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[quote=Anonymous][quote=Anonymous]There's a reason they are so expensive. I would definitely consult with an eldercare attorney. I think they probably anticipate all members will need intensive care. Everything has risk, you just need to work with a professional to properly assess risk and make your decision.[/quote]

Pick one that has been around for awhile.  Also, you want a higher entrance fee.  It's those fees that pay for when one spouse ends up in "higher level care" and the other stays in the 2 bedroom/2bath apartment, all for the same cost overall.

My parents are in a higher end CCRC.  The entrance fees start at 400K and go up (proportionately for the unit you start in).  The only additional costs for "higher level care" is the additional meals costs (independent living includes about 30-40 meals per month, more if you choose cheaper options, but you pay $300 more for the 2 extra meals in HLC).  For the last 2 years, there are 4 female residents who are "out of money" and do not pay anything. All are over 95, 2 over 100 and widowed.  Those 4 are ones where the CCRC is "loosing money".  But for every one of them there is someone who spend 5-10 years in, paid $450K entrance fee and only spends 1 year or less in "higher level care".  The CCRC makes money on those people. Fact is outside of "memory care", most people do not spend more than 1-2 years in higher level care--they typically deteriorate quickly once they leave independent care.

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