8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)
July 5, 2006 (July 5, 2006)

ADVOCAT INC.

(Exact name of registrant as specified in its charter)

Delaware	001-12996	62-1559667
(State or other	(Commission File Number)	(Employer
jurisdiction of incorporation)		Identification Number)

1621 Galleria Boulevard Brentwood, TN 37027-2926
(Address of principal executive offices)

(615) 771-7575
(Registrant’s telephone number, including area code)

Not applicable
(Former name or former address, if changed since last report)

     Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

     o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

     o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

     o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

     o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	Item 8.01. Other Events
	Item 9.01. Financial Statements and Exhibits.
SIGNATURES
EXHIBIT INDEX
EX-99.1 PRESS RELEASE 07/05/06

Item 8.01. Other Events

On July 5, 2006 Advocat Inc. (the “Company”) announced it has entered into a commitment with Capmark Finance Inc. for a comprehensive refinancing of the Company’s long term debt. A press release regarding this announcement is attached as an exhibit hereto.

Item 9.01. Financial Statements and Exhibits.

     (c) Exhibits

Number		Exhibit
	99.1	Press release dated July 5, 2006

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ADVOCAT INC.
By:	/s/ L. Glynn Riddle, Jr.
	L. Glynn Riddle, Jr.
	Chief Financial Officer

Date: July 5, 2006

EXHIBIT INDEX

Number		Exhibit
	99.1	Press Release dated July 5, 2006.

EX-99.1

                                                                    Exhibit 99.1


                               (AVC ADVOCAT LOGO)

Company Contact:                                            Investor Relations:
William R. Council, III                                     Rodney O'Connor
President and CEO                                           Cameron Associates
(615) 771-7575                                              (212) 554-5470



             ADVOCAT ANNOUNCES COMPREHENSIVE REFINANCING COMMITMENT

BRENTWOOD, Tenn. -- (July 5, 2006) -- Advocat Inc. (OTC BB: AVCA) today
announced it has entered into a commitment with Capmark Finance Inc. for a
comprehensive refinancing of the Company's long term debt.

Under the terms of the commitment, Capmark will provide mortgage debt of
approximately $22.5 million with a five year maturity and a term note of
approximately $8.1 million with a four year maturity to refinance the Company's
remaining mortgage and bank term debt. Final terms remain subject to
negotiation, and the transaction is expected to close during the third quarter
of 2006.

Will Council, President and CEO, stated, "The completion of this refinancing
will be a major milestone in the turnaround of Advocat. The new agreement will
bring the remaining debt covenants into compliance and strengthen our balance
sheet by providing long term maturities."

Advocat Inc. provides long-term care services to nursing home patients in eight
states, primarily in the Southeast. The Company has 43 centers containing 4,505
licensed nursing beds.

FORWARD-LOOKING STATEMENTS

Forward-looking statements made in this release involve a number of risks and
uncertainties, including but not limited to, uncertainty regarding our ability
to complete the described transaction, changes in governmental reimbursement,
government regulation and health care reforms, the increased cost of borrowing
under our credit agreements, covenant waivers from our lenders, possible
amendments to our credit agreements, ability to control ultimate professional
liability costs, the accuracy of our estimate of our anticipated professional
liability expense, the impact of future licensing surveys, the outcome of
regulatory proceedings alleging violations of laws and regulations governing
quality of care or violations of other laws and regulations applicable to our
business, changing economic conditions as well as other risk factors detailed in
the Company's Securities and Exchange Commission filings. The Company has
provided additional information in its Annual Report on Form 10-K for the fiscal
year ended December 31, 2005, as well as in other filings with the Securities
and Exchange Commission, which readers are encouraged to review for further
disclosure of other factors that could cause actual results to differ materially
from those indicated in the forward-looking statements. Advocat Inc. is not
responsible for updating the information contained in this press release beyond
the published date, or for changes made to this document by wire services or
Internet services.

For additional information about the Company, visit Advocat's web site:
http://www.irinfo.com/avc
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