Who Qualifies for VA Benefits for Assisted Living?
For all that U.S. Veterans have sacrificed for our country, it's only right that they are shown gratitude and receive financial assistance as they age in life. That's why the U.S. Department of Veterans Affairs (VA) offers plenty of benefits to help older vets offset the costs of senior care.
It is good to know all of your options so you make the best decision for your care and/or the care of your loved ones who have served in the armed forces. Keep reading to learn more about who qualifies for VA benefits for assisted living (and what those benefits cover).
6 Veterans Benefits that Can Help Pay for Senior Living
VA benefits that are in place for elderly veterans and/or their loved ones who are wanting to offset senior care costs include:
VA long-term care benefits
Standard VA pensions
VA Survivors benefits
Aid & Attendance (A&A) benefits
Keep reading to learn more about each below, including the requirements for eligibility and how to apply.
1. VA Health Care Benefits
The VA health care program is for qualifying veterans and covers many health care-related services. VA health care benefits can include covering long-term care services for elderly, sick, and disabled vets.
What Long-Term Care Services are Available from the VA?
Elderly veterans who are already enrolled in this program may be able to receive long-term care services through the VA, including:
VA pension benefits can vary based on many factors and the exact payment amount can change on a yearly basis. That said, the basic VA monthly pension amount is determined by subtracting the veteran's countable income from their maximum annual pension rate (MAPR).
MAPR amounts for veterans are as follows:
No dependents, doesn't qualify for A&A or Housebound benefits - $16,037
No dependents, qualifies for Housebound allowance - $19,598
No dependents, qualifies for A&A - $26,752
1 dependent, doesn't qualify for A&A or Housebound benefits - $21,001
1 dependent, qualifies for Housebound allowance - $24,562
1 dependent, qualifies for A&A - $31,714
Veterans married to each other, neither qualifies for A&A or Housebound benefits - $21,001
Veterans married to each other, only 1 qualifies for Housebound benefits - $24,562
Veterans married to each other, both qualify for Housebound benefits - $28,121
Veterans married to each other, only 1 qualifies for A&A - $31,714
Veterans married to each other, 1 qualifies for A&A and 1 qualifies for Housebound benefits - $35,266
Veterans married to each other, both qualify for A&A - $42,433
VA Survivors benefits are for eligible family members (spouses, dependents, and/or survivors) and caregivers of wartime veterans. Survivors benefits can include a pension, health care, home loans, burial services, life insurance, and monetary assistance for education and training.
Eligibility Requirements for VA Survivors Benefits
Eligibility for Survivors benefits will vary depending on several factors, including the specific type of benefits someone applies for. That said, the following typically must be true to be eligible for many VA Survivors benefits:
Veteran did not receive a dishonorable discharge
Veteran's service met certain eligibility requirements (see above)
The surviving spouse has not remarried after being widowed
Has a limited income/net worth
Dependent children are under a certain age or cannot care for themselves due to a disability that occurred before the age of 18
Like A&A benefits, Housebound benefits are for eligible veterans and spouses who require assistance with day-to-day tasks. The difference is that the Housebound allowance is exclusively for homebound individuals.
What are the Eligibility Requirements for Housebound Benefits?
People who qualify for VA Housebound benefits:
Are already eligible for standard veterans benefits
Have a permanent disability that keeps the individual home
Disability compensation from the VA is a tax-free payment distributed monthly to disabled veterans with a service-connected disability. In other words, the veteran is disabled as a result of their service or the veteran had a pre-existing condition that worsened due to service. The disability can be either physical or mental.
What are the Eligibility Requirements for Disability Compensation?
Veterans may be eligible for this compensation if they:
St. Andrew's is a proud supporter of our armed forces. That is why we work with families and their caregivers to determine the best type of care for veterans and how best their VA benefits can help them pay for assisted living and other senior care services within our network.
Along with Social Security Supplemental Income, Medicare, and/or Medicaid,VA benefits can help pay for senior living. Specifically, the VA health care program, VA pension, VA survivors pension, VA Aid & Attendance pension benefits, Housebound allowance, and disability compensation can all help offset costs associated with senior care, including in-home care and assisted living costs.