Ten years ago, Barbara Cooper's parents made what they thought was their final move to the Harborside Retirement Community in Port Washington, New York.

"They had beautiful brunches every Sunday, intellectual activities that my mom loved. It was just a beautiful place," Cooper told CBS News.

Joyce and Norman Cooper had earned it, saving diligently. To get in, they paid $946,000.

"It was a lot of money, but they'd have health care for the rest of their lives in the same building, in the same place and be together," Barbara Cooper said.

The Harborside offered independent living, assisted living, nursing and memory care, all on one campus. The facility is known as a continuing care retirement community, or CCRC. Many use an unorthodox financial model: there's a large entrance fee and smal

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