Indiana’s Structured Family Caregiving (SFC) program pays eligible caregivers a tax-free daily stipend for providing in-home care, turning unpaid labor into compensated service.
How much does the program pay? Who qualifies? How does it work?
What is Structured Family Caregiving in Indiana?
Structured family caregiving in Indiana is a state program that allows family or live-in caregivers to receive compensation for daily care for those who may otherwise need nursing facility placement.
Unlike hourly attendant care programs, SFC operates on a daily stipend model. Caregivers receive a flat daily rate rather than tracking hours on a timesheet. The program assumes that when you live with and care for someone who needs assistance, you’re essentially on call around the clock.
How Caregiver Pay Is Structured in Indiana’s SFC Program
Caregiver pay in Indiana’s SFC program depends on your loved one’s assessed care level. A nurse assessment assigns one of three levels, each with a fixed daily rate. Higher levels mean greater care needs and higher pay.
- Level 1: Basic care needs
- Level 2: Moderate assistance with multiple activities of daily living
- Level 3: Extensive, hands-on care needs (highest level)
Your pay depends on the assigned care level, your agency’s payment percentage, and any state rate changes.
In most cases, SFC stipends are considered tax-free under IRS guidance for live-in caregivers, allowing you to keep more of your earnings. Because tax situations vary, it’s still wise to consult a tax professional.
Who meets the eligibility requirements for Indiana’s SFC program?
SFC eligibility in Indiana depends on both the care recipient and the caregiver.
Care recipient eligibility
- Must be enrolled in Indiana Medicaid and qualify for an HCBS waiver (A&D, TBI, Pathways for Aging, or Health and Wellness)
- The recipient must be over 65 or have a recognized disability, determined through a nurse’s assessment.
- Recipients must meet Medicaid income and asset limits; spend-downs or trusts can sometimes help qualify.
Caregiver eligibility
- Must live with the care recipient
- Must be at least 18 years old
- Must pass a background check and complete required training
- May work outside the home, as long as caregiving remains the primary responsibility
Can Spouses Get Paid as Caregivers in Indiana?
Yes. Indiana allows spouses as paid caregivers under SFC, unlike many other states. If your husband or wife needs daily assistance with personal care, and you’re providing that care while living together, you may qualify for SFC payments.
The same eligibility requirements apply—your spouse must meet Medicaid and functional care criteria, and you must complete the background check and training through an approved provider.
What Happens If Your Loved One’s Needs Change?
Health needs change. Someone who needed moderate support last year might now need extensive care. Indiana’s SFC reassesses as needs change.
If your loved one’s needs increase, request a reassessment. A nurse may assign a higher care tier and raise daily pay accordingly.
If your loved one is hospitalized, SFC payments pause during the stay and resume after a safe return home.
Is Structured Family Caregiving the Right Choice for Your Family?
SFC is best when you’re already living with and providing substantial daily care to a loved one who qualifies for waiver services. The program formalizes and compensates the care you’re already giving.
Families considering nursing home placement may find SFC a meaningful alternative. The financial support can make home care sustainable.
If your loved one’s needs are too great for home care, or if caregiving strains your health, consider other options. Assess your family’s situation honestly.
Ready to Learn If Your Indiana Family Qualifies for SFC?
Caring for a loved one at home is meaningful and demanding. If you’re already doing it, learn what support is available and if you qualify.
Contact Primecare Home Care to check your family’s SFC eligibility. Call 317-559-6062 or use our website form.
Disclaimer: This information does not guarantee eligibility or program enrollment. Requirements, pay rates, and availability may change. Contact Primecare Home Care or your Area Agency on Aging for updates.
