Life Here

August 26, 2025 By Maura Zambarano

The Hidden Cost of Waiting: Why Delaying a Move to a Life Plan Community Can Cost You

When it comes to planning your future, few decisions are more impactful than choosing where—and how—you want to age.

For those considering a Type A Life Plan Community, like Paradise Valley Estates, the decision often comes with a mix of emotions: excitement, uncertainty, and sometimes hesitation.

But here’s the truth: waiting too long can cost you—financially, physically, and emotionally.


1. Financial Costs Increase Over Time

Type A contracts provide the most comprehensive coverage, offering predictable monthly fees even if you later need assisted living or skilled nursing care. But waiting can hurt:

  • Entrance fees typically rise every year.

  • Monthly fees may be higher if you wait until you’re older or your health changes.

  • You could miss out on preferred pricing or valuable tax deductions available while you’re still independent.

Don’t let rising costs limit your options.


2. Health Doesn’t Wait

A major qualification for entering under a Type A contract is independent health status. Waiting too long can mean:

  • A fall, illness, or decline could disqualify you from entry.

  • You may be forced to move directly into higher levels of care—without the same financial protections.

“You don’t buy home insurance during a fire—and you shouldn’t wait to plan for care until you need it.”

Early movers also avoid Relocation Stress Syndrome transfer trauma, a medically recognized condition caused by waiting until a crisis forces a rushed move.

Secure your future while you’re healthy and in control.


3. Availability Isn’t Guaranteed

Our most desirable floor plans and locations often have waitlists. Delaying means:

  • Losing your first-choice home.

  • Facing long delays just when you need care.

  • Market changes (real estate dips, costly home repairs, or disasters) impacting your ability to sell when you’re finally ready.

Waiting doesn’t add choices—it takes them away.


4. You Miss Out on Lifestyle & Community

Life Plan Communities aren’t just about future care—they’re about living fully today.

Residents often say they wish they had moved sooner because of:

  • A maintenance-free lifestyle

  • Vibrant social connections

  • On-site fitness, dining, and lifelong learning

  • Peace of mind knowing care is there if needed

The earlier you move, the longer you enjoy the benefits.


Final Thought: Decide Before It’s Urgent

Moving to Paradise Valley Estates is one of the most important gifts you can give yourself and your family: security, predictability, and peace of mind.

But like all good things, it’s best seized at the right time—not delayed until options narrow.

Ready to Take the First Step?

Call: 707.862.5135
Email: Marketing@pvestates.com

You may not be ready to move tomorrow—but learning about your options today ensures you’re prepared before circumstances decide for you.

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