Tribune Print Share Text


Your important financial questions about retirement

Created date

October 25th, 2011

Retirement s a big deal. Not just emotionally, but financially too. You want to be sure you re making a smart financial decision when it comes to the next phase of your life. You want to be happy, healthy, and secure. And you want to make sure you re not stuck in a house that s draining your savings and holding you hostage when you could be out and about, staying active and engaged. To help you prepare, Susan Coulson, sales counselor at Seabrook, an Erickson Living community in Tinton Falls, N.J., answers some of the most important and frequent questions she receives when meeting with people considering Seabrook as their home for retirement and home for life.

Q: I wish my expenses were more predictable so I could avoid surprise high costs like my winter heating bill. How can living at Seabrook help me plan my expenses?

A: At Seabrook all your utilities are bundled into one consistent and predictable monthly service package so you won t have an unpleasant surprise such as a high heating bill. Our monthly service package stays the same throughout the year, so your day-to-day expenses are much more predictable and manageable. The package includes not only all your utilities but also basic cable TV, trash collection, maintenance and repair, landscaping and lawn care, local transportation, and a 24-hour security and emergency response system.

Q: New Jersey property taxes are the highest in the nation. How is living at Seabrook an advantage when it comes to property taxes?

A:No one likes getting their property tax bill in New Jersey! Here at Seabrook, your property taxes are included in your monthly service package, so no more annual property tax bills. If you like, you can request a breakdown of your portion of the tax bill at the end of the year for tax purposes.

Q: Aside from my apartment home, what amenities do I get for my money?

A: At Seabrook, you have a wide range of campus amenities to choose from that are all included in our monthly service package. You have your choice of three restaurants, including one meal a day in any those restaurants; indoor swimming pool and fitness center; billiards and game rooms; putting green; computer lab; woodworking shop; library; creative arts studios; and bocce courts. There are also more than 100 different clubs and activities you can participate in.

Q: I feel like every time I turn around I m paying for another repair on my house. Will I have to worry about home maintenance when I move to Seabrook?

A:Imagine all you could accomplish each day with more freedom and less worrying about daily maintenance and unexpected repairs around the house. At Seabrook your full-time maintenance team takes care of all your home maintenance work so you don t have to. And it s all included in your monthly service package. No more mowing the grass, cleaning the gutters, or worrying about unexpected repairs. Just make one phone call to Seabrook s maintenance team, and all your worries are gone.

Q: Medical bills can be so expensive. How can living at Seabrook help me stay healthier longer?

A: The Seabrook community has been thoughtfully designed to help you age successfully. You ll enjoy unlimited opportunities to improve your health and make choices that support a healthy and active lifestyle. You ll have access to a system of expert-led health programs and an on-site medical center. We also have rehabilitation and extended care services so you can be sure your current and future needs are met. Seabrook offers you more options and more control, from choosing a healthy and delicious meal at one of our on-site restaurants to staying active in the fitness and aquatics centers and participating in intellectually stimulating classes and activities. At Seabrook the choice is always yours.

Q: In your opinion, what are the top three reasons why Seabrook is a smart financial decision?

A: The predictable monthly service package allows you greater control over your expenses. The refundable entrance deposit allows you to secure your nest egg and promote a financial legacy for your family. And you have peace of mind with Seabrook s home for life pledge. We re a not-for-profit community dedicated to supporting residents who experience an unforeseen change in financial situation. Should your finances change for reasons beyond your control, our Home for Life Commitment provides several options so you can protect your future. Ask to see our Residence and Care Agreement.