Contract Types: Continuing Care Retirement Communities (CCRC) & Life Care Communities

All life care retirement communities are continuing care retirement communities (CCRCs), but not all CCRCs are life care retirement communities.


Sounds like a riddle - but actually, there are some important similarities and differences between these senior living community options that you should know about.

CCRC & Life Care Retirement  Community Similarities

Both continuing care retirement communities (CCRCs) and life care retirement communities provide residents with a lifestyle that includes on campus conveniences, services and amenities, such as banks, beauty salons, fitness centers and more. Most importantly, both types of senior living communities can provide residents with a complete range of lifestyle accommodations, from independent living to assisted living and skilled nursing care.

CCRC & Life Care Retirement Community Differences

The real distinction between a CCRC retirement community and a life care retirement community comes down to the kind of contract the community offers. There are generally three types of continuing care retirement community contracts:

  1. Extensive contracts:   also called Type-A Contracts, provide residents with unlimited, lifetime access to independent living, assisted living and skilled nursing care with little or no increase in the monthly fee as the result of a need for a higher level of care.
  2. Modified contracts:  provide residents with a discounted rate for independent living and a limited period of assisted living or skilled nursing care. Should the resident need a higher level of care beyond that limited period, they pay a daily rate for their care
  3. Fee-for-service contracts: also called rental contracts, provide a lower monthly service fee for independent living residents, but charge a daily rate to residents needing assisted living and skilled nursing care services.

The ACTS Life Care Retirement Program

All ACTS retirement communities are life care communities. Our Type-A extensive life care retirement contract assures that your monthly fee will never increase if a higher level of care is needed at any one of our communities.

And, because ACTS has the largest network of independently owned and managed continuing care retirement communities in the United States, you can visit - or even relocate - to another ACTS CCRC retirement community, and enjoy all the benefits and conveniences associated with being an ACTS resident - from meal plans to health care.