Overview

You just heard the word. Now what? If someone you love has just been diagnosed with Alzheimer's or dementia, the first few days feel like standing in a room where all the doors look the same and none of them are labeled. You have questions nobody prepared you to ask. The doctor handed you a diagnosis but not a plan. The internet is full of information but none of it seems to be about Indiana. And underneath all of it sits a quieter fear most families don't say out loud: How are we going to pay for this? This guide was written for exactly that moment. It's not a clinical textbook. It's the kind of guide a trusted friend would hand you at the kitchen table - one who happens to know everything about Indiana's care system, its programs, its legal tools, and its financial safety nets. Plain language. Real phone numbers. An honest picture of what to expect, and what it might actually cost. Inside, you'll learn: ∙ A step-by-step roadmap for the first weeks after a diagnosis - what to do this week, what can wait ∙ How Indiana's PathWays for Aging program works, and how adult children can be legally paid to provide care ∙ The real cost of dementia care in Indiana - broken down by region, care stage, and who pays ∙ Veterans Aid & Attendance benefits - up to $2,727/month tax-free, and why more families qualify than realize it ∙ Why Indiana's Transfer-on-Death Deed does NOT protect a family home from Medicaid, and what actually does ∙ How to legally protect a healthy spouse from being financially wiped out ∙ How to appeal a Medicaid denial without losing your original application date Three weeks from now, you could be a different family. Not because the diagnosis changed - but because you did. You'll know which programs your loved one qualifies for. You'll know which calls to make and in what order. You'll have a plan for the home, the savings, and the spouse left behind. The paperwork that feels impossible today will feel like a checklist you're working through. The fear that's keeping you up tonight will have a name, a number, and a next step. Every program in this guide actually exists in Indiana. Every phone number was verified. Every dollar figure reflects 2026 eligibility limits. The 16 Area Agencies on Aging, the FSSA Division of Aging, the Indiana Alzheimer's Disease Research Center at IU, the PathWays for Aging Helpline - these are the people who can help you. This guide tells you exactly how to reach them and what to ask. There are an estimated 110,000 Hoosiers living with Alzheimer's or a related dementia right now. Behind every one of them is a family doing exactly what you're doing - trying to figure it out, one step at a time. You can do this. This guide will help you hit the ground running. You'll know what programs are available, which ones are right for you, and how to apply successfully. Start with one call. This guide will tell you which one.

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