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Description of Services

Continuing care retirement communities (CCRCs) provide a “continuum of care” — lifetime shelter, activities and access to health care services. The resident can move as needed from independent living through assisted living, to nursing and rehabilitation care. Meals and housekeeping services are offered, as well as many social and recreational activities.

A resident pays an entrance fee and monthly fees, and usually must enter the community through the independent living section. Many retirement communities are private, not-for-profit organizations or have a religious affiliation.


Most residents enter a retirement community while healthy and active. They live independently in an apartment or small, semi-detached cottage. If a resident begins to have health problems and becomes less able to do things for him or herself, he or she is able to stay in the community and move among its different lifestyles (or levels of care) as needed.

Settings and Services

Retirement communities offer services in a number of settings. Most retirement communities in Maryland offer a campus setting. However, new options are becoming available, including continuing care at home, condominium living and co-operative living.

Services Offered

Retirement communities make many types of services and activities available to keep residents healthy, mentally stimulated and an active part of the community.

Types of Contracts

The type of contract you choose determines the types of services and amount of long-term care that are provided without additional fees. The contract is complicated and should always be reviewed by an attorney experienced with this type of agreement. An elder law attorney may be the most experienced in this area. In Maryland, the types of contracts include:

  • Extensive
  • Modified
  • Fee-for-Service
  • Life Care in Perpetuity