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Long-Term Care
Long-term care means help with everyday activities such as bathing, dressing, eating and getting around, over months or years. It can be provided at home, in adult day care, in assisted living or in a nursing facility. Health insurance and Medicare pay for very little of it, which is why it needs its own plan. Our guide explains what long-term care insurance is and how a policy pays.
Why Long-Term Care Matters
According to the federal Administration for Community Living, someone turning 65 today has almost a 70% chance of needing some type of long-term care in their remaining years. Women need care for 3.7 years on average and men for 2.2 years, and about one in five people will need it for longer than five years.
What Care Costs in Connecticut
The State of Connecticut tracks private-pay rates each year. As of September 30, 2025, a semi-private room in a Connecticut nursing facility averaged $526 a day, or about $191,900 a year. That was 3.0% higher than the year before, and rates have risen an average of 4.6% a year since 1988.
Care at home adds up too. The state’s 2026 figures put a home health aide at $43 an hour and a full day of adult day care at $120. Eight hours of aide care a day, five days a week, comes to roughly $89,000 a year.
Understanding Medicare and Medicaid
Medicare covers skilled nursing facility care only for a short period after a hospital stay of at least three days in a row. In 2026 you pay $0 a day for the first 20 days and $217 a day for days 21 through 100. After day 100 Medicare pays nothing, and it doesn’t cover ongoing custodial care at all.
Medicaid does pay for long-term care, but only after you have spent down nearly all of your assets, and the rules on transferring assets beforehand are strict.
The Connecticut Partnership for Long-Term Care
Connecticut runs a program with private insurers called the Connecticut Partnership for Long-Term Care. Partnership-approved policies pay for care like other long-term care insurance, and they add Medicaid Asset Protection if you ever need to apply to Connecticut’s Medicaid program. State law also requires Connecticut nursing facilities to give Partnership policyholders at least a 5% discount, which brings the 2025 average to $499 a day.
Taking Control of Your Long-Term Care Risk
The right policy depends on your age, your health, your savings and who you would want caring for you. Premiums are generally lower, and approval is easier, when you apply while you are still healthy.
The Jones Group will review your situation, show you what coverage would cost, and explain how it fits with the rest of your retirement plan. Call our Wethersfield office at (860) 529-3788 to start.
Why Choose The Jones Group
Expertise
Our team has in-depth knowledge of Medicare and the insurance landscape nationally.
Customized Solutions
We can tailor insurance plans to your specific needs budget. We'll get you covered.
Transparency
We provide clear, and honest information to help you make informed decisions.
Ongoing Assistance
Our support doesn't end when you enroll. We're here for you throughout your insurance journey.
Long-Term Care Insurance Questions
Does Medicare pay for long-term care?
Medicare covers skilled nursing facility care only for a limited time after a hospital stay of at least three days. It does not pay for ongoing custodial care, such as help with bathing and dressing, at home or in a nursing facility.
When should I look into long-term care insurance?
Many people look at coverage between the ages of 45 and 65. Premiums are based on your age and health when you apply, so waiting can make coverage more expensive or harder to get.
What is the Connecticut Partnership for Long-Term Care?
It is a State of Connecticut program run with private insurers. Partnership-approved policies add Medicaid Asset Protection if you ever need to apply to Connecticut’s Medicaid program, and Connecticut nursing facilities must give Partnership policyholders at least a 5% discount.
Ready to Talk? Contact Us When You're Ready.
Long-term care planning is easier before you need it. Contact The Jones Group to review your options and see what coverage would cost.
