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Ingleside at Rock Creek Blog

IRC Blog
Posted: Thursday, February 14, 2019

Factors to Consider when Choosing a CCRC (Life Plan Community)

  • All CCRCs are not created equal. There are five main types of residency contracts—and multiple variations of each. Research each type to determine which one is the best fit for your unique situation. Some communities may offer multiple contracts to choose from. Ingleside at Rock Creek is a Type C contract, also referred as a Fee for Service Contract. What that means is you pay for the service you need at the time you need them instead of prepaying for anything.
  • Be sure that the community offers the type of setting, culture, and lifestyle that you feel best suits your personality and desires. Consider asking if you can stay for a night or two in the guest suite and talk with some of the residents. Also talk with staff to see if they seem happy and helpful.  
  • Most CCRCs require an entry fee, although some offer rental contracts. Almost all entry-fees are refundable to some extent. Under a traditional, “declining-balance” contract residents do not recoup any of the entry fee after the initial period of occupancy (typically 1 to 4 years). Other CCRCs offer refund options, often called “return- of-capital” contracts, whereby some portion of the entry fee is refunded if the resident moves out or at death, regardless of the length of occupancy. In general, a return-of-capital contract will require a higher entry fee than a traditional contract. If you are considering a refundable contract be sure you understand the stipulations for receiving the refund. Ingleside at Rock Creek does have entrance fee. We offer three different plans: a declining balance plan, 50% refundable plan, and a 90% refundable plan. To learn about the differences between each plan, please contact our sales office at 202-534-1507.
  • The financial stability of a CCRC will play a large role in determining if it can fulfill its long-term commitment to provide lifetime housing and health care to residents. Do the appropriate research to learn about the community’s financial stability, history of operations, and the experience of its board and management. Ingleside has a long-standing history of more than 110 years. We are on track on completing two major expansion projects on time and on budget. For more information about finances of our community, please contact us.
  • While there are many reasons, why someone might choose a CCRC, the distinguishing factor from other choices is the peace of mind that comes with knowing your future health care needs will be met. Therefore, confirm that the community provides the type of care you would expect to receive. Inquire about quality of care, awards and recognitions, ratings, any history of complaints, staff turnover, and other indicators. Ingleside at Rock Creek is fully accredited by CARF, the independent organization that evaluates continuing care retirement communities (CCRCs) on 1,700 different criteria, from health care to food service to finances. Only 10% of CCRCs in the United States achieve this honor. In addition, we are building brand new Health Services Center to accommodate all levels of care, offering residents peace of mind, knowing care is there if needed.


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

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