New York Medicaid program

CDPAP New York: Get Paid To Care For A Family Member

CDPAP is the most flexible Medicaid program in the country for family caregivers. A New York Medicaid member can choose almost anyone they trust — an adult child, sibling, friend, or neighbor — to be their paid personal assistant.

What is CDPAP?

The Consumer Directed Personal Assistance Program (CDPAP) is a New York State Medicaid program that allows people who need help with activities of daily living to hire, train, and direct their own personal assistant — including most family members and friends. Unlike traditional home care, where an agency assigns you an aide, CDPAP puts the Medicaid consumer (or their designated representative) in charge.

CDPAP was created on the principle of "consumer direction" — the idea that the person receiving care knows best who should provide it. That is why no formal home health or nursing certification is required. An adult child who has been quietly providing care for years can finally be paid for that work, as long as the consumer is Medicaid-eligible and meets the level-of-care requirements.

In 2024 and 2025, New York consolidated CDPAP under a single statewide Fiscal Intermediary to streamline administration. The Fiscal Intermediary is the entity that processes payroll, withholds taxes, manages benefits, and handles compliance — but it does not choose your aide, set their schedule, or supervise care. Those decisions stay with the consumer.

CDPAP is funded by New York Medicaid and authorized through your Managed Long-Term Care (MLTC) plan or local Department of Social Services. The hours you are approved for are based on a nurse assessment of the consumer's needs.

CDPAP eligibility requirements

To enroll in CDPAP, the person receiving care must meet New York Medicaid eligibility rules and demonstrate a need for help with activities of daily living. The caregiver themselves does not need to meet income or asset limits — only the consumer does.

New York Medicaid enrollment
The person receiving care must be enrolled in New York State Medicaid or be in the process of applying. Community Medicaid (the version that covers home care) is what you need — not just hospital Medicaid.
Need for home care services
A nurse assessment must confirm that the consumer needs help with activities of daily living — bathing, dressing, transferring, toileting, eating — or with skilled tasks that the consumer can self-direct.
Ability to self-direct (or designate a representative)
The consumer must be able to make decisions about their own care, or appoint a designated representative (often a spouse, adult child, or close family member) to do so on their behalf if they cannot.
New York State residency
The consumer must live in New York State. Caregivers can live in New York or in a neighboring state, but care must be provided in the consumer's New York home.
Medicaid income and asset limits
For 2026, Community Medicaid in New York generally allows monthly income up to around $1,800 for an individual (limits change yearly and there are spousal allowances). Excess income above the limit can sometimes be "spent down" or placed in a pooled income trust.
Functional/clinical needs assessment
The Medicaid member must complete the Community Health Assessment (CHA) — usually conducted by a New York Independent Assessor. This determines the hours of care authorized.

Who can — and cannot — be paid through CDPAP

CDPAP is famously flexible about who can be hired. The Medicaid consumer chooses their own personal assistant. However, New York law specifically excludes a few close relationships.

✓ Who CAN be paid
  • Adult children (over 18) of the consumer
  • Siblings, grandchildren, nieces, nephews, aunts, uncles, and in-laws
  • Parents of an adult child (the consumer is 21 or older)
  • Step-relatives and half-siblings
  • Close friends, neighbors, or members of your faith community
  • Other relatives by marriage who are not the spouse
✕ Who CANNOT be paid
  • The consumer's spouse (excluded by New York law since 2011)
  • The consumer's legal guardian
  • A parent of a consumer who is under 21 years old
  • A designated representative who is also acting as the paid aide (one person, one role)

CDPAP pay, hours, and overtime

CDPAP pay rates vary by region and by the Fiscal Intermediary, but New York has steadily raised aide wages over the past few years. The number of authorized hours depends on the consumer's assessed needs and can range from a few hours a week to live-in care.

Hourly pay

In 2026, most CDPAP personal assistants in New York City and surrounding counties earn between $18 and $22 per hour, while upstate regions typically range from $15 to $19 per hour. Pay is set by the Fiscal Intermediary in line with New York Department of Health and minimum wage rules. Aides are W-2 employees, so federal and state taxes are withheld and many qualify for paid sick leave and other benefits.

Hours and scheduling

Hours are authorized based on a nurse assessment. Many consumers receive 20-40 hours per week; those with higher needs may receive 56, 84, or even 24-hour live-in coverage. The consumer can spread these hours across multiple aides — for example, two adult children splitting the week.

Overtime rules

Federal overtime rules apply: aides who work more than 40 hours in a single workweek for one consumer are generally entitled to overtime at 1.5x the hourly rate. The Fiscal Intermediary handles overtime authorization, and many consumers schedule multiple aides specifically to avoid overtime triggers.

How to apply for CDPAP in New York

  1. Confirm the consumer has (or is applying for) New York Community Medicaid. If they are not yet enrolled, apply through your local Department of Social Services or NY State of Health.
  2. Request a Community Health Assessment (CHA) through the New York Independent Assessor (NYIA).
    • Call NYIA to schedule the assessment
    • Be prepared to describe ADL needs (bathing, dressing, transfers, toileting, eating)
    • A nurse will visit (in person or virtually) to evaluate needs
  3. Enroll in a Managed Long-Term Care (MLTC) plan if the consumer is dually eligible for Medicare and Medicaid, or stay in fee-for-service Medicaid otherwise. The MLTC plan or local DSS authorizes the CDPAP hours.
  4. Choose your Fiscal Intermediary. As of 2025, New York is consolidating CDPAP under a single statewide Fiscal Intermediary — check the current state guidance when you apply.
  5. Identify your personal assistant(s) and have them complete onboarding.
    • Federal I-9 employment verification
    • W-4 tax forms
    • Health screening (typically a PPD/tuberculosis test and a basic physical)
    • Direct deposit and benefit elections
  6. Submit timesheets each pay period. The consumer (or designated representative) approves the hours worked; the Fiscal Intermediary processes payroll, usually biweekly.
  7. Reassess annually. CDPAP authorizations are renewed each year through another nurse assessment to confirm continued eligibility and adjust hours if needs have changed.

CDPAP New York frequently asked questions

Can my spouse be paid through CDPAP?

No. Since a 2011 reform of CDPAP, spouses are specifically excluded from being paid personal assistants under this program. The same rule applies to legal guardians. New York lawmakers decided that the spousal relationship is one where unpaid caregiving is legally expected, so CDPAP funds are reserved for other family members or friends. The good news is that almost everyone else can be paid — adult children, siblings, grandchildren, in-laws, nieces, nephews, friends, and neighbors are all eligible. If you specifically need a spouse to be paid for caregiving in New York, look into VA Veteran Directed Care (if the consumer is a veteran), which does allow spouses to be paid in some cases.

How much does CDPAP pay in 2026?

CDPAP pay rates depend on where the consumer lives. In New York City and the surrounding downstate counties (Nassau, Suffolk, Westchester, Rockland), most personal assistants earn $18 to $22 per hour in 2026. Upstate New York rates are typically $15 to $19 per hour. Rates are set in line with New York's regional minimum wage and Department of Health guidance, and they have risen steadily over the past several years. Personal assistants are W-2 employees, so federal and state income taxes, Social Security, and Medicare are withheld from each paycheck. Many also qualify for paid sick leave and other benefits through the Fiscal Intermediary. Live-in arrangements may use a daily rate rather than hourly.

How long does CDPAP approval take?

From start to finish, CDPAP approval typically takes 60 to 120 days. The bottleneck is usually the nurse assessment process through the New York Independent Assessor (NYIA), which can take several weeks to schedule. Once the assessment is done and Medicaid eligibility is confirmed, enrollment in an MLTC plan (if applicable) and onboarding with the Fiscal Intermediary usually takes another 2-4 weeks. If the consumer is not yet enrolled in Community Medicaid, add 30-90 days for that application. You can speed things up by gathering documents in advance: proof of New York residency, identification, Social Security card, proof of income and assets, and any medical records that support the need for home care.

What training is required for a CDPAP caregiver?

This is one of CDPAP's biggest advantages: no formal training, certification, or license is required. You do not need to be a Certified Nursing Assistant (CNA), Home Health Aide (HHA), or any other licensed professional. The consumer (or their designated representative) trains the personal assistant on the specific tasks they need help with. There are some basic onboarding requirements through the Fiscal Intermediary — usually a tuberculosis (PPD) test, a basic health screening, employment paperwork (I-9, W-4), and signing off on training materials about reporting hours and recognizing abuse or neglect. But there is no clinical exam or skills test. This makes CDPAP especially welcoming to family members who have been informally caregiving for years and want to be paid for that work.

Can I live with the person I care for under CDPAP?

Yes. Many CDPAP aides live with the person they care for, especially adult children caring for aging parents. There is no rule against sharing a household. In fact, "live-in" CDPAP is a common arrangement for consumers who need around-the-clock support. Live-in cases typically pay a daily rate that covers a defined number of awake hours plus an uninterrupted sleep period — the exact structure depends on state guidance and recent court rulings about live-in wage rules. If the consumer needs constant overnight attention (more than a few wake-ups per night), they may be assessed for a 24-hour "split-shift" instead, which uses two aides on overlapping shifts.

Can a CDPAP aide work for more than one consumer?

Yes — many aides work for two or more Medicaid consumers, though each consumer is a separate employment relationship through the Fiscal Intermediary. Overtime rules are calculated per consumer, so an aide working 30 hours a week for their mother and 20 hours a week for a neighbor would not automatically trigger overtime. However, the Fair Labor Standards Act has joint-employer provisions that can apply in some situations, so check with the Fiscal Intermediary if you plan to work for multiple consumers. Many family caregivers in CDPAP do exactly this: cover their own parent during the week and pick up extra hours with a friend's elderly relative on weekends.

What is the difference between CDPAP and home care agencies?

Home care agencies hire and assign their own aides to you — you usually do not get to choose who shows up. The agency supervises the aide, sets the schedule (with input from you), and handles all employment matters. CDPAP flips that model: you (the Medicaid consumer) are the employer. You choose the aide — typically a family member or friend you already know and trust — you train them on your specific needs, you set the schedule, and you can fire them if things are not working out. The Fiscal Intermediary handles payroll and paperwork, but it does not supervise care. For people who want continuity, trust, and control, CDPAP is the gold standard. For people who do not have a family member or friend available, a traditional Medicaid home care agency may be a better fit.

Does CDPAP affect the consumer's other Medicaid benefits?

No. Enrolling in CDPAP does not change the consumer's eligibility for other Medicaid services — they keep their doctor visits, hospital coverage, prescription drug benefits, durable medical equipment, and other services. CDPAP is one specific Medicaid-funded program for personal care, and it sits alongside the rest of the Medicaid benefit package. If the consumer is dually eligible for Medicare and Medicaid, Medicare continues to cover acute care (hospital, doctor visits, short-term skilled home health) and Medicaid covers the long-term personal care through CDPAP. The two programs coordinate but do not interfere with each other.

See also: New York caregiver guide

For all the ways to get paid to care for a family member in New York — including CDPAP, VA programs, long-term care insurance, and more — read the full New York guide.