NY headline: NHTD and TBI Medicaid waivers cover up to $15,000 in lifetime home modifications for senior homeowners at risk of nursing home placement. Income limit ~$1,742/month, asset $2,000.
Active programs
NHTD (Nursing Home Transition and Diversion) Waiver
For adults 18-64 with disabilities and adults 65+ at risk of nursing home placement.1
Covers:
- Home modifications (grab bars, ramps, walk-in showers, stair lifts)
- Personal care services
- Home delivered meals
- Adult day services
- Care management
Modification cap: $15,000 lifetime, with $5,000-$7,500 annual limits typical.
TBI (Traumatic Brain Injury) Waiver
For adults with traumatic brain injury at risk of facility placement. Similar coverage to NHTD.
Income and asset limits
| Limit | 2026 estimate |
|---|---|
| Income (individual, monthly) | $1,742 |
| Income (married couple) | $2,357 |
| Assets (individual) | $2,000 |
| Assets (married couple) | $3,000 |
Some assets exempt: primary residence (up to $1,071,000 in equity), one vehicle, household goods.
How to apply
- Contact NY Connects (or local Office for the Aging) to start the application.
- Complete the NHTD or TBI Waiver application packet.
- Functional eligibility assessment (in-home assessment by waiver provider).
- Financial eligibility through Medicaid local office.
- If approved, work with care management agency to scope modifications.
Waitlist: 3-12 months depending on region.
What to do next
For NY heat pump rebates, see New York heat pump rebates 2026.
For broader aging-in-place context, see the aging-in-place bible.
For other state programs, see senior programs by state.