Financial Aid & Care Resources for Long Term Senior Care

Page Reviewed / Updated - Jan. 2014

On this website, we maintain eligibility and benefits information for over 300 programs which help pay for or reduce the cost of caring for an elderly loved one.  Browse the program links below or search for programs using our Resource Locator Search Tool.

Today in the US, nearly all money spent on home care, assisted living and nursing home care comes from one of the following four sources.

  • Government Programs - Medicaid, Veterans’ Benefits and Social Security
  • Insurance Coverage - Life, Long Term Care, Medicare and other Health Insurance
  • Private Assistance - Non-Profits, Foundations and Pharmaceutical Companies
  • Personal Property - A Family’s Resources, Private Loans and Home Equity

Within these four categories, there are many hundreds of options. Some provide assistance, financial and otherwise, for any purpose and others are specifically designed to help with certain types of care such as home care or assisted living or for specific conditions such as Alzheimer's or Parkinson's.

Federal Government Programs

Social Security & Related


Social Security

Supplemental Security Income

Survivors’ Benefits

State SSI Supplementary Payments



Medicaid's Assisted Living Benefits

Medicaid's Home Care Benefits

Medicaid's Adult Day Care Benefits

Medicaid's Home Modification Benefits

Cash and Counseling Program

State Medicaid Programs

Veterans & Military

Tax Credits & Deductions

Veteran's Guide to Paying for Care

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 Savings Programs

Medigap Policies

PACE Medicare Programs

Free Medicare Counseling

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

Prescription Drug Discount Cards

State Non-Medicaid Programs

Arizona NMHCBS

Alaska Senior Benefits

Alaska Senior Access Program

Alaska Adult Day Services

Alaska Senior In-Home Services

California Alzheimer's Day Care

California In-Home Supportive Services

Colorado Old Age Pension

Colorado Adult Foster Care

Colorado Home Care Allowance

Connecticut CHCPE

Connecticut Congregate Housing Services

ConnPACE RX Assistance

Delaware RX Assistance Program

Delaware Adult Day Care and Alzheimer's Day Treatment

CARE Delaware

DC's Senior Citizens' Home Repair

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

Florida Local Services Program

Georgia Home and Community Based Services

Hawaii Kupuna Care

Hawaii Pharmacy Assistance

Hawaii Chore Services Program

Hawaii Adult Foster Care

Idaho Senior Respite

Idaho Homemaker Services

Illinois Community Care

Illinois Circuit Breaker Property Tax Relief

Illinois Cares Rx Prescription Assistance

Illinois Home Modification Assistance

Indiana Choice

Indiana Hoosier Rx Assistance

Iowa Able Foundation Loan Program

Iowa Senior Living - Case Management Program

Kansas Senior Care Act

Kentucky Hart-Supported Living

Kentucky Personal Care Attendant

Kentucky Adult Day Care and Alzheimer's Respite

Maine Home-Based Care

MaineHousing Home Repair Program

Maine DEL and RX Plus

Maryland Senior Care Program

Maryland Assisted Living Subsidy

Maryland Congregate Housing

Maryland In Home-Aide Services

Maryland Prescription Assistance

Massachusetts HCP and ECOP Programs

Massachusetts Prescription Advantage

Michigan Adult Medical Program

Minnesota Alternative Care Program

Minnesota Group Residential Housing

Mississippi In Home Care Services / Homemaker Program

Missouri Rx Plan

Montana Big Sky Rx Program

Nebraska Lifespan Respite

Nebraska Social Services for Aged and Disabled Adults

Nebraska Disabled Persons and Family Support

Nebraska Assistance to the Aged, Blind, or Disabled

Nevada CHIP and COPE

Nevada Senior RX Program

Nevada Homemaker 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

North Carolina Project C.A.R.E.

North Carolina In-Home Aide Services

North Dakota Older Americans Act Services

North Dakota SPED and Ex-SPED

Oklahoma Respite Resource

Oklahoma Adult Day Care Services

Oklahoma In Home Assistance Services for the Elderly

Oregon Project Independence

Pennsylvania PACE Rx Assistance

Pennsylvania Domiciliary Care Program

Pennsylvania Options Program

Rhode Island Enhanced Assisted Living Program

Rhode Island RIPAE Rx Assistance

Rhode Island Home and Community Care Co-Pay Program

South Dakota Homemaker, Chore and Respite Care Programs

Tennessee Nursing Home Grants

Tennessee OPTIONS for Community Living

Tennessee Homemaker & Adult Day Care

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

Vermont Dementia Care Respite

Virginia Adult Services

Virginia Auxiliary Grant

Washington Volunteer Chore Services

West Virginia Ron Yost Program

West Virginia In Home Services for the Elderly

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

Wisconsin Alzheimer’s Family and Caregiver Support

Wyoming CBIHS

State Specific Medicaid Options

Alabama Elderly and Disabled Waiver

Alabama Personal Choices (PC)

Alabama SAIL Waiver

Alaska Personal Care Assistance (PCA)

Alaska Older Alaskans Program

Arkansas DAAS ElderChoices Waiver

Arkansas Independent Choices Program

Arkansas Living Choices Assisted Living Waiver

Arizona Self Directed Attendant Care (SDAC)

Arizona LTC Services

California Medi-Cal Assisted Living Waiver (ALW)

California Medi-Cal CBAS Program

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)

Connecticut Assisted Living Program

Delaware Elderly & Disabled Waiver

Delaware Diamond State Health Plan Plus

DC Elderly and Person with Disabilities Medicaid 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

Florida Statewide Managed Long Term Care

Georgia Community Care Services Program Waiver (CCSP)

Georgia Service Options Using Resources in a Community Environment (SOURCE) Waiver

Hawaii QUEST Expanded Access (QExA)

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

Kentucky Supports for Community Living Waiver

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

Massachusetts Group Adult Foster Care & SSI-G

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

Missouri Home and Community Based Services

Montana HCBS Waiver

Montana Self-Directed Personal Assistance Services

Montana Big Sky Bonanza

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

New York Assisted Living Program

North Carolina Community Alternatives Program for Disabled Adults Waiver (CAP/DA)

North Carolina Adult Care Home Assistance

North Carolina Special Assistance In-Home Program for Adults

North Dakota Aged and Disabled Waiver

Ohio Choices Home Care Waiver

Ohio PASSPORT Waiver

Ohio Assisted Living Waiver

Ohio Residential State Supplement

Oklahoma’s ADvantage Program Waiver

Oklahoma Personal Care 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 Home and Community Care Waiver

Rhode Island Shared Living Program

South Dakota HCBS Waiver for the Elderly

South Dakota Personal Care Services

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

Utah Medicaid New Choices Waiver

Vermont Choices for Care

Vermont Attendant Services

Vermont High Technology Home Care

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 Residential Waiver

Washington New Freedom Program

Washington Medicaid Personal Care

Washington Nurse Delegation Program

West Virginia Medicaid Personal Care

West Virginia Aged and Disabled Waiver

Wisconsin CIP-II and COP-W

Wisconsin IRIS Program

Wisconsin Medicaid Personal Care

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 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

Home Care / Disposable Medical Supplies Homepage

Paying for Incontinence Supplies / Adult Diapers

Compensation for Injuries and Accidents: Reimbursement for Recovery and Care

Compensation for Fall Injuries

Compensation for Pedestrian Injuries

Compensation for Injuries from Motor Vehicles

Defective Product Injuries

Medical Conditions from Defective Drugs

General Accident and Injury Compensation