Page Reviewed / Updated - Mar. 2017
The Indiana Aged and Disabled Medicaid Waiver is intended to help elderly or disabled state residents that require the types and level of care provided in nursing homes. By offering services and support to help these individuals live at home instead of in nursing facilities, the state can both improve the quality of life of the individual, as well as save money by decreasing its nursing home costs. Services provided under this waiver are also extended to individuals in certain Medicaid-approved assisted living residences and adult family care homes, also referred to as adult foster care. This wavier can also assist individuals currently residing in a nursing home facility to transition back into the community.
Associated with this waiver is a self-directed care option called the Consumer-Directed Attendant Care Program or CDAC Program. Individuals who choose this option are given the flexibility to select their own personal care providers, monitor them, as well as fire them. Since no medical training is required to provide most forms of personal care, a broad range of individuals can be hired to provide these services, including friends and some family members of the care recipient.
Applicants must meet the 4 main criteria for qualification:
1) Residency – must be a resident of the state of Indiana.
2) Place of Residence - must be willing to live in an approved assisted living residence, home of a family member, or in your own home, instead of in a nursing home.
3) Functional - must be assessed and found to require at least the level of care provided in nursing homes.
4) Financial - must fall within the financial guidelines for Indiana Medicaid long term care.
Indiana Medicaid has an income limit for an individual applicant, which cannot exceed $2205 per month rate in 2017. Total monthly income, including the gross amount from Social Security, should be used when evaluating eligibility. Married applicants can have higher incomes. If one spouse is not seeking Medicaid, their income is not counted. When the non-applicant spouse has low income, joint income can be allocated to the non-applicant spouse as a living allowance.
There is also a maximum resource requirement in 2017 of $2,000 in countable resources for a single applicant. Married couples with only one applicant are permitted up to $122,900 in assets. Countable assets do not include the home provided a) it is lived in by one of the homeowners and b) the value of the owner's equity does not exceed $560,000.
Families whose income or assets exceed these limits may still qualify for Medicaid although it may be necessary to find financial or legal assistance to do so. Professional Medicaid planners can help potential applicants to arrange their financial assets so that they can qualify. Excess income can be allocated into Qualified Income Trusts. Assets over the limits may be converted to non-countable assets. Families that are not confident they qualify, should contact a Medicaid planner in advance of filing application paperwork. Learn more about this option.
The range of services that are paid for by this waiver have been specifically chosen to help individuals remain living outside of nursing homes. Applicants are evaluated individually, and in addition to case management, their customized plan of services may include any of the following. Certain services listed below can be consumer directed, most notably attendant / personal care.
Although this waiver is available throughout the state, it is not an entitlement. More detailed information is available here. To learn more or apply for this waiver, one can call 1-888-673-0002 or contact their local Indiana Area Agency on Aging. The AAA will start the application process with a telephone interview.