Retirement community

A retirement community is a housing complex designed for older adults who are generally able to care for themselves; however, assistance from home care agencies is allowed in some communities, and activities and socialization opportunities are often provided.[1] Some of the characteristics typically are: the community must be age-restricted or age-qualified,[2] residents must be partially or fully retired,[3] and the community offers shared services or amenities.[2]

There are various types of retirement communities older adults can choose from, and new types of retirement communities are being developed as the population ages. Examples of retirement community types include:

Retirement communities are often built in warm climates, and are common in Arizona, California, Florida, and Texas, but they are increasingly being built in and around major cities throughout the United States. Youngtown, Arizona, established in 1954, was the first age-restricted community. Del Webb opened Sun City, Arizona, with the active adult concept, in 1960.[6] In 2011, The Villages, Florida is the largest of these communities.[7] While new retirement communities have developed in various areas of the United States, they are largely marketed to older adults who are financially secure. Lower income retirement communities are rare except for government subsidized housing, which neglects a large proportion of older adults who have fewer financial resources.[8]

Continuing Care Retirement Communities

The term Continuing Care Retirement Community (CCRC) is the primary term for a major part of the retirement scene, in books, magazines, accreditation and legislation, in parallel with the categorization just presented. A typical definition, from a New York Department of Health website [9] is "Continuing care retirement communities (CCRCs) and fee-for-service continuing care retirement communities (FFSCCRCs) are residential alternatives for adults that offer, under one contract,[10] an independent living unit (an apartment or cottage), residential amenities and access to a continuum of long-term care services, as residents' health and social needs change over time." The accrediting agency CCRC/CARF uses the term CCRC with the same meaning.

In 2010, over 2,000 CCRCs existed in the United States with an estimated 640,000 residents. The popularity of CCRCs is increasing, as the number of older adults in such retirement communities has more than doubled during the last decade.[11] The primary benefit of the CCRC model is that it allows people to age in one community even if they need additional healthcare services with time.[12] Additionally, CCRCs embody a general sense of community and offer peace of mind for couples with the assurance that they will always be near each other, even if one spouse needs more care.

There are three levels of care in most CCRCs, where as residents' health needs increase, they will transition from one level to the next. The levels are:

  1. Independent living, in which residents live on their own and have access to a wide array of amenities
  2. Assisted living, which provides help with daily tasks such as bathing and dressing
  3. 24-hour nursing home-style care.

Most CCRCs include an entrance fee and a monthly fee, and these costs vary widely depending on several factors: the luxuriousness of the facility, the size and type of housing unit, whether the person enters alone or with a spouse, and how much future care is covered. Fees tend to be expensive and usually do not include additional services such as phone and television. Additionally, residents should plan on a 3-6% increase in monthly fees each year.

CCRC's usually offer various payment plans, which are listed below:[13]

  1. Life care: Residents pay a large entrance fee (average $270,000) and pay a set monthly fee (average $2,750) that does not increase if additional healthcare is needed
  2. Modified: Residents pay a lower entrance fee (average $239,000) and their initial monthly fees (average $2,400) cover a certain amount of higher-level care. The monthly fees rise when further care is needed (assisted living average $4,400; nursing care average $8,200).
  3. Pay as you go: Residents pay a lower entrance fee (average $238,000), but initial monthly fees (average $2,000) increase when additional care is needed (assisted living average $4,300; nursing care average $7,700)

One risk of entering a CCRC is that most will refund only a portion or none of the entrance fee if a resident chooses to leave the community. The same refund policies exist when a resident passes away. Persons considering moving into a CCRC may wish to research existing CCRCs before committing to one.[14]

Elder/Senior cohousing

Elder cohousing, also known as senior cohousing, is a living arrangement in which multiple individually owned housing units are oriented around a common open area and a common house. Residents actively cooperate to live in a neighborhood characterized by socialization and mutual support.[15] The idea for elder cohousing originated in Denmark, where intergenerational cohousing was successfully implemented; intergenerational housing communities are planned, owned, and managed by the residents, who all share in many daily activities together.[16] This idea spun off the idea of an age-specific cohousing model for active elders, in which community designs permit easy access for all levels of physical ability. There may also be options to include studio residencies in the common house to provide living quarters for home health aids, whose services may be shared by several residents.[17]

To be considered a "cohousing community" the following six defining characteristics must be present:[18]

  1. Participatory process- the future residents participate in the design so that it meets their needs.
  2. Neighborhood design- the physical layout and orientation of the buildings encourage a sense of community
  3. Common facilities
  4. Resident Management
  5. Non-hierarchical stricture and decision making
  6. No shared community economy

Age requirements

At least 80% of the units in the community must include an individual aged 55 or older, to meet the age requirements to qualify as "senior housing".[19]


As previously stated, the cohousing living model was first observed in Denmark. There, the communities are known as bofoellesskaber, which translates to "living communities".[20] K. McCamant and C. Durrett coined the term "cohousing", and launched it in the United States in the 1970s.[21] Since its introduction to the U.S. intergenerational cohousing communities have been developed in at least 21 states.[22]

Niche retirement communities in the United States

Niche retirement communities target retirees who "share a common interest, hobby or trait".[23] By 2011, niche retirement communities or "niche senior communities' - known as "'affinity' retirement communities" by industry professionals - [24] had become "one of the biggest trends in retirement living."[23] These communities attract those over 55 who want to be in communities of like-minded individuals from the same ethnic background (for example, Aegis Living for Asian-Americans in Fremont, California or first-generation Indian immigrants (55-and-over) in Tavares, Florida, in the Greater Orlando area, Lake County, Florida), sexual orientation (RainbowVision in Santa Fe, New Mexico, or for those who share an interest such as academia and lifelong learning (in dozens of university-based retirement communities (UBRC) for example at Eckerd College, Holy Cross Village at Notre Dame, Indiana), Penn State University, Stanford University, University of Florida, creative expression and artists (for example the Burbank Senior Artists Colony, the Long Beach Senior Arts Colony, Meta Housing and EngAGE in California[25]), astronomers, golf, RV aficionados (Escapees CARE center in Livingston, Texas)s, veterans, vegetarians, fans of Big 10 football games and country music (Nashville, Tenn)."[23][24][26]

In the United States alone there are approximately 80 million people who were born between 1946 and 1964 - the baby boomers - who control about $25 trillion in wealth.[26] By 2011 there were already over 100 niche communities.[24][27]

Andrew Carle, founding director of the Program in Senior Housing Administration at George Mason University, Fairfax, Virginia observed that the baby boomers "... set the record for embracing fad products, and that'll likely translate over into the niche retirement community as well...targeted toward people with specific interests and backgrounds, from Big 10 football games and country music to gay-friendly lifestyles."[23][26]

In Florida alone there are niche retirement communities for Polk County retired letter carriers (which was union-built); for car buffs and RVers, such as Lake Weir Preserve in Marion County; for first-generation Indian immigrants (55-and-over) in Tavares, in the Greater Orlando area, Lake County, Florida. The Villages, in Sumter County, Florida- Florida's most well-known and fastest-growing retirement community development[28][29] is the state's "biggest example of a culturally and ethnically homogeneous retirement community"[27] with a 98.4% white population.[30] The Villages, a gated community with low crime rates,[31] offers "free golf for life" on their executive golf courses.[32]

Colleges have created options for retired alumni who enjoy campus life, for example, at the University of Florida in Gainesville and Eckerd College in St. Petersburg's College Harbor Retirement Community, with its Academy of Senior Professionals.[27]

There are downsides to living in niche retirement communities.[23] According to research by Harvard Law professor Cass Sunstein, "[p]eople who surround themselves by like-minded people are more likely to become more extreme in their views.[23][33] Sunstein observed increasing polarization in the United States in "ideologically-homogeneous communities" where groups composed of exclusively like-minded people isolate themselves from the wider, mainstream community and have limited exposure to alternative viewpoints.[33] Carle also noted that residents in affinity communities can get burnt out with their life centered around what was once a favorite hobby.[23]

LGBT retirement communities in the United States

Currently, there are over 3 million Lesbian, Gay, Bisexual, Transgender (LGBT) persons over the age of 65 in the United States, and this number is estimated to rise to 4 million by the year 2020. LGBT elders face many additional issues concerning their future retirement plans and their choice of a retirement residence. Approximately two-thirds do not have children, and up to one-half live alone, so LGBT persons may have a lack of support in their retirement years.[34] Since LGBT couples are often not legally recognized, spouses are often excluded in late-life decisions, inheritance claims, and spousal pension and social security plans.[35] Several healthcare concerns exist for older LGBT adults, including increased incidence of illness and disease, lack of disclosure about sexual orientation to health providers, and lack of support for individual needs. And LGBT persons have increasing concern about discrimination as they age and fear that most retirement communities do not recognize the special needs of LGBT elders or offer supportive services;[36] one study found that LGBT persons are least likely to choose a retirement community as a residence due to fears of unmet needs and heterosexism that occurs in many retirement communities.[37]

Naturally occurring retirement communities

The NORC model allows people to retire in their existing homes and encourages communities of seniors to band together to provide mutual assistance.[38] NORCs can be very effective mechanisms to identify populations of people who need government-provided services and then provide those services in cost-effective ways. They may serve people of all income levels, e.g., those who get together to furnish cost-effective transportation services; they may involve low-income residents receiving a richer mix of public services through a NORC model; or they may serve relatively affluent households and charge $1,000 or even more in annual dues to support staffers who provide a rich variety of support services and cultural enrichment activities.[39]

Best places to retire lists

A number of publishers have created lists of the 100 best retirement communities or "100 best places (or towns) to retire".[40] For the most part these lists are helpful in terms of finding desirable communities to live in. The extent to which desirable amenities are "priced" in labor markets (lower wages in nice places) or housing markets (higher housing prices in nice places) will have a large impact on their appeal elderly retirees who no longer have to pay in the labor market.[41] One drawback to these lists is that these communities often become more expensive as a result of their popularity.

Some non-U.S. retirement communities



In India, the traditional family system in which elders would be cared for by their children has collapsed, and a new generation of elders who value their independence has evolved. This has necessitated the development of retirement homes and communities in India. In response, one recent trend beginning to emerge in the Indian retirement industry is the "retirement resort": a long-term rental unit within a resort-like community that features many of the amenities of a traditional vacation resort.

Spanish Canary Islands

Sun Park Living, with its holiday retirement complex in Lanzarote, is credited with the coming together of Senior Living & Senior Travel.

United Kingdom

In the United Kingdom retirement villages have become increasingly prevalent; according to a BBC report of August 2009, there were approximately 25,000 people across the UK living within a retirement village model at that date.[46] Another growing trend, witnessed recently, is the emergence of Holiday Retirement Community Living.

Models vary, from local authority funded and charitable schemes such as Hartrigg Oaks in York, led by the Joseph Rowntree Trust,[47] to privately funded projects such as Roseland Parc in Cornwall by Retirement Villages Ltd, Fleet house retirement village in Devon, and Boughton Hall in Chester.

Retirement Villages Ltd opened their first scheme in the UK over 25 years ago, so the model is not actually new to the UK. There is now an umbrella organisation called the Association of Retirement Village Operators UK (ARVOUK) working to collaborate thinking and best practice in this popular retirement homes market.[48]

In popular culture

See also


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  2. 1 2 Saisan, J.; Russell, D. (February 2012), Independent living for seniors: Understanding your choices in retirement facilities and homes,, retrieved 6 May 2012
  3. 1 2 3 Senior Living Communities,, 2011, retrieved 6 March 2012
  4. 1 2 "Independent Living Housing Options". Full Circle Care. 2010. Retrieved 6 March 2012.
  5. 1 2 Sreib, G. (2007), Retirement Communities,, retrieved 6 March 2012
  6. "Second Home Buying: Glossary of Terms". October 2010. Retrieved 4 November 2011.
  7. Trolander, Judith Ann (2011). From Sun Cities to The Villages: A History of Active Adult, Age-Restricted Communities. University Press of Florida.
  8. Salkin, P. (2009) [15 December 2008]. "A Quiet Crisis in America: Meeting the Affordable Housing Needs of the Invisible Low-Income Healthy Seniors". Georgetown Journal on Poverty Law Policy. 15.
  9. Continuing care
  10. "Retirement Village Contracts Explained". Village Lifestyle Park.
  11. Shippee, T. (2012). "On the edge: Balancing health, participation, and autonomy to maintain active independent living in two retirement facilities". Journal of Aging Studies. 26 (1): 1–15. doi:10.1016/j.jaging.2011.05.002.
  12. Brecht, S. B., Fein, S., & Hollinger-Smith, L. (2009). "Preparing for the Future: Trends in Continuing Care Retirement Communities". Seniors Housing And Care Journal. 17 (1): 75–90.
  13. Gengler, A.; Crews, V. (2009). "Live Like Us". Money. 38 (3): 86–91.
  14. "Research". SnapForSenior.
  15. Durrett, Charles (2009). The Senior Cohousing Handbook:2nd Edition. Gabriola Island, Canada: New Society Publishers. ISBN 978-0-86571-611-7.
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  17. "What is elder or senior cohousing?". Retrieved 25 February 2012.
  18. "Characteristics of Cohousing".
  19. "What Is the 80/20 Rule in Active Adult Communities?".
  20. "Cohousing: Real Estate Wave of the Future". Retrieved 2 March 2012.
  21. "Elder Cohousing".
  22. Glass, Anne (2009). "(article)". Journal of Housing for the Elderly. 23: 283–303.
  23. 1 2 3 4 5 6 7 Hill, Catey (22 June 2011), "A Retirement Made for You (and People Just Like You", Market Watch
  24. 1 2 3 Stevenson, Sarah (21 January 2014). "The Rise of Niche Senior Living Communities". California: Senior Living Blog. Retrieved 20 January 2016.
  25. Ecker, Elizabeth (20 November 2013). "Developer Looks to Expand on Success of Artist Niche Senior Living". California: Senior Housing News. Retrieved 20 January 2016.
  26. 1 2 3 Umberger, Mary (3 June 2011). "The next generation of retirement centers: Niche communities target like-minded boomers". Chicago Tribune. Retrieved 20 January 2016.
  27. 1 2 3 Martinez, Amy (December 2015), "Enclaves: around Florida, some retiree communities are giving new meaning to the word 'niche'", Florida Trend via Gale, retrieved 20 January 2016Gale No.=A436438048
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  29. Show, Christine (October 5, 2008). "Villages' Morse acts as magnet for GOP". Orlando Sentinel. Retrieved 5 June 2012.
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  31. Hudak, Stephen (28 October 2007). "Trial begins in killing of Villages woman". Orlando Sentinel. Retrieved 4 November 2007.
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  33. 1 2 Sunstein, Cass R. (13 May 2009), Going to Extremes: How Like Minds Unite and Divide, Oxford University Press, p. 208, ISBN 9780195378016
  34. de Vries, B. (2005). "Home at the end of the rainbow". Generations. 29 (4): 64–69.
  35. Zdychnec, L. (2011). "Essential Elder Law Planning for LGBT Clients". Elder Law Report. 22 (7): 1–5.
  36. Comfort, J. & Freijah, R. & Horner, B. & McManus, A. & Lovelock, G., & Hunter, M. (n.d). "We Don't Have Any of Those people Here ...". HIV Australia. 8 (3): 26.
  37. Neville, S., & Henrickson, M. (2010). "'Lavender retirement': A questionnaire survey of lesbian, gay and bisexual people's accommodation plans for old age". International Journal of Nursing Practice. 16 (6): 586–594. doi:10.1111/j.1440-172X.2010.01885.x
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External links

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