Washington Apple Health Personal Care: Can Family Be Paid? (2026)
A family member caring for a parent or relative at home may be paid through Washington Apple Health personal care, which covers help with daily activities and household tasks.
BC
Brevy Care Team
6 min read · Published October 16, 2026 · Last verified October 17, 2026
A family member caring for a parent or relative at home may be paid through Washington Apple Health personal care, which covers help with daily activities and household tasks.Centers for Medicare & Medicaid Services. (n.d.). Washington State Plan Amendment 15-0002: Community First Choice State Plan Option (CMS approval letter and approved SPA pages, effective 7/1/15) — Medicaid.gov. medicaid.gov. Retrieved Sep 29, 2026, from https://www.medicaid.gov/sites/default/files/State-resource-center/Medicaid-State-Plan-Amendments/Downloads/WA/WA-15-0002.pdf,Washington State Department of Social and Health Services. (n.d.). ALTSA Long-Term Care Manual Chapter 7d: COPES. dshs.wa.gov. Retrieved Sep 2, 2026, from https://www.dshs.wa.gov/sites/default/files/ALTSA/hcs/documents/LTCManual/Chapter%207d.pdf,Washington State Department of Social and Health Services. (n.d.). Becoming a Paid Caregiver. dshs.wa.gov. Retrieved Sep 29, 2026, from https://www.dshs.wa.gov/altsa/home-and-community-services/becoming-paid-caregiver Your relative picks their own Individual Provider, who can be a family member employed through Consumer Direct Care Network Washington (CDWA).Washington State Department of Social and Health Services. (2026). HCLA/ALTSA Long-Term Care Manual Chapter 11: Working with the Consumer Directed Employer (CDE), last revised 4/2026 — dshs.wa.gov. dshs.wa.gov. Retrieved Oct 14, 2026, from https://www.dshs.wa.gov/sites/default/files/2026-09/Chapter%2011.pdf Your relative must qualify for Apple Health long-term care, so apply there first.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin - Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Oct 15, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf
Medicaid Personal Care (MPC) serves people in Washington who don't need an institutional level of care but have an unmet or partially met need for personal care, as measured by the CARE assessment. MPC covers household tasks only alongside help with daily activities. A parent who needs regular personal care but not an institutional level of care fits MPC.Washington State Department of Social and Health Services. (n.d.). ALTSA Long-Term Care Manual Chapter 7d: COPES. dshs.wa.gov. Retrieved Sep 2, 2026, from https://www.dshs.wa.gov/sites/default/files/ALTSA/hcs/documents/LTCManual/Chapter%207d.pdf
When DSHS authorizes care through Home and Community Services or an Area Agency on Aging, Washington's CFC and MPC both require the person to be 18 or older and enrolled in categorically needy or alternative benefit plan Apple Health.Centers for Medicare & Medicaid Services. (n.d.). Washington State Plan Amendment 15-0002: Community First Choice State Plan Option (CMS approval letter and approved SPA pages, effective 7/1/15) — Medicaid.gov. medicaid.gov. Retrieved Sep 29, 2026, from https://www.medicaid.gov/sites/default/files/State-resource-center/Medicaid-State-Plan-Amendments/Downloads/WA/WA-15-0002.pdf,Washington State Department of Social and Health Services. (n.d.). ALTSA Long-Term Care Manual Chapter 7d: COPES. dshs.wa.gov. Retrieved Sep 2, 2026, from https://www.dshs.wa.gov/sites/default/files/ALTSA/hcs/documents/LTCManual/Chapter%207d.pdf Someone who isn't financially eligible for those groups but qualifies financially for a home and community based waiver can still get CFC in Washington, as long as they receive at least one waiver service every month.Centers for Medicare & Medicaid Services. (n.d.). Washington State Plan Amendment 15-0002: Community First Choice State Plan Option (CMS approval letter and approved SPA pages, effective 7/1/15) — Medicaid.gov. medicaid.gov. Retrieved Sep 29, 2026, from https://www.medicaid.gov/sites/default/files/State-resource-center/Medicaid-State-Plan-Amendments/Downloads/WA/WA-15-0002.pdf For waiver coverage in 2026, Washington's income limit is $2,982 a month and its asset limit for a single person is $2,000 (full limits).Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin - Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Oct 15, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf Near or over them? Check the full limits before ruling Apple Health out.
Which Family Members Washington Apple Health Personal Care Can Pay
DSHS says family members who care for a relative "can become paid caregivers if the care recipient qualifies for Medicaid Long Term Services and Supports."Washington State Department of Social and Health Services. (n.d.). Becoming a Paid Caregiver. dshs.wa.gov. Retrieved Sep 29, 2026, from https://www.dshs.wa.gov/altsa/home-and-community-services/becoming-paid-caregiver Your relative chooses the Individual Provider, and DSHS's Long-Term Care Manual says "An IP can be a family member."Washington State Department of Social and Health Services. (2026). HCLA/ALTSA Long-Term Care Manual Chapter 11: Working with the Consumer Directed Employer (CDE), last revised 4/2026 — dshs.wa.gov. dshs.wa.gov. Retrieved Oct 14, 2026, from https://www.dshs.wa.gov/sites/default/files/2026-09/Chapter%2011.pdf So the care you already give can become a paid job, as long as your relative qualifies.
Your relationship
Paid as an Individual Provider?
Paid through a home care agency?
Adult child or other relative
Yes
Generally no; exceptions below
Relative who lives with the person
Yes
Generally no; exceptions below
Spouse
No
No
Representative who is also the paid caregiver
Yes; someone else helps plan care
Ask the case manager
State law bars DSHS from paying a home care agency when the client's family member provides the care, with exceptions for a family member older than the client (where federal law permits), case-by-case health and safety approvals or a transition of up to three months, and, within available funds, enrolled tribal members and their households.app.leg.wa.gov. (n.d.). RCW 74.39A.326 — In-home personal care or respite services to family members—Department not authorized to pay—Exceptions — app.leg.wa.gov. Retrieved Oct 14, 2026, from https://app.leg.wa.gov/RCW/default.aspx?cite=74.39A.326,Washington State Department of Social and Health Services. (n.d.). Becoming a Paid Caregiver. dshs.wa.gov. Retrieved Sep 29, 2026, from https://www.dshs.wa.gov/altsa/home-and-community-services/becoming-paid-caregiver
Washington's CFC plan lets a participant appoint a service-planning representative "who is not a paid caregiver"; if no unpaid alternate is available, the case manager may help instead.Centers for Medicare & Medicaid Services. (n.d.). Washington State Plan Amendment 15-0002: Community First Choice State Plan Option (CMS approval letter and approved SPA pages, effective 7/1/15) — Medicaid.gov. medicaid.gov. Retrieved Sep 29, 2026, from https://www.medicaid.gov/sites/default/files/State-resource-center/Medicaid-State-Plan-Amendments/Downloads/WA/WA-15-0002.pdf
You wouldn't be paid by DSHS directly. Consumer Direct Care Network Washington is the legal employer of every Individual Provider and runs payroll, while your relative stays the managing employer who selects, schedules, supervises and can dismiss you.Washington State Department of Social and Health Services. (2026). ALTSA Long-Term Care Manual Chapter 11: Working with the Consumer Directed Employer (CDE) (rev. 4/2026). dshs.wa.gov. Retrieved Sep 3, 2026, from https://www.dshs.wa.gov/sites/default/files/ALTSA/hcs/documents/LTCManual/Chapter%2011.pdf
The CARE assessment sets the maximum number of personal care hours, and those hours can go to a home care agency, an Individual Provider, or both.Washington State Department of Social and Health Services. (2026). HCLA/ALTSA Long-Term Care Manual Chapter 11: Working with the Consumer Directed Employer (CDE), last revised 4/2026 — dshs.wa.gov. dshs.wa.gov. Retrieved Oct 14, 2026, from https://www.dshs.wa.gov/sites/default/files/2026-09/Chapter%2011.pdf Most Washington Individual Providers have a 40-hour work week limit; hours over 40, including required training, are paid as overtime.Washington State Department of Social and Health Services. (2026). HCLA/ALTSA Long-Term Care Manual Chapter 11: Working with the Consumer Directed Employer (CDE), last revised 4/2026 — dshs.wa.gov. dshs.wa.gov. Retrieved Oct 14, 2026, from https://www.dshs.wa.gov/sites/default/files/2026-09/Chapter%2011.pdf So one family member may not cover every assessed hour; an agency or second provider can take the rest.
Typical pay is about $22.95 an hour (estimate based on home care aide wages in Washington, BLS, May 2025). That's a wage estimate for the occupation, not a rate Apple Health pays a family caregiver; ask CDWA for your actual rate.data.bls.gov. (2025). BLS OEWS Profiles, May 2025, 31-1120 Home Health and Personal Care Aides (national estimates). Retrieved Oct 14, 2026, from https://data.bls.gov/oesprofile/?year=2025&major_group=310000&occupation=311120&measure=01&areas=INDUSTRY,STATE,MSA
Under Washington's long-term-care worker training rule, a relative caring only for a family member such as a parent, sibling or grandparent must complete 2 hours of orientation and 3 hours of safety training before providing paid care, then 30 hours of basic training within 120 days of hire. DSHS warns that if training isn't finished on time, payment is terminated.app.leg.wa.gov. (2026). WAC 388-71-0523 — Long-term care worker training and certification requirements (eff. Apr. 25, 2026, WSR 26-08-045). Retrieved Oct 1, 2026, from https://app.leg.wa.gov/wac/default.aspx?cite=388-71-0523 Missing Washington's training deadline stops an Individual Provider's pay, so book the 30 hours of basic training early.
, starting with Washington's required 5 hours of orientation and safety training before your first paid shift.app.leg.wa.gov. (2026). WAC 388-71-0523 — Long-term care worker training and certification requirements (eff. Apr. 25, 2026, WSR 26-08-045). Retrieved Oct 1, 2026, from https://app.leg.wa.gov/wac/default.aspx?cite=388-71-0523
Will my parent's paid hours drop because I live with them?
Not because of your paid help. DSHS adjusts hours for informal supports such as family and housemates, but "will not consider an individual provider to be a source of informal support."Washington State Department of Social and Health Services. (2026). HCLA/ALTSA Long-Term Care Manual Chapter 11: Working with the Consumer Directed Employer (CDE), last revised 4/2026 — dshs.wa.gov. dshs.wa.gov. Retrieved Oct 14, 2026, from https://www.dshs.wa.gov/sites/default/files/2026-09/Chapter%2011.pdf
Can I be paid for caring for both of my parents?
Yes, if each qualifies, but DSHS pays in-home providers only once for the same hour of care, even in a household with two clients.Centers for Medicare & Medicaid Services. (n.d.). Washington State Plan Amendment 15-0002: Community First Choice State Plan Option (CMS approval letter and approved SPA pages, effective 7/1/15) — Medicaid.gov. medicaid.gov. Retrieved Sep 29, 2026, from https://www.medicaid.gov/sites/default/files/State-resource-center/Medicaid-State-Plan-Amendments/Downloads/WA/WA-15-0002.pdf
Will my parent have to pay anything toward the care?
A parent on Washington's CFC alone, living at home, won't have to pay toward the cost of care. On CFC plus a waiver such as COPES, your parent may have to pay toward care, and that payment goes to CDWA, not to you.Centers for Medicare & Medicaid Services. (n.d.). Washington State Plan Amendment 15-0002: Community First Choice State Plan Option (CMS approval letter and approved SPA pages, effective 7/1/15) — Medicaid.gov. medicaid.gov. Retrieved Sep 29, 2026, from https://www.medicaid.gov/sites/default/files/State-resource-center/Medicaid-State-Plan-Amendments/Downloads/WA/WA-15-0002.pdf,Washington State Department of Social and Health Services. (2026). ALTSA Long-Term Care Manual Chapter 11: Working with the Consumer Directed Employer (CDE) (rev. 4/2026). dshs.wa.gov. Retrieved Sep 3, 2026, from https://www.dshs.wa.gov/sites/default/files/ALTSA/hcs/documents/LTCManual/Chapter%2011.pdf
Find personalized help getting paid to care for a relative through Washington Apple Health at brevy.com.
The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.
Still have questions?
Brevy answers from this guide and every other guide here, and can check what you qualify for.
BC
Brevy Care Team
Expert eldercare guidance from Brevy's team of healthcare professionals and researchers.