Nearly one in five Connecticut residents is at least 60 years old. Seniors are one of the fastest-growing segments of the population, and by 2030, nearly 26% of the state’s citizens will reach this milestone. An aging population means that more adults will require in-home care, especially given the fact that nearly nine out of 10 seniors say that they would prefer to age in place if they had a choice.

Connecticut seniors have access to a wide range of community-based services that can help them live independently. Senior centers, Area Agencies on Aging and local nonprofits provide a variety of essential services. The state also offers programs, including Medicaid waivers, that help with the cost of in-home care, which ranges on average from $4,195 – $4,576 per month. Seniors who are interested in aging in place can learn more about home- and community-based services in this guide. It also covers government-sponsored benefits, caregiver resources and free programs that can help residents access in-home support and medical care.

The Cost of In-Home Care in Connecticut

In-Home Care Costs in Nearby States

Connecticut is one of the most affordable areas for long-term in-home care within New England and the New York City Tri-State area according to the 2019 Cost of Care Survey conducted by Genworth Financial. Seniors in Connecticut pay $4,195 per month on average for homemaker services based on 44 hours of weekly care, including assistance with cooking, cleaning, errands and household chores. Rates are slightly lower than the U.S. median of $4,290 and $570 lower than New York and New Jersey where residents pay $4,767 per month on average. Connecticut is also $970 or about 20% more affordable than Massachusetts and Rhode Island.

$4195

Connecticut

$4290

United States Average

$5148

Rhode Island

$5186

Massachusetts

$4767

New York

$4767

New Jersey

Cost of Other Types of Care in Connecticut

In-home services are among the most affordable types of long-term care in Connecticut. Seniors pay about $4,196 per month of care or about $1,049 per week for full-time homemaker services. Rates are slightly higher for home health aides who are qualified to provide more extensive personal services.

Although monthly rates for home care are only $685 lower than assisted living facilities, which provide personal care as well as room and board, home health providers give seniors the freedom to stay in a familiar environment while enjoying maximum independence. Residential services are best suited for high functioning adults who require periodic daily assistance but don’t need the full-time medical care provided by skilled nursing facilities. Average rates for nursing homes are almost three times higher, which makes in-home care an attractive and low-cost alternative for seniors who want to live on their own.

$4196

In-Home Care

$4579

Home Health Care

$1842

Adult Day Care

$4880

Assisted Living Facility

$12699

Nursing Home Care

The Cost of In-Home Care in Connecticut’s Top Cities

Comparing Costs Across Connecticut

The cost of in-home care in Connecticut varies by roughly $475 month depending on geographic location and the local provider. For the most part, rates in the state’s largest cities are close to the regional average. In Bridgeport, Connecticut’s largest city, seniors pay $4,385 per month for in-home care, which is $190 higher than the state average. Residents in coastal New Haven, which is best known as the home of Yale University, pay $286 less than the state median per month of care. Rates in nearby Springfield, Massachusetts, are $575 more expensive than those in Connecticut, which makes the Nutmeg State ideal for seniors who want to get the best value for their money while aging in place.

$4195

Hartford

$4195

Norwich

$4385

Bridgeport

$3909

New Haven

$4767

Springfield, MA

Financial Assistance for In-Home Care in Connecticut

Connecticut Home Care Program for Elders

The Connecticut Home Care Program for Elders is a comprehensive Medicaid waiver designed to help financially and medically eligible seniors live in the community and avoid moving to a health care institution. It covers a wide variety of products and services, including personal care attendants, homemaker services, adult day health care and case management. Benefits are also available for emergency response systems, minor home modifications and assistive technology.

Who Is Eligible?
This program serves adults aged 65 and older. Seniors must require assistance with activities of daily living or need a nursing home level of care. Qualification is also based on the applicant’s income and assets. Benefits for those under the age of 65 are available through the Connecticut Home Care Program for Disabled Adults.

How to Apply
Residents can learn more about the program and the application process or request a referral by contacting Ascend at (800) 445-5394. Applications are also available online.

National Family Caregiver Support Program

Many seniors who choose to live at home rely on family members and informal caregivers to help them retain their independence. Connecticut residents who care for a disabled adult or elderly relative may qualify for benefits through the National Family Caregiver Support Program, which is funded by the Older Americans Act and administered by Area Agencies on Aging statewide. Funds from this program can be used for supplemental in-home assistance, respite care, counseling or training to ensure that caregivers have the physical and emotional support they need to assist their loved ones.

Who Is Eligible?
The National Family Caregiver Support Program is open to Connecticut residents who care for a family member who is over the age of 60, disabled or living with dementia. Eligibility is based on the care receiver’s income. For individuals who earn more than 100% of the poverty level, a share of cost donation is required.

How to Apply
Applications are handled by Area Agencies on Aging statewide. Seniors and caregivers can call the AAA hotline at 1-800-994-9422 to learn more.

More Ways to Pay for In-Home Care

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost In-Home Care Resources in Connecticut

Connecticut residents who are looking for more information about in-home care will find a variety of resources through government agencies and nonprofit groups. These organizations can provide information, assistance and referrals, and many offer services for free or on a sliding scale.

CT Healthy Living Collective

860-589-6226This cooperative is supported by state, local and regional agencies dedicated to promoting healthy aging and helping Connecticut seniors live safely in the community. It sponsors wellness workshops, educational events and fitness classes statewide.
Connecticut Association for Healthcare at Home

203-265-9931This industry association represents home health care providers across Connecticut. It engages in advocacy, provides information about state regulations and publishes consumer resources related to in-home care, hospice and state-sponsored benefits.
Live Well

800-537-2549Live Well is an evidence-based chronic disease self-management program developed by Stanford University and available through Area Agencies on Aging across Connecticut. It’s designed to help adults and caregivers manage chronic medical conditions, such as hypertension, diabetes, arthritis, heart disease and COPD.
My Place CT

211This free online resource is operated by the Connecticut Department of Social Services and a group of partner agencies. My Place CT connects seniors, caregivers and disabled adults with information about state and local services, including in-home care, meals, housing and transportation. It also provides information about financial resources that can help with the cost of long-term care.
Connecticut Partnership for Long-Term Care

1-800-547-3443Sponsored by the state and a group of private insurers, the Connecticut Partnership for Long-Term Care provides consumer counseling, public events and reader-friendly information packets. These resources are designed to help residents compare long-term care insurance policies and qualify for Medicaid while protecting their hard-earned assets.
Support Groups

211Connecticut is home to more than 50 support groups for caregivers and care receivers. Specialized resources are available for veterans and individuals affected by specific conditions, such as cancer, disabilities, dementia and Alzheimer’s disease.
Area Agencies on Aging

860-424-5055Connecticut’s five Area Agencies on Aging serve caregivers, disabled adults and seniors aged 60 or older. These nonprofits provide informational services and can help residents apply for government-sponsored benefits. Specialists provide insurance counseling, long-term care planning and referrals for support groups, delivered meals and community-based supports.
Municipal Agents for the Elderly

211Municipal Agents for the Elderly are available in 169 cities statewide. These government-appointed officials serve concerned citizens and residents who are 60 older. They provide personalized information about state, federal and local resources, including transportation, community services, Medicare and nutritional support.

In-Home Care Laws and Regulations in Connecticut

Home health care agencies are licensed by the Connecticut Department of Public Health, and homemaker-companion agencies must register with the Department of Consumer Protection. The state also has additional regulations about which services these agencies can provide.

Scope of CareCompanion services provide basic nonmedical supervision, and homemakers assist with daily activities, such as cooking, cleaning and personal hygiene. Home health care services can provide a variety of medical services, such as registered nursing, infusion therapy and hospice.
Care Plan RequirementsHomemaker-companion agencies and home health care agencies must provide a written contract or plan of care for each client. This document must specify the type, frequency and duration of all services. Additional items, such as funding sources, are required in some cases.
Medication Management RequirementsHomemakers and home health aides may offer medication management if they have completed an appropriate certification and follow the company’s written policies and procedures.
Staff Screening RequirementsSince 2016, the Connecticut Department of Consumer Protection has required background checks for all professionals employed by home health care or homemaker-companion agencies. Consumers are advised to request a copy of such documents.
Staff Training RequirementsHomemaker health aides must pass a competency exam and have at least 75 hours of training as a certified nursing assistant. There’s no training requirement for professionals employed by homemaker-companion agencies.
Medicaid CoverageConnecticut’s Medicaid program HUSKY Health covers in-home care through waivers, such as the Connecticut Home Care Program for Elders. Eligibility is based on functional and financial criteria.
Reporting AbuseInstances of elder abuse, exploitation and neglect must be reported to the Connecticut Department of Social Services, Protective Services for the Elderly. Health care professionals and other mandatory reporters can reach the agency by calling 1-888-385-4225.

Frequently Asked Questions

How much does in-home care cost in Connecticut?

In-home assistance typically costs $4,195 to $4,576 per month. These estimates are for 44 hours of weekly nonmedical service related to activities of daily living. Costs may be lower or higher depending on geographic location and the level of assistance required.

Does Connecticut HUSKY Health pay for in-home care?

HUSKY Health pays for in-home care through Medicaid waivers designed especially for home- and community-based services. One such waiver is the Connecticut Home Care Program for Elders, which is available to residents who are 65 or older and have demonstrated physical and financial need. It covers the cost of personal assistance and many additional supports and services.

Are there programs to cover home modifications in Connecticut?

Minor home modifications are covered by the CHCPE Medicaid waiver. Shower grab bars, handrails and wheelchair ramps can be vital for helping seniors live safely in the community. Although there may be a waiting list for waiver-based services, seniors may be able to access similar assistance through community organizations, such as Habitat for Humanity and Rebuilding Together.

What does it mean to age in place?

According to the Centers for Disease Control and Prevention, aging in place relates to residents’ ability to live safely, comfortably and independently in their own home and community regardless of their age, income or physical abilities. According to AARP, more than 87% of seniors say that they would prefer to age in place.

What supports can help me age at home?

Living at home involves a wide range of simple and complex tasks that can become more difficult over time. Seniors who want to age in place may benefit from assistance with household chores, cooking, cleaning, shopping and financial matters. Caregivers and home health agencies can also assist with medical care and activities of daily living. Community-based supports include companionship visits and programs that give older adults access to social and recreational opportunities. Many of these supports can be accessed through local senior centers and regional Area Agencies on Aging.

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