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.
与许多复杂的Medicaid豁免选项不同，Maryland CPAS计划是一项州计划权利，这意味着符合条件的个人可以在没有等待名单的情况下获得福利。
该计划为需要日常生活活动帮助的个人提供家庭和社区服务，不仅仅是需要护理设施级别护理的人，帮助人们在获得所需支持的同时安全地留在家中。
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.
Maryland Medicaid有多种资格途径，收入限额因年龄、计划类型和家庭状况而异。许多最初看起来收入超标的个人仍然可以通过以下途径之一获得资格：
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.
该计划旨在提供居家个人护理服务，同时让个人保持与社区和支持系统的联系。
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
持续的支持规划和护士监督有助于确保您的长期服务和支持保持有效、适应性强，并与您在家中的健康和安全保持一致。
Self-Direction: Choose Your Own Caregiver
One of the most valuable benefits of CPAS is the ability to select who provides your care
通过自我管理，您可以：
- 选择值得信赖的家人或朋友作为您的有偿护理人员
- 对您的日常护理安排和支持需求有更大的控制权
无论谁提供护理，所有护理人员都必须通过持牌住宅服务机构（RSA）如Family Love Care受雇。该机构代表护理人员处理工资、税务代扣和合规事务，让您专注于获得所需的护理。
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
随着CPAS和Community First Choice (CFC)等计划在2026年继续扩展，对于老年人和残疾人来说，获得可靠的居家支持比以往任何时候都更加重要。
Family Love Care与Maryland Department of Health的框架协同工作，帮助您了解要求并获得所需的护理，使您能够安全地留在家中，专注于健康和家庭。
Frequently Asked Questions
Common questions about Maryland CPAS eligibility
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