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I agree that people need to understand what they are getting into when they move into a CCRC. It is everyone’s responsibility to thoroughly read and understand any contract you sign, by age 60 you should know that. By making the decision to move to a CCRC you are not only doing so because you like the accommodations and social setting the community provides but you are also doing it because you want to have access to guaranteed health care that the community provides. Why would you want to pay for future health care that the community will provide if you never intend to use it? Most CCRC's have licensed care areas (Assisted Living & Skilled Nursing) that are far superior to stand alone facilities. When you move into a CCRC you are paying for these services and you should insist on touring them before making your decision on a community.
If you are willing and able to pay for round the clock home healthcare then why move into a CCRC at all? Like the article says there are many community models that would suit you better. However, it is important to remember if you do need to go to a skilled nursing center later on, who will be making that choice for you? What type of accommodations will that facility have available for you? What will be the cost to you in that facility?
With all the different options available now, it is almost a necessity to discuss your interests and wishes with someone that knows the services available in your area. An admissions or marketing person at any of your local communities will be well educated about the different options in your area. They will be trying to get you to pick their community, but most will direct you to other providers if you share your wishes with them and they do not match what that facility can offer. If you would feel more comfortable with talking to a third party, an elder care attorney or financial planner who specializes in working with seniors will also be a good source of information about which providers might suit your needs best.
A California Federal District Court issued an order disposing of a resident’s Fair Housing and ADA claims against a CCRC involving the community’s proposed involuntary transfer of a resident, Ms. Herriot, from independent living to a higher level of care. In a January 29, 2009 Order in the case of Herriot v. Channing House, the court denied Herriot’s motion for reconsideration of the court’s previous summary judgment order (dated August 26, 2008) as well as granted summary judgment in favor of Channing House on all the remaining claims. The Court discussed the CCRC model of care and noted that allowing Ms. Herriot to stay in independent living would be a fundamental alteration of the care and services provided by Channing House, and thus Channing House is not obligated to accommodate Ms. Herriot by allowing private aides to provide all of the 24-hour care she required in independent living.