Connecticut continuing care retirement communities (CCRC)

Connecticut Continued Care

Since many sponsors of CCRCs include religious, fraternal and community organizations, and other companies involved with developing these retirement communities, they often instill their philosophies and ideals within the communities. Although there is no overarching federal agency that regulates these retirement communities, the private non-profit organization CARF-CCAC provides a voluntary process for individual CCRCs to become accredited. Although this process is very expensive and lengthy, communities that are accredited by CARF-CCAC can usually be considered of higher quality and standing than others.

Recreation and Attractions in Connecticut

With areas like Mystic Country and some of the largest Casinos in the nation, there’s never a shortage of activities in Connecticut. Take a trip up the coastline to experience scenic and historic lighthouses and fishing villages, or perhaps ride into New York City for a more upbeat evening. For a day of rejuvenation, residents can spend time at spas like the Norwich Inn for some nationally recognized relaxation. Whatever you decide to do in Connecticut, living in a CCRC can allow you to maintain your independence and have a pleasant retirement experience.

Connecticut's Climate, Geography, and Culture

Connecticut has moderate weather with an average temperature of 52 degrees, a high temperature of 60 degrees, and a low temperature of 45 degrees. The winter temperatures are in the 30s to 40s and the summer temperatures are in the 70s to 80s. The spring and fall temperatures range from the 40s to 70s. Spring has the lowest humidity and snow can accumulate 35 to 45 inches per year during the winter. The coastal regions usually have warmer winters and cooler summers. Enjoy your time along the coast exploring the lighthouses and other coves.

Connecticut's Continuing Care Regulations and Laws

Continued care homes in Connecticut are subject to a list of rules, regulations, and laws that can be found in the Connecticut Government website. These regulations include strict health codes, regular facility inspections, and extensive background checks for employees.

Crime and Safety in Connecticut

Compared to the national average, Connecticut’s crime rates are lower in terms of both violent and property crimes. Additionally, there are generally fewer crimes per square mile than most other places nationwide. Finding the safest environment for your CCRC investment can ensure that your care is as effective as it can be.

Location	Violent Crimes Per 1,000 Residents	Property Crimes Per 1,000 Residents
New Canaan	.05	6.4
Easton	0	3.93
Weston	0.19	3.19

Payment and Costs for CCRCs in Connecticut

The payment plans will differ at each CCRC, however, large entrance fees are to be expected and can range depending on your contract and location. The difference in prices is largely a result of the type of contract residents enter into, as well as their individual health care costs and possible Medicare or Medicaid coverage.

Extensive Contracts – These contracts guarantee a lifetime of housing and care at any and all levels provided by the community. They include monthly fees in exchange for a wide range of services. Because there is a relatively lower degree of risk, the upfront costs are much higher.
1. Entry Fee: $160,000 - $600,000
2. Monthly Fee: $2,500 - $5,400
Modified Contracts – Similar to extensive contracts, except one’s coverage of care, modified contracts only extend to a set number of days. After exceeding this limit, services are paid for out of pocket by the resident. Monthly fees are also still charged at an ongoing rate.
1. Entry Fee: $80,000 - $750,000
2. Monthly Fee: $1,500 - $2,500
Fee-For-Service Contracts – Residents only pay for the services they currently use, however, are not safeguarded from any future changes in pricing or service availability. Most of the financial burden is born by the resident, depending on Medicare or Medicaid eligibility. These are considered to be the contracts with the highest risk, even though their upfront costs are the lowest.
1. Entry Fee: $100,000 - $500,000
2. Monthly Fee: $1,300 - $4,300
Rental Agreements – Allow residents the ability to rent a housing unit on a monthly or annual basis. This type of contract does not guarantee access to healthcare on a fee-for-service basis, unlike other agreements.
1. Entry Fee: $1,800 - $30,000
2. Monthly Fee: $900 - $10,700
Equity Agreements – Shares of the community or association are afforded to individuals by the transferal of actual home, condominium, or town home ownership within the CCRC. Healthcare services can still be purchased for additional fees. Through an equity agreement, the property’s appreciation benefits the individual or their estate as specified by the terms of the contract. This type of agreement relies heavily on the fluctuations of real estate in the area.

From a Report by The U.S. Government Accountability Office.

Senior and Elderly Rights for Continued Care in Connecticut

State and federal laws in Connecticut guarantee that your freedoms, privacy, and ability to act autonomously are preserved while receiving care at the community's various levels. Residents have the right to manage their personal and financial affairs and air grievances. Additionally, a description of your rights within each particular CCRC are to be displayed and understood upon entering into your continuing care contract. If these rights are violated, don’t hesitate to contact a legal advisor familiar with senior law.

Connecticut CCRCs: Medical Record Rules and Regulations

Since the goal of CCRCs is to aid residents in living independently, most communities will require a health screening in order for individuals to be admitted. These medical records are crucial because if you or your senior is deemed too frail it's possible that the applicant will not be accepted. Residents receiving senior care or any other type of medical attention in Connecticut are entitled to a comprehensive and accurate record of their diagnosis and treatment. State and federal laws provide that residents have access to their records and health information, as well as the right to know when disclosures have been made. Otherwise, these records are to remain confidential for up to 7 years and can be accessed by submitting a request and providing a small fee.