B&C Home Services
​Caring for Loved Ones at Home:
Understanding Structured Family Caregiving in Indiana
When an elderly parent or loved one needs daily support, most families want to provide that
care at home. The challenge, of course, is that caregiving takes time, energy, and often
means giving up other work opportunities.
That’s where Structured Family Caregiving (SFC) comes in.
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SFC is a program available through Indiana’s Medicaid waiver system that allows family
members or close friends to be paid caregivers for their loved ones—while keeping them
in a safe and familiar home environment.
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What Exactly Is Structured Family Caregiving?
Structured Family Caregiving is designed for people who need ongoing help with daily living—things like bathing, dressing, eating, or moving around. Instead of moving into a nursing facility, the person can remain at home, cared for by someone they trust.
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Here’s the key difference: unlike traditional home health services, SFC is built around family caregivers. The program recognizes the value of the work family members do every day and provides a daily stipend, training, and support to make caregiving sustainable.
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How It Works
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Live-In Requirement
The caregiver must live in the same home as the person needing care. This ensures round-the-clock availability and consistency.
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Daily Support
Caregivers help with “activities of daily living” (ADLs) such as:-
Bathing, dressing, and grooming
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Preparing meals and feeding
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Mobility and transfers
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Medication reminders
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General supervision and companionship
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Payment Structure
Instead of hourly pay, caregivers receive a daily rate from B&C Home Services. The amount depends on the level of care required—higher needs equal higher stipends.
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Training and Coaching
Caregivers aren’t left on their own. They get coaching, regular check-ins from a nurse or trained caregiver coach, and respite care so they can take needed breaks.
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Who Qualifies?
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The Care Recipient must qualify for Medicaid in Indiana and meet the level of care requirements for a nursing facility. They also need to be enrolled in an eligible waiver program such as the Health & Wellness Waiver, PathWays for Aging Waiver, or the Traumatic Brain Injury Waiver.
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The Caregiver must be 18 or older, live in the same home, and pass background checks. They don’t have to be a professional caregiver—just someone committed to providing consistent, daily care.
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Why Families Choose SFC
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Keeps loved ones at home instead of in a nursing facility.
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Provides financial support for family members who often sacrifice income to give care.
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Offers training and respite, preventing caregiver burnout.
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Promotes dignity and independence, allowing seniors to age in familiar surroundings.
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Important Things to Keep in Mind
While SFC is an incredible program, it isn’t the right fit for every situation. If a loved one requires medical care that only a nurse can provide, additional home health services may still be needed. And because SFC is tied to Medicaid eligibility, not every
family will qualify.
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Final Thoughts
Structured Family Caregiving is about more than money—it’s about recognizing the essential
role families play in long-term care. By offering financial support, training, and respite,
Indiana’s SFC program helps families keep their loved ones close, safe,
and cared for at home.
For families navigating tough choices about elder care, SFC can provide a bridge between
love and livelihood.
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If this is something you or someone you love would benefit from, please e-mail us at
Our staff is here to answer any of your questions!
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