Continuing Care Retirement Communities (CCRCs) in Massachusetts

For discerning older adults, choosing a continuing care retirement community (CCRC) in Massachusetts means more than planning for retirement—it is about finding continuity, community, financial stability and peace of mind. These continuing care retirement communities offer a vibrant lifestyle today along with the reassurance of on-site care and long-term support. But not all CCRCs are the same. Contract types can vary widely, and understanding these differences is key to choosing a community that aligns with your needs, values and vision for the future.

What Is a Continuing Care Retirement Community?

Also known as Life Plan or Lifecare communities, CCRCs are designed to support active, healthy living while offering a seamless transition to higher levels of care should needs change over time. Residents enjoy a maintenance-free lifestyle enriched by amenities, wellness programs, engaging events and a strong sense of connection.

There are several compelling reasons to consider a CCRC for your next chapter, including:

• Social Engagement: Freed from home maintenance, residents have more time to enjoy fitness programs, cultural outings and community activities that foster meaningful relationships.
• Aging in Place: Lifecare allows residents to remain in the same community as their needs evolve, providing continuity and comfort.
• Peace of Mind: Couples with different care needs can remain close while accessing the right level of support, whether that’s Assisted Living, Skilled Nursing or Memory Care.

At the heart of the CCRC model is this promise: the ability to age in place while staying among the people and in the community you have come to trust and cherish.

CCRC Contract Types: A Quick Guide

Not all CCRCs offer the same kind of financial protection or access to care. Here is a simple breakdown of common contract types:

Type A—Lifecare

The most comprehensive option:

• Entrance fee (90% refundable at The Commons) and a monthly service fee
• Predictable monthly costs even if care needs increase
• Access to on-site care across the continuum, without significant fee increases under most circumstances

Type B—Modified

• Includes a limited number of care days
• Additional care billed at market or discounted rates
• Costs become less predictable over time

Type C—Fee-for-Service

• Lower entrance fees up front
• Residents pay for care out of pocket at market rates
• Higher financial risk if care becomes necessary

Understanding these differences can help you match your financial goals with the level of support you may need over time.

The Massachusetts CCRC Landscape

Massachusetts is home to a robust and diverse CCRC environment, shaped by the region’s strong traditions of academic excellence, medical innovation and cultural vitality. Many communities here reflect these attributes, offering residents a rich blend of intellectual, social and wellness-focused opportunities.

The Commons in Lincoln, nestled on 34 acres of conservation land just outside Boston, is among the top CCRCs in Massachusetts. Our community combines the strength of not-for-profit ownership (JustLiving Communities) with Benchmark Senior Living’s operational excellence while providing access to cultural activities, lifelong learning and top-tier medical care.

As you explore what sets communities like The Commons apart, it is equally important to understand how the financial model supports both your lifestyle today and your care needs tomorrow.

What Does a CCRC Cost in Massachusetts?

Understanding the financial structure of a CCRC in Massachusetts is a key step in your planning process. Costs can vary depending on the contract type and services included—but at a Type A Lifecare community like The Commons, the pricing model is designed to provide long-term value and reassurance.

Here is how the financial structure typically works:

• Entrance Fee: This one-time fee secures your residence and ensures priority access to the full continuum of care. At The Commons, 90% of the entrance fee is refundable to you or your estate, helping preserve your financial legacy.
• Monthly Service Fee: This recurring fee covers a wide array of services—from dining and housekeeping to transportation, wellness programs and access to amenities—providing convenience and comfort in daily living.

This model allows residents to enjoy a high quality of life today while knowing their future care needs are covered.

Tips for Choosing the Right CCRC in Massachusetts

As you explore your options, look beyond the basics. Pay close attention to factors such as:

• Community location and surroundings
• Lifestyle and wellness offerings
• Dining quality and culinary flexibility
• Access to healthcare and rehabilitation
• Resident satisfaction and community reputation

The Commons in Lincoln embodies these qualities. Named a Top Senior Living Community by Boston Magazine and recognized by U.S. News & World Report for excellence in Sub-Acute Rehabilitation, The Commons reflects a deep commitment to quality, transparency and community connection. As a not-for-profit, mission-driven community, it integrates fully with the greater Lincoln area and provides a true sense of belonging.

A Promise to Your Future Self

Choosing a CCRC is a personal and practical decision—one that requires careful thought and planning. At The Commons, the Lifecare contract offers more than just access to care. It provides confidence, continuity and the opportunity to live fully—today and into the future.

When you choose The Commons, you are not just selecting a place to live. You are investing in a future defined by connection, comfort and peace of mind.