Stop going broke caring for the people you love. Get paid instead.

63 million Americans now provide family care. The average caregiver spends $7,242 a year out of pocket — about 26% of their personal income. Nearly half take on debt, drain savings, or skip meals because of caregiving costs.

What most caregivers don't know: there are legitimate, established programs — Medicaid HCBS in all 50 states, the VA caregiver stipend program (PCAFC) now open to every service era, paid family leave in 14+ states, federal and state tax credits, NFCSP-funded respite, and more — that will pay you for the care you're already giving.

This 88-page book is the complete, 2026-updated map.

If any of these are true, this book is for you:

•      You spend $5,000 or more a year out of pocket on care expenses.

•      You've left a job, cut hours, or said no to a promotion to provide care.

•      You care for a veteran but have never applied to the VA caregiver program.

•      You've heard Medicaid pays family members but have no idea how to start.

•      You're running on empty and need a clear plan, not more articles.

Here's everything you get today:

📖 The 88-page eBook (PDF)                                                                                                                   $29 value

15 chapters, 2026-updated, every program mapped step-by-step with current dollar figures and action checklists organized into "this week," "next 30 days," and "next 90 days."

🗺 Bonus 1: State-by-State Medicaid HCBS Cheat Sheet                                                                    $19 value

One page per state with the program name, the consumer-direction office contact, and the 2026 income and asset thresholds. Find your state in seconds.

✅ Bonus 2: Caregiver Application Document Checklist                                                                     $14 value

Exactly what to gather before applying to Medicaid HCBS, VA PCAFC, paid family leave, and the Credit for Other Dependents. Printable PDF.

🧮 Bonus 3: VA PCAFC Stipend Calculator Worksheet                                                                        $19 value

A fillable spreadsheet that estimates your monthly stipend by zip code and care tier using the 2026 GS-4 Step 1 locality pay tables.

📊 Bonus 4: Caregiver Financial Recovery Tracker                                                                               $14 value

A 12-month income and expense template structured for caregivers with categories pre-mapped to the tax deductions in Chapter 9.

Total real value: $95. Yours today for $29.

What's inside the 15 chapters:

•      Chapters 1-3: The crisis, the burnout, the financial toll.

•      Chapter 4: Medicaid HCBS — get paid as a family caregiver in all 50 states.

•      Chapter 5: The complete VA caregiver playbook (PCAFC) — now open to all service eras.

•      Chapter 6: Insurance, long-term care policies, reverse mortgages, and gig income strategies.

•      Chapter 7: FMLA and state paid family leave (14+ states detailed, including Minnesota, Maine, and Maryland 2026 launches).

•      Chapter 8: NFCSP, Area Agencies on Aging, and condition-specific nonprofit grants.

•      Chapter 9: Tax credits, deductions, IRS Notice 2014-7, and the Credit for Caring Act.

•      Chapters 10-12: Care options, technology, and building your support network.

•      Chapters 13-15: Self-care, estate planning, and thriving long-term.

What readers are saying:

“I had been paying out of pocket for my mom for three years. Chapter 4 walked me through the Medicaid application in my state. Within 90 days I was approved for 30 hours a week. This book paid for itself the first month.”

— Adaeze N., New Jersey · caring for mother with dementia

“I'm a CNA. Half my clients have family members doing more work than I am. I tell every family member to buy this book. The VA chapter alone is worth ten times the price.”

— James O., Texas · certified nursing assistant and caregiver to his father

“I'm the only one of seven siblings doing the actual caregiving. The financial fairness section in Chapter 10 helped me have a real conversation with my family. We now have a written agreement and I'm being paid through Medicaid. Everything changed.”

— Brittany W., Georgia · caring for father with Parkinson's

About the author

Fuseini A. Rashid Zakaria is an international consultant and caregiving-policy researcher. This book distills the AARP/NAC 2025 Caregiving in the U.S. report, the post-OBBBA Medicaid rules taking effect through 2028, the September 2025 VA PCAFC final rule, current Genworth and CareScout cost data, and the rapidly expanding state paid-leave map into actionable, compassionate strategies families can use immediately.

Frequently asked questions

Is this just generic advice, or does it apply to my state?

Every chapter on government programs (Medicaid, VA, paid leave, tax) includes state-by-state guidance, and the State-by-State HCBS Cheat Sheet bonus covers all 50 states individually.

I'm not in the U.S. — does this apply to me?

This book is specifically for American caregivers and U.S. federal and state programs. If you're caring for a U.S.-based loved one from abroad, the book still helps you guide them through the system.

How current is the information?

This is the fully updated 2026 edition. It includes the One Big Beautiful Bill Act's Medicaid changes (effective 2026-2028), the September 2025 VA PCAFC legacy-cohort extension, the current OPM GS-4 Step 1 pay tables, the 2025 CareScout cost-of-care data, and state paid leave program launches through Maryland (July 2026).

Will this book actually help me get money?

Yes, when you apply. The book maps every legitimate program; it can't apply for you. Most caregivers who read and act find they qualify for at least one program they didn't know existed. The book typically pays for itself the first time you get an authorized hour of Medicaid pay or one month of a VA caregiver stipend.

What format is the book?

High-resolution PDF, readable on any device, downloadable instantly after purchase. Bonuses include spreadsheets (Excel and Google Sheets compatible) and audio (MP3).

Is my payment secure?

Yes. Payments are processed by Selar with bank-level encryption. You can pay in USD or your local currency — Selar supports Naira, Cedis, Kenyan Shilling, Rand, Pounds, and more.

What if I have questions after I read it?

Every chapter ends with action checklists and free helpline numbers (Eldercare Locator, VA Caregiver Support Line, your state Area Agency on Aging) where you can get personal guidance at no cost.

Can I get a refund?

30-day satisfaction guarantee. If the book doesn't pay for itself in the benefits it helps you find, email [email protected] for a full refund. No questions asked.

Our promise to you

If you read the book, work through the action checklists, and still don't find a single program you qualify for — we'll refund every cent within 30 days. No forms. No phone trees. No questions.

Don't wait — launch pricing ends soon

The book is $29 today. After the launch window, it goes back to $59. Every month you delay applying for a program you qualify for, you leave money on the table — sometimes thousands of dollars.

Click the buy button. Download instantly. Start with Chapter 4 tonight.