This depends on the type of residency contract. With some continuing care contracts, referred to as “fee-for-service or Type C contracts” you’ll pay as you go. This means you will pay the full market-rate cost of care, but only as you need it. With other CCRC contracts, referred to as “lifecare,” you monthly service fee includes any care-related services you may need in the future. This allows for greater predictability in your expenses over the long term. But the monthly service fee and/or entry fee will be higher than for a comparable fee-for-service community. There are other contracts that are hybrids of these two. Learn more about CCRC contract types here.
In the case of a couple, if one partner moves into the healthcare facility, for example, while the other is still living independently, any adjustments to the monthly service fee also depend on the type of residency contract. With a fee-for-service CCRC contract, the resident in independent living will usually being paying the single occupant rate, while the other partner is charged the full cost of care. With a true lifecare contract, on the other hand, there would still be no additional charge for the care provided.