If you’re a U.S. military veteran who is planning for your own long-term senior care or the care of an aging loved one who is a veteran, you’ve probably considered whether VA benefits could help cover the costs of that care. If this is the case, you’re in good company. According to a 2012 census figures, more than 12.4 million veterans over the age of 65 live in the U.S.. With the average annual senior care costs ranging from $17,680 to $92,378 for care ranging from adult day health care to private nursing homes each year, financial help is essential.
What Are Aid and Attendance Benefits?
The costs of long-term care add up quickly. VA benefits like the Aid and Attendance Benefit can help significantly, even if the veteran's income is above the limit for a pension. For eligible veterans and their spouses, the Aid and Attendance Benefit can help cover the costs of a variety of types of senior care, including assisted living, in-home care, and nursing home care.
The VA pays Aid and Attendance Benefits to a veteran in addition to monthly pension benefits. These benefits are also paid to survivors of veterans who have been collecting death pensions. Aid and Attendance Benefits may add $700 each month for veterans and $500 per month for survivors. This type of benefit is available for veterans who have served 90 days or more, one of those days being during a time of war.
Who is Eligible for Aid and Attendance Benefits?
These benefits are set aside for individuals who require assistance to perform daily activities, including bathing, feeding, dressing, and getting out of bed. It is also available for patients in nursing homes, those who are blind, and those who are undergoing treatment for a disability. Eligibility depends on whether the veteran is receiving a VA pension or if the veteran's survivors are receiving a death pension. Either party must provide a primary doctor’s report as evidence of a qualifying condition.
How to Apply for VA Benefits
Applying for veterans’ benefits starts by contacting the regional office for the VA where the veteran previously applied for a pension or the survivor filed for a death pension. The VA will place the veteran into a priority group and make contact when the claim has been filed.
Unfortunately, all too many veterans and their loved ones don't know that there are benefits available to help pay for the costs of senior care. With these rates rising every year, VA benefits can make a significant difference in the type of care that aging veterans can afford. Housebound seniors and those who require consistent assistance should be aware that they may be eligible for these additional VA benefits.