enriching the lives of older adults is a connecticut ... · community. and for you to ask...

EnrichingtheLivesofOlderAdults

IsAConnecticutContinuingCareRetirementCommunityRightForYou?

CCRCsAreAlsoKnownAsLifePlanCommunities

PreparedByOlderAdultsWhoAreMembersOfThe

ConnecticutContinuingCare Residents Association

WithAdviceFromLeadingAgeConnecticut

EnrichingtheLivesofOlderAdults

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EditorialCommitteeGailJanensch,chair,CecilyGoodman,CarolB.Isaacs,Ute&ArchieHolmes,JosephWaltonThispublicationiswrittenandownedbyConnecticutContinuingCareResidentsAssociation.2019PresidentJohnJohl,EssexMeadows.ItupdatesContinuingCareRetirementCommunities:AGuideBookFortheConnecticutConsumer,publishedbyConnCCRAin2011.Allrightsreserved.Thismaterialmaybefreelycopiedanddistributedforeducationalpurposesonlyandissubjecttoinclusionofthiscopyrightnotice.ÓCopyrightJanuary28,2019 Photo credits and acknowledgements on final page of this publication.

IsAContinuingCareRetirementCommunityRightForYou

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Table ofContents Page

WelcomeMessage..................................................................5

WhatDoYouImagineaCCRCIsLike?..........................6

Photos..........................................................................................7

OnePageNottoMiss.............................................................8

HistoryofContinuingCareCommunities.....................9

FinancialFactors..................................................................10

Affordable?..............................................................................11

ReadContract!.......................................................................12

TypesofResidentialContracts......................................13

HealthContracts...................................................................14

LivingUnitChoices..............................................................15

LocationandGrounds........................................................16

CheckListofQuestionstoAsk.......................................17

ResidentRights.....................................................................18

ConnecticutCCRCBillofRights.....................................19

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WhoRegulatesCCRCs?......................................................20

HealthcareOn-Site.......................................................21,22

KnowCareLevels.................................................................23

ListofCommunities..........................................................................26

Resources/Credits...............................................................27

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”WemovedtocontinuingcareafterseeinghowmyMomthrivedfor14yearsusingallthreelevelsofcare.Myhusband’sDaddiedinhisownbedinahouse,butahousewithoutasafewaytobatheandstairstohisbedroomsopainfultoclimbduetohisspinalcondition.”

— QuotefromaresidentwhohelpedwiththisGuideBook

Welcome!SomeBasicsIfYouAreThinkingAheadAboutLife&LivingWellToTheVeryEnd

Didyouknowthatover5,000olderadultsinConnecticutliveinacontinuingcarecommunity?

Theauthorsofthis“GuideBook”maycalltheirhomea“CCRC”forshort(itstandsforContinuingCareRetirementCommunity).Otherscalltheircommunitiesa“LifePlanCommunity.”Whatevertheterm,theseareplacesdesignedtoprovideservicestohelpyougrowolderinplace,withallthatyoumayneed,tomakeyoufeelsafeandyourfamiliesandfriendslessconcernedaboutyourstatus.

TheauthorsofthisGuideBookliveinsuchaplace.Wearenotsalespeople.Wejustareonestepaheadofwhereyoumaybe,becausewedecidedtomoveintosuchaplace.AndwearemembersofConnecticutContinuingCareResidentsAssociation,theorganizationthatcommissionedthisguide.

Ouraim istoprovideyouwithimportantinformationtohelpyoumakeaninformeddecisionastowhetheracontinuingcarecommunityinConnecticutisrightforyou. And,ifso,whichone?Currently16of18communitiesinConnecticutmeetthefulldefinitionofaCCRC.

ThisGuidehassectionsonFinancialFactors,TypesofHousing,LevelsofHealthcareandmanymorepracticaltips.

Seelistofcommunities,locations&contactinformation(asof2018),onlastpagesofourguide.

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Whatdoyou“imagine”aCCRCislike? TheauthorsofthisGuideBookwouldliketoquotearecognizedauthorandlectureroncontinuing-carelivingbeforeyoureadanyofour“advice.”BradBreeding’snameappearsinourlistofreferencesyouwillfindattheendofthispublication.Manyofushaveheardhimspeak.HispublicationsinbookformandonlinearenotonlyrecommendedbytheConnecticutContinuingCareResidentsAssociation(ConnCCRA),butalsobytheNationalContinuingCareResidentsAssociation(NaCCRA).InarecentfreeonlinepostingauthorBreedingsays:

“Whenyouhearthephrase“retirementcommunity,”whatcomestomind?Perhapsyouenvisionthenursinghomeyourelderlyparentsorgrandparentswerein,withpeoplestaringataTVoreatingoffofcafeteria-styletrays.Or,maybeyouthinkof“abunchofoldpeople”sittingaroundalldayorplayingbingo.

IfthisiswhatyouimagineIwouldrecommendyoutaketimetolearnabouttoday’sretirementcommunitiesthatofferahealthierandmoreholisticlifestylethanthealternatives.Manypeoplehaveanegativepreconceptionofseniorlivingthatmaynotmatchwhatiscurrentlyavailableintoday’sCCRCmarketplace.”

HereinConnecticutyouwillfindsomeofthenation’sbestmanagedcommunities.Thesecommunitiesarenotstatic.Theyareinnovating,expanding,andlisteningtotheneedsanddesiresofcurrentandprospective

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residentswhoexpectinaretirementcommunitywhattheyhaveathomeandwhattheymayneedinthefuturethathomecannotprovide.

Take a look at some CCRC choices in our

small state!

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JustTimeFor1Page?ReadThis...ADecisiontoEnterContinuingCareIsUnlikeAnyYouHaveMadeBefore!Youareconsideringalifeandfinancialdecisionthatisdifferentfromchoosingahome/condo/rental.

WhyisthemoveintoaCCRCunlikepreviousmovesyouhavemade?Herearesome“whys.”#1Differentbecauseyoucannotgetamortgage.Youwillberequiredtoputdownalumpsumofcashfortheentirecostofyourunit,plusmakemonthlypaymentsforservices.#2Differentbecausethisdecisionlikelyisfortherestofyourlife!#3Differentbecausemovingintocontinuingcarewilltakesomelifestyleadjustments.Downsizing.Yourneighborswillbemuchcloser,notacrossthestreet.Andsmokingmaynotbeallowedeveninyourunit.

PVisitseveralcommunitiesbeforedecidingtomovein!AsyouvisitvariousCCRCsbealertastohowyou“feel”abouteachone.Isitfor“you”?When youvisit, donot just talk to the marketingpeople, asktomeetresidentsaswell.Mostofthesecommunitieshaveguestroomswhereyoumaybeabletospendone ortwo“trial”nights. Atminimum,taketheMarketingDepartment’soffertoarrange tohave amealin the diningroomwith residentswhomay have similarinterests. Thiscan provideawonderfulopportunitytofindoutwhat residentsappreciateabout theircommunity.Andforyoutoaskquestions.Askmany,manyquestions!PFindexpertstogiveyouadvicebeforesigninganything!Anattorney.Afinancialadvisor.Someoneindependentfromthecommunityyouareconsidering.PSeetheResourcesSection!ThereareprintandonlineexpertswerecommendonPage26.

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BRIEF HISTORY OF CCRCsHistoryAsearlyasthe1900ssomereligiousorganizationsintheUnitedStatesofferedaprecursortotoday’sCCRCs.Theconceptgrewinthe1960sandsincethe1990shasexpandedthroughoutmuchoftheU.S.A.StatessuchasPennsylvania,California,Florida,NewJerseyandVirginiahaveahigherconcentrationofthisformofretirementliving.InConnecticut,wehaveseveralcommunitiesthathaveprovidedthiskindoflivingformorethan40years.StateofCTDefinitionofaCCRCContinuingCareRetirementCommunities(CCRCs)arealsosometimesreferredtoas“LifePlan”communities.Throughcontractualagreements,continuing-carecommunitiesprovideresidentswithavarietyoflivingaccommodationsandmanyservices,includinglong-termhealthandnursingservices.Variouslevelsofcare,generallystartingatIndependentLivinginresidentialapart-mentsorcottageswiththeavailabilityofAssistedLiving(offeringhelpwithdailyactivities)andSkilledNursing,asneededareprovided,onthecampus.Eachresidentmustenterintoacontinuing-carecontractwithaCCRCinordertoobtainresidency.Everyresidentisrequiredtopayasubstantial,lump-sumentrancefeeandmonthlyfeesinexchangeforhousingandhealth-relatedservices.Thesefeesvarydependinguponthecommunity,thetypeoflivingunitchosenandwhetheroneortwoindividualsoccupytheunit.

Continuing-carecommunitieshavedifferentpoliciesregardingtheavailabilityandtermsofentrance-feerefunds.Housingunitscanbeapartmentsinhigh-riseorlow-risebuildings,townhouses,gardenapartments,cottagesorfree-standinghomes.Unitscanrangeinsizefromstudiostothreebedrooms.Residentsaregenerallynotentitledtohaveequityintheirunits;instead,theyareentitledtouseoftheirunitsinexchangeforthefeestheypay.CCRCsarenotlicensedinConnecticut,buttheymustregisterwiththeConnecticutDepartmentofSocialServices(DSS).AndadheretoChapter319hhofConnecticutGeneralStatutes,ManagementofContinuing-CareFacilities.Variouscomponentsofhealth-carepackages,however,arelicensedbytheStateofConnecticut.A2015provisionnowallowsCCRCsresidentstoformanelectedResidentCouncil.NEWTRENDS...• Moreflexiblemealplansarebeingofferedinsomecommunities.Soask.

• Secondoccupantsofunitsmaybeotherthanaspouse.Askaboutthisondayoneandinlateryears,couldadifferentsecondpersonmovein?

• SomecommunitiesareexperimentingwithwaystobridgethejumpfromyourcurrenthometoIndependentLivinginacontinuingcarecommunity.Inthis“model”participationstartsinyourownhomewithsomeservicesprovided.Andyouhavelimitedprivilegestocometothecampusforuseofcertainfacilities.Ortodineoccasionallyorattendevents,forexample.Allforafeeofcourse.Twomembercommunitiesareofferingthisoption.

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FINANCIAL FACTORS ThisIsAnInvestmentDecision!Signingthecontracttoenteracontinuingcarecommunityisaninvestmentdecision,notjustahousingorhealthcaredecision.ThisconcepthasbeeninConnecticutformorethan40years.AllCCRCsinConnecticuthavesurvivedtheupsanddownsofbusinesscycles,butinotherpartsofthecountry,afewhavefailed.Youwanttolearnaboutthefinancial“health”ofcommunitiesyouareconsidering.Investigatethecommunityusingtipsprovidedhereandfromyourowntrustedsources.Aprospectivecontractsignerisadvisedtofirstconsultanattorneyorotherprofessionalexperiencedinmattersrelatingtoinvestmentsincontinuingcarecommunities!WhoOwnsTheCommunity? Whoownsthefacilityisimportanttoknowbeforeyousignthecontract.Isthecommunitythatinterestsyouownedbyasingleentityorpartofachainofplacesinotherstates?Isitownedbya“for-profit”entityora“non-profit?”Isitownedbyareligious-affiliatedentity?AmongthefacilitiesinConnecticutmorearenon-profits,butsomehaveconvertedtofor-profitstatusandnewfor-profitonesmayopeninourstate.

Non-ProfitorFor-Profit? Thisfactorreallyshouldnotmatter,butitdoeshavesometaximplicationsyoushouldbeawareof.Forinstance,forprofitspaypropertytaxesinthecommunity.Non-profitsdealwithobligationstothecommunityunderdifferentlaws.This“for-profitornon-profit”statusmayimpactyourowntaxfilings.LearningtheactualownershipofaforprofitmaybehardtodeterminebecauseownershipmaybebyRealEstateInvestmentTrusts,calledREITsbytheinvestmentcommunity.For-profitcommunitiesatpresenthavenoresidentsonOwner’sBoardofDirectorswhilesomenon-profitsdo.Thismatterofresidentrepresentationattheverytopofacommunity’smanagementiscurrentlyadiscussiontopicamongresidentsofsuchcommunitiesacrossthecountry.InitialInvestmentvs.MonthlyFeesThecontractyouwillsignwillhavethreebigparts:1)Theinitialcashpaymentdetailsthatwillbeabiggerorsmalleramountbasedonthesize/floorplanofthelivingunityouchooseANDareyouonepersonmovinginortwo?2)Thehealthcareplanyouselect;3)Thescheduleofmonthlyfeesthatwillinclude(forexample)feesforusingacommunitycartotakeyoutothedoctoretc.Thefeesmaygoupbyapercentagemostyears,generallyinJanuary.Bylawyourcommunitymustprovide30daysnoticebeforefeesareincreasedalongwithanexplanationandanopportunityfordialogueandcomment.Thelump-sumentrancefeecannotgoupordown,becausethatdollaramountissomethingyouandmanagementagreedtowhenyoubothsignedthecontract.

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AFFORDABLE? WhatManagementWillAskofYouWhenyoudecidetosignacontract,youwillbequestionedaboutyourpersonalfinancestodeterminewhetheryouhavesufficientassetstoputdownplustocontinuetomeetthemonthlyservicefee.Yourassetsandliabilitiesaswellasyourinvestmentportfolio,annuityandretirementincomemustbedisclosed.Generally,youwillberequiredtopresentcopiesofrecentincometaxreturnsandrecentbankandinvestmentaccountstatements.Ifyouhavelong-termcareinsurance,disclosethat.Youwillberequiredtomakeadepositwhenyousignthecontract.Manypeoplerelyonthesaleoftheirpresenthometomeettheoutlayrequiredbythetotalentryfee.Beforemovingin,anybalancewillbedue.Somecommunitiesmayofferabridgeloansoyoucanpaythebalancepriortothesaleofyourprevioushomeorcondominium.Notalldo. WhatIfIRunOutofMoneyLaterOn?CCRC/LifePlanCommunitiesdonotwanttoacceptanyonewhomightrunoutofmoney.Basedonyourfinancialdisclo-sures,Managementgenerallyhastheexperiencetojudgeifyoumightrunoutofmoney.Butrunningoutofmoneydoeshappen.Managementdoesworktofindasolutionwithresidentswhofindthemselvesinthispredicament.SomepeopledomoveawaytoalessexpensiveplaceormoveinwithafamilymemberoutsideofthecommunitywhentheynolongercanaffordtheCCRC.Youshouldaskwhatsolutionstothisproblemareavailablebeforeyousignthecontract.

WhatAreSomeSolutions?Somecommunitiesoffercontractsthatpromisetoneverstopprovidingsafehousingifmoneyrunsout.Thismayeitherbeinthecommunityitselforinasisterfacilitynearbythatislessexpensive.Ifthecontractinvolvestherighttoarefundofaportionofyourentrancefee,somecommunitiesmaypermittheuseoftherefundamounttopayyourmonthlybills.Notallrefundablecontractspermitthis.Somecommunitieshavean“aid”programthatcanpayaportionofthemonthlybill,butnot100percent.Youmustapplytoseeifyouqualifyandtolearnhowmuchwillbeoffered.Donotbeembarrassedtoaskaboutthesebeforesigningthecontract.WhatIfINeedAssistedLivingOr???MostofuscannotpredictifwewillneedlevelsofhealthcarethataremorecostlythanIndependentLiving.Youmustaskaboutthesecostsbeforeyousignthecontract.KeepinmindthatMedicareplusyourMedigapinsuranceandmedicaldeductionsmaylightentheburdeninasmallway.Butundermostcontractshigherlevelsofhealthcarecomewithsignificantlyhighercosts.(SeeContractTypes.)Yourfinancialexpertshouldcloselyreviewthisaspectofthecontract.AskifaidprogramsofferassistanceonceyouleaveIndependentLivingforahigherlevelofcare.

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READ CONTRACTS! GetACopyoftheContractYouareentitledtoacopyofthecontractforreviewbeforesigning.Ifyouaredecidingbetweentwoplaces,obtainthecontractfromeach.Thesearelongdocumentsandcanbeoverwhelming.Ideallyyouwillhaveampletimetoreviewthedocumentsyourselfandbyotherexpertsyoulikelywillhire.Butifthereisawaitinglistforthetypeofunityouareseeking,yes,youwillfeelpressure.Solineupyourpotentialadvisorsbeforeyoustartseriouslyvisitingcommunities.

WhoCanHelpYouUnderstandtheContract?Thecommunity’sMarketingDepartmentwillgooverthecontractwithyou.Butlikelyyouwouldnotmakeanydecisionaboutaninvestmentofover$100,000withoutinvolvingyourfamilyortrustedfriends.Sogoevenfurther!Pleaseseekappropriateprofessionalhelpbeyondthisguidebookletorfamily.ConsultanattorneyorotherprofessionalexperiencedininvestmentsinCCRCs.Plantospendtimewithexpertsbeforeyousignacontract.AndseetheResourcesSectiontolearnofbooksorwebsitesspecializinginCCRCs.

AreContractsDifficultToMaster,Yes!Thestraightanswerisyes.TheMarketingteammaynothaveexplainedeverydetail.ButYOUmustunderstandthewholecontract,includingpartstheymightnothaveemphasized.Havingyourprofessionalslookingoutforyourinterestsisamust!Nevertheless,instaterequiredannualsurveysofresidents,mostpeopleadmittheydidnotfullyunderstandthecontractstheysigned.Butthesesurveysalsoshowthatmostresidentsaresatisfiedwithcommunitieschosen.Peopledomoveaway.InConnecticutanannualConnCCRAsurveyofIndependentLivingoccupantsshowsourcommunitiesmaintaincloseto90percentoccupancyratesyearoveryear.Thecontractspellsouthowmuch,ifanyamount,youcanrecoverifyouleavethecommunity.Lookintolanguageaboutanyrefundableprovisions.Askyourattorneytoexplainthatparttoyoubeforesigningacontract.CanContractsBeNegotiated/Changed?Generally,contractscannotbenegotiated,butifthecommunityhasvacancies,whynotask.Oncesigned,contractsarefinal.Reasonablecost-of-livingincreasestomonthlyfeesshouldbeexpected.CommunityManagementThecontractmaynottellyoualotaboutthecurrentmanagementteam.Youshouldaskwhotheexecutivedirectorisandhowlonghasthatpersonbeeninthatjobandinthecommunity.ComparethiswiththeDisclosureStatement.Ifkeymanagementisnew,followuponthis.TakeNoteof“NoTipping”LanguageEmployeeslikelyareforbiddentoaccepttipsofcashorgoodsforanyreason.

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CONTRACT TYPES ContractsVary,SoStudyThem!MostcontinuingcarecommunitiesrequireyoutoenterattheIndependentLivinglevelandthen,asneeded,youmaytransitiontoAssistedLivingServicesorothercaresuchasaMemoryServicesorSkilledNursing.Noteveryoneusesallthreelevelsofcareduringone’syearsinthecommunity.AcurrenttrendistoencourageresidentstoremainattheIndependentlevelmadepossiblebyhiringextradutyaideswhenneeded.TheIndependentLivingsettinggenerallyisthemostaffordablelevelinaCCRC,dependingperhapsonthesizeoftheunityouhaveselected.IntroductiontoContractsMostcontractscoverfivemajortopicsandcommunitiesmayofferyouuptothreehealthcare“typesofcontracts.”Typesofhealthcarecontractsarediscussedindetailonanotherpage.Thisfactdemon-strateswhyreadingthecontractandgettingfinancialadviceisimportant.FiveKeyContractTopicsfollow:1. EntranceFeeAmountDetailsThissectionisstraight-forwarddealingwiththeentrancefeeamountforyourunit,plusamonthlyfee.Iftherearetwoofyou,youlikelywillneedtopayasecondpersonentrancefeeandasecondpersonmonthlyfee.ThiswillincludethetypeofhealthcareyouwillhavewhileinIndependentLivingandthepaymentarrangementsshouldyoulaterneedahigherlevelofhealthcare.

2. FeesforServicesDetailsForexample,whatmealplansareoffered.Orwhatwillitcosttohavethecommunitytransportyoutoyourdoctorortheairport?Orwhatwillitcostifyouaskforextraservicesnotcoveredbyyourcontract.Chargesforservicesmaygoupacertainamounteachyear.Lookthroughthecontractforthedetailsshowingfees.Askaboutpastorpendingincreasesinsuchfees.

3. FinancialFacts&FuturePlansManypagesinthecontractorintheDisclosureStatementaredevotedtoinformationabouttheownerofthecommunity,discussionoffutureplans,financialstatementsandprotectionsavailablefromthestate.

4. MealPlansMostcommunitiesofferaspartofyourmonthlyfee30/31daysofacontinentalbreakfastandahotmainmealinadiningroom.Mostalsohaveacaféopenforhotfoodatbreakfastandavarietyofchoicesatlunch.Hoursvary.However,somecommunitiesnowareofferingmoremeal-planchoicesandcaféserviceintotheeveninginlieuofthefullformalserveddinner.Askaboutwhatdiningchoicesyouwillbeoffered.

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5. HealthcareServicesAtVariousLevels&CostsWhenyousignthecontract,youalsowillsignupforthehealthcareservicesthecommunitywillofferyouandthecostarrangements.Thecostsandservicesdifferamongcommunitiesandyourunderstandingthesedifferencesisvital.

HEALTH CONTRACTS ThereAreThreeTypesBealerttothebigdifferencesinhealthcoveragebeingofferedbythecom-munitiesyouareconsidering.Areyoucomparing“applestoapples“or“applestooranges”?Yourout-of-pocketcostsmightbesignificantlydifferentdependingonwhatyouchooseandwhatactuallyhappensasyouageinplace.Thisdecisionisagamble.TypeAThisisoftencalledalife-carecontract.Youmaypayahigherentrancefeeandahighermonthlyfee.Inexchangeforthis,youcanliveinthecommunityfortherestofyourlifeandpaythesamemonthlyfeeevenifyoumovetothenursinglevel.Inshort,youareself-insuringagainstwhatitmaycostifyouneedhighermedicalservicesinAssistedLiving,MemoryCareorSkilledNursing.Notallcontinuingcarefacilitiesofferthiscontracttype.Generally,thecommunitiesthatdorequirea90percentrefundablecomponent.Shouldyourunoutofmoney,Managementmaybeabletoapplyfundsfromtherefundableamounttocoverwhatyounolongercanpay.YourcommunitylikelywillofferataxadvisoryletterinMarchforyoutosharewithyourtaxpreparerwhowillhelpdeterminewhat

youmaybeabletodeductonFederalincometaxreturnsinlightofcurrentorchangesintaxlaws.NOTE:Ifyoulivetotheendofyourlifeneverusingahigherlevelofcare,thismaynotbeawisechoice.Butthereisnowaytoknowhowyourlifewillgo.Therearestudiesthatindicatethatfewerthan20percentofthosemovingintoIndependentLivingeverusedSkilledNursingservices.Butthecostsifyoudoneedahigherlevelofcarearesignificant.Checkwhatprivatehealthinsurancecoverageyouhave.TypeBThistypeofcontractcombinessomeaspectsoffeeforservicesandsomeguaranteesofavailabilityofAssistedLiving,MemoryCareandSkilledNursingifneeded.Thisisdonebydiscountinghigherlevelsofcarefordefinedperiodsoftime,beforemarketratesarecharged.Somecontractsofferrefundableentryfees,butmaybecontingentupontheresaleofyourlivingunit.YourcommunitylikelywillofferataxadvisoryletterinMarchforyoutosharewithyourtaxpreparerwhowilldeterminewhatyoumaybeabletodeductonFederalincometaxreturns.TypeCThistypeofcontractisaplain“feeforservice”contract.Ifyouneedservicesasidefromhousingandamenities,youwillpayfortheservicesyouuseata“market”rate.So,ifyoueventuallyneedAssistedLiving,MemoryCareorSkilledNursing,monthlyfeeswillincreasedramatically.Ifyouhavelong-termcareinsurance,thismaymakethiskindofcontractacceptable.Also,highnet-worthindividualsmaybeokaywiththisplantype.Askyourtaxpreparerwhetheranyexpensesmaybedeductible.

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LIVING UNIT CHOICES SeePhotosofAllHousingOptions!IfyouhaveaccesstoacomputerandtheInternetyoucanlearnmuchaboutthelivingchoicesandservicesavailable.Thelistofcommunitiesinthisguidehavelinkstowebsiteswhereyoucanseeapartmentfloorplansandphotosofthediningroom,thelibrary,exerciseroomsandsoforth.Themarketingstaffwillgiveyoucolorbrochureswhenyouvisit.Whenyouvisit,asktoseeseveralfloorplans.Askthecostofeach. MainBuildingoraCottage? Doyouwantthediningroomandactivitiesjustdownhallortheelevator?OrareyouOKwithgoingoutsiderainorshinetogettothefunstufforforbreak-fastordinner?Notallcommunitieshavecottages.Butbecarefulofmakingadecisionwith“loveatfirstsight”thinking.Whataboutfiveyearsfromthepresent?Yes,itispossibletomovewithinacommunitybutitgetshardertodosoasyougetolder.

WhatFloorPlansAreOffered&AvailableWhenYouWantToMoveIn?Isthereawaitinglistforthelivingunityouwant?Howlong?Whatdoeseachstyleandsizecost?Think,willyourfurniturefit?Willyougetthesunlightorshadeyouprefer?Willitbealongwalktothediningfacilitiesortothemainentrance?Willnewcarpetingbeinstalledandinwhatcolor?Sameforpaintchoicesforwalls.Whatwindowtreatmentsarepossible?Askifthecommunityoffers(asanincentivetocome)theservicesofaconsultantwhowillhelpyoudecidewhatfurnishingstobring.Askaboutdoorkeysandpoliciesregardinglockingdoors.VisitAllLevelsofCare!EvenifyoudonotneedAssistedLivingorotherlevelsofcare,asktovisitthese.Somedayyouoryourpartnermightliveatoneoftheselevels.

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LOCATION / GROUNDSWhereAreYouWillingtoRelocate?MostoftheCCRC/LifePlanCommunitiesareinsuburbanoreven“country”Connecticut.Afewareinacity.Thoseinacitydohavebeautifullylandscapedgroundswithwalkingpathsandgardens.Theothersnotonlyhavegorgeousgrounds,butmaybeclosetowhereyouoryourfamiliescurrentlylive.Thestatement“location,location,location”iskeytoyourthoughtprocessaboutwhereyouwanttoliveoutyourremainingyears.UseThisListToPrioritizeLocationsHereisachecklisttohelpyouprioritizewhatyouwanttobenear:1. Family&friends?2. Hospitals?3. Doctor,dentist,specialists?4. Highways,airports,trains,buses?5. Golf,beach,tennis,majorleaguesportvenues?

6. Theaters,museums,musicvenues?7. Shopping,groceries,pharmacies?8. CitieslikeBoston,NewYork,Hartford?9. Otherneeds?

Parking&SnowRemovalAskwhereyouwillbeparkingyourowncarifyouarestilldrivingandwhereyourguestswillbeabletopark.Learnwhatfeesmaybechargedforcoveredparkingspots.Picturetheentirecampuswhentherewillbeheavyrainorsnow.Whatsnowremovalserviceswilldealwithlocalroadsleadingtoyourcommunityandwithinthecommunityincludingroadwaysandsidewalks?Willcarsparkedinoutdoorspacesbeclearedoff?Ifstillworking,willsnowremovalaccommodateyourschedule?

Gardening&OutdoorSports!Whenyoumakeavisittoacommunity,becertaintoaskforatourofthegrounds.Somehaveareaswhereresidentscangardenandsomemaynot.Aretherehikingtrails,puttinggreens,arelationshiptoanearbygolfcourse,boccecourts,ponds?Pet(s):Yours&OtherResidentsHowmanydogsorcatsorotheranimalsarepermitted?Whatotheranimaltypesareallowed?Whataretherulesregardingservicedogs?Isthereachargeforhavingapet?Anysizelimitations?Wherewillyoubeallowedtowalkyourdogandtherulesregardingcleanups?Whataretheleashrules?Whatareasofthebuildingsaredogsnotpermitted?Inbadsnowfalls,willstaffmakeitpossibleforyoutogetsafelytotheoutdoorpetwalkingareas?Whatareproceduresforregisteringcomplaintsaboutpetbehavior?Outdoor&IndoorSecurityAskaboutsecurityattheentrancetothecommunity,aboutwhenmaindoorsarelockedandhowonegetsin.Andwhathappensifyoudonotcomeoutofyourunitinthemorning?Doesanyonecheck?

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CheckListtoAskAbout

PersonalConsiderations CommunityAmenities24-hour Security Bank or ATM Basic Utilities Café Hours/Days Basic TV/Phone Library Safety Pendant/Wristband Vending Machines Internet/WiFi Computer Room & Help Housekeeping Swimming Pool/Whirl Pool Parking Yourself/Guest Auditorium/Piano/Projection Transportation to doctor/ Gift Shop Shopping/Church Convenience Store Meal accommodations for Gardening/Greenhouse Religion or dietary reasons Woodworking Shop Hearing Loop in Auditorium Transportation to cultural events Snow Removal Entertainment/Lectures/Concerts Pet Friendly Full-Service Dining Room Wheel Chair Transport Private Party Dining Room Visually-impaired Support Wine or Full-Service Bar Handrails in bath areas Clubs: Men’s, Book, Welcoming, Knitting Podiatrist Available Transport to Airport/Train Stations Support Groups For Hearing etc. Life-Long Learning Classes Ways to Support Charities Religious Services/Chaplain

HealthcareOnSiteWellness / BP Clinic

24-hour Emergency Service Physical Therapy Services

Visiting Podiatrist Orthopedic Product Vendors

Personal Trainers Dietician Services

Personal Certified Nursing Assistant (CNA) Services

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RESIDENT RIGHTS Yes,OlderAdultsAlwaysHaveRightsWhenyoumoveintoacontinuingcarecommunityyoubringwithyoucertainfederalandstatelegalprotectionsagainstage,disabilityandotherformsofdiscrimination.ResidentscanraiseconcernsaboutacommunitytotheDepartmentofSocialServices(DSS).GeneralconcernscanbedirectedtoConnecticut’sDSSAdvisoryCommitteeonContinuingCareCommunities,whichmeetsquarterly.Thesemeetingsareopentothepublic.Therearetworesidentsofcontinuingcarecom-munitiesthatarevotingmembersofthisCommittee.ThereIsAStateOmbudsmanand…TheOmbudsman’sgoalistopromoteandprotectqualityoflifeandcareforskillednursinghome,residentialcarehomeandassistedlivingresidentsundertheDepartmentofRehabilitativeServices,860.424.5200.ProtectiveServicesfortheElderly,888.385.4225.AlsoaConnecticutCommissiononWomen,ChildrenandSeniors.OverviewofBasicRights!• CCRCresidentsinConnecticutdo

havemorerightsthataremorecomprehensiveandbetterdefinedthaninmostotherstatesthankstolegislationpassedandsignedintolawin2015.ReadmoreabouttheContinuingCareResidentsBillofRightsonnextpage.

• ResidentsreceivingAssistedLiving,

theMemoryCareServicesandthoseinSkilledNursingareprotectedbyanumberofstateandfederallaws.Thesefacilitiesareinspectedbythestate.Resultsarepublicrecords.

OtherAdvocatesforResidentRightsThereareanumberofgroupsthatlobbyforolderadultrights.AARP,forinstance.ResidentCouncilsineachcommunitydo.OurConnCCRAandNaCCRAtoo.LeadingAgeConnecticut, part of the national LeadingAgeÒ,hasseveralmemberLifePlanCommunitiesinourstateandbothlevelsarepowerfuladvocatesforaqualitylifestyleincontinuingcarecommunities.Fighting“ageism”isagoal.OthergroupownerswithmanyCCRClocationsalsoadvocateinWashingtonD.C.andstatecapitalswheretheyoperate.YourelectedStateandFederalrepresentativeslistentoolderadultconcernsbecausewevote!Ifyouareinterestedinsuchmatters,lookintotheResidentCouncilatcommunitiesyouareconsidering!

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CONNECTICUT’S CCRC BILL OF RIGHTS OurStateHasMoreProtectionsThankstohardworkbyCCRCresidentsacrossthestate,theConnecticutlegislaturepassedandtheGovernorsigneda“CCRCResidentBillofRights.”Weareoneofaveryfewstateswithsuchalaw.ItwentintoeffectOctober1,2015.ItappliestoallnewcomerstoCCRCsorLifePlanCommunitiesafterthatdate.Someofitsprovisionsdobenefitthoseofuswhobecameresidentspriorto2015.Forinstance,ourcommunitiesnowmustprovideuswithwrittennoticeofanyproposedrateincreases30daysbeforetheytakeeffectalongwithanexplanationoftheincreaseandanopportunitytodiscussit.Theyalsomustshareplansofsignificantrenovationsorexpansionplansbeforethesebegin.Thatgenerallywasnotthecasebeforepassageandisnotthecaseinmanystates.OverviewofNewProtectionsTheBillofRightshasfivegeneralprotectionsthatdidnotexistbeforePublicAct15-115waspassed.TheformalnameisAnActEstablishingaBillofRightsforResidentsofContinuingCareRetirementCommunities.Thefivebroadprotectionsarelistedbelowasfollows:1. Avoiceinalldecisionsaffectingtheresident’shealth,welfare,andfinancialsecurity.

2. Transparencyregardingthefinancialstabilityoftheprovideroperatingthefacilityatwhichtheresidentresides.

3. Timelynotificationofthedevelop-mentsaffectingthefacility,includingbutnotlimitedto:(a)ownershipchangesoftheprovideroperatingthefacilityatwhichtheresidentresides,(b)achangeinthefinancialconditionoftheprovideroperatingthefacilityatwhichtheresidentresides,and(c)construc-tionandrenovationatthefacilityatwhichtheresidentresides.

4. Independenceindecisionsregardingmedicalcareandassistedlivingservices.

5. Responsibleaccommodationsforpersonswithdisabilities.

Tofindthislaw,pleasegotoportal.ct.gov.InthesearchfieldenterPublicAct15-155.

January 28, 2019 20

WHO REGULATES CCRCs?TheStateRegulatesCCRCs&LifePlanCommunitiesTheStateDepartmentofSocialServices(DSS)haslimitedregulatorypowersovertheIndependentLivingcomponentofallcontinuingcarecommunities.TheDSSdoesnot guaranteethesecurityofyour investmentembodiedinthecontractor thefinancialsolvencyoftheCCRC/LifePlanowner.NordoesDSSinspecttheIndependentLivingareaofaCCRCorLifePlanCommunity.BylawAssistedLiving,MemoryServicesandSkilledNursingpartsareregulatedbythestate.Thestatein-spectsSkilledNursing,MemoryandAssistedLivingfacilities.TheseinspectionsaredonebytheStateDepartmentofPublicHealth.Reportsarepublicrecords.Allfacilitiesmustmeetlocalzoning,construction,fire,healthandbuildingregulations.DSSRequiresDisclosureStatementsStatelawrequireseveryCCRC/LifePlanCommunitytoannuallyfileadetaileddocumentwithcosts,occupancyrates,futureconstructionorrenovationplansandmuch,muchmore.ThisiscalledtheAnnualDisclosureStatement.Youwillbegiventhecurrentversionwhenyoufirstinquireandanyupdatebeforeyousignthecontract.YoualsocandownloadthisfromtheDSSwebsiteandManagementisrequiredtohaveaprintedversionavailabletoresidents.

DisclosureStatementsAreOnline!AllCCRCDisclosureStatementsarelongdocuments.OnecurrentDisclosureStatementis71pages.TheStatementcontainslotsofdetailedinformationaboutthecurrentstatusofthecommunityandaboutfutureplans.Thefinancialsectionmaynotbeauditedifthecommunityownerisaprivately-heldcorporation.ThesestatementsarekeptbutNOTreviewedbytheDSSstaffunlesssomethingcausesaredflag.Yourfinancialadvisororattorneyshouldseeacopy.ToobtainseeResourcesSection.DSSAdvisoryCommitteeForCCRCsTheCCRCBillofRightsgavepermanentstatustothiscommitteethatpreviouslyhadbeenatthediscretionoftheDSSCommissioner.Thecommitteemeetsquarterlywithdatespostedonlineandisopentothepublic.Minutesareavailableonline.Votingmembersincludeowners,executivedirectorsofCCRCs,attorneys,actuaries,thepresidentofConnCCRAandanappointeebytheCommissionerfromoneoftheCCRCcommunities.Gen-erally,thepublicisallowedtoaddressthecommittee.ReputationofConnecticut’sCCRCsOverthelast20years,onlytwoConnecticutCCRCsexperiencedfinancialdifficultiesandinbothcasestheywereabletoreorganizeandbecomefinanciallystableagain.TodayseveralareexpandingandIndependentLivingoccupancyisaround90percentinall.

January 28, 2019 21

HEALTHCARE ONSITE ABigReasonForBeingInACCRC!ComingtoaContinuingCare/LifePlanCommunityisapromiseforlifetimehealthservicesyoumayneed,oftenonthesamecampus.Forexample,ifyourpartnerneedsrehabilitationservicesafterbreakingahip,inmanycasesyoucanvisitthatpartnerwithoutneedingtodriveortaxitothatbedside.RehabservicesareprovidedbyallCCRC/LifePlanCommunitiesoftenonthesamecampus.Generally,Memoryservicesorhospiceareoncampustoo.Somecommunitieshavedoctorsandpodi-atristswhocometothecommunityonaregularschedule.Transportationtonearbydoctorsisaserviceofferedforafee.Askiffeesareabouttoincrease?TourAllHealthFacilitiesWhileyoumaynotneedextraservicesnow,lookatallthecommunityoffers.The mannerinwhich residenthealthcareneeds areprovidedvariesamongcommunities.OverviewofHealthcareServicesHealthcareservicesfallintotwomaincategories: immediateandlong-term.OnceinIndependentLiving,youmayneedimmediatehealthcareatsomepoint.Soaskaboutavailabilityofawellnesscenterorcareinyourunitforaminorburnordizziness.Orwherebloodpressurecanbechecked?Andaboutproximityofprimaryandemergencyfacilities?Inthelong-termcategory,askaboutanywaitingtimestogetMemoryServicesorSkilledNursingandhowisthatresolved?

IsHospice/PalliativeCareAvailable?Yes,mostcommunitiescanarrangetomakethesepain-relievingandendoflifeservicesavailableinIndependentLivingorincoordinationwiththeexistingSkilledNursingservices.Youandyourfamilywillbecalledtoperiodiccareplanningmeetingstodiscussadditionalservices.Theseareattendedbymedicalandsocialworkstaffwhowillreportandmakeyouawareofdecisionsthatshouldbemade.WhatMedicalStaffIsOnDuty?Whatevercategoryoflivingyouareinaskabouthours/daysmedicalstaffisavailable.Adoctor?Anurse,butatwhatlevel?LearniftherearetimeswhenonlyCertifiedNursingAssistants(CNAs)areonduty.Likelyyouwillbeprovidedwithapendanttosummonmedicalassistance?Ifso,willitcoveryouwhileyouareoutsidewalkingyourdogorjoggingontrails?WhatIfINeedAnAideForSomeDays&Nights?WillIhavetofindanoutsideproviderorwillthecommunitybeabletoprovidemewithanAideforlongorshortterms?ArethererulesagainstusingoutsideAides?Ifnot,howcanIbecertainofthesafetyofmyselformypersonalbelongings.Yes,mostcommunitiescanhelpyouarrangefor

January 28, 2019 22

theseservicesandmosthaverulesaboutwhocanbehiredasanAide.CommunitiesgenerallypricetheservicesofanAideatmarketratesorperhapsjustbelow.ThecostofanAidewillbeaddedtoyourmonthlybillifyouuseoneprovidedbythecommunity.

CostsofHealthServicesMustBeFacedJustaslivingathome,costsrarelygodownandyoucanexpectsomecoststogoupincontinuingcare.ButtheadvantageoflivinginaCCRCorLifePlanCommunityisyoucanplanbetterbecauseincreasesaresomewhatpredictable.Andgenerallyhappenonlyonceperyear.

MedicareandPrivateInsurance? Ofcourse,mostcontinuingcareresidentshaveMedicareandprivatemedicalinsuranceevenbeforeenteringaCCRC/LifePlanCommunity.Butjustasinyourownhome,theseprogramsdonotpayforyourhousingordailylivingexpensesandthatistrueinaCCRCaswell,whetheryouinIndependentorAssistedLiving.SomeserviceswithinHealthcareunitsmaybereimbursedbyLong-TermCareInsurance.Medicaremaypayforawalkerormotorizedversion.Yourprescriptionplanswillcontinuetopayforpillsetc.,andanyout-of-pocketmedicalexpensesmaybedeductibleonyourFederalincometaxreturns.Yourcommunitywillprovideguidanceaboutaspectsofyourbillthatmaybedeductible.WhatScreeningWillIHaveToPass?YoushouldaskthisquestionoftheMarketingStaffanddetailsshouldbeexplainedinthecontract.Generally,to

beacceptedintoaCCRC/LifePlanCommunityyouandanysecondoccupantwillbeaskedsomehealthquestions.IfyouoptforaType-ALifeCarecontractyouwillbeaskedforreportsfromyourdoctor(s).DocumentsYouWillBeAskedtoKeepOnFileYouwillhavetoshowproofofapart-mentinsurance.Youwillbeaskedforcurrentcopiesofyourwill;yourappointmentofahealthcarerepresentative,includingthenameandcontactinformation;ornamesandaddressesofchildrenorclosestfamilyandifthereisa“donotresuscitate”provision(aDNR).IfyoudohaveaDNRorder,theHealthCenterstaffcanarrangeforyoutohaveanofficialDNRbraceletorpendant.

IfYouhaveHearingorVisionIssuesAskAboutSupportServices Ifyoulivewithdecliningvisionorhearing,youwillfindlotsofotherstocommunewith.Mostcommunitiesstrivetoprovidetechnologiesandservicestomakeyourlifeeasier.Becertaintoaskabouthearingloopsinauditoriumsandsupportgroupsetc.

January 28, 2019 23

KNOW CARE LEVELS GeneralAdmissiontoaCCRC’sHealthCenter isusuallybasedontheavailabilityofabed.Ifnone isavailable thefacilityiscustomarilyobligatedtoarrangeforadmissiontoanotherfacilityandtopaytheresident’sfeesnotcoveredbyinsurancesuntil anopeningoccurs.AskabouttheCCRC’spastrecordformeetingresidentneedsoncampus.Theseservicesmustbelicensedbythestateandoraccredited..

AssistedLivingWhenyoubegintoreceiveAssistedLivingservicesgenerallyyouwillpayyourregularmonthlyservicefeeandadditionalchargesbasedonthe levelofservicesand assistancerequired.Medicare doesnot pay for assistedlivingbut may coversomeservicessuchasphysical therapy.Transi-tioning toAssistedLivingmaybeinitiatedinavarietyof waysguidedbyassessmentsmadebyfamilymembers,a resident’s physician,thecom-munity’sMedicalDirectorandothersasneeded.Awidelyutilized standardforadmission toAssisted LivingServicesistheneedforastableindividualtoneedsupport formorethantwo essentialactivitiesofdailyliving.Arestaffemployeesofthecommunity,orfromanoutsideprovider?Askhowlongthatproviderhashadthecontract?FYI,theoften-usedacronym“ALSA“meansAssistedLivingServiceAgency.Memory Care Services Ask ifmemorycareisprovidedon-site? Wher e ? Best facilitieshave a

ratioofstaff toresidentsthatexceedstheaverageforotherlocalfacilities. A s k i f services a r e personalizedtoreflectthe resident’suniqueabilities,interests, andpersonalhistory.Th e go a l s hou ld b e t o sustainthe highestpossible levelofindepen-dencefortheindividual.Doestheunithaveanoutdoorsecurespace?Arethereprivateroomsandalsodoubleroomsatalowerprice?The processfortransitiontoMemoryServiceslikelymirrorsthatwhichoccurswhenaresidentmovestoAssistedLiving.Askaboutwhostaffsthefacilityand itsratingandhistoryofcompliancewithregulatoryrequirements. Skilled Nursing Services TheConnecticutDepartment ofPublicHealthlicensestheSkilledNursingfacilitywithinaConnecticutcontinuingcarecommunity. Whenyouvisitlookforqualityoflifeintheunit.Seeiftheatmosphereismorefriendlythanahospitalcorridor.Doorsmaybeclosedforpatientprivacy,butisthediningareaattractivewithwindowviewsoflovelygroundsandflowersonthetables?Askaboutstaffing.Generally,a

January 28, 2019 24

doctorhasregularhoursinthissection,butaskfordetailsabouttheschedule.AdmissiontotheSkilledNursingispossiblewhenaresidentrequires24hoursofcare,orwhenaresidentisdischargedfromahospitaldirectlytohisorhercommunity’sSkilledNursingunitforrehaboranotherreason.Avail-abilityofabedisalsoafactor,soaskhowoftenisthisaproblem.Medicarehasa48-pageguidetochoosinganursinghomefacilityusefulalsoforevaluatingaCCRCSkilledNursingunit.Accreditationorganizationsalsoofferevaluationtips.Thestatedoesnotrequireaccreditation.(SeeResources)AskWhoCanAccessBedsintheHealthCenter?AsyoutourtheHealthCenter,askaboutindividualsineachofthelivingspaces.AretheyresidentsofIndependentlivingtemporarilyneedingAssistedLiving,forinstance.Oraretheoccupantsfromoutsideofthecommunity?Manycommunitiesrelyonkeepingfacilitiesateverylevelfullbymakingroomsavailabletooutsideclients.Askifthisposesaproblem.In-RoomCommunicationsHowdoesanoccupantcallformedicalorpersonalhelp?Askifthebedsidetelephonecanbeusedtomakelongdistancecalls?IsthereWi-Fifortheoccupant’ssmartphoneorlaptopcomputer.WhatTVchannelsareoffered.AskToSeeSpecialNeedsBathingFacilitiesWhatequipmentisavailableandarethereenoughbathingroomsfortheSkilledNursingorMemoryUnitoccupants.Somecommunitiesmayoffermemoryassistanceinapartments.

OTHER . . .RehabilitationServicesFindoutifthereareseparatewellness,fitnessandrehabilitationfacilitiesforresidentsatalllevelsofthecommunity.Asktoseethespaceandequipmentineach.Alsoinquireaboutthecredentialsofthestaff.Arestafffromanoutsideserviceprovider?Howlonghasthecurrentproviderbeenundercontract?CheckOutAllExerciseFacilities Isthereagymandaswimmingpool?Seeifthefacilityhastheequipmentyouliketousenow,plusequipmentthatmaybemoreappropriateforyouasyouageinplace.Askwhatexerciseclassesareofferedincludingintheswimmingpool?Isthefacilityexclusivelyfortheuseofresidentsorcanitbeusedbyoutsiderswhomaygainaccesstoallareasoftheexercisefacilitythrougha“club”membership?

January 28, 2019 25

LISTOFCOMMUNITIESINCT

ArborsatHopBrook.Manchester*www.arborsct.com/about-us2018JanuaryAnnualFinancialFiling&DisclosureStatement2018MarchAnnualFinancialFiling&DisclosureStatement

AshlarVillage,Wallingford*www.masonicare.org/locations/ashlar-village2015AnnualFinancialFiling2016DisclosureStatementPart12016DisclosureStatementPart2

CovenantVillageofCromwell*www.covenantvillageofcromwell.org2018DisclosureStatement

Duncaster,Bloomfield*www.duncaster.org2018DisclosureStatement

EdgehillSeniorLiving,Stamford*www.edgehillcommunity.com 2018DisclosureStatement

ElimPark,Cheshire*www.elimpark.org2016AnnualFinancialFiling2017DisclosureStatement

EssexMeadows,Essex*www.essexmeadows.com2018DisclosureStatementJuly2018ChangeofOwnershipNotice

EvergreenWoods,NorthBranford*https://evergreen-woods.com2016DisclosureStatementDisclosureStatementAddendumNoticeofChangeofOwnership

McAuley,WestHartford*http://themercycommunity.org/2017DisclosureStatement

MeadowRidge,Redding*www.meadowridge.com2018DisclosureStatement

PomperaugWoods,Southbury*www.pomperaugwoods.com/2018DisclosureStatement

SeaburyatHome,Bloomfield2018DisclosureStatement

SeaburyRetirement,Bloomfield*www.seaburylife.org2018DisclosureStatement

StoneRidge,Mystic*https://stoneridgelcs.com2018DisclosureStatement

Watermarkat3030Park,Bridgeport*3030park.watermarkcommunities.com2017DisclosureStatement

WatermarkatEastHill,Southbury*https://easthill.watermarkcommunities.com2018DisclosureStatement

WhitneyCenter,Hamden*www.whitneycenter.com 2017DisclosureStatementDisclosureStatementFeeScheduleDisclosureStatementExhibitA*=MembersofConnecticutContinuingCareResidentsAssociation.TheDSSwebsitelists3retirementcommunitiesthatarenotConnCCRAmembers

January 28, 2019 26

ResourcesWithspecialappreciationtoMagMorelli,LeadingAgeConnecticut

ConnCCRA–JohnJohl,President860.767.1992jhjohl@gmail.com NaCCRA–JimHaynes,ofVirginia,Presidentjhaynes@avgroup.comNaCCRA.comFindotherhelpfulpublicationsaboutthisformofolderadultliving.

2018BradBreeding(CCRCauthorandspeaker)FreeWebsitePosts• August7CanIAffordaLifePlanCommunity?• July 16 Evaluate the Financial Viability of a CCRC Evaluate the Financial

ViabilityofaCCRCWithOurFreeGuide• June5What’sImportanttoCCRCProspects?ConsumerSurveyResults:What’s

ImportanttoCCRCProspects?NewYorkTimes:Dec.4,2018/Sonoma,CA,CCRCarticlehttps://www.nytimes.com/2018/12/04/business/retirement/continuing-care-retirement-communities-baby-boomers.html AuthorFredHerbhttp://agingsmartly.org/Wikipedia.orgContinuing care retirement communities in the United StatesCTDepartmentofSocialServices(DSS)• DSS&itsappointedcommissioneroverseeCTCCRC/LifePlanCommunities• CCRCExpert/AdvisortoDSSCommitteeonContinuingCareRetirement

Communities:RichardWysocki,DSSAnalyst/Rich.wysocki@ct.govAnnualDisclosureStatements• ContinuingCareFacility-Reimbursement• DocumentsandForms.Thefirstcommunityinalistof18willbeArborsandthen

alphabeticaltoWhitneyCenter.NursingHomeAccreditation• CommissiononAccreditation ofRehabilitation FacilitiesContinuingCare

AccreditationCommission(CARF-CCAC)• JointCommissiononAccreditationofHealthcareOrganizations(JCAHO)ConnecticutProtectiveServicesfortheElderly–888.385.4225ConnecticutCommissiononWomen,ChildrenandSeniors-860.240.1475

PhotoCredits:NaCCRA,Watermark,Bridgeport;WatermarkatEastHill;EssexMeadows;StoneRidge;Edgehill;PomperaugWoods;GailJanensch.QuestionsorCorrections:GailJanensch/gailj2@optonline.net/203.856.4360

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