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Securing the right long-term care for a loved one shouldn’t mean drowning in paperwork or facing the state alone.
Whether you are an aging senior transitioning to MLTSS or a family caring for a disabled adult who qualifies for self-directed care, the path to getting support is often overwhelming.
Many families don’t realize that programs like New Jersey’s Personal Care Assistant (PCA) and Personal Preference Program (PPP) actually empower you to choose your own helper—even allowing Medicaid to pay a family member directly for the care they provide.
However, a single mistake on an application or a misstep during a clinical nurse assessment can result in devastating delays or fewer approved hours than your family rightfully needs.
We specialize in streamlining the entire application process and preparing you thoroughly for critical state assessments, ensuring your loved ones maximize their authorized care budget while protecting their hard-earned assets
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Medicaid In-Home Care Include, But Are Not Limited To:
In-home health care
Cleaning and laundry
Meal preparation or delivery
Transportation to and from medical appointments
Personal care Assistant
Personal preference Program (PPP)
Durable medical equipment
Adult daycare services
Factors That Determine MLTSS Eligibility For Community Medicaid:
You must pass a medical evaluation, income evaluation, and financial evaluation.
Medical Eligibility
A state nurse representative will usually conduct a medical exam to determine if the applicant needs nursing home level care. An applicant seeking Medicaid home healthcare must demonstrate the need for long-term care services like those in a nursing home. An individual who can no longer complete daily tasks or maintain their care is considered to need Medicaid at home.
Financial Eligibility- Assets
For financial eligibility, the requirements vary significantly by state; to qualify for Community Medicaid in any state, most individuals will need to have few assets and low income. An individual applying for Medicaid at home can have $2,000 in assets in NJ, while in New York, the applicant can have up to $15,900 in total assets, plus an irrevocable burial fund.
Financial Eligibility- Income
For the Medicaid in home care program, an applicant's income cannot exceed certain thresholds dependent on the state guidelines. In states like New Jersey, a qualified income trust can be set up for the applicant's income spend-down if the gross income exceeds $2,349. In New York, the applicant's excess income that exceeds $884 can be put in a pooled trust to qualify for Medicaid.
Need Help With Medicaid Home Healthcare?
Navigating the complex maze of Community Medicaid requires in-depth knowledge of the long-term services and support available right in the home. Whether you are seeking assistance for an aging senior or looking to secure vital home-care benefits for a disabled adult, Callahan Financial Services Group is here to help you successfully apply and unlock essential programs like MLTSS, Personal Care Assistant (PCA) services, and the self-directed Personal Preference Program (PPP)—which can even allow Medicaid to pay a family member directly for care. Our elite team of Medicaid Specialists, Medicare Advisors, and Insurance and Financial Advisors bring over two decades of expertise to your side, guiding your family through the rigorous financial eligibility rules and clinical nurse assessments to protect your assets, avoid costly delays, and ensure your loved one receives the maximum authorized care budget they rightfully deserve.
We do not share your information. Please click here for our detailed private policy. Our office is located at 181 New Road, Parsippany, NJ