Seniors have more choices for retirement than ever, particularly in Continuing Care Retirement Communities (CCRCs), which provide at least three levels of care such as independent living, assisted living, Alzheimer’s and dementia care in one location, while featuring luxury accommodations, daily activities and numerous amenities.
Yet many seniors still believe retiring at home is best. Why? A study by Age Wave uncovered five myths that may be misconstruing the perception of CCRCs among the age 50-plus population. Knowing the facts can help you look at CCRCs in a new light.
Myth: Your current home will be the best place to live.
Reality: It’s hard to anticipate your future health needs. The continuum of care in a CCRC assures that as health changes arise you can stay in the same community near friends and familiar surroundings. Plus, without home maintenance and chores, you’ll have more freedom and time.
Myth: To stay active socially, it’s best to remain at home.
Reality: You may have much more opportunity to do just that in a CCRC. With entertainment spaces and a full activity calendar, there’s ample opportunity to pursue interests, maintain enduring friendships and even make new ones. Most CCRCs are also near restaurants, shopping and local attractions.
Myth: It will be less expensive to stay in your current home.
Reality: Your mortgage may be paid, but monthly expenses could cost more than anticipated as health needs change. Rental CCRCs charge a monthly fee based on level of care and often include meals, transportation, housekeeping and social activities. A Life Care CCRC charges a monthly fee and an upfront entry fee giving you the possible added benefit of guaranteed care, even if your financial resources are eventually exhausted due to no fault of your own.
Myth: It’s easy to get the care you might need at home.
Reality: Long-term care at home can actually be difficult and costly. Factors to consider include caregivers, medical supplies, nutrition and risk of isolation. CCRCs allow easy transitions from one care level to the next, offering peace of mind and more predictable healthcare costs.
Myth: There are only old people who are sick and dying in CCRCs.
Reality: Anyone older than age 62 may be eligible to live in a CCRC if they meet financial and medical qualifications. CCRCs also encourage independence for as long as possible, without restrictions on driving, traveling and shopping as long as you’re able.
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