Structured Family Caregiving / Indiana Caregiver Homes Program

Program Description

Structured Family Caregiving (SFC), also known as Caregiver Homes of Indiana, is a new model of caregiving that provides financial and supportive services. It empowers caregivers to care for seniors and those with disabilities who wish to remain at home, or in the home of an approved caregiver, rather than become institutionalized into a nursing home. It is not a standalone program, but rather a benefit associated with Indiana's Aged and Disability Medicaid Waiver.

Structured Family Caregiving works as follows: a caregiver either moves into the home of an elderly individual or, the reverse, the elderly person moves into the caregiver's home. The caregiver receives financial compensation for providing care to the elderly individual who would otherwise require nursing home level care. 

 Under this program, the adult children of aging parents receive compensation for having their aging parent live with them and being their primary caregiver.

Caregivers can be related to the care recipients. Commonly, it is the adult children who become the paid caregivers. However, there is no requirement that care recipient and caregivers be related. Sometimes, a friend, in-law or neighbor becomes the caregiver. Spouses and legal guardians are prohibited from participating in this program as compensated caregivers.

Administrators at local state agencies supervise and approve all SFC caregiver / care recipient matchings and are responsible for training and paying caregivers. There are also intermediary agencies who manage much of the eligibility and compliance process with the state, freeing caregivers to provide care.  For their role, the intermediary agencies can take between 20% - 40% of the caregiver compensation. If you are considering working as a paid caregiver through this program, it is important to understand how much the agency takes and the services they provide.


Eligibility Guidelines

Eligibility requirements apply to the both care recipient and the one applying to be the caregiver.

Care Recipient Requirements 
To qualify under the SFC program, an applicant must be a resident of Indiana, be financially eligible for the Aged and Disability Medicaid Waiver, and meet the Level of Care for Nursing Facility placement as determined by a case manager. This generally means that the care recipient needs help with three personal care items per day. The eligible individual must also live full time with his or her caregiver. 

Caregiver Requirements
The primary caregiver must be at least 18 years of age and be deemed physically and mentally capable of performing their caregiving responsibilities. He or she must be willing to complete a criminal background check. They cannot be the applicant’s spouse or their legal guardian.


Benefits and Services

A case manager and a registered nurse from the SFC overseeing agency create a service plan tailored to each individual applicant’s needs. Applicants are placed into one of three levels, which determine the amount of compensation the caregiver receives. Below, we estimate the monthly compensation caregivers receive as well as the amount intermediary agency takes. The level of care indicates the amount of personal care needs are required.  The numbers in the table are current as of October 2017 and will remain current until October 2018.

Care Level

Est. Monthly Caregiver Compensation

Est. Monthly Agency Compensation

Total State Payment

Level 1

$946.11 - $1,261.48


$315.37 - $630.74



Level 2

$1,380.22 - $1,840.30


$460.07 - $920.15



Level 3

$1,876.35 - $2,501.80


$625.45 - $1,250.90



Caregivers are expected to provide for the clear majority of the care recipient's personal care needs. This includes housekeeping, laundry, shopping, transportation, and assisting with activities of daily living, such as eating, dressing, and mobility. However, the case manager and registered nurse from SFC will continue to make bi-monthly home visits to offer support.

Care recipients can also continue to receive some services available via the Aged and Disabled Waiver. Most notably they can receive adult day care, transportation to and from adult day care and medical appointments, and limited financial assistance for assistive devices and home modifications that increase their home's safety and accessibility.


How to Apply / Learn More

For more information about the Structured Family Caregiving program, call the Indiana Division of Aging toll free at 1-888-673-0002. Persons wishing to apply for Medicaid or become eligible for the Indiana Aged and Disabled Waiver should contact their local Indiana Area Agency on Aging.