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Learn how Minnesota family members may be able to receive payment for caring for an aging parent through self-directed care and how PICS helps families manage the process. For many Minnesota families, caring for an aging parent begins gradually.
Maybe you start by picking up groceries once a week. Then you begin driving Mom to medical appointments, organizing medications or helping with laundry. Before long, you may be preparing meals, helping with personal care, checking in every day and rearranging your own work schedule around your parent's needs.
At some point, many families ask an important question:
Can a family member actually get paid for providing this care?
In Minnesota, the answer may be yes.
Depending on your loved one's needs, financial eligibility and the program they qualify for, certain self-directed care programs can allow family members or other trusted individuals to be paid for providing approved caregiving services.
For families trying to help an older adult remain safely at home, understanding these options can make a significant difference.
Traditional home care usually involves an agency hiring caregivers and determining who will provide services.
Self-directed care works differently.
It gives the person receiving services — or an authorized representative — greater control over how care is provided. Depending on the program, participants may be able to select their caregivers, help determine schedules and decide how approved funds are used to meet their individual needs.
That caregiver might be someone the older adult already knows and trusts.
In some situations, it can be an adult child, grandchild, spouse, other relative, friend or neighbor.
For an older adult who wants to remain in familiar surroundings, receiving help from someone they already know can provide both practical assistance and peace of mind.
Minnesota offers several programs designed to help eligible older adults and people with disabilities receive services in their homes and communities rather than moving into institutional care.
One important option is Consumer Directed Community Supports (CDCS).
CDCS is available through certain Minnesota Home and Community-Based Services waiver programs. It allows participants to develop an individualized plan for using an approved budget to support their independence at home and in the community.
For adults age 65 and older, CDCS may be available through programs such as Minnesota's Elderly Waiver (EW) and Alternative Care (AC) programs.
Both EW and AC are designed for adults 65 and older who meet a nursing-home level of care but want to continue living in their homes and communities.
Depending upon the individual's approved plan, services may include caregiving, homemaking, meals, respite, transportation, personal emergency response systems, chore services, certain home modifications and other supports.
Most importantly for many families, CDCS may allow approved funds to be used to pay certain family members or other trusted individuals for caregiving.
Potentially, yes.
Under CDCS, approved caregivers can include adult children and grandchildren who provide care for an aging family member. Other trusted people, including friends and neighbors, may also be eligible to become paid caregivers.
Spouses may also be able to provide paid caregiving under applicable self-directed programs, although specific rules depend on the program and circumstances.
Another Minnesota program families may encounter is Community First Services and Supports (CFSS).
CFSS is Minnesota's newer home-care program that is replacing Personal Care Assistance (PCA) and Consumer Support Grant (CSG) services as participants transition through their annual assessments.
CFSS provides additional self-directed options, and under certain circumstances spouses can provide paid caregiving services.
Because every person's eligibility and service plan are different, families should not assume that caregiving will automatically qualify for payment. An assessment and approved service plan are required.
Family caregivers often provide an enormous amount of unpaid assistance.
A daughter may reduce her hours at work so she can help her father several afternoons each week. A son may drive across town every morning to prepare breakfast and make sure medications are taken. A spouse may spend much of the day helping with dressing, bathing, meals and mobility.
Families frequently do these things because they love the person they're caring for.
But caregiving also has a financial impact.
Work hours may be reduced. Careers can be interrupted. Transportation costs increase. Caregivers may find themselves balancing their own children, household responsibilities and finances while also caring for an aging parent.
When an eligible program allows a family member to become a paid caregiver, it recognizes that caregiving is real work.
It can also make it more realistic for a family to continue supporting a loved one at home.
This is where PICS — Partners in Community Supports can help.
PICS is a Minnesota nonprofit organization and a subsidiary of Lutheran Social Service of Minnesota. It has provided self-directed care support to Minnesota individuals and families since 1999.
PICS serves as a Financial Management Service (FMS) provider.
That sounds complicated, but the idea is fairly simple.
When a family chooses a self-directed program, someone still needs to handle the administrative and financial responsibilities associated with employing caregivers and using government-approved funds.
PICS helps participants with responsibilities such as:
Instead of families trying to figure out payroll, taxes, reporting requirements and reimbursement procedures themselves, PICS helps manage those details.
That allows families to spend more time focused on what matters most — supporting the person they love.
For many older adults, remaining at home isn't simply about staying in a particular house.
It's about maintaining independence, routine, dignity and connection to their community.
Being able to choose who comes into the home can be especially important.
Some seniors may be uncomfortable having an unfamiliar caregiver assist with personal tasks. Others may have language, cultural or communication preferences. And some simply feel safer receiving help from someone they've known for years.
Self-directed services can give eligible individuals more control over these decisions.
Instead of fitting the person into a predetermined care arrangement, the goal is to build supports around the person's individual needs.
The first step is determining whether the person needing care qualifies for an applicable Minnesota program.
For older adults, this may involve eligibility for Minnesota Medical Assistance and the Elderly Waiver or determining whether the individual qualifies for the Alternative Care program.
An assessment is generally required to determine the person's needs and eligibility.
Families can begin by contacting their county or Minnesota's Senior LinkAge Line to learn about available programs and the assessment process.
If a self-directed program such as CDCS or CFSS is appropriate, the participant will work with the necessary care professionals to develop an approved service plan and select service providers.
PICS can then help families navigate the financial-management side of self-directed services.
One of the biggest mistakes families can make is assuming these programs aren't available to them.
If you're already spending significant time caring for a parent, spouse or other loved one, it is worth asking what Minnesota programs may be available.
You may discover options that help your loved one remain at home while providing additional support for the people who are already helping them.
Every situation is different, and eligibility is never automatic. But asking the question is an important first step.
Can I get paid to take care of my elderly parent in Minnesota?
Possibly. Certain Minnesota self-directed programs may allow eligible family members, including adult children, to be paid for approved caregiving services. The person receiving care must qualify for the applicable program, and the services must be part of an approved plan.
Can a senior choose his or her own caregiver?
Self-directed programs are designed to give participants greater choice and control over their services. Depending on the program, participants may be able to select family members, friends or other trusted individuals as caregivers.
Does PICS determine whether my parent qualifies for Medicaid or an Elderly Waiver?
No. Program eligibility is determined through Minnesota's applicable state, county and assessment processes. PICS serves as a Financial Management Service provider for people participating in eligible self-directed programs.
What does PICS do once a family is enrolled?
Depending upon the program, PICS can assist with caregiver hiring and staffing, payroll, reimbursements, accounting, reporting, taxes, training and budget management.
Where can families learn more?
Minnesota families interested in self-directed care can contact their county, Senior LinkAge Line or appropriate care coordinator to learn about eligibility and available programs. Families can also contact PICS to learn more about the self-directed programs and Financial Management Services they support.
Caring for an aging loved one can be rewarding, but it can also require an enormous commitment of time, energy and financial resources.
Minnesota families may have more options than they realize.
For eligible older adults, self-directed care can provide greater choice over who provides assistance and how approved services are delivered. For family caregivers, it may also create an opportunity to receive compensation for caregiving they are already providing.
PICS — Partners in Community Supports helps Minnesota families manage the financial and administrative details of self-directed care so they can focus on helping their loved ones live safely and independently at home.
Learn more about PICS and explore resources for Minnesota seniors and caregivers through Seniors Blue Book. For more information contact us at 888.874.7427 or visit our website at https://pics.lssmn.org/
1. How to Talk to Your Parent About Needing HelpStart early, choose a calm moment, lead with concern rather than criticism, ask open-ended questions, and involve your parent in every decision. Plan for several short conversations instead of one big talk.Before You Talk Get aligned with siblings or family so your parent hears one consistent message. Gather specifics: note what you have actually observed, such as missed bills, spoiled food, or a recent fall. Pick the right setting: a private, relaxed time, not during a crisis or a holiday gathering. How to Start the ConversationOpen with care and curiosity. Helpful starters include: "I've noticed the stairs seem harder lately. How are you feeling about them?" "If something happened, what would you want us to do?" "What would make life easier for you right now?" What Works Listen first. Let your parent describe their own worries and priorities. Use "I" statements. Say "I worry when you drive at night" rather than "You can't drive anymore." Offer choices. Options such as a few hours of home help or a medical alert device preserve a sense of control. Start small. Suggest a trial, such as a housekeeper twice a month. Bring in a trusted voice, such as a doctor, clergy member, or longtime friend. What to Avoid Ultimatums, guilt, or talking about them as if they were not in the room. Pushing for a major decision, such as moving, in the first conversation. Dismissing their fears about independence. 2. Signs Your Loved One Needs CareCommon signs include difficulty with daily activities, weight loss, unpaid bills, a messy or unsafe home, medication mistakes, frequent falls, memory changes, and social withdrawal. Several signs together suggest it is time for a professional assessment.Physical Signs Noticeable weight loss or poor appetite. Poor hygiene, wearing the same clothes, or body odor. Bruises, unexplained injuries, or repeated falls. Trouble walking, getting out of a chair, or using stairs. Cognitive and Emotional Signs Forgetting appointments, repeating questions, or getting lost in familiar places. Confusion with money, such as unpaid bills, unusual purchases, or scam victimization. Mood changes, anxiety, irritability, or signs of depression. Pulling away from friends, hobbies, or faith activities. Home and Daily Living Signs Spoiled food in the refrigerator or an empty pantry. Piles of mail, clutter, or a home that is not being kept up. Burned pots, unsafe stove use, or dents on the car. Missed, doubled, or mixed-up medications. Understanding the Level of NeedDoctors often look at activities of daily living (bathing, dressing, eating, toileting, and moving) and instrumental activities (cooking, driving, managing money, and medications). Difficulty with several of these points to a need for outside help. 3. How to Balance Caregiving with Your Own LifeBalance caregiving by setting clear limits, sharing tasks with family and paid help, using respite care, protecting your own health and time, and asking for support early rather than waiting until you are exhausted.Why Balance Is HardCaregivers often juggle jobs, children, and household duties while supporting a loved one. Without breaks, stress, poor sleep, and isolation can lead to caregiver burnout.Strategies That Help Define your role. Decide what you can do, what you can share, and what you will pay for or delegate. Hold a family meeting. Divide tasks by strengths and availability, including remote tasks like bill paying or scheduling. Create a shared calendar for appointments, medications, and visits. Use respite care. Even a few hours a week from a relative, volunteer, aide, or adult day program restores energy. Set boundaries at work. Talk with your employer about flexible hours, remote work, or leave options. Protect your health. Keep your own medical appointments, move your body, eat regularly, and sleep. Stay connected. Keep up friendships and activities that recharge you. Signs of Caregiver Burnout Constant exhaustion or frequent illness. Feeling hopeless, resentful, or overwhelmed. Withdrawing from others. Changes in appetite or sleep. If you notice these, speak with your doctor or a counselor. 4. Support Available for Family CaregiversFamily caregivers can access respite care, counseling, support groups, caregiver training, adult day programs, financial assistance, and workplace protections. Local Area Agencies on Aging are the best first stop in the United States.Types of Support Respite care: Short-term relief, at home or in a facility. Adult day programs: Supervised daytime care and activities. Support groups and counseling: In person, by phone, or online. Training: Courses on lifting, dementia care, and medication management. Home care and meals: Aides, home-delivered meals, and transportation. Financial and Legal Help Medicaid home and community-based programs, which in some states can pay for care at home, and in a few, family caregivers. VA Caregiver Support Program for those caring for veterans. Tax benefits, such as possible medical expense deductions or dependent credits; ask a tax professional. Elder law attorneys for powers of attorney, benefits planning, and long-term care planning. Workplace ProtectionsIn the U.S., the Family and Medical Leave Act (FMLA) may allow eligible employees up to 12 weeks of unpaid, job-protected leave a year to care for a family member with a serious health condition. Some states offer paid family leave, and some employers offer caregiver benefits.Programs vary by country and region. Outside the U.S., contact your local government aging or social services office. 5. How to Handle Resistance to Care?Resistance usually stems from fear of losing independence, not stubbornness. Respond with empathy, find the root concern, offer choices, introduce help gradually, and know when safety risks require stepping in.Why Older Adults Resist Help Fear of losing independence or control. Embarrassment or denial about declining abilities. Worry about cost or being a burden. Distrust of strangers in the home. Cognitive changes, including dementia, that reduce awareness of problems. Strategies That Work Ask why. Understand the specific fear before offering solutions. Reframe the help. Present it as support for staying independent: "This will help you stay in your home longer." Go slow. Start with a few hours of help or a friendly companion, and build up. Offer choices. Let your parent pick the caregiver, schedule, or tasks. Use a trusted messenger. Doctors often carry more weight than family. Pick your battles. Focus on safety and health priorities rather than minor preferences. Try a trial period. "Let's try it for a month and then decide together." When Dementia Is InvolvedArguing facts rarely helps. Stay calm, validate feelings, redirect gently, and keep routines consistent. Ask the doctor about evaluation and dementia care strategies.When to Step InA capable adult has the right to make their own choices, even risky ones. But if there is immediate danger, such as wandering, unsafe driving, neglect, or serious medical needs, contact their doctor. If your parent lacks decision-making capacity, an elder law attorney can explain options such as guardianship, and Adult Protective Services can respond to self-neglect or abuse concerns.Disclaimer: This content is for educational purposes and does not replace professional medical, legal, or financial advice. Consult qualified professionals about your family's situation.
Family caregivers provide most long-term care for older adults. These answers help caregivers protect their own health while caring for someone else.What is caregiver burnout?Caregiver burnout is a state of physical, emotional and mental exhaustion caused by prolonged caregiving stress. Signs include constant fatigue, irritability, withdrawal from friends, sleep problems, getting sick often, and feeling hopeless or resentful.How can I prevent caregiver burnout?Set realistic limits, accept help, keep your own medical appointments, and schedule regular breaks. Joining a caregiver support group and using respite care are two of the most effective strategies.What is respite care?Respite care is short-term relief for primary caregivers, provided at home, at an adult day center or in a residential facility for a few hours to several weeks. It gives caregivers time to rest, handle errands or recover.Can caregivers get paid?Sometimes. Some state Medicaid programs, VA programs and long-term care insurance policies allow family members to be paid caregivers. Eligibility depends on the program, so contact your Area Agency on Aging to learn what exists locally.Where can I find caregiver support near me?The Eldercare Locator (1-800-677-1116) connects caregivers to local Area Agencies on Aging. Many agencies offer counseling, training, respite funding and support groups through the National Family Caregiver Support Program.How do I talk to a parent who refuses help?Start with listening and focus on their goals, such as staying independent at home. Introduce help gradually, involve their doctor, and frame support as a way to keep their independence rather than lose it.Can I take time off work to care for a family member? The federal Family and Medical Leave Act allows eligible employees up to 12 weeks of unpaid, job-protected leave per year to care for a qualifying family member. Some states and employers offer paid family leave, so check both.
When Going Home Isnt the Next Step: A Guide for Monmouth & Ocean County FamiliesWhen an older loved one needs more support, families in Monmouth and Ocean Counties often find themselves navigating unfamiliar territory. A hospital discharge may lead to rehabilitation. A fall may reveal that living alone is no longer safe. Or a family caregiver may realize that managing medications, meals, personal care, and medical appointments has become too much to handle alone.The good news is that senior care isn't one-size-fits-all. Depending on a person's needs, there are options ranging from short-term rehabilitation to assisted living and long-term skilled nursing care.For families across the Jersey Shore, Complete Care provides a continuum of senior care services through multiple communities in Monmouth and Ocean Counties, including locations in Holmdel, Long Branch, Ocean Grove, Wall, Shrewsbury, Toms River, and Brick.Understanding the Right Level of CareOne of the most important steps in choosing senior care is understanding what type of support a loved one actually needs.Post-Acute RehabilitationAfter a hospitalization, surgery, stroke, illness, or injury, an older adult may not be ready to return home immediately. Post-acute rehabilitation provides a bridge between the hospital and home, helping individuals regain strength, mobility, and independence.Depending on the location and individual needs, Complete Care provides physical, occupational, and speech therapy along with nursing and clinical support.For families in Toms River, Brick, Wall, and surrounding communities, having rehabilitation options nearby can make it easier for family members to remain involved during recovery.Skilled NursingSome individuals need more than therapy. Skilled nursing may be appropriate for people who require ongoing medical monitoring, wound care, medication management, chronic disease management, or other specialized clinical services.Complete Care communities offer a variety of clinical programs, with services differing by location. These may include orthopedic and postsurgical care, cardiac care, wound care, neurological and stroke care, pulmonary care, and memory care.When comparing skilled nursing communities, families should ask specifically about the clinical services available at each location.Assisted LivingAssisted living can be a good option for older adults who need help with daily activities but still want to maintain as much independence as possible.Support may include assistance with bathing, dressing, medications, meals, and other everyday routines, along with opportunities for social engagement and activities.For families in Holmdel, Middletown, Red Bank, Freehold, and neighboring Monmouth County communities, assisted living can offer an alternative to managing increasing care needs at home.Long-Term CareFor some seniors, rehabilitation is only one step in a longer care journey. Chronic illness, cognitive impairment, disability, or increasing difficulty with daily activities may eventually require ongoing nursing support.Long-term care provides assistance around the clock while also addressing the social and emotional needs that contribute to quality of life.A Local Presence MattersFor families choosing senior care, location can be an important consideration.Being close to home makes it easier for spouses, children, grandchildren, and friends to visit regularly and remain involved in care. That's particularly meaningful in Monmouth and Ocean Counties, where families may live in neighboring communities but still want their loved one to remain close to their established support system.Complete Care has a broad local presence, with communities serving residents throughout the region. Its Monmouth County locations include communities in Holmdel, Long Branch, Ocean Grove, Wall Township, and Shrewsbury. Ocean County options include multiple communities in Toms River and Brick Township.Because services vary by location, families should contact the individual community to determine which level of care and specialized programs are available.What Should Families Look For?Whether you're looking for assisted living in Monmouth County, skilled nursing in Ocean County, or rehabilitation following a hospital stay, consider more than just the building.Ask: What level of care does my loved one need today? What happens if their needs change? What rehabilitation and therapy services are available? Does the community offer specialized clinical care? How involved can family members be in the care plan? What activities and social opportunities are available? How close is the community to family? And whenever possible, visit in person.Notice how staff interact with residents. Ask questions. Talk with the admissions and care teams. Pay attention to whether residents appear engaged and comfortable.These observations can help families understand what daily life may actually feel like for their loved one.Planning Before a CrisisMany families begin researching senior care only after a crisisa fall, hospitalization, diagnosis, or caregiver burnout.Planning ahead can provide more choices and less pressure.Even if your loved one isn't ready for assisted living or long-term care today, learning about senior care communities in Monmouth and Ocean Counties can help your family understand what resources are available if circumstances change.Having these conversations early also gives older adults an opportunity to participate in decisions about their own future.Complete Care in Monmouth & Ocean CountiesFor families looking for assisted living, post-acute rehabilitation, skilled nursing, or long-term care in Monmouth and Ocean Counties, Complete Care offers multiple local communities and a range of care services.The right choice will depend on your loved one's medical needs, level of independence, preferences, and family circumstances. Taking the time to understand those needsand exploring local options before a crisis occurscan make the process easier for everyone.Frequently Asked QuestionsWhat types of care does Complete Care provide?Complete Care offers assisted living, post-acute rehabilitation, skilled nursing, and long-term care. Specific services and clinical programs vary by location.Where does Complete Care serve Monmouth County?Complete Care has communities in areas including Holmdel, Long Branch, Ocean Grove, Wall Township, and Shrewsbury.Where does Complete Care serve Ocean County?Complete Care has multiple communities in Toms River and Brick Township, among other nearby locations.What is post-acute rehabilitation?Post-acute rehabilitation helps individuals recover after hospitalization, surgery, illness, or injury. Therapy and nursing services are designed to help patients regain function and return home safely when possible.If you're researching senior care options in Monmouth or Ocean County, NJ, visit Complete Care's Seniors Blue Book listing for more information about available services and local care options.
PICS (Partners in Community Supports)Home and Community-Based Service ProviderAt PICS (Partners in Community Supports), we understand that navigating home care services for your loved ones can be overwhelming. We take care of the details of home-based care supports and services so you can focus on what truly matters - caring for your loved one. Offering services statewide for more than 25 years, PICS is a proud Financial Management Service (FMS) and Individualized Home Supports (IHS) provider. Were here to support you and your family every step of the way.Self-directed services are a home health care option for individuals with disabilities and older adults funded by state and federal programs, such as Medicaid, Medical Assistance (MA) waivers, or the Alternative Care program. Choosing to self-direct offers you the flexibility to take control of your care, from hiring and managing caregivers (including family and friends) to identifying and buying the supports you need.Why choose PICS?Our customer service focus means that you spend more time caring for your loved one and less time worrying about the financial aspects of home health care. We will help you hire and train your workers, manage payroll, stay on budget, and make sure all of your financial reporting is correct.PICS offers:Human resource expertise and a seamless hiring process for new caregivers.Online portal available 24/7 for easy timecard submission, real time financial reporting and spending summary reports.Payroll support to issue direct support staff paychecks and answer payroll related questions.Expense reimbursement for your purchases.Services in all languages.PICS services:Consumer Directed Community Supports (CDCS) Community First Services and Supports (CFSS) Individualized Home Supports (IHS) Individual Private PayPICS is a subsidiary of Lutheran Social Service of Minnesota.
PICS (Partners in Community Supports)Home and Community-Based Service ProviderAt PICS (Partners in Community Supports), we understand that navigating home care services for your loved ones can be overwhelming. We take care of the details of home-based care supports and services so you can focus on what truly matters - caring for your loved one. Offering services statewide for more than 25 years, PICS is a proud Financial Management Service (FMS) and Individualized Home Supports (IHS) provider. Were here to support you and your family every step of the way.Self-directed services are a home health care option for individuals with disabilities and older adults funded by state and federal programs, such as Medicaid, Medical Assistance (MA) waivers, or the Alternative Care program. Choosing to self-direct offers you the flexibility to take control of your care, from hiring and managing caregivers (including family and friends) to identifying and buying the supports you need.Why choose PICS?Our customer service focus means that you spend more time caring for your loved one and less time worrying about the financial aspects of home health care. We will help you hire and train your workers, manage payroll, stay on budget, and make sure all of your financial reporting is correct.PICS offers:Human resource expertise and a seamless hiring process for new caregivers.Online portal available 24/7 for easy timecard submission, real time financial reporting and spending summary reports.Payroll support to issue direct support staff paychecks and answer payroll related questions.Expense reimbursement for your purchases.Services in all languages.PICS services:Consumer Directed Community Supports (CDCS) Community First Services and Supports (CFSS) Individualized Home Supports (IHS) Individual Private PayPICS is a subsidiary of Lutheran Social Service of Minnesota.
PICS (Partners in Community Supports)Home and Community-Based Service ProviderAt PICS (Partners in Community Supports), we understand that navigating home care services for your loved ones can be overwhelming. We take care of the details of home-based care supports and services so you can focus on what truly matters - caring for your loved one. Offering services statewide for more than 25 years, PICS is a proud Financial Management Service (FMS) and Individualized Home Supports (IHS) provider. Were here to support you and your family every step of the way.Self-directed services are a home health care option for individuals with disabilities and older adults funded by state and federal programs, such as Medicaid, Medical Assistance (MA) waivers, or the Alternative Care program. Choosing to self-direct offers you the flexibility to take control of your care, from hiring and managing caregivers (including family and friends) to identifying and buying the supports you need.Why choose PICS?Our customer service focus means that you spend more time caring for your loved one and less time worrying about the financial aspects of home health care. We will help you hire and train your workers, manage payroll, stay on budget, and make sure all of your financial reporting is correct.PICS offers:Human resource expertise and a seamless hiring process for new caregivers.Online portal available 24/7 for easy timecard submission, real time financial reporting and spending summary reports.Payroll support to issue direct support staff paychecks and answer payroll related questions.Expense reimbursement for your purchases.Services in all languages.PICS services:Consumer Directed Community Supports (CDCS) Community First Services and Supports (CFSS) Individualized Home Supports (IHS) Individual Private PayPICS is a subsidiary of Lutheran Social Service of Minnesota.