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Delaware Long-Term Care

Explore and learn information about long-term care and insurance for Delaware residents.

Delaware Cost of Care Calculator

View the costs of Long-Term Care in your area. Use the slider below to view future costs of care services with inflation.

Delaware Median
Long-Term Care 2021 2036(+15 Years) 2021 2036(+15 Years)
Homemaker Services $4,173 $6,898(+$34,152) $4,124 $6,817(+$33,751)
Home Health Aide $4,517 $7,466(+$36,965) $4,713 $7,790(+$38,572)
Adult Day Care $1,851 $3,060(+$15,151) $1,339 $2,213(+$10,958)
Assisted Living Facility $5,511 $9,108(+$45,096) $5,580 $9,223(+$45,665)
Semi-Private Room $10,809 $17,865(+$88,454) $11,091 $18,331(+$90,761)
Private Room $11,279 $18,642(+$92,300) $11,404 $18,849(+$93,325)

Care Facilities in Delaware

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State Information

Federal Partnership Program

Delaware participates in the federal/state partnership program as of November of 2011. A Delaware Partnership Long-Term Care insurance policy provides you with additional asset protection as authorized under the federal Deficit Reduction Act (DRA). If you spend down all the money in your qualified LTC policy you will have the ability to apply for Medicaid under modified eligibility rules that include a special feature called an ‘asset disregard’ or “dollar-for-dollar” asset protection.

The policy must meet state guidelines and have the appropriate inflation protection as required by law. The state will not attempt to recover any money from the estate equal to the amount of benefits protected under your partnership long-term care policy.

Policy Example

The asset protection is equal to the amount of benefits paid by the policy. For example, your Delaware Long-Term Care Partnership policy pays out $480,000 in benefits when you exhaust benefit, however, you are still living and require long-term care services. The state disregards that same amount in the calculation for the Medicaid Long-Term Care benefit. This way you are able to keep a much larger amount of assets then you would otherwise be allowed to keep and still qualify for Medicaid. The Partnership Program also protects those assets after death from Medicaid estate recovery.


Most states have reciprocity with other states' long-term-care partnership programs including Delaware. This means if you move from or to Delaware your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is a minimum of $26,076 up to a maximum of one-half of countable assets up to $130,380. Your spouse’s minimum monthly income allowance is $2,155 * The home equity limit is $603,000.

For more information about the Medicaid program visit

Rate Stability Rules

In addition, Delaware consumers enjoy additional peace-of-mind as the state has adopted Long-Term Care Insurance Rate Stability Rules.  These rules, developed the National Association of Insurance Commissioners, makes it much harder for an insurance company to get an approved rate increase.

Products Approved in Delaware

A variety of affordable products are approved in Delaware for Long-Term Care planning. These include traditional plans (including partnership certified policies), short-duration plans and asset-based “hybrid” plans.

Tax Incentives

There are no current state tax incentives available at this time, federal tax incentives do apply.

*The federal government sets a new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits. This information is based on the best available sources

State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,000
Minimum Asset Allowance $26,076
Minimum Monthly Income Allowance $2,155
Compare with All States

Long-Term Care Throughout Delaware


Wilmington is the largest city in Delaware with the cost of long-term care services being more expensive than the state average. Dover, the state capital, have similar average costs to Wilmington. The average skilled nursing facility cost runs $11,072 a month. Assisted Living averages $5,418 a month. Adult Day Care Centers average $1,300 a month. Care at home, based on a 44-hour week, averages $4,576 a month.

More Locations

Other population centers in Delaware include Bear, Brookside, Glasgow, Hockessin, Middletown, Milford, Newark, Pike Creek Valley, and Smyrna.

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