Structured Family Caregiving (SFC) is a Medicaid-funded program that pays adult children, spouses, and siblings to provide daily care — keeping loved ones out of nursing homes and inside the family. Available in 16 states.
Structured Family Caregiving (SFC) is a home care model authorized under Section 1915(c) of the Social Security Act — the federal law that allows states to use Medicaid dollars for home and community-based services instead of nursing facilities.
States reimburse a licensed SFC provider agency (like Paid.care) at a daily or weekly rate. The agency employs the family caregiver and pays them weekly wages. The care recipient stays home. The family earns income. Everyone wins.
SFC is sometimes called: family caregiver stipend, paid family caregiver, HCBS family caregiver program, or by state-specific names like Illinois CCP, Indiana SFC, or New York CDPAP.
Enroll Free at Paid.care →Adult children, spouses (in most states), siblings, grandchildren 18+, and close family friends who live in the home.
Elderly adults (60+) or adults with qualifying disabilities who have active Medicaid and need help with activities of daily living (ADLs).
Unlike many Medicaid programs, SFC and its state equivalents typically have no waitlist. Enrollment begins as soon as eligibility is confirmed.
Paid.care is a licensed SFC provider in 16 states. Enrollment, paperwork, training, and first paycheck — all at zero cost to your family.
Get Started →Pay rates are set by each state's Medicaid waiver. Here are the top states — click any to see full details.
Paid.care is a licensed Structured Family Caregiving provider in 16 states. Free enrollment, free training, first paycheck in 30–60 days.
Every state Medicaid SFC program has different pay rates, eligibility rules, and waiver names. Find your state below and enroll free through Paid.care.
From first call to first paycheck — most families complete enrollment in 30–60 days. Paid.care handles everything for free.
The care recipient must have active Medicaid with non-exempt assets under your state's limit. If they don't have Medicaid yet, Paid.care can guide you through the application process.
📞 Call Paid.care at (812) 247-6017 — we'll check eligibility for free in minutes.
Call Paid.care directly — we're a licensed SFC provider in 16 states. Or call your state's Medicaid helpline to be connected with your local care coordination unit (CCU in Illinois, Area Agency on Aging in Indiana, etc.).
A care coordinator does a brief phone interview (15–30 min) to confirm basic eligibility — Medicaid status, age, functional limitations. If pre-screening is passed, an in-home assessment is scheduled.
A state case manager or care coordinator visits your loved one's home and evaluates their care needs using a standardized functional assessment tool. The score determines weekly authorized care hours — more needs = more hours.
Tip: Be honest and thorough. Don't minimize any limitations. Every difficulty counts toward authorized hours.
Once approved, you complete a background check, orientation training (4–6 hours, free through Paid.care), and employment paperwork (W-4, I-9, direct deposit). Paid.care handles all of this.
On your first authorized service day, begin logging care hours via Paid.care's time-tracking system. Pay is processed biweekly via direct deposit. You receive a W-2 or 1099 at year-end depending on your state.
🎉 Most families receive their first paycheck within 30–60 days of first contact.
Medicaid does not pay caregivers directly. Here's how the funding moves from the state to your paycheck.
Two people must qualify: the person receiving care AND the family caregiver. Here's what each needs.
Call Paid.care at (812) 247-6017 — our coordinators will check your eligibility for free in minutes, across all 16 states we serve. No paperwork needed for the initial call.
In-depth guides on Medicaid Structured Family Caregiving — eligibility, pay rates, enrollment, taxes, and more.
Indiana Pathways Waiver SFC pays $432/wk (Level 1), $560/wk (Level 2), $750/wk (Level 3). ATTC up to $800/wk. Full breakdown including eligibility and enrollment steps.
Illinois CCP pays family caregivers up to $20/hr with no hours cap and no earnings maximum. No waitlist. Spouses now eligible April 2026. Full CCP guide.
Adult children, spouses, siblings, grandchildren 18+. Full eligibility breakdown for both the care recipient and the family caregiver across all 16 SFC states.
IRS Notice 2014-7 may allow Medicaid waiver caregivers who live with their care recipient to exclude SFC income from federal gross income. What you need to know.
Spousal caregiver eligibility varies by state. Illinois CCP now allows spouses (April 2026). Indiana, NY CDPAP, CA IHSS, and WA all permit spousal caregiving. Full state breakdown.
CDPAP lets care recipients hire almost any family member, including spouses, as their paid personal assistant. Pay rates $18–$22/hr. How to enroll via FI.
Indiana Level 3 SFC requires a higher level of care need assessment. Here's how the IHCP determines levels, what clinical criteria apply, and how to prepare.
Georgia pays family caregivers $1,200–$1,800/month through NOW and COMP waivers for adults with developmental disabilities. Full eligibility and enrollment guide.
From eligibility check to first paycheck in 30–60 days. The complete enrollment roadmap: pre-screening, functional assessment, caregiver paperwork, and authorization.
Paid.care will match you with your state's SFC program, handle all paperwork, and get you your first paycheck — at zero cost.
A coordinator will call within 1 business day to confirm eligibility and walk you through next steps.