Being a caregiver for a relative can be stressful in several ways, even when the person is dedicated to this family member. One problem that sometimes occurs is a financial struggle. Work hours might need to be reduced to provide adequate care for the disabled individual. It’s important to learn about the possibility of getting paid for taking care of family members. The extra income can relieve the financial stress.
The options available vary by state. Anyone who is interested should start by narrowing down the options to their home state. In many programs, the disabled family member must be eligible for Medicaid. These insurance-based programs offer options for caregiver payment. Medicare, unfortunately, does not. Medicaid is intended for low-income U.S. residents who cannot afford other types of health insurance.
Examples of Qualifying Health Problems
Most family caregivers are assisting someone who has Alzheimer’s disease or another type of dementia. These men and women sometimes can continue living at home instead of moving to a skilled nursing facility, but they may need continuous supervision. Individuals with other conditions may not need this level of attention, but they still are disabled enough to have trouble living independently. Examples include advanced multiple sclerosis, rheumatoid arthritis and lupus.
If a Medicaid-based solution is not an option, the state may have other possibilities. In some cases, money is available for people with specific problems, such as traumatic brain injury. Veterans may be eligible to receive money for paid family caregiving. Whether the plan is paid by Medicaid, a veterans’ organization or another state fund, the money is sent to the disabled individual. It is earmarked for paying the relative providing home care.
When searching for further information about the Medicaid program, it’s important to avoid scams. Primarily, the family should never be asked to pay for information or registration. In addition, applicants must understand that this money may not entirely replace wage-based income. The top number of hours generally paid is 40 per week. The average pay is between $10 and $13 per hour, although that also varies by state and the specific program.