How will I pay for care?

Many families are not prepared for the expense of long-term senior care, but there are ways to stretch available money through financial planning, pooling existing assets, and taking advantage of tax savings. A good tax attorney also can assist in maximizing tax deductions for medical expenses and long-term care expenses.

Some other options include using long-term care insurance, accessing veterans benefits, converting a life insurance policy to a long-term care benefit plan, or considering a reverse mortgage.

Private Pay

Care Plus More accepts private payments that paid by the client or responsible party. 

Services are billed weekly, bi-weekly or monthly depending what best fits your needs.

The cost per 24 hour shift starts at $275.

The average cost of a Nursing Facility in Connecticut is $400 per day, see link below.




Long-term Care Insurance

Care Plus More accepts long-term care insurance.

Please review your individual policy for details.



Veterans Benefits

The Veterans Aid and Attendance (VA&A) Pension provides benefits to veterans and their spouses to help pay for costs of care; both in-home care and senior housing. Care Plus More will work with many families who are not aware of these benefits and who miss out on key financial support that can help pay for senior living and home care expenses. Benefits can change yearly, so we encourage families to take action now to determine their eligibility.

Converting a Life Insurance Policy into a Long-Term Care Benefit Plan

Anyone in possession of an in-force life insurance policy has the ability to transform that policy into a pre-funded financial account that will disburse a monthly benefit stipend to help pay for that individual's long term care needs.