Frequently asked questions about CCRC’s.
What is a CCRC?
Continuing Care Retirement Communities are independent residential neighborhoods filled with services, amenities—and security. At a CCRC, you’ll live with the promise of access to on-site health services that include Assisted Living, Skilled Nursing, and often, Rehabilitation services and Memory Care, if needed. CCRC members pay a one-time entrance fee and an ongoing monthly service fee that can lead to tax- and estate-planning benefits.
CloseWhy should I choose a CCRC?
CCRCs offer benefits you won’t find in other senior living communities. Enjoy the freedom to pursue your goals, and ways to help you achieve them. Maintenance-free residences, dynamic amenities and engaging activities let you follow your own path each day, with the confidence that any health needs will be met on site.
CloseWhat are the advantages of a CCRC?
Community living helps people live longer, healthier lives, and CCRC members report more satisfaction than peers who remain in their own homes. You’ll thrive with the comfort of caring staff, access to future care, and a campus specially designed for older adults.
CloseAm I ready for a CCRC?
If you or your spouse are over age 62, then it’s not too early. The best time to move to a CCRC is when you can enjoy all that the engaging, carefree lifestyle offers. Waiting longer might reduce your options and add stress to making your move. Don’t miss out on years of a fulfilling lifestyle and all the benefits a CCRC offers!
CloseCan I afford it?
Covenant Living CCRCs offer financial options with varying fees and health care provisions, plus refunds and estate benefits. If you’re not sure that you can afford a move, compare community fees—and benefits—with the costs of staying in your current home:
- Home ownership—mortgage or rent, property taxes and insurance
- Home upkeep— utilities, landscaping, maintenance and repairs
- Lifestyle—the rising cost of groceries, gasoline, entertainment, recreation and travel
- Wellness—health club memberships and caregiver or security services
CCRCs also provide the assurance that your assets and your income will be protected in the event of an unexpected health event requiring Assisted Living or Skilled Nursing care.
CloseWhere do I start?
Get the information you need to make the best decision about your future:
- Attend several community events, talk with residents and explore life at a Covenant Living community.
- Meet with a senior living advisor to tour residences and review floor plans, applications and residency agreements.
How do I know if a CCRC is financially sound?
To affirm your confidence, Covenant Living Communities and Services’ financial report outlines the solid financial position that makes us an excellent retirement choice. With more than 3,000 employees serving 5,000 residents, our family of Continuing Care Retirement Communities is one of the nation’s largest not-for-profit retirement living organizations.
CloseDisclosure & Transparency
Covenant Living Communities and Services is committed to full disclosure of information for residents, prospective residents and other interested parties.
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At Covenant Living at the Shores, some of our residents take full advantage of our beautiful lakefront setting — swimming nearly every day throughout the summer! Ranging in age from 69 to 94, these dedicated swimmers are living proof that there’s something magical about staying active in the water. 🌊✨ ... See MoreSee Less
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August is National Make-A-Will Month – a timely reminder to make creating your Will a priority this year.
According to a 2025 bit.ly/3gGgPhw survey, 76% of U.S. adults don’t have a Will. If you’re one of them, now’s the time to get started. If you already have one, take a moment to review and update it so it reflects your current wishes and family situation.
Having a plan can:
✅ Protect your loved ones
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✅ Support the causes you care about
Without a plan, your estate could face delays, unexpected costs, and results that don’t match your wishes.
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Assisted Living and In-Home Care may seem similar at first glance — but understanding the key differences can help you make the choice that best supports your needs or those of a loved one.
From daily support to long-term peace of mind, the right fit can make all the difference.
Visit our free resource page to download “The Key Differences: Assisted Living vs. In-Home Care” and explore which path may be right for you: bit.ly/4eL43Kg ... See MoreSee Less
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