keep Asking QuestionsEven after you choose a nursing home, keep asking questions and staying involved. Visit often and pay attention to how your loved one is doing. If you see anything that worries you, talk to the people in charge.Remember, the most important thing is to find a place where your loved one will be safe, happy, and well cared for. By asking lots of questions and looking carefully at different nursing homes, you can find the best place for your family member.
Vincentian is a remarkable organization dedicated to providing comprehensive care and services for older adults and their families. With a rich history dating back to 1924, Vincentian has established itself as a trusted name in senior care, offering a wide range of options to suit various needs and preferences.A Holistic Approach to Senior LivingAt Vincentian, we understand that each individual has unique requirements when it comes to their living arrangements and care. That's why we offer a full continuum of care, designed to help older adults maximize their happiness and quality of life.Independent LivingFor those who wish to maintain their independence while enjoying a maintenance-free lifestyle, our Independent Living option is ideal. You can leave the burden of home upkeep, groundskeeping, and snow shoveling to us, allowing you to focus on enjoying life to the fullest.Personal CareAs we age, some of us may require a little extra assistance with daily tasks. Our Personal Care services are tailored for those who need a small amount of help with activities of daily living, ensuring you maintain your independence while receiving the support you need.Memory CareFor individuals living with Alzheimer's or other forms of dementia, our Memory Care facilities provide a safe and nurturing environment. These spaces are specially designed to allow residents to thrive and be themselves, with staff trained to provide compassionate care for those with memory-related conditions.Long-Term CareSometimes referred to as nursing home care, our Long-Term Care option is available for those who require round-the-clock access to nursing services. Rest assured that our dedicated staff is always on hand to provide the highest level of care.Rehabilitation ServicesShould you find yourself in need of recovery after a hospital stay, fall, or illness, Vincentian offers comprehensive rehabilitation services. Our post-acute care setting provides 24/7 nursing care and access to a range of therapies to help you regain your strength and independence.Occupational TherapyOur Occupational Therapy program focuses on helping you participate fully in activities of daily living. This includes both fine and gross motor skills, enabling you to perform household chores, handle small objects, and maintain your daily routines with confidence.Speech TherapyFor those experiencing difficulties with communication or swallowing, our Speech Therapy services can be invaluable. Our therapists work to improve general communication, voice, language, and swallowing abilities.Physical TherapyOur Physical Therapy program is designed to enhance your mobility and strength. Through exercises and targeted movements, we help improve your flexibility, endurance, strength, balance, and posture.Enriching Lives Beyond CareAt Vincentian, we believe in nurturing the whole person. That's why we offer various programs and services that go beyond traditional care:Vincentian Learning and Engagement Institute (VLEI)Our VLEI program brings learning opportunities to the community, sparking imagination and fostering new perspectives. It's a wonderful way to stay engaged and connected with others.Child Care ServicesVincentian also offers childcare services for children aged six weeks to six years, as well as summer discovery camps. This intergenerational approach creates a vibrant community where young and old can interact and learn from each other.Unconventional KitchenOur unique culinary initiative not only serves delicious, locally-sourced meals but also reinvests every dollar back into our nonprofit mission. It's a delightful way to enjoy good food while supporting a great cause.At Vincentian, we're committed to providing compassionate, person-centered care that puts you at the heart of everything we do. Our mission is rooted in fearless compassion, always ready to step in and meet unmet needs in the community. We invite you to experience the Vincentian difference and join our warm, welcoming community.
New Pond Village is a continuing care community that offers licensed assisted and memory care as part of the Lifecare Program. Seniors seeking assisted living or memory care can opt to move directly to higher levels of care on a month to month rental basis. New Pond Village has modern apartments and exceptional amenities in our brand new residential care community. We also offer independent living.