“Timing is everything, come and enjoy it!”
– Bruce S., resident since ‘08
Get in Touch. We’ll Touch Your Heart. Call 732-942-5272.
Learn about the beauty and value of Harrogate. Please contact us with your questions. We are happy to help.
Harrogate: 400 Locust Street, Lakewood, NJ 08701
Sales Office - For information/schedule a tour
Resident - To contact a family member or friend
Careers - For career opportunities
Vendors - For sales inquiries
Helping Your Parents? Find Answers Here
- How do we bring up the subject?
- They Say They're Not Ready Yet.
- Why Consider a CCRC?
- They're Concerned About Finances.
- They Have Health Issues.
- What is Life Care and Why Should it be Important to Me?
- How does the Harrogate Life Care Contract Work?
- Why is Harrogate's Life Care Contract Unique?
- Will Our Parents Be Happy Here?
- They're Afraid They'll Age More Quickly.
- Why Do Other Parents Choose a CCRC?
- They Hate the Hassle of Selling and Moving.
How do we bring up the subject?
Take it from experience.
The sooner you start talking about retirement options, the better—no matter what you and your parents decide.
Do it while they’re healthy and can enjoy community life, before a health problem forces you to make a move under duress.
Do it while you have time to plan a comfortable transition, so you don’t have to rush with downsizing, selling the home or making the move.
Do it before a small health problem turns into a difficult and costly one.
“I always say, we should have done this five years ago!” - Frank M.
They Say They're Not Ready Yet.
Are they ready to give up household chores, property taxes, home repairs and the other things that eat their time and drain their money?
Are they ready to enjoy friends, fine cuisine, fascinating learning opportunities and travel?
Are they ready to make a concrete plan for their health care, so that you—their children—don’t have to shoulder the full burden of caregiving?
Are they ready to protect their assets from an unplanned health crisis?
“When people tell me they’re not ready, I think, ‘what are they waiting for?’ It’s just so wonderful!” - Florence B.
Why Consider a CCRC?
Read a Son's Story.
I didn’t know.
My parents summered in New England, wintered in Florida, and traveled all over with friends. During 65 years of marriage, they saved and invested prudently. They thought life would go on like that forever.
Then my father developed Parkinson’s. He had their house adapted for his growing mobility problems, including a custom staircase elevator that cost more than $30,000. (It also cost a small fortune to remove it when we had to sell the house.)
I didn’t know that his increasing inflexibility—especially about leaving the house—was the beginning of dementia.
By the time it became clear, we were under the gun. We had to place him in a dementia care unit. The house was too much for my mother, even with help. We had to sell it under duress and place her in a senior apartment on the other side of town.
For the first time in their marriage, they were apart. And my life became a daily shuttle from one parent to the other, taking each to a host of doctors, lab tests and social workers. The times they even saw each other grew farther and farther apart.
They had planned for a life together. They didn’t plan on spending down their assets on two separate facilities. My father’s long-term care alone ran more than $12,000 a month. In his last year of life, he’d apologize over and over for the burden he placed on me. He’d say, “You’re my father now.”
When we made all these 11th hour decisions, I didn’t know what a continuing care retirement community was. I didn’t know how it could have kept them closer, provided ongoing care and protected their assets. I didn’t know how much help was ready and waiting.
I know now.
They're Concerned About Finances.
Get the facts:
All residents enjoy the financial benefits of the Life Care plan which protects their assets from the ever-rising cost of health related stays in a skilled care environment. Therefore, their costs are both predictable and controllable and afford them the luxury of avoiding the spike in costs for long-term care. Life Care can also provide a substantial income tax deduction.
Entrance fees provide residents with options and flexibility so they can choose a plan that meets their financial picture. They are determined by the size of residence you folks want and which Life Care contract they select. Harrogate offers three different refundable choices: Return-of-capital plans which refund either at 90% or 50% of their original entrance fee or a declining/traditional plan.
Talk with us at 732-719-0455 so we can design a plan that answers your family's concerns and meets their goals.
“We did an extensive investigation and Harrogate was the best financial deal by far.” - Ched C., former financial planner.
They Have Health Issues.
What is Life Care and Why Should it be Important to Me?
Life Care is a contract that provides all the services and amenities of resort style living, with priority lifetime access to our complete continuum of care. Life Care is a way to free yourself from the chores and responsibilities of home ownership so you can spend more time enjoying the things you love to do. It’s a way to give your family the reassurance that you’re enjoying life, surrounded by friends and always close to any care you might need. Life Care alleviates the concern of becoming a burden to your children or aging among strangers. It prevents you from having to make an impulse decision about your future under duress, if/when a health crisis strikes. It protects your assets and reinforces your financial security.
How does the Harrogate Life Care Contract Work?
With the Harrogate Life Care contract, you pay an up-front, one-time entrance fee for your selected apartment home. Then, you pay a monthly maintenance fee for ongoing services and amenities, including unlimited use of our Health Care Center.
Your monthly fees remain stable and predictable, with minor fluctuations for inflation and operational costs. You do not pay a higher fee when you need a higher level of care.
Compare Life Care security to the alternative: paying the rising cost of long-term care as health care needs increase. Life Care provides you with a fulfilling independent lifestyle, asset preservation for your estate, protection from expensive, pay-as-you-go long term care, and the security of a full array of health care services, if ever needed.
Why is Harrogate's Life Care Contract Unique?
While other communities offer Life Care contracts; we are a true Life Care community and all of your contract options include unlimited use of our Health Care Center. Because all options include Life Care, there are additional financial benefits at Harrogate that are second to none.
Will Our Parents Be Happy Here?
Listen to Their Neighbors.
They're Afraid They'll Age More Quickly.
Science Says Otherwise.
Research at top universities, including Harvard and Tufts, proves that people can gain strength and energy at any age—even in their 90s.
Socialization and intellectual stimulation help sharpen their cognitive powers.
In a community setting, they get personal fitness instruction, the best possible nutrition and guidance for wellness, day after day.
Perhaps most important, they are surrounded by caring friends, both residents and staff, who share laughter, lively conversations and new experiences.
Isolation, inactivity and poor eating habits speed up the aging process. Community life is rejuvenating.
People who move to a retirement community say they wish they had done it five years sooner!
Why Do Other Parents Choose a CCRC?
They'll Tell You.
“We knew if one of us were left, the other would be taken care of. This would be the perfect place. That was a great comfort to my children and myself, because I didn’t have to worry about all the things you have to worry about if you’re alone in a house. And you have your friends here.” – Florence B.
They Hate the Hassle of Selling and Moving.
We have a powerful program through PearcePlus Senior Services, our Move-In transitional experts, who offer a full range of services for a seamless sales and transition process: everything from assessing the true value of a home to sell, finding the right realtor and organizing the logistics to help sell the home, downsize, declutter, stage, etc. - all with companies we trust.
They help people make smart moves in today's real estate market.
What's more, through another partner, Elderlife Financial Services, we offer an innovative financing program that helps take the pressure off selling a home. Elderlife additionally can assist with information on insurance policies and little known but available Veterans benefits for seniors and/or their spouse.
Call us at 732-719-0455 and inquire about either of these partners providing solutions - at no cost to your parents!
“The move went like clockwork, from start to finish. The Harrogate staff and the movers took care of everything—even hanging our pictures!" - Roberta M.
For more pertinent FAQs please click here.