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Can VA Benefits Help Cover Long-Term Care?

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It is a complicated matter for military veterans to use their Department of Veterans Affairs benefits to cover long-term care costs. An underused pension benefit known as Aid and Attendance can provide some money to cover costs for assistance performing everyday tasks. Aid and Attendance benefits may even be available to veterans with incomes above the eligibility limit if they have a large enough medical expense(s) for which they receive no reimbursement. 

VA benefits also pay for those veterans without service-related disabilities but who cannot pay the cost for necessary care if their income level does not exceed eligibility requirements. Aid and Attendance as a pension benefit are available to those veterans who served a minimum of ninety days with at least one day during wartime. However, the veteran did not have to see actual combat. Find out about eligibility requirements here at the va.gov website. All VA benefits have a service requirement to qualify for long-term care, and the veteran applicant must have an honorable or general discharge to qualify for these benefits.

Typically, long-term care services occur in veterans’ home settings as care in facilities is limited due to availability, staffing issues, and an overall failure of the US long-term care marketplace to provide quality long-term facility care at reasonable prices. At-home care has two programs that help veterans. 

What are Veteran Aid and Attendance Benefits?

The first, as mentioned, is Aid and Attendance Benefits (A&A Benefits) coupled with Housebound allowance. This program provides cash to eligible veterans with disabilities and their surviving spouses to purchase at-home and community-based services. These services include caregiver assistance and personal care. The cash is a supplement to existing eligible veterans’ pension benefits.

What is the Veteran Directed Care Program?

The second is the Veteran Directed Care Program, providing veterans with a flexible budget for purchasing services like counseling or other support provided by the Aging Network in partnership with the VA. The program is available to veterans of all ages who need at-home and community-based services in a consumer-directed way and provide help with daily living activities and more.

While not all long-term care provision is in a home setting, many veterans are most comfortable receiving aid in their own homes, mainly if a spouse or other family member is available for ad hoc caregiving.  For those veterans who live alone, a nursing home, assisted living center, adult health center, or private homes where caregivers support a small group of veterans may be a better solution. Some of these facilities will be run directly by the VA, while others are VA-approved state or community organizations.

Long-term care services for qualifying sick or disabled veterans include:

  • 24/7 nursing and medical care
  • Help with activities of daily living (ADLs) such as bathing, personal care, dressing, taking medications, and making meals
  • Pain management and comfort care
  • Caregiver support

Planning for long-term care through VA benefits is a complex set of tasks. The most comprehensive and best solutions generally come from elder law attorneys who specialize in VA benefits. In addition to VA long-term care benefits, your attorney may be able to ensure additional services not covered by the VA but may be available through Medicare, Medicaid, or a private insurance policy. Your attorney also understands techniques of transferring wealth, including the three-year look-back rule and how it affects a veteran’s eligibility for VA long-term care benefits.

The Importance of Long-term Care Planning for Veterans

According to Forbes, many veterans miss out on long-term care benefits with a mere five percent application rate for the assistance funds because veterans are unaware of the programs. Knowing about the programs and if you qualify, locating the necessary paperwork, filling it out, and filing applications can be daunting. Incorrectly filed applications can delay the process of receiving benefits. VeteranAid.org is an online free resource for veterans and their surviving spouses and families. The website details A&A Pension Benefits and how to apply.

If you are a veteran or have a loved one who is a veteran, it is imperative to maximize all long-term care benefits due to them for their military service. The sooner you can identify what is available to you, the quicker you can fill out the applications and get the process of receiving VA long-term care benefits moving forward. As with all long-term planning, you will typically have a better outcome if you address the situation early. Please contact our Ruston, LA office by calling us at (318) 255-1760 or schedule an appointment to discuss the assistance funds that may be due to you for long-term care.

VA Benefits for Aging Louisiana Veterans

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The US Census Bureau reports that more than 18.2 million veterans live in the United States, and 38 percent of them are 65 and older. Additionally, the Census Bureau reports that more than 9 million veterans receive services from the Department of Veteran’s Affairs (VA) annually. If you are a veteran or have a loved one who is, it is important to understand all the VA benefits and aid that is available. Beyond education programs, home loans, and job search and training resources, the VA also provides a host of other resources to assist you as you transition to your retirement years.

Wartime Veterans Supplemental Income (Veterans Pension)

Supplemental income is available for wartime veterans through the VA pension benefit. If you served at least 90 days of active duty before September 7, 1980, or 24 months after that date, or served the full period for which you were summoned or ordered to active duty with at least one day of wartime, you may qualify.  You must have also been discharged under conditions other than dishonorable. There are strict income and asset requirements attached to this benefit as well as the survivors’ pension and the housebound or aid and attendance allowance discussed below.

Survivors pension

If your late parent or spouse served during wartime, you might qualify for the survivor’s pension. This tax-free program provides relief for unmarried children or a widow or widower who has low income. The deceased military veteran must have served a minimum of 90 days active service with a minimum of one day served during a period of wartime before September 7, 1980, and been dishonorably discharged. After that September date, the deceased veteran must have served a minimum of 24 months or the full period summoned or ordered to serve active duty. Pensions are based on annual family income and under a designated amount set by Congress. More details regarding military pension eligibility are found on the VA website.

Housebound Allowance and Aid & Attendance VA Benefits

If you are eligible for or are already receiving a veterans’ pension, you may qualify for additional monetary benefits. If you are permanently disabled and must remain in your current home, the Housebound Allowance will increase your monthly pension. Aid & Attendance (A&A) will compensate a veteran who is either residing in a nursing home, bedridden, requires assistance for activities in their day to day life, or whose eyesight problems meet specific thresholds of degradation. More details for Housebound Allowance and A&A eligibility can be found on the VA website.

Veterans Life Insurance Options

There is a wide variety of life insurance offerings through the Veterans Administration. Servicemembers’ Group Life Insurance (SGLI, VA form SGLV8286) is a group term life insurance that is low cost and is automatic for most active-duty service members. It is also available for those veterans who serve at least 12 periods of inactive training per year with the Ready Reserve or the National Guard. Other automatic qualifiers include belonging to the Commissioned Corps of the National Oceanic and Atmospheric Administration or the Public Health Service, and for midshipmen and cadets of the US military academies and ROTC members. You can extend the coverage up to two years if you are fully disabled at separation. Veterans’ Group Life Insurance (VGLI, VA form SGLV 8286A) allows you to convert your SGLI to a civilian program of lifetime renewable term coverage after leaving military service.

Family Servicemembers’ Group Life Insurance

If you qualify for SGLI, your spouse and children are qualified for Family Servicemembers’ Group Life Insurance (FSGLI, VA form SGLV 8286A). This insurance covers your dependent children free of charge, although the coverage for your spouse cannot surpass your amount of coverage.

Servicemembers’ Group Life Insurance Traumatic Injury Protection

If you sustain a traumatic injury during your service that leads to amputation, blindness, or paraplegia, you qualify for benefit payments made through Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI, VA form SGLV8600).

Service-Disabled Veterans’ Life Insurance

The Service-Disabled Veterans’ Life Insurance (S-DVI, VA Form 29-4364) coverage is provided to veterans who have been given a VA rating for what is called a new service-connected disability within the past two years. Coverage is free for eligible veterans who are fully disabled, and you can purchase additional life insurance.

Veterans’ Mortgage Life Insurance

As a veteran, if you are disabled and approved for a VA Specially Adapted Housing (SAH) grant, you may receive mortgage life insurance coverage through the Veterans’ Mortgage Life Insurance (VMLI, VA Form 29-8636).

This link takes you to an overview of these VA insurance benefits. You can click on the insurance program by name and be automatically redirected to the appropriate VA web page for that benefit.

Disability Compensation

Tax-free Dependency and Indemnity Compensation (DIC, VA Form 21-534EZ) is available to veterans who sustain or aggravate an injury or disease during their active service. The disability may include physical and mental health issues and secondary or related items diagnosed after your discharge. Your child may be eligible for DIC if they are not included in the spouse’s DIC, and there is an income-based DIC for parents. A disability can also qualify you for a higher, tax-free Special Monthly Compensation if you are housebound and need special assistance or have trouble performing daily living activities. Additionally, housing and insurance benefits through the VA, like Veterans’ Mortgage Life Insurance, Service-Disabled Veterans’ Insurance, and Adapted Housing Grants may be available.

Geriatrics and Extended Care Services

The Geriatrics and Extended Care Services (GEC) provides help to veterans with life-limiting illnesses, multiple chronic conditions, or disabilities associated with aging, injury, or chronic disease. The GEC will assist a veteran living at home or in a nursing home, assisted living, or other residential community care facilities. GEC services include home health aide care, daily care, telehealthcare, palliative care, respite care, hospice care, and even veteran-directed care.

Military Burial

Veteran, burial benefits include a gravesite in a national veteran’s cemetery, a government marker or headstone, the opening and closing of that grave and its perpetual care, and a Presidential Memorial Certificate. The marker, headstone, burial flag, and certificate are provided at no cost to the veteran. Additionally, dependents and spouses buried in a national veteran’s cemetery may also qualify for some benefits such as burial with the veteran, inscription on their headstone, and perpetual care. For a complete description of your veteran benefits, check this VA website link.

Percentages of veterans receiving benefits:

  • 25-34 years 24.7 percent
  • 36-44 years 21.5 percent
  • 45-54 years 25.8 percent
  • 55-64 years 19.8 percent
  • 65-74 years 5.0 percent
  • 75+ years 1.3 percent

If you are a veteran or have a loved one who is, it is crucial to understand that veteran resources go far beyond career and end-of-life issues. Many veterans are not taking full advantage of VA offerings. Many VA age-related programs can benefit a veteran’s life beyond simply planning their future care. Become acquainted with the many options available and determine which programs you qualify for and best serve your interests. With so many benefits available through the VA, you can improve your living situation during your retirement.

The overview is just a summary of what may be available to a wartime veteran or a veteran who is disabled as a result of their prior service. If you or a loved one would like to explore whether you are eligible for benefits, please don’t hesitate to reach out. Please contact our Ruston, LA office by calling us at (318) 255-1760 and schedule an appointment to discuss how we can help.