Home to over 3.5 million people as of 2019, the state of Connecticut is welcoming to seniors. A robust system of senior services makes it an appealing place to retire, and 17.6% of the population is aged 65 and older. That’s a total of 629,032 seniors living within the state.

Seniors who retire to Connecticut have a number of options for care, but sometimes they need more than can be provided at home. Nursing home facilities provide around-the-clock nursing care for elderly and frail seniors who need additional supportive services. Families seeking nursing home care in Connecticut can expect to pay an average of $12,927 per month for a semiprivate room and $13,992 for a private room, based on data from the 2020 Genworth Cost of Care Survey.

This guide provides nursing facility cost data and comparisons with other types of care, information about financial assistance options to help pay for nursing home care, some free resources for seniors and an overview of the rules and regulations governing Connecticut nursing homes. 

The Cost of Nursing Home Care in Connecticut

Connecticut families considering nursing home care for their elderly loved ones will find that the cost of care in the Connecticut is much higher than in surrounding states. For a semiprivate room, Connecticut families pay an average of $12,927 a month according to the 2020 Genworth Cost of Care Survey. This is over $4,000 higher than the cost in Rhode Island, which is $8,669. It’s much closer but still higher than the cost in Massachusetts where families pay an average of $12,623. New York falls just below that at $12,319. All of these New England states have costs well above the national average of $7,756.

$12927

Connecticut

$7756

The United States

$8669

Rhode Island

$12319

New York

$12623

Massachusetts

Connecticut averages $12,927 a month for nursing home care in a semiprivate room, but that cost will vary from one area of the state to the next and based on the amenities of the community. In Hartford, for instance, you can expect to pay around $13,079, but in New Haven, it’s lower at $12,395. In Norwich, the average is $12,463. The highest cost is found in Bridgeport, which has a monthly average of $14,113. Across the Rhode Island state line in Providence, families can expect to pay around $9,733.

$12927

Connecticut

$12395

New Haven

$12463

Norwich

$13079

Hartford

$14113

Bridgeport

$9733

Providence, RI

While some families find that nursing home care is best for their loved one’s needs, there are other care options available in Connecticut. For those who wish to remain at home, homemaker services cost an average of $4,576 a month, while home health care, which includes some basic medical care services, costs about $200 more at $4,767. If you choose assisted living care, you should plan to pay $6,300. The most affordable option is adult day care, which averages $1,874 per month in Connecticut.

$12927

Nursing Home Care

$4576

Home Care

$4767

Home Health Care

$6300

Assisted Living Care

$1874

Adult Day Care

Does Medicaid Cover Nursing Home Care in Connecticut?

In Connecticut, over 960,800 residents receive Medicaid benefits. The federally funded program pays the cost of skilled nursing care and living accommodations. Assistive devices, including wheelchairs and eyeglasses, and various types of rehabilitation therapies are also covered by Medicaid.

According to the state’s Department of Public Health, there are over 200 nursing homes in Connecticut that accept Medicaid. Seniors who qualify for nursing home placement may also qualify for home- and community-based service (HCBS) waivers to receive skilled nursing care at home or in a residential setting. 

Medicaid Eligibility in Connecticut

When applying for Medicaid, seniors must have income and assets lower than the predetermined limit, in addition to the need for skilled nursing or hospital-level care.

For seniors in Connecticut to qualify for Medicaid, they must have a monthly income that is less than the cost of nursing home care (with the exclusion of a personal needs allowance of $75 per month and Medicare premiums, along with a spousal income allowance). Assets cannot exceed $1,600 per applicant.

2022 Medicaid Income Limits for Seniors in Connecticut

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Annual Income Limits

Asset Limits

Single Applicant

Income must be less than the cost of nursing home

$1,600

Two-Person Household (Only One Person Applying)

Income must be less than the cost of nursing home

$1,600 for applicant & $137,400 for non-applicant

Two-Person Household (Both People Applying)

Income must be less than the cost of nursing home

$3,200 ($1,600 per spouse)

Applicants are required to meet the mentioned income and asset limits, as well as other qualifications. If seniors meet these other qualifications, but not the income limit, they may be able to “spend down” on necessities until they meet the limit. Other qualifications include:

  • Proof of residence
  • Citizenship status
  • Need for nursing care

How to Apply for Medicaid in Connecticut

Families and seniors can apply for Medicaid online using the ConneCT website or download the application PDF, which is available in English and Spanish. The Department of Social Services (DSS) Client Information Line and Benefits Center can send paper applications by mail and additional Medicaid information when individuals call (855) 626-6632 or their local DSS office. Applicants should prepare all the appropriate documents before they start their application. Correcting an application and resubmitting it for approval can add up to  three weeks to the wait time.

Information You Will Need:

  • Birth certificate, or other proof of age
  • Social Security or green card, if born outside the United States
  • Proof of earned and unearned income for the 60 months before the application date 
  • Copies of bank statements for the previous 60 months
  • Proof of all real property sales and transfers for the previous 60 months
  • Verification of pensions, such as government and occupational pensions, including a letter from the provider  
  • Proof of car registration and insurance
  • VA discharge papers (DD 214) for veteran applicants
  • Documents regarding wills, trusts and powers of attorney
  • Any other documents that may support the individual’s application

Additional Medicaid Support & Resources in Connecticut

Seniors and their loved ones who wonder how to apply and whether they qualify for Medicaid may benefit from the following resources. Other resources can aid individuals who need assistance transitioning from a hospital or nursing home back into the community of their choice. Websites, such as Medicaid Planning Assistance, help families determine eligibility and compare types of professional Medicaid planners.

Resource

Contact

Service

(860) 424-5055

Also known as Community Choices, Aging and Disability Resource Centers is a hub of information for aging adults and their loved ones regarding statewide programs and services. Representatives can help applicants determine their eligibility and apply for Social Security, disability and income benefits. Programs can provide low-interest financial loans for assistive devices as well as free devices for individuals with both significant vision and hearing loss. 

(855) 626-6632

Money Follows the Person is a federal program designed to help Medicaid recipients transition from institutions, such as nursing homes and hospitals, back into residential communities. Working with a Transition Coordinator, families can find home health aides and physical therapists, along with other services, depending on the individual’s needs. Eligible individuals must have been in a hospital or other long-term care setting for three months or more.

Online Only

The Medicaid Planning Assistance website provides a free eligibility questionnaire for Medicaid, in addition to an extensive guide to types of Medicaid Planners. Individuals can read about what to do if they are denied Medicaid coverage and how they can “spend down” if they do not meet the fiscal qualifications. Additionally, the website features state-specific pages regarding eligibility and HCBS waivers.

(877) 284-8759

Benefits.gov is the U.S. government website to find free and low-cost programs and services that assist seniors and loved ones with their long-term care needs. The website offers the SSA Benefit Eligibility Screening Tool for users to determine eligibility before they apply for benefits.

Does Medicare Cover Nursing Home Care in Connecticut?

Medicare provides limited coverage for short-term stays in a skilled nursing facility following a hospital stay, but seniors must meet a number of specific requirements. This benefit is available to beneficiaries who have been hospitalized for at least three days, excluding the date of discharge, so it’s most valuable for those who are recovering from an injury, illness or surgery.

Once seniors meet the hospitalization requirement, Medicare will pay for up to 100 days of skilled nursing per benefit period. The first 20 days are covered in full. Starting on day 21, beneficiaries must pay a daily coinsurance rate. After day 100, seniors are responsible for the entire cost.

What Does Medicare Cover?

Medicare covers a number of specific services, including:

  • Meals
  • A semiprivate room
  • Medications
  • Skilled nursing
  • Physical therapy
  • Occupational therapy
  • Speech therapy
  • Audiologist care
  • Medical supplies
  • Medical social services
  • Nutritional counseling
  • Ambulance transportation

What Isn’t Covered by Medicare?

Medicare does not cover long-term custodial care that addresses seniors’ day-to-day needs. This includes help with daily activities, such as bathing, dressing and using medical equipment.

For more information about Medicare and when it covers Nursing Home Care, read our Guide to Nursing Homes.

Medicare Support and Resources in Connecticut 

Applying for Medicare and managing coverage shouldn’t be a difficult task. Individuals who need assistance with the application process or with understanding Medicare’s limitation for long-term care have several free counseling options. These include the state’s health insurance information program (CHOICES) and the official Medicare website.

Resource

Contact

Service

(800) 994-9422

Working with the state’s five Area Agencies on Aging and the Center for Medicare Advocacy, CHOICES offers free, unbiased one-on-one counseling for Medicare beneficiaries. Services include assistance with claim denials and comparison of supplemental coverage options. Counselors have experience with screening for eligibility, as well as with helping seniors enroll in the different Parts and financial assistance programs.

(855) 626-6632

With any one of the three Medicare Money Savings Programs funded by Medicaid, seniors and caregivers can receive assistance with Medicare Part B premiums. Eligibility is determined by gross income or the combined gross income of spouses. Individuals who qualify for all three levels also qualify for the Low Income Subsidy (LIS), which pays the full costs of Medicare Part D.

(800) 794-6559

Partnered with the National Council on Aging, BenefitsCheckUp gives seniors and families the ability to search for over 2,500 local, statewide and federal benefits using their zip code and answering a few brief questions. The quick survey, which filters search results to the individual’s needs, is available in English and Spanish.

(800) 633-4227

As the official Medicare website, Medicare.gov offers a self-service portal for seniors who want to apply for benefits or view the status of their enrollment and claims. Users can browse through the various guides and search for care providers and medical equipment suppliers. The help forum lists local Medicare professionals for those who prefer one-on-one counseling and Medicare advice.

Other Financial Assistance Options for Nursing Home Care in Connecticut

While Medicaid and Medicare are two of the most common programs used to pay for Nursing Home Care, there are other financial assistance options available, depending on your unique situation.

How to Apply

How It Works

Aid and Attendance

Learn more and apply online at va.gov.

Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for skilled nursing care.

Reverse Mortgages

Learn more about your options and how to apply at ftc.gov

If you own a home, you may be able to use a reverse mortgage to help pay for nursing care. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan.

Long-Term Care (LTC) Insurance

Learn more about Long-Term Care Insurance and how to apply for a policy at acl.gov.

Seniors who already have long-term care insurance may be able to use it to pay for skilled nursing care. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of skilled nursing care will not typically be eligible to sign up for a LTC insurance policy.

Free and Low-Cost Resources for Seniors in Connecticut

A handful of agencies can help Connecticut seniors and families explore long-term care options, including ways to cover the cost of care. In addition to helping with the application process, professionals with the Connecticut Legal Aid Network and the state’s ombudsman program provide counseling services to help recipients maintain their benefits.

Resource

Contact

Service

(860) 424-5055

The Connecticut Department of Area Agencies on Aging has five locations throughout the state that advocate for seniors and provide them with case management services. In addition to information and referral assistance, families can find caregiver support services and health services for disease prevention. Representatives can help individuals and their loved ones apply for benefits and receive free counseling on how to properly maintain those benefits.

(800) 445-5394

The Connecticut Home Care Program for Elders provides in-home assistance with activities of daily living and nursing care to seniors at risk for nursing home placement. Caregivers and other professionals can help seniors with assistive medical devices and management of chronic conditions. Other services include home-delivered meals and homemaking services, as well as companion services.

(800) 296-1467

Provided by Connecticut Legal Services, a nonprofit law firm, the Consumer Law Project for Elders (CLPE) can assist seniors with medical debts and billing issues, including debt collection and bankruptcy considerations. The firm can assist victims of identity fraud and other financial exploitations. Services are available in English and Spanish. 

(800) 453-3320

The Connecticut Legal Aid Network can help seniors and their families apply for and maintain a wide range of benefits, including Social Security and Medicaid. Representatives help seniors and loved ones request medical records from health care providers, as well as prepaid funeral contracts and burial plots. Power-of-attorney services are also available.

(866) 388-1888

Ombudsmen are certified by the state to advocate for the well-being of seniors residing in long-term care facilities, including nursing home residents. Residents and their loved ones can contact an ombudsman with concerns regarding visitation policies and other personal rights. If an investigation and mediation from the ombudsman does not resolve the issue, the ombudsman can take the case to the Department of Public Health.

COVID-19 Rules for Independent Living in Connecticut

The following information is based on research done on several government websites, including ct.gov/DPH. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/2/2022, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.

Visitation Policies

Rules for Connecticut Communities

Are loved ones allowed to visit to provide emotional support?

Yes (Conditions Apply)

Are relatives allowed to visit for end-of-life care?

Yes

Are residents required to quarantine after visiting with a loved one?

Not Available*

Are visitors required to wear PPE (including masks) in order to visit residents?

Yes

Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?

Yes

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

Outings & Social Activities

Rules for Connecticut Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Not Available*

Are residents who leave required to quarantine when they return?

Not Available*

Are senior living communities required to cancel all group outings?

No

Are residents allowed to eat meals together in a common area?

Yes (Conditions Apply)

Are residents allowed to gather in common areas for group activites?

Yes (Conditions Apply)

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

COVID-19 Safety Measures for Staff and Residents

Rules for Connecticut Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes

Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?

Yes

Are residents regularly screened for COVID-19 symptoms?

Not Available*

Are residents regularly checked for elevated temperatures?

Not Available*

Are residents regularly tested for COVID-19?

Yes

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

COVID-19 Rules for Nursing Homes in Connecticut

The following information is based on research done on several government websites, including ct.gov/DPH. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/2/2022, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.

Visitation Policies

Rules for Connecticut Communities

Are loved ones allowed to visit to provide emotional support?

Yes (Conditions Apply)

Are relatives allowed to visit for end-of-life care?

Yes

Are residents required to quarantine after visiting with a loved one?

Not Available*

Are visitors required to wear PPE (including masks) in order to visit residents?

Yes

Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?

Yes

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

Outings & Social Activities

Rules for Connecticut Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Not Available*

Are residents who leave required to quarantine when they return?

Not Available*

Are senior living communities required to cancel all group outings?

No

Are residents allowed to eat meals together in a common area?

Yes (Conditions Apply)

Are residents allowed to gather in common areas for group activites?

Yes (Conditions Apply)

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

COVID-19 Safety Measures for Staff and Residents

Rules for Connecticut Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes

Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?

Yes

Are residents regularly screened for COVID-19 symptoms?

Not Available*

Are residents regularly checked for elevated temperatures?

Not Available*

Are residents regularly tested for COVID-19?

Yes

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

Nursing Home Laws and Regulations in Connecticut

NURSING HOME LAWS AND REGULATIONS IN CONNECTICUT
Licensing Requirements
The Connecticut Department of Public Health licenses nursing homes and certifies them to participate in the Medicaid program. Licenses specify the patient capacity based on care level and name the Administrator and other key personnel. Licenses are valid for up to one year. To maintain licensure, facilities must follow the Regulations of Connecticut State Agencies.
Staffing Requirements
Nursing homes in Connecticut are required to have active, organized medical staff including enough nurses and nurse’s aides to provide adequate, appropriate care for patients 24 hours a day, 7 days per week. At least one registered nurse must be on duty at all times.During awake hours, the facility must have enough licensed nursing personnel to provide 0.47 hours of care per patient. During the nighttime hours, that drops to 0.17 hours.For nurse’s aides, the facility must have enough staff to provide 1.40 hours of care per patient during awake hours and 0.50 hours per patient during nighttime hours.
Staff Training Requirements
Nurse's aides must undergo state-approved competency training within 120 days of being hired. The program must be no less than 100 hours in length, including 25 hours of clinical training.
Admission Restrictions
To be admitted to a nursing home, seniors must have certification from their physician that they need skilled nursing services. A facility can only admit individuals who require services it is equipped to provide.
Care Planning Requirements
All residents of a nursing home must receive a patient care plan based on their initial patient assessment. The assessment must take place within 14 days of admission, and the care plan must be developed within 7 days of the assessment.
Dietary and Nutritional Services Requirements
Skilled nursing facilities must meet the dietary needs of their residents by having a dietetic service supervisor on staff. If that supervisor isn't a dietitian, they must consult with one. Continuous dietary service is required for the 12 daytime hours, and patients must have written and dated menus.
Specialized Rehabilitative Services
SNFs are required to have at least one physical therapy room within the facility. Other specialized rehabilitative services are not required by law.
Medication and Pharmaceutical Services
Medications can only be administered by licensed nursing personnel, physician assistants or healthcare practitioners. Detailed records of medications given to patients must be kept. All SNFs must have a locked medication room with adequate storage for patient medications.
Activities Requirements
SNFs in Connecticut must provide physically and mentally stimulating activities through a therapeutic recreation program. An on-staff therapeutic recreation director must oversee these activities.
Infection Control Requirements
An infection control committee will meet regularly to discuss infection prevention plans. Daily surveillance to stop infections if they occur is required. Any infection outbreaks must be reported to the Department of Health.
Medicaid Coverage
Seniors who meet certain income and asset requirements can use Medicaid coverage to pay for nursing home care. Only nursing homes approved for the Medicaid program are allowed to take this payment.