CTI
Developmental Rehabilitative Services
- (574) 387-4049
Structured Family Caregiving
Get Paid to Care for Your Loved One — With Real Support Behind You
Indiana's SFC program pays qualified caregivers a daily stipend. CTI passes through 65% of the approved daily rate — exceeding the state's required 60% minimum. We invest the difference in the infrastructure that protects your income and your loved one's care.
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Monthly RN Visits — 6× the State Minimum
Indiana requires 2 visits per quarter. CTI provides one every month — someone from CTI is in your home 12 times per year, not 4.
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5th Business Day Payment — Every Period
CTI processes ACH caregiver payments on the 5th business day of every payment cycle. Annual estimates assume 365 billable days — actual income varies. Contact CTI for a personalized estimate. Documentation reviewed monthly so issues are caught before they affect your check.
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Therap Documentation Support
Your care manager reviews documentation monthly and contacts you proactively when issues arise — before they affect payment.
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Switch Providers — We Handle the Paperwork
Already receiving SFC? You have the right to switch at any time. CTI coordinates with your case manager and handles the transfer.
💵 SFC Income Estimator
Estimate your potential caregiver income
Estimated Monthly Take-Home (65% of daily rate)
$1,944
$18,144 estimated annually · Generally non-taxable (IRS §131)
CTI passes through 65% of the state-approved daily rate — exceeding Indiana's 60% minimum. Payments issued on the 5th business day. Actual amounts depend on individual authorization and MCE.
SFC Waivers Accepted
Health & Wellness Waiver
PathWays for Aging
TBI Waiver
CIH Waiver
Common Questions We Hear
Real Answers — Before You Decide
Why doesn't CTI pay the highest percentage?
Some providers offer higher percentages with reduced clinical oversight and greater compliance risk. CTI's 65% funds monthly RN visits (6× state minimum), monthly care manager visits, documentation support, and reliable 5th business day payments. A higher percentage that leaves you to navigate the program alone isn't actually a better deal.
Will I actually get paid on time?
Yes. CTI pays on the 5th business day of every payment cycle. Annual estimates assume 365 billable days — actual income varies. Contact CTI for a personalized estimate. Documentation compliance is reviewed monthly — CTI contacts caregivers proactively when issues arise, before they affect your payment. In 2025, CTI processed over $3.18M in ACH caregiver payments.
What if I make a documentation mistake?
CTI's care manager reviews your Therap documentation every month and reaches out if something needs correction — before it affects your payment or your loved one's care plan. You are not left to figure this out alone.
Can I switch from my current SFC provider?
Yes — Indiana Medicaid allows you to change providers at any time. CTI coordinates the transfer directly with your case manager, handles the paperwork, and works to ensure no disruption to services or payment during the transition.
Family Caregiver Support for Individuals With Complex Needs — Including Children
While many people associate Structured Family Caregiving with aging adults, some children and younger individuals with complex medical or developmental needs who qualify for Indiana Medicaid waiver services may also be eligible for family caregiving support. CTI works closely with families to review eligibility options, coordinate waiver-related services, provide ongoing support, and help caregivers navigate the process with confidence. Eligibility is based on clinical needs, Medicaid waiver approval, and state authorization requirements. Contact CTI to discuss your family's specific situation.