---
title: "Connecticut Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/connecticut/long-term-care-planning/
description: "Connecticut LTC planning: the $1,600 resource limit, five-year transfer review, spend-down rules and the state's restrictive Medicaid-qualifying trusts."
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 · Planning Ahead

# Connecticut Long-Term Care Planning

Last updated 2026-10-20

Connecticut planning should never start from a generic "income-cap state" assumption. DSS sets a $1,600 asset limit for a single LTSS applicant, but it also allows someone over a Medicaid income limit to qualify through spend-down once excess income or assets are applied to qualifying medical expenses. The first planning step is figuring out which route actually applies: nursing-facility Medicaid, the CHCPE Medicaid waiver, another waiver program, or a non-Medicaid state-funded service.

For a married couple, Connecticut's 2026 community-spouse resource range runs from $32,532 to $162,660, effective January 1, 2026. The same 2026 update confirms that the primary residence isn't counted as a resource while a spouse continues to live there. None of these protections eliminate the need for a full inventory — title records, accounts, income sources, debts, and the exact date continuous institutionalization began all have to be documented.

## Connecticut figures

- 2026 community-spouse resource range: $32,532–$162,660
- Individual LTSS asset limit: $1,600

## 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)
- [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/)