<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created by Certent Disclosure Management 24.2.0.1 -->
<!--Based on XBRL 2.1-->
<!--Created on: 4/7/2025 7:28:26 AM-->
<!--Modified on: 4/7/2025 7:28:26 AM-->
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  <xsd:annotation>
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  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"></xsd:import>
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  <xsd:element id="che_YearEndFairValueForStockAwardsGrantedInCoveredFiscalYearOutstandingAndUnvestedMember" name="YearEndFairValueForStockAwardsGrantedInCoveredFiscalYearOutstandingAndUnvestedMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"></xsd:element>
  <xsd:element id="che_ValuesReportedInStockOptionsColumnOnSummaryCompensationTableMember" name="ValuesReportedInStockOptionsColumnOnSummaryCompensationTableMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"></xsd:element>
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  <xsd:element id="che_ActuariallyDeterminedServiceCostsOfPensionMember" name="ActuariallyDeterminedServiceCostsOfPensionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"></xsd:element>
  <xsd:element id="che_AggregateChangeInActuarialPresentValueOfPensionMember" name="AggregateChangeInActuarialPresentValueOfPensionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"></xsd:element></schema>
