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VA Accredited Claims Agent
Veterans Administration on Accreditation
All too often veterans are told they do not qualify for VA Aid and Attendance. The truth is you may be eligible for benefits to help pay for needed extended care should if you meet
The 3 Ms to VA Pension Qualification
M #1, military service. A veteran or a surviving spouse of a veteran must have 90 days of active duty, with one day during a period of war, and have an honorable discharge. The periods of war include World War II, the Korean War, the Vietnam War and the Gulf War. Gulf war veterans must have two years of active duty to qualify.
M #2 is medical need. A claimant must have the need of assistance of another individual with at least two activities of daily living. There are bathing, dressing, ambulating, toileting and eating. An example of this would be someone with dementia may simply need daily reminders to eat and bathe, this would qualify.
M #3, is money, so what are the income and asset limits? In order to qualify for the full benefit your income must be less than your cost of care. Here is an example, take someone with an income of $3,000 per month and their cost of care in an assisted living community is $4,500 per month, they would have $1,500 negative per month. They would qualify for the full monthly benefit of $2,120 for a married veteran, $1,788 for a single veteran, and $1,149 for a surviving spouse. The amount of assets they can have is not as straightforward and is somewhat subjective process. We have had claims approved with over $80,000 in total assets and others denied for less than $30,000 in total assets. So, how do you know what the correct amount is? The best advice is to consult with an accredited agent or attorney who understands the rules. A competent advisor can help you qualify even if you have a high net worth.
Steve Dabbs VA Accredited Claims Agent
Accredited By the Department of Veterans Affairs
Want is the Aid and Attendance Pension?
The Veteran can receive over $25,000 per Annum Tax Free to help pay for the High Cost of long-term care.
By Steve M. Dabbs, VA Accredited Claims Agent
As a wartime married veteran of any branch of the US military, you may be eligible for up to $25,440 of tax-free income per year. Veterans must be fully disabled or over 65 and rely on the assistance of another individual for daily living activities.
The VA Improved Pension Aid and Attendance is a program in which individuals who served in the military during WWII, the Korean Conflict, the Vietnam War, or the First Gulf War starting in 1990 to date, are eligible for a special VA pension. The benefit extends to the Veteran’s spouse as well as the surviving spouse of a Veteran who served during wartime. Interestingly, the spouse did not have to be married to the Veteran at the time of service. It is also important to note that a common law marriage is recognized for eligibility.
The pension is paid tax free to help pay for home health care, an assisted living facility, and nursing home costs. A family member can also provide home health care, and the Veteran can pay that person for the care given.
The VA Pension will provide needed tax-free funds to help pay for the assistance of someone to help with daily activities such as eating, dressing, mobility, toileting, or bathing. The benefit is for all Veterans; however, if the Veteran is over the age of 65, the need for care does not have to be service connected. Mental incapacity due to dementia or Alzheimer’s Disease, hip replacements, and even blindness and other diseases of old age may qualify the veteran or spouse for this benefit. Friends, relatives, or professional staff can provide this care at home, in an assisted living facility, or in a nursing home.
A married veteran can receive up to $2,120 per month; a single veteran may receive up to $1,758 per month. The benefit for care for a spouse is $1,403, while that for a surviving spouse is just over $1,149 per month. These benefits are tax free and do not affect any Social Security payments.
If you or your spouse served our country during a period of war, check out your eligibility for this benefit. If you require assistance at home, currently live in a senior retirement community or assisted living facility, or if nursing home care is inevitable, you may be able to increase your standard of living or move into a facility where you can get the care you need.