What is a continuing care retirement community (CCRC)?

A continuing care retirement community is a residential campus where older adults can live independently and access medical and personal care services as their needs change, all within the same community. The team sign a single long-term contract that covers housing, meals, activities, and access to healthcare services ranging from assisted living to skilled nursing care. This model differs from standalone assisted living facilities because it guarantees access to higher levels of care without requiring relocation.

Most CCRCs operate on an entrance-fee model. The team or their families pay an upfront entrance fee when moving in, which is partially refundable depending on the community's agreement. Monthly fees then cover housing, utilities, meals, amenities, and access to on-site medical services. Some communities use a rental model instead, with no entrance fee but higher monthly costs.

The appeal of a CCRC lies in its continuity. As a resident's health or mobility changes, they can transition from independent living to assisted living to skilled nursing without leaving the campus or changing providers. This arrangement provides peace of mind for both residents and families. CCRCs typically house 200 to 500 residents and operate 24-hour medical staffing.

For Charlotte-area families exploring options, retirement community providers can help identify CCRCs that match specific needs and budgets.