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 Veterans Aid


There is a little-known benefit administered by the U. S. Veterans Administration that will pay for long-term care benefits to qualified veterans, their current spouses, or an unmarried surviving spouse.
  • If you meet the following requirements for the Aid and Attendance pension you can receive a tax-free monthly benefit of up to: 

Married Veterans

$ 2,230

Single Veterans

$ 1,880

Current Spouses

$ 1,466

Surviving Spouses

$ 1,210

Qualifying For Veterans Aid & Attendance

Military Service

Periods of War

World War II: 12/7/1941 - 12/31/1946

 

Korean War: 6/27/1950 - 1/31/1955

 

Vietnam War: 8/5/1964 - 5/7/1975*

 

Gulf War: 8/2/1990 - Present

 

Period of Service

90 days of service with a least 1 day during the war

90 days of service with a least 1 day during the war

6 months of service with a least 1 day during the war

2 years of service with a least 1 day during the war

*The start date for Veterans serving "in country" is 2/28/1961    
 
An individual must be either a Veteran, the current spouse of a Veteran or the unmarried spouse of a deceased Veteran who, with limited exceptions, never remarried.
 
The Veteran must have:

 

  1. Been honorably discharged

  2. Served during a period of declared war (whether in combat or not)

  3. Served for a minimum period of service

 

 

Medical Needs

In order to qualify under the Medical Needs:
  • An individual under age 65 must be permanently and totally disabled.
  • An individual over the age of 65, the current spouse of a Veteran (who may be under age 65) or the unmarried spouse of a deceased Veteran (who may be under age 65) need not be permanently and totally disabled, but must meet at least one of the following health requirements:
 
  1. Blind or nearly blind
  2. In a nursing home because of mental or physical incapacity
  3. Needs the daily assistance of another individual with at least 2 of the following Activities of Daily Living (ADLs) ie. Medication, Bathing, Dressing, Using the Restroom, Transferring, Eating
  4. Has a mental condition that requires daily supervision or must be in a protected environment

 

Income Test

There are ways you can plan so that you receive the full benefit to help pay for care.
 
  • The formula for determining whether an individual meets the Income Test is almost impossible to understand.
 
  • The VA will look at the Total Income of an individual including, if married, the income of the spouse and compare that to the individual's total Unreimbursed Recurring Medical Expenses (URME).
 
  • If the individual's total Unreimbursed Recurring Medical Expenses is close to or exceeds total income, the Veteran, spouse or widow(er) should qualify for the applicable maximum Aid and Attendance benefit.
This is an area where we can be of assistance. We can help you meet the Income Test before you apply for the benefit. There are ways you can plan so that you receive the full benefit to help pay for care.

Asset Test

Veterans Aid divides your assets into two categories:
 
Exempt Assets and Countable Assets
 
  • The VA will not count any Exempt Assets owned by you or your spouse.
  • An individual or a couple can not have more than $127,061 (2019) in Countable Assets.
​​

ViCare Solutions can help you and your family plan for the costs of long-term care while preserving your assets. Click here for Care Planning.

Your home, including up to 2 acres of land surrounding the home.

Exempt Assets

A car (any make or model)

Exempt Assets

Personal effects suitable to and consistent with the Applicant’s mode of life

Exempt Assets

Certain final expense and burial plans

Exempt Assets

   Countable Assets:

  • Cash

  • Checking & Savings

  • CD's

  • Mutual Funds

  • Stocks & Bonds

  • Real Estate

  • Business Assets

  • All Other Items of Value

Gifts

  • The VA may impose a penalty waiting period if you transferred any property for less than its fair value (gifts) during the last 3 years. Commonly referred to as the VA “Three-Year Look Back”.
 
But this is where ViCare Solutions can help