Salterra at Hanover & Minnesota’s Elderly Waiver Program

May 15, Alissa Sauer

For many older adults and families, the decision to move into assisted living or memory care comes with an important question: How will we pay for long-term care services? Fortunately, Minnesota offers programs that may help eligible seniors receive care in a senior living community rather than a nursing home. One of the most important of these is the Elderly Waiver (EW) program.

At Salterra at Hanover, we understand that navigating care options and financial programs can feel overwhelming. Here’s what families should know about the Minnesota Elderly Waiver Program* and how it may help support assisted living and memory care services.

What Is the Elderly Waiver Program?

The Elderly Waiver (EW) is a Minnesota Medical Assistance program that helps seniors receive long-term care services in a home- or community-based setting rather than a nursing home. The goal is to allow older adults to maintain as much independence, dignity, and quality of life as possible while still receiving the support they need.

EW services may help cover care-related services in:

• Assisted living communities
• Memory care communities
• A private home or apartment

It’s important to note that the Elderly Waiver helps pay for care services, not room and board.

Who Qualifies for the Elderly Waiver?

To qualify for Minnesota’s Elderly Waiver program, individuals must:

• Be 65 years or older
• Be eligible for Medical Assistance (Medicaid)
• Meet a nursing home level of care
• Complete a MnCHOICES assessment
• Require services that can be provided safely in the community for less than the cost of nursing home care

The program also considers income and assets as part of the eligibility process.

What is a MnCHOICES Assessment?

A MnCHOICES assessment is a free evaluation completed by a nurse or social worker to determine the level of care a person needs.

During the assessment, the evaluator may ask about:

• Mobility and physical health
• Memory and cognitive concerns
• Daily activities such as dressing, bathing, and eating
• Medication management
• Social and emotional needs
• Current support systems

This assessment helps determine whether someone qualifies for Elderly Waiver services and what types of support may be appropriate.

What Services Can the Elderly Waiver Help Cover?

EW may help pay for supportive care services such as:

• Assistance with bathing and dressing
• Medication management
• Housekeeping and laundry
• Meals and nutrition support
• Transportation
• Memory care support
• Personal care assistance

For seniors living in assisted living or memory care communities, these services can make a meaningful difference in both safety and quality of life.

How to Apply for the Elderly Waiver Program

The application process typically involves:

1. Completing a MnCHOICES assessment
2. Applying for Medical Assistance for Long-Term Care Services
3. Providing financial documentation
4. Working with a county or care coordinator to determine eligibility

Minnesota families can begin the process through:

• Their county health or human services office
• Calling Minnesota Aging Pathways at 1-800-333-2433
• A care coordinator or healthcare provider

Supporting Families at Salterra at Hanover

Navigating senior care decisions can feel complex, especially when finances and long-term planning are involved. At Salterra at Hanover, we believe families deserve compassionate guidance and clear information every step of the way.

Our assisted living and memory care community is designed to support older adults with personalized care, meaningful connections, and a comfortable environment that feels like home.

To learn more about Minnesota’s Elderly Waiver Program and Salterra at Hanover, contact us today.

*The Elderly Waiver program has significant financial, clinical, and program eligibility requirements, and not all individuals will qualify. In addition, waiver availability may be limited, and not all care settings or areas within a community may be approved to accept Elderly Waiver services. Availability can vary based on county, care needs, funding, and program capacity. Families are encouraged to speak directly with the community and their county or care coordinator to better understand current eligibility and availability.