For more information about the author, click to view their website: ComForCare Home Care
As our loved ones age, it can become increasingly difficult for them to live independently. This is especially true for veterans, who may have unique health needs related to their service. Fortunately, there are resources available to help veterans and their families navigate the challenges of aging and stay at home longer with home care services.
Only a fraction of veterans or their spouses take advantage of their VA benefits to help pay for the cost of senior care. Many don’t realize that these funds are available, and still others have trouble navigating the often confusing and time-consuming process of applying and qualifying for these funds.
At ComForCare, we’re dedicated to helping older adults remain happily at home for as long as possible. Let’s discuss everything families need to know about veteran home care and how to get the benefits they deserve.
Many veterans know that they can have home healthcare services covered by the Department of Veterans Affairs. However, did you know you can also qualify for help paying for non-medical home care services? Sometimes known as companion care or homemaker services, this type of assistance helps veterans live at home for longer.
With an in-home care service, experienced caregivers help older adults with activities of daily living (ADLs) such as:
At ComForCare, going above and beyond is par for the course: our caregivers develop real relationships with their clients, providing much more than basic services alone. We’re in the business of making a difference in the lives of older adults, becoming an active, meaningful part of their overall care and well-being.
There are many sources of VA funds to help seniors cover the cost of care, including the VHA Standard Medicaid Benefits Package. Let’s talk about two of the main benefit programs available to veterans that you may not know about: the Aid & Attendance Pension Program and the Veteran-Directed Care Program.
Designed to supplement the cost of long-term care for veterans and surviving spouses, this program is ideal for veterans already receiving a pension. As long as a veteran has reached the age of 65 and/or has at least two ADLs (help with bathing, dressing, etc.), they can qualify.
Aid and Attendance benefits and the Housebound allowance provide extra income to a VA pension to help pay for care.
Additional income and asset limits do apply, though these can have complex caveats.
The Veteran-Directed Care program offers a budget for approved senior care services, rather than a direct increase in pension. With the help of a counselor, veterans manage this budget and choose their own providers. There are no age, asset, or income limits to this benefit—the veteran simply must qualify for home and community-based services.
With this program, veterans and their spouses can choose to spend their benefit money on services such as:
Overall criteria depend on the source of funding. For example, the Aid & Attendance benefit has stricter requirements than the Veteran-Directed Care Program. Eligible individuals:
These guidelines are general, and additional requirements, such as asset and income limits, may apply. However, if you believe you or your family member meets the above criteria, don’t give up hope if you run into problems with these net worth limits.
The team at ComForCare can help you navigate these nuances and find out which programs you are eligible for. We’re here to ensure that you aren’t leaving money on the table when it comes to in-home senior care!
Too many veterans don’t get the help they need because they either don’t realize these benefits are available to them or get overwhelmed in the application process. Receiving your benefits can feel like an uphill battle, but you are not alone. At ComForCare, we’re proud to serve veterans, helping them confirm their eligibility, gather the necessary documentation, and navigate the VA system.
If you or a loved one needs assistance to continue living at home safely, talk to ComForCare today for personalized guidance! Let us match you with your perfect caregiver today.
At ComForCare, we’re on a mission to help older adults live their best life possible while aging safely at home. Our teams are made of passionate caregivers who are ready to prioritize your loved one’s well-being. Don’t let confusing processes or unclear eligibility criteria stop your loved one from affording the care they deserve. Get in touch with us today to see how ComForCare can help your family!
Whether to enroll in Part B or use FEHB as primary coverage is a personal decision, based on your individual circumstances. You should look at the costs and benefits of each insurance plan and make the choice thats best for you.Federal Employee Health Benefits (FEHB)Cover current and retired government employeesAdministered by the U.S. Office of Personnel Management (OPM)Can be:Health Maintenance Organizations (HMOs): Have networks of providers that you usually must see. Out of network costs may be lower.Fee-for-service (FFS) plans: Allow you to see any medical provider, but you may have higher costs.When you become Medicare-eligible, you have a few options:Keep FEHB and turn down Medicare.Even if you have FEHB retiree coverage, it will continue to provide you with primary coverage if you dont enroll in Medicare. In this way, FEHB retiree coverage is different from most other retiree coverage.If you choose this option, consider turning down Medicare Part B but still enrolling in Part A. Part A is usually premium-free, meaning that you can have this additional coverage at no cost to you.Keep FEHB and enroll in Medicare.The two will work together to cover your health care costs, but you will owe premiums for both.Disenroll from FEHB and enroll in Medicare.You might not be able to enroll in FEHB again in the future if you change your mind.For a full list of questions to ask yourself when choosing the option that is best for you and more on identifying billing errors download this helpful handout by the Medicare Rights Center.Who to contact for more information: Contact your State Health Insurance Assistance Program (SHIP) if you want to discuss your Medicare enrollment options with a Medicare counselor. Contact your Senior Medicare Patrol (SMP) if you may have experienced Medicare fraud, errors, or abuse. In Southwest Florida it is 866-413-5337 or email shineinfo@aaaswfl.org. Contact the U.S. Office of Personnel Management (OPM) if youre a federal employee or retiree and want to learn more about FEHB. You can call 317-212-0454 or visit www.opm.gov/healthcare-insurance. Contact United States Postal Service (USPS) if you are a USPS employee, retiree, or eligible family member and need more information on PSHB. Current employees can visit www.liteblue.usps.gov and retirees can visit www.keepingposted.org.The Medicare Rights Center is the author of portions of the content in these materials but is not responsible for any content not authored by the Medicare Rights Center. This document was supported, in part, by grant numbers 90SATC0002 and 90MPRC0002 from the Administration for Community Living (ACL), Department of Health and Human Services, Washington, D.C. 20201. Grantees undertaking projects under government sponsorship are encouraged to express freely their findings and conclusions. Points of view or opinions do not, therefore, necessarily represent official Administration for Community Living policy. [April 2024]
Established in 1963, Older Americans Month (OAM) is celebrated every May. Led by a federal agency, the Administration for Community Living (ACL), OAM is a time to recognize older Americans contributions, highlight aging trends, and reaffirm commitments to serving the older adults in our communities.This years theme, Powered by Connection, focuses on the profound impact that meaningful connections have on the well-being and health of older adults a relationship underscored by the U.S. Surgeon Generals Advisory on the Healing Effects of Social Connection and Community.Its not just about having someone to chat with, its about the transformative potential of community engagement in enhancing mental, physical, and emotional well-being. By recognizing and nurturing the role that connectedness plays, we can mitigate issues like loneliness, ultimately promoting healthy aging for more Americans.How can community groups, businesses, and organizations mark OAM?Spread the word about the mental, physical, and emotional health benefits of social connection through professional and personal networks.Encourage social media followers to share their thoughts and stories of connection using hashtag #PoweredByConnection to inspire and uplift.Promote opportunities to engage, like cultural activities, recreational programs, and interactive virtual events.Connect older adults with local services, such as counseling, that can help them overcome obstacles to meaningful relationships and access to support systems.Host connection-centric events or programs where older adults can serve as mentors to peers, younger adults, or youths.What can individuals do to connect?Invite more connection into your life by finding a new passion, joining a social club, taking a class, or trying new activities in your community.Stay engaged in your community by giving back through volunteering, working, teaching, or mentoring.Invest time with people to build new relationships and discover deeper connections with your family, friends, colleagues, or neighbors.For free local events and services, visit our event calendar. For more information, visit the official OAM website and follow ACL on X, Facebook, and LinkedIn. Join the conversation on social media using the hashtag #OlderAmericansMonth.
Many people assume that their family members would automatically be able to make decisions about medical treatments if they were to become incapacitated. However, rules vary greatly from state to state:Your family may have to go through a costly and time-consuming court process to get the legal right to make medical decisions for you.Your family members may disagree on who should make medical decisions on your behalf, which could lead to legal disputes.Someone unfamiliar with your preferences may be placed in charge of your treatment choices.Its important to have a plan ahead of time to avoid disagreements around treatment issues and to ensure your wishes are honored if you are incapacitated. Advance directives, living wills, health care proxies, and powers of attorney can help ensure that decisions made on your behalf meet your needs and preferences.Important documents to have include:Health care proxy Names someone you trust as your proxy, or your agent, to express your wishes and make health care decisions for you if youre unable to speak for yourself.Living will A written record of the type of medical care you would want in specified situations.Advance directive Often refers to a combination including both a living will and health care proxy documents.Power of attorney Names someone you trust as your agent to make property, financial, and other legal decisions on your behalf.For detailed tips on preparing these documents download the Preparing for Future Health Care Needs handout by the Medicare Rights Center. To understand how Medicare covers hospice and for answers to other Medicare coverage questions, contact your State Health Insurance Assistance Program (SHIP). You can visit www.shiphelp.org or call your local SHINE Medicare Counselors at 1-866-413-5337.
ComForCare is a premier provider of in-home care with locations in U.S. and Canada. Our personalized care plans and compassionate caregivers help seniors live independently in their own home and continue to do all the things they love.We serve in any setting you call home, whether it is a private home, independent or assisted living community or skilled care facility.ComForCare Home Care- Bonita Springs provides in-home care services including Alzheimer's disease and dementia care, personal care, respite care for families, transition of care after a hospital or rehabilitation stay, chronic disease management, transportation, medication reminders, light housekeeping & laundry, shopping and errands, safety supervision, companionship and much more. Our services are available 24 hours a day, 365 days a year from compassionate caregivers who are experienced, trained, bonded and insured.The ComForCare mission is to improve the quality of life and level of independence for every client and family receiving our services.Preserve Quality of Life with Home Care ServiceComForCare offers a variety of in-home care services to fit the needs of you and your family. It is our goal to provide companionship and help with everyday activities to ensure your elderly loved ones can live safely and securely. Whether your loved ones health concerns are due to illness, injury, or aging, our personal home care packages and flexible scheduling allow your loved one to maintain a sense of freedom, dignity, and connection to friends and family. Seniors who choose to stay at home are often happier, healthier, and recover faster from illness or injury than those living in assisted living facilities. ComForCare is independent living with a little extra help! Experience True CaregivingOur health care professionals are not only highly qualified, but they are also highly compassionate and love what they do. Caregivers who meet our high standards and strict guidelines are screened for empathy, trained in senior care, and matched with clients based on their experience, skills, and compatibility. This unique approach to elder care provides the foundation for a trusted relationship between your loved one and the caregiver, and a long-lasting partnership in care between you and ComForCare. Dedicated Personal Care Tailored to YOUFrom certified nursing assistants to respite care to companionship, our care providers give you just what you need to live your best life. As an alternative to rehab outpatient centers and nursing homes, our home healthcare agency makes daily living easier. Team members partner with family caregivers and patients to develop a custom-tailored care plan. ComForCare's personal care services include non-medical care like grocery shopping, bathing assistance, medication reminders, transportation to doctors appointments, and other companion care. We can also help prepare meals and provide support with household chores on an as-needed basis, as well as incorporate specialized memory care for those with dementia or Alzheimers disease.
ComForCare is a premier provider of in-home care with locations in U.S. and Canada. Our personalized care plans and compassionate caregivers help seniors live independently in their own home and continue to do all the things they love.We serve in any setting you call home, whether it is a private home, independent or assisted living community or skilled care facility.ComForCare Home Care- Bonita Springs provides in-home care services including Alzheimer's disease and dementia care, personal care, respite care for families, transition of care after a hospital or rehabilitation stay, chronic disease management, transportation, medication reminders, light housekeeping & laundry, shopping and errands, safety supervision, companionship and much more. Our services are available 24 hours a day, 365 days a year from compassionate caregivers who are experienced, trained, bonded and insured.The ComForCare mission is to improve the quality of life and level of independence for every client and family receiving our services.Preserve Quality of Life with Home Care ServiceComForCare offers a variety of in-home care services to fit the needs of you and your family. It is our goal to provide companionship and help with everyday activities to ensure your elderly loved ones can live safely and securely. Whether your loved ones health concerns are due to illness, injury, or aging, our personal home care packages and flexible scheduling allow your loved one to maintain a sense of freedom, dignity, and connection to friends and family. Seniors who choose to stay at home are often happier, healthier, and recover faster from illness or injury than those living in assisted living facilities. ComForCare is independent living with a little extra help! Experience True CaregivingOur health care professionals are not only highly qualified, but they are also highly compassionate and love what they do. Caregivers who meet our high standards and strict guidelines are screened for empathy, trained in senior care, and matched with clients based on their experience, skills, and compatibility. This unique approach to elder care provides the foundation for a trusted relationship between your loved one and the caregiver, and a long-lasting partnership in care between you and ComForCare. Dedicated Personal Care Tailored to YOUFrom certified nursing assistants to respite care to companionship, our care providers give you just what you need to live your best life. As an alternative to rehab outpatient centers and nursing homes, our home healthcare agency makes daily living easier. Team members partner with family caregivers and patients to develop a custom-tailored care plan. ComForCare's personal care services include non-medical care like grocery shopping, bathing assistance, medication reminders, transportation to doctors appointments, and other companion care. We can also help prepare meals and provide support with household chores on an as-needed basis, as well as incorporate specialized memory care for those with dementia or Alzheimers disease.