Frequently Given Objections
The seven best objections for not considering a continuing care retirement community
- “I’m not ready.”
- “I want to stay in my home.”
- “Retirement communities are expensive. How can I be sure I can afford it?”
- “I don’t want to give up my freedom and independence.”
- “I don’t need nursing home care.”
- “What about up-front fees? I want to leave my estate to my children.”
- “My advisors, children, and friends don’t think I should move to a retirement community.”
1. “I’m not ready.”
Even if you’re not ready to move to a community, it’s never too soon to plan. Waiting too long could delay residency. When you’re ready, the waiting list at your desired community or desired style of unit may be years long. It pays to plan ahead, make the move, get settled and make friends, and enjoy your new life for a long time. At the very least, secure your place on The Highlands at Wyomissing Future Resident Club list.
2. “I want to stay in my home.”
Staying at home is an option, however communities like The Highlands at Wyomissing offer a number of advantages. Trained staff are available to handle chores such as maintenance, yard work, snow removal, and heavy housecleaning that you no longer wish to do. Hiring and supervising staff is management’s concern, so you don’t have to worry about finding and overseeing workers. You will know where and from whom you will receive healthcare, especially Nursing and Rehabilitation if you need it. In your new home, friends and programs are nearby and Personal Care ad Skilled Nursing are available if and when you need them.
3. “Retirement communities are expensive. How can I be sure I can afford it?”
CCRCs are often more affordable than you may think. Calculate your current expenses and compare them with the CCRCs you are considering, taking into account the extra services and amenities offered by moving. If any of the communities you are considering offers a choice of service packages, compare them all. Find a situation that offers the lifestyle you want within the amount you are willing and able to spend. In the end, you may find that the value of living in a CCRC, with peace of mind and security, exceeds the cost and that you can afford the CCRC you want. Check the Cost to Compare worksheet attached and we think you’ll be surprised.
Cost to Compare (PDF Form)
4. “I don’t want to give up my freedom and independence.”
You won’t have to! You will continue to make your own decisions and be free to come and go as you please. You give up the burden of home ownership chores in exchange for quality services and the opportunity to use your time for the things you enjoy, not just the things you must do. You will just be changing your address.
5. “I don’t need or think I will need nursing home care.”
The US Department of Heath and Human Services estimates that about 70% of individuals over age 65 will require at least some type of long-term care services during their lifetime. Future health care and services are an important benefit of a CCRC. However, CCRCs are designed for independent senior adults and are not designed as nursing homes. You can benefit from a spectrum of supportive services – from Residential Living to Personal Care and Nursing and Rehabilitation when, if, and as you need them.
6. “What about up-front fees? I want to leave my estate to my children.”
CCRCs offer a variety of payment options to meet your specific financial planning needs. Measure the services provided against the fees required and find the plan that best suits your needs. When you choose a retirement community that offers full life care, you are actually protecting your assets against any exorbitant future healthcare expenses.
7. “My advisors, children, and/or friends don’t think I should move to a retirement community.”
You’ve made decisions regarding your life, all your life. Why stop now? Once your advisors understand everything you will gain from a retirement community lifestyle, including peace of mind and security, they are likely to agree with your decision. You and your advisors may feel free to call the community with any questions or concerns you may have.