Eldercare financial assistence locator. Discover all your options. Search over 400 programs.

Our goal is to help families find the means to pay for senior care by providing objective information and interactive tools on our ad-free, easy-to-use and comprehensive website. Read More

Financial Aid & Care Resources for Long Term Senior Care

Page Reviewed / Updated - November 19, 2019

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	Medicaid
Social Security Supplemental Security Income Survivors’ Benefits State SSI Supplementary Payments	Medicaid Medicaid's Caregiver Child Exemption Medicaid's Assisted Living Benefits Medicaid's Adult Foster Care Benefits Medicaid's Home Care Benefits Medicaid's Adult Day Care Benefits Medicaid's Home Modification Benefits Medicaid & Personal Emergency Response Services 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 Dependent Parent Benefit 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 Family & Medical Leave Act
Insurance Options
Medicare Related	Life Insurance
Medicare 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 Unison HomeOwner Agreements (formerly 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 Hilarity for Charity Grant Program	Financial Aid for Kidney Patients Leukemia & Lymphoma Society Aid Patient Assistance Programs Prescription Drug Discount Cards
State Non-Medicaid Programs
Alaska Senior Benefits Alaska Senior Access Program Alaska Adult Day Services Alaska ADRD Mini-Grants Alaska Pioneer Homes Alaska Senior In-Home Services Arizona NMHCBS California Alzheimer's Day Care California Paid Family Leave Colorado Old Age Pension Colorado Adult Foster Care Colorado Home Care Allowance Connecticut Home Care Program for Elders Connecticut Choices at Home Project* Connecticut Statewide Respite Care Program Connecticut Congregate Housing Services ConnPACE RX Assistance* Delaware RX Assistance Program* Delaware Adult Foster Care Delaware Adult Day Care & Alzheimer's Day Treatment Delaware Assistance for Caregivers Program (formerly CARE Delaware) District of Columbia Senior Citizens' Home Repair* District of Columbia Caregivers’ Institute DC Single Family Residential Repair Program DC Universal Paid Leave Act DC Safe at Home Program 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 Kupuna Caregivers Program Hawaii Community Living Program Hawaii Adult Foster Care Idaho Senior Respite Idaho Homemaker Services Illinois Circuit Breaker Property Tax Relief* Illinois Cares Rx Prescription Assistance* Illinois Home Modification Assistance* Illinois Home Accessibility Program Indiana Choice Indiana Residential Care Assistance Program 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 Homecare Program Kentucky Adult Day Care and Alzheimer's Respite Louisiana Permanent Supportive Housing Maine Consumer Directed Home-Based Care MaineHousing Home Repair Program Maine DEL and RX Plus Maine Caregiver Respite Program Maryland Senior Care Program Maryland Assisted Living Subsidy Maryland Congregate Housing Maryland In Home-Aide Services Maryland Prescription Assistance Maryland Accessible Homes for Seniors Maryland Attendant Care Program Maryland Project Home Massachusetts HCP and ECOP Programs Massachusetts Supportive Senior Housing Initiative Massachusetts Prescription Advantage Michigan Adult Medical Program* Minnesota Alternative Care Program Minnesota Essential Community Supports Minnesota Group Residential Housing Minnesota Consumer Support Grant 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 Community Options Program for the Elderly Nevada Senior RX Program Nevada Homemaker Program Nevada Personal Assistance Services Nevada Assistive Technology for Independent Living 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 Jersey Family Leave Insurance New Jersey Congregate Housing Services Program New Mexico Older Americans Act Services New Mexico MEDBANK Program New York Community Services for the Elderly New York RESTORE Program New York Paid Family Leave Law New York Naturally Occurring Retirement Communities New York Expanded EISEP Program New York EPIC Rx Assistance North Carolina Project C.A.R.E. North Carolina In-Home Aide Services North Carolina Adult Care Home Assistance North Carolina Special Assistance Adult Care Home (for Alz. & Dementia) North Carolina Special Assistance In-Home Program for Adults North Dakota Older Americans Act Services North Dakota SPED and Ex-SPED Ohio Older American Act Services Ohio Elderly Services Program Ohio Residential State Supplement 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 Pennsylvania Assistive Technology Foundation Rhode Island Enhanced Assisted Living Program Rhode Island RIPAE Rx Assistance Rhode Island CareBreaks Program Rhode Island Temporary Caregiver Insurance Rhode Island Home and Community Care Co-Pay Program South Carolina Older Americans Act Services South Dakota Homemaker and Respite Care Programs South Dakota ASA In-Home Services Tennessee Nursing Home Grants* Tennessee OPTIONS for Community Living Tennessee 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 Vermont Home Access Program & Sue Williams Fund Vermont Home Sharing Program Virginia Adult Services Virginia Auxiliary Grant Washington Volunteer Chore Services Washington Tailored Support for Older Adults 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 Wyoming CBIHS / Home Services
State Specific Medicaid Options
Alabama Elderly and Disabled Waiver Alabama Personal Choices (PC) Alabama SAIL Waiver Alabama Community Transition Waiver Alaska Personal Care Assistance (PCA) Alaska Older Alaskans Program* Alaskans Living Independently Alaska Adults with Physical & Developmental Disabilities Waiver Arizona LTC Services Arizona Agency With Choice Arizona Self Directed Attendant Care (SDAC) Arkansas DAAS ElderChoices Waiver* Arkansas Independent Choices Program Arkansas AR Choices in Homecare Arkansas Living Choices Assisted Living Waiver Arkansas Personal Care California In-Home Supportive 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 Home and Community-Based Alternatives (HCBA) Waiver (formerly Nursing Facility / Acute Hospital (NF/AH) Waiver) Colorado Elderly and Disabled Waiver Colorado CDASS Program Connecticut Personal Care Assistance (PCA) Connecticut Community First Choice Option Connecticut Adult Family Living / Caregiver Homes Connecticut Assisted Living Program Delaware Elderly & Disabled Waiver* Delaware Diamond State Health Plan Plus DC Elderly and Person with Disabilities Medicaid Waiver DC Adult Day Health Care & Personal Care Florida Alzheimer’s Disease Waiver (ADW)* Florida Nursing Home Diversion (NHD) Waiver* Florida Aged and Disabled Adult Waiver* Florida Assisted Living for the Elderly (ALE) Waiver* Florida 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 Med-QUEST (formerly Expanded Access (QExA)) Idaho HCBS Aged & Disabled Waiver Idaho Personal Care Services Program Idaho Medicare Medicaid Coordinated Plan Illinois Community Care Illinois HCBS Waiver for Supportive Living Facilities Illinois HCBS Waiver for the Elderly Illinois - HealthChoice Illinois Illinois Medicaid-Medicare Alignment Initiative Illinois My Choices Project* Indiana Aged and Disabled Waiver (A&D) Indiana Structured Family Caregiving / Caregiver Homes Iowa HCBS Elderly Waiver Iowa Health and Disability 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 Louisiana Community Choices Waiver Maine Older Adults and Adults with Disabilities Maine Consumer Directed Attendant Services Maryland Community Options Waiver for Older Adults Maryland Community Pathways Maryland Community Personal Assistance Maryland Community First Choice Program Maryland Medical Day Care Maryland Increased Community Services Mass-Health Frail Elder Home & Community-Based Services Waiver Massachusetts Adult Day Health Massachusetts Personal Care Attendant Massachusetts Caregiver Homes Massachusetts Group Adult Foster Care & SSI-G Michigan Choice Waiver Program Michigan Health Link Program Michigan Home Help Program Minnesota Elderly Waiver Minnesota Community Access for Disability Inclusion Waiver Minnesota Personal Care Assistance Minnesota Managed Care: MSC+ & MSHO Mississippi Assisted Living Waiver Mississippi Independent Living Waiver Mississippi Elderly and Disabled (E&D) Waiver Missouri Aged and Disabled Waiver Missouri Supplemental Nursing Care Assistance Missouri Home and Community Based Services Missouri Independent Living Waiver Missouri Consumer Directed State Plan Personal Care	Montana HCBS Waiver Montana Self-Directed Personal Assistance Services Montana Big Sky Bonanza* Nebraska Aged & Disabled Waiver Nebraska Personal Assistance Services Nevada HCB Elderly Waiver Nevada HCBW for Persons with Physical Disabilities Nevada Personal Care Services Nevada HCB Waiver for Assisted Living* Nevada Waiver for the Elderly in Adult Residential Care* New Hampshire’s Choices For Independence Program New Hampshire Personal Care Attendant Services New Jersey’s Global Options (GO) for Long-Term Care Waiver* New Jersey Personal Preference Program New Jersey Managed Long Term Services & Supports New Mexico CoLTS C Waiver* New Mexico Mi Via Program* New Mexico Centennial Care Community Benefit New York Managed Long Term Care Program Waiver (MLTC) New York Consumer-Directed Personal Assistance New York Assisted Living Program New York Community First Choice Option North Carolina Community Alternatives Program for Disabled Adults Waiver (CAP/DA) North Carolina Personal Care Services North Dakota Aged and Disabled Waiver North Dakota State Plan Personal Care Services Ohio Choices Home Care Waiver* Ohio PASSPORT Waiver Ohio Assisted Living Waiver Ohio MyCare Plan Oklahoma ADvantage Program Waiver Oklahoma Personal Care Program Oregon Aged & Disabled Waiver Oregon Independent Choices Program Oregon Client-Employed Provider Oregon K Plan Oregon Spousal Pay Program Pennsylvania Department of Aging (PDA) Waiver Pennsylvania Services My Way Pennsylvania HealthChoices Program Rhode Island Personal Choice Program* Rhode Island Home and Community Care Waiver* Rhode Island Global Consumer Choice Compact Waiver Rhode Island Shared Living Program South Dakota Hope Waiver (formerly the HCBS Waiver for the Elderly) South Dakota Personal Care Services South Carolina Community Choices Waiver South Carolina Community Supports Tenn-Care Elderly & Disabled Home & Community Based Services Waiver* Tennessee CHOICES in Long-Term Care Texas Community Based Alternatives Waiver (CBA)* Texas Star Plus Waiver Texas Community First Choice Program Texas Primary Home Care Texas Day Activity and Health Services Utah Aging Waiver for Individuals Age 65 or Older Utah Medicaid New Choices Waiver Utah State Plan Personal Care Services Vermont Choices for Care Vermont CFC Moderate Needs Group Vermont Global Commitment to Health Waiver Vermont Attendant Services Vermont Adult Day Care Vermont High Technology Home Care Vermont Assistive Community Care Services Virginia Alzheimer's Assisted Living (AAL) Waiver* Virginia Elderly or Disabled with Consumer Direction (EDCD) Waiver* Virginia Technology Assisted Waiver* Virginia Commonwealth Coordinated Care Plus Washington Community Options Program Entry System Waiver (COPES) Washington Community First Choice Option Washington Medically Needy Residential Waiver* Washington Medicaid Alternative Care Program 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 Family Care and Partnership Wisconsin IRIS Program Wisconsin Medicaid Personal Care Wyoming Assisted Living Waiver* Wyoming HCBS Waiver* Wyoming Community Choices 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

*Expired Program

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