Extensive: Entrance fee and monthly payments cover housing, residential services such as meals and housekeeping and unlimited assisted and skilled nursing. Little or no additional fees required as one moves from one level of care to another.
Declining Refund: Option 1: Time-Sensitive - Pay lower entry fee; refund declines at rate of 4% in first month; 2% each additional month; after 4 years, no refund. Option 2: 90% Refund, Not Time-Sensitive - Pay higher entry fee; receive 90% of what you paid in. Option 3: 75% Refund, Not Time-Sensitive - Pay higher entry fee; receive 75% of what you paid in.