Best age to choose CCRC option

Best Age to Look at CCRCs: Maximizing the Benefits

Considering a Continuing Care Retirement Community (CCRC) is a significant decision, and timing can play a crucial role in maximizing the benefits and amenities these communities offer. While there isn't a one-size-fits-all answer, understanding the best age to explore and move into a CCRC can help you or your loved ones enjoy a more fulfilling and secure retirement.

Why Timing Matters

CCRCs are designed to provide a continuum of care, from independent living to assisted living and skilled nursing care. This means residents can transition seamlessly as their needs change, all within the same community. By moving in at the right age, seniors can fully enjoy the wide range of amenities and activities available while ensuring future care needs are met.

The Ideal Age Range

Mid to Late 60s

Many experts suggest that the mid to late 60s is an ideal time to consider moving into a CCRC. At this age, most individuals are still active and healthy enough to fully participate in and enjoy the social, recreational, and wellness programs that CCRCs offer. Moving in during these years allows residents to build relationships and become integral members of the community.

Early 70s

For those who prefer to stay in their current home a bit longer, the early 70s can still be an excellent time to transition to a CCRC. Seniors in this age group typically still have good health and mobility, enabling them to make the most of the amenities and activities. Additionally, moving in during the early 70s provides peace of mind, knowing that future healthcare needs will be addressed within the same community.

Benefits of Early Transition

Active Lifestyle

By moving into a CCRC earlier, residents can take full advantage of the active lifestyle these communities promote. Many CCRCs offer fitness centers, swimming pools, walking trails, and a variety of classes and clubs that encourage physical and social engagement.

Social Connections

Forming new friendships and staying socially connected is easier when individuals are active and healthy. CCRCs provide numerous opportunities for socialization, from group outings and events to communal dining experiences.

Access to Healthcare

Early transition to a CCRC ensures that residents have immediate access to a continuum of care if needed. This provides a sense of security, knowing that any health issues can be addressed without the stress of moving to a new facility.

Financial Planning

Moving into a CCRC at a younger age allows for better financial planning and management of resources. Many CCRCs offer various contract options that can be tailored to fit different financial situations, making it easier to plan for long-term care costs.

#### CCRC Entry Fees

One of the most significant considerations when looking at CCRCs is the entry fee, which can vary widely depending on the community, location, and type of contract chosen. Entry fees typically range from $100,000 to $1 million or more. These fees are designed to cover the cost of future healthcare services and the extensive amenities that CCRCs offer. In addition to the entry fee, residents will also pay monthly fees, which can range from $2,000 to $5,000 or more, depending on the level of care and services provided.

#### Making the Decision

Deciding when to move into a CCRC is a personal choice that depends on individual health, lifestyle preferences, and financial considerations. It's essential to visit multiple communities, talk to current residents, and carefully review the services and contract options each CCRC offers.

Starting the search in your mid to late 60s or early 70s can provide the best balance between enjoying an active, engaged lifestyle and planning for future care needs. By choosing the right time to move, you can ensure a smooth transition and make the most of the vibrant, supportive environment that CCRCs offer.

### Expert Guidance from Travise Smith

Navigating the timing and options for senior living can be complex, but expert advice is available. With over a decade of experience in the senior living industry, Travise Smith offers invaluable insights and practical advice. As the author of "Blueprint to Senior Living," available on Amazon, Travise provides comprehensive guidance to help you make informed decisions about senior living options. Whether you're considering a CCRC, a month-to-month community, or another senior living arrangement, Travise's expertise can help you find the best fit for your needs.