Broker Check

Questions to ask Continuing Care Facilities

October 03, 2023

When it comes to choosing a continuing care facility for yourself or a loved one, it's important to do your research. One of the most important steps in the process is asking the right questions. By asking the right questions, you can get a better understanding of what the facility offers and whether it's a good fit for your needs. In this article, I will provide a list of questions that you should consider asking a continuing care facility before making your final decision.

Our list of questions is divided into three categories: financial, facility, and values. Financial questions are important because they help you understand the costs associated with the facility and whether it fits within your budget. These questions also allow you to get an idea of the facilities financial health. Facility questions are important because they help you understand the amenities, services, and care options that the facility offers. Finally, value questions are important because they help you understand the values and mission of the facility, which can help you determine whether it's a good fit for you or your loved one. By asking questions in each of these categories, you can get a more complete picture of the facility and make a more informed decision.

Questions to Ask Continuing Care Facilities


  • Ask to look at the facility’s financial records. (Do they have a large amount of debt? Does the facilities debt exceed their assets?)
  • What is the entrance fee and is it refundable? How much is refundable and what are the conditions?
  • What is your operating ratio?
  • Do you have a Cash Flow statement?
  • What are their monthly fees and what do those fees cover? What will cost extra?
  • How have your monthly rates changed over the last 5 years?
  • What happens if I run out of money while living at the facility?


  • What is the average age of the residents who are in the continuing care facility?
  • Are personal belongings allowed?
  • What is the process if one spouse needs a different level of care than the other?
  • What is the occupancy rate? (An ideal facility would have an occupancy rate of 85% or higher)
  • What health services are included/available?
  • Do you have staff on site 24/7?
  • What activities are available?
  • What are your staffing ratios?


  • How does your community welcome a new resident?
  • What voice do your residents have?
  • How do you track residents’ happiness?
  • How do you foster a sense of community?
  • What can a resident do if they have a complaint?
  • How experienced is your management team and board of directors?
  • What kind of training does your team undergo?


Remember, choosing a continuing care facility is a big decision, and it's important to take your time and ask the right questions. By doing so, you can ensure that you or your loved one receives the care and support they need. If you have any questions about continuing care facilities, or where to begin looking for one, please feel free to reach out to Harford Financial Group.