There is a
While the VA offers a plethora of benefits, such as home loans and burial benefits, the Pension Aid and Attendance benefit is a specific benefit for seniors who need help paying for long-term care. One of the often misunderstood things about this benefit is that the veteran does not need to have a
There are however certain criteria that must be met in order to be eligible for this benefit. First, the veteran must have served 90 days of active duty and one of those days must have been during a period of conflict. The periods of conflict are as follows:
WWII: 12/7/1941 – 12/31/1946
Korea: 06/27/1950 – 12/31/1955
Vietnam:08/05/1964 – 05/07/1975
Persian Gulf: 08/02/1990 – Present
Although one of the 90 days must have been during a period of conflict, it does not need to be in
In addition to the time in the military, the veteran or surviving spouse must meet the medical test. This includes needing assistance with at least some of the following: bathing, toileting, general hygiene, meal preparation, medication management, transferring, and transportation. Most seniors with high costs of care already satisfy the medical test.
The final qualifications are that the veteran or surviving spouse must meet an asset and income test. The asset test is a complex formula that takes into account all of the ‘countable’ assets that the veteran or surviving spouse owns at the time of application and their life expectancy. Determining whether you qualify for the asset and income part of the test can be complex and difficult to understand. An accredited VA elder law attorney should be consulted.
Satisfying the income test considers your gross income minus your medical expenses. The resulting figure is considered your income for VA purposes. The veteran or surviving spouse must have high recurring medical expenses to qualify. For example, If a surviving spouse has income from social security and a pension that total $3,000 a month, and needs to reside in an assisted living facility with a monthly cost of care at $4,000, the surviving spouse has an ‘income’ for VA purposes of -$1,000 and would satisfy the income part of the test. Typically, the need for
If you think you have too much income or assets, do not be mistaken. Determining which assets are countable and how many you can have can be complex and confusing. There are also many strategies that can be utilized to qualify for both the income and asset part of the test. We recommend that you always speak with a VA accredited elder law attorney to see if you qualify for this cash benefit.
The cash amounts are paid directly to the veteran or surviving spouse on a monthly basis for the remainder of their lives. This cash benefit is also
Veteran’s Pension: $1,788
Veteran’s Pension with one dependent: $2,120
Surviving Spouse: $1,149
The benefit continues for life and can have a huge impact on the level and quality of care for senior veterans or their spouses. For example, if a veteran qualified for the Aid and Attendance benefit with one dependent and is in long-term care for the next 5 years the total amount received would exceed $125,000. Too many veterans and/or surviving spouses don’t take advantage of this benefit because either they don’t know about it or don’t understand the complex qualifications.
The VA Aid and Attendance benefit can be difficult to navigate and determine if you actually will qualify, but it is an incredibly underutilized resource that more veteran’s and their surviving spouses should take advantage of. Consulting with a VA accredited elder law attorney is the best way to find out how to obtain this cash benefit. Don’t delay. This cash benefit could help prevent your family from going broke paying for long-term care.