Veteran's Benefits Planning

Many American wartime veterans are unaware that they may be entitled to a pension benefit.  So many vets are unaware of this valuable benefit that it could almost be considered a “secret.”  This benefit could be as much as $1,674 per month.


It seems to be a well-kept secret that veteran’s benefits are a huge potential source of funds for long-term care for the elderly, either at home or in a facility.  Receiving these funds could be a make a huge difference for those people who need some type of long-term care but are not yet ready for a nursing home.  Those who want to avoid nursing home may be able to afford home care or assisted living care with the help of this benefit.


Who is eligible? 

You may be eligible if:

·   you were discharged from service under other than dishonorable conditions, AND

·   you served 90 days or more of active duty with at least 1 day during a period of war time, AND

·   you are permanently and totally disabled, or are age 65 or older, AND

·   your countable family income is below a yearly limit set by law, AND

·   you meet certain net worth requirements.


How much does the VA pay?

If you meet the requirements the VA may pay as follows:

·   Veteran w/aid and attendance without dependent  = $16,955 annually or $1,412 per month.

·   Veteran w/aid and attendance with one dependent = $20,099 annually or $1,674 per month.

·   Two veterans married to each other=$26,187 annually or $2,182 per month.

·   Surviving spouse aid and attendance=$10,893 annually or $907 per month.


It is very important to note that medical expenses can be used to reduce and/or zero out all other income.  It is also very, very important to note that if a disabled person is maintained in an adult day care, rest home or other facility such as assisted living, these expenses can also be used to reduce and/or zero out all other income.


Social Security Income                        $1,000

Assisted Living Cost                          -$3,000

Net Income                                            -$2,000


The veteran may be entitled to the full award based on the rating decision.



Mr. And Mrs. Veteran lives at home.

Assets                                                   $50,000

Social Security                                      $1,300

Unreimbursed Medical

            Home health                              -$2,150

            Medications                              -$   700

            Health Insurance                      -$  300

Net Income                                            -$1,850


Potential Benefit =              $1,674 per month.


As you can see in these examples, it may be that many that would think they would not qualify probably would.  The VA’s Aid and Attendance benefit can make a huge difference in long-term care received and the financial well being of the veteran.


Consult with an Elder Law Attorney if you think you may qualify for this benefit.  You could be needlessly turned down if you do not understand what is required and how the program works.


Please call our office at (419) 794-7730 if you would like more information on Veteran’s Benefits Planning.

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