Find Rhode Island Continued Care

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.


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Recreation and Attractions in Rhode Island

Rhode Island features 400 miles of coastline and contains nearly one-fifth of the country’s historic landmarks. Throughout the state, there are the beautifully ornate Gilded Age Mansions, which are quite a sight for architecture buffs and the layman’s eye alike. Rhode Island is also famous for its wealth of top-notch restaurants, featuring everything from authentic Italian and French cuisine to Portuguese and Middle-Eastern foods.  

Rhode Island's Climate, Geography, and Culture

Rhode Island has been a state famous for its defiant and patriotic actions and freedom of conscience. Being one of the first states to declare independence from Britain, refusing to fight in the War of 1812, and with Dorr’s Rebellion of 1842, Rhode Island is an essential component of New England. The average temperature is 52 degrees, with an average low temperature of 43 degrees, and an average high temperature of 61 degrees. The winter temperatures are in the 30-40 range of degrees and the summer temperatures are in the 70-80 degree range. Rhode Island has a rich architectural and art scene that's worth admiring. The state is filled with creative people that will welcome those looking to retire in Rhode Island.

Rhode Island's CCRC Regulations and Laws

Rhode Island has a variety of regulations and laws in place to ensure that you or your senior is getting the best possible care. Continued care homes in Rhode Island are subject to a list of rules, regulations, and laws that can be found on the Rhode Island Department of Health website. These regulations ensure that patients receive the best care possible.

Crime and Safety in Rhode Island

Compared to the national average, Rhode Island’s rates are much lower in terms of violent and property crimes. Crimes per square mile are higher than average, but most likely because Rhode Island itself is a very small state (1,212 mi²). When considering a location for long-term care, it is best to find an option situated within a safe community. Listed below are some of the safest cities found throughout Rhode Island:

LocationViolent Crimes Per 1,000 ResidentsProperty Crimes Per 1,000 Residents
South Kingston.858.94


Payment and Costs for CCRCs in Rhode Island

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. 

  1. Extensive Contracts – Guarantee a lifetime of housing and care at any and all levels provided by the community. These 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
  2. Modified Contracts – Modified contracts only extended 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
  3. 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 borne 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
  4. Rental Agreements – Allow residents the ability to rent a housing unit and pay on a monthly or annual basis. This type of contract does not guarantee access to health care on a fee-for-service basis, unlike other agreements.
    1. Entry Fee: $1,800 - $30,000
    2. Monthly Fee: $900 - $10,700
  5. Equity Agreements – Shares of the community or association are afforded to individuals by the transferal of actual home, condominium, or townhome 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.

Elderly Rights for Continuing Care in Rhode Island

State and federal laws provide seniors the opportunity to receive dignified and exceptional care without having their rights come into jeopardy. Your senior will still have the right to manage their personal and financial affairs and air grievances. Additionally, all services provided and a description of your rights within each particular CCRC will be displayed and understood upon entering into your continuing care contract. Those who feel like their rights have been violated can contact a legal representative specializing in elder law. Coupled with Rhode Island’s diverse attractions and high-quality communities, your move to a CCRC can be the perfect chance to retire comfortably.

RI Continuing Care: Medical Records Rules & Regulations

Most communities will require a health screening in order for individuals to be admitted. Many times your senior will be required to present health records and a current physical when applying. 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 in Rhode Island care or receiving any other type of medical attention 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.

Finding the perfect senior care community is only part of making your loved one’s senior living transition smooth. At SeniorCaring, we know that it is also equally important to be aware of what other community services and resources are available to your family’s senior. Choose your location and find local resources for your senior.