personal care agreement is a written agreement between you and the family member or other person who will provide care for compensation. It permits you to pay a reasonable rate for your caregiver’s services and spend down assets or income to become eligible for Medicaid, and can be in place whether you live in a nursing home now (or in the future) and need Medicaid now (or in the future).

In conjunction with this, make a plan B in case you do need public assistance to help with facility costs at some point. Determine what your options will be if your care needs get too great for your caregivers. Many of us wait until our caregivers are totally burned out and simply can’t meet…



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