Caring for a loved one is a big responsibility. You may be helping with meals, doctor visits, medication, and more. But did you know that family caregivers in Maryland may qualify for certain types of compensation or benefits?
Medicaid programs that pay family caregivers
Maryland’s Medicaid program offers a way for family caregivers to get paid. Through the Community First Choice (CFC) program, eligible individuals can receive long-term care services in their homes. They can choose a family member as their paid caregiver. To qualify, the person needing care must meet medical and financial eligibility requirements. The caregiver must complete some training and meet employment standards.
Veterans programs and caregiver support
If your loved one is a veteran, there may be extra help available. The U.S. Department of Veterans Affairs (VA) offers caregiver support through programs like the Program of Comprehensive Assistance for Family Caregivers (PCAFC). This program can provide monthly payments, training, and even respite care. The veteran must meet certain service and medical conditions, and the caregiver must complete required applications and training.
Tax credits and other financial support
Maryland does not currently offer a state-level tax credit for caregivers, but you may still benefit from federal tax deductions. If you provide more than half of your loved one’s support, you might claim them as a dependent. You could also deduct medical expenses that exceed a certain percentage of your income. These tax breaks won’t provide cash right away, but they can reduce your overall financial burden.
Getting paid as a caregiver takes planning. Medicaid and VA benefits involve paperwork and waiting periods. You’ll need to document your care, track expenses, and meet eligibility rules. Some families also create personal care agreements. These written contracts explain the caregiver’s duties and payment terms, which can help avoid misunderstandings later.