North Carolina Adult Care Home Assistance (SA/ACH)

Program Description

 This program is unique in that it is intended to pay for assisted living room and board costs instead of personal care services. 

The Adult Care Home Assistance program provides elderly and low income North Carolina residents with financial help to pay for the costs of adult foster care, assisted living or family care homes. Many Medicaid programs provide financial help or services for individuals in assisted living but do not cover the cost of room and board. This program is different in that it is specifically intended to help with the cost of rent or room and board.

Intended beneficiaries of this program include individuals that require personal care and supervision but not necessarily daily medical care, as this would require full nursing home care. Elderly individuals that have limited mobility, persons with Alzheimer's or dementia are typical candidates for Adult Care Home Assistance.

This program is under the management Division of Aging and Adult Services and is also referred to as State / County Special Assistance Adult Care Home Program (SA/ACH).


Eligibility Guidelines

This program's policies restrict participation based on the applicant's age, residency, functional ability and financial status.

Age - applicants must be at least 65 years of age unless they are designated as disabled by Social Security. Disabled individuals must be at least 18 years old.

Residency - applicants must be US Citizens and residents of North Carolina. As their home address is often that of their adult care home, applicants must prove residency with a prior address in NC.

Functional Ability - applicants must have a medically documented need for the level of care provided in an adult care home. Typically, this means that the individual requires assistance with common activities, such as bathing, dressing, or getting out of a chair. An Applicant's care needs cannot be so extensive that nursing home care is required.

Financial Status - the financial requirements for this program are the same as for NC Medicaid. In 2017, this means the individual can have income of up to $1005 per month or a married couple up to $1,353. Their countable financial assets, excluding a home and primary vehicle, cannot be more than $2,000 for an individual and $3000 for a couple. North Carolina Medicaid staff will consider a life insurance policy's cash surrender value as a countable asset.

Couples and individuals who have incomes over these limits may qualify for the state's other Medicaid programs through the "Medically Needy" provisions. Find out more about the types of assistance available to help applicants meet these financial limits by consulting a benefits adviser. Learn more.


Benefits and Services

This program pays for room and board costs in adult care homes (assisted living) but does not cover medical care. However, eligibility for this program means that the recipient is also Medicaid eligible. North Carolina Medicaid covers medical and non-medical care for the beneficiary.

The maximum amount of assistance is determined by the applicant's income and by the rate licensed adult care homes charge their residents. This amount is approved by the state. In 2017, the maximum benefit is approximately $1,603 per month. Actual benefit rates are calculated by subtracting the recipient’s current income from the maximum benefit. The difference is paid as the housing benefit.


How to Apply / Learn More

To apply contact, North Carolina residences should contact their county Department of Social Services. More information about this program is available on the Division of Aging and Adult Services website. Applications for this program must be made in person at the county department of social services. A brochure can be downloaded here.

Assistance is also available for North Carolina residents who wish to receive care at home.  Read more