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MA-Waiver ProgramsThe Basics
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The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

MA-Waiver Programs

  • The Basics
  • Eligibility and Application
  • Community Alternative Care Waiver
  • Community Access for Disability Inclusion Waiver
  • Developmental Disabilities Waiver
  • Brain Injury Waiver
  • MA-Waiver Services, Working, and Other Programs
  • Example
  • FAQs
  • Pitfalls
  • Next Steps

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    updated April 15, 2025
    MA-Waiver Programs

    The Basics

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    Minnesota’s MA-Waiver programs provide services that help people with disabilities live in the community rather than in an institution.

    These programs are a part of Medical Assistance (MA). You must qualify for disability-based MA or for Medical Assistance for Employed Persons with Disabilities (MA-EPD) to enroll in a MA-Waiver program.

    Note: Many people get income-based MA, not disability-based MA. If you get MA and are not sure whether you get it is disability-based, Chat with a Hub expert to check or contact your local county or tribal human services office.

    There are five different MA-Waiver programs in Minnesota, four of which will be discussed in this section. Each individual program serves a different population:

    • The Community Alternative Care (CAC) Waiver serves people with disabilities who need the level of care normally provided in a hospital.
    • The Community Access for Disability Inclusion (CADI) Waiver serves people with disabilities who need the level of care normally provided in a nursing facility.
    • The Developmental Disabilities (DD) Waiver serves people with developmental disabilities or related conditions who need the level of care normally provided in an Intermediate care facility for persons with developmental disabilities (ICF/DD).
    • The Brain Injury (BI) Waiver provides services to people with a documented brain injury who need neurobehavioral hospital or nursing facility level of care.

    The Elderly Waiver and the Alternative Care Program serve people age 65 or older and won’t be discussed in this section.

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    Learn more

    Disability-Based MA

    For people with disabilities who have low income.

    MA-EPD

    For people with disabilities who work. No income limit.

    Job Supports and Accommodations

    Learn about reasonable accommodations and programs that help make work possible.

    MA-Waiver ProgramsEligibility and Application
    OpenClose
    The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

    MA-Waiver Programs

    • The Basics
    • Eligibility and Application
    • Community Alternative Care Waiver
    • Community Access for Disability Inclusion Waiver
    • Developmental Disabilities Waiver
    • Brain Injury Waiver
    • MA-Waiver Services, Working, and Other Programs
    • Example
    • FAQs
    • Pitfalls
    • Next Steps

    Try It

      MA-Waiver Programs

      Eligibility and Application

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      Eligibility Guidelines

      To qualify for a MA-Waiver program, the services must:

      • Be necessary to protect your health and safety
      • Help develop or maintain skills you need in your daily life
      • Best meet your desires, interests, and needs (after considering all available options)
      • Help you avoid institutionalization or help you function with greater independence in the community
      • Not be paid for by any other source, including private health coverage, Medicare, standard Medical Assistance (MA), education services, or Vocational Rehabilitation. If you can access the same service offered by a MA-Waiver program elsewhere, you have to access it elsewhere

      Who Can Enroll?

      The number of people who can enroll in a MA-Waiver program depends upon legislative action and how much funding is available. In some years, there are plenty of slots available for all people who need MA-Waiver services; in some years there are not enough available slots.

      Check with your county or tribal human services office for information on program availability in your area.

      Eligibility Criteria
      You must meet all of the following criteria to qualify for a MA-Waiver program:
      • You must qualify for disability-based MA or for MA-EPD. You cannot access MA-Waiver services through MinnesotaCare or any other Minnesota public health care program.
        • Note: Many people get income-based MA, not disability-based MA. If you get MA and are not sure whether it is disability-based, Chat with a Hub expert to check or contact your local county or tribal human services office.
      • You must be certified disabled by the Social Security Administration (SSA) or the State Medical Review Team (SMRT)
        • Note: If you’re applying for the Developmental Disabilities (DD) Waiver, you only need to have a documented diagnosis of a developmental disability. This is determined during a MnCHOICES assessment by your county or tribal human services office.
      • You can be any age when you enroll in the DD Waiver program, however the developmental disability must have been determined prior to age 22. You must be under age 65 when you enroll in the CAC, CADI, or BI Waiver programs. If you’re on a MA-Waiver program when you turn 65, you can remain on it past age 65.
      • You must get a MnCHOICES assessment from your county or tribal human services office. This assessment will help you decide which services you need. It will also help decide if living in the community, as opposed to an institution, is in your best interest.
      • You must be able to make an informed choice about the fact that you want MA-Waiver services rather than institutional care. If you're unable to make that choice, an authorized representative can make it for you
      • You must have a plan of care that ensure your health and safety (often referred to as a Community Support Plan). This plan should help you identify and access the supports you need to live in the community
      • You must need supports and services beyond those provided under standard MA or MA-EPD
      • You must live in the community, not an institution. You can live in your own home, with family, or in other community settings like foster care homes or assisted living centers

      In addition to the criteria above, each MA-Waiver program has its own specific eligibility requirements which are discussed on the ensuing pages in this section.

      Application

      The application process for each of the four MA-Waiver programs described in this section is the same.

      • Start by reviewing the eligibility criteria for each waiver program to see which one you might qualify for.
      • If you are already on disability-based Medical Assistance (MA) or on Medical Assistance for Employed Persons with Disabilities (MA-EPD), you can apply for a MA-Waiver program at your county or tribal human services office. You will need to fill out the appropriate paperwork and schedule a MnCHOICES assessment. Eligibility for all MA-Waiver programs is ultimately determined during the assessment process
      • If you are not already on disability-based MA or MA-EPD, you can also apply for any waiver program at your county or tribal human services office. You will need to schedule an assessment/screening and fill out the MHCP Long-Term Care and Waiver Services Application and any other necessary paperwork.

      Remember that there may be waiting lists for the waiver program you’re interested in. Be sure to apply as soon as you think you meet the eligibility criteria. The length of waiting lists may vary from program to program and county to county.

      If you have questions about applying for a MA-Waiver program, contact your county or tribal human services office or Chat with a Hub expert.

      Maintaining Eligibility

      The most important thing to remember about maintaining eligibility for MA-Waiver programs is this: You must remain eligible for disability-based Medical Assistance (MA) or for Medical Assistance for Employed Persons with Disabilities (MA-EPD) to maintain eligibility for your MA-Waiver program. If you lose disability-based eligibility for MA or MA-EPD, you'll no longer qualify for your waiver program either.

      You must remain eligible for disability-based Medical Assistance (MA) or for Medical Assistance for Employed Persons with Disabilities (MA-EPD) to maintain eligibility for your MA-Waiver program.

      Asset Limits

      Disability-based MA has a limit on how many assets you’re allowed to own. Disability-based MA has an asset limit of $3,000 for individuals and $6,000 for a couple. You must approve the use of the Account Validation Service (AVS) so that MA can make sure your assets are below the limit.

      Your home, the car you drive to work, and a number of other items do not count towards that total. Click here for a listing of all assets that are exempt under standard MA.

      Tip: If you’re on MA-EPD, there is no asset limit.

      Note: If you are getting disability-based MA and are under 21, you do not have an asset limit. If you are on MA via SSI's 1619b provision, the asset limit is $2,000 for individuals ($3,000 for a couple).

      Income Limits

      You have to meet the income limits for disability-based MA in order to remain eligible for MA-Waiver programs. The Income limits for MA vary depending upon which type of MA you're using. This list does not include income-based MA, because having that type of MA does not let you get the benefits provided by MA-Waiver programs.

      • Disability-Based Medical Assistance (100% FPG): One way you can qualify for MA is to have a disability and have total countable income below 100% of the Federal Poverty Guidelines (FPG). That’s $1,255 per month for individuals and $1,704 for a family of two.
      • Medical Assistance with a spenddown: If your countable monthly income is above 100% of FPG, you can pay a monthly spenddown to maintain your disability-based MA coverage. A spenddown is the amount of money you have to pay for health care expenses each month before MA starts to pay for the rest of your health care bills.
      • SSI 1619(b): If you’re on MA through Social Security’s 1619(b) provision, you will keep your MA coverage as long as your annual earned income is below $79,483.
      • Medical Assistance for Employed Persons with Disabilities (MA-EPD): MA-EPD has no upper income limit though you must be earning more than $65 per month to qualify for the program. Your MA-EPD premium will rise as your income rises, but you’re not at risk of losing MA-EPD eligibility if your income increases.

      If you have questions about working and maintaining access to MA, MA-EPD, or MA-Waiver services, Chat with a Hub expert. You can also read the DB101 articles about disability-based MA and MA-EPD.

      Other Tips on Maintaining Eligibility

      Maintaining your disability-based MA or MA-EPD coverage is essential to maintaining your eligibility for your waiver program.

      Here are a few other things you should do to be sure you keep your MA-Waiver services:

      • Complete and return all renewal forms and verifications
      • Participate in any medical and other assessments, as needed
      • Understand how changes in your income or benefits, including Social Security benefits, will affect your eligibility for MA or MA-EPD

      Appeals

      You may appeal any decision that is made regarding a Minnesota public health care program, including MA-Waiver services, by contacting your county or tribal human services office or writing to the Minnesota Department of Human Services at:

      Minnesota Department of Human Services
      Appeals and Regulations
      P.O. Box 64941
      St. Paul, MN 55164-0941

      If you have questions about filing an appeal, Chat with a Hub expert.

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      Learn more

      Disability-Based MA

      For people with disabilities who have low income.

      MA-EPD

      For people with disabilities who work. No income limit.

      Job Supports and Accommodations

      Learn about reasonable accommodations and programs that help make work possible.

      MA-Waiver ProgramsCommunity Alternative Care Waiver
      OpenClose
      The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

      MA-Waiver Programs

      • The Basics
      • Eligibility and Application
      • Community Alternative Care Waiver
      • Community Access for Disability Inclusion Waiver
      • Developmental Disabilities Waiver
      • Brain Injury Waiver
      • MA-Waiver Services, Working, and Other Programs
      • Example
      • FAQs
      • Pitfalls
      • Next Steps

      Try It

        MA-Waiver Programs

        Community Alternative Care (CAC) Waiver

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        Community Alternative Care (CAC) Waiver

        The CAC Waiver provides funding for MA-Waiver services for adults and children with disabilities. The goal of the program is to make it possible for people with disabilities to live safely in their community rather than in a hospital.

        The CAC Waiver is one of Minnesota's smallest MA-Waiver programs, serving 200 – 300 people annually. CAC Waiver services vary depending upon your needs, and can include services such as home nursing, nutritional therapy, and modifications to a home or vehicle.

        Eligibility

        To qualify for the CAC Waiver, you must meet the eligibility criteria outlined here.

        Additionally, your primary care physician and a MnCHOICES assessment must determine that you need a level of care that is typically provided in a hospital. This means that:

        • You need skilled intervention several times a day to maintain your health
        • You have predictable health needs
        • There is some risk of your health status changing quickly and if it were to change, it could lead to a life-threatening situation
        • You require a 24-hour plan of care that includes a back-up plan to assure your health and safety, and
        • You would require frequent or continuous care in a hospital without CAC Waiver services

        Services

        To qualify for the CAC Waiver, you must also be enrolled in Medical Assistance (MA), so everyone on the CAC Waiver has access to all services covered under MA. In addition, there are a number of other services that the CAC Waiver covers that MA does not. These services include:

        • Case management services
        • Consumer-directed community supports (CDCS)
        • Employment services, including work Exploration, Development, and Support
        • Extended home health aide and nursing services
        • Extended home health therapies
        • Extended Personal Care Assistant (PCA) services
        • Extended transportation services
        • Family counseling and training
        • Foster care services
        • Homemaker services
        • Modifications to the home or vehicle
        • Nutritional therapy
        • Respite care
        • Specialized supplies and equipment
        • Transitional services

        If you have any questions about the CAC Waiver program, Chat with a Hub expert.

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        Disability-Based MA

        For people with disabilities who have low income.

        MA-EPD

        For people with disabilities who work. No income limit.

        Job Supports and Accommodations

        Learn about reasonable accommodations and programs that help make work possible.

        MA-Waiver ProgramsCommunity Access for Disability Inclusion Waiver
        OpenClose
        The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

        MA-Waiver Programs

        • The Basics
        • Eligibility and Application
        • Community Alternative Care Waiver
        • Community Access for Disability Inclusion Waiver
        • Developmental Disabilities Waiver
        • Brain Injury Waiver
        • MA-Waiver Services, Working, and Other Programs
        • Example
        • FAQs
        • Pitfalls
        • Next Steps

        Try It

          MA-Waiver Programs

          Community Access for Disability Inclusion (CADI) Waiver

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          The CADI Waiver program provides funding for MA-Waiver services so that adults and children with disabilities can live in the community rather than in a nursing facility.

          The CADI Waiver serves about 10,000 people annually and provides a wide range of services including adult day care, homemaker services, independent living services, and home delivered meals.

          Eligibility

          To qualify for the CADI Waiver, you must meet the eligibility criteria outlined here.

          Additionally, a MnCHOICES assessment must determine that you need the level of care typically provided in a nursing facility. This means that you need additional assistance for at least one of the following:

          • Complex care management
          • A functional limitation
          • Complicating conditions
          • A cognitive or behavioral condition
          • Unstable health, frailty, or vulnerability, or
          • Rehabilitation or some other special treatment

          Services

          As with other MA-Waiver programs, all CADI Waiver enrollees are also enrolled in Medical Assistance (MA) and have access to all services covered under MA. In addition, there are a number of other services available to people on the CADI Waiver.

          Additional services covered under the CADI Waiver:
          • Adult day care
          • Assisted living services
          • Behavioral support
          • Case management services
          • Consumer-directed community supports (CDCS)
          • Employment services, including work Exploration, Development, and Support
          • Extended home health aide and nursing services
          • Extended home health therapies
          • Extended Personal Care Assistant (PCA) services
          • Extended transportation services
          • Family counseling and training
          • Foster care services
          • Home delivered meals
          • Homemaker services
          • Independent living skills
          • Job training services
          • Modifications to home or vehicle
          • Residential care services
          • Respite care
          • Specialized supplies and equipment
          • Transitional services

          If you have questions about the CADI Waiver program, Chat with a Hub expert.

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          Learn more

          Disability-Based MA

          For people with disabilities who have low income.

          MA-EPD

          For people with disabilities who work. No income limit.

          Job Supports and Accommodations

          Learn about reasonable accommodations and programs that help make work possible.

          MA-Waiver ProgramsDevelopmental Disabilities Waiver
          OpenClose
          The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

          MA-Waiver Programs

          • The Basics
          • Eligibility and Application
          • Community Alternative Care Waiver
          • Community Access for Disability Inclusion Waiver
          • Developmental Disabilities Waiver
          • Brain Injury Waiver
          • MA-Waiver Services, Working, and Other Programs
          • Example
          • FAQs
          • Pitfalls
          • Next Steps

          Try It

            MA-Waiver Programs

            Developmental Disabilities (DD) Waiver

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            The DD Waiver program provides services to people with a documented developmental disability or related condition.

            The DD Waiver enables adults and children with developmental disabilities to live in the community rather in an Intermediate care facility for persons with developmental disabilities (ICF/DD). The DD Waiver serves about 14,000 people per year.

            To qualify, you must meet the eligibility criteria outlined here. Additionally, a MnCHOICES assessment must determine that you need the level of care typically provided in an ICF/DD and you must have documented diagnosis of a developmental disability.

            For more information on MnCHOICES, contact your county or tribal human services office or Chat with a Hub expert.

            Services

            DD Waiver enrollees have access to all services covered under Medical Assistance (MA), as well as a number of additional services that help the live in the community.

            Additional services covered under the DD Waiver include:
            • Adult day care
            • Assistive technology
            • Caregiver training and education
            • Case management
            • Consumer-directed community supports (CDCS)
            • Consumer training and education
            • Day training and habilitation services
            • 24-hour emergency assistance
            • Employment services, including work Exploration, Development, and Support
            • Extended Personal Care Assistant services
            • Homemaker services
            • Housing access coordination
            • In-home family support services
            • Job training services
            • Live-in personal caregiver expenses
            • Modifications to the home or vehicle
            • Personal support
            • Respite care
            • Specialist services
            • Supported living services
            • Transitional services
            • Transportation services

            If you have questions about the DD Waiver program, Chat with a Hub expert.

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            Learn more

            Disability-Based MA

            For people with disabilities who have low income.

            MA-EPD

            For people with disabilities who work. No income limit.

            Job Supports and Accommodations

            Learn about reasonable accommodations and programs that help make work possible.

            MA-Waiver ProgramsBrain Injury Waiver
            OpenClose
            The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

            MA-Waiver Programs

            • The Basics
            • Eligibility and Application
            • Community Alternative Care Waiver
            • Community Access for Disability Inclusion Waiver
            • Developmental Disabilities Waiver
            • Brain Injury Waiver
            • MA-Waiver Services, Working, and Other Programs
            • Example
            • FAQs
            • Pitfalls
            • Next Steps

            Try It

              MA-Waiver Programs

              Brain Injury (BI) Waiver

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              The BI Waiver program provides services to people with a brain injury.

              As with all other MA-Waiver programs, you must meet the eligibility outlined here to qualify for the BI Waiver program. In addition:

              • You must have a diagnosed brain injury or related condition that results in significant cognitive and behavioral impairment
              • You must need a higher level of service than is available through any other MA-Waiver program
              • You must be able to function well enough to participate in rehabilitation activities, and
              • A MnCHOICES assessment must determine that you need the level of care normally provided in a nursing facility or neurobehavioral hospital

              Services

              More than 1,000 people receive BI Waiver services each year. BI Waiver enrollees have access to all services covered under Medical Assistance (MA), as well as numerous additional services.

              Additional services covered under the BI Waiver:
              • Adult day care
              • Assisted living services
              • Behavioral support
              • Case management services
              • Companion services
              • Consumer-directed community supports (CDCS)
              • Cognitive rehabilitation therapy
              • Employment services, including work Exploration, Development, and Support
              • Extended home health aide and nursing services
              • Extended home health therapies
              • Extended Personal Care Assistant (PCA) services
              • Extended transportation services
              • Family counseling and training
              • Foster care
              • Home delivered meals
              • Homemaker services
              • Independent Living Skills
              • Job training services
              • Mental health testing
              • Modifications to home or vehicle
              • Night supervision services
              • Residential care services
              • Respite care
              • Specialized supplies and equipment
              • Structured day program services
              • Transition services

              If you have any questions about the BI Waiver program, Chat with a Hub expert.

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              Learn more

              Disability-Based MA

              For people with disabilities who have low income.

              MA-EPD

              For people with disabilities who work. No income limit.

              Job Supports and Accommodations

              Learn about reasonable accommodations and programs that help make work possible.

              MA-Waiver ProgramsMA-Waiver Services, Working, and Other Programs
              OpenClose
              The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

              MA-Waiver Programs

              • The Basics
              • Eligibility and Application
              • Community Alternative Care Waiver
              • Community Access for Disability Inclusion Waiver
              • Developmental Disabilities Waiver
              • Brain Injury Waiver
              • MA-Waiver Services, Working, and Other Programs
              • Example
              • FAQs
              • Pitfalls
              • Next Steps

              Try It

                MA-Waiver Programs

                MA-Waiver Services, Working, and Other Programs

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                Working and MA-Waiver Programs

                One of the keys to keeping access to MA-Waiver services is to stay eligible for disability-based Medical Assistance (MA) or Medical Assistance for Employed Persons with Disabilities (MA-EPD). If you work and your countable monthly income rises above 100% of the Federal Poverty Guidelines ($1,255 per month for an individual, $1,704 for a family of two), there's a chance you could lose your disability-based MA coverage (and your MA-Waiver services as a result).

                Fortunately, there are ways to keep disability-based MA coverage when your countable monthly income rises above $1,255:

                • You can pay a spenddown to maintain MA coverage
                • If you're working, you can enroll in MA-EPD

                If you’re on MA via SSI's 1619(b) provision, you can actually earn up to $79,483 annually and still maintain access to MA.

                If you have questions about working and keeping eligibility for MA or a MA-Waiver program, Chat with a Hub expert.

                Note: Many people who get MA get it because they have low income, not because they have a disability determination. You have to get MA based on your disability in order to qualify for MA-Waivers programs.

                Employment Services

                You can get help exploring work options, finding a job, and keeping a job in the community through your MA-Waiver program:

                • Exploration services (such as hands-on work experience) can help you learn about different jobs and make your own decisions about working in the community,
                • Development services can help you find the right job or get started with self-employment,
                • Support services (such as job coaching) can help you keep your job in the community.

                The exact services you get depend on your needs. Talk to your waiver case manager about the employment services that are right for you.

                The Minnesota Department of Human Services (DHS) has a brochure introducing these waiver services.

                For more information about MA-Waiver services, Chat with a Hub expert.

                MA-Waiver Services and Other Disability Benefit Programs

                Many people with disabilities are on more than one disability benefit program at the same time. For example, many people who get Supplemental Security Income (SSI) are also on Medical Assistance (MA). Many people who get Social Security Disability Insurance (SSDI) benefits are also on Medicare.

                There are no laws that prevent you from getting services from a MA-Waiver program and other disability benefit programs at the same time. Changes in your Medicare, Minnesota Supplemental Aid (MSA), or Supplemental Nutrition Assistance Program (SNAP) benefits, for example, will not affect your eligibility for a MA-Waiver program unless those changes affect your eligibility for MA or MA-EPD. If you lose your disability-based MA or MA-EPD, you will lose your MA-Waiver services.

                As soon as something impacts your eligibility for disability-based MA or MA-EPD though, it can affect your eligibility for MA-Waiver services. If you lose your disability-based MA or MA-EPD coverage, you will also lose your MA-Waiver services.

                Bearing that in mind, here are some things that could affect your eligibility for MA and MA-EPD:

                • Losing your SSI or MSA: If you’re on SSI or MSA, you will qualify for disability-based MA if you apply for it. If you lose your SSI or MSA though, you may lose your MA coverage as well (and your MA-Waiver services, by extension)
                • An Increase in Assets: If your assets suddenly go up, you may lose your disability-based MA and MA-Waiver coverage
                • Medical Redetermination: If Social Security or the State Medical Review Team (SMRT) determines that you are no longer disabled, you would lose your disability-based MA and MA-Waiver coverage. This is known as medical redetermination.

                If you have any questions about how to keep your MA-Waiver coverage, Chat with a Hub expert.

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                Learn more

                Disability-Based MA

                For people with disabilities who have low income.

                MA-EPD

                For people with disabilities who work. No income limit.

                Job Supports and Accommodations

                Learn about reasonable accommodations and programs that help make work possible.

                MA-Waiver ProgramsExample
                OpenClose
                The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

                MA-Waiver Programs

                • The Basics
                • Eligibility and Application
                • Community Alternative Care Waiver
                • Community Access for Disability Inclusion Waiver
                • Developmental Disabilities Waiver
                • Brain Injury Waiver
                • MA-Waiver Services, Working, and Other Programs
                • Example
                • FAQs
                • Pitfalls
                • Next Steps

                Try It

                  MA-Waiver Programs

                  Example

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                  Eric's Story

                  Eric has multiple sclerosis. He’s been living on his own for most of his adult life and has always valued his independence. In recent months, Eric’s health has worsened. He has a hard time cooking for himself and the nursing services he receives under his Medical Assistance (MA) plan are not extensive enough to meet his needs. He’s also having a hard time with daily tasks like bathing and cleaning his apartment.

                  Several friends have recommended he consider moving into a nursing facility, but Eric does not want to do that. He starts searching the Internet to see if he can come up with an alternative. That’s when he read about Minnesota’s MA-Waiver programs. MA-Waiver programs are available to certain MA and Medical Assistance for Employed Persons with Disabilities (MA-EPD) enrollees, and are designed to help people live in the community rather than in an institution.

                  “This is good,” Eric thinks to himself. “I may be on to something here.”

                  Eric's Options

                  The CADI Waiver provides services for people who want to live in the community who would otherwise have to live in a nursing facility.

                  Eric reads up on several different MA-Waiver programs. There’s one that serves people with traumatic brain injuries (the BI Waiver) and another that serves people with developmental disabilities (the DD Waiver). Those aren’t for him. Then he starts reading about the Community Access for Disability Inclusion (CADI) Waiver. It provides services for people who want to live in the community who would otherwise have to live in a nursing facility. And it provides all the services he needs including extended nursing services, homemaker services, home delivered meals, and assisted living services.

                  The Application Process

                  Eric goes down to his county or tribal human services office the next morning to get more information on MA-Waiver programs and to apply. In addition to filling out an application, he schedules a MnCHOICES assessment for two weeks later, where he'll be screened for MA-Waiver programs.

                  When Eric returns for his screening, he meets with John, a social worker, and Kimberly, a public health nurse. Together, the two handle the assessment. John and Kimberly ask Eric a series of questions to help assess whether he can live safely in the community, with the support of MA-Waiver services, rather than in a nursing facility. They also ask him questions to determine what types of MA-Waiver services he’d need.

                  Ultimately, Eric is approved for the CADI program. He is ecstatic. He and a social worker draft an individual plan of care that outlines the CADI Waiver services Eric will need. Then they review the things Eric will need to do to retain his MA-Waiver services.

                  First and foremost, he must retain his disability-based eligibility for MA. Without MA, he can’t receive MA-Waiver services. This means Eric needs to keep his assets below the disability-based MA asset limit ($3,000). Further, he needs to keep his countable monthly income below 100% of the Federal Poverty Guidelines ($1,255). There are actually ways he could earn more money and keep his MA, but the social worker doesn’t want to get into that with Eric at the moment. If his income increases, Eric will Chat with a Hub expert about how he can keep his MA coverage.

                  Eric also needs to be sure and stay of top of things. This means filling out renewal forms on time, participating in any assessments that are requested, and following any guidelines laid out in his individual plan of care.

                  Eric is thrilled. He’s going to be able to stay in his community and continue to live independently with the supports he needs. The CADI Waiver program is an ideal fit for Eric.

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                  Learn more

                  Disability-Based MA

                  For people with disabilities who have low income.

                  MA-EPD

                  For people with disabilities who work. No income limit.

                  Job Supports and Accommodations

                  Learn about reasonable accommodations and programs that help make work possible.

                  MA-Waiver ProgramsFAQs
                  OpenClose
                  The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

                  MA-Waiver Programs

                  • The Basics
                  • Eligibility and Application
                  • Community Alternative Care Waiver
                  • Community Access for Disability Inclusion Waiver
                  • Developmental Disabilities Waiver
                  • Brain Injury Waiver
                  • MA-Waiver Services, Working, and Other Programs
                  • Example
                  • FAQs
                  • Pitfalls
                  • Next Steps

                  Try It

                    MA-Waiver Programs

                    Frequently Asked Questions

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                    What are MA-Waiver programs?OpenClose

                    Minnesota's MA-Waiver programs provide additional services beyond those offered under Medical Assistance (MA) or Medical Assistance for Employed Persons with Disabilities (MA-EPD) to help people with disabilities live in their community rather than in an institution.

                    How many different MA-Waiver programs are there?OpenClose

                    There are five different MA-Waiver programs in Minnesota, four of which serve people with disabilities who are under 65.

                    What are the names of the MA-Waiver programs that serve people with disabilities?OpenClose

                    The MA-Waiver programs that serve people with disabilities are the:

                    • Community Alternative Care (CAC) Waiver
                    • Community Access for Disability Inclusion (CADI) Waiver
                    • Developmental Disabilities (DD) Waiver
                    • Brain Injury (BI) Waiver

                    Do I have to be on Medical Assistance (MA) to qualify for a MA-Waiver program?OpenClose

                    Yes. You must be enrolled in some form of disability-based MA to qualify for MA-Waiver services. This includes Medical Assistance for Employed Persons with Disabilities (MA-EPD).

                    Note: Many people get income-based MA, not disability-based MA. If you get MA and are not sure whether it is based on your disability, Chat with a Hub expert to check or contact your local county or tribal human services office.

                    Does everyone on Medical Assistance (MA) qualify for a MA-Waiver program?OpenClose

                    No. You may only qualify for a MA-Waiver program if you have disability-based MA. Many people get income-based MA, not disability-based MA, and those people cannot apply for MA-Waiver programs. If you get MA and are not sure whether it is based on your disability, Chat with a Hub expert to check or contact your local county or tribal human services office.

                    Even if you get disability-based MA, that does not mean you will qualify for a MA-Waiver program. There are specific eligibility criteria for each MA-Waiver program. Being on disability-based Medical Assistance (MA) or Medical Assistance Employment for Persons with Disabilities (MA-EPD) is just one of those criteria.

                    When should I apply for MA-Waiver services?OpenClose

                    If you’re interested in a particular MA-Waiver program, you should apply as soon as you think you meet the eligibility criteria. The number of people who can enroll in these programs varies from year to year and there may be a waiting list for the program you’re interested in.

                    How do I apply for a MA-Waiver program?OpenClose

                    You can apply for any MA-Waiver program at your county or tribal human services office.

                    If you are not already on some form of disability-based Medical Assistance (MA), you will need to apply for disability-based MA (or MA-EPD) in addition to the MA-Waiver program you're interested in.

                    While you’re at the county human services agency, you will need to schedule a MnCHOICES assessment.

                    Note: You may only qualify for a MA-Waiver program if you have MA due to your disability. Many people get MA get it because they have low income, not because they have a disability determination. If you get MA and are not sure whether you get it due to your disability, Chat with a Hub expert to check or contact your local county or tribal human services office.

                    Do I need a disability determination to qualify for a MA-Waiver program?OpenClose

                    Yes. You must be determined disabled by Social Security or the State Medical Review Team (SMRT) to qualify for one of the four MA-Waiver programs that serve people with disabilities.

                    The one exception is the Developmental Disabilities (DD) Waiver. If you’re applying for the DD Waiver, you only need a documented diagnosis of developmental disability (determined during your MnCHOICES assessment).

                    What is a MnCHOICES assessment?OpenClose

                    A MnCHOICES assessment is a review of your situation to see what long-term care programs and services are best for you. A MnCHOICES assessment may include reviews of:

                    • Long-term care needs
                    • Personal care assistance options, and
                    • Developmental disability screening.

                    This can help you figure out what services and programs might help you live in the community, including MA-Waiver programs, Medical Assistance (MA), personal care assistance (PCA) services, or other benefits. Even if you are not eligible for public benefits, the assessment can help you understand what services, accommodations, and resources exist.

                    All MA-Waiver applicants must go through a MnCHOICES assessment before they can qualify for a MA-Waiver program.

                    Note: Long-Term Care Consultations (LTCCs) used to help people in a similar way. MnCHOICES assessments are replacing the LTCC throughout Minnesota.

                    What is the Community Alternatives Care (CAC) Waiver?OpenClose

                    The Community Alternative Care (CAC) Waiver serves people with disabilities who need the level of care normally provided in a hospital. Services can range from home nursing services to extended nutritional therapies to modification of a home or car. Click here for a listing of services provided under the CAC Waiver.

                    What is the Community Access for Disability Inclusion (CADI) Waiver?OpenClose

                    The Community Access for Disability Inclusion (CADI) Waiver provides services that help adults and children with disabilities live in the community rather than in a nursing facility. CADI Waiver services are wide-ranging and include services such as adult day care, homemaker services, independent living services, and home delivered meals. Click here for a listing of services provided under the CADI Waiver.

                    What is the Developmental Disabilities (DD) Waiver?OpenClose

                    The Developmental Disabilties (DD) Waiver helps people with developmental disabilities live in the community rather in an Intermediate care facility for persons with developmental disabilities (ICF/DD). To qualify for the DD Waiver, you must go through a MnCHOICES assessment and be determined to have a developmental disability. Click here for a listing of services provided under the DD Waiver.

                    What is the Brain Injury (BI) Waiver?OpenClose

                    The Brain Injury (BI) Waiver provides home and community based programs to people with a brain injury. BI Waiver enrollees must be able to function well enough to participate in their rehabilitation and they must require greater levels of service than can be attained through other Waiver programs. Click here for a listing of services provided under the BI Waiver.

                    Are there income and asset limits for MA-Waiver programs?OpenClose

                    There are no income or asset limits for MA-Waiver programs, but you must stay eligible for disability-based Medical Assistance (MA) or Medical Assistance for Employed Persons with Disabilities (MA-EPD) to keep your waiver eligibility.

                    Note: MA-EPD does not have income or asset limits, so if you work and are eligible for MA-EPD and an MA-Waiver, you can keep your MA-Waiver services.

                    Read DB101’s articles on disability-based MA and MA-EPD for more information.

                    Do MA-Waiver programs provide assistance when attempting to go to work?OpenClose

                    Yes, you can get help exploring work options, finding a job, and keeping a job in the community through your MA-Waiver program:

                    • Exploration services (such as hands-on work experience) can help you learn about different jobs and make your own decisions about working in the community,
                    • Development services can help you find the right job or get started with self-employment,
                    • Support services (such as job coaching) can help you keep your job in the community.

                    The exact services you get depend on your needs. Talk to your waiver case manager about the employment services that are right for you.

                    The Minnesota Department of Human Services (DHS) has a brochure introducing these waiver services.

                    For more information about MA-Waiver services, Chat with a Hub expert.

                    Where can I find additional information on MA-Waiver programs?OpenClose

                    For additional information on MA-Waiver programs, contact your county or tribal human services office or Chat with a Hub expert.

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                    Learn more

                    Disability-Based MA

                    For people with disabilities who have low income.

                    MA-EPD

                    For people with disabilities who work. No income limit.

                    Job Supports and Accommodations

                    Learn about reasonable accommodations and programs that help make work possible.

                    MA-Waiver ProgramsPitfalls
                    OpenClose
                    The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

                    MA-Waiver Programs

                    • The Basics
                    • Eligibility and Application
                    • Community Alternative Care Waiver
                    • Community Access for Disability Inclusion Waiver
                    • Developmental Disabilities Waiver
                    • Brain Injury Waiver
                    • MA-Waiver Services, Working, and Other Programs
                    • Example
                    • FAQs
                    • Pitfalls
                    • Next Steps

                    Try It

                      MA-Waiver Programs

                      Common Pitfalls

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                      Losing eligibility for MA or MA-EPD

                      MA-Waiver programs are only available to people enrolled in disability-based Medical Assistance (MA) or Medical Assistance for Employed Persons with Disabilities (MA-EPD).

                      Note: Many people who get MA get it because they have low income, not because they have a disability determination. If you get MA and are not sure whether you get it due to your disability, Chat with a Hub expert to check or contact your local county or tribal human services office.

                      If you’re not on disability-based MA or MA-EPD, you can’t enroll in a MA-Waiver program.

                      There are a number of things that could lead to a loss of disability-based MA or MA-EPD coverage, including medical redetermination or an increase in assets. If you’re on a MA-Waiver program, make sure you understand the MA and MA-EPD eligibility rules so that you don’t inadvertently lose access to your MA-Waiver services.

                      Not researching program availability

                      The number of slots available for each MA-Waiver program varies from year to year. In some cases, there may be a waiting list for the program you wish to enroll in.

                      If you think you’re eligible for a MA-Waiver program and you need the services it offers, contact your county or tribal human services office to begin the application process. You can check with your human services agency at the beginning of the year to find out how many slots are available for the program you’re interested in.

                      Not documenting your medical condition clearly

                      The more specifically you document your medical condition, the easier it will be to support your application if you apply for disability benefits. Keep track of medical appointments and write about your symptoms in a daily journal. If you can't write in a journal yourself, ask a friend or relative to do so.

                      Not asking enough questions or staying on top of paperwork

                      Fill out and return all renewal forms and any other paperwork related to your health coverage on time. Be sure to participate in annual medical and other assessments. Ask questions and learn how changes in income may affect your eligibility for health care coverage and disability benefit programs. Chat with a Hub expert if you have questions.

                      Misinformation

                      It can be difficult to find accurate and complete information about public benefits programs. Some social workers and advocates may have limited knowledge of available options. They may also be unaware of how changes in income or employment can affect eligibility for such programs.

                      To be sure the information you receive is accurate and complete, Chat with a Hub expert or contact your county or tribal human services office.

                      LikeTweetPrintEmailGive feedback
                      Add to favoritesAdd to favorites
                      Add to favoritesAdd to favoritesAdd to favoritesOne of my favoritesOne of my favorites
                      • Previous
                      • Next

                      Learn more

                      Disability-Based MA

                      For people with disabilities who have low income.

                      MA-EPD

                      For people with disabilities who work. No income limit.

                      Job Supports and Accommodations

                      Learn about reasonable accommodations and programs that help make work possible.

                      MA-Waiver ProgramsNext Steps
                      OpenClose
                      The BasicsEligibility and ApplicationCommunity Alternative Care WaiverCommunity Access for Disability Inclusion WaiverDevelopmental Disabilities WaiverBrain Injury WaiverMA-Waiver Services, Working, and Other ProgramsExampleFAQsPitfallsNext Steps

                      MA-Waiver Programs

                      • The Basics
                      • Eligibility and Application
                      • Community Alternative Care Waiver
                      • Community Access for Disability Inclusion Waiver
                      • Developmental Disabilities Waiver
                      • Brain Injury Waiver
                      • MA-Waiver Services, Working, and Other Programs
                      • Example
                      • FAQs
                      • Pitfalls
                      • Next Steps

                      Try It

                        MA-Waiver Programs

                        Next Steps

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                        Learn more about MA-EPD

                        Minnesota Department of Human Services

                        To learn more about MA-EPD:

                        • Visit your local county or tribal human services office.
                        • If you have a disability, Chat with a Hub expert to learn if you have additional MA options.
                        • Visit the Minnesota Department of Human Services (DHS) website for general information on Minnesota health care programs.
                        • Minnesota has detailed information about the changes happening with health care reform.

                        Apply for a MA-Waiver Program

                        To apply for a MA-Waiver program, you need to:

                        • Visit your county or tribal human services office and fill out a Minnesota Health Care Programs Application Form (HCAPP), and
                        • Schedule a MnCHOICES assessment with your county or tribal human services office.. The assessment must confirm that you need the level of care team provided under a particular MA-Waiver program before you can enroll in it.

                        Remember that you must be on disability-based Medical Assistance (MA) or Medical Assistance for Employed Persons with Disabilities (MA-EPD) to qualify for a MA-Waiver program.

                        If you’re not on MA due to your disability or on MA-EPD, you will need to apply for one of those two programs, as well as the MA-Waiver program you're interested in, at your county or tribal human services office. To do so, you will need to complete a MHCP Long-Term Care and Waiver Services Application and any other paperwork that is required, and schedule a MnCHOICES assessment.

                        Learn About Work and Benefits - Chat with a Hub expert!

                        When you have questions or need help, use Chat with a Hub expert. This feature connects you to a DB101 Expert using live chat, phone, or secure email. Anything you talk about is private.

                        Chat with a Hub expert to:

                        • Understand your current benefits
                        • Get help using DB101.org
                        • Connect to resources
                        • Plan next steps

                        Free Legal Help

                        Minnesota Disability Law CenterThe Minnesota Disability Law Center (MDLC) provides free assistance to people with civil legal issues related to their disability. Call the MDLC Intake Line at 1-612-334-5970 (Twin Cities metro area), 1-800-292-4150 (Greater Minnesota), or 1-612-332-4668 (TTY).

                        Find Local Services

                        You can use MinnesotaHelp.info to find social services near you, from benefits applications to job counseling.

                        MinnesotaHelp.info

                        Try these searches:

                        • MA Waiver Programs
                        • Attendant Services for People with Physical Disabilities
                        • Home Nursing
                        • Home Health Aide Services
                        • Benefits Counseling and Screening
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                        Add to favoritesAdd to favorites
                        Add to favoritesAdd to favoritesAdd to favoritesOne of my favoritesOne of my favorites
                        • Previous

                        Learn more

                        Disability-Based MA

                        For people with disabilities who have low income.

                        MA-EPD

                        For people with disabilities who work. No income limit.

                        Job Supports and Accommodations

                        Learn about reasonable accommodations and programs that help make work possible.