What is Life Care?

Life Care is a unique, proactive approach to retirement living, combining housing, recreational and social opportunities, and health care. The primary focus is on active, independent living, providing confidence that long-term care needs will be available when needed, for much less than if one entered those settings directly.

Long-term Lifestyle Approach to Health Care Planning

Our continuum of housing and health care options – including independent living, traditional assisted living, assisted living with life enriching memory care, and skilled nursing – means that the appropriate level of extra care is here when you need it, for as long as you need it.

Life Care allows for financial protection while planning for long-term health care needs. The entrance fee is 90 percent refundable, reducing risk, and the monthly fee stays the same even as you add on extra assistance and care. Also, a portion of the entrance fee and the monthly service fees may be eligible for tax deductions as prepaid medical expenses. The monthly fee includes lunch or dinner daily, weekly light housekeeping and linen service, utilities, wellness clinics, activities and care, if needed.

Answers to More Questions About Life Care

This unique retirement option raises a lot of questions. Our Director of Marketing & Sales answered many common questions about Life Care below,  or visit our FAQ page for more general questions about Kimball Farms Life Care Retirement Community.

How is Life Care different from other Continuing Care Retirement Communities and how is that different from Independent Living?

Independent Living communities are senior-friendly living complexes and offer no care, assisted living, or oversight for a monthly fee, based on unit size or location. A Continuing Care Retirement Community (CCRC), includes assisted living, memory care, and skilled nursing as part of their continuum. There is traditionally an entrance fee and a monthly fee, based on the size of the unit. Changes in levels of care will increase monthly costs as care needs increase. Life Care or Life Plan communities, including Kimball Farms, also charge a monthly fee and entrance fee, and offer a full continuum of care, however the monthly fee will remain relatively the same when/ if a resident needs additional levels of care.

I have assistance in my home now, if I move into Life Care will Kimball Farms provide those services?

If a resident requires assistance with activities of daily living, or ADLs, including dressing, bathing, grooming, meal preparation, medication reminders, or incontinence, those services are provided in PineHill Assisted Living. To be accepted into the Kimball Farms Life Care program, residents must be independent with ADLs upon move-in.

How do I get on the waitlist? And how long is the wait?

To join the waitlist, an application must be completed with which style of apartment one is interested in (two choices are allowed) and when the applicant would like to be contacted about availability. There is a fee to join the waitlist which is, in large part, applied to the final amount due at the time of move in or refunded if they change their mind and decide not to move to Kimball Farms.

When should someone consider a move to Kimball Farms?

What I tell most people is, “you will know when you are ready.” Many of our residents say they wish they had come sooner. The time to move is when you find that home ownership is becoming less satisfying and more burdensome. Plans to travel are more difficult due to the ongoing upkeep and care of the home.

How does one qualify for Life Care?

Kimball Farms does an in-depth analysis of your finances to ensure affordability. We also require a copy of your physician’s notes from a recent physical exam. Finally, we perform a cognitive assessment prior to acceptance to our Life Care program.

Can I bring my dog?

Of course! Cats, dogs, birds, are welcome! We have a variety of pets and their people living at Kimball Farms. Residents are required to be able to care for their pet including walking, feeding, and providing proper veterinary care and vaccinations.

Still have questions? Contact us to learn more about Western Massachusetts’ only Life Care community.