What Seniors Ask Most About Senior Living (Answered Clearly and Honestly)

Considering a move to a senior living community can raise a lot of questions. And not just for you — your friends and family may have senior living questions as well. To help you find clear answers to some of the most common concerns, we’ve compiled a list of senior living FAQ for those considering a move to a Kansas City-area community.

Future Planning

What Is a Life Plan Community?

Life Plan Communities — also known as Continuing Care Retirement Communities (CCRCs) — offer older adults a vibrant, engaging lifestyle and a full continuum of care under a long-term contract. In exchange for an entrance fee and/or ongoing monthly fees, residents gain access to a comprehensive range of services that support aging in place and provide a smart plan for the future.

Independent living vs. assisted living

Independent living describes a lifestyle designed for retired adults who want the conveniences of community life without the burdens of homeownership. Seniors who are ready to leave behind home maintenance, repairs, yard work, and other time-consuming chores can relax and focus on the activities they truly enjoy. Independent living offers a variety of residences — including apartment homes and standalone homes — along with a full range of services, amenities, and engaging activities.

Assisted living is designed for people who can live mostly independent but need extra assistance with activities of daily living, such as medication management, bathing, dressing, meal preparation, housekeeping, transportation, and other everyday needs. In assisted living, trained, compassionate staff provide individualized support designed to help each resident maintain their highest level of independence.

Cost

How much is my entrance fee?

Your entrance fee is largely determined by the size and style of the residence you choose Entry fees are also set based on contract provisions. For example, an entry fee contract in a life plan community typically funds a certain percentage discount off the standard rate of assisted living or skilled nursing care. Your contract may also provide a percentage discount on the entry fee amount upon the termination of the contract.

What does the monthly service fee include?

This varies by community. At John Knox Village, the monthly service fee covers utilities (electricity, water, sewer, and trash), cable TV and telephone, maintenance inside and out, bi-weekly housekeeping for those living in apartment homes, security, access to exercise and wellness programs, classes, social and educational programming, meal plan, scheduled transportation, concierge services, and much more.

Will it cost more than staying in my current home?

It depends. In many cases, moving to a Life Plan Community costs less over time than remaining in a traditional home — especially when you factor in maintenance, utilities, home repairs, insurance, property taxes, and future health care expenses.

Do I own my residence?

In a Life Plan Community, you don’t own your residence. Instead, you pay an entry fee upfront to secure a home in the community and to help cover the cost of your potential long-term care needs in the future.

Another reason people choose a Life Plan Community is the maintenance-free lifestyle it offers. Residents are not responsible for repairs, upkeep, or home maintenance, and they do not pay property taxes or homeowners insurance. By living in a Life Plan Community, you are also insulated from fluctuations in the housing market.

This approach allows you to simplify your life while gaining access to comprehensive services, amenities, and long-term care — all designed to support your health and independence.

Is senior living tax-deductible?

Potential tax deductions associated with a Life Plan Community may include a one-time deduction of a portion of your entrance fee and an ongoing deduction of part of your monthly fees. These amounts may be deductible as prepaid medical expenses.

For any portion of your entrance fee or monthly fee to be tax-deductible, the community must designate that amount as a prepaid health care expense. As with any financial decision, consult your tax advisor for guidance.

Lifestyle

Why choose a Life Plan Community?

Residents cite many reasons for choosing a Life Plan Community. For most, it’s about freedom from home maintenance and confidence in having a plan for the future. Common reasons people choose communities like John Knox Village include:

• Maintenance-free living: No home repairs, yard work, or unexpected maintenance costs, giving you more time to enjoy life.
• Engaging lifestyle: Access to lifelong learning, fitness and wellness programs, cultural events, and a strong sense of community.
• Security and continuity: A supportive environment that adapts to your needs over time.
• Proactive health planning: Access to assisted living, memory care, skilled nursing, in-home assistance, and short-term rehabilitation if needed.

I’m active. Why should I move to a Life Plan Community?

Choosing a Life Plan Community like John Knox Village is a proactive decision that puts you in control of your future. It allows you to create a plan for yourself and your loved ones while continuing to live the active, independent life you enjoy.

Are pets welcome?

Many Life Plan Communities consider themselves pet friendly. This includes John knox Village. Please ask about our pet policy and approval process during your visit.

What should I ask during a tour?

Here are a few important independent living questions to ask during your visit:

• Will this community meet my needs now and in the future? What on-site care options are available?
• Is the community not-for-profit or a part of a for-profit company?
• What is the community’s financial stability and ownership structure?
• What is the community’s reputation?
• Can I speak with current residents about their experience?
• How do staff interact with residents — are they friendly and respectful?
• What services and amenities are included in the monthly fee, and which are not?
• Can I sample the food?
• What off-site activities are offered, and is transportation provided?

Daily Life

Will living in a senior living community limit my freedom, privacy, or purpose?

Senior living frees you from the responsibilities of home maintenance and offers more time for volunteering, lifelong learning, outings, cultural events, personal projects, and socializing. Feel like staying in for dinner? Do it. Love shopping, sporting events, or museums? Go as often as you like. In fact, many residents report that they do more — with a wider circle of people —than they did when living at home.

Won’t I be bored in a senior living community?

Ask nearly anyone who lives in a community, and they’ll tell you they’re surrounded by interesting, lively, and engaging people. With countless opportunities to socialize, learn, and explore new interests, most residents find life far more active than they ever imagined. And if you prefer quiet time, that’s always an option. The choice is entirely yours.

About John Knox Village

John Knox Village is a leader in senior living services in Lee’s Summit and the greater Kansas City region. The community boasts a diverse range of living options from freestanding homes and apartment homes to villas. With more than 700,000 square feet of common space across the beautiful campus, you’ll find more opportunities and experiences right outside your door.

If you’re exploring Life Plan Communities in Lee’s Summit or the Kansas City, we’d love to show you all that John Knox Village has to offer. Contact us today, call (816) 251-8000 to schedule a visit, or register to attend one of our upcoming events.