Senior Assisted Living Solutions can help you find the right specialist to assist you in applying for Veterans Aid & Attendance to help pay for the assisted living facility. Look below to see if you qualify.
What Are Aid and Attendance Benefits?
Aid and Attendance is a benefit paid by Veterans Affairs (VA) to veterans, veteran spouses or surviving spouses. It is paid in addition to a veteran's basic pension. The benefit may not be paid without eligibility to a VA basic pension. Aid and Attendance is for applicants who need financial help for in–home care, to pay for an assisted living facility or a nursing home. It is a non–service connected disability benefit, meaning the disability does not have to be a result of service. You cannot receive non–service and service–connected compensation at the same time. Aid and Attendance benefits are paid to those applicants who:
Who is Eligible for Veterans Affairs Basic Pension and Aid and Attendance?
A pension is a benefit that the VA pays to wartime veterans who have limited or no income and who are at least 65 years old or, if under 65, are permanently or completely disabled. There are also "Death Pensions," which are needs based for a surviving spouse of a deceased wartime veteran who has not remarried.
What are the Service Requirements for Aid and Attendance?
A veteran or the veteran's surviving spouse may be eligible if the veteran:
Was discharged from a branch of the United States Armed Forces under conditions that were not dishonorable AND
Served at least one day (did not have to be served in combat) during the following wartime periods and had 90 days of continuous military service:
What are the Disability Requirements for Aid and Attendance?
Veterans, spouses of veterans or surviving spouses can be eligible for Aid and Attendance benefits if they meet the following disability requirements:
What are the Income Requirements for Aid and Attendance?
The claimant's countable family income must be below a yearly limit set by law. Countable Income means income received by the claimant and his or her dependents. It includes earnings, disability and retirement payments, interest and dividends, and net income from farming or business. A claimant must report all income, but the VA will exclude any income that the law allows. Public assistance, like SSI, is not counted as part of countable income. The annual income limits for the Aid and Attendance program are higher than those set for the basic pension. The maximum Aid and Attendance benefit that can be paid monthly to a single veteran is $1,788, but the veteran must have countable income of $0 to receive the maximum benefit.
Unreimbursed Medical Expenses
A portion of unreimbursed medical expenses paid by claimants may reduce the countable income.
Unreimbursed medical expenses include: cost of a long term care institution or assisted living, health related insurance premiums (including Medicare premiums), diabetic supplies, private caregivers, incontinence supplies, prescriptions and dialysis not covered by any other health plan. Only the portion of the unreimbursed medical expenses that exceed 5% of the basic pension MAPR may be deducted (see above chart for this amount).
Example A: Single Veteran/No Spouse or Dependents — Income Less Than MAPR
Jim is disabled and needs help paying for care. His yearly income is $40,000 and he has $35,000 unreimbursed medical expenses this year.
The countable income is subtracted from the maximum annual Aid and Attendance Rate to determine the benefit amount.
$21,466 (Aid and Attendance Rate)– $5,643 (countable income)= $15,823
Jim’s Aid and Attendance benefit would be $15,823 or $1,318/monthly
Example B: Single Veteran/No Spouse or Dependents — Income Over MAPR — No Med Deduction
Ron’s countable income is $1,300 per month ($15,600 per year). Because his annual income is more than $12,868 (more than $1,072 monthly), and he does not have any medical expenses to deduct, he is not eligible for VA Veterans Pension with Aid and Attendance.
Ron may reapply again when his countable income falls below the limit or when he has unreimbursed medical expenses that would reduce his income.
Example C: Married Veterans — Income Below MAPR — Need Aid and Attendance
Both David and Sue live in a senior apartment and need a caregiver 24 hours a day to remain safely in their house. SSI is their only monthly income. Since SSI is not counted, their countable income for VA purposes is $0. They are eligible for $2,837 per month ($34,050 annually), the maximum benefit to help pay for their care.
Example D: Surviving Spouse of Veteran — Income Above MAPR — In Assisted Living
Mary is an assisted living facility. Her income is $12,000 per year in Social Security. Her children help pay for the assisted living cost of about $4,000 monthly. Thus, Mary’s unreimbursed medical expenses are $4,000 per month or $48,000 per year.
$8,630 MAPR x 0.05 = $431
$48,000 – $431 = $47,569 total unreimbursed medical expenses
$12,000 income - $47,569 expenses = June has $0 countable income.
Thus, Mary would be eligible for the maximum benefit of $1,149 per month to help her children pay for the assisted living facility.
What are the Asset Requirements for Aid and Attendance?
Net Worth (the value of your assets) also affects eligibility. VA pensions are a need–based benefit, and a large net worth might affect your eligibility. All personal goods are exempt from the net worth. These goods include the home you live in, a vehicle used for the care of the claimant, and household goods and personal effects such as clothes, jewelry and furniture. Unfortunately, there is no asset limit set by law, and the determination of eligibility can be made at the discretion of a VA caseworker.
How do You Apply for Veterans Affairs Benefits?
Applying for VA pension is often complicated and may take some time. It is a good idea to keep copies of all unreimbursed medical bills for at least twelve months. The average wait for approval is six months. However, the benefits are retroactive to the date of application.
There are several ways you can apply for non–service connected pensions:
You can contact the VA at 1–800–827–1000.
You can apply online at: https://www.ebenefits.va.gov/
Veteran's applying for the first time can download the "VA Form 21–526, Veteran's Application for Compensation and/or Pension" at http://www.va.gov/vaforms/search_action.asp and send the completed application to the VA regional office that serves your county (listed below). If you have applied for pension, compensation or Dependency and Indemnity Compensation (DIC) in the past there may be other applications you can use (i.e. VA Form 21–527).
Surviving spouse's applying for the first time can download the "VA Form 21–534, Application for Dependency and Indemnity Compensation, Death Pension and Accrued Benefits by Surviving Spouse or Child" download from the link above and send the completed application to the VA regional office that serves your county. If you have applied for pension, compensation or DIC in the past there may be other applications you can use (i.e. VA Form 21–0518 or 21–0519).
What Documents are needed to apply for Aid and Attendance?
The veteran or surviving spouse will need to gather the following VA Forms (Forms can be found at http://www.va.gov/vaforms/) before applying for benefits:
In addition to the VA forms, an applicant will need to gather the following documents:
Status of a pending claim
How can I check on the status of my pending
claim? can I check status online ?
You can use the eBenefits portal to check the status of your claim online if you are an eBenefits Premium (Level 2) account holder. To determine the status of your pending claim, login to your eBenefits account (https://www.ebenefits.va.gov) and select My eBenefits. On the "Compensation" tab, select Compensation & Pension Claims Status to view your claim status. You can also call 1-800-827-1000 and follow the recorded instructions, or you can contact VA and fill out the Ask A Questionform. If you are not an eBenefits account holder, you can visit the eBenefits Registration page at https://www.ebenefits.va.gov/ebenefits-portal/ for information on how to establish an account.
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