What is LifeCare?
LifeCare is a unique insurance-style contract that ensures your future healthcare needs will be covered. By moving into a community, you can enjoy everything it offers today; while knowing that assisted living, memory care, and nursing care will be there if or when you need them. With LifeCare, you know who will provide your care, where it will be provided, and how much it will cost—without placing that burden on loved ones or facing a stressful, need-based move in a crisis.

A Sound
Financial Decision
Choosing LifeCare is also a smart financial strategy. Direct-admit pricing for assisted living, memory care, or nursing care can cost significantly more than the monthly fee you would pay under a LifeCare contract. Because your costs remain predictable, you protect yourself from the rising expenses of long-term care and preserve more of your estate for the future. It’s financial security, as well as peace of mind.
If your plan is to stay in your current home and bring in care as needed, be sure to make a true cost comparison. Factor in monthly expenses such as property taxes, utilities, home maintenance, and the services you’ll need to hire to keep everything running smoothly.
In addition, research both the cost and availability of home-based care services in your area, as staffing shortages and rising rates can make this option less predictable than it may appear.
Evaluating a Community’s Financial Strength
Since LifeCare contracts are regulated by the state, you can feel confident that consumer protections are in place. Still, it’s important to review a community’s financial health.
Key indicators include:
- Days cash on hand—measures how long a community can operate without new income.
- Actuarial study results—a funded status of 100% or more shows long-term stability.
- High occupancy rates
- Debt-to-cash ratio—ideally 0.4 or higher.
Financially strong communities are transparent. Don’t hesitate to ask to meet with the CFO or COO and review financial statements. A trustworthy community will welcome your questions.
RiverMead Audited Financial Statements
A Smart Plan for a Vibrant Future
Choosing a LifeCare community is a significant decision, and understanding the financial benefits is a crucial first step. With the peace of mind that comes from a secure plan, you’re free to explore the vibrant lifestyle, amenities, and friendships that truly make our community a home.
Discover all that RiverMead has to offer.
Living Choices
Discover our continuum of care, designed to help you thrive at every stage of your journey.

Independent
Living
Stay vibrant, engaged, and independent in a community that feels like home. Discover the freedom to live your best life with various opportunities to explore.
Independent Living

Assisted Living
Enjoy the perfect balance of dynamic living and support with personalized care that adapts to your needs. This is where comfort meets peace of mind.
Assisted Living

Memory Care
Compassionate support in a safe, nurturing environment. Our specialized programs celebrate each resident’s individual journey while fostering meaningful connections.
Memory Care
Start Planning
Your Move
Curious how RiverMead can fit your or your loved one’s unique lifestyle and needs? Our Sales Advisors, Jennifer Coles and Dan Moore, are here to guide you through everything we offer—from our beautiful accommodations to our engaging special events.
Schedule a tour today and let us help you create a smooth, personalized plan to join our enriching community experience.

Our Location
Live Fully in the Heart of Peterborough
Experience small-town charm with endless possibilities. Discover the Monadnock Region’s cultural, natural, and recreational gems—or take a quick 1.5-hour trip to Boston for an urban adventure.
Our Address
- 150 RiverMead Road
- Peterborough, NH
Get In Touch
Reception: (603) 924-0062
Marketing: (603)-924-8611