Minnesota Community Access for Disability Inclusion (CADI) Waiver
What is a Medicaid Waiver?
Medicaid Waivers, also known as Home and Community Based Services (HCBS) Waivers and Waiver Funded Services, allow qualifying program participants to receive services out of the nursing homes. Medicaid’s standard benefit is to pay for nursing home residential care. However, when available, Medicaid Waivers help to provide more options for individuals. The cost of the care outside of a nursing home needs to be less than the cost of care in a nursing home.
The Minnesota Community Access for Disability Inclusion Waiver (CADI), formerly called the Community Alternatives for Disabled Individuals Waiver, is a statewide program that provides financial assistance to eligible individuals to help them with the cost of services that enable them to remain living independently. This program enables persons who would otherwise require nursing home admittance to continue living in their own home, a relative’s home, an adult foster care home, or an assisted living facility. Services include an array of benefits, including personal assistance, adult day care, homemaker services, respite, and home modifications.
While this program is intended for individuals under the age of 65 at the time of enrollment, a senior may either continue on this waiver after the age of 65, or enroll in the Minnesota Elderly Waiver. CADI allows for Consumer Directed Community Supports (CDCS), which means it allows for consumer direction or self-direction, of certain services / benefits, such as vehicle and home modifications, and personal care services. This includes homemaker services, respite care, and assistance with day-to-day activities. Family members, such as adult children, may be hired given they are qualified for the necessary services. Spouses and other legal guardians are not eligible to be paid caregivers.
This waiver is administered by the Minnesota Department of Human Services Division of Disability Services.
To be eligible for this wavier, there are multiple criteria that must be met.
Age and Disability
Minnesota residents must be under the age of 65, and must require a nursing home level of care. Individuals must be certified as disabled by the Social Security Administration, or via the state medical review team. Depending on the level of disability, it may be possible that early-onset Alzheimer’s or another type of dementia could qualify an individual as disabled. The individual must also require a greater level of support than is offered via Medical Assistance (MA), which is the Medicaid program for Minnesota for low-income residents.
Income and Assets
The CADI waiver also has income and asset requirements. Individual applicants cannot have an annual income greater than 95% of the Federal Poverty Level (FPL). As of 2018, this figure is $11,533 per year, or calculated monthly, the limit is $961. For married couples with both spouses as applicants, the annual income limit is $15,637. Calculated on a monthly basis, this figure equals $1,303.
The asset limits vary with the age of the candidate. For most single participants, the individual may have assets up to $3,000 in value, and married couples (both spouses as applicants), can retain up to $6,000 in assets. Make note, if married, assets are considered jointly owned even if only one spouse of the couple is applying for waiver services. However, there are spousal impoverishment rules in place to protect the non-applicant spouse, often referred to as the community spouse, from becoming impoverished. As of 2018, the non-applicant spouse can retain assets up to $123,600. Some assets are exempt, such as the applicant’s home, if the applicant (or their spouse) lives in the home and it is valued under $572,000.
Benefits and Services
The CADI Waiver includes many benefits and services in a variety of settings, which include the home of an eligible applicant, the home of a family member, a foster home, or an assisted living facility. Services are covered in these living environments, but the participant’s rent and basic living costs are not covered.
- Adult Day Care / Adult Day Health
- Case Management
- Chore Services – snow removal, cleaning of gutters, etc.
- Family Counseling / Training
- Foster Care
- Home / Vehicle Modifications – installation of lifts, ramps, widening of doorways, roll-in showers, grab bars, etc.
- Home Meal Delivery
- Homemaker Services – assistance with light housecleaning, laundry, shopping, meal preparation, etc.
- Housing Access Coordination
- Non-Medical Adult Companion Services
- Night Supervision Services
- Nursing Services / Home Health Aide
- Personal Caregiving (live-in and out-of-home)
- Personal Emergency Response System (PERS)
- Respite Care – in-home or out-of-home
- Specialized Equipment / Supplies – includes Durable Medical Equipment
- Therapies – physical, occupational, speech, respiratory, behavioral
- Transitional Services
- Non-Medical Transportation
Contact American Family Home Care today at 763-971-8888 for more details!
CAC Waiver Program
Program: Community Alternative Care Waiver – CAC
The Community Alternative Care (CAC) Waiver provides funding for home and community-based services for children and adults who are chronically ill. The CAC Waiver is designed to serve individuals with disabilities who would otherwise require the level of care provided in a hospital. Covered services include: – All MA covered services
- Case Management
- Case Management Aide (Paraprofessional)
- Family Counseling
- Family Training
- Foster Care
- Home Health Aide, Extended
- LPN (Regular Home Health, Extended; Shared Home Health, Extended 1:2)
- LPN (Complex Home Health, Extended)
- Nutritional Therapy, Extended
- Occupational Therapy or Assistant, Extended
- Personal Care Assistant (Extended 1:1; Extended 1:2; Extended1:3)
- Physical Therapy or Assistant, Extended
- Prescription Drugs, Extended
- RN (Regular Home Health, Extended; Shared Home Health, Extended 1:2)
- RN (Complex Home Health, Extended)
- Respiratory Therapy, Extended
- Respite Care (In-home; Out-of-home)
- Speech Therapy, Extended
- Transportation (One Way Trip)
- Transportation-Mileage (Noncommercial Vehicle)
- Transportation – Attendant