Senior Habitation Definitions

What is a Senior Community?

Senior Apartments – fit our Senior Assurance Insurance Programs

Senior apartments are multifamily residential properties for persons age 55 years or older. Senior apartments do not have central dining facilities and generally do not provide meals to residents, but many offer community rooms, social activities, and other amenities.

Independent Living Communities – fit our Senior Assurance Insurance Programs

Independent living communities are age-restricted multifamily properties with central dining facilities that provide residents as part of their monthly fee with access to meals and other services such as housekeeping, linen service, transportation, and social and recreational activities.

Assisted Living Residences – fit our Senior Assurance Insurance Programs

Assisted living residences are state regulated properties that provide the same services as independent living communities, but also provide supportive care from trained employees to residents who are unable to live independently and require assistance with activities of daily living (ADLs) including management of medications, bathing, dressing, toileting, ambulating, and eating.

Alzheimer’s/Dementia Care Facilities

These are state licensed settings that specialize in caring for those afflicted with Alzheimer’s disease and/or related dementias.

Continuing Care Retirement Communities (CCRCs)

Continuing care retirement communities (CCRCs) include a combination of independent living, assisted living and skilled nursing services (or independent living and skilled nursing) available to residents all on one campus. Resident payment plans vary and include entrance fee, rental, and condo/coop programs.

Call (866) 916.9752 and ask for Habitational Underwriting if you have specific submission questions.

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