There have been some growing issues with CCRCs’ stability (stories initially reported in Bloomberg and WSJ, with some details accessible at links below):
https://moneywise.com/retirement/elderly-couple-spent-840k-moving-into-retirement-home-that-went-bankrupt
https://www.cozen.com/news-resources/publications/2025/hundreds-of-millions-lost-by-seniors-due-to-bankruptcies-filed-by-continuing-care-retirement-community-communities

See also:
https://www.cbsnews.com/news/continuing-care-retirement-community-bankruptcy-fee-refunds/
https://www.nytimes.com/2025/01/18/health/retirement-community-bankruptcy.html

Anonymous wrote:Am I the only person to have had this occur? One CCRC decided to end LTC/memory care in 45 days (state government forced them to revoke decision) and another similar to OP here. Some people cannot be in AL. What is going to happen?

Which CCRC?

I would look into this more. CCRC have big buy-ins and for them to say that they are no longer providing the services that they said they would, would be some sort of violation of the sales agreement.

I have not heard of this and I would be surprised if “lack of demand” is a real reason.

In 2017, we struggled to find memory care near DC. Then it had sprung up all over by 2021 or 2022.

Perhaps the medicare or medicaid aspect is an issue.

Or perhaps it is due to a lack of staff. If they deport everyone not born in the US, there will be maybe two people left to do the work of 30.

I will then send my LO to MAL or WH for care.

There is more to this story. Either they cannot fill the beds due to cost/reputation or staffing for something else.

Anonymous wrote:No advice but I do worry about things like this. My dad has to pay for 2 years of the full rate for memory care before his facility will accept Medicaid. If the facility closes, they don't have enough money to do another 2 years of full pay at a different facility.

Yes. My ILs signing up for a community where FiL can no longer move for his next phase, if he reaches it, fits this definition to some extent for me.

Wishing you the best for your dad.

No advice but I do worry about things like this. My dad has to pay for 2 years of the full rate for memory care before his facility will accept Medicaid. If the facility closes, they don't have enough money to do another 2 years of full pay at a different facility.

Am I the only person to have had this occur? One CCRC decided to end LTC/memory care in 45 days (state government forced them to revoke decision) and another similar to OP here. Some people cannot be in AL. What is going to happen?

Anonymous wrote:Maybe they can't staff it. My loved one's CCC was lovely for independent living but the care in memory care was pretty abysmal.

It’s hard work and the pay is not great. Going to be a nightmare when the Haitians under TPS are removed.

Anonymous wrote:Just call the facility and ask about it.

Nah. Much better to have a sense if this is a trend or a one off before deciding on approach with CCRC. This is a total upheaval of ILs’ last phase plans and no interest in going in uninformed.

Maybe they can't staff it. My loved one's CCC was lovely for independent living but the care in memory care was pretty abysmal.

Just call the facility and ask about it.

I haven't heard of that and certainly haven't seen it in my mom's CCRC

anyone?

ILs moved to a lovely nonprofit CCRC last spring. They live in a small house on the large campus. My MiL misses her former home, but believed this was the right move for them as FiL is in mid stages of dementia. They have a 24/7 aide but MiL says if her DH needs a second aide to transfer, etc, then he would move to memory care and she would move into an AL/IL apartment.

They were informed right before the beginning of the year, but just told their kids, that the facility is closing down memory care due to “lack of demand”. That doesn’t sound right to me - I track senior health/news pretty closely and I haven’t read anything about a drop in dementia rates as well as drops in seniors needing LTC due to ambulatory issues. My guess is they are anticipating the Medicaid cuts to LTC by Trump/MAGA and want to get out ahead of it.

Is anyone else seeing this? Just want to figure out if there is a pattern here. TIA.