If you’re already caring for someone you love, you might have more options than you realize.
In the next few minutes, this guide will help you:
See your 3 most realistic ways to potentially get paid
Understand which path fits your situation
Know exactly who to call first
Your 2‑Minute Snapshot Quiz
Check all that apply. Don’t overthink it; “close enough” is fine.
1) Medicaid pathway
Is your loved one currently on Medicaid, or likely to qualify?
☐ YES – They’re already on Medicaid
☐ MAYBE – Low income / limited assets
☐ NO – Higher income or significant savings
If you checked YES or MAYBE, Medicaid is likely one of your 3 main paths.
2) Veteran pathway
Is your loved one a military veteran (or surviving spouse)?
☐ YES – They served
☐ NO
If you checked YES, VA benefits are likely one of your 3 main paths.
3) Long‑term care insurance
Does your loved one have a private long‑term care insurance (LTC) policy?
☐ YES – Active policy
☐ MAYBE – Not sure, need to check
☐ NO
If you checked YES or MAYBE, LTC insurance is likely one of your 3 main paths.
4) Care needs
Has a doctor documented that your loved one needs help with daily activities like bathing, dressing, eating, transferring, or toileting?
☐ YES
☐ NOT YET
If you checked NOT YET, your first step may be getting medical documentation before applying to any program.
Your First 3 Calls (Next 30 Days)
Don’t try to solve everything at once. Just make these three calls.
Call #1: Medicaid office or local aging agency
Ask:
Does my loved one qualify for any home‑based care programs?
Are family members allowed to be paid caregivers in this state?
What documentation do we need to start?
Write down:
Program name
Caseworker name & contact
Application steps
Timeline
Call #2: VA benefits office (if veteran)
Ask:
Are they eligible for Aid & Attendance or other caregiver help?
What income and asset limits apply?
What paperwork is required?
Write down:
Required forms
Supporting documents needed
Estimated processing time
Call #3: Insurance company (if LTC policy exists)
Ask:
Does this policy cover in‑home care?
Can a family member be paid?
What triggers benefits?
Write down:
Daily benefit amount
Elimination period (waiting period)
Required documentation
This guide is educational only. Programs vary by state and situation. Approval is not guaranteed. But many caregivers never explore options simply because they don’t know where to start.
Now you do.
If You Want the Full Roadmap…
This guide gives you:
✔ Your likely paths
✔ The first 3 calls
✔ A starting point
For a lot of caregivers, that’s already more than they’ve ever had. But if you want more than a starting point, if you want a clear money plan and support while you work it, that’s what lives inside The Caregiver Companion community.
As a Founding Member, you’ll get:
A complete money map of ways to earn and save as a caregiver
Pay programs (Medicaid, VA, LTC insurance, employer benefits)
Tax benefits and credits caregivers often miss
Cost‑saving plays on insurance, meds, equipment, respite, and more
A detailed 30‑day step‑by‑step checklist (not just 3 calls) so you always know what to do next
Full phone & email scripts for each path so you’re never guessing what to say
A private community of family caregivers who get it
Right now, early readers of this guide can join as Founding Members for a one‑time $9 and get lifetime access to the community and Toolkit. After the first 1,000 members, new people will pay $9/month for the same access. This is the thank‑you price for being early.
You don’t have to navigate this alone. This guide gave you your first 3 calls. Inside the community, you’ll have a full plan and people in your corner while you make them.