A guide to veteran pensions, family-directed Medicaid programs (IHSS, CDPAP, ALTCS), and long-term care insurance. Each program decides eligibility. assistedhelp.com does not.
Three questions to see which offices or policies to contact. This is not an eligibility decision.
A tax-free monthly benefit paid on top of standard VA pension for wartime veterans and surviving spouses who require assistance with daily living activities.
Consumer-directed personal assistance programs empower families to choose their own caregivers, with wages paid directly through state Medicaid allocations.
Private LTC policies (Genworth, Mutual of Omaha, Northwestern Mutual, Brighthouse) reimburse daily home care expenses once elimination periods are satisfied.
Medicaid spend-down, also called a share of cost or a medically needy pathway, lets someone whose income is above the Medicaid limit qualify by subtracting medical expenses — including home care — until what remains is under the state threshold. It is not one federal rule. New York, California, and Arizona each run their own programs (CDPAP, Medi-Cal/IHSS, and ALTCS). assistedhelp.com does not decide eligibility. Confirm spend-down with the state Medicaid office before counting on it to pay a private caregiver.
Standard Medicare Parts A and B only cover short-term, intermittent skilled nursing or therapy following hospitalization. However, many Medicare Advantage (Part C) plans now provide supplemental home care allowances (SSBCI) that cover custodial care hours.
After a visit you can open the log from your family dashboard and print it. It includes hours and, when captured, the phone location. Ask your insurer whether they will accept that log. assistedhelp.com does not format it as an official claim.
Sometimes. If a physician certifies a chronic illness and a need for help with at least two ADLs, some expenses may count as medical expenses once they exceed 7.5% of adjusted gross income. Ask a tax professional. assistedhelp.com does not prepare returns.