Retirement communities -- have we discussed this?

Dh and I have now visited three communities, one here and two near ds1. After the year+ my siblings and I spent taking care of our mom at her home, we are determined to make other choices.

All three have been nonprofits, although we weren’t specifically searching for that. One is 55+, and two are 65+ so we don’t qualify for those yet. I am amazed at the difference in prices among the three.

My MIL was in an independent living situation, although by the end she should’ve been in assisted living.

Is anyone here living in a community like this? Thoughts? Are your parents in one? Dh and I think the things we care about now we may not care about when we are 80. We’d like to make the decision at some age – 75 or 80 – to move into one of these places near one of the kids, before we really need a place like that.

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A friend (childless, mid-70s) just moved into a continuing-care community in Philadelphia. It’s run by the Quaker community there and a mutual friend (widowed, mid-80s) moved there a couple of years ago. Not cheap, so I hear.

FWIW, I think moving before you need it is a great plan. Everyone we know who’s parents did that had better outcomes, especially when one spouse died. Being in a routine, with established friends, caregivers that know you, etc… is a huge positive.

My inlaws are in the process of looking to move to a community near them. They are in their 80s and also want to move before they have to so they can choose. They are both in good health and very active for now.

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I have a friend who moved in a 55+ high rise in PA to be closer to a child, and the dh died within months. It was shocking. She still is loving her place. I think she is mid-60s, and the dh was a bit older. I should ask her for specifics about her place.

In laws moved into a facility in their 90’s, and while it was awesome, the residents were older. MIL has been in two additional facilities since, and all have been mostly residents in their 80’s and 90’s. All were for-profit, none requiring buy-ins.

A family friend lives in a CCRC that is a lot more vibrant - plenty of residents who are in their 70’s & even 60’s. It’s nonprofit. Another family friend who just passed away lived in a similar CCRC, also nonprofit. I would choose a place like the ones they live/lived in. The thing is, those do require a buy-in. Both facilities have been around a while & are considered to be desirable places - so seemingly stable.

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We toured this last place, because ds and DIL toured it while looking for a place for her grandmother. He didn’t like this place for her, but he thought that it would be great for us. We checked it out to see what kind of place he thinks we would like! Remember, our kids may be picking our nursing homes! :stuck_out_tongue_closed_eyes:

He wasn’t wrong. We liked it although we didn’t love the location. Very new, but that meant no mature trees. Kind of felt like a strip mall area, but by the time we need it we may not care about that.

My in-laws moved to a very very very nice continuing care community in Maine. It has independent houses (three sizes), apartments, assisted living, skilled care, rehab, and a memory care unit…and a five star dining room!

It’s quite nice. BUT they didn’t move there until they were in their late 70’s. They never really became part of the fabric of the community. I think they should have moved five years earlier. They would have been more likely to join the plentiful activities and meet more people. But they didn’t.

My FIL died. MIL is living still in the smallest of the independent houses but the family has 24/7 care for her now. She made it clear that she would not move out of the house.

This place is terrific…but one has to be willing to really take advantage of all that some of these places offer.

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CCRC’s are very popular here (Philly suburbs). As I mentioned in another thread, we have at least 6 within a 15-20 minute radius (distances where we could easily get back to our community for church/choir, see friends etc.) Plus numerous others in the region (30-45 minutes from us.) There is also a HUGE retirement community about 1.5 hours from here. Tons of amenities. But too far from anything important to us. Pricing structures vary and many do require a buy-in. Layouts and living options also vary (several now have stand-alone cottages with garages in addition to the apartments units.)

My parents moved into one at age 70, because my mom suffered from Lupus and severe RA and could no longer manage their home. They had a 1-bedroom plus den and were very happy. Not having to make dinner every night was hugely appreciated by my mom. My dad died unexpectedly at age 75, and thank goodness mom was already moved into the CCRC. She lived another 4 years on her own in the apartment, but did need some in-home care the last year or so. She ended up in skilled care for a couple of months before she passed. The hope had been that she would improve and be able to go into assisted living, but that didn’t happen. In both scenarios, we never once had to worry about who would care for her in her final days. A true godsend.

My MIL lived in a 55+ community (not CCRC) for 25 years and loved it. For years she said there was no way she was ever moving out. Then at age 85, H told her that if she continued to resist moving to a CCRC, at some point the decision of where she would spend her final years would be made for her out of urgent necessity. That scared her, and within a year she moved into a great facility just 10 minutes from her old place - and she is SO happy. Absolutely loves it, is in several bridge groups and a Rummicub group, goes to exercise class and water aerobics and lots of trips to concerts and plays. She is thriving.

So yes, I’m a big fan of CCRC’s and financing for that option is part of our retirement plan.

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My folks were in a CCRC community. It was a buy-in with the estate getting 90% back after the 2nd person died. Monthly fee was also charged for some meals, washing linens once/week and light cleaning once/week. They had a 2 bedroom unit and moved in their late 80s. They knew a lot of people there because they were i. same country club but honestly didn’t socialize much at all other than to wave and nod hello from time to time. They had an activity director and vans and some planned activities but mom and dad didn’t ever catch the shuttles and only mom took a few classes at the very beginning. They also rarely used the exercise room.

When they needed care, we were able to hire companions to help make sure they took their Rx and ate meals and assist in showering. That was an extra charge that we the family paid.

It was helpful to us that when mom was hospitalized and then discharged she got priority to get into skilled nursing. She got Ok care in skilled nursing but if we wanted her to have more, we would have had to hire more companions or caregivers.

None of us could have provided the level of care mom needed in her last weeks of life and we are glad she could get it in skilled nursing. They often needed multiple people at the same time to assist her in toileting.

My understanding is you have to qualify to get into the CCRCs as they want people without significant health issues and minimal to no dementia. If folks wait too long, they may not be accepted. Also if one waits too long, it may be hard to benefit from socializing etc.

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My mom picked a community that has several levels of care because you don’t know what’s coming and it can be hard to find what you need when you actually need it. While she still lives independently, I love how de-stigmatized everything about aging is there. And everything that’s readily available! My in-laws didn’t have continuing care and it became an issue.

One thought on location: my inlaws were very much a part of their community before they moved, and the retirement community was a few miles away from home. They essentially treated it as a change of home and kept doing pretty much what they had been in terms of activities, church, socializing, etc. Because many residents had relocated to be in that area and senior community, the senior community had a pretty strong community of its own – which my inlaws were less a part of. This was tough for MIL. While my mom also moved across town, she found it easier to “discard” her prior life and immerse herself in the senior community. I have watched this with interest! It seems to matter how immersed you want to be in these communities.

We also know a couple folks who have moved to a senior community then moved out - and not to another. I feel like this is related to the paragraph above but can’t say for sure. But it is food for thought.

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My inlaws are also staying in a CCCR near their current home. I believe they have some friends who have made the move as well but they will keep up with their golf group.

I think one of the things that is spurring the move is that they’ve had a lot of friends die recently and their circle is shrinking. They are very social so this is a way to make some new connections.

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My MIL loved the townhome community she lived in for 25 years, but friends there were starting to die or move out. That made the decision to move to the CCRC (at 85) easier, and now that she has a very enlarged circle of new friends she has zero regrets about leaving her old place. But she also made the effort to fully engage in the new community - which was easy for her because she is very social.

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After a visit last week to ds1 and the old people field trip to the CCRC, dh and I have decided that if we move into that type of facility it won’t be until we leave here and move near one of the kids. We don’t see why we’d make that kind of move here and then again to be near the kids. We love our home and I have tons of friends here and the expense of moving to this kind of place knowing that eventually we’d pick up and move again when we really need to be near someone who can help oversee our care is not appealing.

Having said that dh and I started cleaning out stuff when we got home! I really don’t have tons of extra stuff, but there are things I just don’t need/use so why keep them even if they are mostly out of the way. Dh, on the other hand, is another story …

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There is a very desirable CCRC in our town. It has independent, assisted living, and skilled nursing as well as memory care.

Housing is apartments, cottages, and homes each with 4 or so floorplans. Buy-ins depend on the type/size of unit and (interestingly to me) whether one or two people will live there. Buy-ins are nevertheless considered to be by unit. Published buy-ins on their website currently indicate, “starting at” $109k to $451k. I believe you get some return of that if you leave before one year. After that - zero. Not if you leave, none to your estate. Monthly fee amounts are per person and depend on the type of unit you have. One meal a day is included (though others can be purchased for only $10.50 each) as well as cleaning and linen service. I only know of folks (in-laws of my friend) who live in a home (largest) unit, and their monthly fees are around $5,500 per person. They waited ten years to get in because they wanted a home rather than an apartment or cottage. I think there are waitlists for all types of units. It’s THE place to be. Annual adjustments can be made to monthly fees, but the fee amount never changes with the section you are living in. Thus, even if you move to AL or skilled nursing your fee remains whatever you were paying in independent living.

Tons of activities and events. Bridge, hiking, gardening plats for residents in apartments, lectures, concerts, plays, happy hours, crafts, and volunteer opportunities. All on-site. A van to take you where you want to go. Exercise facilities, etc. Optional travel trips of varying lengths both foreign and domestic are coordinated for residents.

If you have seen my “octogenarian romances,” thread, mil’s person of interest lives in this very desirable community in one of the homes. Honestly, it’s one reason I kinda hope this situation with Bob works out and she winds up marrying him. Even if she had to pay some measure of buy-in. Selfishly, that would alleviate a lot of future worry as she ages. But, it seems like a big risk if she does do this - what if this marriage doesn’t work out?? I mean, she would be his fifth wife. No idea how divorces are handled. Or whether, “marrying in,” to his CCRC requires a buy-in by the new spouse. Bob moved into this community with wife #3. Was there 14 years with her. She died. Wife #4 was a widow who was already living in this CCRC. So, she had bought in in her own right separate from Bob. She moved into his home when they married. I believe she is in the AL section now from my, “research.” So, no idea how the finances of a new, “outside,” wife would work on any buy-in.

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That’s really encouraging to me! That’s what I want. In my family, a “nursing home” was such a stigma so that simply wasn’t an option in my family for our parents, but I’m trying to see living in some kind of facility as not about being “dumped” there by uncaring children (that’s the kind of thing I used to hear) but about taking charge before we “have” to make that decision and being proactive about the kind of life we want to lead.

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I’ve talked about this other places here.

My parents moved south when they retired like many from the Midwest. My dad passed away more than a decade ago, mom was very happy in her community. She fell while visiting my daughter a couple of Christmases ago.

After the fall and a rehab stay, she reluctantly moved to independent living in the community she had been living in. She was very happy, she made friends in the IL and she had friends in the community.

My sibling wanted mom to move to her community. There were lots of reasons which I don’t want to rehash but mom moved to near my sibling a year ago. It was a bumpy road but seems to be evening out.

Both IL have step up units but neither accept Medicaid. So if mom needs nursing home care, she will have to move again as her financial situation is not conducive to private care.

Neither living situation had a buy in. The first place she was in, she had a large studio, the rent was $3000 per month. Included everything but cable and internet. Including all meals. It was really nice, tons of activities, the people who worked there were great.

Her present living situation is a one bedroom for $4100 per month. Mom didn’t like the studio here because you could see the bed from the door. Why this is an issue, I have no idea because she hardly sits in the living room area of this place but likes to hang out in the bedroom.

Again very very nice. Brand new. Workers not as nice, she has struggled to find things she wants to do but there are plenty of activities.

My in laws (well my mil) refuse to consider this option. They do have a ranch but any home has steps and pitfalls for living when you get to a certain place. Something will happen and they will have to consider their alternatives but until that happens, they are staying put.

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My mom was in a CCCR the last 2 years of her life. It was so far from a “nursing home” of old. Even the memory care side where my mom was had large private studio apartments, there was a beautiful dining room (with linens and music playing), well appointed common areas, a gorgeous outdoor courtyard, and a full schedule of things to do, including gardening, yoga, art, daily musicians, pet therapy, dancing and movie nights. There was also a salon on site and they did weekly field trips to the mall, museums, the beach, etc…

For IL and AL, they had a beautiful pool, hot tub, workout room, multiple dining rooms, art studios, a library, daily cocktail parties at 5 pm (with free alcohol) and live pianist, plus all the other stuff I mentioned above. It seriously felt like walking into a resort (it was in FL so the palm trees helped too ; )).

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I think that retirement communities now are more luxury cruise ships on land than what you think of as a nursing home of old.

It’s like when we looked at dorm rooms for our children, they didn’t resemble what we had when we went to college. Definitely upscaled!

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My father moved into a CCRC at the age of 75 (he’d been a widower for decades), was in relatively good health, and had a great experience living there. The place he lived offered both apartments and cottages for independent living, and had all levels of care for the future. It’s a non profit, Lutheran based community, and they had lots of activities. He got involved in everything, was woven into the social fabric, and it was life changing for him. I’m so grateful that he had the means to afford the buy in and the monthly fees, as well as take advantage of all they had to offer in terms of his social life. We did get 90% of his buy in back upon his death in 2020.

During the years he lived there I had high praise for the community. He made many friends and I kept in touch with some of them after his passing. I’m only 50, so still a ways away from making those type of decisions for myself. My father passed away Feb 1, 2020, and after seeing what went on at the CCRC due to Covid from March 2020 to summer 2021 with the residents, it really gave me pause about whether a CCRC is in my future.

I know Covid was a special circumstance, but I couldn’t imagine my father living through the lockdown that his CCRC created for months on end - more than a year! The dining room was completely shut down and all meals were delivered to rooms each evening. The quality of the food plummeted. A portion of his monthly fees were designated for food, so if you didn’t eat their food, you were wasting that part of your monthly fee.

The rules surrounding guests in your own independent living space, or traveling to homes of family were strict. If you had any unmasked visits (including meals) with anyone outside the community, you had to isolate in your apartment for 10 days. Granted, this was hard to enforce for people in independent living, but there were cameras at every entrance and in every hallway. Not that there was much you could do anyway in the community, except maybe sit 10 feet away from someone in the common area while you read a book.

Covid was hard for anyone living in a senior community, I’m sure. But those rules would have stressed my father out and certainly driven him to depression due to isolation. My dad wasn’t one who took kindly to being told what to do - so we would have continued our regular Sunday night dinners at our house and just broken the rules. But he would’ve been worried about it.

I heard about these rules and the impact on the residents because I kept in contact with some of my dad’s closest friends after he passed away. He was well known and surely missed by many of them. Over the course of the year + in lockdown mode, they only had one death from Covid, but had three (!!!) suicides. Incredibly sad!!!

I hope all of these communities (as well as colleges) learned important lessons about the side effects of strict lockdowns and the negative impact on long term mental health and socialization. I recognize that it was unprecedented territory, but listening to the experience of my fathers friends really made me think about whether we may choose a CCRC in the future.

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That’s a great analogy!

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