Page Reviewed / Updated – February 08, 2021

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


Social Security

Supplemental Security Income

Survivors’ Benefits

State SSI Supplementary Payments


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 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

Eldercare Financial Assistance Locator

  • Discover all of your options
  • Search over 400 Programs

Eldercare Financial Assistance Locator

  • Discover all of your options
  • Search over 400 Programs