Long-Term Care Benefits for Veterans and Surviving Spouses
Jo-Anne Jeffreys, Elder Law Attorney
May 13, 2021
Florida - Southwest
Email US
Click to Email Us
Long-term care costs can add up quickly. For veterans and the surviving spouses of veterans who need in-home care or are in a nursing home, help may be available.
The Veterans Administration (VA) has an underused pension benefit called Aid and Attendance that provides money to those who need assistance performing everyday tasks. Even veterans whose income is above the legal limit for a VA pension may qualify for the Aid and Attendance benefit if they have large medical expenses for which they do not receive reimbursement.
Aid and Attendance is a pension benefit, which means it is available to veterans who served at least 90 days, with at least one day during wartime. The veteran does not have to have service-related disabilities to qualify. Veterans or surviving spouses are eligible if they require the aid of another person to perform an everyday action, such as bathing, feeding, dressing, or going to the bathroom. This includes individuals who are bedridden, blind, or residing in a nursing home.
To qualify a veteran (or spouse) must have a net worth limit of $130,773(in 2021), which will increase each year with cost-of-living adjustments. But in the case of the VA, this number will include both the applicant's assets and income. It will be indexed to inflation in the same way that Social Security increases. An applicant's house (up to a two-acre lot) will not count as an asset even if the applicant is currently living in a nursing home. Applicants will also be able to deduct medical expenses from their income. This can include Medicare, Medigap, and long-term care insurance premiums; over-the-counter medications taken at a doctor's recommendation; long-term care costs, such as nursing home fees; the cost of an in-home attendant that provides some medical or nursing services; and the cost of an assisted living facility. These expenses must be unreimbursed (in other words, insurance must not pay the expenses). The expenses should also be recurring, meaning that they should recur every month.
There is also a three-year look-back to determine if the veteran transferred assets in order to qualify for benefits. Applicants will have to disclose all financial transactions they were involved in for three years before the application. Applicants who transferred assets to put themselves below the net worth limit within three years of applying for benefits will be subject to a penalty period that can last as long as five years. This penalty is a period of time during which the person who transferred assets is not eligible for VA benefits. There are exceptions to the penalty period for fraudulent transfers and for transfers to a trust for a child who is unable to "self-support."
The VA will determine a penalty period in months by dividing the amount transferred that would have put the applicant over the net worth limit by the maximum annual pension rate(MAPR) for a veteran with one dependent in need of aid and attendance. For example, assume the net worth limit is $130,773 and an applicant has a net worth of $117,773. The applicant transferred $30,000 to a friend during the look-back period. If the applicant had not transferred the $30,000, his net worth would have been $147,773, which exceeds the net worth limit by $17,000. The penalty period will be calculated based on $17,000, the amount the applicant transferred that put his assets over the net worth limit (147,773-130,773).
Annual Pension Rate (MAPR). Following are the MAPRs for 2021:
Single veteran-$23,238
Veteran with one dependent-$27,549
Single surviving spouse-$14,934
Surviving spouse with one dependent-$17,815
How it works. The amount a person receives depends on his or her income. The VA pays the difference between the veteran's income and the MARP. John, a single veteran, has income from Social Security of $16,500 a year and a pension of $12,000 a year, so his total income is $28,500 a year. He pays $20,000 a year for home health care, $1,122 a year for Medicare, and $1,788 a year for supplemental insurance, so his total medical expenses are $22,910. Subtracting his medical expenses from his income ($28,500 - $22,910), John's countable income is $5,590. John could qualify for $17,648($23,238 - $5,590) in Aid and Attendance benefits.
To find out if you are eligible for Aid & Attendance benefits, please contact us for a consultation. Jo-Anne Herina Jeffreys is a VA Certified Attorney.
Other Articles You May Like
Long, Successful Career Helps Philanthropist Support his Community
Jerry F. Nichols is a stellar example of continuing to work and support his community long after many have retired.At age 79, he continues to serve as full-time executive vice president of Brown & Brown Insurance and financial representative for Northwestern Mutual. Also, for many decades, Nichols has quietly set an inspiring example through philanthropy, dedicated to improving the lives of children and working adults in Southwest Florida.Combining his career success and philanthropy is something Nichols was recognized for five times by the Northwestern Mutual Financial Network. Nichols was also named a Junior Achievement Hall of Fame Laureate, which honors influential, visionary leaders who have significantly impacted the educational landscape for youth in Southwest Florida in entrepreneurship, work readiness and financial literacy.Late last year, Nichols solidified this commitment to the community by making the first major donation to Healthcare Networks capital campaign. This donation will support the construction of the nonprofit organizations planned 20,000-square-foot health center in the Orangetree area of Golden Gate Estates, ensuring essential access to affordable healthcare for the community.The Orangetree area has grown over 75% in the last several years, which makes the lack of healthcare services alarming, said Jamie Ulmer, Healthcare Network president and CEO. Jerrys continued support of our mission is a testament to his generosity and commitment to making Collier County a healthier place for everyone.Located in northeastern Collier County between Ave Maria and Golden Gate, the planned health center is projected to provide care to nearly 30,000 patients in its first year. The array of comprehensive services will include pediatrics, adult and senior care, obstetrics and gynecology, dental care, x-ray and lab, behavioral health counseling and a drive-thru pharmacy.I believe health care is vital to keeping any community thriving, Nichols said. Everyone should have access to essential primary care services. Supporting the construction of the new health center means that Orangetree residents, including vulnerable children and seniors, have access to affordable and comprehensive care without needing to leave their own community.In 2018, Nichols received Healthcare Networker of the Year Award for his pivotal role in supporting the improvement of pediatric care in Collier County for thousands of area children. Then, he was recognized as the lead donor for the Nichols Community Health Center, a 50,000-square-foot primary health care facility in the heart of the Golden Gate community that opened in 2020. This center significantly enhanced essential healthcare services for the largest underserved population in Collier County. Along with the Nichols Pediatric Center at the YMCA of Collier County, it reinforces Nichols vision of making quality healthcare accessible to all children and their families in Southwest Florida.Nichols has not only made financial contributions but has also dedicated his time to numerous causes, primarily focusing on local children and education. Some of the many not-for-profit organizations supported by him include the Boys and Girls Club of Collier County, Junior Achievement of Southwest Florida, the Community Foundation of Collier County, the Ronald McDonald House of SWFL, and Healthcare Networks Ronald McDonald Care Mobile. In addition, Nichols provides support to various Lee Health programs, including Golisano Childrens Hospital, Golisano Childrens Health Center in Naples, and Golisanos Pediatric Behavioral Health Center in Bonita Springs. I have focused my efforts and financial support on organizations that have an impact on childrens lives through education, access to health care, and safe environments that help them grow and develop into their full potential, Nichols said. When children arent healthy, theyre not reaching their full potential. Healthcare Network is actively seeking contributions for its capital campaign with the goal of raising $15 million. Community support is pivotal to achieving this goal and ensuring that every resident in Collier County has access to essential primary care services. Visit HealthcareSWFL.org to learn more about Healthcare Network's mission and contribute to the capital campaign. By Gabrielle OBoyle, director of public relations and marketing, Healthcare Network
HomeWell Care Services Plano, TX Shines Our Employee Spotlight on Community Relations Manager, Jerry Gorman!
This month, we shine our Employee Spotlight on Community Relations Manager, Jerry Gorman!Jerry is a senior living professional with over 35 years of sales, marketing, operations, and management experience. He is a servant-driven leader focused on helping his clients live their best lives by understanding their needs and exceeding their expectations.Jerry most recently worked in Senior Living as a Community Sales Director and Executive Director for many years before joining HomeWell Care Services in June of 2022 as the Community Relations Manager serving the North Dallas area.His responsibilities include creating positive brand awareness, networking with professional organizations, building relationships with senior living communities, churches, rehabilitation centers, adult senior centers, hospitals, and more that will result in long-lasting community partnerships, and keeping our home care services top of mind within the community we serve.Thank you, Jerry, for being an amazing professional. You are an asset to our companys continuing growth and make a difference in the lives of your clients and HomeWell Care Services Plano, TX! If you or an aging loved one are considering home care in Plano, TX, contact the caring staff at HomeWell Care Services Plano TX today!Call (469) 596-6500HomeWell Care Services Plano TX is a Trusted Home Care Agency serving Plano, Allen, McKinney, Frisco, Richardson, Garland, Little Elm, Prosper, and the surrounding areas.
Long, Successful Career Helps Philanthropist Support his Community
Nearly 50 years as a financial and insurance executive results in decades of community supportBy Gabrielle OBoyle, director or public relations and marketing, Healthcare NetworkJerry F. Nichols is a stellar example of continuing to work and support his community long after many have retired.At age 79, he continues to serve as full time executive vice president of Brown & Brown Insurance and financial representative for Northwestern Mutual. Also, for many decades, Nichols has quietly set an inspiring example through philanthropy, dedicated to improving the lives of children and working adults in Southwest Florida.Combining his career success and philanthropy is something Nichols was recognized for five times by the Northwestern Mutual Financial Network. Nichols was also named a Junior Achievement Hall of Fame Laureate, which honors influential, visionary leaders who have significantly impacted the educational landscape for youth in Southwest Florida in entrepreneurship, work readiness and financial literacy.Late last year, Nichols solidified this commitment to the community by making the first major donation to Healthcare Networks capital campaign. This donation will support the construction of the nonprofit organizations planned 20,000-square-foot health center in the Orangetree area of Golden Gate Estates, ensuring essential access to affordable healthcare for the community.The Orangetree area has grown over 75% in the last several years, which makes the lack of healthcare services alarming, said Jamie Ulmer, Healthcare Network president and CEO. Jerrys continued support of our mission is a testament to his generosity and commitment to making Collier County a healthier place for everyone.Located in northeastern Collier County between Ave Maria and Golden Gate, the planned health center is projected to provide care to nearly 30,000 patients in its first year. The array of comprehensive services will include pediatrics, adult and senior care, obstetrics and gynecology, dental care, x-ray and lab, behavioral health counseling and a drive-thru pharmacy.I believe health care is vital to keeping any community thriving, Nichols said. Everyone should have access to essential primary care services. Supporting the construction of the new health center means that Orangetree residents, including vulnerable children and seniors, have access to affordable and comprehensive care without needing to leave their own community.In 2018, Nichols received Healthcare Networker of the Year Award for his pivotal role in supporting the improvement of pediatric care in Collier County for thousands of area children. Then, he was recognized as the lead donor for the Nichols Community Health Center, a 50,000-square-foot primary health care facility in the heart of the Golden Gate community that opened in 2020. This center significantly enhanced essential health care services for the largest underserved population in Collier County. Along with the Nichols Pediatric Center at the YMCA of Collier County, it reinforces Nichols vision of making quality healthcare accessible to all children and their families in Southwest Florida.Nichols has not only made financial contributions but has also dedicated his time to numerous causes, primarily focusing on local children and education. Some of the many not-for-profit organizations supported by him include the Boys and Girls Club of Collier County, Junior Achievement of Southwest Florida, the Community Foundation of Collier County, the Ronald McDonald House of SWFL and Healthcare Networks Ronald McDonald Care Mobile. In addition, Nichols provides support to various Lee Health programs, including Golisano Childrens Hospital, Golisano Childrens Health Center in Naples, and Golisanos Pediatric Behavioral Health Center in Bonita Springs. I have focused my efforts and financial support on organizations that have an impact on childrens lives through education, access to health care and safe environments that help them grow and develop into their full potential, Nichols said. When children arent healthy, theyre not reaching their full potential. Healthcare Network is actively seeking contributions for its capital campaign with the goal of raising $15 million. Community support is pivotal to achieving this goal and ensuring that every resident in Collier County has access to essential primary care services. Visit HealthcareSWFL.org to learn more about Healthcare Network's mission and contribute to the capital campaign.