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CCRC/Retirement Community


LeadingAge Florida's team tracks regulations and legislation. 

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Susan Langston
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Featured Content

Process Available to Appeal Findings in Draft OIR Examination Report

Continuing care/life plan communities that have undergone an Office of Insurance Regulation (OIR) examination over the past 18 months have begun receiving a “Draft Report of Examination.” The transmittal letter accompanying the draft report gives the provider up to 30 days to request a hearing pursuant to section 624.319(1), Florida Statutes.

Although the word “hearing” is used, it is not a formal hearing within the scope of chapter 120, Florida Statutes. Instead, according to Rule 69N-121.066, Florida Administrative Code, it is an informal conference at which the CCRC/LPC has the opportunity to resolve disputed provisions in the draft examination report in a fair and efficient manner.

If a hearing is not requested within 30 days, the provider will be deemed to have waived the right to a hearing, and the report will become a public document, a summary of which must be posted in a conspicuous place within the community. The summary must state where a full copy of the full report is available for review. In addition, HB 1033 requires providers to notify prospective residents of a final Report of Examination, including where the report may be inspected and, upon request, provide an electronic copy or specific website from with the report may be downloaded at no cost. Because the final report is a public document that could affect marketing, there may be times when a provider should consider requesting a hearing to pursue desired modifications. Read More.

Preparation Tips for CCRC Triennial Examination/Audit

Section 651.105, Florida Statutes, requires the Office of Insurance Regulation to examine the business of a continuing care retirement community at least once every three years. However, OIR has the discretion to examine an accredited community, of which there are 10, every five years. The examination is also known as a triennial audit.

Since a number of members are due for an examination, the purpose of this article is to share the recent experience of a few CCRCs that were audited in 2018.

As has been the case for many years, providers are notified in writing well in advance of an examination. The OIR examination notification letter includes an attachment listing the records, reports, and accounting transactions that must be submitted electronically to OIR for review.
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Retroactive Medicaid Eligibility - Important Reminder

The Centers for Medicare and Medicaid Services approved Florida Medicaid’s request to eliminate the three month Medicaid retroactive period before the month of application for non-pregnant adults. This change is the result of legislative direction in the 2018-19 General Appropriations Act. Read More

Ziegler PowerPoint on CCRC Changing Times Available
During the LeadingAge Florida Annual Business Meeting, held on Tuesday, July 31, in conjunction with the 55th Annual Convention and Exposition, experts with a wealth of information about Continuing Care/Life Plan Communities were featured speakers. The presentation by representatives of Ziegler, titled “Changing Times for Non-profit Life Plan Communities: Transparency, Regulations, Financing,” was among those that were especially interesting. The information presented can be used for benchmarking, planning purposes, and board and executive staff education.


CCRC Disclosure Checklist Available

As a service to our members, LeadingAge Florida staff compiled a checklist of disclosure requirements for Continuing Care Retirement Communities (CCRCs) at the conclusion of the 2015 Legislative Session, when Chapter 651, Florida Statutes, was last amended.

OIR Staff Changes Affecting CCRCs

Effective May 1, 2018, the Life & Health Financial Oversight section had a few organizational changes that affect continuing care retirement communities. Click here for an organizational chart.

  • Leean Chojnowski is now the Deputy Director of Life & Health Financial Oversight. She still reports directly to Carolyn Morgan, who remains the Director.
  • The CCRC analysis staff, which consists of Courtney Trim (supervisor), Jenny Zhou (analyst) and Juanita Silva (analyst), now report to Paul Johns. Johns is the Financial Administrator who oversees licensing applications and specialty insurers for the Life & Health Financial Oversight section. He reports directly to Carolyn Morgan.
  • The CCRC examination staff, which consists of Bernie Stoffel (supervisor), Alicia Thompkins-Perryman (examiner) and Hannah Scott (analyst), now report to Peggy McCrary. McCrary is the Chief Examiner who oversees all financial examinations for the Life & Health Financial Oversight section. She reports directly to Carolyn Morgan.
  • The review of CCRC contracts is currently being transitioned to the Life & Health Product Review section.

OIR Releases Annual CCRC Report

On August 17, 2017, the Office of Insurance Regulation presented its annual report on continuing care retirement communities to the Governors Continuing Care Advisory Council. The report is frequently used by providers for benchmarking purposes. Information in the report is based on the 2016 annual reports submitted to OIR by providers.
Read More


Dr. Eric D. Johnson, Office of Insurance Regulation Deputy Commissioner of Life and Health, recently resigned to take a position at AvMed, a Florida HMO and a sister company of Santa Fe Senior Living which owns and operates three Florida CCRCs, two of which are Life Plan communities. The Continuing Care Retirement Community Section falls under Life, Health and Financial Oversight. Dr. Johnson’s replacement has not been named.

Click here for a recently released organizational chart of staff responsible for the regulatory oversight of CCRCs.


Florida Office of Insurance Regulation: Presentation to the Governor's Continuing Care Advisory Council
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Report Published on CCRC Contracts
By Mary Ellen Early
Continuing care contracts have been a topic of interest in Florida and elsewhere for some time. When LeadingAge Florida and FLiCRA were working on a proposed bill for the 2015 Legislative Session, we were surprised to learn about the diversity of continuing care business models. We found that many continuing care retirement communities that historically offered only traditional declining balance Type A contracts now offer more than one option including refundable entrance fee, fee-for-service and rental contracts. Much of the diversification occurred during the great recession which forced CCRCs to creatively address the financial challenges of prospective residents who were reluctant to relocate because of declining home values and concerns about income from investments. Although the economy has rebounded, rentals still remain an option for some Florida CCRCs, accounting for approximately 12% of independent living units.
Read More

Update on Implementation of 2015 CCRC Law (HB 749) and More

  • CCRC Contract Reviews
  • Response to OIR Memo about CCRC Contract Status Due on November 20, 2015
  • CCRC in the News
  • Updated Chapter 651, F.S. 


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Proposed Changes to Medicaid Reimbursement Rules – Input Requested for November 16, 2015 Rule Development Workshop
Last week, the Agency for Health Care Administration published a Notice of Development of Rulemaking. The notice covers three rules. A rule development workshop is scheduled for November 16, 2015 in Tallahassee from 2:00 - 4:00 PM. LeadingAge Florida staff will be in attendance and will convey your comments. Read More

CCRC Financial Benchmarking Webinar Provides Additional Analysis of Data Available from Annual Reports
A detailed analysis of the data submitted by CCRCs to OIR in annual reports will be presented by LeadingAge Florida business affiliate Moore Stevens Lovelace, CPAs & Advisors during a November 17, 2015 CCRC Financial Benchmarking webinar.  Read More

California Governor Jerry Brown Vetoes Bill Requiring CCRCs to Pay Interest on Delayed Entrance Fee Refunds
A bill filed on behalf of continuing care retirement community residents (HB 475) passed the California Legislature but was vetoed by Governor Jerry Brown last week. Read More

Change in Office of Insurance Regulation Personnel
Effective September 23, 2015, Becky Griffith, OIR Financial Examiner/Analyst Supervisor, moved to the Office of the Insurance Consumer Advocate.
Read More

CCRC Law Takes Effect October 1, 2015
CS/HB 749, the continuing care retirement community bill that passed during the 2015 legislative session, takes effect on October 1, but most of the contract changes apply to contracts entered into on or after January 1, 2016. Read More


Recent Updates

Study Identifies Expectations of CCRC Residents about Transparency

“How much information do you need to share with residents who call your community home?” “What input/influence do residents have regarding operational decisions?” These are two questions asked by researchers from Mather Lifeways Institute on Aging of executive staff who oversee continuing care retirement communities. The purpose of the study was to understand how these communities are responding to changing resident desires as well as the benefits and operational challenges associated with increased transparency and resident participation in decision-making. Read More

Medicaid Reimbursement Plan
LeadingAge Florida has recently analyzed a “new Medicaid Reimbursement Plan” being circulated by Our Florida Promise (OFP). Read More

Recall for Acetaminophen Tablets by Medline Industries

AHCA October 1, 2015 Mandated Forms

CMS Proposed SNF Rule

State Ombudsman Program Bill – Legislative Summary CS/SB 7018


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