Benefits and Resources for Disabled Seniors in Connecticut

Last updated: August 2025

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Quick Help Box (Start Here)

If you need help now, use the contacts below. These are official Connecticut and national hotlines. For life-threatening emergencies, call 911.

Tip: If you aren’t sure where to start, call 211. They can transfer you to the right office and help you apply for state programs.

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How to Use This Guide

• This guide focuses on Connecticut programs that help older adults with disabilities live safely and affordably at home or in supportive housing.
• We explain what each program does, who it helps, what it covers, and how to apply, with direct links to official sources.
• We include reality checks, tips, and examples so you can avoid common delays.

Note on information: Rules can change. Always double‑check details with the agency link provided.

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What Counts as “Disabled Senior” in CT Programs?

• Age and disability rules vary by program. Many programs serve adults 65+, while others serve adults with disabilities at any age.
• Connecticut Medicaid for older adults is called HUSKY Health (often “HUSKY C” for Aged, Blind, and Disabled). See HUSKY Health Medicaid for categories.
• Social Security defines disability for benefit purposes. Learn more at Social Security Disability Benefits.

Paperwork you’ll often need:

• ID, Social Security number
• Proof of Connecticut residency
• Income and asset information
• Medical documentation (for disability- or level-of-care-based programs)
• Medicare/Medicaid cards (if you have them)
• Recent bills (rent, utilities) if seeking housing/energy help

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Big Picture: Core Benefits for Disabled Seniors in Connecticut

Below are the programs most older adults with disabilities end up using. The links go straight to the official pages.

Reality check: Most programs require an application and proof of income. Processing times can take weeks. Apply as early as you can, and keep copies of everything.

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Income and Cash Benefits

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)

• SSDI pays monthly benefits if you have a qualifying work history and disability. Learn more at SSDI overview.
• SSI pays monthly benefits to people with low income and resources who are blind, disabled, or 65+. See SSI information.
• Connecticut’s Disability Determination Services (within the Department of Aging and Disability Services) reviews medical evidence for SSDI/SSI claims: CT Disability Determination Services.

How to apply:

• Apply online or call Social Security. Find your local office using the SSA office locator.
• Expect to submit medical records and answer questions about daily activities.
• If denied, you can appeal. Many people are approved after an appeal.

Reality check: Decisions can take months. Reply to SSA mail quickly, keep appointments, and ask your doctor to send records promptly.

State Supplement Program (SSP)

• What it is: Connecticut’s SSP provides a small monthly state cash benefit to eligible aged, blind, or disabled residents to help with basic living costs and, in some cases, special needs.
• Who it helps: People who are aged 65+, blind, or disabled, with low income and limited assets. Often works alongside SSI.
• Where to apply: State Supplement Program (SSP) at CT DSS.

Tip: Apply through the ConneCT portal and ask a DSS worker to screen you for all programs (SSP, SNAP, Medicaid).

Medicare Savings Program (MSP) in Connecticut

• What it is: MSP helps pay Medicare costs (at least the Part B premium; the QMB level also helps cover Medicare deductibles and coinsurance).
• Why CT stands out: Connecticut’s MSP has no asset test, which makes it easier for many seniors to qualify. See the official rules and current income guidelines at the Medicare Savings Program page.
• How to apply: Apply with DSS via ConneCT or contact your local Area Agency on Aging for help through CHOICES.

Reality check: If you get approved, MSP can take 1–2 months to show on your Medicare bill. You may receive a refund for premiums already paid once MSP is active.

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Health Care and Long‑Term Services

HUSKY Health (Medicaid) for Older Adults and People with Disabilities

• What it is: Medicaid covers doctor visits, hospital care, prescriptions, home health, durable medical equipment, and long-term services.
• Categories: For older adults and people with disabilities, coverage is generally under HUSKY C (Aged, Blind, Disabled). Learn more at the DSS Medicaid page and the HUSKY Health member site.
• How to apply: Online via ConneCT, by mail, or at a DSS office.

Tip: If you have Medicare, you can have both Medicare and Medicaid (“dual eligible”). DSS or CHOICES can help you coordinate benefits.

Connecticut Home Care Program for Elders (CHCPE)

• What it is: A state program that helps people 65+ get care at home instead of in a nursing home. Services can include homemakers, personal care, adult day care, respite, meals, and limited home modifications.
• Who it helps: CT residents age 65+ who need nursing home level care or are at risk.
• Why it matters: CHCPE can keep you safely at home and may be faster to start than entering a facility.
• Learn more or apply: CHCPE official page. Intake is often coordinated by your Area Agency on Aging.

Reality check: There may be wait times for certain services or providers in your town. Ask about stopgap supports (temporary homemaker hours, adult day center openings).

Community First Choice (CFC)

• What it is: A Medicaid benefit that provides personal care assistance and other supports to help you live at home.
• Who it helps: Medicaid members who need help with daily activities like bathing, dressing, and meals.
• How to get it: Start with DSS/HUSKY. See Community First Choice.

Money Follows the Person (MFP)

• What it is: Helps people move from nursing homes or hospitals back to the community with services and short-term transition help (like basic furniture or security deposits).
• Who it helps: People who have lived in an institution for the required time and can live safely in the community.
• Learn more: MFP in Connecticut.

Medicare Help and Counseling (CHOICES)

• CHOICES is Connecticut’s State Health Insurance Assistance Program. It offers free, unbiased help with Medicare Parts A, B, D, Medigap, and Advantage plans, and MSP applications. Contact: CHOICES program or call 1-800-994-9422.

Long-Term Care Ombudsman

• The Ombudsman protects the rights of residents in nursing homes, residential care homes, and assisted living. They handle complaints about care, discharges, and billing. Learn more or file a complaint at the CT Long-Term Care Ombudsman Program.

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Food and Nutrition

SNAP (Food Stamps)

• What it is: Monthly benefit to buy groceries.
• Who it helps: Households with low income; seniors may qualify even if they own a home or car.
• How to apply: Online or by mail with DSS. See CT SNAP page.

Tip: If anyone in your household is 60+ or has a disability, different rules may allow you to deduct medical costs to increase your benefit. Ask DSS or 211 for help with the application.

Elderly Nutrition Program (Meals on Wheels and Community Cafés)

• What it is: Meals delivered to your home and meals served at senior centers, plus nutrition counseling.
• Who it helps: Adults 60+, with priority for those with the greatest need.
• Where to start: Your local Area Agency on Aging administers the program. See Elderly Nutrition Program.

Farmers’ Market Nutrition Program

• What it is: Coupons for fresh fruits and vegetables from approved farmers’ markets and farm stands.
• Program page: Connecticut Farmers’ Market Nutrition Program.
• Ask your senior center or AAA when and where coupons are issued.

Commodity Supplemental Food Program (CSFP, “Senior Food Box”)

• What it is: A monthly box of shelf-stable foods for older adults meeting income limits.
• Connecticut distribution is coordinated with local partners; start by calling 211 or your AAA. Program background: USDA CSFP overview.

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Housing, Home Energy, and Utilities

Renters’ Rebate (State Program)

• What it is: An annual rebate for eligible renters 65+ or disabled, based on rent and utility payments.
• Application window: April 1 to October 1 each year; apply through your town’s assessor or social services office.
• Details and forms: Renters’ Rebate program (Office of Policy and Management).

Property Tax Relief (Homeowners)

• What it is: The “Circuit Breaker” program reduces property taxes for qualifying homeowners 65+ or disabled.
• How to apply: Through your local assessor’s office.
• Info: Property Tax Relief for Elderly and Disabled Homeowners.

Tip: Many towns also offer local-option tax abatements, freezes, or deferrals. Ask your assessor’s office about local programs under Connecticut General Statutes §12-129n and other local options. See OPM’s property tax relief overview: OPM Property Tax Relief resources.

Housing Choice Vouchers and State Rental Assistance (RAP)

• Section 8 and the State Rental Assistance Program (RAP) help pay rent in the private market when vouchers are available. Waitlists open and close.
• Watch for openings via 211 Housing Resources and your local housing authority. Program administration information: CT Department of Housing.

Reality check: Waitlists can be long. Apply to multiple lists when open, and keep your contact information updated so you don’t miss your spot.

Energy Assistance and Utility Protections

• Connecticut Energy Assistance Program (CEAP): Helps pay winter heating costs. Apply through your local Community Action Agency. Details: CEAP program.
• Operation Fuel: Year-round emergency energy help when other aid is not available. See Operation Fuel.
• Winter shut‑off protections: The Public Utilities Regulatory Authority (PURA) has rules to protect eligible customers during the winter and for medical hardship. Learn more at PURA Winter Protection Program.
• Weatherization: Free energy-saving improvements for eligible households via the Weatherization Assistance Program.

Phone and Internet Discounts

• Lifeline: A federal discount (up to $9.25/month) for phone or internet for eligible households. See eligibility and how to apply at the official Lifeline Support site.
• Note: The Affordable Connectivity Program (ACP) ended due to lack of funding. See updates at the FCC ACP page. Ask your provider about low-cost plans for seniors or low-income customers.

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Transportation and Mobility

ADA Paratransit (Door-to-Door)

• What it is: Shared-ride transportation for people whose disability prevents them from using fixed-route buses.
• How to apply: Contact your regional transit provider for eligibility and reservations. Overview: CTtransit ADA Paratransit.

Local Dial‑A‑Ride

• Many towns in Connecticut offer Dial‑A‑Ride for older adults and people with disabilities. Service areas, hours, and reservation rules vary by town.
• How to find your ride: Call your town hall’s social services office or search 211ct.org for Dial-A-Ride.

Non‑Emergency Medical Transportation (Medicaid)

• HUSKY Health members can receive rides to covered medical appointments. Start here: HUSKY Health transportation information.
• You’ll need to schedule ahead, and your provider must confirm the appointment.

Accessible Parking Permits

• Apply for a disability parking placard or plates through the CT DMV. Instructions and forms: Disabled Parking Permits (CT DMV).

Reality check: Paratransit and Dial‑A‑Ride rides must be booked in advance and may have wait windows. Build extra time into your schedule.

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Assistive Technology, Equipment, and Home Modifications

Connecticut Tech Act Project (CTTAP)

• What it is: Statewide program that helps people find and try assistive technology (AT), borrow devices, and learn how to pay for them.
• Services: Device lending, demonstrations, financing options, and reuse programs through partners.
• Start here: CT Tech Act Project.

NEAT Center at Oak Hill

• What it is: A statewide resource offering AT device loans, reuse marketplace, smart home solutions, and training.
• Learn more: NEAT Center.

How to pay for AT and home mods:

• Medicaid benefits like Community First Choice and CHCPE may cover certain equipment or home modifications if medically necessary.
• Ask your care manager or AAA about funding and medical documentation needed.

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Safety, Legal Rights, and Advocacy

Protective Services for the Elderly (PSE)

• Reports of abuse, neglect, or exploitation of adults 60+ are handled by DSS PSE. Call 1-888-385-4225 or visit the PSE page.
• You can report anonymously. If someone is in immediate danger, call 911.

Long-Term Care Ombudsman

• For concerns about nursing homes, residential care homes, or assisted living (care, discharge, rights), contact the LTC Ombudsman.

Discrimination and Civil Rights

• The Connecticut Commission on Human Rights and Opportunities (CHRO) enforces state anti-discrimination laws in housing, employment, public accommodations, and credit. Learn or file a complaint: CHRO.

Free Legal Help

• Intake and referrals: Statewide Legal Services of CT
• Legal aid providers:
  • Connecticut Legal Services
  • Greater Hartford Legal Aid
  • New Haven Legal Assistance Association
  • Housing help: CT Fair Housing Center

Tip: If you receive a notice to quit (eviction), call legal aid right away. Deadlines are short.

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Inclusive Supports: Extra Help for Specific Communities

LGBTQ+ Older Adults

• SAGE National LGBTQ+ Elder Hotline: 1-877-360-LGBT (1-877-360-5428). Info and support: SAGE Elder Hotline.
• Local community centers:
  • New Haven Pride Center
  • Hartford Gay & Lesbian Health Collective
• If you face discrimination in housing, health care, or services, contact CHRO.

Tip: Tell your care manager or AAA if you prefer LGBTQ+ affirming providers. They can note your preferences when arranging services.

Veteran Seniors and Disabled Veterans

• State benefits and assistance: Connecticut Department of Veterans Affairs (Rocky Hill campus and statewide services).
• Health care: VA Connecticut Healthcare System (West Haven and Newington).
• Pension Aid & Attendance/Housebound: Extra monthly funds for wartime veterans or surviving spouses with care needs. See VA Aid & Attendance.
• Every town in CT has a Veterans’ Service Officer (VSO). Find yours via the Municipal Veterans’ Representative Directory.

Tip: Bring your DD‑214 to appointments. Ask the VSO to screen you for property tax exemptions and state tuition waivers for dependents if applicable.

Tribal Elders and Native Communities

• Federally recognized tribes in CT: Mashantucket Pequot Tribal Nation and The Mohegan Tribe. Each tribe administers its own elder and social services; contact your tribal office for Title VI nutrition and support services under the Older Americans Act.
• Indian Health Service (regional): IHS Nashville Area.
• National resource: ACL Older Indians Program.

Note: Eligibility for tribal programs depends on tribal enrollment and residency. Ask your tribal social services for details.

Rural Seniors and Families

• Transportation can be limited in eastern and northwestern CT. Ask your town about Dial‑A‑Ride and volunteer driver programs, and search 211 Dial‑A‑Ride listings.
• For home energy and weatherization in colder rural areas, start early with CEAP and Weatherization Assistance.
• For home-delivered meals in remote areas, contact your Area Agency on Aging via the Elderly Nutrition Program.

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Applying Without Headaches: What to Prepare

Use this quick reference when you start applications. Having these documents ready usually speeds things up.

Reality check: If you miss a document, your case may be pended. Ask the worker exactly what’s missing and the deadline. Keep date-stamped copies or screenshots of what you submitted.

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Resources by Region (Area Agencies on Aging)

Connecticut has five Area Agencies on Aging (AAAs). They are your gateway to CHOICES (Medicare help), home-delivered meals, caregiver support, and often CHCPE intake. Call the one that serves your town.

Official state directory: Area Agencies on Aging — CT Department of Aging and Disability Services

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Realistic Timelines and Common Roadblocks

• Identity verification: If your name changed or records don’t match, DSS may request extra proof. Bring a driver’s license or non-driver ID and Social Security card if you have them.
• Medical documentation: For programs based on “level of care,” a clinician will assess you. Have your medication list and doctor contacts ready.
• Provider availability: In-home aide hours depend on provider staffing in your town. Ask for a list of agencies and consider adult day care as a supplement.
• Transportation: Paratransit must be booked ahead. If you have repeated late pickups/no‑shows, report patterns to the transit provider and request accommodations.

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More Connecticut Programs and Contacts

• Aging and Disability Services (State Unit on Aging; CHOICES; assistive technology): CT ADS
• HUSKY Health (Member info, covered services): HUSKY Health CT
• Department of Social Services (DSS) main site: CT DSS
• 211 CT (comprehensive local services search): 211ct.org
• Probate Court (conservatorships, finances, decision-making): CT Probate Courts
• ADA help and training: New England ADA Center

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FAQs: Connecticut-Specific Questions

1. How do I start home care through the Connecticut Home Care Program for Elders (CHCPE)?

• Call your Area Agency on Aging or visit the CHCPE page. You’ll complete a referral, and a nurse/social worker will assess your needs at home.

2. I have Medicare. Can I still get Medicaid?

• Yes, many people have both. Apply for HUSKY C (Aged/Blind/Disabled) via DSS ConneCT. Also apply for the Medicare Savings Program to help pay your Part B premium.

3. Does Connecticut’s Medicare Savings Program look at my assets?

• No. Connecticut does not have an asset test for MSP. Check the current income limits at the MSP page.

4. How do I get a ride to a medical appointment?

• If you have HUSKY Health, use the HUSKY transportation benefit. Otherwise, check your town’s Dial‑A‑Ride or ADA paratransit: ADA Paratransit info and 211 Dial‑A‑Ride search.

5. What’s the difference between SNAP and the Elderly Nutrition Program?

• SNAP is a monthly benefit you spend at stores. The Elderly Nutrition Program provides meals directly (home-delivered or at senior centers). Learn more at SNAP and Elderly Nutrition Program.

6. How do I report elder abuse or financial exploitation in Connecticut?

• Call Protective Services for the Elderly at 1-888-385-4225 or visit the PSE page. In immediate danger, call 911.

7. I’m a renter. How do I apply for the Renters’ Rebate?

• Apply April 1–October 1 at your town assessor or social services office. Details and forms are at the Renters’ Rebate program.

8. Can CHCPE or Medicaid pay for a wheelchair ramp or bathroom modification?

• Sometimes. If modifications are medically necessary and part of your care plan, programs like CHCPE or Community First Choice may cover certain home mods. Ask your care manager.

9. Where can I get assistive technology or a loaner device to try?

• Start with the CT Tech Act Project and the NEAT Center. They offer device loans, demos, and reuse programs.

10. I’m a veteran. Who can help me apply for VA health care and benefits?

• Contact your town’s Veterans’ Service Officer via the Municipal VSO Directory, or call the CT DVA. For health care, see VA Connecticut Healthcare. For Aid & Attendance, see VA pension A&A.

11. Are there protections if I can’t pay my winter heating bill?

• Yes. Connecticut has winter shut‑off protections and medical hardship protections. Learn more at PURA’s Winter Protection page, and apply for CEAP.

12. Where do I get help choosing a Medicare plan?

• Call CHOICES at 1-800-994-9422 or visit the CHOICES website.

13. Can I qualify for SNAP if I own my home or car?

• Yes. SNAP looks mainly at income and certain expenses. Home and car usually don’t disqualify you. See details at CT SNAP.

14. How do I challenge a decision from DSS?

• You can request a fair hearing. Instructions are on most DSS notices and at DSS Fair Hearings. Deadlines are strict—act quickly.

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Handy Reference Tables

Table: Top Health and Care Programs at a Glance

Table: Housing and Utility Help

Table: Transportation Options

Table: Who to Call for Free Help

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Real‑World Example Scenarios

• Example 1: Maria, age 72, lives alone in Norwich and has trouble bathing and cooking after a stroke. She applied for CHCPE through Senior Resources (AAA) and now has a home health aide three days a week and attends adult day care twice a week. Her case manager also helped her apply for Renters’ Rebate and CEAP.
• Example 2: Joe, age 68, has Medicare and a small pension. He qualified for the Medicare Savings Program, which now pays his Part B premium. He called CHOICES to review his drug plan and saved on his medications.

Note: Everyone’s situation is different. Use the official links to check your eligibility.

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Sources and Official Data

• State agencies:
  • Connecticut Department of Social Services
  • HUSKY Health CT (Medicaid)
  • Connecticut Department of Aging and Disability Services
  • Office of Policy and Management — Property Tax Relief Programs
  • Public Utilities Regulatory Authority
  • Connecticut Department of Transportation — Public Transportation
• Federal agencies and programs:
  • Social Security Administration
  • Centers for Medicare & Medicaid Services
  • USDA Food and Nutrition Service (CSFP)
  • Federal Communications Commission — Lifeline, FCC ACP
  • Administration for Community Living — Older Indians
  • US Department of Veterans Affairs

Where we cited specific program details, we linked directly to the official page for that program.

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Disclaimer

Program rules, eligibility, and funding can change. Always confirm details with the official agency or program using the links provided. This guide is for general information and is not legal, financial, or medical advice.

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About This Guide

by the GrantsForSeniors.org Editorial Team

The GrantsForSeniors.org editorial team has been building benefit and assistance resources for seniors nationwide since 2020. We research programs across all 50 states by reviewing government websites, checking agency updates, and gathering information from available sources.

Our Commitment to You:
• Experience & Expertise: The information in this guide is compiled and reviewed by a team with experience in senior services and financial aid programs. We are committed to sharing our knowledge to help you find the support you need.
• Authority & Trust: We rely on verified sources, including government agencies, non-profit organizations, and official program websites, to ensure the accuracy of our content. Our goal is to be a trusted authority you can rely on for credible information.
• Clarity & Accessibility: We understand that seeking financial assistance can be challenging. This guide is designed to be clear and easy to understand, breaking down complex topics into actionable steps.

While we work hard to provide the most accurate information available, please note that program details and eligibility requirements can change. We recommend always checking with the official program source or agency website for the most current information, as we are not official agencies but rather compile available information.

• Last Updated: August 2025
• Sources Verified: August 2025
• Next Review: February 2026

If you find outdated information, discover new resources, or have questions, please contact us at info@grantsforseniors.org. We’re here to help seniors find resources that can make a real difference in their daily lives.