Continuing Care Retirement Communities (CCRC): Plan Once, Live Well for the Long Term

Continuing Care Retirement Communities (CCRCs) offer a comprehensive range of care in one location, supporting seniors as their health needs evolve. With independent living, assisted living, and skilled nursing services available on one campus, CCRCs offer peace of mind, a sense of community, and continuity of care.

What Is a CCRC?

A CCRC is a long-term senior living option that allows you to “age in place.” Residents typically move in while still independent and can access additional care—like personal assistance, nursing, or memory support—if and when it’s needed.

Benefits of a CCRC

• Stay in One Place: No need to relocate as your needs evolve
• Levels of Care: Independent living, assisted living, skilled nursing, and memory care all within the same community
• Community Living: Social events, dining, wellness programs, and peer support
• Predictable Planning: Many contracts include long-term healthcare services and priority access to higher levels of care
• Peace of Mind: Loved ones know support is always nearby, even if circumstances change

When to Consider a CCRC

• You’re active now, but want to plan for future health changes
• You prefer not to burden family with decisions or caregiving needs
• You want a social lifestyle with access to care, all in one place
• You’re considering selling your current home and planning a long-term housing solution

Key Questions to Ask About CCRCs

• What levels of care are offered onsite?
• How do contracts work? Life-care, fee-for-service, and rental options vary widely
• What are the entrance and monthly fees? Understand upfront costs and what’s included
• Is there a refund policy? Ask about partial refunds if you leave or transition out of the community
• Can I use long-term care insurance? Some policies cover part of the CCRC services
• What happens if I outlive my savings? Some nonprofit CCRCs have financial support policies.

Planning Ahead

CCRCs are best suited for older adults who are currently independent and want to secure housing and care for the long run. It’s a smart option for those who wish for continuity, predictability, and fewer decisions later.

Need Help Comparing CCRCs or Planning for the Future?

LumaLink offers personalized support to help you explore continuing care communities, compare contracts, and plan confidently for the next chapter.

Chat with Luma now via voice call or text chat for referrals, contract guidance, and practical tools to evaluate your CCRC options.

Choose a place that grows with you. Chat with Luma today.

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