Fair enough, but all of the Type B or Modified B or C contracts in my neck of the woods keep monthly maintenance fees the same whether in independent living, assisted living at the unit, LTC with skilled nursing care on a campus center. The only difference for the most part in the Type B or C contracts is that the per diem cost of LTC replaces the monthly maintenance fee for independent living. On the one hand, the Type A contract absorbs the potential cost of LTC by having highly inflated entrance fees, LTC you may never need like claims never advanced under a LTCi policy. On the other hand, a Type B or Type C contract paired with an LTCi gets you to the same place,
I get that you really like the Type A contract; but in my view the benefits of the LTC coverage for the Type A contract are over-hyped and fraught with more business viability risk to the CCRC, which is perhaps a reason why the entrance fees are so high and why the industry appears to be moving away from these contracts.