but the costs of a retirement com-
munity often are hard to assess.
Military Offi cer asked two experts
about how a prospective resident
could ask the right questions to fi nd
out true costs.
Cathy Rosenbaugh-Jennings, pres-
ident of Alterna Home Solutions in
Raleigh, N.C., a certifi ed senior advi-
sor and a real estate specialist for se-
Many retirement communities
7 K H 2 D N V & R X U V H ± . L V V L P P H H ) O R U L G D
offer health care facilities, but they
RESERVE TODAY!
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often come at an additional cost.
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niors, says most independent living
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rental contracts are “pretty straight-
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3 DAYS / 2 NIGHTS
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monthly rent covers.
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But for assisted living, Rosen-
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baugh-Jennings urges applicants to
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learn whether a contractual agree-
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ment discloses specifi cs of health
care and supportive services, com-
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pletely spells out all fees, and speci-
Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions which include use of designated lenders, title companies and closing agents. Offer good for a limited time only. Developer may change home design, materials, features, amenities,
methods of construction, prices, and promotions at any time. Developer also reserves the right to withdraw any offer without notice. Availability subject to change. Photographs represent scenes and/or improvements which are not located within Solivita
®
but are representative of scenes
and/or improvements which are contemplated, proposed or can be viewed from within Solivita
®
. Photographs and lifestyle depicted are for illustrative purposes only. Ownership of a home will require the payment of additional fees, including association assessments and mandatory club
fi es in dollar amounts admission and
dues if applicable. Association assessments and mandatory club dues are subject to change from time to time. Please review all documents carefully to determine fees associated with home ownership. Golf facilities are privately owned and operated and membership and additional
I H H V I R U J R O I U H T X L U H G 3 X U F K D V H R I D K R P H G R H V Q R W J U D Q W D Q \ X V H R I R U D F F H V V W R W K H J R O I F O X E R U J R O I I D F L O L W L H V 2 I I H U V D U H S U R G X F W D Q G F R P P X Q L W \ V S H F L ¿ F D Q G P D \ Q R W E H F R P E L Q H G 6 H H \ R X U V D O H V S H U V R Q I R U G H W D L O V 9 D O X H V R Q V S H F L D O R I I H U V D U H D S S U R [ L P D W H 7 K H V H P D W H U L D O V D U H Q R W
L Q W H Q G H G D V D Q R I I H U L Q J L Q D Q \ M X U L V G L F W L R Q V Z K H U H S U L R U U H J L V W U D W L R Q D Q G R U T X D O L ¿ F D W L R Q L V U H T X L U H G D Q G Q R P D U N H W L Q J R U V D O H V O L W H U D W X U H Z L O O E H I R U Z D U G H G W R R U G L V V H P L Q D W H G L Q V X F K V W D W H V R U M X U L V G L F W L R Q V X Q O H V V V X F K U H J L V W U D W L R Q D Q G R U T X D O L ¿ F D W L R Q L V P H W : K H U H R Q O \ F H U W D L Q S U R S H U W L H V
discharge provisions. Understand
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®
: H V W & R P P X Q L W \ $ V V R F L D W L R Q , Q F 9 L O O D J H ' U L Y H 3 R L Q F L D Q D ) O R U L G D 3 X U V X D Q W W R W K H ) D L U + R X V L Q J $ F W W K L V K R X V L Q J L V L Q W H Q G H G I R U R F F X S D Q F \ E \ D W the details of policies concerning
O H D V W R Q H S H U V R Q \ H D U V R I D J H R U E H W W H U S H U K R P H D O W K R X J K W K H R F F X S D Q W V R I D O L P L W H G Q X P E H U R I W K H K R P H V P D \ E H \ R X Q J H U E X W Q R R Q H X Q G H U \ H D U V R I D J H P D \ E H L Q S H U P D Q H Q W U H V L G H Q F H 6 H O H F W K R P H V L W H V K D Y H S U H P L X P V 0 D S L V F R Q F H S W X D O Q R W W R V F D O H I R U U H O D W L Y H O R F D W L R Q
S X U S R V H V R Q O \ D Q G Q R W D I X O O G H V F U L S W L R Q R I W K H D U H D $ O O U H I H U H Q F H V W R G L V W D Q F H V D Q G O R F D W L R Q V D U H D S S U R [ L P D W H 6 R O L Y L W D
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3 U R S H U W L H V , Q F & R Q W U D F W R U 1 R & 4 D Q G 6 R O L Y L W D
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W L P H R Q O \ D Q G V X E M H F W W R D Y D L O D E L O L W \ $ L U I D U H W U D Q V S R U W D W L R Q V W D W H W D [ H V D Q G P H D O V > R W K H U W K D Q R Q H O X Q F K ` D U H Q R W L Q F O X G H G L Q W K L V R I I H U ' H Y H O R S H U L V Q R W W K H R Z Q H U R I Q R U D I ¿ O L D W H G Z L W K D Q \ R I W K H K R W H O Y H Q G R U V Z L W K Z K R P ' H Y H O R S H U E R R N V R Q refunds and transfers and whether
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D Q G L V L Q W H Q G H G W R S U R P R W H W K H V D O H R I K R P H V & R Q W D F W R Q H R I R X U 6 D O H V
government, private, or corporate
& R X Q V H O R U V I R U P R U H G H W D L O V & R S \ U L J K W ‹ $ Y D W D U 3 U R S H U W L H V , Q F $ O O U L J K W V U H V H U Y H G $ Y D W D U 3 U R S H U W L H V , Q F 9 L O O D J H ' U L Y H 3 R L Q F L D Q D ) O R U L G D $ Y D W D U 3 U R S H U W L H V , Q F 4 %
programs possibly can help cover
some of your costs.
PLACE YOUR AD IN:
Kathy O’Brien, a senior geron-
tologist with MetLife Mature Mar-
ket Institute, cautions that assessing
FOR MORE INFORMATION costs for a CCRC means an appli-
CALL (800) 234-6622 ext. 145
www.moaa.org/advertising
cant must “understand how all the
fi nancial pieces work.” Among other
7 8 M I L I T A R Y O F F I C E R M A R C H 2 0 0 9 PHOTO: SEAN JUSTICE/CORBIS
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