3 lessonsAbout 16 minutesNo CE or licensure credit

ALW and money: room and board, SSI and what the home may charge

A short guide for families and representatives in three lessons: what ALW pays for and what the person pays the home, how the 2026 SSI/SSP amounts split between the home and the person, and which extra charges a home may make for a resident on SSI/SSP.

Written for

  • Families and representatives
Course version
2026.10.3
Text checked against its sources

Before you begin

What you will be able to do

  • Explain to a relative, before a move, that ALW pays the home for care services and the person pays the home for room and board from their own income.
  • Read the 2026 CDSS SSI/SSP amounts for a person in a licensed care home and say which part goes to the home and which part the person keeps.
  • Check an extra charge for a resident on SSI/SSP against the few the rules allow, and know whether to ask the home, the care coordinator or Community Care Licensing.

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In this course

  1. Two parts: the care, and the room and boardAbout 5 minutes · Not yet
  2. SSI/SSP: the 2026 amountsAbout 5 minutes · Not yet
  3. Extra charges: what the home may addAbout 6 minutes · Not yet

Sources

Sources behind this course

Each lesson lists the sources it uses. Open the original for the exact rule, form or instruction that applies to your work. The source library describes each one in more detail.

California DHCS

Assisted Living Waiver program page

The program description, the eligibility criteria, the counties, the current waiver and its amendments, grievances and enrollment information.

Where to look: The Eligibility, Current Waiver, Approved Amendments, Emergency Amendments and Current Enrollment sections.

Open the DHCS ALW page
California DHCS

The Assisted Living Waiver (ALW) Program: description and eligibility (effective January 1, 2024)

The program description, room and board, the counties, the share-of-cost rule, where Medi-Cal applications go, and how level of care is assessed.

Where to look: The Determining Medi-Cal Eligibility and Determining Level of Care Eligibility sections. Its 2024 dollar amounts are dated.

Open the DHCS ALW description and eligibility sheet (PDF)
California DHCS, approved by CMS

ALW waiver application CA.0431.R04.01, 2024 to 2029, as amended March 1, 2025

The waiver's target groups, selection of entrants, level-of-care criteria and assessment, the tiers, and freedom of choice.

Where to look: Appendix B-1 (target groups), B-2 (cost limit and safety), B-3 (selection of entrants), B-6 (level of care) and B-7 (freedom of choice).

Open the current ALW waiver (PDF)
California CDSS

PIN 25-19-CCLD, 2026 SSI/SSP and NMOHC rates

The estimated SSI/SSP payment standard effective January 1, 2026 for a person in a licensed care home (NMOHC): the SSI and SSP parts, the room-and-board and care-and-supervision parts, the amount for basic services, the personal and incidental needs allowance, couples, and the extra $20 for a resident with other income.

Where to look: Page 2: the rate table and note 1 (the extra $20 by admission agreement). The PIN is dated December 8, 2025.

Open PIN 25-19-CCLD
California CDSS (regulation text on Cornell LII)

Title 22, California Code of Regulations, section 87464: Basic services

The basic services every RCFE must give, and the rule that an SSI/SSP resident gets them at the basic rate with no extra charge, with the private-room, special-food and voluntary-contribution exceptions.

Where to look: Subdivision (e), items (1) to (3), and subdivision (f).

Open section 87464 on Cornell LII
California CDSS (regulation text on Cornell LII)

Title 22, section 87101: Definitions

The RCFE definitions, including admission agreement, basic rate and basic services.

Where to look: Subdivisions (a)(2) and (b)(1) to (b)(2).

Open section 87101 on Cornell LII
California CDSS, Community Care Licensing Division

Choosing a Residential Care Facility for Seniors in California: A Guide for Consumers (version 06/01/2022)

The state's consumer guide for choosing an RCFE: what an RCFE is, basic services, the license, identifying needs, the facility search and public file, visits, complaints and the visit checklist.

Where to look: Sections 1, 2 and 4 to 8, and section 10 (Facility Visit Overview).

Open the CDSS guide to choosing an RCFE (PDF)
California CDSS, Community Care Licensing Division

Resources for Residents and Families (Senior Care Licensing)

What an RCFE is, how to review a facility file, and where to report elder abuse or get help from the Long-Term Care Ombudsman.

Where to look: Senior Care Facility Types, How to Review a Facility File, Elder Abuse and Neglect Reporting, Resident Advocacy.

Open the CDSS page for residents and families
Call the ALW teamFit check