VA Benefits Planning for Assisted Living, Nursing Home and Home Health Care

Pension with Aid and Attendance 1

Long Term Care is on of the greatest financial risks that a senior will face. What are the options?

  • Medicare provides only a short period of coverage for skilled care.
  • Family members may not be able to provide care.
  • Long Term Care insurance provides a solution, but few own a policy.
  • Limited resources or spousal impoverishment prevent private pay.
  • Medicaid pays for long term care. However, qualification can be challenging.
  • Veterans may receive benefits if qualifications are met.

There are veteran benefits that veterans or widow(er)s of veterans can receive to supplement their income to pay for home health care, or assisted living or nursing home.

The Bond Law Firm is dedicated to helping families in the Houston area who are overwhelmed or confused by all the decisions they have to make about how to pay for long term care. With our knowledge of the law, we can often assist clients in increasing their income to help defray the cost of long-term care in the home, in assisted living facilities and in nursing homes.

As a veteran you have earned the right to these benefits due to your service to this country. If you qualify for benefits, there is no reason to delay. Please note that qualification for Medicaid can have conflicting rules with regards to VA. You need to make sure that you understand how both can work together. This advice needs to come from a Medicaid Planning Attorney who is also VA Accredited to assist with Veterans benefits.

2013 Qualification Criteria

If you are a veteran or a widow of a veteran, you may be able to obtain tax free income from the VA to help pay for the cost of home health care, assisted living car and nursing home care. The benefit is called Improved Pension.

In addition to the Pension, a person who is housebound or in need of assistance of another person with activities of daily living, may receive additional pay called Housebound Benefits or Aid and Attendance Benefits, which is a supplement to the Pension.

The Basic Eligibility Requirements are detailed below:

  1. The Veteran must have served at least 90 days on Active Duty; one day of which had to have been during a War Time Period.
    • World War I
    • World War II (Dec. 7, 1941 to Dec. 31, 1946)
    • Korean War (June 27, 1950 to Jan. 31, 1955)
    • Vietnam War (Aug. 5, 1964 to May 7, 1975)
    • Vietnam War (Feb. 28 to May 7, 1975 if served IN the country of Vietnam)
    • Gulf War (Aug. 2, 1990 to date set by law by Presidential Proclamation)
  2. The Veteran must have received a discharge that is other than dishonorable.
  3. The Claimant must have limited income and resources.
  4. The Claimant must have a permanent and total disability (and disability was caused without willful misconduct by the claimant).
  5. 5. The Veteran or Widow signs an application and provides the application to the Veterans Administration.

Aid and Attendance:

Pension benefits with an Aid and Attendance supplement are available to a Veteran or Widow(er) of a Veteran who meets one of the following: (1) Blind, (2) Living in a nursing home OR (3) Unable to meet activities of daily living or has a physical or mental incapacity that requires assistance on a regular basis.

  • Veteran with no Dependents: $1,731/month.
  • Veteran with (1) Dependant: $2,053/month
  • Widow(er) with no Dependents: $1,112/month