About San Francisco Towers

What is a Life Plan Community (also known as a CCRC)?

A Life Plan Community, formerly known as a Continuing Care Retirement Community (CCRC), offers a maintenance-free lifestyle and independent residential living, access to amenities, programs, and events as well as the added assurance of priority admission to health care services if needed. In addition to the health care options, a Life Plan Community offers services and amenities under a Residence and Care Agreement.

In California, each Life Plan Community holds a Certificate of Authority (COA) granted by the California Department of Social Services allowing it to enter into Residence and Care Agreements that promise care for the remainder of residents’ lives. In response to an ever-changing marketplace, a variety of agreements are offered to incoming residents.

At San Francisco Towers, health services such as Assisted Living, Home Care, and Skilled Nursing Care are all conveniently and readily in place on campus, providing for current and future needs. Our amenities include: dining options; fitness center; indoor swimming pool and spa; library; chapel; music/lecture room; large and small activity centers; rooftop lounge with fireplace; porte cochere security and lobby atrium.

Is San Francisco Towers accredited?

San Francisco Towers is accredited by CARF-CCAC. As the nation’s only accrediting body for non-profit and for-profit Life Plan Communities, CARF helps promote and maintain quality and disclosure in the retirement industry. Essentially, an accredited organization lives up to its own mission, strives for excellence in its services, ensures that its programs and practices are innovative, and follows an appropriate and achievable plan for the future. An organization seeking accreditation voluntarily undertakes a rigorous peer review process. Members demonstrate to a team of surveyors during on-site surveys that they are committed to conforming to the accreditation conditions and 900 separate standards of CARF. Furthermore, an organization that earns CARF accreditation is commended in its quest for quality programs and services.

Accreditation means that a consumer can be confident that the organization has made a commitment to continually enhance the quality of its services and programs, and to focus on the satisfaction of the persons served. These select organizations must be focused on assisting each resident in achieving his or her chosen goals and outcomes. An accredited community has met or exceeded all of the Commission’s standards of excellence in the areas of governance and administration; financial resources; and resident life, health and wellness. In order to become accredited, an organization must involve its residents, Board of Directors, and staff in the process.

For more information about the accreditation process, please visit the CARF web site at http://www.carf.org/aging/.


What is included with each apartment?

● Smart sized living that makes the most of urban connections
● Open concept plans with room for relaxing and living
● Fully equipped kitchen with quartz countertops
● Safe showers featuring Hansgrohe fixtures
● Carpet and floor choices
● Paint color choices
● Large, double-pane windows

What’s next?

Exploring life at San Francisco Towers is easy. Contact us at 415.447.5527 or by completing this form. Come for a visit and explore the community and the surrounding vibrant neighborhood. Talk with a senior living counselor to learn about financial and health qualification and apartment availability.

Can I get help making the move?

San Francisco Towers offers you the service of a senior move manager to help you organize and prioritize your move. The services (10 free hours) are flexible and you can customize how best to use the services. Talk to your senior living counselor about the options for:

● In-home consultation where wants and needs are discussed and assessed
● A moving plan based on those wants and needs
● A move timeline and checklist of tasks to be completed

● What items to take, sell, or donate
● Working with moving companies to arrange move time and meet with movers to coordinate the move
● Packing items to be moved
● Labeling boxes for easy unpacking and keeping an inventory of all items
● Coordinating stopping and starting utilities, cable, etc. at old and new home

Moving Day
● Coordinating with the moving company so that all items are correctly moved
● Unpacking of essential items
● Setting up the furniture according to the floor plan

Other Services
● Preparing and conducting sale of items in home not taken to new residence
● Arranging for items not sold/moved to be donated or disposed
● Coordinating professional cleaning of home

Comprehensive Health Options

How do you describe different levels of residency?

Independent Residential Living
Independent living is made up of apartments designed exclusively for older adults who can live safely and without assistance; built-in convenience and safety factors, easy navigation, apartment maintenance, and grounds keeping included. Independent Living residents take part in community life and take advantage of the amenities, activities, and services. Residents have the opportunity to connect with peers and participate in work, volunteering, programs, and events and make personal decisions about finances, health, and wellness.

Assisted Living

Assisted Living refers to a special combination of housing, personalized supportive services, and health-related care. Assisted living is designed for individuals who require assistance with Activities of Daily Living such as meals, medication management or assistance, bathing, dressing and transportation. Some residents may need help with mobility, incontinence or other challenges. Residents are assessed upon move in, or any time there is a change in condition. The assessment is used to develop an Individualized Service Plan.

To be eligible for Assisted Living, you must first move into our community as an Independent Living resident.

Tell me about your levels of health care.

Typical Services Offered in Assisted Living:

Assisted Living provides more personal care services than available in standard independent residential living. Amenities in assisted living include:

  • Three meals a day served in a common dining area
  • Housekeeping services
  • Transportation
  • 24-hour on-site staff supervised by a licensed nurse
  • Around-the-clock security
  • Exercise and wellness programs
  • Personal laundry service
  • Social and recreational activities

Personal Care in Assisted Living Includes:

  • Staff available to respond to both scheduled and unscheduled needs
  • Assistance with eating, bathing, dressing, toileting, and walking
  • Access to health and medical services, such as physical therapy and hospice
  • Emergency call systems for each resident’s apartment
  • Medication management

To be eligible for Assisted Living you must first move into our community as an Independent Living resident.

Skilled Nursing Care at Our Health Care Center.

Skilled nursing care provides 24-hour professional care for chronic and short-term conditions that require medical, rehabilitative, and nursing care, based on physician orders.

Optimum quality of care is an important part of our values at San Francisco Towers. The Health Care Center provides a complete therapeutic program designed to regain and maintain optimal health. Professional nurses and therapists provide 24-hour supportive care and rehabilitative services supervised by the Medical Director.

Wound care, hospice care, and intravenous therapy, in addition to the rehabilitation program, are areas of focus, with emphasis on those services designed to help residents achieve maximum potential. Physical, occupational, restorative, and speech therapies are offered, and therapy is provided five days per week.

The Health Care Center welcomes personal attending physicians and when this is not possible, a physician from our physician group oversees care. San Francisco Towers’ Health Care Center accepts admissions seven days per week and accepts Medicare, HealthNet, and private pay.

Glossary of Health Care Terms.

Activities of Daily Living (ADLs)
Activities of Daily Living are routine activities that people tend to do every day without needing assistance. There are six basic ADLs: eating, bathing, dressing, toileting, transferring (walking) and continence. An individual’s ability to perform ADLs is important for determining what type of long-term care the individual needs.

Home Care

Payment and coverage is dependent upon your contract type.

Home Care describes any form of care given within the home. The type and amount of services can range and can be provided by a home health aide, home health nurse, companion, or caregiver. Specific services include intermittent care, assistance with Activities of Daily Living (ADLs), respite care, and home therapies. The term “home care” covers both medical and non-medical forms of care.

Rehabilitative Care
As a Life Plan Community offering all levels of care, our  Skilled Nursing provides rehabilitative care offering multidisciplinary and coordinated team approach of care and therapies. This care is offered for a period of time that demonstrates that physical therapy, occupational therapy, and speech therapy can be proven to improve a patient’s functional abilities.

Skilled Nursing Care
Skilled nursing care provides 24-hour professional care for chronic and short-term conditions that require medical, rehabilitative, and nursing care, based on physician orders. Patients generally rely on assistance for most or all activities of daily living (ADLs).


Social Dining

What kind of dining options are available?

San Francisco Towers offers flexible meal plans for dining in the dining room daily for breakfast, lunch and dinner as well as dinner in the casual cafe. In addition, each apartment offers a full kitchen.

What is special about San Francisco Towers dining?

  • Social dining with selection of entrées and fresh salad bar
  • Café for casual diners
  • Festive parties and gatherings
  • Personal nutritional consultation available
  • Tray service, meals for special diets, and on-site dietician available

What about guests?

We encourage you to invite guests to join you. You may make a reservation for larger parties. Please note that meals for children under 12 are offered at a reduced price.

Well-being and wellness

How can I spend my time at San Francisco Towers?

The calendar of programs and events changes daily and the items listed present only some of the opportunities available. With everything going on in the neighborhood, residents have countless choices to get connected and get involved.

Some of the activities available at San Francisco Towers include:

  • Planned regular lectures, play reading, music, and classes
  • Resident committees and volunteer opportunities
  • Multiple daily fitness classes and exercise options including Tai Chi, chair yoga, stretch & tone, and aqua class
  • A variety of social connections, such as dinners, happy hours, movie nights, mixers, bridge, and book discussions, holiday celebrations
  • Religious and interfaith services and chaplain support
  • A variety of cultural excursions, such as symphony, opera, ballet, and theater trips
  • Art classes

What do you mean by “wellness”?

Wellness at San Francisco Towers is an expanded idea of health and means more than the absence of disease. It is much more than being in good physical health, exercising regularly, and eating right. True wellness is determined by making decisions about how to live life with vitality and meaning. It is the holistic integration of eight interactive dimensions: social; emotional; intellectual; physical; occupational; financial; environmental; and spiritual. The Wellness Program at San Francisco Towers seeks to provide opportunities for residents to maximize their wellness in each of these areas.

What about fitness and exercise?

San Francisco Towers offers a variety of exercise classes to meet the needs of resident of all fitness levels. We encourage residents to participate in our comprehensive approach to wellness, which integrates exercise classes, personalized routines in the fitness center, and lectures on health topics. Classes can include: Toning; Balance and Stretching; Chair Yoga; Tai Chi; Falls Avoidance; and Aqua Fitness. To get started, San Francisco Towers provides individualized assessments and personalized exercise plans.

Our Services

What services are included in the monthly fee?

  • Weekly housekeeping and linen services
  • Interior and exterior maintenance of apartment and common areas
  • 24-hour security and emergency call and response system
  • Utilities including electricity, water, sewer, trash removal, community Wi-Fi
  • Towncar service available for medical appointments
  • Scheduled transportation to cultural events
  • Flexible dining credit
  • Wide variety of activities
  • Access to assisted living, memory care, and nursing care
  • Care management and coordination
  • Wellness clinic services
  • Chaplain services
  • Charging stations for electric cars

What services are offered for additional fees?

  • Private Transportation
  • Cable TV
  • Parking
  • Additional dining
  • Guest meals
  • Additional housekeeping
  • Personal trainer
  • Catering
  • Meal delivery
  • Home health care

What amenities are available on campus?

  • Security Services
  • Spacious Resident Centers including
    • Atrium Lobby
    • Library and Main Lounge
  • Fitness Center with indoor atrium swimming pool
  • Card Room and Meeting Rooms
  • Craft Room
  • Activities Room
  • Chapel
  • Dining Room and Casual Café
  • 12th Floor Lounge with views
  • Rooftop Garden

Contract Options

What are the contract options?

ESC offers a choice of a Lifetime Agreement and a Classic Continuing Care Agreement. Both are available in repayable or nonrepayable alternatives. Your choice of Agreement type leads to the entrance fee and monthly fee costs.

The Lifetime Agreement offers services, amenities, and health care along with the predictability of a monthly fee that does not change as a result of a changing level of care and health care needs. The Lifetime Agreement offers priority access to health care services and allows you to project your living and health care expenses over time.

The Classic Continuing Care Agreement offers residential independent living services and amenities for a monthly fee that changes as health care needs develop. Health care services are provided at a discounted rate as long as needed in addition to the monthly fee. The Classic Continuing Care Agreement is a fee for service agreement and offers access to health care services and allows you to pay for care only as needed.

What is similar about the two agreements?

Both of the agreements offer the promise of care and services for the duration of your life as a resident in the community. ESC may provide assistance for you to remain as a resident should you outlive your financial ability to pay the monthly fees.

What are the costs?

San Francisco Towers has two primary fees: the entrance fee; and the monthly fee. Residents may pay additional fees for specific services by choice.

Entrance fee defined.

San Francisco Towers requires an upfront payment of an entrance fee that varies according to the contract option and type of home you choose. The entrance fee is a one-time payment that is typically made from the proceeds of the sale of a house or other assets. Entrance fees are not paid in increments and are not financed by ESC. Depending on the type of agreement chosen, the entrance fee may have a re-occupancy repayment benefit, which means that a resident may receive a guaranteed amount returned at the end of the agreement.

Entrance fees at San Francisco Towers range from just over $187,000 for a studio apartment to over $1 million for a two bedroom deluxe apartment. To put these fees in context, you have the opportunity to choose the apartment size, the way to pay for health care services, and whether repayment is desired and factor in your personal financial goals and portfolio.

What are the monthly fees?

The current monthly fees range from just over $4,000 for a single resident in a studio apartment to just under $10,000 for two residents in a two-bedroom penthouse-style apartment. While this fee may seem substantial, it is comprehensive and it replaces many of the separate fees you may pay now to live in your current setting.

Do the monthly fees change?

As a resident, your monthly fees are typically subject to adjustment on an annual basis. These fee increases are provided with advance notice of at least 30 days and are determined based on the costs of operating the community.

Can I involve my children in this decision?

Moving to San Francisco Towers is a positive choice for your future. We welcome families to review together at this option to fully understand the advantages.

How do I help my parents with this decision?

Making the decision to move to a retirement community can seem overwhelming. To help you collaborate and make an informed decision, the following list may help guide you through the process.

  • Start by discussing the goals of the move, and visiting and getting a feel for the community.
  • Look at apartments and become familiar with costs.
  • Do you understand what’s included in the entrance fee and monthly service?
  • Are you considering both the tangible (e.g., apartment, food, transportation) and intangible (e.g., social opportunities, activities, staff friendliness) benefits when you consider value?
  • Does the value seem reasonable?
  • Do you have concerns about long-term affordability and how the costs may change if service needs change in the future?
  • Does the community answer your questions to your satisfaction?
  • Are residents warm and engaging?
  • Do they seem happy?
  • Do you “feel good” when you are in the community?
  • Look at the calendar and offerings for events, classes, programs, and activities. Would you like to participate in them regularly?
  • Is the community open to adding events, activities, or outings that you suggest or might like to lead?
  • Would you have more fun as a resident of this community than you are having in your home right now?
  • Is there opportunity to interact with the broader community?
  • Talk to residents and learn what their experience has been.
  • Do you know residents who live here? If so, have you talked with them about the community?
  • Do they like it? What advice do they give you about your possible move?
  • Can you picture some of them becoming your friends?
  • Can you picture living in the community?
  • Talk to care staff to understand the services offered to help support aging in place.
  • Do you understand all the care services this community offers?
  • Do you feel all the care services offered will meet your long-term needs?

When is the right time to move?

There is no perfect time to move, but it is important to make informed, intentional decisions, rather than react to a crisis. Staying put is comfortable and familiar, but is it the right place? Many families struggle with change because it can be overwhelming, but it can also be truly positive. Here are some questions to consider:

What are the signs that it is time to look into a move to a community?

  • You rely on others more than you used to
  • The stairs in your home have become a concern and are more fatiguing
  • Losing your community of friends
  • You have had more than one unexpected expense
  • You don’t have children or family to lean on during an emergency, OR you do not want to lean on family or friends
  • You feel like your house owns you
  • Your health is starting to change
  • You want to have more ways to keep busy
  • You don’t want to have to drive to enjoy a meal with friends
  • You worry about your spouse if something happens to you
  • You want to minimize surprises
  • Your yard and house are becoming more neglected as you have less strength for, or interest in, upkeep

What are health issues that could signal that I should move to a community?

  • Changing vision limits your night driving
  • You are not enjoying shopping for or preparing meals as much as you used to
  • You want to maintain good health
  • You are interested in regular exercise
  • You enjoy being with people
  • You want help in managing chronic conditions like high blood pressure or diabetes
  • You’ve had a health scare and recuperated
  • You and your spouse are experiencing differing levels of health

What are other factors to consider?

  • You think, “It will never happen to me”
  • Your friends have moved
  • Your family is asking about future plans
  • Your spouse may have trouble managing if something happens to you
  • You seek more intellectual opportunities
  • You feel like you are slowing down
  • You have trouble sleeping
  • You are facing a major home repair in the next year
  • You want to stay in control
  • You don’t want your children to make decisions for you

Our Community

How can I get involved at San Francisco Towers?

All residents of San Francisco Towers are automatically members of the San Francisco Towers Residents’ Association, which is governed by the Residents’ Council. The Association and Council act in an advisory capacity to the Executive Director and provide a channel of communication between the Executive Director and the residents relating to matters affecting all or a significant number of members. The Association does not in any way abridge direct contact between the resident and the Executive Director on matters of individual concern. The Association promotes the health and welfare of all residents and aims to enrich the quality of life for all residents by assisting staff to organize, assess, and support recreational, cultural, educational, and other beneficial activities and programs.

A partial list of these committees include:

  • Finance
  • Nominating
  • Program
  • Food and Beverage
  • Health Services
  • New Residents Welcome
  • Library
  • House
  • Communications
  • Pet Club
  • Flower Committee

What is available close by San Francisco Towers?

At San Francisco Towers, we live in a bustling, and elegant and historic residential and commercial neighborhood, with an eclectic mix of sights and culture just steps away. Come to enjoy the dynamic group of businesses, from shopping and dining to personal and professional services. With the bonus of BART, bus lines, and 101 and 80 freeways close by, this is more than just an exciting setting, it is connected to the best of the Bay Area and to everywhere you are involved.

Explore Pacific Heights Neighborhood below.

San Francisco Towers local places of interest and proximity

  • Whole Foods 0.2 mile
  • Grace Cathedral 0.7 mile
  • Lafayette Park 0.3 mile
  • Davies Symphony Hall 1.1 miles
  • SFJAZZ Center 0.9 miles
  • San Francisco Opera 0.8 mile
  • Golden Gate Park/Fine Arts Museums 3.5 miles
  • Theatre District 0.6 mile
  • Civic Center – BART 1.1 mile
  • Buchanan YMCA  0.7 mile
  • St. Francis Memorial Hospital 0.3 mile
  • Embarcadero 2 miles
  • Fort Mason Center for Arts & Culture 1.7 mile
  • Union Square 1.3 miles
  • San Francisco Zoo 8.3 miles
  • UCSF Medical Center 1.3 miles
  • AT&T Park (Giants Stadium) 3.4 miles
  • Kaiser Pemanente Occupational Health Center 0.6 mile
  • San Francisco Airport 13.5 miles
  • Trader Joes 0.3 miles
  • California Academy of Sciences 2.7 miles


Learn more about Pacific Heights, San Francisco

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