Using VA Benefits to Pay for Long-Term Care

Can navy veterans use their Division of Veterans Affairs advantages to assist pay for long-term care?

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The reply, as with most issues governmental, is sophisticated. However normally, in accordance with the Administration for Neighborhood Dwelling, an company of the U.S. Division of Well being and Human Companies, the VA pays for long-term look after service-related disabilities and for sure different eligible veterans, in addition to different well being packages reminiscent of nursing dwelling and at-home look after growing old veterans who want long-term care.

“For those who qualify and are eligible, a certain quantity of (long-term care) can be lined by the Veterans Well being Administration,” says John Mastronardi, govt director of The Nathaniel Witherell, a short-term rehab and expert nursing care heart in Greenwich, Connecticut. “If you’re a veteran, and I can relate this to my dad, you possibly can apply for advantages.”

The VA additionally pays for veterans who would not have service-related disabilities, however who’re unable to pay for the price of needed care, the company says. Copays might apply relying on the veteran’s earnings degree.

The VA additionally has two packages to assist veterans obtain at-home care:

  • VA Help and Attendance advantages and Housebound allowance present money to eligible veterans with disabilities and their surviving spouses to buy dwelling and community-based long-term care companies, together with private care and caregiver help. The money is a complement to the eligible veteran’s pension advantages.
  • The Veteran Directed Care Program supplies veterans with a versatile price range to buy companies, counseling and different help supplied by the Getting old Community in partnership with the VA.

VA Protection for Lengthy-Time period Care

In line with the VA, long-term care companies for sick or disabled veterans embody:

  • 24/7 nursing and medical care.
  • Bodily remedy.
  • Assist with day by day duties, reminiscent of bathing, dressing, making meals and taking drugs.
  • Consolation care and ache administration assist.
  • Help for caregivers who may have expert assist or a break to allow them to work, journey or run errands.

Veterans can entry this care in a number of completely different places. Some are run by the VA, whereas others are VA-approved state or neighborhood organizations. These settings might embody:

  • Nursing houses.
  • Assisted residing facilities.
  • Non-public houses the place a caregiver helps a small group of people.
  • Grownup day well being facilities.
  • Veterans’ personal houses.

How you can Entry LTC Companies

The VA says that, to make use of a number of of those companies, veterans should meet all the necessities under:

  • The veteran has signed up for VA well being care.
  • The VA confirms that the veteran wants a selected service to assist with ongoing remedy and private care.
  • The service or house within the care setting is on the market close by.

Different elements, reminiscent of service-connected incapacity standing or insurance coverage protection, may be thought-about for entry to companies.

The VA covers a few of these companies underneath its customary well being advantages underneath VA well being care. A copay could also be required for some lined companies.

Different companies aren’t lined underneath VA well being care advantages, however they might be lined by way of Medicaid, Medicare or a personal insurance coverage coverage.


Eligibility for long-term care companies, supplied in any long-term care setting, can be decided primarily based on the veteran’s want for ongoing remedy, private care and help, and primarily based on the provision of the service in his or her location, the VA says. Monetary standing, service-connected (VA incapacity) standing, insurance coverage protection and/or the flexibility to pay may apply, it says.

As soon as the veteran is enrolled in VA well being care, the VA will overview his or her service-connected incapacity standing and earnings to find out if a copay for VA well being care companies and VA long-term care companies will apply. The VA states that long-term care copays are completely different from customary VA well being care copays as a result of they don’t seem to be charged till the twenty second day of care. Copays usually are not charged for any hospice care. Nevertheless, the VA is required by legislation to invoice any medical insurance that the veteran might have (besides Medicare) for remedy of situations that aren’t linked to service. These funds might cut back the VA copays, the VA says.

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