Are there financial benefits available to a primary caregiver?

Smlyrb asked...

Are their benefits for being the primary caregiver?

Expert Answer

There are two ways you might receive some financial benefits for being a caregiver. In some states, you might be able to get paid as a home care aide if the state Medicaid  program is paying home care benefits to the person you're caregiver for. But for you to get such payments, you'd have to be certified by the state as a home care provider. To get certified, you have to go through training that meets state and Medicaid requirements. Such training is often available for low fees at local community colleges or adult schools. One place to start finding out about getting certified is your county's local social services or human services department; ask them about Medicaid caregiver certification. Or, you can use an Internet search engine -- in the search field, enter the name of your state plus the words "Medicaid paid caregiver."

Another way to get paid is if the person you're caring for is receiving long-term care private insurance home care benefits. Some long-term care insurance policies only pay for home care that is provided through a licensed home care agency. But other policies pay for care provided by individual home care aides if they are certified by the state as home care aides. And still other policies pay a daily benefit amount directly to the insured person, who can turn around and use it pay anyone. If the person you're caring for has such a policy, carefully read the sections of the policy that describe home care benefits.