Understanding the Evolving CCRC Entrance Age
Historically, the average age for moving into a Continuing Care Retirement Community (CCRC) was younger than it is today. Experts point to a number of reasons for this shift, including people living longer, remaining healthier later in life, and waiting for a specific event to trigger their decision to move. While statistics can provide a general guideline, they don't capture the entire picture. The "average" is simply a midpoint, with many new residents falling outside this narrow window, entering both earlier and later in their retirement journey.
Factors That Influence Entry Age
Several key factors determine when an individual or couple might move into a CCRC, extending far beyond a simple number.
- Health and Wellness: A critical and often overlooked component is the health and wellness requirement. Most CCRCs require new residents to be capable of independent living at the time of entry. If an individual waits too long and experiences a significant health decline, they may no longer be eligible for the independent living portion of the community. This often forces the decision to be made sooner rather than later to secure a spot. The average age for independent living residents in mature communities can be higher, reflecting residents who moved in younger and have aged in place.
- Financial Planning: Entry and monthly fees are significant financial commitments. Many people wait until their finances are in a stable position to afford the move, while others plan decades in advance to ensure they can secure a desired spot. The financial model, whether a life care, modified, or fee-for-service contract, can also influence the decision.
- Long Waiting Lists: Popular CCRCs often have extensive waiting lists. To get into a preferred community, individuals may need to apply and join the waiting list years in advance. This can lead to a younger entry age for those who plan ahead to secure their future.
- Desire for an Active Lifestyle: For many retirees, the draw of a CCRC isn't just future healthcare; it's the current lifestyle. Many communities offer a wealth of amenities like fitness centers, pools, social clubs, and dining options. Moving in earlier allows residents to maximize their use of these amenities while they are still active and healthy, which is a major motivator for younger retirees. For more information on retirement planning and CCRCs, visit the authoritative source at Milliman.
Minimum vs. Average Age
It is important to distinguish between the average entry age and the minimum age requirement set by the CCRC. While the average might be in the early 80s, most communities set a minimum age, often 55 or 62, for entry. This means a prospective resident who is still very active can move in much earlier and enjoy the community for a longer period. For couples, it's common for one partner to meet the minimum age requirement while the other is younger.
The Advantages of Moving Sooner
While the average age may trend higher, there are several compelling reasons to consider a CCRC move earlier in retirement.
- Maximizing Amenities and Social Life: Moving in while you are still fully active allows you to take full advantage of all the community's offerings. You have more energy to engage in social activities, exercise, and participate in clubs and classes. This can enrich your retirement lifestyle for many years.
- Securing Your Future Care: Waiting too long carries the risk that your health may decline to the point where you no longer meet the independent living entrance requirements. By moving in proactively, you ensure access to the full continuum of care, regardless of future health changes.
- Reducing Stress on Family: Making the move while you are capable and clear-headed can be less stressful for both you and your family. It gives you the chance to make decisions on your own terms and avoids placing the burden of future care decisions on your children.
- Building New Relationships: Early entry provides more time to establish deep connections within the community. For many, this social aspect is a key benefit, helping to prevent isolation and fostering a sense of belonging.
Comparison: Waiting vs. Moving Earlier
| Aspect | Waiting to Move (Early 80s) | Moving Earlier (60s-70s) |
|---|---|---|
| Health | May be more likely to face health-related entry restrictions for independent living. | Entry is more likely, securing the full continuum of care for the future. |
| Lifestyle | Less time to enjoy the active amenities before needing a higher level of care. | More years to enjoy an active, social, and maintenance-free lifestyle. |
| Availability | Could face long waiting lists and risk losing a spot due to capacity limits. | Can plan ahead to secure a spot in a top-choice community. |
| Decision Making | May involve family in a time of stress or crisis due to declining health. | Decision is made proactively, on your own terms and timeline. |
| Social Life | Less time to build a strong social network within the community. | More time to form lasting friendships and build a new social support system. |
Conclusion: Finding the Right Time for You
While the average age to enter a CCRC is often cited as the early 80s, this statistic should be a starting point for discussion, not a final verdict. The ideal age is a personal decision that depends on individual health, financial readiness, and lifestyle goals. For those who prioritize securing future care and maximizing years of active, worry-free living, a move in their mid-60s or 70s may be the wisest choice. The real question is not what the average person does, but what timing best serves your needs and desires for a fulfilling retirement. By evaluating your personal circumstances and planning proactively, you can ensure a smooth transition into a CCRC that meets all your long-term needs.
