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What is an Elderly Waiver?

Answers by Jen Peters, Outreach and Sales Director, The Sanctuary at St. Cloud. Jen helps individuals determine if they are eligible for Elderly Waiver services and explains how these services can assist them in paying for room and board, activities of daily living, and more.


Jen Peters, Outreach and Sales Director, The Sanctuary at St. Cloud. Contributed photo

What is an Elderly Waiver and can it help me? 


The Elderly Waiver (EW) program provides home and community-based services for people who need the level of care usually provided in a nursing home but who choose to live in the community including senior living communities. A person must qualify for Medical Assistance to be eligible for Elderly Waiver services.


What does the Elderly Waiver pay for? 


The Elderly Waiver pays for medication management, skilled nursing services, personal cares, safety checks and more. 


How do I know if I am eligible for the Elderly Waiver program? 

You are eligible for the Elderly Waiver if you are age 65 or older, meet the level of care requirements, and if your income and assets are within the limits for Medical Assistance for Long-Term Care Services.


What are the level of care requirements? 


Elderly Waiver covers home and community-based services for people who need the level of care usually provided in a nursing home but who choose to live in the community, which can include assisted living and memory care.


What is the income limit for eligibility? 


The limit is based on the federal poverty guidelines and depends on your family size. If your income is below the limit, you meet the income requirement for the Elderly Waiver. If your income exceeds this limit, you may become eligible by paying either a spend down or waiver obligation. These payments are calculated differently depending on your marital status, income, and living arrangement.


What is the asset limit? 


Although there are a few exceptions like owning a vehicle, the overall asset limit to qualify for the Waiver is $3,000. If your assets exceed this limit, you can reduce your assets to become eligible. Talk to your financial worker for more information.


Do all Assisted Livings and Memory Cares accept Elderly Waiver?


No, not all assisted living facilities accept Elderly Waiver. The Sanctuary at St. Cloud is one of the few communities in the State of Minnesota that only accepts Elderly Waiver. Jen Peters has been the Outreach and Sales Director at The Sanctuary for the past 5+ years. Her passion for helping seniors live their lives to the fullest motivates her each and every day.

This article includes information from DHS Elderly Waiver Services in Assisted Living booklet DHS-7935-ENG.


The Sanctuary 


The Sanctuary at St. Cloud accepts Elderly Waiver for both assisted living and memory care. Jen Peters, the sales and marketing expert at The Sanctuary at St. Cloud, can assist individuals with helping to determine how Elderly Waiver may be able to assist them to pay for room and board, activities of daily living, etc. She can help guide people through the process of evaluating Elderly Waiver eligibility and applying for the Waiver and its services.

Call Jen Peters, Outreach and Sales Director, at 320-534-0665 for more information.


In addition to Jen Peters, other resources to determine if you qualify for Elderly Waiver Services can be found through your county health, tribal nation, or human services financial worker or by calling The Senior LinkAge Line® 1-800-333-2433. 


“Ask the Expert” is sponsored content (paid advertising) provided by The Sanctuary at

St. Cloud. To learn how your business can promote its products and services like this, contact Sr. Perspective at 320-334-3344.

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