Minnesota Waiver Programs
CADI, DD, BI, and CAC Explained
What are Waiver Programs?
Minnesota's waiver programs are federally-funded Medicaid programs that provide home and community-based services to people who would otherwise need institutional care. These programs "waive" certain Medicaid rules to allow services to be provided in home and community settings instead of nursing homes or other institutions.
The goal of waiver programs is to help people live as independently as possible in their own homes and communities while receiving the support services they need. Minnesota operates four main waiver programs, each designed for specific populations and needs.
Key Principle: Waiver programs prioritize person-centered planning, allowing individuals to have choice and control over their services and supports.
CADI Waiver
Community Access for Disability Inclusion
The CADI waiver serves adults with physical disabilities, chronic illnesses, or age-related conditions who need assistance with daily activities to remain safely in their homes.
Eligibility Requirements
- Age 18 or older
- Physical disability or chronic illness
- Need assistance with daily activities
- Meet financial eligibility requirements
- Require level of care provided in nursing facility
Available Services
- Individualized Home Supports
- Personal Care Assistance
- Homemaker Services
- Adult Day Services
- Respite Care
Current Enrollment: 9,500+ enrolled
DD Waiver
Developmental Disabilities Waiver
The DD waiver provides services to individuals with developmental disabilities who need ongoing support to live and work in their communities.
Eligibility Requirements
- Developmental disability before age 22
- Substantial functional limitations
- Need for lifelong support
- Meet financial eligibility requirements
- Require ICF/DD level of care
Available Services
- Individualized Home Supports
- Community Residential Services
- Day Training & Habilitation
- Supported Employment
- Respite Care
Current Enrollment: 14,000+ enrolled
BI Waiver
Brain Injury Waiver
The BI waiver serves adults with acquired brain injuries who need rehabilitation services and ongoing support to maximize their independence.
Eligibility Requirements
- Age 18 or older
- Acquired brain injury
- Cognitive or physical impairments
- Meet financial eligibility requirements
- Require nursing facility level of care
Available Services
- Individualized Home Supports
- Adult Rehabilitative Mental Health
- Behavioral Support Services
- Day Training & Habilitation
- Respite Care
Current Enrollment: 2,500+ enrolled
CAC Waiver
Community Alternative Care
The CAC waiver serves elderly adults and adults with disabilities who need long-term care services to avoid nursing home placement.
Eligibility Requirements
- Age 65+ or disabled adults
- Need long-term care services
- At risk of nursing home placement
- Meet financial eligibility requirements
- Require nursing facility level of care
Available Services
- Personal Care Services
- Homemaker Services
- Adult Day Services
- Respite Care
- Home-Delivered Meals
Current Enrollment: 28,000+ enrolled
How to Apply for Waiver Programs
The application process for waiver programs involves several steps and typically requires coordination with multiple agencies:
Apply for Medical Assistance
First, apply for Medical Assistance (Medicaid) through your county or online at MNsure.
Complete Assessment
Complete a comprehensive assessment (MnCHOICES or SIS) to determine eligibility and level of need.
Submit Waiver Application
Work with your county social worker to submit the appropriate waiver application.
Wait for Approval
Wait for approval decision, which typically takes 60-90 days from complete application.
Develop Support Plan
Once approved, work with your case manager to develop a person-centered support plan.
Services Comparison Across Waivers
While each waiver program serves different populations, there is some overlap in available services:
| Service | CADI | DD | BI | CAC |
|---|---|---|---|---|
| Individualized Home Supports | ✓ | ✓ | ✓ | — |
| Personal Care Services | ✓ | — | — | ✓ |
| Respite Care | ✓ | ✓ | ✓ | ✓ |
| Adult Day Services | ✓ | — | — | ✓ |
| Community Residential Services | — | ✓ | — | — |
Frequently Asked Questions
How long does it take to get approved for a waiver program?
The application process typically takes 60-90 days from submission of a complete application. However, it can take longer if additional documentation is needed or if there are waiting lists for specific programs.
Can someone be on multiple waiver programs at the same time?
No, individuals can only be enrolled in one waiver program at a time. However, they may be able to switch between programs if their needs change and they meet the eligibility requirements for a different waiver.
What happens if someone no longer meets waiver eligibility requirements?
Waiver eligibility is reviewed annually. If someone no longer meets requirements, they may transition to other services or programs. The team works to ensure continuity of care during any transitions.
Are there waiting lists for waiver programs?
Some waiver programs may have waiting lists when enrollment reaches capacity. Priority is typically given based on urgency of need and other factors. Contact your county for current waiting list information.
What is the difference between waiver services and Medical Assistance services?
Waiver services provide additional home and community-based services beyond what regular Medical Assistance covers. Waivers allow people to receive services in their homes and communities instead of institutions.
Need Help Navigating Waiver Programs?
Our experienced team can help you understand which waiver program might be right for your situation and guide you through the application process.