Westminster Canterbury of Lynchburg
501 V.E.S. Road, Lynchburg, Virginia 24503
- Operator:
- Westminster Canterbury of Lynchburg, Inc.
- Ownership:
- Nonprofit
- Affiliation:
- Episcopal Diocese of Southwestern Virginia and Synod of the Mid-Atlantic, Presbyterian Church (U.S.A.) — via member corporations; not liable for obligations (p9)
- Opened:
- Not disclosed in the 2026 filing
Non-stock nonprofit Virginia corporation; owns the real property (p3, p8). Members: Southwestern Episcopal Homes, Inc. and Westminster Presbyterian Homes, Inc. (p9).
- Type A (life care)
- Type B (modified)
Figures from the 2026 disclosure statement (fiscal 2025 finances), filed with the Virginia State Corporation Commission, Bureau of Insurance.PDF
At a glance
Refund plans offered
- Traditional PlanCan decline to nothing
- Guaranteed 50% PlanNever less than 50% of the fee
- Guaranteed 90% PlanNever less than 90% of the fee
Days cash on hand
Independent living occupancy
Nursing care, CMS overall rating
What care costs later
How each contract prices assisted living and nursing if you need them. The contract type decides most of what a long stay costs.
- Type A (life care): Moving to assisted living or nursing leaves your monthly fee essentially unchanged.
- Type B (modified): A set number of care days is included, or care is charged at a stated discount.
How the contract types compare
Type A (life care)The filing calls it Unlimited LifeCare Agreement (Type A); we class contracts by how care is priced (our definitions).
Unlimited assisted living, memory support and nursing care while paying the Monthly Services Fee of your residence plus two extra meals a day; the agreement also mentions an unspecified health care charge in memory support and nursing and an extra fee for an assisted living suite.p. 42
- Assisted living
- Then-current Monthly Services Fee of the residence plus two additional meals; additional fee for an AL suite
- Nursing care
- Then-current Monthly Services Fee of the residence plus two additional meals, plus a 'health care charge' in Memory Support and Health Care (amount not stated)
- Priority for a bed
- Yes, residents come before outside admissions
Type B (modified)The filing calls it Fee-for-Service Agreement (Type C); we class contracts by how care is priced (our definitions).
Assisted living at the per diem rate less 5% and nursing care at the per diem rate less 15%; no care days are included. The document calls this Type C; it is mapped to B because care is billed at a stated discount.p. 10
- Assisted living
- Per diem rate less 5%
- Nursing care
- Per diem rate less 15%
- Discount on care
- 15%
- Priority for a bed
- Yes, residents come before outside admissions
| Independent living | 262 |
|---|---|
| Assisted living | 40 |
| Memory care | 14 |
| Nursing care | 105 |
Entrance fees
One-person prices as the filing lists them, by contract. A second person usually pays the extra amount shown.
LifeCare Unlimited · Type A (life care) (14 prices, $103,699 to $560,727)
| Unit | Sq ft | Refund plan | Price, one person | Second person |
|---|---|---|---|---|
| 2 Bedroom (Cottage Homes) | 1,390 | Traditional Plan | $458,686p. 26 | $54,017 |
| 2 Bedroom, Den (Cottage Homes) | 1,598 to 1,700 | Traditional Plan | $519,343 to $560,727p. 26 | $54,017 |
| Studio (Brookhaven & Creekside) | 423 to 598 | Traditional Plan | $103,699 to $148,834p. 26 | $54,017 |
| 1 Bedroom (Brookhaven & Creekside) | 684 to 1,072 | Traditional Plan | $219,370 to $361,454p. 26 | $54,017 |
| 2 Bedroom (Brookhaven & Creekside) | 990 to 1,710 | Traditional Plan | $351,435 to $529,316p. 26 | $54,017 |
| 1 Bedroom, Den (Brookhaven & Creekside) | 1,021 | Traditional Plan | $351,435p. 26 | $54,017 |
| 2 Bedroom, Den (Brookhaven & Creekside) | 1,530 | Traditional Plan | $485,804p. 26 | $54,017 |
| 1 Bedroom (Woods Edge) | 695 to 939 | Traditional Plan | $243,608 to $321,200p. 27 | $54,017 |
| 1 Bedroom, Den (Woods Edge) | 1,010 | Traditional Plan | $362,936p. 27 | $54,017 |
| 2 Bedroom (Woods Edge) | 1,234 to 1,362 | Traditional Plan | $430,203 to $464,377p. 27 | $54,017 |
| 2 Bedroom, Den (Woods Edge) | 1,367 to 1,442 | Traditional Plan | $474,326 to $507,642p. 27 | $54,017 |
| 1 Bedroom, Den (Riverside) | 800 to 1,007 | Traditional Plan | $314,917 to $373,490p. 27 | $54,017 |
| 2 Bedroom (Riverside) | 1,079 to 1,187 | Traditional Plan | $383,801 to $426,172p. 27 | $54,017 |
| 2 Bedroom, Den (Riverside) | 1,356 to 1,663 | Traditional Plan | $465,542 to $500,381p. 27 | $54,017 |
Fee-for-Service · Type B (modified) (14 prices, $63,831 to $452,592)
| Unit | Sq ft | Refund plan | Price, one person | Second person |
|---|---|---|---|---|
| 2 Bedroom (Cottage Homes) | 1,390 | Traditional Plan | $376,901p. 29 | $19,269 |
| 2 Bedroom, Den (Cottage Homes) | 1,598 to 1,700 | Traditional Plan | $418,060 to $452,592p. 29 | $19,269 |
| Studio (Brookhaven & Creekside) | 423 to 598 | Traditional Plan | $63,831 to $102,137p. 29 | $19,269 |
| 1 Bedroom (Brookhaven & Creekside) | 684 to 1,072 | Traditional Plan | $171,125 to $312,431p. 29 | $19,269 |
| 2 Bedroom (Brookhaven & Creekside) | 990 to 1,710 | Traditional Plan | $298,000 to $440,347p. 29 | $19,269 |
| 1 Bedroom, Den (Brookhaven & Creekside) | 1,021 | Traditional Plan | $302,556p. 29 | $19,269 |
| 2 Bedroom, Den (Brookhaven & Creekside) | 1,530 | Traditional Plan | $406,068p. 29 | $19,269 |
| 1 Bedroom (Woods Edge) | 695 to 939 | Traditional Plan | $196,308 to $272,762p. 30 | $19,269 |
| 1 Bedroom, Den (Woods Edge) | 1,010 | Traditional Plan | $313,885p. 30 | $19,269 |
| 2 Bedroom (Woods Edge) | 1,234 to 1,362 | Traditional Plan | $356,641 to $386,203p. 30 | $19,269 |
| 2 Bedroom, Den (Woods Edge) | 1,367 to 1,442 | Traditional Plan | $394,894 to $405,974p. 30 | $19,269 |
| 1 Bedroom, Den (Riverside) | 800 to 1,007 | Traditional Plan | $276,685 to $324,872p. 30 | $19,269 |
| 2 Bedroom (Riverside) | 1,079 to 1,187 | Traditional Plan | $338,427 to $347,667p. 30 | $19,269 |
| 2 Bedroom, Den (Riverside) | 1,356 to 1,663 | Traditional Plan | $388,935 to $411,162p. 30 | $19,269 |
Azalea Option LifeCare · Type A (life care) (1 prices, $103,699)
| Unit | Refund plan | Price, one person | Second person |
|---|---|---|---|
| Azalea Option (before moving to campus) | Traditional Plan | $103,699p. 31 | $54,017 |
Azalea Option Fee-for-Service · Type B (modified) (1 prices, $61,376)
| Unit | Refund plan | Price, one person | Second person |
|---|---|---|---|
| Azalea Option (before moving to campus) | Traditional Plan | $61,376p. 31 | $18,527 |
Monthly fees
What residents pay each month, by contract and level of care. A second person adds the amount shown.
LifeCare Unlimited · Type A (life care) (14 prices, $3,188 to $6,484)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| 2 Bedroom (Cottage Homes) | Independent living | $5,329p. 26 | $1,600 |
| 2 Bedroom, Den (Cottage Homes) | Independent living | $5,330 to $6,484p. 26 | $1,600 |
| Studio (Brookhaven & Creekside) | Independent living | $3,188 to $3,490p. 26 | $1,600 |
| 1 Bedroom (Brookhaven & Creekside) | Independent living | $3,641 to $4,528p. 26 | $1,600 |
| 2 Bedroom (Brookhaven & Creekside) | Independent living | $4,518 to $5,318p. 26 | $1,600 |
| 1 Bedroom, Den (Brookhaven & Creekside) | Independent living | $4,518p. 26 | $1,600 |
| 2 Bedroom, Den (Brookhaven & Creekside) | Independent living | $5,076p. 26 | $1,600 |
| 1 Bedroom (Woods Edge) | Independent living | $3,658 to $4,407p. 27 | $1,600 |
| 1 Bedroom, Den (Woods Edge) | Independent living | $4,877p. 27 | $1,600 |
| 2 Bedroom (Woods Edge) | Independent living | $4,956 to $4,976p. 27 | $1,600 |
| 2 Bedroom, Den (Woods Edge) | Independent living | $5,078 to $5,217p. 27 | $1,600 |
| 1 Bedroom, Den (Riverside) | Independent living | $4,380 to $4,872p. 27 | $1,600 |
| 2 Bedroom (Riverside) | Independent living | $4,895 to $4,920p. 27 | $1,600 |
| 2 Bedroom, Den (Riverside) | Independent living | $4,951 to $5,213p. 27 | $1,600 |
Fee-for-Service · Type B (modified) (14 prices, $2,182 to $5,232)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| 2 Bedroom (Cottage Homes) | Independent living | $4,151p. 29 | $1,022 |
| 2 Bedroom, Den (Cottage Homes) | Independent living | $4,151 to $5,232p. 29 | $1,022 |
| Studio (Brookhaven & Creekside) | Independent living | $2,182 to $2,386p. 29 | $1,022 |
| 1 Bedroom (Brookhaven & Creekside) | Independent living | $2,485 to $3,426p. 29 | $1,022 |
| 2 Bedroom (Brookhaven & Creekside) | Independent living | $3,406 to $4,287p. 29 | $1,022 |
| 1 Bedroom, Den (Brookhaven & Creekside) | Independent living | $3,414p. 29 | $1,022 |
| 2 Bedroom, Den (Brookhaven & Creekside) | Independent living | $4,129p. 29 | $1,022 |
| 1 Bedroom (Woods Edge) | Independent living | $2,510 to $3,348p. 30 | $1,022 |
| 1 Bedroom, Den (Woods Edge) | Independent living | $3,593p. 30 | $1,022 |
| 2 Bedroom (Woods Edge) | Independent living | $3,954 to $3,974p. 30 | $1,022 |
| 2 Bedroom, Den (Woods Edge) | Independent living | $3,974 to $4,047p. 30 | $1,022 |
| 1 Bedroom, Den (Riverside) | Independent living | $3,323 to $3,700p. 30 | $1,022 |
| 2 Bedroom (Riverside) | Independent living | $3,859 to $3,926p. 30 | $1,022 |
| 2 Bedroom, Den (Riverside) | Independent living | $3,962 to $4,106p. 30 | $1,022 |
Azalea Option LifeCare · Type A (life care) (1 prices, $1,200)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| Azalea Option (before moving to campus) | Independent living | $1,200p. 31 | $600 |
Fee increases, year by year
| Year | Level of care | Unit | Increase | Monthly fee, before and after |
|---|---|---|---|---|
| 2026 | Independent living | All units | 2.9% | Percent onlyp. 33 |
| 2025 | Independent living | All units | 4% | Percent onlyp. 33 |
| 2024 | Independent living | All units | 6% | Percent onlyp. 33 |
| 2023 | Independent living | All units | 3.9% | Percent onlyp. 33 |
| 2022 | Independent living | All units | 3% | Percent onlyp. 33 |
Refunds
What comes back from the entrance fee when you leave or die, and when it is paid.
Traditional Planp. 52
Refund is the entrance fee less 2% for each month after the agreement date, never more than 96% of the fee; nothing is refunded after 50 months. Paid only after the residence is re-occupied by a new resident who has paid an entrance fee.
- Kept on move-in
- Not disclosed in the 2026 filing
- Declines by
- 2% a month for 50 months
- Never less than
- Nothing: it can decline to zero
- Longest wait
- No limit stated
- Paid
- When your unit is re-occupied and the new resident has paid
Guaranteed 50% Planp. 52
Costs 50% more than the posted entry fee. Refund declines 2% a month (capped at 96%) for 25 months, then 50% of the fee is guaranteed; paid after the residence is re-occupied by a new entrance-fee payer.
- Kept on move-in
- Not disclosed in the 2026 filing
- Declines by
- 2% a month for 25 months
- Never less than
- 50% of the fee
- Longest wait
- No limit stated
- Paid
- When your unit is re-occupied and the new resident has paid
Guaranteed 90% Planp. 53
Costs 90% more than the posted entry fee. Refund declines 2% a month (capped at 96%) for 5 months, then 90% of the fee is guaranteed; paid after the residence is re-occupied by a new entrance-fee payer.
- Kept on move-in
- Not disclosed in the 2026 filing
- Declines by
- 2% a month for 5 months
- Never less than
- 90% of the fee
- Longest wait
- No limit stated
- Paid
- When your unit is re-occupied and the new resident has paid
Refund calculator
Estimated refund: $0 (0% of the fee)
When it is paid: when your unit is re-occupied and the new resident has paid. This applies the plan terms as recorded from the filing, counting a part month as a whole one. The signed contract governs, and charges you owe or care paid for from the fee can be deducted first.
How entrance-fee refunds work, and why the payment date matters
Finances
Whether the organisation behind the community has the cash and income to keep its promises for decades.
- Balance sheet: Westminster Canterbury of Lynchburg, Inc. (consolidated).
- Ratios: Westminster Canterbury of Lynchburg, Inc.
- Ratios are interim figures, unaudited.
Days cash on hand
554 days FY2025p. 162
- Its lenders’ minimum: 120 daysp. 162
- Industry median: 321 days Ziegler median for fiscal 2022, 132 bond-financed not-for-profit entrance-fee CCRCs
Debt service coverage
2.57x FY2025p. 162
- Its lenders’ minimum: 1.10xp. 162
- Industry median: 1.80x Ziegler median for fiscal 2022, 132 bond-financed not-for-profit entrance-fee CCRCs
How to read these figures: what each one measures and why a lender’s minimum is a floor, not a target.
Balance sheet
| Fiscal year | FY2025p. 132 |
|---|---|
| Total assets | $165.2 million |
| Total liabilities | $126.1 million |
| Long-term debt | $62.8 million |
| Entrance fees not yet earned (deferred revenue) | $53.8 million |
| Refunds owed to residents (refundable fee liability) | $3.6 million |
| Net position (assets minus liabilities) | $39.1 million |
Auditor: CliftonLarsonAllen LLP. Opinion: Unmodified (clean) opinionp. 132
Occupancy
Nursing care on campus
From CMS Care Compare, data as of 2026-09-01. These are the federal government’s ratings of the nursing center, not ours.
- Overall
- 5 of 5
- Health inspections
- 5 of 5
- Staffing
- 5 of 5
- Quality measures
- 4 of 5
Fines recorded by CMS: 0. Health citations since 2023-10-16: 2. WESTMINSTER-CANTERBURY OF LYNCHBURG INC on Care Compare
CARF-accredited since 1987. Check on CARF’s site
In brief
Westminster Canterbury of Lynchburg is a nonprofit continuing care community on about 52 acres in Lynchburg with 36 cottages, 226 independent living apartments, 40 assisted living beds, a 14-bed memory support center and 105 nursing beds. It offers an unlimited LifeCare contract and a fee-for-service contract with nursing at 15% off the daily rate, each with refund plans that decline 2% a month; LifeCare entry fees (traditional plan) run from $103,699 to $560,727 for one person. Management reported 554 days cash on hand and 2.57x debt service coverage for FY2025.PDF
Nearest communities in Virginia
- The Summit
Lynchburg · 7 miles away
Entrance fee: $133,000 to $891,000
- Kendal at Lexington
Lexington · 27 miles away
Entrance fee: $197,900 to $1,578,710
- The Glebe
Daleville · 40 miles away
Entrance fee: $165,000 to $875,000
Sources
- Westminster Canterbury of Lynchburg — Disclosure Statement 2026Virginia State Corporation Commission, Bureau of Insurance · filed 2026, fiscal 2025 finances · 163 pages · retrieved 2026-10-15
Each page tab above opens this PDF at the page the figure came from. Spotted a figure that does not match its page? Tell us and it is checked against the filing.