VA Benefits for Assisted Living Care
The Aid & Attendance program provides eligible veterans or their surviving spouses VA benefits for assisted living care.
We are privileged to include veterans from all five branches of the military service among our residents at MorningStar. Words fail us when we hear their stories of raw courage and self-sacrifice—all in the name of Country and Honor and Duty.
As we come to know new families interested in MorningStar Senior Living, and learn of their veteran status, we are pleased to direct them to local resources that can ease and quicken the application process for “Aid & Attendance,” the monthly benefit payments extended through the U.S. Department of Veteran Affairs to certain wartime Veterans (and their spouses) who meet certain qualifications. The funds received can be used to pay for senior living.
VA Benefits for Assisted Living are Tax-Free
The information below is meant to provide an overview of the potential benefits. We advise speaking with an Accredited VA Agent prior to submitting an application. A denied claim can cause delays in receiving funds and could be difficult to overturn..)
This Special Pension will pay up to: $2,084/mo for Veteran with Spouse; $1,758/mo for single Veteran; $1,130/mo for Surviving Spouse; $2,790/mo for two Married Veterans; $1,380/mo for when Veteran is healthy and the Spouse requires care. Funds can be used to pay for any kind of assistance, including assisted living. The pension is a tax-free benefit paid directly to the qualified applicant. The National Care Planning Council (www.longtermcarelink.net) estimates that up to 25% of seniors could potentially apply for Aid & Attendance.
The 2020 maximum monthly benefits for qualifying applicants are:
- Surviving Spouse of a Veteran: $1,228
- Veteran with no Spouse or dependent children: $1,911
- Married couple where the Veteran requires care: $2,266
- Veteran is healthy but Spouse requires care: $1,500
The pension is a tax-free benefit paid directly to the qualified veteran or spouse. The monthly benefits are subject to change annually. The National Care Planning Council (www.longtermcarelink.net) estimates that up to 25% of seniors could potentially apply for Aid & Attendance.
To qualify for “Aid & Attendance”, the Veteran or surviving spouse must demonstrate a regular need for caregiver assistance or the need to live in a protected environment because of physical or mental impairment. This assistance is commonly provided in a licensed assisted living or memory care community.
The following four areas are reviewed to determine Aid & Attendance eligibility:
- Military Service – Factors include active duty dates and discharge type
- Health/Medical – Claimant must need assistance with Activities of Daily Living or be in need of regular supervision
- Income – Household income should be less than the care costs and medical expenses
- Net Worth/Asset Limit – Asset limit for 2020 is $129,094, which is equal to the Maximum Federal Community Spouse Resource Allowance defined by Medicaid.
Assistance with the complex application is best given by accredited VA agents. Accreditation is granted by the VA to representatives, agents and attorneys to assist claimants in the preparation, presentation and prosecution of claims.
Every state has a Department of Military/Veteran Affairs staffed with Veteran Service Officers (VSOs). Their assistance in completing the lengthy Aid & Attendance application is free of charge. When done properly, the process takes 4-7 months.
There are also independent, accredited A&A benefits consultants who charge a flat, one-time fee (typically around $750). Typically, such consultants offer a one-hour free consultation at which families should have handy their financials and discharge papers.
To learn more or to be connected with an Accredited VA Agent, call Elderlife Financial at 888.228.4500.
The MorningStar Senior Living Company exemplifies the best in senior living with a unique mission statement “to honor, to serve, to invest.” Our foundation is built on honoring God, valuing all seniors and hiring staff with a felt calling to serve to create true homes for residents amid a beautiful, serene setting. Please contact us for more information about VA benefits for assisted living.