The quality signal senior housing has been waiting for.
CMS Five-Star rates only skilled nursing. Every other setting - the assisted living, memory care, independent living, and CCRC communities where the majority of care happens - has had no equivalent. A hospital discharge planner choosing between six AL facilities at 4pm Friday works on relationships and gut feel. A REIT underwrites $80M of senior housing assets on a site visit and a reputation. A Medicare Advantage plan picks a post-acute network without an auditable quality signal.
SilverScore is the rating that closes that gap. Methodology-governed, council-reviewed, transparent about its data sources, priced on use case rather than feature depth.
Illustrative. Live ratings launch following advisory council review.
Every potential incumbent has a reason they cannot build this.
The demand is decades old. The supply is absent. It persists because each of the players who could fill it is structurally prevented from doing so.
Skilled nursing facilities only. Extending scope to AL and IL would require congressional action and multi-year rulemaking.
Opt-in survey methodology. Coverage is partial. Consumer-facing, not institutional.
Satisfaction research on operators with 7,000+ units across 10+ states. Excludes most of the industry.
Market data infrastructure for transaction analysis. Not a quality rating.
Publishing external ratings of their own paying customers would end those customer relationships. Structural conflict of interest.
Noisy, subject to recency bias and gaming. No clinical or operational data underlying them.
A FICO-class rating, adapted to senior housing.
FICO solved a coordination problem: lenders needed a trusted, standardized, portable signal based on real behavioral data, comparable across entities, actionable for decisions, and designed so the scored party had incentives to improve.
Senior housing quality intelligence has the same four properties. SilverScore adapts the reference class: a family of dimension-specific scores plus a composite, built on clinical, operational, workforce, and reputation signals, with independence secured through methodology governance and council oversight.
- Universal scopeEvery facility in scope is rated, whether or not any affiliated operator is a commercial customer.
- Contribution narrows uncertaintyOperator data contribution shrinks the confidence band around a rating. It does not shift the rating favorably.
- Published, versioned methodologyDimensions, approach, and update history are public. Weightings are maintained by the methodology team under advisory council oversight.
- Commercial separationThe methodology service is architecturally isolated from operator-facing commercial systems. Engineers on the commercial side cannot adjust scoring.
Five dimensions. One composite. Each one has its own improvement pathway.
A single composite score suffers from aggregation loss. SilverScore publishes dimension-level scores plus a top-level composite, following the same evolution that took FICO from a single number to a family of industry-tuned scores.
Hospitalization and readmission rates, emergency transport frequency, falls, wound and infection incidence, medication signals. Risk-adjusted for resident acuity.
Occupancy trajectory, length of stay, move-out reasons, care-level progression, census stability through market variation.
Turnover by role, consistency of assignment, training completion, staffing ratios relative to acuity, wage percentile against market.
Family and resident sentiment, complaint records, regulatory action history. Normalized for review noise and gaming.
Top-level rating for summary use cases. Published, versioned weighting. Dimension scores remain available for high-stakes decisions.
Independence is secured by structure. Not by promises.
A rating agency cannot credibly rate entities that are also paying customers under the same brand. The independence story is not a disclaimer. It is enforced by separate product teams, separate brands, separate architectural boundaries, and an advisory council that owns methodology.
SilverScore is operated by SilverOcean under a governance structure designed to evolve into legal entity separation as the rating business matures.
Every facility is rated whether or not its operator is a commercial customer. Subscribing does not buy a rating. Not subscribing does not prevent one.
The decisions that currently run on informal signals.
Reduce readmission exposure with a methodology-governed signal for every AL, IL, and MC facility in your service area. Integrate via API; document the basis for referral decisions.
Direct beneficiaries to higher-quality post-acute settings. Close the CMS Five-Star gap for non-SNF placements with an auditable rating.
Facility-level quality intelligence for portfolio management, acquisition diligence, and operator selection. Cohort-level data licensing available.
General and professional liability underwriting. Compliance, workforce stability, and clinical signals feed pricing and capacity decisions.