What is a Continuing Care Retirement Community
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What is a Continuing Care Retirement Community?
A CCRC is a residential community for older adults (typically age 65 and older) that provides a variety of housing options along with services, amenities and a continuum of care designed to address the changing needs of residents as they age. One advantage of a CCRC is that residents are able to remain in the same community as their needs change. This alleviates the stress of moving multiple times and enables residents to maintain existing relationships in a familiar environment.
How does one choose a CCRC?
Structure, services and fees vary greatly among CCRCs, so its good to ask questions. For example:
- What types of contracts are available?
- Is there an entrance fee? Is it refundable?
- What types of care are available?
Do they offer Assisted Living, Skilled Nursing Care, Memory Support or other levels of care?
- What services and amenities are included? Which ones are available for an additional fee?
- Is the CCRC financially stable?
Can I evaluate a CCRCs finances?
When you choose a CCRC, you're planning to be there for the long term. So its important to know the community is actively planning for that, too. Some questions to ask include:
1.Is the organizations most recent audit or annual financial report available for review? Are statements of financial position, operation and cash flow included?
2. Does the organization have a positive net worth? If not, how is its long-term financial health affected?
3. In the past few years, have operating revenues exceeded expenses?
4. To what degree does the organization rely on non-operating income from donations, endowments and investments?
5. Do the organizations financial ratios indicate it has the resources to ensure its ability to provide services now and in the future?
6. Does the organization have an endowment? If so, what size?
How is it used and managed?
7. Is there a resident assistance fund? How can residents qualify?
8. Does the organization have a formal risk management program?
9. What type of insurance does the organization have?
10. How are residents involved in strategic and financial planning and decision making?
Source: Consumer Guide to Understanding Financial Performance and Reporting in Continuing Care Retirement Communities
Editors Note: This article was submitted by The Arlington of Naples, a new CCRC coming to Naples, Florida. For more information, call 239-206-2646 or visit www.ArlingtonNaples.org.
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