Continuing Care at Home Programs Allow You to Maintain Control

Read Time: 2:32
Published: Jan 5th, 2021
Continuing Care at Home Programs Allow You to Maintain Control

 In the midst of this global pandemic, adults who are 50 and older may consider or reconsider how they will plan for the financial costs and burdens of aging. 

The majority of people want to remain in their own homes and maintain control of their lives and future health care decisions; however, there needs to be a plan in place to be successful in that journey. 

Several Options to Consider

There are several options people consider, often before they retire as part of their over-all retirement planning. As you begin your research you will find options that include:

  • Life Plan Communities or Continuing Care Retirement Communities
  • Long-Term Care Insurance
  • Hybrid Life/LTC Insurance
  • Annuity/LTC Insurance
  • 55+ Residential Communities

One option to be aware of is the concept of Continuing Care at Home (CCaH).

Aging in Place Popular Option

CCaH programs are for independent adults who want to age in place, preserve assets, and maintain autonomy and agency through life. It offers a financial component similar to Long-Term Care Insurance but offers proactive wellness coordination that sets itself apart from other products on the market. 

Most programs are associated with a brick and mortar Life Plan Community allowing CCaH members to utilize services and amenities on the campus. Programs also have separate events and programming for members to provide engagement and socialization.  

This model started in the early 1990s with the program Friends Life Care in the Philadelphia area. Today, 31 programs operate across the country and serve over 5,000 older adults and growing. Programs are in Pennsylvania, New Jersey, Ohio, Iowa, Connecticut, New Hampshire, New York, Virginia, North Carolina, South Carolina, Georgia, Florida, Tennessee, Michigan, Arizona, and Hawaii. 

COVID-19 Means CCaH Even More Desirable

With the circumstances of COVID-19 and the desire for more adults to age in place, there will probably be an increase in programs and more states added to this list in the future. These programs are nonprofit and share a common mission of serving older adults and increasing quality of life.

CCaH programs usually offer various plan options and can often work with existing Long-Term Care Insurance policies and offer more comprehensive coverage. Most plans have a one-time membership fee and an ongoing monthly fee that has some tax deductibility. Proactive wellness coordination remains a key component of the CCaH program. 

Recent benchmarking of about 13 programs from across the country has shown only 1% of members making a permanent transition into skilled nursing homes. The data also showed a drastic reduction in hospital readmission at only 5% compared to an average Medicarerecipient rate of 16%.  

Some of the services often provided include care coordination, home safety inspection, transportation services, in-home skilled and semi-skilled services, companion/homemaker services, emergency response services, and wellness and social programs.

These programs allow older adults to remain in control of their future and help them secure financial assets even as the cost of care continues to increase. Check with your local nonprofit Life Plan Community to see if they offer a CCaH option.

About the Author

Amanda Young is the Senior Director of Independent Living at Franke at Seaside and the Director of BeWell@Home, South Carolina’s first and only continuing care at home program. Ms. Young is doctoral candidate in Gerontology at Concordia University Chicago with research focuses on aging in place and proactive health and wellness initiatives. She holds an M.S. in Gerontology from McDaniel College and has been working in aging services for the past 15 years.

Editor's Note

Family members are often left with the role of being a caregiver or managing paid care services. When no advance plan has been put in place, the family finds themselves in crisis management. Caregiving is hard, and paid care services are expensive.

Have you thought about how you would address the costs and burdens of aging when facing this problem yourself in the decades ahead? The time to plan is before you retire - ideally in your 40s or 50s. For many American families, affordable Long-Term Care Insurance gives you the guaranteed tax-free benefits to pay for your choice of quality care either in-home or in a facility. 

LTC NEWS Research Tools

LTC NEWS offers multiple tools and resources to help you research the many options to find an affordable solution. 

Find all the resources on LTC NEWS by clicking here.

One of the best tools is the LTC NEWS Cost of Care Calculator. You can find the current and future costs of long-term health care where you live. This information will help you design an appropriate LTC Insurance policy.

Advertising and Marketing Opportunities on LTC NEWS

LTC NEWS offers unique ways to reach the people you want to reach. Your message will reach two groups - those who are planning for their future retirement and those seeking information in a crisis situation with an older family member. 

Many marketing opportunities are available, including sponsored content articles. Sponsored content offers you a long-form way to sell yourself, your company, and your ideas.

Learn more about how LTC NEWS can help you market your business - click here.

Be Published on LTC NEWS

LTC NEWS offers many resources to help families address the consequences of long-term care, aging, health, caregiving, and other retirement issues. You can be part of the effort to help educate consumers throughout the U.S. and around the world.

Write a story for publication on LTC NEWS and let America hear what you have to say. Be sure your article fits the LTC NEWS target audience of adults 40-70.

Topics can include stories on:

  • Aging
  • Caregiving
  • Health
  • Long-Term Care
  • Retirement Planning

There are numerous other related topics, as well. You can even promote yourself, your business, and your website or blog. It must have editorial content exclusive for LTC NEWS and cannot be just an advertisement. It can include links to other sites, and you can share the article link once published on your website or social media.

Email your story idea or article: or click here.

LTC News Contributor Amanda Young
Amanda Young

Contributor Since
January 5th, 2021

Senior Director of Independent Living

About the Author

Senior Director of Independent Living at Franke at Seaside and the Director of BeWell@Home.

Work With a Long-Term Care Specialist
Work With a Trusted Long-Term Care Insurance Specialist
  • Has substantial experience in Long-Term Care Insurance
  • A Strong understanding in underwriting, policy design, and claims experience.
  • Represents all or most of all the leading insurance companies.
Find a Trusted Specialist
Table of Contents
Connect With a Long-Term Care Specialist

Find Affordable Insurance and the Right Coverage.

LTC News Trusted & Verified
Learn More
Search Results