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​Continuing Care Retirement Communities

Continuing Care Retirement Communities (“CCRCs”) are residential communities for older adults, generally over the age of 55 or 60, where residents have access to a continuum of health care, including assisted living and skilled nursing care.

Residents pay a large upfront entrance fee in exchange for a promise of maintenance-free living in a communal setting with a variety of amenities, such as swimming pools, planned social activities, and restaurant-like dining facilities. CCRCs can be especially attractive to couples who have different healthcare needs; one spouse may be able to live independently while the other may need more care, and both can live on the same campus.

In Pennsylvania, only those communities which charge large upfront entrance fees are regulated by the Insurance Department. CCRCs are required to disclose the state of their finances so that prospective residents can assess their long-term viability. These statements are updated annually and must be made available upon request.

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