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The 10 Best Home Care Agencies for Seniors in Wilton, 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 Wilton, CT, residents and their loved ones rate In Home Care agencies across the 77 options below.

Home Care Agencies in Wilton, CT

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Paying for Home Care in Wilton, CT

The Cost of Home Care in Wilton, CT

According to Genworth’s data, Connecticut’s average prices for home care exist in a fairly narrow band. The lowest average monthly prices are found in New Haven, where seniors pay $5,243 a month, while the highest average monthly prices are found in Norwich, where seniors pay $5,506 a month. The Connecticut capital, Hartford, reports prices that are almost perfectly in line with Wilton’s. All cities in the state are significantly more expensive than national norms, as the average U.S. senior pays $4,957 for a month of home care services. 

Wilton

$5,339

Connecticut

$5,243

The United States

$4,957

Hartford

$5,329

Norwich

$5,506

New Haven

$5,243

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

Wilton seniors who are interested in a more community-based experience than that of home care may choose to move into an assisted living facility, which is roughly 15% more expensive than home care. Those who need extensive medical support may be better served by a nursing home, which is far more expensive at an average of $16,805 a month. Adult day health care, which costs a relatively inexpensive $1,619 a month, is a potential option for seniors with minimal medical needs.

In-Home Care

$5,339

Home Health Care

$5,339

Adult Day Health Care

$1,619

Assisted Living

$6,273

Nursing Home Care (semiprivate room)

$16,805

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

Financial Assistance for Home Care in Wilton, 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.

Wilton 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 Wilton:

ResourceContactAddressService
Norwalk Salvation Army(203) 866-212514 Byington Place, Norwalk, CT 06850As part of the national non-profit agency with a variety of services for local communities, the Salvation Army office in Norwalk has many programs to help the elderly in need. This location has a thrift store and food pantry, with discount household goods, free food and discount clothing. Case managers are available to help seniors find resources such as medical care, utility or rent assistance and even volunteer opportunities for those that are able. The Salvation Army is faith-based, with worship services and limited transport to these services available.
Wilton Social Services Department(203) 834-6240Comstock Community Center, 180 School Road, Wilton, CT 06897This agency oversees the Wilton Senior Center, where the elderly can enjoy socialization opportunities, including classes, games and social outings. It also has volunteers on hand to help seniors with managing their government benefits and limited legal aid service. There is a special program for seniors over 65 in Wilton, offering discounts at local businesses. This program is open to all. Proof of residency and age is the only requirement, and volunteers can help seniors find which businesses honor the program. 
Connecticut Energy Assistance Program (CEAP)(203) 838-8110149 Water Street, 2nd Floor, Norwalk, CT 06854Seniors who meet certain income guidelines are eligible for utility bill payment assistance. This program helps those who are below certain income caps or deemed a vulnerable household to pay for their primary heating and cooling expenses. The program also has a limited rental payment assistance program, which is income-based. For those households that use deliverable fuel, such as kerosene or wood, the program also has delivery services. 
Wilton Meals on Wheels(203) 762-0566439 Danbury Road, Wilton, CT 06897This volunteer-run program delivers two hot and two cold meals to eligible Wilton seniors on Mondays, Wednesdays and Fridays. There is no age restriction, but applicants may be required to demonstrate proof of need or inability to prepare their own hot meals.

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.

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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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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