Moving to a CCRC is a personal decision and a highly individual choice that should be based on anticipated or potential future care needs as well as on current needs. Due to the indefinite nature of future needs, there may not be as much guidance available from local agencies or professionals as there might be for someone who must go into a nursing home immediately. But you still may wish to seek assistance and advice from professionals in your local Area Agency on Aging to be sure you're not overlooking other options.
Many CCRCs have their own internet sites with general information on their services and numbers to call for brochures or to speak with a representative. A CCRC also may have public relations staff members who work with prospective residents and their families to familiarize them with the establishment, its services and costs. You should request an information packet that will include descriptions of the physical setting, professional staff and governing organization. The packet also may include a financial worksheet that will help you compare the costs of living in a CCRC with the cost of maintaining a home with additional home health or personal care services in the community. But keep the source of information in mind since brochures are sales tools that may exaggerate the attractiveness and availability of residential and care services.
If your loved one should decide to move to the CCRC, he/she will be asked to fill out an application with information regarding health history and finances. It's important to make sure the healthcare staff at the CCRC has accurate and complete information, since they will be taking an active part in providing all of your loved one's basic healthcare needs. Financial arrangements will have to be in place before your application can be approved.
The business structure of CCRCs is complex. There can be a very significant financial commitment from the resident or family. It's wise to have an attorney review any contract before you sign it even if you're fairly confident that you understand its terms. You also may wish to have an accountant review the contract to explain its financial aspects. The contract may either be for the rental or purchase of living space and money invested in the CCRC may or may not be refundable if the resident dies or moves to a different facility. Be sure you know in advance what will happen to the residential space once it is no longer needed by your loved one.