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Continuing care retirement communities are retirement communities with accommodations for independent living, assisted living, and nursing home care, offering residents a continuum of care. The communities ensure a dignified place for your or your senior to stay. Depending on your location and specific needs your options may vary. Since many sponsors of CCRCs include religious, fraternal and community organizations, and other companies involved with developing these retirement communities, they often imbue their philosophies and ideals within the communities. Be sure to shop around to find the best fit for your continuing care option.
Although there is no overarching federal agency that regulates retirement communities, the private non-profit organization CARF-CCAC provides a voluntary process for individual CCRCs to become accredited.
Montana is a state swelling with incredible, natural beauty as can be found in Glacier National Park which is known as the Crown of the Continent. As a quintessential state of the west, Montana offers a range of opportunities to experience its culture through places like the Western Heritage Center in Billings. Helena, Montana’s capital provides residents and visitors with numerous museums, galleries, restaurants, and a rich history displayed through its architecture. Even though your CCRC may provide plenty of activities, exploring your city can help keep you active and social.
Montana is in a mountainous region, so hikers and explorers will love traversing the landscape. Many choose to live out their latter years absorbing the serenity that Montana can provide. With major metro areas at a minimum, the quaint and quietness beckon many to the mountain state.
Rules and regulations are put into effect to ensure that all Montana CCRCs are up to par. A full breakdown of these regulations can be found on the Montana Government website. These regulations include strict health codes, extensive employee background checks, and routine inspections of facilities. These regulations are to make sure you or your senior have the best possible care.
Residents can rest assured that crime rates in Montana are lower than the national average in terms of violent and property crimes per square mile. The Wild West is, fortunately, a lot less wild than before, so seniors should have luck with finding a safe community to call home. Below are some of the safest cities to live in and can be a good start to consider.
Location Violent Crimes Per 1,000 Residents Property Crimes Per 1,000 Residents Colstrip .88 6.18 East Helena .48 7.78 Dillon .96 10.38
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 national average cost of an entrance fee based on the most recent data is $248,000, and this price is expected to continue to fluctuate based on local housing prices.
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.
From a Report by The U.S. Government Accountability Office.
The Constitution and Bill of Rights guarantee that your freedoms, privacy, and ability to act autonomously are preserved during your stay at a CCRC. Also, all services provided and a description of your rights within each particular CCRC are to be displayed and understood prior to signing your continuing care contract. If these rights are violated, don’t hesitate to contact a legal representative familiar with senior law. Coupled with Montana’s natural beauty and high-quality communities, your move to a CCRC can be the perfect chance to retire comfortably.
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. Many times an applicant’s health records are required in tandem with physical examination given by a physician selected by the particular CCRC. 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 of CCRCs or receiving any other type of medical attention in Montana are entitled to a comprehensive and accurate record of their diagnosis and treatment. Residents can access these records at any time by filling out the proper forms and paying a small fee.