Assisted living contracts & bills

Know the real cost of assisted living before anyone signs.

Upload the agreement, fee schedule, and any offer. CareCheck returns a defensible monthly cost, the terms that matter, the questions to ask — and shows you the page every number came from.

  • Independent — no referral fees from facilities
  • Every finding links to its source
  • Documents are private and never sold

A real report, built from a fictional facility's documents.

The gap families miss

The advertised price is almost never the price.

Care level, second-person fees, add-ons, and a community fee sit outside the number on the tour. On the sample above, the difference is nearly $3,500 a month.

$3,950
On the brochure
$7,475
In the documents
An older woman and her adult daughter holding hands in earnest conversation at home.
Why it matters

This is one of the largest recurring costs a family ever takes on, decided under real emotional pressure.

CareCheck gives you a clear, defensible number and a short list of the right questions — so the conversation is about care and fit, not a contract nobody had time to read.

What it reads

Your documents, read as one set.

One document is enough to start. More documents make the picture more complete — and let CareCheck check whether they agree with each other.

Residency agreement

The binding terms — base fee, care pricing, increases, discharge, arbitration, personal liability.

Fee schedule & brochure

Add-on prices and marketing claims, checked against the agreement for gaps.

Care assessment

The level a resident is assessed at — and the monthly fee that comes with it.

Written offer or incentive

Move-in deals, waived fees, and covered care periods — matched to what the agreement actually says.

Rate-change letters

Notices of a price increase, checked against the notice period the agreement requires.

Monthly invoices

With Bill Watch, each statement is compared to the agreement and the month before.

What to check

The terms that decide the real cost.

A few parts of an assisted living contract carry most of the cost and risk. CareCheck finds each one in your documents and links it to the page it's on.

Base fee and inclusions

The monthly rate for the specific apartment, and exactly which services — meals, housekeeping, utilities, some transportation — are covered before anything is billed on top.

Care services and levels

How help with activities of daily living (bathing, dressing, medication management) is assessed and priced, and who decides when the level — and its cost — goes up.

Fee structure

Whether pricing is all-inclusive, tiered, or à la carte, and every add-on and third-party charge that sits outside the base rate.

Rate increases

How often fees can rise, the notice you are owed, and whether the agreement states any cap on the increase. Many state none.

Discharge and termination

The health conditions or non-payment terms that let a community end the agreement, the notice each side must give, and what is refunded.

Move-in fees and refunds

Community fee, security deposit, and assessment fees — which are refundable, and on what timeline.

Read the assisted living contract guide →See an annotated sample →

Compare, side by side

Two facilities, one honest table.

Advertised price against known cost, move-in fees, increase terms, and what each set of documents doesn't say — so a lower brochure number can't hide a higher real one.

A finding, in full

If we can't show you the source, we don't call it confirmed.

Every material number and term links to the page it came from, and material amounts get a second check. Anything CareCheck can't locate in your documents is shown as an open question, never as a fact.

Fee schedule, p.1  ·  Brochure, p.2

“Transportation to medical appointments: $25 per one-way trip.”  —  “Scheduled transportation is included in the monthly fee.”

Two documents describe the same service differently. It doesn't mean anyone is wrong — it means this is worth settling in writing.

Question generated: “Which transportation is included in the monthly fee, and what is billed per trip? Please confirm in writing.”
What you take away

Everything you need to decide, and to ask.

True Monthly Cost

The defensible number, a potential range, and the move-in total — with the assumptions you can adjust.

The terms that matter

Rate increases and caps, refunds, discharge, arbitration, and who is on the hook financially.

Questions to ask

Specific, document-tied questions to email or bring to the tour — not a generic checklist.

A Signing Day Pack

A printable, source-cited summary to bring to the table on the day of the decision.

How it works

Three steps. About ten minutes.

Upload the documents you have

PDFs or clear photos. The agreement, a fee schedule, an assessment, a brochure — one is enough to begin.

Review in decision order

Cost first, then the terms that could change it, then the open questions. Anything unconfirmed is labelled, never guessed.

Take it to the facility

Ask the generated questions, record the answers, and download the pack for the day you sign.

You are the customer. Not the facility.

CareCheck never accepts referral fees or payments from senior living communities. It is a paid tool for families making a high-cost, emotional choice — and that is the only side it works for.

Pricing

Pay once for the decision. No subscription required.

Contract Check
$69 one-time

One facility — full document analysis, True Monthly Cost, every term, and the questions to ask.

Bill Watch
$9.99 / month

After the decision: each monthly statement checked against the agreement and the month before. Cancel anytime.

See full pricing →

Common questions

Before you upload anything.

Is it really independent?

Yes. CareCheck does not accept referral fees or payments from senior living communities, and never will. Your payment is the only revenue.

How accurate is it?

Every figure links to the page it came from and is checked against that source. Material amounts get a second verification pass. If a number can't be confirmed against the documents, it's shown as an open question — not as a confirmed value, and never as $0.

What happens to my documents?

They are stored privately, encrypted, and used only for your analysis. They are never sold, never used for advertising, and never used to train a model without a separate, explicit opt-in. You can delete them, and your account, at any time.

Is this legal advice?

No. CareCheck provides document-based educational information. For a clause that concerns you, it points you to an elder-law attorney or your state's Long-Term Care Ombudsman.

What if I only have a brochure so far?

Start with it. You'll get the advertised pricing and marketing claims extracted and flagged, plus a clear list of what to request next — usually the residency agreement and the fee schedule.

More questions →

Understand the contract before the pen touches the page.

Upload the documents you already have. See what they really say.

Check a contract

Or try the free cost calculator