Cavendish Manor Retirement Residence

What are Continuing Care Retirement Communities (CCRC)?

the Best in Continuing Care at Retirement Community in Niagara Falls

Nearly 10,000 people turn 65 daily, and many are considering continuing care retirement communities to spend their retirement years. While many seniors prefer to begin retirement in their own homes, they may need to realize that it will become challenging to remain independent as they age. In fact, nearly two-thirds of seniors need help with one or more daily activities.


For many adults deciding where to retire, the options can seem overwhelming. While some seniors cannot afford the high initial price of a continuing care retirement community, the benefits outweigh the cost for many seniors. Stay with Cavendish Manor to learn about the various services elderly communities offer.

Continuing Care Retirement Community Options in Niagara Falls

Many types of independent living facilities vary in cost and size, available to those heading toward retirement.

Senior apartments

Senior apartments typically limit the age of their residents to 55 or older, depending on the amenities. While they are an excellent option for relatively independent people, most senior apartment complexes typically do not offer additional services outside of ground maintenance.

Retirement communities

Retirement communities typically offer various independent living options for people over a certain age. Depending on the retirement facility, housing options typically include apartments, townhouses, or condominiums. In addition, these communities often include additional services such as a meal plan, 24-hour care, recreational services, clubs, and activities.

Continuing Care Retirement Communities

While many seniors are healthy and independent when they retire, a lot can change as they age. That’s why many older adults choose to move to a CCRC. The facility offers a range of care, from independent and assisted living to skilled nursing care. 


Additionally, these communities, such as Cavendish Manor Retirement Residences, typically provide complete services, including housekeeping, assistance with daily activities, medical care, meal plans, and 24/7 maintenance. In addition, the CCRC gives residents peace of mind. If they or their spouse gets sick, the next level of care is usually just down the hall.

Benefits of Continuing Care Retirement Communities in Niagara Falls

You need to think about various things when it comes to retirement. One of the most significant decisions facing new retirees is where to live. Older adults consider continuing care retirement communities for a variety of reasons. That’s why a CCRC, like Cavendish Manor Retirement Residence, is beyond just a location to put your things.

  • Aging in place. Movement can become more difficult as you age. However, all levels of care are easily accessible in continuing-care retirement communities. It can give peace of mind to married residents with different care needs.
  • Improving and maintaining the quality of life. Isolation and loneliness affect more than 27% of older people. They can cause significant health concerns such as depression and cognitive decline. At Cavendish Manor Retirement Residence, residents constantly have the opportunity to socialize with others, learn new skills, and develop new interests. Instead of feeling isolated, our residents experience an increased quality of life.
  • Exercise. Many CCRCs have dedicated health centers for residents. Depending on availability, many communities offer a variety of health classes, from practice to nutrition. Cavendish Manor Retirement Residence offers personalized fitness training, weight loss, and other special programs to complement pre- or post-surgical needs, including a post-cardiac rehabilitation program. Our fitness director will create a customized fitness program based on the resident’s overall goals, health status, and age.
  • Relief for a caregiver. CCRCs can be attractive to couples where one person is a caregiver for the other for various reasons. It helps the caregiver support their partner while relieving the stress of caregiving. If needed, the spouse can receive additional care within the facility, where personal care assistants can provide support.

How much does a Continuing Care Retirement Community Cost?

Buying or renting a unit in a Continuing Care Retirement Community is more expensive than other housing options. However, for most adults, CCRCs allow them to live without worrying about the future. While the entrance and rental fees for CCRCs are high, considering all they offer, it will be well worth the cost.

  • Monthly fees: Most CCRCs do not take a “one size fits all” approach to monthly rental payments. Many facilities offer a variety of floor plans and financing options to make their facilities more accessible to prospective residents. While monthly expenses can be higher than paying rent or buying a senior apartment, they also include many amenities that become more useful as you age, such as meal delivery, housekeeping services, medication assistance, and laundry.
  • Health care services: Many facilities include health care services. In addition, since CCRCs offer a wide range of care, they always have high-quality nursing and medical staff on campus. During emergencies, residents will have access to care much faster than those living alone.
  • Lifestyle: One of the essential elements of living a long and healthy life is keeping up the physical activities and mentally active. Many older adults are attracted to the lifestyle that a CCRC can offer. Many retirement communities provide a variety of activities, such as book clubs, sports groups, and trips to restaurants, museums, and musical and theatre performances. Providing high-quality activities for residents is often a top priority for Continuing Care Retirement Communities.

Food services and meal plans: As older adults age, adequate nutrition is critical to their health and well-being. However, most CCRCs offer various high-quality, nutritious meal plans that keep residents healthy and empowered. You can include meal plans in the monthly fee or buy them separately depending on the facilities.How much does a Continuing Care Retirement Community cost

How to Finance Your CCRC Entrance Fee? 

Continuing Care Retirement Communities provide a distinctive and all-inclusive approach to elder life. On the other hand, the entrance fee for a CCRC can be a substantial financial expenditure, soaring up to hundreds of thousands of dollars. 

Upon research, You will find different ways to pay for a CCRC entrance fee, each with advantages and disadvantages. It is critical to thoroughly consider each choice and go with the method that best suits your financial condition and aspirations. You may ensure that you have the financial means to live comfortably and cheerfully in a Continuing Care Retirement Community by doing so.


Life Insurance Policy Conversion

Giving away a life insurance policy and converting it into a long-term care benefit program is one way to fund a CCRC entrance fee. The life insurance policy is sold to someone else, who pays the entrance fee in exchange for being named the policy’s beneficiary. This can be a great alternative for seniors with a high-face-value life insurance policy but doesn’t require the death benefit.


Home Equity Loans

You can find a home equity loan as another option for financing a CCRC entrance fee. This loan allows the borrower to utilize their home equity as security. The value of the current market of your home and its difference from the outstanding mortgage balance determines the loan amount.


CCRC Financing Plans

Many CCRCs offer payment plans to help people pay the entry charge. These plans typically include a down payment, followed by monthly payments over a specified period, often up to ten years. Interest rates on these programs might vary, so shopping around for the best offer is essential.



Medicaid may be an alternative for seniors with low financial resources to help pay for a CCRC entry fee. This alternative, however, is limited to individuals who fulfill specific income and wealth requirements, and not all CCRCs take Medicaid.

Moving into a CCRC: What to Expect?

Moving into a CCRC is a significant life decision, and it is critical to understand what to expect. CCRCs intend to provide various care and support services to seniors wishing to spend their retirements at these places. You can see some things to think about as you plan your move:

  • Investigate the community. Ensure you properly investigate the community before moving into a CCRC. Examine the facilities, healthcare services, and level of care provided. Read online reviews from current and former residents to see how life is in that place.
  • Organize your finances. CCRCs frequently charge an admission fee, which can be expensive. Ensure you understand the prices involved and budget accordingly. It’s also ideal to talk to a financial counselor before making any decisions concerning your retirement plans.
  • Consider your health needs. CCRCs provide a range of care options, from independent living to skilled nursing care. When selecting a community, consider your present health needs and any anticipated future needs. It is critical to ensure that the CCRC you select can provide the right level of care.
  • Meet the personnel. A CCRC employee is in charge of your care and support. Set an appointment and meet with them and ask about their experience and qualifications. This type of sitting will give you a better idea of the level of care to which you can look forward.
  • Get involved. CCRCs provide a variety of social and recreational activities. Participation in these activities lets you meet new people and keep active. This might assist you in adjusting to your new surroundings and making the most of your vacation.

Continuing Care Retirement Communities Near Me in Niagara Falls Region

Continuing Care Retirement Residences are the right choice for many elderly couples and others thinking about their future. Continuum care, as defined here, offers a range of care options in one place. These options may span the continuum of care, from independent living to memory care and long-term care. 

Retirement residences in the Niagara Falls area have a variety of care services that meet the needs of many seniors, from those with fewer care needs who want to live in a community of peers (independent living) to those with dementia or other conditions requiring round-the-clock attention.

Cavendish Manor Retirement Residences understands the value of continuing-care retirement communities. That’s why this high-quality and modern residence is proud to provide a wide range of services to seniors in Niagara Falls. Call today for a tour if you want to know this center closely.