There are some resources available to help seniors pay for care at home, which are listed above. These may include certain
Medicaid waiver programs, veterans benefits and long-term care insurance. However, more commonly, home care is paid for out of pocket by the individual receiving services or their family members. This may also be referred to as private pay, and can be covered with savings, splitting costs, retirement income or a reverse mortgage. In some cases, it can be more affordable to hire a caregiver only for a few hours per day and split other caregiving duties with family members.