July 23


What the Heck is a CCRC? All You Need to Know About Continuing Care Retirement Communities

By Harrison O'Reill

July 23, 2023

Continuing Care Retirement Communities (CCRCs) are a popular housing option for seniors who want to maintain their independence while also having access to a range of healthcare services.

These communities offer a continuum of care, from independent living to assisted living to skilled nursing care, all on one campus. This means that residents can age in place and receive the care they need as their needs change over time.

If you’re curious about the subject, you’re in good hands. Keep reading to find out more about CCRC!


A CCRC is a senior living community that provides a continuum of care, from independent living to skilled nursing care, all in one location. Residents typically pay an entrance fee and a monthly fee, which covers housing, meals, healthcare, and other services.

CCRCs offer a range of amenities and activities, including social events, fitness programs, and transportation services.

Why Choose a CCRC?

CCRCs offer a sense of stability and peace of mind, knowing that you can age in place and have access to the care you need as your health changes. They also offer a range of housing options, from apartments to single-family homes, and a variety of care levels, from independent living to skilled nursing care.

CCRCs often have programs and services designed to promote independence and wellness, such as fitness centers, health clinics, and educational classes.

Types of CCRCs

There are three types of CCRCs: Type A, Type B, and Type C. Type A CCRCs, also known as Life Plan Communities, offer the most comprehensive care and typically require an entrance fee and higher monthly fees.

Type B CCRCs offer a similar range of care options but may not include skilled nursing care in the monthly fee. Type C CCRCs, also called fee-for-service CCRCs, require an entrance fee and monthly fee for independent living, but residents pay for additional services as needed.

Services and Amenities

CCRCs offer a comprehensive range of services and amenities to ensure residents’ comfort, independence, and well-being. From housing options and care levels to social activities and medical care, CCRCs provide a long-term care option for seniors.

Housing Options

Continuing Care Retirement Communities (CCRCs) offer a range of housing options, including apartments, cottages, and single-family homes.

Residents can choose the type of housing that best suits their lifestyle and needs. Some CCRCs offer modified contracts, which allow residents to pay a lower entrance fee in exchange for a smaller refund when they leave.

Care Levels

CCRCs provide a range of care levels, from independent living to skilled nursing care. This allows residents to age in place and receive the care they need as their needs change. Some CCRCs also offer short-term rehabilitation and memory care.

Activities and Programs

CCRCs offer a variety of social activities and recreation programs to keep residents engaged and active. This includes fitness classes, cultural events, and educational programs.

Medical Care and Services

CCRCs provide access to medical care and services, including medication management and nursing services. Some CCRCs also have on-site clinics and partnerships with local hospitals.

Housekeeping and Maintenance

CCRCs typically provide housekeeping and maintenance services, including laundry and cleaning. This allows residents to focus on enjoying their retirement and not worry about household chores.

Meals and Dining

CCRCs offer meal programs with a variety of dining options, including special diets. Some CCRCs have multiple dining venues, including cafes and restaurants, to provide residents with a range of dining experiences.


CCRCs provide transportation services to help residents get around town for appointments, shopping, and social activities. This includes shuttle buses and private cars.

Security and Safety Measures

CCRCs have safety measures in place, including emergency exits and sprinklers, to ensure residents’ safety. Some CCRCs also have security personnel on-site to provide additional safety measures.

Cost and Financing

CCRCs offer various housing options and additional services to accommodate the needs of residents. The cost and financing of a CCRC can vary depending on the pricing model, funding options, and eligibility requirements. It is important to research and compares CCRCs to find the best fit for your financial and healthcare needs.

Entrance Fees and Monthly Charges

Continuing Care Retirement Communities (CCRCs) require an entrance fee and monthly charge for residents. Entrance fees are usually a one-time payment made when a resident moves in, and monthly charges are paid for the duration of the stay.

The entrance fee covers the cost of housing, while the monthly charge covers additional services such as meals, housekeeping, and healthcare. The entrance fee and monthly charge can vary depending on the housing options and additional services provided.

Pricing Models

CCRCs have different pricing models, such as the entrance fee framework and straight rental model. The entrance fee framework requires a higher entrance fee, but monthly rents are lower.

The straight rental model requires no entrance fee, but monthly rents are higher. Additional services, such as short-term rehabilitation and health coverage, may also have their own pricing models.

Funding Options

CCRCs offer different funding options, such as modified contracts, to accommodate the financial needs of residents. Modified contracts can provide refunds or discounts if a resident moves out or passes away. Medicare and Medicaid may also cover some of the costs associated with long-term care in a CCRC.

Eligibility and Selection Process

CCRCs have eligibility requirements that vary from community to community. Life Plan Communities may require residents to be in good health and have a certain level of income. The selection process may include surveys, referrals, and interviews to ensure that residents are a good fit for the community.

Refunds and Discounts

CCRCs may offer refunds or discounts for entrance fees and monthly charges. Refunds may be provided if a resident moves out or passes away, while discounts may be provided for couples or veterans. Service fees such as move-in fees and occupancy fees may also apply.


In conclusion, a Continuing Care Retirement Community (CCRC) is a great option for seniors who want to live independently but also want the security of knowing they can receive care as they age.

CCRCs offer a range of services and amenities, such as dining options, fitness centers, and social activities, to help seniors maintain an active and fulfilling lifestyle.

With different contract options available, it’s important to carefully consider your financial situation and needs before choosing a CCRC. It’s also important to research the reputation and quality of care provided by the CCRC you are considering.

Overall, a CCRC can provide peace of mind and a sense of community for seniors as they age and can be a great option for those looking for a long-term solution for their retirement years.

Frequently Asked Questions

If you’re considering moving to a continuing care retirement community (CCRC), you might have some questions. Here are some of the most frequently asked questions about CCRCs:

What is a CCRC?

A CCRC is a type of retirement community that offers a range of housing options and care levels. Residents can move from independent living to assisted living or nursing care as their needs change. CCRCs typically require an entrance fee and monthly fees for services and amenities.

What are the benefits of living in a CCRC?

Living in a CCRC provides a sense of security and peace of mind knowing that you have access to care if you need it. CCRCs also offer a variety of amenities and activities to keep residents engaged and active. Additionally, CCRCs often have a strong sense of community, with opportunities to socialize and make new friends.

How do I know if a CCRC is right for me?

Before choosing a CCRC, it’s important to consider your current and future needs, as well as your budget. CCRCs can be expensive, so it’s important to make sure you can afford the entrance fee and monthly fees. You should also visit the community and talk to current residents to get a sense of the atmosphere and lifestyle.

What types of housing options are available in a CCRC?

CCRCs typically offer a range of housing options, from apartments to villas to single-family homes. The size and style of the housing options can vary depending on the community. It’s important to choose a housing option that meets your needs and preferences.

You might also like