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Ingleside at Rock Creek Blog

IRC Blog
Posted: Thursday, December 13, 2018

Considering a Continuing Care Retirement Community? Here are Four Key Aspects of the Decision Process.

Contract Details:

There are a number of different types of residency contracts available. The vast majority of CCRCs require an entry fee and monthly fees. These fees are impacted by factors such as the size of the home or apartment, location, available services and other amenities. Yet the fees are also based, in part, on what you will pay for assisted living and healthcare services when needed. 

Some residency contracts state that your monthly fees will remain relatively level over the course of your lifetime, except for inflationary increases, regardless of whether you are living independently or require care services. Other residency contracts may require a smaller entry fee and possibly even lower monthly fees, but if you ever require care services your monthly fees will increase to reflect the market cost of care at that time. Still yet, there are other contracts that are essentially a blend of these two. 

In addition to the types of residency contracts available, many providers also offer refundable entry fee contracts. These contracts essentially pay back some portion of the entry fee if the resident moves out or at death. The tradeoff: entry fees are almost always higher for a refundable entry fee contract and may be contingent on the resale of your residence.   

Ingleside at Rock Creek has a Type C- Fee for Service contract, which means we have an entrance fee and a monthly fee. Our entrance fees have three different refundable plans: 90%, 50% and declining. Our monthly fees depend on the size and location of the apartment. As a person continues through the continuum, you fees depends on the services needed. 

Financial Stability of CCRC

The financial stability of a CCRC will determine if it is in position to fulfill its long-term commitment to provide housing and health care to residents for life. Do your research to learn about the community’s occupancy ratio, history of operations, financial ratios and the experience and expertise of its management. Consult with a financial or tax professional for additional guidance. 


Location, culture, programs, and other services and amenities should align with your personal preferences. After all, this is where you are going to live and you want to be happy there. Consider whether the lifestyle offered will help your thrive in mind, body, and spirit. 

It may be wise for you to stay a night or two in a guest suite to get a sense of what it might be like to live there.  Ingleside at Rock Creek offers this in our Manor House. Please call 202-534-1507 to make your reservation! Are the residents heavily involved in community life?  Are they respected by the staff? Are programs mainly resident-driven or staff-driven? This can indicate the vitality of the resident base, or lack thereof. Is there up-to-date technology, including wi-fi in common areas and in the residences? Also, are meals only available at scheduled times or are there flexible mealtimes and menus? 

Health care

Although most people are attracted to CCRCs by the independent living features, the ultimate reason for considering this type of retirement community and paying an entry fee is the peace of mind that comes with having priority access to healthcare. Here are some key questions to ask: 

  • Does the community appear to take pride in the care that makes available to residents?
  • What sets the community’s care center apart from other providers?
  • Has the healthcare center received any special awards or special recognition for quality of care?
  • Ask about staff turnover in the health care center. A high turnover rate may indicate an unhappy staff, which could translate into poor care delivery.


As retirement changes, Ingleside at Rock Creek is planning for the future. Our upcoming Creekside addition will offer even more choices for discerning people 60 or better who want sophisticated and elegant independent living residences and top-notch services and amenities. This addition will bring new residences to our lovely campus and an innovative Center for Healthy Living, which will offer a day spa, bistro, classrooms and spaces for meditation and other programs. A separate, four-story Health Services Center will house medical services, assisted living, memory support, rehabilitation and long-term care. Creekside is 100% reserved and is accepting Waitlist Deposits.   

If you would like to learn more about this unique retirement community, please call us at 202-534-1507, plan on joining us for one of our upcoming special events, or request more information here.



The above article was written by Brad Breeding of myLifeSite and is legally licensed for use.

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