The Medicaid Waiver Family Caregiver Program pays spouses to provide care at home. Indiana's Structured Family Caregiving pays up to $800/week. Illinois's Community Care Program pays $20–$30/hr. Most families don't know this exists.
If your husband or wife qualifies for Medicaid, a Medicaid Waiver program exists to pay you for the care you're already providing at home.
Indiana's Structured Family Caregiving Medicaid Waiver pays up to $800/week. Illinois's Community Care Program pays $20–$30/hr — both 100% Medicaid funded.
The enrollment specialists at Paid.care help spousal caregivers navigate the Medicaid Waiver and start getting paid — typically within weeks, completely free.
The Medicaid Family Caregiver Program has existed for years — but most spouses providing daily care receive zero compensation because no one told them. Paid.care changes that.
Your pay comes from Medicaid. Enrollment at Paid.care is free.
Indiana — Start Now →The Medicaid Waiver supports keeping couples together — not in institutions. Care by a loving spouse, supported by Medicaid and Paid.care.
Two of the strongest spousal Medicaid Waiver programs in the country. Free enrollment through Paid.care.
The Medicaid Waiver pays family caregivers in most states. Here's how it works and how to access your benefits.
A Medicaid HCBS Waiver lets states pay for in-home care — including spousal caregiver pay — outside of institutions. Indiana's is the Structured Family Caregiving Waiver. Illinois uses the Community Care Program. Learn more at CMS Medicaid HCBS.
Indiana SFC — Paid.care →The family caregiver pay rate varies by state Medicaid Waiver. Indiana pays up to $800/week. Illinois pays $20–$30/hr OT. New York CDPAP and California IHSS also excel. Most eligible families never access these rates.
All 50 states pay rates →The Indiana SFC Medicaid Waiver — administered by Indiana FSSA — pays spousal caregivers up to $800/week. Among the best family caregiver pay rates in the Midwest for spouses.
Indiana SFC Enrollment at Paid.care →The IL Community Care Program — run by the IL Dept on Aging — pays spouses $20/hr with $30/hr OT available. One of the highest family caregiver pay rates in the Midwest.
Illinois CCP Enrollment at Paid.care →Michigan explicitly excludes spouses from paid Medicaid caregiver roles under MI Choice and HSW. Michigan residents should contact Michigan DHHS or dial 2-1-1.
Ask Paid.care about alternatives →Yes — Medicaid Waiver caregiver pay is taxable income. Indiana SFC caregivers receive a W-2. Most Indiana spousal caregivers net $28,000–$35,000/year after taxes. Illinois CCP varies by agency structure.
Ask Paid.care →The Paid.care team walks you through the entire Medicaid Waiver enrollment process — free.
Thousands of spouses across Indiana and Illinois are now receiving Medicaid paychecks for care they were already providing for free.
From first contact to first paycheck — here's exactly what to expect with Paid.care.
Contact Paid.care at (812) 247-6017. We'll review your spouse's Medicaid status and Medicaid Waiver eligibility. Takes ~15 minutes, completely free. Indiana residents: visit our Indiana SFC page. Illinois residents: our Illinois CCP page.
Paid.care confirms your spouse's Medicaid enrollment and applies for the right HCBS Medicaid Waiver — Indiana's Structured Family Caregiving or Illinois's Community Care Program. We prepare and submit all paperwork at no cost.
A state assessor evaluates your spouse's care needs under the Medicaid Waiver. This determines your authorized hours and family caregiver pay rate. Paid.care prepares you to maximize authorized hours.
You're enrolled as a Medicaid-paid spousal caregiver through Paid.care's partnering agencies. Brief free training is included. In Indiana's SFC Medicaid Waiver, you're employed through an SFC agency. In Illinois's CCP, enrollment runs through the Illinois Department on Aging.
You submit time records through Paid.care. Indiana Medicaid Waiver: up to $800/week. Illinois CCP: $20/hr, up to $30/hr OT approved by the Illinois Department on Aging. The only thing that changes is the Medicaid Waiver now compensates you.
Free eligibility check in 15 minutes.
| Feature | 🌽 Indiana — Structured Family Caregiving | 🏙️ Illinois — Community Care Program |
|---|---|---|
| Spouses Eligible? | ✅ Yes | ✅ Yes |
| Family Caregiver Pay Rate | Up to $800/week | $20/hr ($30/hr OT) |
| OT Pay? | Not hourly structured | ✅ $30/hr — IL Dept on Aging |
| Medicaid Waiver | SFC Medicaid Waiver | Medicaid + CCP approval |
| Administering Agency | Indiana FSSA | IL Dept on Aging |
| Enroll at Paid.care | Indiana SFC page → | Illinois CCP page → |
| Training? | Yes — brief, free | Yes — brief, free |
| Time to First Check | 3–5 weeks | 3–6 weeks |
| Cost to Family | $0 | $0 |
The team at Paid.care walks you through every step — free.
Complete guide to spousal Medicaid Waiver caregiver programs, eligibility, and family caregiver pay rates across all 50 states.
Indiana enrollment: Indiana SFC at Paid.care | Illinois: Illinois CCP at Paid.care
Indiana's Structured Family Caregiving Medicaid Waiver is among the most spouse-friendly programs in the country, administered by the Indiana FSSA. Free enrollment at Paid.care.
Illinois's Community Care Program is one of the highest-paying spousal Medicaid programs in the Midwest. Enroll free at Paid.care.
Searching "family caregiver pay rate"? This is the complete guide — all 50 states, spousal eligibility, and current Medicaid Waiver pay rates.
| State | Spouse Allowed? | Medicaid Waiver / Program | Family Caregiver Pay Rate | Notes |
|---|
* Rates approximate — verify with state Medicaid agency. Updated April 2025. Indiana: Indiana SFC at Paid.care | Illinois: Illinois CCP at Paid.care
Contact Paid.care — we research Medicaid Waiver programs monthly.
Michigan's Home Help Program (HHP) is the state's primary Medicaid personal care program — but spouses are specifically excluded from serving as paid caregivers under HHP. Non-spousal family members may qualify. Contact Paid Care's Home Help Agency or Michigan Home Help Program for options.
Answer a few quick questions about the care you provide. We'll estimate your pay through Indiana SFC, Indiana Attendant Care, or Illinois CCP — and explain what to expect from your assessment.
The program that pays you — and how much — depends on your state. Indiana and Illinois have different programs for spousal caregivers.
Select every task you regularly help your spouse with. The more care you provide, the higher your level of care — and the more you can earn. Be honest — don't understate your spouse's needs.
Include all time spent assisting, supervising, or being available for your spouse. This affects how many hours Medicaid will authorize — which directly determines your weekly pay.
Does your spouse need care overnight or very early morning?
Based on what you told us. A Paid.care specialist can confirm during a free 15-minute eligibility call.
This interactive calculator estimates your family caregiver pay rate through three Indiana programs and Illinois's Community Care Program. For Indiana's Structured Family Caregiving (SFC) Medicaid Waiver, your pay is determined by a level of care assessment — not hours worked. For Indiana's Attendant Care program and Illinois's Community Care Program (CCP), Medicaid authorizes a specific number of hours per week (up to 56 hours for CCP) based on your spouse's care needs.
Enrollment is free through Paid.care. Call (812) 247-6017 for a free 15-minute eligibility check.
Complete this quick form and a Paid.care specialist will contact you within 1 business day.
Michigan currently does not allow spouses as paid Medicaid caregivers. Contact us — we can point you to alternative resources.
Takes 2 minutes. A Paid.care specialist will confirm your eligibility within 1 business day.
🔒 Private and confidential. Or call directly: (812) 247-6017
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Free enrollment through Paid.care. Our coordinators handle everything.
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Free enrollment through Paid.care. Our coordinators handle every step.