A collection of reputable resources for seniors, people with disabilities, and family caregivers across Colorado and nationwide.
Colorado’s Medicaid agency (HCPF) — programs, benefits and eligibility information.
Visit site →In-Home Support Services — direct and manage your own attendants with agency support.
Visit site →A trusted directory of senior living and home care resources, with local Colorado editions.
Visit site →Support, education and advocacy for family caregivers from the Caregiver Action Network.
Visit site →Research, resources and a national voice advancing support for family caregivers.
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A plain-language overview of the general and financial requirements for Long-Term Care Medicaid in Colorado.
Medicaid provides free or low-cost health coverage for nearly 70 million Americans, including low-income individuals, families and children, pregnant women, the elderly, and people with disabilities. It is funded and administered through a state-federal partnership, so the program can vary from state to state. When a client has other insurance or Medicare, Medicaid is the payer of last resort — federal rules require all other available resources be used before Medicaid considers payment.
Long-Term Care (LTC) Medicaid is the Medicaid program that covers long-term care services across a continuum of settings, including nursing facility / institutional care and Home and Community-Based Services (HCBS) Medicaid waivers.
A level-of-care assessment is completed on site by a caseworker from the county Single-Entry Point (SEP) to determine whether an applicant functionally needs a long-term care service. A person must have medical conditions requiring supervision and have been admitted to a nursing home, hospital, or a combination for at least 30 consecutive days. There is no institutionalization time requirement when applying for HCBS-Medicaid / assisted living.
Income is anything received in cash or in-kind that can be used for food or shelter — for example Social Security retirement, pensions, wages, alimony, SSDI, veteran’s benefits, SSI and dividends.
| 2026 income limit | $2,982 / month — if over this limit, an Income Trust is needed. |
|---|
Resources are cash and/or property a person owns and can convert to cash — for example checking, savings and money-market accounts, CDs, IRAs, 401(k)s, stocks, bonds, property, vehicles, mineral/oil rights, life insurance, and pre-paid burial or cremation policies.
| 2026 resource limit | Amount |
|---|---|
| Individual | $2,000 |
| Couple (not in same nursing facility room) | $3,000 |
| Couple (in same nursing facility room) | $4,000 |
| Community Spouse Allowance | $162,660 |
*Some income and resources count toward the limits, and some do not.
A transfer of assets occurs when an individual (or their spouse) disposes of assets for less than fair market value within 5 years of the Medicaid application — for example giving away property, money, cars or boats; uncompensated funds with no clear paper trail; or waiving an inheritance or a fair share of a divorce or estate.
For individuals who transferred assets within 5 years of applying, a Period of Ineligibility is generated. Its length depends on the amount transferred. The POI begins when the person would otherwise have been eligible, and Medicaid begins paying for long-term care benefits once the penalty period expires.
Figures reflect 2026 limits and are provided for general guidance only; eligibility rules change and individual circumstances vary. Source: Helping Hands Consulting — Eligibility Criteria for LTC Medicaid in Colorado. Please verify current criteria with Colorado HCPF or a qualified benefits specialist.
