Family caregivers need to take breaks. That’s a given. But determining how to pay for care for a loved one while you’re away is more complicated. Here are some options to look into:
- Insurance – Medical insurance usually doesn’t cover respite unless medical professionals are involved, but long-term care usually covers services for a limited time or dollar amount.
- Medicaid – Medicaid won’t directly cover respite, but in some states, waivers are used to apply federal funds for those with specific conditions. Check with your state office on aging.
- Veterans benefits – The VA will pay inpatient respite costs for up to 30 days per year for qualified veterans. Other coverage varies depending on the state of residence.
- Nonprofit and disability organizations – Research different organizations such as The United Way and the Alzheimer’s Association, which may offer respite money in your area.
You can also check into volunteer and free services in your area, such as churches, youth groups, and senior centers. Consider trading services with other caregivers. And don’t be afraid to ask family members for help or to take over for an extended period so you can recharge.