Answers to Your Questions.
Put Your Mind at Ease.
“The key thing around Harrogate is the positive attitude people have.”
- Jackie P., resident since 2010
We want everyone to feel positive about a decision to live at Harrogate, so we’re always eager to answer your questions. Here are some of the most common ones we hear. But call 732-719-0455 or contact us with any question you have.
Harrogate is a Continuing Care Retirement Community (CCRC) with 275 independent living apartment homes, nestled among 47 wooded acres in the heart of Ocean County. In addition to independent living apartments, we offer home health care and skilled nursing — all under one roof! A distinct difference we provide to all our residents is true Life Care.
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 homeownership, 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.
As a resident, a portion of the fees you pay to the community can be claimed. These fees include both the upfront, on- time entrance fee as well as the monthly fee. The IRS has ruled that a percentage of the entrance fee and monthly fee is deductible based on the medical expenses of the community. As with any tax matter, we recommend that you consult your tax advisor about this deduction.
Once you move to Harrogate, you may no longer need a long-term care insurance policy. Do not cancel this policy until we have had a conversation about the benefits of these policies, and you have physically moved into the community. Sometimes the benefits outweigh the costs. After careful consideration,you will be the one who ultimately determines what to do with your policy.
There are more than 30 amenities and services included in Harrogate’s monthly fee. Click here to view a sampling.
The criteria are three simple components: age, financial and health.
Residents at Harrogate can be as young as 62 and each resident will go through a financial and medical screening process. Our Life Care Consultant can review the specifics with you.
No, you sign a Life Care contract with a one-time entrance fee, which guarantees you a continuum of care. It is not a deeded property, but rather a life-time lease.
With the Harrogate Life Care contract, you pay an upfront, 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.
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.
While other communities offer Life Care contracts, we are a true Life Care community, and all our 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.