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

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Fairfield, CT, residents and their loved ones rate In Home Care agencies 4.96 out of 5 stars across the 92 options below.

Home Care Agencies in Fairfield, CT

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Paying for Home Care in Fairfield, CT

The Cost of Home Care in Fairfield, CT

According to the Genworth Cost of Care Survey 2021, Fairfield’s home care providers cost $382 per month more than the national average. The city’s average cost is similar to the state’s as a whole, however, and there is little difference in cost between the four Connecticut cities included in the survey. Home care in the closest surveyed city, New Haven, has an average of $96 below that of Fairfield, and the cost is just $10 lower in Hartford. Seniors to the east in Norwich pay $167 per month more.

Fairfield

$5,339

Connecticut

$5,243

The United States

$4,957

New Haven

$5,243

Hartford

$5,329

Norwich

$5,506

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

Seniors in Fairfield pay the same average rate for home care and home health, with the latter being able to provide light medical care and supervision requiring certified personnel. Depending on the individual, in-home care may be replaced by adult day health programs, which cost $3,720 less. Assisted living provides 24/7 personal care and supervision at an increase of $934 per month, whereas nursing homes cost three times as much as home care.

Home Care

$5,339

Home Health Care

$5,339

Adult Day Health Care

$1,619

Assisted Living Facility

$6,273

Nursing Home Facility (semiprivate room)

$16,805

Note: Data for Fairfield was unavailable, so data for the nearest city, Bridgeport, was used instead.

Financial Assistance for Home Care in Fairfield, 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.

Free & Low-Cost Home Care Resources in Fairfield, CT

There are several agencies and organizations in Fairfield that help seniors, people with disabilities and their families by answering questions, giving advice and providing direct services. Depending on eligibility factors, such as age and income, the majority of services and programs are free or heavily subsidized.

ResourceContactService
Southwestern CT Agency on Aging(203) 333-9288SWCAA is a nonprofit organization that helps seniors and people with disabilities by providing services in the home and community. Assistance may include meal deliveries, legal guidance, transportation, health care and social support. Many of the services are free or subsidized, particularly for people with few resources. This agency is also responsible for Connecticut's State Health Insurance Assistance Program at the local level, which offers free benefits counseling and assistance in the enrollment process.
Fairfield Social Services(203) 256-3170The town's Human and Social Services Department can help with many issues related to aging and disabilities. Seniors can contact the department for information and referrals, case management, assessment for various benefits and help applying for assistance programs such as home energy. There are no income requirements for eligibility.
Bigelow Center for Senior Activities(203) 256-3166Located at 100 Mona Terrace in Fairfield, this senior center is open from 9 a.m. to 4 p.m on weekdays. A variety of classes and activities are scheduled at the center, such as senior-friendly exercise programs, games and movies. Seniors can also meet with professional social workers for help understanding and accessing various Social Security and Medicare programs and policies.

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 – often times 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.

Download
Checklist for determining the need for home care
Checklist for determining the need for 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.

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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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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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