Receive Care for Life with CCAH

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Continuing Care at Home (CCAH) is a new concept in retirement living services for seniors. Like a continuing care retirement community (CCAC), CCAH allows subscribers the security of knowing that any level of care they should need in the future will be provided for. However, unlike a retirement community, CCAH services allow seniors to remain in their own homes-in a comfortable, familiar environment.

CCAH companies provide subscribers with a care coordination service, in-home caregivers to perform the services of an assisted living or nursing facility should they be necessary, and providers for routine home maintenance. The goal of the CCAH provider is to help their subscribers maintain their independence in their own homes for as long as possible.

This unique housing option is designed for seniors age 60 or over with moderate to high incomes, who are currently living independently in their homes. Subscribers will pay a one-time entrance fee and monthly premiums. In return, they will receive long-term care services in their own homes.

While these services are relatively new, they are beginning to come under state regulation. For instance, in Maryland, CCAH providers are regulated. According to the Maryland Department of Aging’s website, “CCAH providers must meet the same requirements as CCRCs, including approval of a feasibility study, and review and approval of the language contained in the CCAH contract.”

In addition to looking for companies that are regulated by your state government, it is a good idea to consult with a qualified, elder law attorney and a financial advisor before signing a CCAH contract. You can request a copy of the Maryland State regulations for CCAH providers by completing a request form at www.mdoa.state.md.us.

Adapted from the Marlyand Department of Aging’s website: www.mdoa.state.md.us.

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