Benefits and support available in the US if you are a caregiver

Millions of Americans provide unpaid care to an elderly parent, a disabled spouse, or a child with complex needs. This care is enormously valuable — and often comes at significant personal and financial cost. Many caregivers reduce their working hours, leave the workforce entirely, or spend their own money on care-related costs. The good news is that various forms of support exist, though they are often not well publicised and can vary significantly by state.

This is a general overview. Eligibility and availability vary by state, income, and individual circumstances. Always verify directly with the relevant program or agency.

Medicaid home and community-based services

In many states, Medicaid programs include home and community-based services (HCBS) waivers that can pay family caregivers directly for providing care to an eligible Medicaid recipient. This means that in some states, if you are caring for a parent or family member who qualifies for Medicaid, you may be able to be paid for that care through a state program.

The availability and rules of these programs vary significantly by state. Search for your state's Medicaid waiver programs or contact your state Medicaid agency to ask what is available.

VA caregiver support programs

If you are caring for a veteran, the Department of Veterans Affairs (VA) has dedicated caregiver support programs. The Program of Comprehensive Assistance for Family Caregivers (PCAFC) provides a monthly stipend, health insurance, mental health services, and respite care to eligible primary family caregivers of eligible post-9/11 veterans.

There are also support programs for caregivers of veterans from other service eras. Contact the VA Caregiver Support Line at 1-855-260-3274 or visit caregiver.va.gov for more information.

Area Agencies on Aging

Every state has Area Agencies on Aging (AAAs), which are local organisations that coordinate services for older adults and their caregivers. These services can include respite care, counseling, case management, and information about local caregiver support programs. Eldercare.acl.gov can help you locate your local AAA.

Tax benefits for caregivers

If you pay for care services for a dependent parent or family member, you may be able to claim the Dependent Care Credit on your federal tax return. Additionally, if your employer offers a Flexible Spending Account (FSA) for dependent care, you can use pre-tax dollars to pay for eligible care expenses. Speak with a tax professional to understand which benefits apply to your situation.

FMLA and workplace protections

The Family and Medical Leave Act (FMLA) allows eligible employees at covered employers to take up to 12 weeks of unpaid, job-protected leave per year to care for a spouse, child, or parent with a serious health condition. This does not provide income, but it protects your job while you take time away to provide care.