Home
Finance & Legal
Insurance

A Comprehensive Guide to Getting Paid as a Family Caregiver in Delaware: Exploring Medicaid and State Programs

If you're an adult child taking care of an elderly parent, relative, or friend in Delaware, you may be able to get paid for your work.
June 25, 2024
•
min read
Share this GUIDE
Key Points
Table of Contents

In Delaware, family members who dedicate their time and energy to caregiving may be eligible to receive financial assistance for their work. This guide explores various programs that provide financial support to family caregivers in the state.

State Programs for Family Caregivers

Delaware Medicaid Long-Term Care (LTSS)

Delaware’s Medicaid Long-Term Services and Supports (LTSS) program helps eligible individuals receive care at home rather than in a nursing facility. Learn more at Delaware Medicaid LTSS. Through this program, family caregivers can receive compensation for providing essential care services.

  • Eligibility: The care recipient must be Medicaid-eligible, require a nursing facility level of care, and meet income and asset limitations.  

Community First Choice (CFC)

Community First Choice (CFC) is a Medicaid-funded program that allows participants to hire caregivers, including family members. Learn more at Delaware CFC. This program supports individuals who require assistance with daily living activities while remaining in their homes.

  • Eligibility: The care recipient must be Medicaid-eligible, require significant help with activities such as bathing, dressing, or mobility, and have a care plan in place.  

Lifespan Respite Care Program

This program provides funding and support to help caregivers access respite services, allowing them to take breaks while ensuring their loved ones receive necessary care.

  • Eligibility: Caregivers of individuals with chronic conditions, disabilities, or other special needs, regardless of age, may qualify. Income and residency requirements may apply.  

Federal Support and Additional Resources

Veterans Aid and Attendance Benefit

This federal program provides additional funds to veterans and their spouses who need help with daily activities. These funds can be used to compensate family caregivers.

  • Eligibility: Veterans must have served at least 90 days of active duty, with one day during wartime. They must also require assistance with activities of daily living and meet income and asset limits.  

Veteran Directed Care (VDC)

This program enables veterans to hire and pay family members for caregiving services. It provides veterans with control over their care budget to ensure their needs are met at home.

  • Eligibility: Veterans must be enrolled in VA healthcare, require personal care services, and live in an area where VDC is offered.  

Child and Dependent Care Tax Credit

Caregivers who pay for dependent care while working or seeking employment may qualify for this tax credit. It helps offset caregiving expenses for dependents.

  • Eligibility: The care recipient must be a dependent under the age of 13 or physically or mentally incapable of self-care. The caregiver must have earned income.  

Medical and Dental Expense Deductions

Caregivers can deduct unreimbursed medical expenses that exceed 7.5% of their adjusted gross income. This deduction applies to expenses for the caregiver, their spouse, and their dependents.

  • Eligibility: Qualifying expenses include payments for diagnosis, treatment, and in-home care services.  

Delaware Paid Family Leave (Starting 2026)

Delaware’s Paid Family Leave program will soon provide income replacement for caregivers. Eligible workers can receive a portion of their wages while caring for family members.

  • Eligibility: Employed individuals in Delaware who meet specific earnings requirements. The program will cover caregiving for family members with serious health conditions.  

Support Resources

Delaware Aging and Disability Resource Center (ADRC)

The ADRC offers information and assistance to caregivers and older adults, including respite care, support groups, and other local resources.

  • Eligibility: Services are available to Delaware residents aged 60 or older and adults with disabilities. Some programs may have additional criteria.  

Steps to Take

Assess Eligibility: Begin by reviewing the eligibility criteria for each program. Carefully consider factors such as income, level of care required, and your loved one’s specific needs. Contact your local Area Agency on Aging (AAA) or Delaware’s Aging and Disability Resource Center (ADRC) at 1-800-223-9074 for guidance on determining eligibility.

Gather Documentation: Each program has its own specific requirements, but here are some common documents you may need to prepare:

  • Medical Records: Proof of your loved one’s diagnosis and care needs, such as medical history or a statement from their physician.
  • Income and Asset Information: Documents such as recent tax returns, bank statements, Social Security award letters, or proof of public assistance to verify financial eligibility.
  • Proof of Residency: A utility bill, lease agreement, or driver’s license to confirm that the care recipient resides in Delaware.
  • Legal Documents: Power of attorney, guardianship papers, or other legal documents that establish your role as a caregiver.
  • Insurance Information: Copies of Medicaid, Medicare, or private insurance cards and any related policy details.

Apply for Programs: Reach out to the appropriate state or federal agencies to apply for the programs that meet your loved one’s needs:

  • For Medicaid LTSS Programs: Contact your local Medicaid caseworker or the ADRC for assistance with applications.
  • For Community First Choice (CFC): Call 1-866-940-8963 or visit Delaware CFC.
  • For Veterans Programs: Contact your nearest Veterans Affairs office or call 1-800-827-1000 for assistance.

Seek Support: Join caregiver networks and connect with local organizations for guidance and emotional support. Specific options include:

  • Delaware Lifespan Respite Network: Provides respite care and additional resources for caregivers. Visit Delaware Lifespan Respite or call 1-800-677-1116 for more information.
  • Delaware Alzheimer’s Association: Offers education and resources for caregivers of individuals with memory-related disorders. Call 1-800-272-3900 or visit Delaware Alzheimer’s Association.

Follow Up: After submitting applications, follow up regularly with program administrators or caseworkers. Keep a record of submission dates, application numbers, and contact names for reference.

Conclusion

Delaware offers several programs to support family caregivers through financial assistance and resources. These programs recognize the essential role caregivers play and aim to provide necessary support and compensation.

For further assistance and to explore more resources, consult with your Medicaid case manager or contact one of the relevant offices listed above.

What To Do Next
The Bottom Line
About The Author