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Long term care comes in many forms, from in-home care, to hospice (short term) care, to retirement communities and beyond. What level of care, and what type of facility meets both your short term and long term goals, needs careful assessment and choices before a crisis occurs, when the decision could put in the hands of your children or physician.

One of the most comprehensive options available is to find a community or facility that offers a continuum of care option. These retirement communities cover a broad range of services and amenities, and vary greatly with what may or may not be available.

A facility with a full continuum of care option has three primary components:

1) Independent living;
2) Assisted living; and
3) Full care.

Independent Living
The independent living component of these facilities either have rental apartments or condominiums on-premises, which are completely independent living, but offer a service package such as maid service, meal service, laundry service, etc. Each facility will have different policies on which services are optional and which are mandatory, and generally offer an option to pay a flat monthly fee, or to get services “a la carte” from a selection.

This type of service should border on living in a hotel, with an in-house maintenance crew, concierge and package services, transportation services, and in larger facilities, on-

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Written by: W Thomas Payne
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