What Is a CCRC (Life Plan Community)?
A Continuing Care Retirement Community provides every level of care on one campus — so you never have to move again.
One Campus, All Levels of Care
Move in independently while you're healthy. As care needs change, you transition to assisted living, memory care, or skilled nursing — all without leaving the community you know.
Contractual Care Guarantee
Most CCRCs provide a written contract guaranteeing future care access. Life Care contracts cover future care costs in your monthly fees — a major financial advantage over paying for care ad hoc.
Active Community Life
CCRCs aren't nursing homes. Independent living residents enjoy fitness centers, dining, travel clubs, arts programs, and vibrant social calendars — while care is available if ever needed.
Predictable Costs
Monthly fees cover housing, meals, utilities, and care coordination. Life Care contracts can cap future healthcare costs — protecting against unpredictable long-term care expenses.
The CCRC Care Continuum
Independent
Living
Living
Active, healthy residents in private residences
›
Assisted
Living
Living
Help with daily activities (bathing, medications)
›
Memory
Care
Care
Specialized dementia & Alzheimer's care
›
Skilled
Nursing
Nursing
24/7 medical care & rehabilitation
Residents transition between levels as needs change — without relocating
CCRC Cost Structures
Three contract types with very different financial implications.
| Contract Type | Entrance Fee | Monthly Fee | Future Care Coverage | Best For |
|---|---|---|---|---|
| Type A — Life Care | $200K–$1M+ | $3,000–$6,000/mo | All future care included (same monthly fee) | Those prioritizing cost predictability and maximum coverage |
| Type B — Modified | $150K–$700K | $2,500–$5,000/mo | Limited care days included; discounted rates after | Those wanting balance between upfront cost and protection |
| Type C — Fee-for-Service | $100K–$500K | $2,000–$4,500/mo | Market rate when care needed (pay as you go) | Those in excellent health who want lower upfront costs |
| Rental (No Entrance Fee) | $0 | $3,500–$7,000/mo | Varies by contract; typically fee-for-service | Those who prefer flexibility without a long-term commitment |
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Frequently Asked Questions
What is a CCRC (Continuing Care Retirement Community)?▼
A CCRC, also called a Life Plan Community, provides a full continuum of care on one campus — independent living, assisted living, memory care, and skilled nursing. Residents move between care levels as needs change without leaving their community.
How much does a CCRC cost?▼
CCRCs typically charge an entrance fee ranging from $100,000 to over $1 million, plus monthly fees of $2,000–$6,000+. Fee structures vary: Life Care (all-inclusive), Modified (partial coverage), and Fee-for-Service (pay-as-you-go). A senior living advisor can help you understand what fits your financial picture.
Is a CCRC advisor free?▼
Yes. Senior living placement advisors are paid by the communities, not by you. Our partner advisors earn a fee from the community when a resident moves in. Your advisor match through RetireStack is completely free with no obligation.
What is the difference between a CCRC and assisted living?▼
Assisted living provides help with daily activities for one level of care. A CCRC offers multiple care levels on one campus — you start in independent living and have guaranteed access to higher care levels as needed, usually with a contractual guarantee.
When should I start researching CCRCs?▼
Most CCRC residents move in between ages 75–80, but the best time to research is 5–10 years before you need care. Top CCRCs have waitlists of 1–3 years. Planning early gives you the most options and the best communities to choose from.
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