Delaware continuing care retirement communities (CCRC)

Recreation and Attractions in Delaware

Being the first state in the U.S., Delaware has a wealth of historical sites and recreational destinations to explore. Being located near other states like Maryland, Pennsylvania, and New Jersey, interstate travel is always an option. With all the available beachside relaxation, excellent restaurants, casinos and the Dover Downs Racetrack, there’s really no reason to leave anytime soon.

Delaware's Climate, Geography, and Culture

This mid-Atlantic state offers a beautiful seaside great for spending your summers. The seaside culture is great for those looking to spend the day in the sand. Delaware also boasts premier medical communities ready to supplement your care in any CCRC found throughout the state.

Delaware's CCRC Regulations and Laws

Delaware has many regulations and laws in place to ensure that all CCRCs are up to par before you or your senior decides to join them. Deciding to move into a CCRC is a big decision, so it's important for these CCRCs to be in the best shape possible. These regulations are closely monitored by all care facilities and regular inspections ensure that they are up to par.

Crime and Safety in Delaware

Crime rates in Delaware are only slightly higher than what is found nationwide. However, on average there are 83 crimes per square mile compared to the national amount of 32 crimes per square mile. Finding a CCRC in a safe location can not only be better for your potential investment in property but is also conducive to a more wholesome care experience.

Location	Violent Crimes Per 1,000 Residents	Property Crimes Per 1,000 Residents
Clayton	2.6	12.37
Lewes	4.08	28.54
Middletown	4.32	34.46

Payment and Costs for CCRCs in Delaware

The payment plans will differ at each CCRC, however, large entrance fees are to be expected and can range anywhere from $30,000 to $500,000 and even up to $1 million at a single time depending on your contract and location.

The type of contract entered into by the resident will include a monthly maintenance fee costing between $300 and $4,500 or more depending on which services are utilized. Some residents may choose a buy-in option, meaning they join the community through buying an actual property. Whether you buy a property or not, it’s still necessary to look out for any additional maintenance or service fees before signing a contract.

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 also 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 – 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 put on 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 paying 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 CCRCs in Delaware

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. Although CCRCs are the most expensive senior care option available, they are ideal for people who would like to retain an independent lifestyle. Coupled with Delaware’s historical districts and beaches, your move to a CCRC can be the perfect chance to retire comfortably.

Delaware CCRCs: Medical Record Rules and Regulations

The goal of CCRCs is to aid residents in living independently, so most communities require a health screening in order for individuals to be admitted. Many times an applicant’s health records are also required. Unfortunately, it is common for applicants with frailties and those older than 80 years of age to be denied admission, especially if their pre-existing medical conditions are excluded from the health care coverage to be provided.

Residents receiving any type of medical attention in Delaware 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 and can be accessed by submitting a request and providing a small fee.

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