Explore the Community

Residential Living

Explore a Community Within a Community

Ready to free yourself from home upkeep and embark on a new adventure? At SpiriTrust Lutheran®, The Village at Utz Terrace, you’ll enjoy active, independent retirement living in a maintenance-free cottage or apartment that suits your taste at a cost that fits your budget. View our photo gallery for a glimpse of life in our welcoming community.

Your comfortable Residential Living residence is only the beginning of community life. Because our faith-based community is such an integral part of the Hanover community, you may find that you know many of the residents and staff before you move in! Every day, you’ll discover new activities and explore new interests. Life at The Village at Utz Terrace is as rich in experiences as it is in friendship.  

And, because we are a Continuing Care Retirement Community (CCRC), residents and families also have the peace of mind, knowing that Personal Care, Skilled Care, Rehabilitation Services, Low-income Housing and SpiriTrust Lutheran® Home Care & Hospice are available if needed.

Click here to view a map of the community.

Residential Living FAQs

Why should I choose The Village at Utz Terrace?

There are many reasons to choose our senior living community. Some people choose us because of our active social and cultural life or our close proximity to the attractions of Baltimore, Washington, D.C., Frederick and Harrisburg. Others move here to be closer to their adult children and grandchildren in nearby Maryland, yet still benefit from Pennsylvania’s low taxes and cost of living. Still others currently live in the Hanover area and want to maintain their ties to community organizations, churches, family and friends.

Last, The Village at Utz Terrace is a wonderful choice because it is backed by the strength of SpiriTrust Lutheran®. SpiriTrust Lutheran® is a faith-based, not-for-profit provider of senior citizen housing and other services, which places people before profits. At SpiriTrust Lutheran®, we don’t just serve the community; we are actively involved in it. Our role is to provide the foundation for a healthy community by offering access to quality care, services and lifestyle options. We are firmly committed to ensuring that community needs are met.

Must I be a member of a Lutheran church to be accepted for admission?

No. Our mission to serve was born out of faith — faith that guides every decision we make about those who turn to us for care. That faith is what sets us apart. While our beliefs are firmly rooted in our Lutheran heritage, we recognize that faith is different for everyone. We warmly welcome those with differing faith journeys and life experiences.

Do I have to be a resident of The Village at Utz Terrace to be admitted to a Personal Care residence or Skilled Care Center?

No; however, current residents of our retirement community have priority access to higher levels of care. Visit our Personal Care and Skilled Care pages to learn more.

Is there a minimum age for residency?

Yes. Residents must be at least 62. In cases where couples or co-residents would like to join our retirement living community, one partner must be 62, and the other must be at least 55.

Are pets permitted?

Yes. Unlike some types of senior citizen housing, we are a pet-friendly retirement community. We even offer a fenced-in dog exercise area.

Is smoking permitted in residences?

No. All of our senior living communities, including The Village at Utz Terrace, are smoke-free. It is our desire to offer a safe and healthy retirement living environment.

May a guest visit overnight?

Guests are always welcome to visit and stay in your home for up to two weeks.

Do residents have an opportunity to garden?

Yes! At The Village at Utz Terrace, you may have your own garden plot. Our gardeners are an active group!

What type of heat is in the cottages?

It varies from cottage to cottage.

As a resident of The Village at Utz Terrace, what type of insurance should I have to protect my personal possessions?

You need renter’s insurance in amounts that will be explained by the director of senior living sales and marketing (DSM). You should also retain your health, auto, liability, life and long-term care insurance coverage, if applicable, just as though you were living outside of a Continuing Care Retirement Community (CCRC).

Do I need long-term care insurance to move to The Village at Utz Terrace?

While it’s not mandatory, long-term care insurance might help to cover the costs of Assisted Living services, Memory Support Care services, Skilled Care services or Home Health Care services. If you have long-term care insurance, please check the terms of your policy.

May I upgrade my appliances, carpet or fixtures; paint my walls; or add a sunroom or screened porch?

Upgrades, remodeling and additions to resident cottages or apartments must be discussed in advance with the director of senior living sales and marketing (DSM). If approved, any modifications will be at the resident’s expense.

If a modification to my residence is approved, must I contract for the work myself, or will it be done through SpiriTrust Lutheran®?

The director of senior living sales and marketing (DSM) will price upgrades, remodeling and additions. An estimate will be provided to the resident in writing and, upon agreement, will be performed either by SpiriTrust Lutheran® team members or an outside contractor hired by SpiriTrust Lutheran®.

Is staff housekeeping available apart from or in addition to my monthly plan?

You can purchase housekeeping and additional maintenance services according to your needs. For further information, please refer to our Schedule of Charges.

Are there additional costs or fees other than the monthly fees, cost to move in, cable hook-up and telephone service?

Electricity and gas are not included in the monthly service fee for cottages, although they are included with apartments.

Are there any hidden fees similar to condominium or maintenance fees?

There are no hidden charges.  

If I live in a Residential Living unit, then need extra assistance, can I move into a Personal Care setting? How is the transition handled?

An advantage of moving to our retirement living community is that it offers multiple levels of living, each with its own life-enriching activities and programs. Residents can move through the continuum of care, as needed and appropriate. This is what makes our community a Continuing Care Retirement Community, or CCRC. Visit our Personal Care and Skilled Care pages to learn more.

What happens to my cottage or apartment if I move to Personal Care?

If you move from Residential Living to Personal Care, you would continue to pay your monthly fee for your cottage or apartment until relinquished, as well as the per-diem rate for Personal Care.

Does Medicare cover some of the costs of Personal Care?

No. Medicare is your health insurance and does not cover Personal Care. Medicare frequently covers Skilled Care and Rehabilitation for up to 100 days, following at least three (3) days in the hospital. A co-pay is required after twenty (20) days. For more information about Medicare, contact the Social Security Administration at 800.772.1213.

How do I join the waiting list?

Your name will be added to the waiting list simply by completing an application and submitting it with a $250 application fee. A financial disclosure form is part of the application.

Once I am placed on the waiting list, am I allowed to turn down a home should one become available? Is there a limit to the number of times I can turn down a home without consequence?

You can turn down any unit offered; however, after your second refusal of a particular type of unit, you will be dropped to the bottom of the waiting list for that unit. Your status on the lists for other types of units will remain unchanged.

If my funds deplete, will I be asked to leave SpiriTrust Lutheran®?

No. As long as you abide by the rules and regulations of SpiriTrust Lutheran®, have not unethically spent down your funds, and maintain your eligibility for medical assistance and other third-party reimbursements, you will not be required to leave.

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