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Americans Risk Losing Life Savings When Retirement Homes Go Bust - Bloomberg

“They spend a bunch of that upfront fee and then they don’t have the cash reserves that they need for the long-term care,” said Jack Barker, a former McKinsey & Co. partner and former principal at the Carlyle Group who has studied CCRC finances. Residents “are taking major league credit risk on those fees and nobody really likes to talk about that.” To be sure though, CCRCs that have filed bankruptcy are just a fraction of the roughly 1,910 facilities in the US. And it remains rare for residents to be displaced and lose their entire entrance fee in a bankruptcy. In some cases, though, residents have been left with as little as 25 cents on the dollar. “Ideally, they don’t discharge the obligations to the residents for refundable fees because it’s very hard to attract new residents when that has happened,” said Katherine Pearson, a law professor at Penn State Dickinson Law.

#retirement #CCRC - bloomberg.com

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