Active Adult Communities vs. Retirement Communities: Understanding the Difference

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As individuals approach the age of retirement, they will often explore housing options that cater to their specific needs and lifestyle. Often used interchangeably, active adult communities and retirement communities present very different opportunities for older adults. Understanding the difference between these two living options for retirees will help you make an informed decision that fits your lifestyle.

Active Adult Communities

Active adult communities are designed for individuals that are seeking an independent lifestyle. These communities typically feature single-family homes, townhouses, or condominiums. Key features of active adult communities include:

Age-Restrictions

One defining characteristic of active adult communities is the 55+ age restriction. These communities aim to create an environment where residents can enjoy an active and social lifestyle amongst their peers.  Age restrictions help ensure a sense of community and shared interests.

Lifestyle

Geared towards an independent lifestyle, these communities provide an environment where residents are encouraged to pursue their hobbies, remain active, and socialize. While some residents of active adult communities may still work, others will spend their time organizing clubs and excursions with their neighbors. These communities do not typically have dedicated staff onsite to organize outings and activities.

Services and Healthcare

Maintenance and landscaping services are commonly provided to residents in active adult communities allowing them the freedom to maintain their own home independently. Interior maintenance of the home such as housekeeping services are not usually provided and would have to be contracted out. Healthcare and support services may not be readily available in the direct vicinity of the community. Should a resident’s health needs change, they may have to consider relocating to an assisted living or skilled nursing community.

Retirement Communities

Retirement communities are designed to provide a supportive and inclusive environment by offering a range of living options and care levels. A variety services are provided to residents based on their changing needs and independence. Key features of retirement communities include:

Age Diversity

Continuing care retirement communities like Maple Knoll Village are designed to allow residents to age in place by providing all levels of care. This includes independent living, assisted living, memory care, and skilled nursing. These different levels of care allow for a diverse range of resident ages and abilities.

Engaging Lifestyle

Retirement communities employ activity staff dedicated to creating engaging activities and excursions for residents. This fosters a sense of community and belonging by encouraging residents to socialize, connect, and participate in group activities. At Maple Knoll Village, each level of care has its own dedicated activity staff ensuring activities are personalized based on individual abilities. Our residents enjoy a variety of activities and excursions such as weekly happy hours, technology classes, cooking demonstrations, and scheduled trips to art performances, museums, and restaurants.

Focus on Services and Healthcare Support

Retirement communities ensure quality care and support is provided by offering on-site healthcare services or local healthcare partnerships. Services may include assistance with daily activities, medication management, wellness programs, access to medical professionals, and specialized memory care for individuals with dementia or Alzheimer’s disease.

The nursing staff at Maple Knoll Village provide quality and compassionate care for residents with the bonus of an on-site clinic staffed by highly accredited physicians. The availability of healthcare services within the Maple Knoll community ensures that the changing health needs of residents are addressed promptly and effectively.

Retirement communities also provide a wide range of services such as: dining, housekeeping, transportation, landscaping, and maintenance. Residents of Maple Knoll also enjoy many on-site amenities including: a fitness center and indoor pool, multiple dining venues, a hair salon, technology lab, gathering spaces, and an accredited arboretum.

Making the Choice

Choosing between an active adult community and a retirement community depends on your needs and desired lifestyle. Active adult communities are ideal for those who live independent and active lives without fear of the future. Retirement communities are ideal for those who desire a supportive and inclusive community with options for different levels of care as their needs evolve.

When considering your retirement living options, it’s important to carefully consider factors such as lifestyle, healthcare requirements, and long-term goals. Touring different communities, talking to current residents, and consulting with loved ones can help you make an informed decision that aligns with your vision of a fulfilling retirement. To schedule a tour of Maple Knoll Village, please visit www.mapleknoll.org or call 513-782-2717.

Common Financial Scams that Target Older Adults

According to the FBI Internet Crime Complaint Center (IC3), over 88,000 individuals ages 60 and up reported they were victims of an internet scam in 2022. This was a drastic 84% increase compared to 2021 reports, and monetary losses totaled over three billion dollars, the highest monetary loss compared to all other age groups.

As the number of financial scams targeting seniors continues to rise, it is important to educate yourself and your loved ones on common scams to protect yourself against them. Some of the most common financial scams that target older adults include sweepstakes scams, robocall scams, and impersonation scams.

Sweepstakes Scams

One of the most common types of financial scams, sweepstakes and lottery scams tend to follow a similar script. The scammer will call or email an older adult notifying them that they have won a prize of some sort. The catch is that the scammer will claim that to receive their winnings, the older adult must cover taxes or shipping fees by sending them gift cards or money up front. This can result in the older adult losing hundreds, if not thousands of dollars. Any type of request to send someone money to receive a prize should be considered a red flag. If you find yourself on the receiving end of what you suspect is a sweepstakes scam, hang up and consult with a trusted friend or loved one before complying.

Robocall Scams

With the development of modern technology, robocall scams have become increasingly sophisticated in recent years. Scammers can disguise the number they are calling from, making it seem that it is from a reputable organization. Some robocall scams will claim that your car payment did not go through, and immediate payment is required to prevent your car from being repossessed. Other robocall scams may claim they are from a law enforcement agency and request that you pay a fine otherwise you will be sued or arrested. If you ever receive one of these calls, it is important to contact local law enforcement to report the call and confirm if the information is true before taking any action.

Impersonation Scams

Scammers will often use a fake caller ID or email to pretend to be someone they are not such as your bank, utility company, or a government agency. They will use various high-pressure tactics to trick you into giving up information by playing on your emotions. They may claim that there has been fraud detected on your account or threaten you with legal action if you do not comply with their requests. While these tactics can certainly be scary, it is important to pause and evaluate the situation before reacting. If it seems abnormal for the company to contact you in this way or you were not expecting this type of phone call, do not give them any personal or financial information and hang up. If you think it might be a real phone call, it is still important to be cautious. Tell them you will call them back and hang up. Look up the customer service number for the company they are claiming to be from and give them a call to see if the request was legitimate.

Another type of impersonation scam that has become increasingly common is the “grandparent” scam. These phone calls can be especially scary as the scammer will call pretending to be the older adult’s child or grandchild. They may claim to be in trouble, in jail, or even kidnapped and will often demand you send them a gift card or money transfer. They may also demand that you keep this information private and request that you do not contact the authorities or your family about the situation. If you receive a phone call like this, it is only natural for you to feel scared and protective. However, it is extremely important to be careful and smart about how you respond. One way you can determine if it is actually your child or grandchild is by asking questions only, they would know the answer to. For example, if your child or grandchild does not have a brother named Ted, ask the caller if they have contacted their brother Ted. If they do not point out that they do not have a brother named Ted, you will know it is not your loved one. If you do fear that the phone call is real and your loved one is in danger, do not agree to send money and call the authorities immediately.

Scams can and do happen to anyone. They are designed to make us fall for them and can be incredibly sophisticated. Educating yourself and staying cautious are the best ways to protect yourself from scammers. Reputable organizations will never request gift cards as a method of payment, and you should never provide personal or financial phone via text or email.

Resources such as AARP, the National Council on Aging, and Ohio Department of Aging all provide great information and tools for protecting yourself against scams. If you feel you may have been the target of a scam, immediately report it to the Ohio Attorney General’s Office.