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The 10 Best Home Care Agencies for Seniors in Windsor, CT for 2024

Located in Hartford County, Windsor is a town of over 29,000 residents, 18.8% of whom are seniors aged 65 and older. Low housing and health care costs make it an affordable option for seniors, in comparison to the average city in Connecticut. The town sees low crime rates, and several top medical facilities, including Hartford Hospital and St. Francis Hospital, are within close proximity. Windsor is home to numerous historical homesteads, antique museums and notable sites. According to the Genworth Cost of Care Survey 2021, the average cost of home care in the Windsor area is $5,329 per month. Seniors who require more focused care and attention may consider home health services.

Below we’ve compiled a comprehensive directory of every home care provider in Windsor– complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Windsor, CT

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Paying for Home Care in Windsor, CT

The Cost of Home Care in Windsor, CT

As Windsor is a suburb of Hartford, the two cities share the same care costs. Seniors in this area typically pay an average of $5,329 per month for home care services, which is slightly more expensive than the state median. These rates are about $370 higher than the national average. Home care in cities such as Bridgeport and nearby Springfield, MA, costs around the same as in Windsor, while rates in New Haven are a bit lower. At $5,506 per month, the Norwich area has some of the state’s highest home care costs.

Windsor

$5,329

Connecticut

$5,243

The United States

$4,957

Bridgeport

$5,339

New Haven

$5,243

Norwich

$5,506

Springfield, MA

$5,339

The Cost of Home Care vs. Other Senior Care Options in Windsor, CT

Budget-conscious seniors who require full-time assistance may consider assisted living, as it’s slightly less expensive than both home care and home health care services. At $1,896, adult day care is the most affordable option for individuals who only need part-time supervision. Older adults with more complex medical needs may find a nursing home to be the best choice. Because they offer 24–7 supervision and specialized medical care, they’re the most expensive option, with rates over $7,900 higher than in-home care.

Home Care

$5,329

Home Health Care

$5,577

Adult Day Care

$1,896

Assisted Living Facility

$5,225

Nursing Home (semiprivate room)

$13,247

Note: Data for Windsor was not available, so data for the nearest city, Hartford, was used instead.

Financial Assistance for Home Care in Windsor, CT

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Windsor Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Windsor:

ResourceContactAddressService
Windsor Social Services(860) 285-1839275 Broad Street, Windsor, CT 06095Windsor Social Services can assess the needs of seniors and connect them with helpful local and state programs. The trained caseworkers are available in the office or can make home visits for assessments if needed.
Connecticut Home Care Program for Elders (CHCPE)(800) 445-5394555 Farmington Avenue, 9th Floor, Hartford, CT 06105Administered by the Department of Social Services, the CHCPE coordinates in-home care services so that eligible seniors can delay or prevent admission to a nursing facility. Applicants must be at least 65 years old, be at risk of institutional placement and meet the program’s financial criteria. Services may include care management, companionship, homemaker services, meal deliveries and adult day health services. Clients may also qualify for assistive technology, personal emergency response systems and minor home modifications.
Meals on Wheels(860) 560-5848555 Windsor Street, Hartford, CT 06120Meals on Wheels delivers hot, nutritious lunches to seniors in Hartford, Middlesex and Tolland Counties. The program can accommodate special dietary requests, including cold and double meals. A donation of $3 per meal is suggested but not required. Participants must be at least 60 years of age, be assessed as medically homebound and unable to eat at a congregate meal site. This program is administered by the nonprofit Community Renewal Team, Inc.
Dial-A-Ride(860) 285-1996599 Matianuck Avenue, Windsor, CT 06095Dial-A-Ride is the Town of Windsor’s door-to-door transportation service for seniors. Older residents can reserve trips for medical appointments, grocery shopping, cultural and sporting events and errands. Passengers must be able to enter and leave their home on their own or with assistance from their escort. Vehicles are equipped with wheelchair lifts.
North Central Area Agency on Agency(860) 724-6443 or (800) 994-9422151 New Park Avenue, Hartford, CT 06106The North Central AAA is a portal where seniors and their family members can access information and referrals for local and state resources related to aging. It administers the Community Choices program, which offers individualized care planning, advocacy and counseling for long-term support services. The AAA also coordinates health promotion programs as well as caregiver training and respite care services.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

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Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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