Unfortunately, securing the proper waivers is no easy feat, and even then, some states limit the total number of waiver enrollments, which could mean that the Medicaid recipient gets put on a waiting list. Additionally, to qualify, family members themselves first need to get training and then be approved by the state as a Personal Care Attendant PCA.
Nonetheless, with Medicaid recipients who receive in-home care from family members reporting a higher quality of life versus a nursing home, and many family members feeling an obligation to help provide care where at all feasible, the Cash and Counseling program may make it at least a little more economically feasible for family members to help their loved ones receive the care they wish to give themselves.
You can contact him at rbernard02 massmutual. Every day thousands of baby boomers are approaching an age or condition where they will begin requiring daily long-term care. While some had the foresight, guidance, and wealth to purchase a form of long-term care insurance, the vast majority will have to rely on the relatively limited long-term care benefits of Medicare, and otherwise may spend down their personal assets to the point that they are at the mercy of Medicaid as their health declines.
In most cases, those who rely on Medicaid end up going to a nursing home that accepts Medicaid patients, but many families attempt to intervene and provide care in the home as family caregivers. In some cases, severe health conditions simply do not make family caregiving feasible, but often, the limitation is simply that the family itself cannot make its own financial ends meet by taking time off from work to care for elderly family members. A senior accepted into this program will be given a monthly budget for purchasing Activities Of Daily Living ADL assistance, and with the appropriate waiver, the cash from this budget may be used to hire a family member as a Personal Care Attendant PCA caregiver for helping with those ADLs.
It also may be helpful to direct them, or any senior client for that matter, to Benefits Checkup to see what other programs they may possibly take advantage of. Notwithstanding particular variances from one state to the next, to qualify for paid family caregiver benefits under Medicaid in general, the senior will first have to apply for Medicaid in the appropriate state at their local Medicaid office.
Processing the application for the waiver for the family member to actually get paid as a caregiver can take months for a current Medicaid patient, and could take several more months for a senior who is just now first applying for Medicaid. In fact, once the waiver application is processed, many states still limit the total enrollment for the waiver i. In addition, as noted earlier, not all states even offer a reimbursement plan which is determined not by where the family caregiver lives, but where the senior themselves has applied for and been approved for Medicaid , as not all states have chosen to opt into the program.
Though based on the numbers showing the insufficient projected increase in personal care attendants PCA , the remaining states may not have much of a choice but to offer comprehensive Care and Counseling at some point. In fact, since the turn of the century, Congress has introduced dozens of bills that would in some way enhance the situations of family caregivers, the most recent bill being the RAISE Family Caregivers Act.
There are also some states where your client may be reimbursed as a family caregiver if he or she serves as an adult foster care provider. While the rules again do vary by the state, they generally involve needing to register with the state as a licensed care provider, pass a background check, and enroll in some caregiver training. States also have their own educational attainment level requirements for prospective PCAs, though a high school diploma is usually sufficient, and for those who want to go deeper, relevant classes are often offered at local community colleges.
On the other hand, some states have a PCA network represented by a union that assists with establishing more competitive PCA wages. Then the patient, who must have a qualified chronic condition or need help with several ADLs, will need a doctor's approval for the program. A budget will then be constructed based on the hourly needs and economic factors within the geographic region.
Some programs have a strict monthly budget, while others just focus on determining total hours needed as well as an appropriate hourly wage. Home care agencies where clients generally cannot choose who provides their care. But some states allow the home care agencies to hire the patient ' s relatives or friends to provide the care under limited circumstances, such as when the family lives in a rural area and adequate care is not otherwise available, or when there are special medical conditions or hardships.
Those that do, pay them through the agency, which is their employer, and require them to have the same training as a regular home health aide or personal care assistant hired through an agency. States most often allow this consumer-directed option under a Medicaid waiver or a state-funded program for limited numbers of people under special circumstances, for instance when the person lives in a rural area or cannot otherwise find appropriate help through an agency.
If the programs use federal Medicaid or Medicaid waiver money, payments can generally go only to family members and other relatives who are not legally responsible for the client ' s support.
Federal rules prohibit spouses, parents of minor children, and other legally responsible relatives from receiving such payments, but otherwise it is up to each state to decide which relatives it will pay and under what conditions 42 C.
Medicaid provides health care to very poor elderly and disabled people and families with children. States may offer Medicaid-funded PCA services by amending their regular Medicaid state plan to include them or asking the federal Center for Medicare and Medicaid Services CMS to waive some of the usual Medicaid rules and allow somewhat higher income limits or limit numbers of participants.
Some states have several different waivers for different groups, such as the elderly, physically disabled, and mentally retarded. These are basically consumer directed programs that give consumers a set amount of money for PCA and other services such as home or vehicle modifications and equipment that promote independent living.
Programs in all three states allow family members to be paid as PCAs, but only New Jersey allows spouses. State-funded Programs. Twenty-one states responded that they also have solely state-funded programs that allow payments to some family members. Twelve states Colorado, Kentucky, Maine, Minnesota, New Hampshire, New Jersey, North Dakota, Oregon, Texas, Utah, Vermont, and Wisconsin allow these state-funded programs to pay any relatives, including spouses, parents of minor children, and other legally responsible relatives.
Seven Connecticut, Illinois, Indiana, Kansas, Massachusetts, Nebraska, and Nevada prohibit payments to spouses, parents of minor children and people who are legally liable. Maryland ' s state-funded program prohibits payments to spouses, children, stepchildren, parents, grandparents, siblings, or in-laws, but allows payment to other relatives.
South Carolina prohibits immediate family members but allows aunts, uncles, and cousins. Connecticut ' s new state-funded pilot for the elderly, like its Medicaid waiver for disabled adults under age 65, prohibits such payments to spouses, conservators, and the conservators ' relatives, but not to other relatives Conn.
Agencies Reg. But the state will apparently not pay relatives who have been previously providing services at no charge. The payment method varies among states and sometimes among programs within a state. When the family member caregiver is employed by an agency, the agency pays the caregiver.
Sometimes the state issues the check directly to the consumer who has chosen the consumer-directed option and the consumer, who is considered the employer, pays the employee. Connecticut also uses an intermediary acting for the consumer. Some states use different methods for different programs or let the clients choose which method they prefer. For states that allow family members to be employed through home care agencies, the family members must usually meet the same training requirements as other agency employees.
Federal law does not require training for PCAs or family members acting as PCAs in the consumer-directed portions of these programs. In most states, the consumer is responsible for whatever training he considers necessary, as is also the case in Connecticut.
In Arizona, the PCAs receive two weeks of training, including CPR training, sponsored by the state ' s Medicaid managed care health plans, which also act as fiscal intermediaries. Texas requires only a couple of hours of orientation. In New York, people who perform household tasks are excluded from training. In Washington, PCAs must receive 22 hours of basic training, called Fundamentals of Caregiving, and 10 hours of continuing education every year.
The training is provided through a contract with area agencies on aging. The client provides any additional specific training. The state has produced an orientation workbook and video, as required by recent legislation WAC If that is not possible, the potential attendant is screened by an organization concerned with care quality issues, such as an independent living center or the South Carolina Spinal Cord Injury Association.
Utah requires relatives and other PCAs to take first aid training. Most states do not require specific training for PCAs, but instead require the client who chooses the consumer-directed PCA option or his representative to undergo training on how to be the employer, how to train the PCA employee, and how to handle the paperwork. Some states, as an alternative to training, require the client to pass a competency test designed to test his knowledge in these areas.
Table 1 below shows the results of our updated informal e-mail and telephone survey. We asked 1 if the states had any programs that allowed family members to be paid to care for their elderly or disabled relatives at home, 2 if certain family members, such as spouses and parents of minor children, were excluded, 3 how the program pays the family members the payment mechanism , and 4 if training is required for family members.
Because the Medicaid and Medicaid waiver programs sometimes have different rules than state-funded programs, we have separated these out in the table for states that also had state-funded programs. We use the term Medicaid in the table to mean either regular Medicaid, Medicaid waiver programs, or both, although most states use Medicaid waiver programs to offer personal care services. Where states have different rules for elderly and disabled people, or where they only have programs for one of these categories, we have indicated that in the table also.
Payment to Family Members Allowed. How They Are Paid. Training Required. Spouses and legally liable relatives. Can be agency-based or consumer-directed; intermediary. Spouses and parents of minor children. Medicaid managed care health plans act as fiscal intermediary.
Medicaid managed care health plans provide two weeks training, including CPR. Medicaid: Y cash and counseling demonstration. For consumer directed: Intermediary. If employed by agency, agency pays. Consumer —directed: No. If employed through agency, must undergo personal care aide training. Medicaid: Spouses unless they are qualified and employed by home health agencies or participating in the new Medicaid waiver Consumer Directed Attendant Support Program.
Medicaid: must be employed by and paid through agency or, if part of consumer directed program, through intermediary. State-funded: State pays client. Client pays caregiver. Minimal training if employed by agency, no if consumer-directed. Medicaid PCA waiver for disabled: Y. State-funded PCA pilot for elderly: Y. Medicaid waiver and state-funded: Spouses, conservators, conservator ' s relatives. Medicaid: Y cash and counseling demonstration program in 19 counties. Medicaid: Spouses and parents of a minor child.
Client can choose to do it himself or use intermediary. Considering state-funded program. Spouses and parents of a minor child. Medicaid: Spouses and parents of minor children. Spouses or legally liable relative, minor children, or foster parents or stepparents of minors.
Spouses can be paid in very limited circumstances for elderly. State pays caregiver in disabled consumer-directed option. For elderly, must be employed by agency; no consumer-directed option for elderly. No for disabled consumer-directed option. Yes for elderly, same as other agency employees. Medicaid waiver: Y. State-funded: Y. The attached agenda has links to all of the presentation overheads. It is intended to provide policymakers, program funders, advocates, and program participants with insights into the challenges faced and subsequent outcomes when developing and sustaining meaningful participant engagement practices.
This issue brief aims to provide concrete recommendations based on the research conducted. In each issue, we examine a topic related to home and community-based care by providing an overview of recent papers and publications.
Models of self-directed personal assistance services have been researched, reviewed and evaluated by many sources. Review the many resources available.
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