Paid Family Caregiver Indiana: 5 Ways to Get Paid Caring for a Loved one in Indiana.
Medicaid, Age & Disabled Waivers, Attendant Care, and Structured Family Care Programs Outlined Below.
INDIANA CAREGIVING NUMBERS
800k..
800,000+ Indiana Hoosiers caring for a loved one.
20%…
1 of 5 Indiana employees are also family caregivers.
10.8B
$10.8 BILLION in unpaid care provided annually.
In the heart of Indiana, amidst a population of 6.8 million Hoosiers, a silent army emerges — 800,000 compassionate individuals dedicated to the noble task of caring for their loved ones. Picture this: a staggering 740 million hours of love and devotion are woven into the fabric of each year by Hoosier caregivers. Astonishing, isn't it? Now, consider the value of their selfless contributions: a remarkable $10.8 billion, a priceless tapestry of unpaid care, meticulously crafted at Indiana's average hourly wage of over $14. This isn't just a statistic; it's a testament to the boundless generosity that flows through the veins of the Hoosier state. (Source: AARP)
Option 1: Medicaid & the Age and Disabled Waiver
Support for Family Caregivers Through Medicaid in Indiana
Medicaid provides essential support to family caregivers in Indiana, ensuring their dedication and hard work are acknowledged and compensated.
Familiarizing oneself with the intricacies of Medicaid and the multiple Indiana Medicaid Waivers is the most important concept to understand for most paid family caregivers in Indiana.
Understanding Medicaid Waivers
Medicaid Waivers are exemptions to the standard Medicaid regulations that empower states to introduce programs extending beyond traditional Medicaid coverage. Each state offers at least one waiver designed to facilitate payments to family caregivers.
In Indiana, family caregivers can take advantage of the following Medicaid waivers:
Aged and Disabled Waiver: This waiver is tailored to cater to elderly individuals and adults with disabilities who require the level of care typically provided in nursing homes. A noteworthy feature of this waiver is the self-directed attendant care service option, granting individuals the authority to select, train, and oversee their personal care attendants.
The Traumatic Brain Injury (TBI): This waiver provides home- and community-based services (HCBS) to individuals who would require institutional care without such services. Through the use of the TBI waiver, the Indiana Office of Medicaid Policy and Planning (OMPP) and the Indiana Division of Aging (DA) seek to increase availability and access to cost-effective TBI services to people who have suffered a traumatic brain injury.
Additional waivers for kids with disabilities: Family Support Waiver and CIH (Community Integration and Habilitation) Waiver
Given that Medicaid programs and waivers may undergo changes over time, it is crucial to refer to the official Indiana Medicaid website or reach out to the Indiana Department of Human Services for the most up-to-date information concerning available waivers and eligibility criteria.
How Do Medicaid Waivers Enable Compensation for Family Caregivers?
In most instances, Medicaid compensates family caregivers through a mechanism referred to as self-direction (sometimes known as Consumer Direction, Participant Direction, or by other similar titles). These programs empower individuals in need of long-term care services, granting them more control over the care they receive. In contrast to traditional Medicaid-funded care, where the government dictates both care providers and methodologies, self-direction grants care recipients a more influential role in dictating how care is delivered and by whom, which can even encompass family members.
Although enrolling in self-direction may appear somewhat complex, it offers caregivers a genuine avenue for compensation. The enrollment process typically involves the patient/care recipient undergoing an evaluation to assess their in-home care needs and securing the necessary approvals. Next, caregivers may need to complete training, gain qualifications, and reach out to an agency tasked with processing payments for their billable hours. Once enrolled and employed by the agency, caregivers are required to follow established procedures for documenting and validating their work to ensure timely compensation.
Paid.care’s Two Favorite Medicaid Programs
Indiana's Attendant Care Program
The Attendant Care Program is a valuable state benefit designed to provide caregivers to Medicaid waiver participants who require assistance with daily activities but do not wish to reside in a long-term care facility. This program enables relatives, such as adult children, to serve as caregivers and receive compensation for the services they provide. However, it's important to note that caregivers need not be related to the care recipients; friends, in-laws, or neighbors can also become caregivers under this program.
Additional Attendant Care Insights:
Must be Medicaid-eligible
Taxable Income
Caregiver DOES NOT have to live with loved one/patient
Paid hourly
Structured Family Care Program
The Structured Family Caregiving Indiana not only recognizes the immeasurable value of their 740 million hours of annual care, but goes a step further by providing financial compensation to those who live in the same home as their loved one. Caregivers who choose to live with their loved ones can access to a flat, daily rate for their caregiving services through the Medicaid Age & Disabled Waiver.
Additional Structured Family Care Insights:
Must be Medicaid-eligible
Non-taxable Income
Caregiver DOES have to live with family member/patient
Paid a set rate each day
Indiana Medicaid Waiver Summaries
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Target Population: Children and adults with physical or medical disabilities.
Ages: All
Level of Need: Nursing Facility
Income-based Waiver? Yes, this waiver is based on the patient’s income only. Caregiver income is not counted (including parent caregivers for disabled children).
Spots Available: 50,000
Expires: 6/30/2028
Description: The Aged and Disabled (A&D) waiver allows individuals who are aged, blind, or disabled to remain in their home as an alternative to nursing facility placement. Home and community-based services (HCBS) are provided through the A&D waiver to supplement informal supports for people who would require care in a nursing facility if HCBS or other supports were not available.
How to Apply: Call 1-800-986-3505 or contact your Area Agency on Aging. Otherwise, call Paid.care or your local local home care agency.
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Target Population: Children and adults with developmental or intellectual disabilities, including autism.
Ages: All
Level of Care Need: Intermediate Care Facility
Income-based Waiver? Yes, this waiver is based on the patient/child’s income only. Parental caregiver income is not counted.
Spots: 31,777
Expires: 7/15/2025
Description: The Family Supports home- and community-based services waiver (FSW) provides limited, non-residential supports to individuals with developmental disabilities who live with their families or in other settings with informal supports.
Indiana State Information: Family Supports page.
How to Apply: Contact your regional Bureau of Developmental Disabilities or call 1-800-545-7763. The BDS Gateway is an online application available 24/7 where individuals and families seeking may submit an application for services. The BDS Gateway may be accessed at: here.
Waiting List: Indiana has 5186 individuals with developmental disabilities on the waiting list.
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Target Population: Children and adults with developmental or intellectual disabilities, including autism.
Ages: All
Level of Need: Intermediate Care Facility
Income-based Waiver? Yes, this waiver is based on the child’s income only. Parent income is not counted!
Expiration: 7/15/2025
Description: The Community Integration and Habilitation (CIH) waiver provides services that enable individuals to remain in their homes or community-based settings. The CIH waiver also assists individuals who are transitioning from state-operated facilities or other institutions into community settings. Home and community-based services (HCBS) through the CIH waiver allow flexibility in providing the supports necessary to help individuals gain and maintain optimum levels of self-determination and community integration.
State Information: Community Integration and Habilitation page here.
How to Apply: Contact your regional Bureau of Developmental Disabilities or call 1-800-545-7763.
Eligibility Criteria
In order to become eligible to choose a family or friend caregiver you must meet both Clinical and Financial eligibility.
Financial Eligibility
Financial eligibility comprises two components: income and assets.
Income encompasses regular inflows like Social Security or Pension funds. Assets pertain to the consumer's holdings, such as funds in bank accounts. For unmarried consumers, eligibility hinges on monthly income below $1,215 and assets under $2,000. Married consumers enjoy higher limits. It's crucial to note that individuals exceeding these limits may still qualify for services, so don't be disheartened if you fall outside the specified boundaries.
The intricacies of financial eligibility calculations can be intricate, and we haven't covered every scenario. It's important to recognize that consumers who assume financial ineligibility might be underserving themselves. Applying for an assessment may reveal eligibility, providing valuable insights into available options. Seeking professional advice can also be beneficial for understanding eligibility nuances. Check your eligibility with this check.
Clinical Qualification
This entails the necessity for home care at “nursing home level of care” and requires an assessment of your individual needs. We recommend introspection to determine if home care is a suitable option before initiating the application process.
Please be aware that home care agencies such as Paid.care are Medicaid Providers for various Indiana Paid Family Caregiver Programs, but we do not administer them. While we can assist in navigation, the application and enrollment processes for these programs must be completed through your local Area Agency on Aging (AAA)
Earnings for Family Caregivers Through Medicaid in Indiana
For caregivers hired to care for their loved ones under the aforementioned waivers, the typical compensation on average is $14-$15 per hour in the state of Indiana.
The hourly rate is contingent on several factors, including:
Program Guidelines: Each waiver program may specify particular rules and regulations concerning caregiver compensation, encompassing the maximum allowable hourly rate.
Local Wage Rates: Hourly rates are determined at the local level, often linked to specific zip codes, influenced by various factors.
Qualifications and Experience: Caregiver qualifications and experience may impact their hourly rate. Possessing specialized training or relevant certifications may warrant a higher rate. Additionally, years of caregiving experience can affect compensation.
Level of Care Required: The intensity of care needed by the individual receiving care can influence the hourly rate. Caregivers providing medical assistance or supporting individuals with complex needs might command a higher rate compared to those engaged in basic caregiving tasks. Your local AAA case manager will establish a level of care from 1-3 (1 being the lowest and 3 the highest).
Time Commitment: The number of hours dedicated to caregiving can influence the hourly rate. Caregivers providing full-time care or demonstrating significant time commitments may secure a higher rate relative to part-time caregivers.
Market Demand: Local demand for caregivers can also exert influence on hourly rates. Shortages of caregivers or heightened demand for specific types of care may lead to increased hourly rates.
Option 2: Assistance for Veterans and Support for Family Caregivers in Indiana
Veterans Support
Indiana's VA is dedicated to providing assistance to caregivers of veterans, including surviving spouses, and offers several avenues for compensating family caregivers.
Veteran Directed Home & Community Based Care in IN
The Veteran Directed Care (VDC) program is designed to empower veterans by allowing them to have a say in how their monthly care budget is utilized. This means that veterans can opt to hire their own family members as caregivers. These caregiving family members are paid at an hourly rate determined by the VA, which typically ranges from $8 to $21 per hour. The VDC program is accessible to veterans of all ages who are enrolled in VA medical benefits and require skilled services and assistance with activities of daily living.
Veteran Aid & Attendance Pension Benefit in IN
For veterans in need of professional long-term in-home, assisted living, or nursing home care, the Aid and Attendance (A&A) Pension Benefit can be a valuable resource. This benefit can provide financial assistance of up to $3,261 per month, which can be used to compensate family caregivers. To be eligible for A&A, the veteran should meet the requirements for the basic VA pension or survivor pension and satisfy a disability criterion.
Housebound Pension Benefit in IN
Similar to the A&A benefit, the Housebound Pension Benefit is available to veterans primarily confined to their residences. This benefit can be employed to pay family caregivers and may be worth up to $1,882 per month. It's important to note that under the Housebound benefit, spouses cannot be paid as family caregivers, as their income is factored into the benefit calculation. To qualify for the Housebound Pension Benefit, veterans must have limited mobility, be eligible for the basic VA pension, and cannot receive both A&A and Housebound benefits simultaneously.
Program of Comprehensive Assistance for Family Caregivers (PCAFC) in IN
The Program of Comprehensive Assistance for Family Caregivers (PCAFC) stands as the VA's most extensive initiative targeting family caregivers. This program extends a stipend of up to $2,750 per month to family caregivers, in addition to providing training, counseling, and respite care. To qualify for the PCAFC, veterans must have sustained severe injuries or suffered from a critical illness while in the line of duty, necessitating assistance with at least one daily living activity.
Locating Your Local VA in Indiana
Discovering your local VA office in Indiana is essential to access the resources and support available for veterans and their caregivers. Click here.
Option 3: Indiana State Support
Family Caregiver Support from the State
The Indiana Family and Social Services Administration plays a critical role in supporting family caregivers, and it's vital to comprehend the various forms of assistance they provide.
Support from the Indiana Family and Social Services Administration
Federal regulations require every state to establish support systems for family caregivers, often carried out through Area Agencies on Aging (AAAs). These agencies are pivotal in assisting family caregivers who look after elderly relatives. The state's AAAs deliver an array of services, resources, and programs designed to aid family caregivers in fulfilling their responsibilities. The support offered by state Agencies on Aging often encompasses the following:
Information and Referrals: AAAs offer valuable guidance regarding local resources, support groups, caregiver training opportunities, and options for respite care.
Caregiver Education and Training: They organize programs focusing on caregiving techniques, stress management, healthcare navigation, and legal/financial aspects.
Respite Care: Temporary relief services are provided to caregivers, allowing them to take breaks and attend to their own well-being.
Support Groups: Caregiver support groups are facilitated to encourage the sharing of experiences, concerns, and knowledge among caregivers.
Caregiver Assessments: AAAs conduct assessments to evaluate caregivers' specific needs and provide personalized support and recommendations.
Counseling and Consultation: They offer professional guidance and emotional support for caregivers.
Advocacy and Policy Development: These agencies advocate for caregiver-friendly policies and programs.
Access to Benefits and Services: Assistance is provided to caregivers in accessing benefits and programs such as Medicaid, home-based services, and transportation aid.
Finding Your Local Area Agency on Aging (AAA)
There are a total of 16 AAAs operating in Indiana, and it's essential to locate the one that serves your local area. To identify your local AAA in Indiana, please click here.
Option 4: Tax Credits
Understanding Tax Credits
Tax credits represent a government mechanism to incentivize and reward taxpayers for their positive actions. A diverse array of tax credits are available, covering various expenses and situations, encompassing education, green energy, and caregiving. A tax credit translates to a dollar-for-dollar reduction in your income tax liability. For instance, if you owe $4,000 in federal taxes and qualify for a $3,000 tax credit, your tax obligation is reduced to $1,000.
Tax Credits for Family Caregivers
The Child and Dependent Tax Credit (CDCTC) is a tax credit designed to benefit caregivers by providing a percentage of relief for care-related expenses. Eligible expenses must be related to the care of a child or dependent, aimed at enabling the taxpayer to engage in employment or job-seeking activities.
Available Tax Credits in Indiana
In Indiana, family caregivers can potentially claim a total tax credit of $1,100. The CDCTC, which offers a percentage of relief for eligible caregiving expenses, has a maximum federal limit of $1,100.
How to Claim the Caregiving Tax Credit
To secure the CDCTC, you must identify your loved one as a dependent on your tax forms. Certain criteria must be met to establish your loved one's eligibility as a dependent. After successfully claiming your loved one as a dependent, you'll need to complete tax form 2441. This form mandates the provision of a clear breakdown of your care-related expenses, showcasing how they facilitated your work or job-seeking activities.
Option 5: Alternative Options Payment Options for Indiana Family Caregivers
Various Avenues for Receiving Compensation as a Family Caregiver in Indiana
Additional Caregiver Payment Programs in Indiana
Exploring supplemental options to receive compensation for your caregiving services in Indiana, here are a few caregiver payment programs you may consider:
1. Family and Social Services Administration (FSSA) - Aged and Disabled Medicaid Waiver: This program extends financial aid to individuals in need of long-term care services. Through the waiver program, caregivers may qualify for payment for the care they provide to their loved ones at home.
2. Indiana Family and Social Services Administration - Caregiver Support and Respite Program: This initiative offers financial support to unpaid family caregivers by providing respite care services. Respite care serves as a vital resource, allowing caregivers to take temporary breaks from their responsibilities while trained individuals step in to provide care.
3. Aged, Blind, and Disabled Program: The Aged, Blind, and Disabled (ABD) program provides healthcare coverage, support services, and occasionally cash assistance to eligible individuals who are aged, blind, or disabled, aiming to meet their healthcare needs and enhance their well-being.
Exploring Long Term Care Insurance
For those with loved ones covered by long-term care insurance, the policy may allow for the allocation of funds to a family caregiver. To assess whether this option is available, we recommend reaching out to your loved one's insurance company or agent to inquire about caregiver benefits.
Exploring Employer-Sponsored Caregiving Leave
An increasing number of companies are extending financial support to employees taking leave to care for a family member. To ascertain if this is a viable option for you, we suggest initiating a conversation with your company's Human Resources department.
Direct Compensation from Family
When your family considers the prospective costs of care, including nursing homes, in-home nursing services, and alternative options, they may recognize that your caregiving assistance is a more cost-effective choice. If there are financial resources available, you may consider requesting compensation for your caregiving efforts, especially when contrasted with the expenses associated with alternatives. In cases where your family agrees to provide payment for your caregiving services, it's advisable to collaborate with an attorney to establish a contract outlining the scope of your work and compensation. This contractual step can serve as crucial documentation for potential reimbursement from sources such as Medicaid, health insurance, or assisted living facilities in the future.