The provider is the person or entity legally and financially responsible for providing continuing care. Be wary if such illusory sponsorship is trumpeted in sales literature. Have the facility's financial, actuarial and operating statements reviewed by a professional. Determine whether it has sufficient financial reserves. The facility should provide a formula for a pro rata refund of the entrance fee based on the resident's length of stay, regardless of whether the facility or the resident initiates the termination.
Some facilities offer the option of fully refundable entrance fees.
Some facilities have a program that grants financial assistance to residents whose income becomes inadequate to pay increasing monthly fees and personal expenses. See box for a checklist of things to look for. A pre-existing health condition is one diagnosed or treated in a certain period of time before entering the facility. Such waivers should be avoided. Everything you need for court related issues.