Maryland CPAS Eligibility 2026: Your Essential Guide
Understanding CPAS eligibility is the first step to keeping your loved one at home. We break down the medical requirements, financial criteria, residence rules, and application process into a clear plan for your family.
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Program Overview
Understanding CPAS Eligibility
CPAS is a State Plan entitlement — meaning there is no waitlist. The program serves older adults and individuals with disabilities who need help with daily living activities while remaining in their homes and communities.
Compared to the CO Waiver, CPAS is more accessible because it does not require a nursing facility level of care. If you need assistance with at least one Activity of Daily Living (ADL), you may qualify.
Contrairement à de nombreuses options complexes de dérogation Medicaid, le programme CPAS du Maryland est un droit du Plan d'État, ce qui signifie que les personnes admissibles peuvent recevoir des prestations sans liste d'attente.
Le programme fournit des services à domicile et communautaires aux personnes qui ont besoin d'aide pour les activités de la vie quotidienne, et pas uniquement à celles qui nécessitent un niveau de soins en établissement spécialisé, aidant les personnes à rester en sécurité chez elles tout en recevant le soutien dont elles ont besoin.
Medical Necessity Requirements
CPAS requires a demonstrated medical need for assistance with daily living — but the threshold is more accessible than other Maryland programs
ADL Requirement
CPAS requires assistance with at least one Activity of Daily Living (ADL). This is more accessible than the CO Waiver and CFC, which require a full nursing facility level of care.
Independence Focus
The Maryland Department of Health designed CPAS to help individuals maintain their independence. The program supports those who need moderate assistance without requiring the higher level of care associated with nursing home placement.
Financial Eligibility Criteria
You must qualify for Maryland Medicaid first. Multiple pathways are available depending on your situation.
Medicaid du Maryland offre plusieurs voies d'admissibilité, et les plafonds de revenus varient selon l'âge, le type de programme et la situation du ménage. De nombreuses personnes qui semblent initialement dépasser les revenus admissibles se qualifient néanmoins par l'une des voies suivantes :
SSI Pathway
SSI recipients automatically qualify for Maryland Medicaid, simplifying the CPAS application process.
Medically Needy (Spend-Down)
If your income exceeds the standard limit, you may still qualify by applying medical expenses toward the income threshold.
Asset Limits
Approximately $2,500 for an individual and $3,000 for married couples. Primary residence is typically excluded from the asset calculation.
Because eligibility rules are complex and updated annually, we strongly recommend contacting Family Love Care for a free eligibility pre-screening before drawing any conclusions about whether you qualify.
Residence Requirements
CPAS services must be delivered in an approved community setting — not in institutional facilities
Approved Settings
- Your own home
- Home of a family member or friend
- Approved community-based environments
Not Available In
Assisted Living Facilities
CPAS is not available for individuals residing in assisted living facilities. If a higher level of care is needed, the CO Waiver may be more appropriate.
Le programme est conçu pour fournir des services de soins personnels à domicile tout en permettant aux personnes de rester connectées à leur communauté et à leur réseau de soutien.
Supports Planning and Case Management
Personal Plan of Care
After CPAS approval, you begin supports planning and case management. A supports planner is assigned to develop your personal plan of care, outlining the specific services and hours you receive.
This plan is tailored to your unique needs and is regularly reviewed to ensure it continues to serve you effectively.
Nurse Monitoring
Nurse monitoring is included with CPAS. A registered nurse (RN) conducts periodic visits to ensure:
- Care plan is medically appropriate
- Services are meeting current needs
- Changes in condition are identified and addressed
La planification continue des soutiens et le suivi infirmier contribuent à garantir que vos services et soutiens à long terme restent efficaces, adaptables et alignés sur votre santé et votre sécurité à domicile.
Self-Direction: Choose Your Own Caregiver
One of the most valuable benefits of CPAS is the ability to select who provides your care
Avec l'autodirection, vous pouvez :
- Choisir un membre de la famille ou un ami de confiance comme aidant rémunéré
- Avoir un plus grand contrôle sur votre emploi du temps de soins quotidiens et vos besoins de soutien
Quel que soit le prestataire de soins, tous les aidants doivent être employés par une Agence de Services Résidentiels (RSA) agréée telle que Family Love Care. L'agence gère la paie, les retenues fiscales et la conformité au nom de l'aidant, afin que vous puissiez vous concentrer sur les soins dont vous avez besoin.
The Application Process
The CPAS application process takes approximately 3 months. Here are the steps in order.
Initial Contact
Reach out to Family Love Care for a free CPAS eligibility pre-screening. Our team will guide you and connect you with Maryland Access Point (MAP) to begin the official application.
Medicaid Enrollment
You must have active Maryland Medicaid before a CPAS application can move forward. If you are not yet enrolled, apply through Maryland Health Connection or your local Department of Social Services.
Nurse Assessment
After Medicaid approval, a state nurse conducts an in-home assessment to evaluate your functional needs, confirming you require assistance with at least one ADL.
Supports Planning
Once approved, a Support Planning Agency (SPA) develops your personalized Plan of Service, outlining your approved personal care services and hours.
Caregiver Setup
Family Love Care onboards your chosen caregiver and ensures all requirements are met, including training, payroll, and ongoing support.
Expert Guidance
How Family Love Care Helps You Navigate CPAS
Family Love Care specializes in navigating the CPAS eligibility process without confusion. Our team provides end-to-end support so your family can focus on care, not paperwork.
What FLC Helps With:
- Understanding CPAS eligibility for personal care services
- Preparing for functional assessment and supports planning
- Helping families establish paid caregivers
- Coordinating documentation
- Ongoing guidance to maintain and maximize benefits
Alors que des programmes comme CPAS et Community First Choice (CFC) continuent de se développer en 2026, l'accès à un soutien fiable à domicile est plus important que jamais pour les personnes âgées et les personnes handicapées.
Family Love Care travaille aux côtés du cadre du Département de la Santé du Maryland pour vous aider à naviguer dans les exigences et à accéder aux soins dont vous avez besoin, afin que vous puissiez rester en sécurité chez vous et vous concentrer sur votre santé et votre famille.
Frequently Asked Questions
Common questions about Maryland CPAS eligibility
Prenez soin d’un proche —
et soyez rémunéré !
Avec Family Love Care, vous pouvez être rémunéré(e) pour prendre soin d’un membre de votre famille ou d’un ami !
Payé par Medicaid !
Contactez-nous pour en savoir plus
Connectez-vous pour remplir automatiquement vos informations
Vos données sont sécurisées, privées et conformes à la HIPAA.