Indiana Aged and Disabled Medicaid Waiver / CDAC Program

Page Reviewed / Updated - Mar. 2015

What is a Medicaid Waiver?
For persons with limited financial resources, Medicaid pays for nursing home care. For those who wish to live at home or in assisted living, sometimes Medicaid will pay for care in those locations if it can be obtained at a lower cost than in a nursing home. It does this through "Medicaid Waivers" which are also called Home and Community Based Services (HCBS) Waivers or Waiver Funded Services.

Waiver Description

 The program provides assistance to individuals at home or in assisted living.  Persons receiving care at home can hire family members as care providers.

This Indiana 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 their quality of life and 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.

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. 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.


Eligibility Guidelines

There are 4 main criteria for qualification.

1) Age - persons must be at least 65 years old to receive services.

2) Place of Residence - applicants must be willing to live in an approved assisted living residence or at home instead of in a nursing home.

3) Functional - individuals must be assessed and found to require the level of care provided in nursing homes.

4) Financial - candidates must fall within the financial guidelines for Indiana Medicaid.

In 2015, Indiana Medicaid has income limits for an individual applicant of $2,199 / month. Married applicants can have higher incomes if their spouse is not also seeking Medicaid. In this situation, their joint income can be allocated to the non-applicant spouse as a living allowance, effectively lowering the applicant spouse's income to the appropriate level.
There is also a maximum resource requirement in 2015 of $2,000 in countable resources for a single applicant. Married couples with only one applicant are permitted up to $119,220 provided it is allocated to the non-applicant spouse. 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 $551,000.

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 and assets can be allocated into trusts or converted in non-countable assets. Families who are not confident they qualify, should contact a Medicaid planner in advance of filing application paperwork.  Learn more about this option.  


Benefits and Services

The range of services 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.

  • Adult Day Services
  • Adult Family Care (Structured Family Caregiving)
  • Assisted Living
  • Attendant Care
  • Case Management
  • Community Transition
  • Environmental Modifications and Assessment
  • Home Delivered Meals
  • Homemaker Services
  • Medical Equipment and Supplies
  • Personal Emergency Response System (PERS)
  • Respite Care
  • Transportation Assistance
  • Vehicle Modifications


How to Apply / Learn More

This waiver is available statewide.  More detailed information is available here.   To learn more or apply for the waiver, one can call 1-888-673-0002 or their local Indiana Area Agency on Aging.

 It is likely there will be waiting lists to enroll. Candidates may be able to put themselves on a waiting list in advance of having the need for services.  Discuss this with your Area Agency on Aging.