Family Caregiver Pay Rate in Maryland: Wages, Benefits & Eligibility
Medicaid, Structured Family Caregiving, VA programs, long-term care insurance, and home care agency employment explained below.
MARYLAND CAREGIVING NUMBERS
790K..
Approximately 790,000 Marylanders
are unpaid family caregivers, providing daily care for aging or disabled family members without pay. They assist with medical needs, personal care, and household activities, often while managing their own work and financial obligations.
22%…
About 1 in 5 working adults in Maryland
(around 22%) are caregivers. These individuals balance caring for loved ones with employment, health insurance needs, and family responsibilities. This underscores the importance of strengthening caregiver pay and support in Maryland.
9.3B…
$9.3 billion
is the estimated annual value of unpaid caregiving in Maryland. This figure highlights the significant economic impact and the pressing need for fair compensation, improved caregiver support, and state resources to sustain care at home.
At Paid Care, we help caregivers across Maryland earn income for providing home care to family members. If you support a loved one with hygiene, medication, meals, or activities of daily living, you may qualify for payment through Medicaid waivers, health insurance, or other programs.
This guide explains the main ways Maryland family caregivers can receive a paycheck. It covers who qualifies, typical pay rates, and how Paid Care helps from enrollment to payroll and stipend disbursement.
Average Pay Rates for Family Caregivers in Maryland
General Range: Most family caregivers in Maryland earn between $15 and $20 per hour, depending on the program, the person’s needs, and funding sources.
Statewide Average: The average hourly wage for family caregivers in Maryland is about $17.50.
Metro Areas: In cities like Baltimore, Silver Spring, and Frederick, caregivers may earn closer to $18–$20 per hour, depending on their experience, whether they are a legal guardian, and the level of health care required.
Factors Influencing the Family Caregiver Pay Rate in Maryland
Family caregiver pay rates in Maryland depend on:
The type of funding: Medicaid, Medicaid waiver programs, Medicare, veteran benefits, or private health insurance
The level of care: dementia, chronic disease, mental health, assisted living, or foster care situations
The caregiver’s training, experience, and status as a parent or legal guardian
The cost of living in the city or county
The care recipient’s needs for help with activities of daily living, medication, meal preparation, or supervision
Whether respite care or ongoing care is being provided
Option 1: Get Paid Through Maryland’s Community First Choice (CFC) Family Caregiving Program
What Is It?
The Community First Choice (CFC) Program is a Maryland Medicaid program that pays a family caregiver to provide care at home for a loved one who needs help with daily activities. This program helps families keep loved ones out of nursing homes or assisted living facilities by allowing them to choose a trusted caregiver.
Who Qualifies?
The person receiving care must qualify for Maryland Medicaid, need help with at least two activities of daily living, and choose their caregiver through CFC. Caregivers must be at least 18 years old, complete enrollment forms, and pass a background check. CFC lets care recipients choose almost any adult family member (other than a spouse) as their paid caregiver.
Hourly Pay Rate and Benefits
Pay is provided as a stipend. The family caregiver pay rate in Maryland through CFC generally ranges from $15 to $20 per hour, depending on the Medicaid plan and the level of care needed.
Benefits may include:
Respite care for caregiver relief
Access to caregiver support resources
Reimbursement for travel or mileage in some cases
Help managing health care and medication needs
Payments are sent by direct deposit.
How Paid Care Helps
Paid Care verifies Medicaid eligibility, assists with CFC enrollment, and handles all compliance paperwork. We also help caregivers track their hours, complete required documentation, and get paid quickly through our secure caregiver platform.
Option 2: Earn Income Through VA Caregiver Support in Maryland
What Is It?
If your loved one is a veteran or aging parent in Maryland, you may qualify for Medicaid, Medicare, or other funded caregiver programs. These include the Aid & Attendance benefit for veterans and the Community First Choice (CFC) program through Maryland Medicaid. These programs pay a family caregiver to provide home care for someone who needs help with activities of daily living such as hygiene, meals, or mobility. This support helps reduce total health care and residential care costs by keeping loved ones at home instead of in nursing homes or assisted living facilities.
Who Qualifies?
To receive caregiver compensation, the care recipient must need help with at least two activities of daily living and meet Medicaid, Medicare, or VA eligibility. Most caregivers must live with the recipient, pass a background check, and be at least 18 years old. Proof of relationship (such as parent, relative, or legal guardian) and meeting income and asset limits are often required. The Maryland Department of Health or the VA reviews all qualifications.
Salary, Benefits, and Coverage
The family caregiver pay rate in Maryland varies by program, funding source, and level of care. Most caregivers earn between $15 and $20 per hour.
Benefits may include:
Respite care for relief
Mileage reimbursement
Health care coverage
Some programs also offer tax-free income and support through Medicaid waivers, Medicare, or VA benefits. These options help lower long-term home care, foster care, or residential care expenses.
How Paid Care Helps
Paid Care verifies veteran status and checks Maryland Medicaid, Medicare, or VA eligibility. We handle required documents, schedule nurse assessments, and ensure fast direct-deposit payments. Our platform tracks hours, manages payroll, and provides clear information about stipends, program rules, and available benefits through the Maryland Department of Health and the VA Caregiver Support program.
Option 3: Use Long-Term Care Insurance for Reimbursement in Maryland
What Is It?
Some long-term care insurance policies in Maryland may reimburse a family caregiver for helping a loved one with health care, mental health conditions, dementia, or chronic illness. These plans can lower the cost of home care, support aging in place, and reduce the need for nursing home or assisted living placement.
Who Qualifies?
To qualify, the care recipient must need help with multiple activities of daily living and have a formal care plan, medical diagnosis, and proper records. Some policies require the caregiver to be a parent, legal guardian, or live in the same home as the care recipient. A background check is often required. Policy rules vary based on Maryland law and individual insurance company terms.
Pay Rates and Reimbursement Structure
The family caregiver pay rate in Maryland through private insurance policies can vary. Some plans offer a monthly stipend, while others pay an hourly wage. Pay depends on Maryland minimum wage laws, budget rules, and the terms of the insurance policy. Reimbursement often requires care logs, proof of hours worked, and supporting documentation.
Additional factors that may affect pay include:
Policy coverage limits
Level of care needed
Caregiver’s training and experience
How Paid Care Helps
Paid Care reviews insurance policies, aligns plans with Medicaid or Medicare, and handles all required care paperwork. We manage records, speed up approvals, and set up direct deposit. Our system tracks payroll, logs care hours, and provides clear details on compensation, policy benefits, and caregiver support.
Option 4: Become Employed by a Home Care Agency in Maryland
What Is It?
Some licensed agencies in Maryland can legally employ a family caregiver to provide home care for a loved one. This allows caregivers to earn formal income, receive employee benefits, and gain legal protections while caring for an aging parent or disabled family member. These programs can lower the need for assisted living or nursing home placement and help reduce overall health care costs.
Who Qualifies?
Caregivers must be at least 18 years old, pass a background check, complete training, and help with activities of daily living, such as hygiene, medication, or meal support. The person receiving care must qualify for Maryland Medicaid, Medicare, or a relevant insurance policy. In some cases, the caregiver must be a legal guardian or have written consent. Eligibility and program rules may vary by county and Maryland state law.
Employment, Pay, and Benefits
The family caregiver pay rate in Maryland typically ranges from $15 to $20 per hour, depending on program type, location, and care responsibilities. Wages are reported for tax and payroll purposes.
Benefits may include:
Respite care
Paid sick leave or leave of absence
Health insurance or employee benefits
Mileage reimbursement and expense support
Additional tools may include care management platforms, budget tracking, and support for caregiver mental health.
How Paid Care Helps
Paid Care connects you with Maryland-based agencies that employ family caregivers. We help with applications, verify eligibility, and ensure all employment documentation is correct. We also help with direct deposit, time tracking, and fast, reliable pay. Our platform reduces financial stress and provides clear details on stipends, wages, and benefits.
Additional Information for Maryland Family Caregivers
Care Tasks That Qualify for Pay
Maryland family caregivers may qualify for payment when providing help with tasks such as:
Bathing and hygiene
Mobility support
Medication reminders or distribution
Meal preparation and feeding
Mental health monitoring
Light housekeeping and safety support
Respite care or behavior management
These services support independent living for elderly care patients, help loved ones age in place, and reduce the cost of living by avoiding assisted living or nursing home placement. Many qualifying activities of daily living are covered through Maryland Medicaid (CFC), veteran benefits, managed care plans, or private health care insurance.
Tax, Legal, and Financial Considerations
If you live with the adult you care for, some income may be tax-free. If you are a legal guardian, have power of attorney, or provide consent as a designated caregiver, additional rules may apply. Paid Care explains tax, pension, and overtime considerations so your caregiver pay remains accurate and compliant. We also help address poverty-related barriers to accessibility and ensure you receive fair payment for your role.
Other States With Similar Programs
Paid Care also supports family caregivers in New York, Maryland, North Carolina, Louisiana, Iowa, Arizona, Nevada, and more. Each state has unique consumer protections, Medicaid waivers, and caregiver pay rate rules. We provide feedback and guidance to help you meet program requirements confidently.
Start Getting Paid for Your Care Today
If you’re a caregiver in Maryland, Paid Care can help you turn unpaid elderly care into reliable, tracked income.
We assist families with Maryland Medicaid (CFC), insurance policies, and licensed agencies. From checking eligibility to enrolling, logging hours, and setting up direct deposit, we handle the process. Our team ensures you understand how your role as a caregiver supports mental health, physical therapy needs, dementia care, disease management, and home care accessibility.
Apply today to start receiving payment for the care you provide — with confidence, clear feedback, and expert help in care management, health care documentation, and assisted living alternatives.