Understanding the Waiver System: A Simple Guide for Families

If you’ve begun exploring services for a loved one with a disability, special needs, or chronic medical condition, you may have come across the term waiver. It’s an important part of how many families access in-home care and support services — but it isn’t always clearly explained.

Let’s break down what the waiver system is, how it works, and why it matters.

What Is the Waiver System?

A Medicaid waiver is a program that allows individuals with disabilities or serious medical needs to receive care and services in their home or community, rather than in a nursing home or care facility. In simple terms, it “waives” the traditional requirement that someone must live in an institution to qualify for certain types of Medicaid-funded support.

This means individuals can remain in familiar, comfortable environments while receiving the care they need to live safely and with dignity.

Who Is Eligible for a Waiver?

Eligibility for waiver programs varies by state, but generally includes:

• Children and adults with disabilities

• Individuals with chronic or complex medical conditions

• Older adults requiring long-term care support

To qualify, individuals typically need to meet certain medical and financial guidelines, and complete an assessment through their county or state human services office.

What Services Do Waivers Provide?

Waivers can help cover a variety of services designed to support individuals in their daily lives. Depending on the program and the person’s needs, services may include:

• Personal care attendants (PCAs)

• In-home caregivers

• Respite care for family members

• Home modifications for safety and accessibility

• Transportation assistance

• Medical supplies and adaptive equipment

• Therapy services (physical, occupational, speech, etc.)

These programs are tailored to each person’s needs to help improve their quality of life and allow them to remain as independent as possible.

How Does the Application Process Work?

The first step is typically contacting your local county health and human services office or state disability services department. From there, the process involves:

1. Completing an application

2. Undergoing a care needs assessment

3. Determining program eligibility

4. Selecting care providers once approved

While the process may feel overwhelming at first, there are resources and professionals available to guide families through each step!

Additional Resources: If you’d like to learn more about waiver programs or find out how to begin the application process in Minnesota, here are some helpful starting points:

• Minnesota Department of Human Services – Disability Services

• Medicaid Waivers Overview – Medicaid.gov

  • Elderly Waiver

  • Developmental Disabilities (DD) Waiver

  • Senior Care/Senior Care+ (MN-02)

  • Community Access for Disability Inclusion (CADI) Waiver

• Disability Minnesota

  
  

Have Questions? Navigating care options shouldn’t feel impossible. If you have questions about the waiver system or home care services, our team is always happy to help connect you with the right information. Contact us today!