FAQ

Find answers to some frequently asked questions below.

  • WHAT IS A RISK RETENTION GROUP ("RRG")?

  • DO ALL MEMBERS OF CARING COMMUNITIES HAVE OWNERSHIP?

  • ARE RRGS THE SAME AS RISK PURCHASING GROUPS ("RPGS")?

  • CARING COMMUNITIES (CCRRRG) IS A "RECIPROCAL" RRG. WHAT IS A RECIPROCAL?

  • HAS A.M. BEST RATED THE FINANCIAL STRENGTH OF CCRRRG?

  • WHAT ARE THE BENEFITS OF OPERATING AS A RECIPROCAL RRG?

  • HOW MUCH HAS CARING COMMUNITIES PAID ITS MEMBERS IN THE FORM OF POLICYHOLDER DIVIDENDS?

  • ARE ALL MEMBERS OF CARING COMMUNITIES NOT-FOR-PROFIT ENTITIES?

  • IS A MEMBER (OR SUBSCRIBER) FINANCIALLY RESPONSIBILITY FOR OTHER MEMBERS' CLAIMS?

  • IS THERE A MEMBERSHIP FEE OR INVESTMENT TO JOIN CARING COMMUNITIES?

  • DO OWNERS SHARE IN THE PROFITS OF CARING COMMUNITIES?

  • WHAT SPECIAL SERVICES DO MEMBERS OBTAIN THROUGH MEMBERSHIP?

  • IS MEMBERSHIP TO CARING COMMUNITIES MASS MARKETED THROUGH INSURANCE AGENTS, BROKERS, OR INDUSTRY ASSOCIATIONS?