I forgot to mention that our CCRC only has type B contracts. So we do maintain our long term care insurance. The rate charged for care is discounted, also.
One can certainly buy a meal plan. They have a 15 meal plan and one with 30 meals. Meals run $15.60, which I see as a good price. The plans do have a slight discount per meal. We live in villas next to our main facility, so it is an easy walk to the main building to dine. My wife and I discuss getting a plan, but have not bought one yet. Our main building is a tower, with about 7 floors of residences. I believe that the people living there might have meal plans, even those living independently. We do participate in some meals, especially taco night. The Thanksgiving buffet was excellent
You are correct that the monthly fees cover several ordinary expenses. For instance, our fees provide free cable. We still stream most of the shows we watch, but the cable is nice for network tv. Also, at least in our CCRC, some of your monthly fee amount will be tax deductible. Also, the entrance fee (depending on the amount you contract for a refund) is largely tax deductible.
We have been in our CCRC in Florida for three months. It is a great lifestyle. Previously, we spent seven years in a Sun City near Atlanta. We no longer pay the HOA fees, pest control, most of the utilities, home owners insurance or property taxes. We do pay electricity and renters insurance. I believe our auto insurance is slightly lower. Over all, since we had no mortgage payments or monthly debt payments, I would say our expenditures are higher, but reasonable. Since we are living in independent living, we have no meal plan But, we do eat at the facility from time to time
We will close on a place in a CCRC next month. As mentioned, proceeds from out house will fund most of the entrance fees. We have no immediate family, so the move seems our best route. We do have LTC, which will come in handy.
My wife and I live in a 55+ community and have been here 7 years. This is the second 55+ community for me. I am not aware of any health requirements, but most 55+ communities that I know of advertise themselves as active adults. Now that we are in our mid-70’s, we have joined a CCRC waiting list. We will use proceeds from our house to pay the entrance fees. We both have LTC insurance and a healthy income. We don’t have family to care for us, and I would not want them to have to do so. We don’t foresee problems, but you never know. Life goes in its own direction
My wife and I are both 73. We added our name to a waiting list for a CCRC. We are hopping that the waiting time is not too long. We have been in an active adult community for about 10 years (Sun City), but feel the need and desire to be somewhere that offers levels of care
I like Connections and the mini-crossword. I think my longest connections streak is 6 or 7 days. My level at solving the puzzle runs at about 61%. But I do enjoy it. I like how the puzzle shows PHEW! when you solve it with no more mistakes left to make. I've just started the Spelling Bee the past couple of days.
Comments
I forgot to mention that our CCRC only has type B contracts. So we do maintain our long term care insurance. The rate charged for care is discounted, also.
Post: How Has Living in a CCRC Affected Your Monthly Bills?
Link to comment from December 4, 2025
One can certainly buy a meal plan. They have a 15 meal plan and one with 30 meals. Meals run $15.60, which I see as a good price. The plans do have a slight discount per meal. We live in villas next to our main facility, so it is an easy walk to the main building to dine. My wife and I discuss getting a plan, but have not bought one yet. Our main building is a tower, with about 7 floors of residences. I believe that the people living there might have meal plans, even those living independently. We do participate in some meals, especially taco night. The Thanksgiving buffet was excellent
Post: How Has Living in a CCRC Affected Your Monthly Bills?
Link to comment from December 4, 2025
You are correct that the monthly fees cover several ordinary expenses. For instance, our fees provide free cable. We still stream most of the shows we watch, but the cable is nice for network tv. Also, at least in our CCRC, some of your monthly fee amount will be tax deductible. Also, the entrance fee (depending on the amount you contract for a refund) is largely tax deductible.
Post: How Has Living in a CCRC Affected Your Monthly Bills?
Link to comment from December 4, 2025
We have been in our CCRC in Florida for three months. It is a great lifestyle. Previously, we spent seven years in a Sun City near Atlanta. We no longer pay the HOA fees, pest control, most of the utilities, home owners insurance or property taxes. We do pay electricity and renters insurance. I believe our auto insurance is slightly lower. Over all, since we had no mortgage payments or monthly debt payments, I would say our expenditures are higher, but reasonable. Since we are living in independent living, we have no meal plan But, we do eat at the facility from time to time
Post: How Has Living in a CCRC Affected Your Monthly Bills?
Link to comment from December 3, 2025
We will close on a place in a CCRC next month. As mentioned, proceeds from out house will fund most of the entrance fees. We have no immediate family, so the move seems our best route. We do have LTC, which will come in handy.
Post: How to minimize the caregiving burden on our adult children when we need help?
Link to comment from August 4, 2025
My wife and I live in a 55+ community and have been here 7 years. This is the second 55+ community for me. I am not aware of any health requirements, but most 55+ communities that I know of advertise themselves as active adults. Now that we are in our mid-70’s, we have joined a CCRC waiting list. We will use proceeds from our house to pay the entrance fees. We both have LTC insurance and a healthy income. We don’t have family to care for us, and I would not want them to have to do so. We don’t foresee problems, but you never know. Life goes in its own direction
Post: Who Will Care for Us?
Link to comment from June 8, 2025
My wife and I are both 73. We added our name to a waiting list for a CCRC. We are hopping that the waiting time is not too long. We have been in an active adult community for about 10 years (Sun City), but feel the need and desire to be somewhere that offers levels of care
Post: It’s The Little Things That Scare Me Now
Link to comment from May 24, 2025
I like Connections and the mini-crossword. I think my longest connections streak is 6 or 7 days. My level at solving the puzzle runs at about 61%. But I do enjoy it. I like how the puzzle shows PHEW! when you solve it with no more mistakes left to make. I've just started the Spelling Bee the past couple of days.
Post: Building Connections
Link to comment from April 23, 2025