
Vermont Long-Term Care
Explore and learn information about long-term care and insurance for Vermont residents.
Vermont 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.
Vermont Median | ||||
Long-Term Care | 2021 | 2036(+15 Years) | 2021 | 2036(+15 Years) |
Homemaker Services | $5,302 | $8,764 | $5,401 | $8,926 |
Home Health Aide | $5,302 | $8,764 | $5,401 | $8,926 |
Adult Day Care | $3,035 | $5,017 | $3,187 | $5,267 |
Assisted Living Facility | $4,635 | $7,661 | $5,171 | $8,546 |
Semi-Private Room | $9,759 | $16,130 | $11,216 | $18,538 |
Private Room | $10,198 | $16,855 | $11,842 | $19,574 |
Care Facilities in Vermont

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Make this area yours! Display an image, brief description, and your contact details of your care facility including a website link.
- Affordable Pricing
- SEO Friendly Link
- Backlink Discount
- Visible Contact Details

State Information
Federal Partnership Program
In 2010, the state of Vermont enacted legislation enabling the establishment of the Vermont Long-Term Care Partnership Program. This allows Vermont residents who purchase a qualified partnership policy the ability to safeguard assets in a long-term care situation. State law will require a Long-Term Care Partnership policy to meet certain requirements. These requirements are set forth in Section 1917(b)(5)(A) of the Social Security Act and in Section 7702(B) of the Internal Revenue Code, and include certain provisions of the National Association of Insurance Commissioners (NAIC) Long-Term Care Model Regulation and Model Act.
Although Vermont has approved legislation which calls for the establishment of a state partnership program and has adopted rules that reflect the Deficit Reduction Act’s requirements and the NAIC’s standards for Qualified Long-Term Care Insurance partnership policies, the state has not yet filed a state Medicaid plan amendment with the Centers for Medicare and Medicaid Services (CMS) which is required by federal law.
Policy Example
When partnership policies become available that provide the policyholder with dollar-for-dollar asset protection otherwise known as “asset-disregard”. In the event the policy benefits are exhausted you would have an equal amount of asset protection when the calculation is made to qualify for the Medicaid long-term care benefit. For example, if the policy paid $420,000 in benefits you would be able to retain that same amount and still qualify for the Vermont Medicaid (Choices for Care) program. In calculating your eligibility, the state will disregard an amount of your assets equal to the amount the partnership policy paid in long-term care benefits.
Reciprocity
Most states have reciprocity with other states' long-term-care partnership programs, however, Vermont has yet to make a determination.
Medicaid
Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is $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 www.medicaid.gov
Rate Stability Rules
Vermont 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 Vermont
A variety of products are approved in Vermont for Long-Term Care planning including traditional plans and asset-based “hybrid” policies.
Tax Incentives
Vermont does not offer any state tax incentive for qualified long-term care insurance. Federal tax incentives are still available.
*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 | $130,380 |
Minimum Monthly Income Allowance | $2,155 |
Long-Term Care Throughout Vermont
Burlington
Burlington is the largest population center in Vermont. The average cost of a skilled nursing facility runs $11,842 a month. The cost of an Assisted Living Facilityaverages $5,171 a month. Adult Day Care Centers $3,187 a month. Care at home, based on a 44-hour week, averages $5,401 a month.
Top Frequently Asked Questions
- Are All Long-Term Care Insurance Policies the Same?
- Are Benefits From a Long-Term Care Insurance Policy Taxable?
- Are Long-Term Care Insurance Policies Expensive?
- Do I Have to Worry About Pre-Existing Conditions?
View more questions, or ask your own in the F.A.Q. Section.