Family obligations are causing many people to quit their jobs in order to take care of a loved one. Because of this an increasingly important question people are asking is “can I get paid to care for a family member as a family caregiver”?
People that quit their jobs and pay out of their own pocket to take care of a loved one are saving government agencies and insurance companies billions of dollars! We know you work so hard to take care of your loved ones but the sad thing is there aren’t very many programs that pay family caregivers.
Let us point you in the right direction:
1. Company Caregiver Programs.
Before quitting your job see if they are caregiver friendly! Some companies may allow you to work part-time or are flexible with your schedule depending on needs. If not be aware that under the Family and Medical Leave Act you are entitled to 12 weeks of unpaid leave per year. Speak with the HR department where you work before making a decision.
2. Department of Aging Services.
Every state should have one of these departments with programs to provide assistance. Some of these programs will even provide financial support through stipends and reimbursing medical supplies. Find your local department and see what they have to offer!
3. Special Condition Organizations.
Private organizations like the American Cancer Society or Alzheimer’s Association sometimes provide caregivers support. Each organization is different with its own set of requirements for aid, but it’s worth looking into!
4. Guardians of Disabled Children.
If you are caring for a disabled child that is not biologically yours you may qualify to become a subsidized guardian. The neat thing about this program is it provides financial support to you as a caregiver and keeps the disabled child out of the foster care system. Contact a social worker for more information.
5. Long-Term Care Insurance for In-Home Assistance.
Shop around for long-term care insurance, some of them will pay for what they deem as “in-home assistance needs”. However, be aware that these policies are rare and usually exclude paying anyone living in the household. So if you are contemplating moving into your loved one’s home you may want to get in touch with a local insurance agent first to see what your options are.
6. Government Agency Support.
Medicare will not pay for any in-home care or adult type services so your best bet will be Medicaid. The amount of support to caregivers by Medicaid depends on what state you live in. Contact a local Medicaid office to find out what options you have. If the office you are contacting does not respond try the National Resource Center for Participant-Directed Services.
7. Local Counseling Programs.
Again these programs depend on what state you live in, we have compiled a small list for you:
Texas has two programs: Community Based Alternatives (CAB), and Department of Disability and Aging Services (DADS).
California: In-Home Support Services.
Idaho: Certified Family Home Services (CFHS).
New York: Consumer Directed Personal Assistance Program (CDPAP).
Don’t live in any of those states? Contact Caregiver Homes to see if you qualify for support.
8. Veteran Benefit Services.
Besides the many wonderful services the U.S. Department of Veteran Affairs provides did you know they have specific programs to support family caregivers? They provide support for in and out of home needs, click the link to go directly to their website: http://www.caregiver.va.gov/support/support_services.asp
9. Aid Pensions.
Both veterans and their spouse are qualified for additional pension money if they require in-home health aids or other professional health assistance because of a disability. http://www.caregiver.va.gov/support/support_services.asp
10. 9/11 Veteran Support.
If you are caring for a veteran that served post 9/11 you may be qualified to receive one or more of these: monthly stipend, health insurance, counseling, and special care. Also, you can add up to two additional secondary family caregivers besides the primary caregiver that can also receive support!
11. Cash Assistance and Food Subsidies.
If none of the above suggestions worked for you then contact the Department of Welfare for your state. You might not get the same amount of aid as the other programs but you may receive food subsidies or some cash assistance.
12. Caregiver Tax Deductions.
Providing for a loved one can be difficult, especially if you are doing it full-time without a pay check. In order to claim your loved one as a dependent on your taxes you must be paying for more than half of their basic living expenses every month. If you don’t qualify for that then see if you can deduct their medical expenses from your taxes. We recommend speaking with an accountant first to see what your options are.
Retrieved from: http://www.thecaregiverspace.org/paid-family-caregiver/