CONNECTICUT HOME CARE PROGRAM FOR ELDERS

Notes:

1. Clients in the higher income range are required to contribute to the cost of their care.
2. Services available at all categories include the full range of home health and community based services.
3. Care plan limits at all categories are based on the total cost of all state-administered services.
4. Some individuals may be eligible for category 1 or 2 services but be financially eligible for Medicaid. In these cases, they will have their home health services covered by Medicaid with other community based services covered by state funds.
5. *Couples who are over this asset limit for category 3 may be eligible based on the special spousal asset protection rule.
6.  Functional need is a clinical determination by the Department about the applicant’s critical need for assistance in the following areas: Bathing, Dressing, Toileting, Transferring, Eating/Feeding, Meal Preparation and Medication Administration.

PROGRAM ELIGIBILITY - FUNCTIONAL

CHCPE Eligibility

• Aged 65 years and older
• CT Resident
• Functionally Eligible
• Financial Eligibility

FUNCTIONAL ELIGIBILITY

Functional eligibility is determined based on Activities of Daily Living (ADL's or critical needs). These activities are things we normally need to do to live independently which are:  bathing, dressing, toileting, eating/feeding, meal preparation, medication management, and being able to transfer. A client is also assessed for Instrumental Activities of Daily Living (IADL's) which are those activities related to being able to live independently but not crucial to your health such as housework, shopping, laundry, financial management, ability to use the telephone and the ability to travel from your residence, to name a few. These critical needs help to determine the level of service a client would be eligible for in conjunction with the financial level of eligibility.

Program Eligibility - FINANCIAL

FINANCIAL ELIGIBILITY
Income and Asset Information
Gross Monthly Income
The gross monthly income includes all income received by the applicant on a regular basis like wages, pension, Social Security Income, Veterans Benefits and Supplemental Security Income. The gross monthly income is the total income before any deductions including deductions for Medicare premiums. Count only the applicant’s income. If the applicant is married, do not count the spouse’s income.
Income Limits
There is no income limit for individuals who qualify for the state-funded CHCPE. The income limit for the Medicaid Waiver is $2,094.00.
Countable Assets
All of the applicant’s countable assets must be counted in full. Assets owned by an applicant’s spouse must be included in the total countable assets of the applicant. Additionally, assets are considered to be owned by the applicant for any jointly held assets unless it can be shown they are owned by someone else (not a spouse).

Examples of countable assets include: 

• checking accounts
• savings accounts
• revocable trust funds
• certificates of deposit (CD)
• individual retirement accounts (IRA)
• vacation or Christmas clubs
• stocks
• bonds, including U.S. Savings Bonds
• real estate not used as your primary residence
• non-essential motor vehicles
• boats
• campers
• total cash surrender value of life insurance policies with a total face value that exceeds $1,500.  

The CHCPE state funded asset limits are:
Individual $34,092.00
Couple Combined Assets
(One or both receiving services) $45,456.00

The CHCPE Medicaid Waiver asset limits are:
Individual $1,600.00
Couple with both receiving services $3,200.00
Couple with one receiving services:
Couple:  $24,328.00 - $113,640.00 (based on spousal impoverishment rules)

* Under both the CHCPE State-Funded component and the CHCPE Medicaid Waiver Component, additional assets can be kept when a Connecticut Partnership approved Long Term Care Insurance policy has paid for your care. The amount you can protect (keep) is equal to the benefits paid by the policy.

Please click on the links below to access the applications.

CHCPE Application
T-19 Application