WHY PICK A CCRC INSTEAD OF AN ASSISTED LIVING OR OTHER TYPE OF RETIREMENT COMMUNITY?

WHY PICK A CCRC INSTEAD OF AN ASSISTED LIVING OR OTHER TYPE OF RETIREMENT COMMUNITY?

To tell you why a person chooses a CCRC instead of an assisted living facility or some other type of retirement community, you must know the difference. In North Carolina, Assisted Living Facilities now encompass what used to be called Rest Homes, Domiciliary Care or Home for the Aged, Long Term Care, and now the new assisted living facilities. Most of these facilities are geared to assist people in one or more of their activities of daily living. Some of these facilities have one monthly price that covers everything. The new Assisted Living Facilities usually have a small entrance fee, and you pay for the services you need plus a monthly fee for room and board. This can actually become more expensive than a CCRC as people age. These facilities are licensed by the State of NC Department of Facility Services.

CCRCs, on the other hand, as described by David Ammons, director of another CCRC in North Carolina, “are licensed by the Department of Insurance. This licensing is required as the department is charged with regulating continuing care as a form of insurance product because fees and commitments made today are for services promised in the future. This time aspect is used to characterize continuing care as an insurance product. This commitment and contractual obligation to accept new residents as independent residents and then provide for them as their needs change is the difference between CCRCs and Assisted Living.” I believe this alone is a valid reason to choose a CCRC instead of an Assisted Living Facility or a retirement community that does not offer on-site health care. A person will not have to relocate or find themselves unprepared for health changes when living in a CCRC.


Statistics show that people who live in retirement communities live longer than those who do not. No one has been able to identify any one factor for this great blessing. Factors like better nutrition, better medical supervision, more social involvement, greater mental stimulation, freedom from worry, more physical activity, a safer environment, greater participation in hobbies or other satisfying and pleasant activities, certainly all play a part. Such factors not only “add years to your life, but also adds life to your years.” Today’s CCRCs offer the senior population a chance to enjoy life to its fullest while they can live independently and enjoy good health, yet support is available when and if it is needed, for as long as it is needed.



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