Posted: November 8, 2021
For many older veterans, living at home as long as possible may be an important goal but sometimes this just isn’t a safe option any longer. There are a number of benefits that these veterans may be eligible for that were designed to provide assistance with care they may need later in life. But unfortunately, many veterans and their families do not take advantage of veterans retirement benefits because they don’t know about them or they simply forget about them.
This is an often-overlooked benefit for benefits that provides a monthly, needs-based payment above the pension a veteran is already receiving. Offered through the Department of Veterans Affairs, the Aid and Attendance benefit (A&A) can be used to help cover the costs of long-term care, like memory care or assisted living for veterans. For veterans and their surviving spouses who are eligible, A&A can help pay for the cost of daily senior care, regardless of where it’s provided: in their residence, in an assisted living community, or in a nursing home.
The program is designed for veterans who need assistance in completing the activities of daily living (ADL). These include everyday tasks such as grooming, eating, using the bathroom, getting around, and the like. Veterans who cannot perform these tasks on their own cannot live independently, requiring the aid of another person. Needing this benefit does not have to be related to an injury experienced while in the service.
Veterans who have been diagnosed with dementia are typically rewarded this benefit since the condition necessitates they live in a protected environment.
The program can pay up to $1,936 per month for a single veteran, $2,230 per month for a veteran and their spouse, or $1,244 for a veteran’s surviving spouse, according to recently published figures. These benefits are not taxed. This is a substantial amount of money to put toward monthly living expenses.
It should be noted that if a spouse remarries, they will not be eligible if their first spouse is a veteran. There are additional requirements for eligibility for this benefit:
The veteran had to have served during wartime with at least 90 days of total service during the war. They had to have served on active duty during the war for at least one day. This also includes the national guard and reserves—as long as it was during the war.
The veteran must have had an honorable or less-than-honorable discharge. Dishonorably discharged vets do not qualify.
The veteran (or the surviving spouse) must have specific health issues. These can include needing assistance with ADL, being bedridden, having mental or physical incapacity, or experiencing visual impairment. A physician’s statement will be needed to document these health issues.
Before awarding benefits, veterans must meet specific financial qualifications. A home and vehicle are exempt from assets limits, which cap at about $125,000 (as of December 2018), although this does not necessarily prevent veterans from qualifying for benefits.
VA basic pensions are designed for veterans over the age of 65. Since the VA classifies any veteran of this age as “disabled,” no physician statement is needed to file. This pension can be used however the recipient sees fit. If the veteran isn’t yet in an assisted living residence, the funds can go toward other services, such as home care aids or adult daycare centers.
Healthy veterans over the age of 65 must qualify as low-income or meet other requirements.
While A&A provides much-needed assistance to many veterans, it may not be the best option for those who are confined to their homes. In these cases, Housebound Benefits can provide financial assistance for disabled veterans.
Similar to A&A, Housebound Benefits provide additional funds that are added on to the basic monthly pension amount already received. This benefit is available for veterans who are housebound either at their own residence or that of a friend or family member or confined to their immediate premises because of permanent disability.
A veteran can’t receive Housebound benefits and A&A benefits at the same time, but they might be eligible to receive the higher of the two benefit amounts.
The application starts by contacting the local the pension management center via the VA Facility Locator.
These benefits are available to veterans to help alleviate the financial burden that accompanies assisted living or long-term care. Navigating the financial needs of veterans who require assisted living care is complex but worth the effort.
We invite you to contact Heritage Crossing for more information.