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

If you're an adult child taking care of an elderly parent, relative, or friend in Kentucky, you may be able to get paid for your work.
June 25, 2024
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Caring for a family member in Kentucky can be both rewarding and challenging. Fortunately, Kentucky offers several programs and resources that provide financial support and assistance for family caregivers. This guide outlines your options and offers actionable steps to help you navigate the process.

State Programs for Family Caregivers

Kentucky Medicaid HCBS Waivers

Kentucky offers Medicaid Home and Community-Based Services (HCBS) waivers to help individuals receive care at home or in the community rather than in institutional settings. Family caregivers may be compensated through programs like the Home and Community-Based Waiver and the Michelle P. Waiver.

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

Hart-Supported Living Program

This state-funded program helps individuals with disabilities live independently in their own homes. It provides funding for caregiving services, which can include paying family members for their care.

  • Eligibility: The care recipient must be a Kentucky resident with a disability and demonstrate the need for assistance to maintain independent living.  

Participant-Directed Services (PDS)

Part of Kentucky’s Medicaid waivers, the PDS program allows participants to self-direct their care and hire family members as paid caregivers.

  • Eligibility: The care recipient must be enrolled in Medicaid and meet the criteria for an HCBS waiver.  

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 living activities. These funds can be used to compensate family caregivers.

  • Eligibility: Veterans must have served at least 90 days of active duty, including one day during wartime, and meet financial and medical requirements.  

Veteran Directed Care (VDC)

This program allows veterans to hire family members as caregivers and gives them control over their care budgets.

  • Eligibility: Veterans must be enrolled in VA healthcare, require personal care services, and reside in an area offering VDC.  

Child and Dependent Care Tax Credit

This federal tax credit helps caregivers offset expenses for dependents, including older adults who cannot care for themselves.

  • Eligibility: The care recipient must live with the caregiver and be physically or mentally incapable of self-care.  

Medical and Dental Expense Deductions

Caregivers can deduct unreimbursed medical expenses exceeding 7.5% of their adjusted gross income. This includes costs for the care recipient.

  • Eligibility: Expenses such as medical care, home health services, and medical supplies qualify.  

Support Resources

Kentucky Aging and Disability Resource Center (ADRC)

The ADRC provides information and assistance to caregivers, including referrals to local programs, respite care, and support services.

  • Eligibility: Services are available to Kentucky residents aged 60 or older and adults with disabilities.  

Alzheimer’s Association Greater Kentucky and Southern Indiana Chapter

This organization provides resources, support groups, and education for caregivers of individuals with Alzheimer’s or other memory-related conditions.

  • Eligibility: Open to caregivers of individuals with Alzheimer’s or related disorders.  

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 the Kentucky ADRC at 1-877-925-0037 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 Medicaid eligibility.
  • Proof of Residency: A utility bill, lease agreement, or driver’s license to confirm Kentucky residency.
  • 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 programs that meet your loved one’s needs:

  • For Medicaid Waiver Programs: Contact your Medicaid caseworker or the ADRC for assistance.
  • For Hart-Supported Living Program: Reach out to your local DAIL office.
  • 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:

  • Kentucky Caregiver Support Groups: Contact the ADRC for information on support groups in your area.
  • Kentucky Alzheimer’s Support Network: Provides resources and support for caregivers of individuals with memory-related conditions.

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

Being a family caregiver in Kentucky is both rewarding and challenging. By leveraging the right programs, benefits, and support systems, you can manage caregiving responsibilities while improving your loved one’s quality of life. Take advantage of Kentucky’s Medicaid waivers, caregiver programs, and local resources, and don’t hesitate to reach out for help when needed.

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