Page Reviewed / Updated - May 2018
This page serves to help residents of Connecticut better understand the costs associated with various forms of elder care throughout their state. This includes assisted living, in-home care, and adult day care. It also explores various financing options, as well as monetary aid to help with affordability of aging care.
To search for additional financial assistance at a national level, please use our Resource Locator Tool. This will help give a view of all assistance options, as opposed to just resources at the state level for Connecticut, and will allow you to choose the best program for your situation.
Cost of Care Calculator
The average cost of assisted living in Connecticut in 2018 is $5,020 / month. That being said, the range of cost throughout the state is quite large, with the range between $2,620 / month to $10,870 / month. In the most expensive areas of the state, Hartford and the Bridgeport-Stamford-Norwalk area, the monthly average cost is between $5,270 and $5,290. The least expensive assisted living can be found in the Norwich-New London area. Here, the monthly average is slightly lower than the state average at approximately $4,270 / month.
Memory care runs between $870 - $1,270 more each month for persons with Alzheimer's, or other forms of dementia, that require constant supervision, but not constant care.
The average hourly rate for home care across Connecticut is fairly consistent at approximately $20.75 in 2018. The least expensive areas of the state for home care is the Hartford area, where the cost is closer to $20 / hr. The New Haven area is also under the average state cost at $20.25 / hr. In the more expensive Bridgeport-Stamford-Norwalk area, the cost averages $22.75 / hr. While these differences may appear minor, over the course of a year's home care, they can add up to several thousand dollars difference. For individuals that need a bit more care, home health care is available, and is on average $2.75 more an hour than home care.
Adult day care is the most affordable care option for seniors and their families. In 2018, the average daily cost in Connecticut is $62 throughout the state. However, the state has great volatility in its costs for this type of care, which ranges from $24 - $90 / day. The most expensive areas of the state are Hartford, New Haven, and Norwich, where the average daily cost of adult day care is between $84 and $88. Adult day care is typically billed in half-day increments. By this measure, adult day care in CT is roughly half the cost of home care for an equivalent period of time.
Like all states, Medicaid (also called HUSKY Health) in Connecticut will cover the cost of nursing home care for elderly and frail individuals with limited financial means. The state Medicaid program will also provide limited personal care at home. Via the state plan, Medicaid enrollees have the option to self-direct their own care.
The Community First Choice (CFC) State Plan Option is a plan created from the launch of the Affordable Care Act. It offers elderly residents the option to choose who will provide them with various types of help in order for them to remain living in their homes. With this option, family members can be hired to provide personal care.
To learn more, click here.
The state of CT also offers HCBS (Home and Community Based Services) Medicaid Waivers. These waivers are intended to help individuals who would otherwise require nursing home care to remain living at home or in the community. HCBS Waivers, unlike the state Medicaid plan, have caps on enrollment. This means, at times, there are waiting lists for these programs. Currently, Connecticut offers three Medicaid-based waiver assistance programs relevant to the elderly.
1) Personal Care Assistance (PCA) Program – Designed with persons in mind who need help completing basic daily living activities, this program provides personal care, adult day care, and medical alert services. After the Community First Choice option for the state Medicaid plan was introduced, this plan no longer follows the “self-direct” model. To learn more about this waiver program, click here.
2) Assisted Living Program (CHCPE Alternative Care Unit) – This program is designated to give care in assisted living residences. It is open to residents that are eligible and ineligible for Medicaid. Find out more details here.
3) Adult Family Living (AFL) Program – This program, which is also called Caregiver Homes of Connecticut, is similar to adult foster care. Financial and supportive assistance is provided and enables seniors to live in a private home with a family member or friend. For more information, click here.
The state of Connecticut requires that in order to qualify for Medicaid as a disabled or elderly person, one must be a resident of the state, and be at least 65 years of age, or under the age of 65 and disabled. The asset limits are set at $1,600 for single persons, and $2,400 for married couples. That said, several assets are considered exempt, or put another way, not counted towards eligibility purposes. This includes one’s home (up to an equity value of $858,000), household furnishings, personal belongings, an automobile, and prepaid funeral and burial arrangements. Income limits also apply for Medicaid eligibility. However, there are many exceptions. Generally speaking, single applicants with income less than 300% of the SSI Federal Benefit Rate (FBR) should be eligible. As of 2018, this figure is equivalent to $2,250 / month. Persons with income and / or assets over these limit(s) may still qualify by working with a Medicaid planning professional to assist with reallocation of assets and income. Read more about this option.
The state of Connecticut offers three non-Medicaid assistance programs for the disabled and elderly residents of Connecticut. These programs are intended to provide financial assistance for housing or services in order to keep them from having to leave their homes and move to more expensive nursing homes. Click on the programs below to get more information on specific benefits and eligibility guidelines.
1) Connecticut Home Care Program for Elders (CHCPE) – seniors receive personal care in their home, a foster home, or assisted living facility. Other services, such as adult day care, delivered meals, minor home modifications, and personal emergency response systems are covered.
2) Congregate Housing Services Program (CHSP) – this program has 13 locations offering subsidized housing with personal care services, and other benefits, like hot meals, housecleaning, and transportation assistance.
3) Connecticut Statewide Respite Care Program - provides adult day care and homemaker services. This program is intended to give primary caregivers a break from their caregiving duties. The care recipient must have a diagnosis of Alzheimer’s disease or a related dementia.
Financial assistance for aging care is not limited to just the state of Connecticut. There are also federal programs from a diversity of agencies, Veterans options, as well as non-profit assistance. For a complete view, and to find the program most suitable for your situation, please use our Resource Locator Tool. There is no fee to use this invaluable tool.
Due to the widely varying range of prices for all types of elder care throughout Connecticut, it is strongly recommended that one contacts several potential providers in order to find the best and most affordable care.
Senior care costs in the New England region are much higher than the surrounding areas. This organization provides a free service to help match the unique care and budgetary needs of individuals and families.
Click here for assistance with finding differing forms of affordable care.