Common Contracts

Life Care
Common Contract Types

When comparing CCRCs and other types of senior living communities, you will likely encounter two kinds of contracts: Life Care Type A and Continuing Care, also known as Type B.

It’s important to understand the difference between these contract types so that you can make the right choice for you:

Life Care Type A

Only a handful of CCRC’s offer Life Care Type A contracts that provide a continuum of care for life at the same community. That continuum includes independent living, assisted living services (help with dressing, bathing, meals, and more), long-term skilled nursing, and/or short-term therapy and memory care.

Life Care Type A contracts guarantee lifetime access to these services and care regardless of the person or couple’s financial situation. Life Care contracts do require an entrance fee, but offer relatively stable monthly fees with only small adjustments for cost of living/inflation increases, regardless of the level of care.

Continuing Care Type B

These contracts typically require higher entrance fees. With Continuing Care (Type B) contracts, monthly fees may increase with the level of care. Continuing Care contracts are extremely varied, so be sure to look at the contract language carefully.

While some communities may claim to offer Life Care, that may not always be the case. True Life Care Type A communities must adhere to much stricter federal requirements than other senior communities, and must be listed by the California Department of Social Services (CDSS). Be sure to ask any community that claims to offer Life Care whether they are listed with the CDSS a Type A Life Care Community, and ask to see proof.

Comparing Contracts

Here you will find an at-a-glance comparison of the features offered by Life Care Type A and Continuing Care (Type B) contracts.

Life Care Type A




Predictable lifetime costs*


Guaranteed lifetime coverage for:

✓ Assisted living

✓ Memory care

✓ Long-term skilled nursing care

Continuing Care Type B




Costs increase with higher levels of care*


May be offered:

+ Assisted living

+ Memory care

+ Long-term skilled nursing care

*Monthly fees may be adjusted to accommodate increases in cost of living and inflation.


Why Choose a Life Care Type A Contract

There are multiple advantages to choosing a senior living community that offers a Life Care Type A contract, including:

Making Sure Your Care is Covered
Many Life Care Type A contracts cover care that Medicare and health insurance plans don’t cover, including long-term skilled nursing and memory care as well as housing. Compare your
options to make sure you’re covered for every season of life
Is Life Care Right for You?
When deciding which type of contract is right for you, make sure you’re asking the right questions. Click here for a list of questions to help you determine if a Life Care Type A contract meets your needs.
We’re Here to Help

We understand that choosing the right senior living community isn’t always simple. We’re here to help make it easier, with information, guidance, and peace of mind. If you have any questions about Continuing Care Retirement Communities, Life Care contracts, or long-term care, please don’t hesitate to contact us today.


One of the area’s few licensed, faith-based Continuing Care Retirement Communities (CCRC), Rowntree Gardens provides a full range of integrated onsite services to meet the changing needs of active seniors.
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