What to Know Before Choosing a Continuing Care Retirement Community

As retirement approaches, many seniors and their families begin considering how to balance independence, care and quality of life. One of the most comprehensive options available is a continuing care retirement community (CCRC). For those exploring their options, CCRCs offer a unique blend of services, amenities and peace of mind.

In this article, we will walk through what a CCRC is, why it might be the right choice, how the financial model works and how to decide if The Commons in Lincoln could be the right fit for you.

What is a continuing care retirement community (CCRC)?

A Continuing Care Retirement Community (CCRC) provides a full continuum of care for seniors who wish to age in one place. Residents often begin in Independent Living and have the option to transition to higher levels of care such as Assisted Living, Memory Care or Skilled Nursing as needed—all within the same community.

Why move into a CCRC?

Choosing a CCRC means embracing a lifestyle that balances independence with support, giving residents the freedom to enjoy today while feeling confident about the future. Here are just a few reasons of what typically draws people to a CCRC like The Commons in Lincoln:

• Maintenance-Free Living: No more shoveling snow, repairing the roof or keeping up with landscaping—residents enjoy a maintenance-free lifestyle.
• Gourmet Dining: Chef-curated meals served daily, plus casual dining options and seasonal specialties.
• Amenities: Pools, fitness centers, libraries, programs and outdoor activities and outdoor spaces designed to make everyday life engaging.
• Peace of Mind: Couples with different care requirements can continue living close to one another while receiving individualized support, whether that is in Assisted Living, Memory Care, or Skilled Nursing.

How Much Does a CCRC in Massachusetts Cost?

Understanding CCRC costs begins with knowing the different types of contracts. These generally fall into three categories:

• Type A (Lifecare): The Commons operates under a Type A Lifecare contract. This model helps residents and their families plan ahead with confidence. Lifecare covers your care needs through the continuum of care right on our campus. You know you will get the care you need, when you need it, all at a more predictable cost.

  • Entrance Fee: A partially refundable, one-time fee paid upon entry. At The Commons, 90% of this fee is refundable to you or your estate.

  • Monthly Service Fee: This fee covers amenities, services and care. Residents can benefit from housekeeping, dining, transportation, some utilities and 24-hour security. Amenities such as pools, libraries and fitness centers are also included.

• Type B: These communities provide senior housing, services and amenities. Assisted Living and Skilled Nursing care are typically offered in one of two ways: with a limited number of free days of care as part of the entrance fee with additional care billed at market rates per service, or an ongoing, minimally discounted rate for care services.

• Type C: A Type-C CCRC is a fee-for-service community. Access to long-term care, as needed, is typically guaranteed, but charged at fee-for-service market rates.

Choosing the Right CCRC

When selecting a CCRC, it is important to consider factors such as location, amenities, dining programs and resident reviews. Here are some tips for selecting a CCRC:

• Visit Communities: Experience the environment, dining and culture firsthand.

• Review Contracts Thoroughly: Understand what type of contract is offered and what it includes.

• Talk with Residents: Get real feedback on day-to-day life.

Explore a Top CCRC in Lincoln, Massachusetts

The Commons in Lincoln has earned accolades such as a Top Senior Living Community designation by Boston Magazine and recognition by U.S. News & World Report for excellence in Sub-Acute Rehabilitation services. Additionally, as a not-for-profit community, The Commons prioritizes transparency, inclusivity and meaningful integration with the local community.

By choosing a Lifecare CCRC like The Commons in Lincoln, residents gain greater financial predictability and peace of mind while enjoying an active, fulfilling retirement.