Life Care: The Gold Standard of Life Plan Communities
One element that makes Westminster such an attractive senior living option is that we’re a Life Plan Community—also known as a Continuing Care Retirement Community, or CCRC. As a Life Plan Community, we offer an exceptional independent lifestyle with the convenience and peace of mind of having a full continuum of advanced care right on campus if ever needed.
Westminster’s particular type of Life Plan Community is called a Life Care Community. That’s because we offer a Life Care contract. Life Care is truly the gold standard of Life Plan contracts. Here’s why:
- Not only do you get priority access to all the advanced levels of care on our campus, but you get it for unlimited days with virtually no change to the monthly fee you pay for your independent living apartment.
- You get valuable protection against the rising cost of healthcare as you age.
- At Westminster, once you become a resident, you can remain a resident for life… even if you run out of financial resources through no fault of your own.
Entrance Fee and Monthly Fee
When you enter independent living at Westminster, you pay a one-time entrance fee (you can choose from three different entrance fee plans, explained below) and an ongoing monthly fee. The amount of the monthly fee is based on:
- The size and type of independent living apartment you’ve selected
- The number of people residing in the apartment
The monthly fee gives you all the benefits the community has to offer and assures you priority access to the higher levels of on-campus care.
A Choice of Plans and a 100% Guarantee
As mentioned, Westminster gives you the choice of three different entrance fee plans. And with our 100% Satisfaction Guarantee, if you’re not fully satisfied within your first 12 months, your entire entrance fee is refundable. Westminster is the only retirement community in Austin with a 100% Satisfaction Guarantee.
90% Return of Capital® Plan
90% of your initial entrance fee is refunded to you or your estate regardless of your length of residency at Westminster.
50% Return of Capital® Plan
Westminster is the only senior living community where 50% of your initial entrance fee is refunded to you or your estate and you still get to enjoy the many advantages of Life Care.
Standard Plan
Helps you secure your future at Westminster and the Life Care benefit with the least amount of capital investment. If you ever decide to move from the community, a portion of your original entrance fee may be refunded, depending on your length of residency.
Direct Admissions to Higher Levels of Care
While Life Care residents enjoy priority access to assisted living, memory support, and skilled nursing, Westminster also welcomes direct admissions for non-residents on a space-available basis. Private pay rates apply for direct admissions, reflecting the full value of services at current community rates.
Life Care vs. Rental Communities and At-Home Aging
When you choose Life Care at Westminster, you’re choosing more than a beautiful residence — you’re choosing clarity, confidence, and lasting value. Unlike rental senior living communities where healthcare services are billed at full market rates and lease renewals often bring unpredictable cost increases, Life Care provides a stable, predictable monthly fee that includes priority access to onsite advanced care. Plus, with Westminster’s estate-preserving contract options, you can plan ahead with true peace of mind.
Life Care offers exceptional advantages compared to aging at home, too. Instead of managing hidden costs for home modifications, private nursing, or transportation, Westminster residents enjoy maintenance-free living, robust social engagement, and convenient access to a full continuum of care—all without the risks of isolation or surprise expenses.
At Westminster, Life Care isn’t just smart financial planning. It’s an investment in your quality of life, security, and independence—today and for the future.
FAQs
Many long-term care insurance policies do not specify where you’ll receive care, so it’s important to consider both the quality and location of care you prefer in the future. Top-rated care centers often have waiting lists, which means you could receive financial benefits from your policy but still find yourself in a community that wasn’t your first choice.
At Westminster, as a Life Care Community, you have guaranteed access to a full continuum of on-site care—ranging from short-term rehabilitation to skilled nursing, assisted living, and memory care. These services are available whenever you need them, for as long as needed, with little to no increase in your monthly service fee. You’ll also benefit from familiar faces: the same trusted team you know will be there to provide your care.
In some cases, long-term care insurance policies pay a daily benefit even if you are part of a Life Care Community like Westminster. That benefit may help offset your monthly service fee. We recommend reviewing your policy with your insurance broker to confirm the details of your coverage.
A portion of your entrance fee and monthly fees may be tax-deductible as a prepaid medical expense. Consult with your personal tax advisor for details.
Yes. Westminster offers a 100% Satisfaction Guarantee within the first 12 months of residency. If you’re not fully satisfied, your entrance fee is fully refundable.
Still Have Questions?
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