Indiana
Indiana repealed its state inheritance tax in 2013, has no state estate tax, and runs the CHOICE program — a state-funded option for seniors who need help but don't qualify for Medicaid. No state paid family leave; federal FMLA is the floor.
Indiana repealed its inheritance tax in 2013 (retroactive to deaths on or after January 1, 2013) and has never had a state estate tax. Combined with federal exemption levels near $14M, the vast majority of Indiana estates face no death-tax exposure. Planning still matters — but the focus is incapacity, probate avoidance, and Medicaid, not tax.
The CHOICE program (Community and Home Options to Institutional Care for the Elderly and Disabled) provides home- and community-based services to Indiana seniors aged 60+ who would otherwise need nursing-home care but don't qualify financially for Medicaid. It fills a critical gap for middle-income families and is one of the better-funded state programs in the Midwest.
Indiana's Medicaid LTC program (called Aged & Disabled waiver, alongside Health & Wellness for some applicants) follows standard federal eligibility — $2,000 asset limit, 60-month look-back, ~$2,901/month income or QIT. The state's managed-care contractors handle service delivery. Indiana is a relatively straightforward state for LTC Medicaid — fewer state-specific quirks than its neighbors.
Medicare in Indiana
Indianapolis MA market, downstate plan availability, SHIP free counseling.
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Medicaid & LTC in Indiana
Aged & Disabled waiver, look-back, QITs, FSSA application process.
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Care Settings & Costs in IN
Indianapolis vs rural cost differential, CHOICE program for non-Medicaid seniors.
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Legal & Financial — IN
No estate or inheritance tax, IN POA, probate, small-estate affidavit.
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The Caregiver's Life — IN
Federal FMLA only, CHOICE program, AARP Indiana resources.
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For when you don’t want to dig
Medicaid agency, Area Agency on Aging, Adult Protective Services, free Medicare counseling, legal aid, official forms, and every statute we cite. All in one page.
OCT 15 → DEC 7
Medicare Annual Enrollment Period
Compare Medicare Advantage and Part D plans for the coming year. Indianapolis MA market is competitive; rural counties have fewer options.
ANNUAL
Indiana Medicaid redetermination
Continued eligibility is confirmed annually. Watch for renewal paperwork from FSSA — missed renewals are the most common cause of coverage gaps.
ROLLING
CHOICE program enrollment
CHOICE accepts applications year-round through Area Agencies on Aging. Waitlists vary by region; central Indiana has been faster than rural counties recently.
Recent from Indiana
Reviewer to be assigned · May 21
Reviewer TBD · May 21
Reviewer TBD · May 21
Caregiving rules differ meaningfully across state lines. If you’re weighing where to relocate your parent, these comparisons matter.
How we research Indiana-specific guidance.
Every state page is built from three sources: the state’s own statutes and regulatory filings, federal CMS and SSA documents that apply, and direct input from at least one credentialed reviewer who practices in or is licensed in that state. We re-review every state page quarterly. Indiana was last fully reviewed on May 21, 2026 by Reviewer to be assigned.