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Caregiver Money · Florida

Get paid to care for your family member in Florida

You're already doing the work. Florida has programs that can pay you for it.

Check if you qualify — 60-second quiz →

Key facts

Program
SMMC Long-Term Care — Participant Direction Option (PDO)
Typical pay
hourly wages for authorized care hours
Spouses?
Notably yes — Florida's PDO generally allows spouses to be paid caregivers, which is rare.
Live-in required?
Not for this program (rules vary by program).

How it works

Florida's Statewide Medicaid Managed Care Long-Term Care program includes a Participant Direction Option (PDO) that lets the person receiving care hire family — including, unusually, a spouse — as their paid caregiver for authorized hours. Enrollment runs through the member's managed-care plan, and there can be a waitlist for the LTC waiver itself.

Steps to get started

  1. Get on (and through) the Florida LTC waiver screening — waitlists are real; priority is by need.
  2. Once enrolled in an LTC plan, elect the Participant Direction Option.
  3. Hire the family caregiver; the plan's fiscal agent runs payroll.
  4. Keep timesheets and care documentation current.

We'll find the money your family qualifies for

cares-ai is building a Caregiver Money companion: answer a few questions, see every program you may qualify for (Medicaid, VA, tax credits), and keep the care log these programs require — in one place. Join the waitlist and we'll email you as soon as the Florida eligibility checker opens.

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Common questions

Can spouses be paid caregivers in Florida?

Notably yes — Florida's PDO generally allows spouses to be paid caregivers, which is rare.

How much does it pay?

SMMC Long-Term Care — Participant Direction Option (PDO) pays hourly wages for authorized care hours. Exact amounts depend on assessed care level and current program rates — treat published figures as estimates until confirmed in writing.

Do I have to live with the person I care for?

Not necessarily for this program, though some related programs do require it. Each program's rules differ.

What documentation is required?

Nearly every caregiver-pay program requires ongoing documentation — daily care notes, timesheets or electronic visit verification, and periodic assessments. Missing or sloppy records are the #1 reason payments get delayed or clawed back. (Keeping this record effortless is exactly what cares-ai is building.)

Heads-up on timing: federal Medicaid funding changes passed in 2025 mean states are reviewing home-care budgets through 2026–2027. Programs, rates, and waitlists can shift — one more reason to get enrolled (or waitlisted) sooner rather than later, and to keep your documentation airtight.

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