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Financial Aid & Care Resources for Long Term Senior Care

Nearly all money spent on home care, assisted living and nursing home care comes from 1 of 4 sources.

1) Government Programs such as Medicaid, Veterans’ Benefits and Social Security
2) Insurance including life, long term care, Medicare and other health insurance
3) Personal Property such as a family’s resources, loans and their home equity
4) Private Assistance such as Non-Profits, Foundations and Pharmaceutical Companies

Within these categories, there are 100s of options with different eligibility requirements that help pay for care or reduce the cost of long term care. Some provide resources for any purpose and others are specifically designed to help with home care or pay for assisted living. You can explore these options 3 ways.

1. Browse the links in the table.

Federal Programs
Insurance Options
Personal Property
Non-Profits & Foundations
State Non-Medicaid Options
State Medicaid Options

2. Use our Eldercare Resource Locator Tool to find programs relevant to your situation.

3. See only options that provide Financial Assistance for Home Care or Financial Assistance for Assisted Living or for Home Modifications or Home Medical Equipment.

Federal Government Programs
Social Security & Related	Medicaid
Social Security Supplemental Security Income Survivors’ Benefits State SSI Supplementary Payments	Medicaid Cash and Counseling Program State Medicaid Programs
Veterans & Military	Tax Credits & Deductions
Veteran’s Health Care Veteran’s Pensions Veteran’s Respite Care Veterans Directed HCBS TRICARE for Life CHAMPVA for Life	Elderly and Disabled Tax Credit Federal Tax Credits for Elderly Dependent Care State Tax Credits for Elderly Dependent Care Medical Expenses Tax Deductions
Other Gov. Resources & Options
LIHEAP – Aid for Energy Costs NFCSP Respite Care Section 202 Government Housing Lifespan Respite Care
Insurance Options
Medicare Related	Life Insurance
Medicare Medicare Savings Programs Medigap Policies PACE Medicare Programs	Life Settlements Viatical Settlements Death Benefit Loans Accelerated Death Benefits Life Care Assurance Benefit Plan
Other Insurance Options
Health Insurance Long Term Care Insurance
Personal Property
Home Equity & Related	Loans & Lines of Credit
Reverse Mortgages Rex Agreements Equity Key Agreements Home Equity Lines of Credit	Senior Care Bridge Loans Loans from Family & Friends
Non-Profit and Foundations
Condition Specific
Alzheimer’s Respite Care Cancer Co-Pay Assistance CFAC: Cancer Assistance Diabetes Assistance Programs Financial Aid for Kidney Patients Leukemia & Lymphoma Society Aid Patient Assistance Programs
State Non-Medicaid Programs
Arizona NMHCBS California Alzheimer's Day Care California In-Home Supportive Services Colorado Old Age Pension Connecticut CHCPE ConnPACE RX Assistance Delaware RX Assistance Program Florida OSS for Seniors Florida Project R.E.L.I.E.F. Florida Alzheimer’s Disease Initiative Florida CCE Program Florida Home Care for the Elderly Hawaii Kupuna Care Hawaii Pharmacy Assistance Hawaii Chore Services Program Idaho Senior Respite Illinois Community Care Illinois Circuit Breaker Property Tax Relief Illinois Cares Rx Prescription Assistance Indiana Choice Indiana Hoosier Rx Assistance Kansas Senior Care Act Kentucky Hart-Supported Living Kentucky Personal Care Attendant Maine Home-Based Care Maine DEL and RX Plus Maryland Senior Care Program Maryland Assisted Living Subsidy Maryland In Home-Aide Services Maryland Prescription Assistance Massachusetts HCP and ECOP Programs Massachusetts Prescription Advantage Michigan Adult Medical Program	Minnesota Alternative Care Program Missouri Rx Plan Montana Big Sky Rx Program Nebraska Lifespan Respite Nevada CHIP and COPE Nevada Senior RX Program New Hampshire Catastrophic Illness Program New Hampshire Transitions in Caregiving New Jersey Alzheimer's Adult Day Care New Jersey Statewide Respite Care New Jersey Assistance for Community Caregiving New Jersey Senior Gold and PAAD New York Expanded EISEP Program New York EPIC Rx Assistance Oklahoma Respite Resource Oregon Project Independence Pennsylvania PACE Rx Assistance Rhode Island Enhanced Assisted Living Program Rhode Island RIPAE Rx Assistance Tennessee Nursing Home Grants Texas CCAD Program Texas Community Attendant Services Texas DADS Services to Assist Independent Living Texas In-Home and Family Support Program Utah The Alternatives Program Vermont Rx Assistance Virginia Adult Services Washington Volunteer Chore Services West Virginia Ron Yost Program West Virginia Family Alzheimer’s In-Home West Virginia Lighthouse Program Wisconsin SSI Exceptional Expense Supplement Wisconsin Community Options Program Wisconsin Alzheimer's Family & Caregiver Support Wisconsin SeniorCare Rx Assistance Wisconsin Family Care and Partnership Wyoming CBIHS
State Specific Medicaid Options
Alabama Elderly and Disabled Waiver Alabama Personal Choices (PC) Alabama SAIL Waiver Alaska Personal Care Assistance (PCA) Arkansas DAAS ElderChoices Waiver Arkansas Independent Choices Program Arkansas Living Choices Assisted Living Waiver Arizona Self Directed Attendant Care (SDAC) California Medi-Cal Assisted Living Waiver (ALW) California Medi-Cal Multipurpose Senior Services Program Waiver (MSSP) California Medi-Cal Nursing Facility / Acute Hospital (NF/AH) Waiver Colorado Elderly and Disabled Waiver Colorado CDASS Program Connecticut Personal Care Assistance (PCA) Delaware Elderly & Disabled Waiver Florida Alzheimer’s Disease Waiver (ADW) Florida Nursing Home Diversion (NHD) Waiver Florida’s Aged and Disabled Adult Waiver Florida’s Assisted Living for the Elderly (ALE) Waiver Florida’s Consumer Directed Care Plus (CDC+) Waiver Georgia Community Care Services Program Waiver (CCSP) Georgia Service Options Using Resources in a Community Environment (SOURCE) Waiver Idaho’s HCBS Aged & Disabled Waiver Idaho Personal Care Services Program Illinois HCBS Waiver for Supportive Living Facilities Illinois HCBS Waiver for the Elderly Indiana Aged and Disabled Waiver (A&D) Iowa HCBS Elderly Waiver Kansas HCBS Frail and Elderly (HCBS/FE) Waiver Kentucky Waiver for the Aged Louisiana Adult Day Care Waiver Louisiana EDA Waiver Louisiana LT-PCS Waiver Louisiana Community Choices Waiver Maine Older Adults and Adults with Disabilities Maine Consumer Directed Attendant Services Maryland Medicaid Waiver for Older Adults Mass-Health Frail Elder Home and Community-Based Services Waiver (HCBS) Massachusetts Personal Care Attendant Massachusetts Caregiver Homes Michigan Choice Waiver Program Michigan Home Help Program Minnesota Elderly Waiver Minnesota Personal Care Assistance Minnesota Consumer Support Grant Mississippi Assisted Living Waiver Mississippi Elderly and Disabled (E&D) Waiver Missouri Aged and Disabled Waiver Montana HCBS Waiver Montana Self-Directed Personal Assistance Services North Dakota Aged and Disabled Waiver	Nebraska Aged & Disabled Waiver Nevada HCB Elderly Waiver Nevada HCB Waiver for Assisted Living Nevada Waiver for the Elderly in Adult Residential Care (WEARC) New Hampshire’s Choices For Independence Program New Jersey’s Global Options (GO) for Long-Term Care Waiver New Jersey Personal Preference Program New Mexico CoLTS C Waiver New Mexico Mi Via Program New York Managed Long Term Care Program Waiver (MLTC) New York Consumer-Directed Personal Assistance North Carolina Community Alternatives Program for Disabled Adults Waiver (CAP/DA) Ohio Choices Home Care Waiver Ohio PASSPORT Waiver Oklahoma’s ADvantage Program Waiver Oklahoma Personal Care Program Older Alaskans Program Oregon Aged & Disabled Waiver Oregon Independent Choices Program Oregon Client-Employed Provider Oregon Spousal Pay Program Pennsylvania Department of Aging (PDA) Waiver Pennsylvania Services My Way Rhode Island Personal Choice Program Rhode Island Shared Living Program South Dakota HCBS Waiver for the Elderly South Carolina Community Choices Waiver Tenn-Care Elderly and Disabled Home and Community Based Services Waiver (E&D HCBS) Tennessee CHOICES in Long-Term Care Texas Community Based Alternatives Waiver (CBA) Texas Star Plus Waiver Texas Primary Home Care Texas Day Activity and Health Services Utah Aging Waiver for Individuals Age 65 or Older Vermont Choices for Care Vermont Attendant Services Virginia Alzheimer's Assisted Living (AAL) Waiver Virginia Elderly or Disabled with Consumer Direction (EDCD) Waiver Virginia Technology Assisted Waiver Washington Community Options Program Entry System Waiver (COPES) Washington Medically Needy In-Home Waiver (MNIW) Washington New Freedom Program Washington Medicaid Personal Care West Virginia Medicaid Personal Care West Virginia Aged and Disabled Waiver Wisconsin CIP-II and COP-W Wisconsin IRIS Program Wyoming Assisted Living Waiver Wyoming HCBS Waiver
Home Modifications
HUD Improvement Loans USDA Rural Repair Grants Veterans’ SHA, SAH and HISA Grants Rebuilding Together Community Building Projects	Medicaid Waivers for Home Mods State Assistance Programs Non-Profit Resources Misc. Other Home Mod. Resources
Durable Medical Equipment and Supplies
Medical Equipment and Supplies Homepage Medicare and Medical Equipment Medicaid and Medical Equipment Buying Used Medical Equipment Renting vs Buying Medical Equipment	Medical Equipment Reverse Auctions Veterans Assistance for DME State Assistive Technology Programs Non-Profit Assistance for DME

Medical Equipment and Supplies Homepage
Medicare and Medical Equipment
Medicaid and Medical Equipment
Buying Used Medical Equipment
Renting vs Buying Medical Equipment

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