Provider finances
Review audited statements, debt, occupancy, reserves, capital needs, fee increases, affiliate transactions, and the assumptions supporting future-care obligations.
Decision guide
CCRC financial and legal diligence
Questions for the provider, regulator, and independent advisers.
Contract rights
Review termination, transfer, health assessment, fee changes, refund, arbitration, resident rights, and what happens if the provider restructures or closes.
Independent advice
Use advisers who understand continuing-care agreements. Marketing materials and a pleasant campus visit are not substitutes for contract and financial review.
Official sources and next step
Rules, data, and individual eligibility can change. Check the dated official source and confirm the facility, contract, clinical fit, and payment details directly.