Veterans face unique challenges when paying for long-term care. Fortunately, several benefits help ease this financial burden. Veterans’ benefits cover the costs of home care, assisted living, or nursing facilities, depending on their needs and eligibility.
Aid and Attendance benefits
The Aid and Attendance (A&A) benefit provides an additional monthly payment to help veterans pay for long-term care services. Veterans or their surviving spouses who need help with daily activities, such as bathing, dressing, or eating, qualify. A&A benefits cover home care, nursing home expenses, or assisted living facility costs.
Housebound allowance
Veterans who cannot leave their homes due to a permanent disability qualify for a Housebound Allowance. This benefit provides extra financial assistance for those needing in-home care. While it cannot be combined with A&A benefits, it offers another option for veterans who need help covering long-term care costs at home.
VA health care benefits
The Department of Veterans Affairs (VA) provides health care services that include long-term care options. Veterans with service-connected disabilities or low income receive care in VA nursing homes, community living centers, or through home-based programs. VA health care offers a cost-effective way to access quality long-term care services.
Planning for long-term care
Planning is essential to make the most of veterans’ benefits. Veterans and their families should gather necessary documents, including service records and medical information, and consult with an elder law attorney or VA-accredited representative. They guide families through the application process and ensure veterans receive the benefits they deserve.
Understanding and utilizing veterans’ benefits significantly reduces the financial strain of long-term care. Veterans have served their country, and these benefits help ensure they receive the care and support they need in their later years.