Independent living and life plan communities (CCRCs)

What continuing care retirement communities are and what to check before paying an entrance fee.

A CCRC (life plan community) offers independent living plus assisted living and nursing care on one campus, usually with an entrance fee and monthly fee.
In Florida, continuing care contracts are regulated by the Florida Office of Insurance Regulation (Chapter 651, Florida Statutes).
Ask: Is the entrance fee refundable, and how much? What happens to fees if care needs increase? What is the community's financial condition?
Have an attorney or financial advisor review the contract before signing.

General information only, not medical, legal or financial advice. Programs and amounts change; confirm with the official source or a qualified professional.

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