---
title: "Connecticut Transfer on Death Deed? Home Transfer Options"
url: https://fundingltcmarketplace.com/states/connecticut/home-transfer-planning/
description: "Connecticut has no transfer-on-death deed for real estate; 2025 and 2026 bills failed. How trusts, survivorship and life estates compare for Medicaid planning."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Connecticut · Asset Protection Tool

# Does Connecticut Have a Transfer on Death Deed?

Last updated 2026-10-20

**Quick answer:** No. Connecticut has no law allowing a transfer-on-death deed for real estate. The 2025 bill (HB 6896) died in committee, and the 2026 bill (HB 5266) didn't pass before the session ended on May 6, 2026.

Unlike many states, Connecticut has no statute authorizing a general transfer-on-death deed for real property. The state's current deed-law reference is explicit that TOD or beneficiary deeds simply aren't available for real estate in Connecticut. That's a clear contrast with the state's own transfer-on-death registration system for securities, financial accounts, and vehicle titles under CGS sections 45a-468 and following — a mechanism that works fine for those asset types but has no real-estate counterpart.

The same reference notes that a deed attempting to pass Connecticut land "on death" carries no statutory force for real property. Lawmakers have tried to change this, but no bill has passed. A 2025 bill, HB 6896, proposed adopting the Uniform Real Property Transfer on Death Act and died in committee. The 2026 version, HB 5266, got a public hearing on February 27, 2026 but did not pass before the session adjourned on May 6, 2026. Until a statute is enacted, a form marketed as a Connecticut TOD deed has no effect on real estate, so families should check the current statute and local land-record practice before relying on one. In the meantime, revocable trusts, survivorship ownership, and retained-life-estate/remainder deeds remain the fact-sensitive alternatives worth exploring.

## Questions and answers

### Does Connecticut have a transfer on death deed?

No. Connecticut law doesn't allow transfer-on-death or beneficiary deeds for real estate.

### Can I use a TOD deed form I found online?

A form marketed as a Connecticut TOD deed has no legal effect on real estate.

### Does Connecticut allow transfer on death for anything?

Yes. Connecticut's transfer-on-death registration law (CGS §§ 45a-468 and following) covers securities, financial accounts and vehicle titles, but not real estate.

### What can families use instead?

Revocable trusts, survivorship ownership, and retained-life-estate or remainder deeds. Each is fact-specific, so talk with a Connecticut attorney.

## Sources and official resources

- [Connecticut DSS: Long-Term Services and Supports, How to Apply](https://portal.ct.gov/dss/health-and-home-care/long-term-care/long-term-services-and-supports---ltss/apply)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Connecticut guide](https://fundingltcmarketplace.com/states/connecticut/)