Affording in-home care can be challenging. Many people assume that Medicare will cover their home care needs, but that isn’t the case. Most non-medical home care services are paid for out of pocket. In our last blog, we posted a few tips on how to use private funds to pay for home care. If your loved one or his or her spouse is a veteran, however, there is another possible way to help provide funds for care.
Veterans and their spouses may be eligible for benefits to help with the cost of care in the home through the Veterans’ Aid and Attendance program. However, those applying must meet certain qualifications to receive these benefits. For instance, the veteran must:
- Have received an honorable or general discharge
- Have doctor’s orders stating he or she needs the aid and assistance of others daily
- Meet financial requirements
- Have served 1 day during an active war and had no less than 90 days of service
- The surviving spouse of a veteran may also qualify providing he or she was still married to the veteran at the time of the veteran’s death.
Housebound benefits are another route that veterans can take when applying for funds for home care. Housebound is a benefit paid in addition to a monthly pension. Like the Aid and Attendance benefit, Housebound benefits may not be paid without eligibility to pension. A veteran may be eligible for Housebound benefits when:
- The veteran has a single permanent disability evaluated as 100 percent disabling AND, due to such disability, he/she is permanently and substantially confined to his/her immediate premises, OR,
- The veteran has a single permanent disability evaluated as 100 percent disabling AND, another disability, or disabilities, evaluated as 60 percent or more disabling.
A veteran cannot receive both Aid and Attendance and Housebound benefits at the same time, and must be receiving a monthly pension in order to quality for either of these additional benefits.
If you have a loved one who needs assistance with funding home care who may be eligible for veterans’ benefits, contact North River Home Care. We’ll be happy to help your family explore all your options for funding the care you need.