06-23-2021 Primetime Living - Flipbook - Page 26
26 A Special Advertising Section of Baltimore Sun Media Group | Wednesday, June 23, 2021
A place to
Is a retirement
right for you?
By Margit B. Weisgal, Contributing Writer
t was time. Owen and Anna Walker sold their four-story house, clearing out the detritus The only other option was to leave Carroll
of more than 30 years. Downsizing was painful, but they got it done and moved to a
two-bedroom apartment in the city with everything they needed in walking distance. But
even that began to pale. Their next residence was a continuing care retirement community.
All they had to do was move in.
You often see the advertisements touting the long list of benefits of living in a
retirement community, such as “maintenance free,” “worry-free,” and “all-inclusive,” and most have activities, clubs and
classes for social interactions where you
meet new people and develop new interests. You’re invited to stay active and
involved while the burden of home ownership and its requisite upkeep is removed.
For Owen and Anna Walker, it was a perfect solution.
Carroll Lutheran Village (CLV) takes
continuous care to a new level. “Our busiJeff Branch ness model is different from other CCCRCs
because of how we got started,” says
Jeff Branch, president and CEO, of the
Lutheran Social Ministries of Maryland
(LSMMD). In 1980, 26 Lutheran churches came together because there wasn’t
enough skilled nursing available to care for
their members and the greater community.
“Senior housing has
to constantly evolve and
respond to the needs of
County. So, what started as a skilled nursing home where they combined resources
more than 40 years ago has evolved into
a CCRC with independent living available
in apartments and houses, assisted living,
memory support and skilled nursing.
“Senior housing has to constantly
evolve and respond to the needs of the
population,” Branch explains. “Today’s
perspective on senior housing means
a viable continuum of care. There’s an
expectation that with changing needs they
can accommodate everyone’s requirements from active senior to hospice. This
is happening because of baby boomers,
the leading edge of which is made up
of 75-year-olds, entering the market en
masse. We have that group alongside
residents in their 90s and up, all of whom
have their own point of view about what
they need. We have to find a bridge to
accommodate the differences.”
What, exactly, are continuing care
retirement communities (CCRCs)? They
operate under rules administered by the
Maryland Department of Aging. It says,
“Although the legal definition of “continuing care” is complex, in general, “continuing care” exists when all three of the
following are present:
1. The consumer pays an entrance fee
that is, at a minimum, three times the
average monthly fee.
2. The provider furnishes or makes
available shelter and health-related
services to persons 60 years of age
3. The shelter and services are offered
under a contract that lasts for a
period of more than one year, usually for life.
There are also caveats and warnings
that contracts are legally binding, but only
a portion of the agreement is regulated
by the MDOA, so every CCRC has different clauses stating what is included.
Therefore, the MDOA strongly recommends you have an attorney review it.
“There is financial risk involved in choosing a CCRC, as large sums of money are
paid in advance for future services.”
It adds, “Some CCRCs may provide
full coverage nursing care in an on-site
health center at no additional charge to the
resident, while other CCRCs may provide
priority admission to a nursing facility on a
Age well, continued on next page