Indiana Medicaid Aged and Disabled (A&D) Waiver & (CDAC) Program

The Aged and Disabled (A&D) Waiver from Indiana Medicaid (Hoosier Care) became the Health & Wellness (H&W) Waiver on July 1, 2024. The H&W Waiver is for persons aged 59 and younger and is administered by the Division of Disability and Rehabilitative services within Indiana’s Family and Social Services Administration. On 7/1/24, A&D Waiver beneficiaries aged 60+ were transitioned to Indiana’s new Medicaid program, Pathways for Aging, a managed care program for seniors through which they receive their medical care and long-term services and supports. While the A&D Waiver no longer exists, this page remains for historic reference.

The Aged and Disabled Waiver provides home and community-based services (HCBS) for Indiana residents who are elderly, blind, and disabled and are at risk of being institutionalized (being placed in a nursing home). The available long-term services and supports are many and the exact benefits that program participants receive are based on their needs and circumstances. Benefits may include in-home personal care assistance, adult day care, home modifications for safety and accessibility, personal emergency response systems, and homemaker services. Assistance with security deposits and utility set-up fees for persons who wish to move back home or to another community living setting from a nursing home facility is also available.

Some services, such as attendant care, can be participant-directed via the Aged and Disabled Medicaid Waiver. Persons may hear this option referred to as Self-Directed Attendant Care, Participant Directed Attendant Care (PDAC), or Participant Directed Home Care Service (PDHCS). Participant-directed care allows program participants to hire the caregiver of their choosing to provide personal care assistance and help with other daily living activities, such as mobility and preparation / cleanup of meals. Relatives, including adult children and spouses, as well as legal guardians, can be hired as the caregiver. Persons who cannot self-direct their own care can choose someone to do so on their behalf. A financial management services agency handles the financial aspects of employment responsibilities such as tax withholding and caregiver payments.

Services can be received in one’s home, the home of a loved one, an adult family care home (adult foster care), or an assisted living residence. However, the A&D Waiver will not cover the cost of room and board in these settings.

The A&D Waiver is not an entitlement program; meeting eligibility requirements does not equate to immediate receipt of program benefits. Instead, the Waiver has a limited number of participant enrollment slots, and when these slots are full, a waitlist for program participation forms. In fact, effective on 4/3/24, the Family and Social Services Administration’s Division of Aging announced that a waiting list is being implemented.

Indiana’s Aged & Disabled Waiver is a 1915(c) Home and Community Based Services (HCBS) Medicaid Waiver. In IN, the Medicaid program is also called Indiana Health Coverage Programs (IHCP).

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Wait List Alternatives: Are you interested in connecting with a Medicaid Planning Professional to discuss alternatives to the Aged & Disabled Waiver? Waitlists can last from months to years, but there are other Medicaid programs that offer immediate care outside of nursing homes.