Caring for a loved one at home can be deeply rewarding—but it can also be emotionally, physically, and financially challenging. In Massachusetts, the Adult Foster Care (AFC) Program—also known as Adult Family Care—offers a unique solution.
The program allows qualified caregivers to live with and assist adults (age 16+) who can no longer live independently, while receiving tax-free compensation and ongoing professional support.
At A Better Life Homecare, we guide families through every step of the AFC process, helping caregivers and loved ones get the support they need.
What Is the Adult Foster Care (AFC) Program?
The Adult Foster Care Program is a MassHealth-funded benefit that provides care in a home environment instead of a nursing home or assisted living facility.
Through AFC, caregivers receive a monthly, tax-free stipend for helping with daily personal care tasks such as:
- Bathing and dressing
- Eating and meal preparation
- Mobility and transferring
- Toileting
- Medication reminders and supervision
Each family also receives the support of a Registered Nurse (RN) and a Case Manager, who provide regular check-ins, training, and ongoing guidance.
Who Qualifies for AFC in Massachusetts?
Members (Person Needing Care)
To qualify for AFC, the person receiving care must:
- Be 16 years or older and live in Massachusetts
- Be eligible for MassHealth Standard or CommonHealth
- Need help with one or more Activities of Daily Living (ADLs)
- Be unable to live alone safely due to medical, cognitive, or physical conditions
- Agree to live with the caregiver in a private home
- Not require 24/7 skilled nursing care
Caregivers
To become an AFC caregiver, you must:
- Be 18 years or older
- Live with the member (or have the member live with you)
- Be able to provide assistance with ADLs or supervision
- Pass background checks and a home safety evaluation
- Complete caregiver training
- Not be the member’s spouse or legal guardian
Many caregivers are adult children, siblings, extended relatives, or trusted family friends.
How Much Do Caregivers Get Paid?
Caregivers in the AFC program receive a monthly, tax-free stipend based on the level of care needed. On average, this can range from $1,500 to $1,600+ per month.
Payments may increase if the member’s care needs become more complex. In addition, the program provides training and ongoing professional support—making caregiving more manageable and sustainable.
Benefits of Adult Foster Care in Massachusetts
For the Person Receiving Care:
- Ability to remain in a home setting, not an institution
- One-on-one support tailored to individual needs
- Oversight by a Registered Nurse and Case Manager
- Dignity, comfort, and familiarity of being with family or trusted caregivers
For the Caregiver:
- Tax-free financial support that helps offset the costs of caregiving
- Ongoing training, support, and resources
- Peace of mind knowing professional oversight is always available
- Stronger family connections while providing safe, structured care
Compared to other programs like the Personal Care Attendant (PCA) program, AFC offers more clinical oversight and a live-in caregiving model, which can be especially helpful for individuals who need 24/7 support.
The AFC Application Process
Here’s how the process works:
- Contact A Better Life Homecare for a free consultation
- Eligibility assessment by a Registered Nurse and Case Manager
- Care plan development tailored to the member’s needs
- Caregiver approval through background checks and training
- Enrollment and stipend payments begin once approved
We’ll guide you every step of the way, from paperwork to training and ongoing support.
Why Choose A Better Life Homecare?
When families choose A Better Life Homecare, they gain more than a provider—they gain a partner.
We offer:
- Deep knowledge of Massachusetts’s AFC program and requirements
- Full assistance with MassHealth applications and eligibility
- A caring, professional team of nurses and case managers
- A person-centered approach focused on dignity, respect, and quality of life
Learn more about our AFC program here:
👉 Adult Foster Care Program in Massachusetts
Frequently Asked Questions
Can I be paid to care for my parent?
Yes, as long as you are not their legal guardian or spouse, you may qualify as a caregiver.
Does the stipend affect my taxes?
No, AFC stipends are tax-free and do not count as taxable income.
What if my loved one’s needs change?
The AFC program adjusts the care plan and stipend if the member’s condition changes.
Does MassHealth pay for housing costs?
No. MassHealth pays for care services, but room and board expenses are separate.
Final Thoughts
The Adult Foster Care Program in Massachusetts is one of the best ways to support families caring for loved ones who cannot live alone. It not only offers financial support for caregivers but also ensures members receive quality care in a safe, home environment.
If you’re ready to explore AFC for your family, A Better Life Homecare is here to help.
📞 Contact us today to learn more about the program and get started with your free consultation.
