Pennsylvania offers Medicaid waiver programs under the Community
HealthChoices (CHC) umbrella and the Pennsylvania Department of Aging
(PDA) Waiver (often referred to as the PA Council on Aging Waiver). These
programs help older adults and individuals with physical disabilities remain in
their homes or community settings instead of entering nursing facilities. CHC
and the PDA Waiver provide long-term services and supports (LTSS) based on
assessed functional needs, emphasizing assistance with ADLs and IADLs. Covered
services may include personal care assistance, adult day services, home-delivered
meals, transportation, home modifications, assistive technology, and respite
care for family caregivers. In addition, Pennsylvanias CHC Waiver offers
Participant-Directed Services that allow participants to hire and manage their
own caregivers, including family members. To qualify, applicants must be
Medicaid-eligible, at least 60 years old (for PDA Waiver) or 21+ (for CHC), and
require a nursing facility level of care as determined through a standardized
functional assessment of ADLs/IADLs. In this article, we explain what Activities
of Daily Living (ADLs) and Instrumental Activities of Daily
Living (IADLs) are and how needing help with these tasks is central to
qualifying for Pennsylvanias Medicaid waivers like CHC and the PDA Waiver.What Are ADLs (Activities of Daily Living)?Activities of Daily Living (ADLs) are fundamental self-care
tasks that a person must perform daily to maintain independence. Difficulty
with ADLs often signals a need for supportive services. Core ADLs include:
Mobility
(Ambulating/Transferring): Safely walking, getting up from a
chair, or transferring from a bed to a wheelchair.
Dressing: Selecting
and putting on appropriate clothing (including handling fasteners) without
assistance.
Eating: Feeding
oneselfusing utensils to get food from a plate to the mouth and consuming
it.
Personal
Hygiene: Bathing or showering and performing grooming activities
like shaving, brushing teeth, and combing hair on ones own.
Toileting
(Continence): Independently using the toiletgetting to the
toilet, transferring on and off, and cleaning oneself afterward.
When someone can no longer perform several ADLs without
help, it indicates that ongoing care or support is likely needed.What Are IADLs (Instrumental Activities of Daily Living)?Instrumental Activities of Daily Living (IADLs) are more
complex tasks that allow a person to live independently in the community. While
not necessarily performed daily, they are essential for managing ones
household and life. Key IADLs include:
Shopping
for Essentials: The ability to shop for groceries, pick up
prescriptions, or purchase clothing and other necessities.
Meal
Preparation: Planning and cooking mealsgathering ingredients and
safely using kitchen appliances.
Housekeeping: Keeping
the home clean and livable tasks like cleaning, laundry, and taking out
the trash.
Money
Management: Handling finances, such as paying bills on time,
managing bank accounts, and budgeting.
Transportation: Getting
around or arranging transportationdriving oneself or using public transit
or rides to run errands and attend appointments.
Medication
Management: Managing and taking medications properly remembering
to take the correct medicines at scheduled times and refilling
prescriptions.
Communication: Using
the phone or computer to communicatelooking up phone numbers, making
calls, sending emails, and staying in touch with others.
Trouble with IADLs is often one of the first signs that
someone needs more support, even if basic ADLs are unaffected.Why ADLs and IADLs Matter for Medicaid Waiver EligibilityIn Pennsylvania, needing help with ADLs and IADLs is a
central eligibility criterion for the CHC and PDA Waiver programs. These
waivers serve individuals who would otherwise qualify for nursing facility care
but prefer to remain in their own homes or community settings. Eligibility is
determined through both financial and functional assessments. The functional
assessment evaluates whether an individual requires hands-on assistance with
ADLs and/or significant help with IADLs, thereby meeting a nursing facility
level of care. Pennsylvania uses standardized toolsoften the Pennsylvania
LongTerm
Care Assessment System (PaLTAS) or the Minimum Data SetHome Care
(MDSHC)to score independence in ADLs and IADLs.During the functional evaluation, an assessor reviews
abilities such as transferring from bed to chair, walking safely, eating,
toileting, meal preparation, housekeeping, medication management, and managing
money. Cognitive issuessuch as memory problems due to dementiaare also
considered since they impact daily functioning. If an individual cannot perform
multiple ADLs without assistance or has significant deficits in IADLs, they are
likely to meet the level-of-care requirement and become eligible for waiver
services.Community HealthChoices (CHC) WaiverCommunity HealthChoices (CHC) is Pennsylvanias
comprehensive HCBS waiver program for individuals aged 21 and older who require
a nursing facility level of care. Administered by the Office of Long-Term
Living (OLTL), CHC is a managed care program that combines physical health,
long-term services and supports, and pharmacy benefits under a single plan
(with behavioral health carved out). To qualify for CHC:
Be age
21 or older.
Meet
Medicaid financial eligibility guidelines.
Require
a nursing facility level of care (confirmed through functional
assessment).
Live
in a setting that meets HCBS requirements (e.g., home, apartment, assisted
living).
Be a
Pennsylvania resident.
Once enrolled, participants receive a comprehensive package
of services tailored to their needs. Covered services may include personal
assistance, home-delivered meals, adult day services, behavioral support,
professional nursing, home modifications, assistive technology, transportation,
and respite care. CHC also offers Participant-Directed Services, allowing
participants to recruit, hire, train, and supervise their own caregiversoften
family membersto assist with ADLs (bathing, dressing, toileting) and IADLs
(meal preparation, medication reminders).PDA Waiver (Council on Aging Waiver)The Pennsylvania Department of Aging (PDA) Waiver, also
called the Council on Aging Waiver, serves seniors aged 60 and over who require
nursing facility level of care but choose to remain at home or in other
community-based settings like domiciliary care homes. To qualify:
Be age
60 or older.
Meet
Medicaid financial eligibility requirements.
Be
assessed as requiring nursing facility level of care (through the
functional assessment).
Live
in a qualifying community setting.
Covered services under the PDA Waiver may include personal
care assistance, home-delivered meals, homemaker services, personal emergency
response systems, respite care, adult day services, minor home modifications,
and transportation. Like CHC, the PDA Waiver emphasizes managing ADL and IADL
needs to keep participants safely in their homes.Participant-Directed ServicesBoth CHC and the PDA Waiver offer Participant-Directed
Services, which empower participants to choose and manage their own caregivers,
including family members, friends, or neighbors. Under this model, participants
develop a service plan with guidance from a care coordinator, set schedules,
and handle payroll tasks. This flexibility helps ensure that personal care and
IADL support align with participants preferences and routines.Signs That Your Loved One May QualifyBelow are practical indicators that someone may be eligible
for Pennsylvanias CHC or PDA Waiver due to difficulty with ADLs and IADLs:
Trouble
with Personal Care: Skipping showers, unkempt hair, or wearing
dirty clothes may indicate difficulties with bathing and dressing (ADLs).
Malnutrition
or Weight Loss: An empty fridge or significant weight loss
suggests issues with meal prep or feeding oneself (ADLs/IADLs).
Mobility
Decline and Falls: Struggling to walk without assistance, needing
help to stand, or experiencing frequent falls signals reduced mobility
(ADL: transferring/ambulating).
Medication
Errors and Memory Problems: Missing doses, mixing up pills, or
forgetting appointments point to challenges with medication management and
scheduling (IADLs).
Household
Neglect: Piles of mail, unpaid bills, or a cluttered home reflect
trouble with housekeeping and money management (IADLs).
A combination of needing help with several ADLslike bathing
and toiletingand difficulties with IADLssuch as meal prep and
housekeepingstrongly indicates a nursing facility level of care. Document
these challenges for the functional assessment to demonstrate eligibility.Were Here to Help: Next Steps and Contact InformationNavigating Pennsylvanias Medicaid waiver programs can be
complex, but you dont have to go it alone. At Passion to Care, we specialize
in guiding Pennsylvania families through the CHC and PDA Waiver application
processesfrom the initial functional assessment of ADLs and IADLs to
completing paperwork and coordinating services once approved. If you notice
your loved one struggling with daily tasks or if a professional has recommended
nursing facility care, it may be time to explore CHC or the PDA Waiver. Our
compassionate, family-first team ensures your loved ones needs are met with
dignity and respect. Call us or contact us today
to learn how to get started with Pennsylvanias Medicaid waivers for home and
community-based services.