Life Plan Community

Interested in the Benefits of Each Type of Life Plan Community?

Friends House is a Type-C Life Plan Community – but what does that mean exactly? 

Here’s a breakdown of the different types of Life Plan Communities – also known as Continuing Care Retirement Communities or CCRCs – you’ll find on your search for the perfect community for active older adults, whether you’re seeking assistance with activities of daily living (ADLs), the newest methods in dementia care, effective rehabilitation therapies, or dedicated long-term care. Such services are available at any Life Plan Community. 

It’s the how that’s important to identify and compare.

How Life Plan Communities Break Down

At Friends House Retirement Community, we like to think of ourselves as your trusted resource for senior living. We can help your loved one make the best, most informed decision for your needs. Life Plan Communities like ours are most beneficial to older adults who can enter as an independent living resident and then utilize higher levels of care (Assisted Living, Skilled Nursing or Rehabilitation) as needed over time.

Life Plan Communities break down into three types of contracts that are based around how high levels of care are covered or paid for: Type-A, Type-B, and Type-C contracts.

Type A: Life Care Contracts

In a Type-A Life Plan Community, seniors pay a sizable entrance fee upfront in order to keep any potential health-related services and care level costs steady and predictable in the future. In this way, Type-A contracts provide a sense of security and peace of mind; residents might pay a higher entrance fee and monthly fees, but if their needs were ever to suddenly increase, they would have access to all the services and care they need with little to no increase in their monthly fees. On the other hand, with a Type-A contract you are, in a sense, prepaying for care you may or may not need in the future. 

Type B: Modified Contracts

With a Type-B modified contract, seniors have the option of some of the security of a Type-A contract and some of the freedom of Type C. Unlike Type A, a Type-B contract does not cover all future health services at a flat rate – but it does offer discounted or waived rates for higher care levels. By taking this middle road, Type-B Life Plan Communities can offer seniors a lower entrance fee than Type A; however, if their needs were to suddenly increase, it would be their responsibility to cover any costs for new or higher levels of care after discounts are applied.

Type C: Fee-for-Service Contracts

Like both Type A and Type B, Type-C contracts cover standard costs – such as housing, access to residential services and amenities, and basic health care – but higher levels of care and services are exactly like they sound: pay as you go. While this might present some risk for large fees if a resident requires advanced and expensive care later in life, Type C contracts allow residents some personal financial freedom and are more accessible to individuals who do not have the benefit of a considerable retirement fund to pay a high Type-A entrance fee.


Friends House offers higher levels of care using a Type-C fee-for-service model that allows more seniors access to our community.

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