Retirement Living Options

Knowing your options.

When it comes to retirement living, one size does not fit all. So Life Care Services, An LCS® Company, manages a variety of senior living options, from a continuing care retirement community (CCRC) to communities that offer independent living to assisted living, and memory care.

Living Options
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A continuing care retirement community (CCRC) offers independent living and skilled nursing. Many communities also provide assisted living and memory support. Typically, a resident moves into a residence and receives a variety of services such as dining, housekeeping, scheduled transportation, maintenance and security, and has access to social, wellness and educational programs. Residents live independently, enjoying the lifestyle they create for themselves. But the unique benefit of a CCRC is the access to a continuum of care if and as it’s needed. Care that is provided at a CCRC varies, but will always include skilled nursing for transitional, rehabilitation or long-term nursing needs. Whether through home health care or in specially designed areas on the CCRC campus, assisted living and memory care can also be provided. Transition among these levels of care is virtually seamless, as care is provided at the community. One of the popular benefits is that a resident is able to decide where that care will be provided prior to the need occurring. Then he or she receives that care surrounded by friends and staff who know them. Additionally, couples appreciate remaining close to each other even as needs change.

A CCRC typically offers a residency agreement that specifies the details of the housing and services to be provided. While some are rentals, the great majority are structured with a one-time entrance fee that features an element of refundability, along with a monthly payment that covers the services provided. The entrance fee and monthly fee will vary depending on the size of the residence and the number of occupants. A CCRC could also be structured as a fee-simple payment, a condominium with homeowner association, or as a cooperative.

An entrance fee is the initial, one-time expense when you choose to move into a CCRC. Your fee is held and used to provide for future long-term care at prearranged rates with priority access, providing you assurance of the highest quality of care. When needs change, care is provided on site from people you already know and trust. In addition to an entrance fee, a monthly fee covers community maintenance, dining programs and access to all services and amenities of the community. Refundability of your entrance fee will vary by community, but many offer a Return of Capital™ program that provides for a significant refund of the entrance fee.

Rental communities do not require an entrance fee, but may require a deposit frequently referred to as a community fee. At a rental community, specified services, which may include care, are included with your monthly fee. As your needs change, your monthly fees will also change, if that community is equipped to provide the care you need.

Assisted living communities provide help with the activities of daily living (ADLs). These communities may be freestanding or part of a larger retirement community or health care center. Services can include bathing, grooming, dressing, medication reminders and dispensing, housekeeping, laundry, assistance with mobility, and more. Residents receive an initial health assessment at the community to determine the level of assistance that best serves their individual needs.

Often, assisted living communities are rental communities, with fees varying depending on the services provided.

Memory care communities provide specialized services in a safe environment for individuals with Alzheimer’s or another type of dementia or memory impairment. Staff members are specially trained, and programs are individually crafted to help each person function to the utmost of their abilities. Memory care communities maintain a focus on resident rights, dignity, choice and quality of life. In communities managed by Life Care Services that offer memory care, Heartfelt CONNECTIONS™ provides programming that is designed around a resident’s individual background and capability

Skilled nursing is the most intensive level of care at a CCRC. It is provided around the clock. Skilled nursing refers to transitional or rehabilitative care that might follow an illness or surgery such as joint replacement. Skilled nursing is often covered by insurance such as Medicare. In a CCRC, the health center extends its skilled nursing services by not only providing short-term skilled care but also long-term c

If you’re recovering from an illness or injury, wouldn’t it be nice to get the care you need in your own residence, sleeping in your own bed, instead of extending a stay in the hospital? Home Care makes that possible. Qualified Medicare-certified home health care has no copay and no cost to the patient.

Home Care agencies provide a wide range of health and supportive services, including:

  • professional nursing
  • physical, occupational, speech therapy
  • medical social work
  • personal care

If your care is medically necessary, ordered by your doctor, and meets the coverage requirements, Medicare, Medicaid and most private insurance plans will usually pay for home health care services.

Coverage Requirements

  • Reasonable and Necessary – You must be under the care of a doctor who has signed an order for the treatment or service.
  • Required Skill – You must have had a recent illness, injury or worsening medical condition that requires skilled nursing, physical therapy or speech-language pathology on a limited, part-time basis, or occupational therapy for a continuing need.
  • Intermittent Care – Your care must be needed on a limited, part-time basis, not for an extended period of time.
  • Homebound – It must take a considerable and taxing effort for you to leave your home and when you do, it must not be very often and only for short periods of time. For instance, leaving your home for religious services does not disqualify you from being considered homebound.

The location you already love

We manage more than 130 communities nationwide. Each one reflects the best in local interest, style, architecture, history and traditions. We tailor services and amenities to local tastes and culture, and our emphasis on lifestyle, wellness and health services helps those who live there feel right at home, right away.