Maryland CPAS Pay Rates 2026: The Family Love Care Guide
Everything you need to know about CPAS caregiver pay rates in Maryland — hourly wages, benefits, sick leave protections, and how Family Love Care supports caregivers with competitive compensation.
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2026 CPAS Caregiver Pay Rates
CPAS caregivers in Maryland earn between $15 and $18 per hour, with rates varying by agency, complexity of care, and approved hours. Baltimore-area rates may be slightly higher.
CPAS Caregiver Hourly Rate
$15–$18/hr
Caregivers earn between $15 and $18 per hour depending on the agency, level of care required, and approved service hours. Baltimore-area rates may be slightly higher. All payments go through a licensed RSA.
Family Love Care Benefits Package
As a Family Love Care caregiver, you receive more than just an hourly wage. Our comprehensive benefits package is designed to support you and your family.
Medical Insurance
Full-time caregivers receive full medical coverage. All other caregivers have access to Minimum Essential Coverage (MEC) plans.
Dental Insurance
Comprehensive dental coverage for preventive care, treatments, and more.
Vision Insurance
Vision coverage including eye exams, glasses, and contact lenses.
Paid Sick Leave
Up to 40 hours of paid sick and safe leave per year, accrued at 1 hour per 30 hours worked.
Performance Incentives
Earn additional compensation through our performance incentive programs for dedicated caregivers.
Free Training
All state-required training provided at no cost, including initial certification and ongoing education.
Your care has value — and your compensation should reflect that.
Family Love Care is committed to providing the best possible benefits for our CPAS caregivers. Contact us to learn more about our full benefits package.
Maryland Healthy Working Families Act
Maryland law provides important paid sick leave protections for all caregivers, including those in the CPAS program.
Accrual Rate
1 hour of sick leave for every 30 hours worked
Annual Maximum
Up to 40 hours of paid sick and safe leave per year
Eligible Uses
Personal illness, family member care, domestic violence, sexual assault, or stalking situations
Carryover
Unused hours carry over to the next year, subject to the 40-hour cap
Your rights are protected by Maryland law.
The Maryland Healthy Working Families Act ensures that all CPAS caregivers have access to paid sick and safe leave. Family Love Care fully complies with this law and tracks your accrued hours automatically.
Financial Eligibility for CPAS
The participant must qualify for Maryland Medicaid. Multiple pathways exist including the SSI pathway (automatic eligibility), Medically Needy spend-down, and standard income/asset limits.
Standard Income Limit
~$1,830/mo for a single applicant under standard Medical Assistance
Asset Limit (Single)
Approximately $2,500, excluding primary residence and household furnishings
Asset Limit (Married)
For married couples; CPAS typically does not apply Spousal Impoverishment rules for income
SSI Recipients
Automatically qualify for Maryland Medicaid
Medically Needy Spend-Down
Available for those with income above the standard limit
Spend-Down Strategy
If your income exceeds the standard Medicaid limit, you may still qualify through the Medically Needy pathway. By applying qualifying medical expenses — such as prescriptions, doctor visits, and home care costs — toward your countable income, you can reduce it to the eligibility threshold. Family Love Care can help you identify and document qualifying expenses.
Medical Eligibility: Activities of Daily Living
To qualify for CPAS, applicants must demonstrate a need for assistance with at least one Activity of Daily Living (ADL). Unlike the CFC or CO Waiver, CPAS does not require a full nursing facility level of care.
Clinical Requirement
Assistance with at Least 1 ADL
A nurse from the Maryland Department of Health evaluates the participant's ability to perform daily activities. CPAS eligibility requires help with at least one ADL, making it more accessible than programs requiring nursing home level of care.
Bathing
Assistance with washing, showering, and personal hygiene routines
Grooming
Help with hair care, oral hygiene, shaving, and other personal grooming tasks
Dressing
Help with putting on and removing clothing and footwear
Eating
Support with meal consumption, including feeding assistance when needed
Mobility
Help with walking, transfers, and moving safely within the home
Toileting
Help with using the toilet, maintaining continence, and personal hygiene
Transferring
Assistance moving between positions such as bed to chair or chair to standing
CPAS is more accessible than CFC or CO Waiver.
Because CPAS only requires assistance with one ADL (compared to two for CFC), it serves as an important option for individuals who need moderate support to remain safely at home. Any ADL need can qualify — not just those listed above.
Licensed RSA
Why Families Choose Family Love Care
Caregiving is more than a job — it is an act of love. Family Love Care helps families establish paid caregivers through the CPAS program, ensuring that enrollment, training, and payment are handled correctly from day one.
Our team coordinates nurse assessments, care plan documentation, payroll processing, and ongoing compliance so you can focus entirely on providing care.
The True Cost of Care Without Medicaid
Without Medicaid coverage, Maryland long-term care costs are significant. CPAS provides these services at no out-of-pocket cost to eligible residents.
Assisted Living
$6,900/mo
Memory Care
+$1,224–$1,725/mo
Home Care
$30/hr
Adult Day Care
$105/day
Frequently Asked Questions
Common questions about Maryland CPAS pay rates in 2026
Care for a Loved one —
And get paid!
With Family Love Care, you can get paid to care for a family member or friend!
Paid by Medicaid!
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