Taking the keys: When seniors need to stop driving

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Taking the keys: When seniors need to stop driving
Published on April 23, 2012 by
By Lois M. Collins, Deseret News

As they got old, Bill and Betty Lamb learned to make compromises so they could, for a time, continue on as if advancing age had no effect. He still drove on their beloved afternoon rambles, but he was no longer the only pilot, determinedly in charge and certain of his way. His wife kept track of where they were, telling him to turn here or there.

He was a “man you could have dropped from a helicopter anywhere and he’d have found his way home,” his daughter, Sandra Lamb, says. Except he was getting lost in familiar places near his Denver home. And when it got bad enough, she could no longer avoid the topic she’d long dreaded: It was time, she told her 82-year-old dad, to give up his car keys. It wasn’t safe for him or for others on the road.

“It was painful to see his reaction. I felt so sorry for him.” And for herself, too. He didn’t speak to her for almost two years. One day, living in Michigan, she got a panicked call from her mom. He’d found a spare set of keys, she said, and was loading the car with nonsensical items, getting ready to “drive home.”

She told her to call the police. Faced with their authority, he turned the keys over without a battle. He was done with driving, though he continued to fume. Driving may represent identity, independence and more to seniors. Giving up driving is an unwelcome rite of passage among the elderly, complicated by the fact that people age out of safe driving unpredictably. Some at 85 are well enough to continue without much problem, though they may prefer to stay in familiar territory or on slower streets. But dementia, macular degeneration and other maladies common in old age can make driving a very hazardous pursuit for others, at even younger ages.

It’s a potentially deadly dilemma for families. Stacey Hilton of Senior Helpers, an in-home senior care company, does a sobering recap: By 2030, 70 million-plus Americans will be at least 65, and more than 90 percent of them will be licensed to drive. Some will no longer be capable of doing so safely. She points to four accidents in March alone. In Massachusetts, an 89-year-old man who hadn’t renewed his license for 25 years is charged after killing a pedestrian. In California, a woman, 81, accidentally hits the gas and kills another driver and a pedestrian. Elsewhere in the state, a man, 85, hits a tree and dies. In Ohio, a woman, 69, goes the wrong way on the freeway and kills three college students and herself, and injures others.

Time to talk

But the “give me the keys” talk requires care, say both experts and adult children who’ve done it. It’s a conversation so fraught with land mines that AARP and the Hartfordand MIT AgeLab created a free online course explaining the emotional connections to driving and offering suggestions. It’s called “We Need to Talk.”

Hartford’s survey notes that adults in their 40s are the most apt to be concerned about an older family member’s ability to drive, but a third of those who are worried have not yet broached the subject with the older driver. They say they’re worried the driver will react badly, they don’t know what to say and they haven’t figured out transportation alternatives.

But before you rush to take away the keys simply because someone’s old, consider this tale from Bonnie Russell of Asheville, N.C.” My father is 89. Still driving. In fact, two years ago his defensive driving skills and fast reflexes (he’s an ex-pilot) saved us both from a bad accident after a woman cut in front of us on the freeway and then slammed on her brakes.” But she’s seen the other side, too. When she worked for a police department, she says, people occasionally asked them to take away their parents’ car keys. “The least painful way is to work out a deal with DMV to send out a notice for a driver’s license re-test — which they will fail. Some states will do so immediately. Others wait until the renewal date.”

On the AARP website, warning signs of trouble include being easily distracted while driving, hitting curbs, trouble merging, poor judgment making left turns and failure to follow traffic signs and signals. You look for patterns, not a single incident. Others add to the list. Being overly cautious or slow is dangerous. Medications can impair ability. Senior Helpers, which among other services offers drivers for hire, notes that sleep issues, common to the elderly, impair driving and slow reflexes. Jody Gastfriend, vice president at Care.com, says concerned kin should check recent driving records that, along with dings and dents, can warn that ability is fading.

A rough conversation

Marion Somers, known as eldercare adviser “Dr. Marion,” remembers her conversation with her own dad as the worst of her life. She lived in New York, he was in Florida, but she was the family’s “designated doer of taking away the keys.” She rode with him to see how bad his driving really was. It was awful. His skill had “diminished at an alarming rate.” She said she was concerned by what she’d seen, but mostly she was worried for him. “Could you live with hitting a child?” she asked. She put the focus on hurting someone else so he wouldn’t dig in his heels and shoo her away.

They made a list of the things he had to drive to do. Then they tackled them. It was not one conversation, but a series. She looked into public transportation options and found they’d take him half the places he needed to go. So they practiced getting there by bus to build up his confidence. They sold his car and put the money into a transportation account with which she paid his taxi bill each month. When it ran out, she paid it. “To not have to run down to Florida for some emergency caused by his driving was worth it to me,” she says. And they recruited friends for activities, like taking him to religious services.
Just saying that’s it, though, is not enough. Somers says to notify the Department of Motor Vehicles and the car insurance company, then turn in the license plates. Make sure the eyeglass prescription is right, that hearing is appropriate, as well. Sometimes, adjusting one of those solves the driving problem for a while. Her dad got a three-wheeled cycle so he could “toot around the community and be outdoors and independent.” She found a grocer who delivered when he couldn’t get out.

If you don’t live nearby, she says, check with neighbors. They know and they’re concerned. When you talk on the phone, really talk. And really listen. Most elderly learn to fake being fine because they fear losing independence. The fade is hard to maintain. “Mental deterioration on any level shows up within 20 minutes.”

“It is crucial to have your parents look at transportation alternatives well before giving up the car keys,” says John Z. Wetmore, of Bethesda, Md., producer of the cable TV series “Perils for Pedestrians.” “Do your parents know where the local bus routes go? Have they ever used the bus? Simple things like not knowing what the fare is, or how transfers work, can be embarrassing to a grown adult. It is easier to give up driving if they are already making occasional use of the alternatives while they are still driving.”

eHow.com recommends having a parent take a driver’s test — something most states don’t require. The results can make it easier for a parent with diminished capacity to accept that diving’s no longer a good option.
No time to waste

Eric Ward himself recognized as his 85th birthday approached that driving wasn’t safe and offered his daughter, Pat Hoyrup, his prized possession, a Lincoln Continental. She jumped on the plane from her Coupeville, Wash., home. “I didn’t give him time to change his mind.” She’d been wondering how to approach the topic.

Daniel Gray’s conversation with his mom took place when he picked her up after she’d been pulled over for hitting some mailboxes. She blamed medications but recognized “her driving days were over,” he says. “The following years were challenging, and I spent a significant amount of time ferrying Mom about, but I wouldn’t trade them for the world. I test drive cars and have great memories of helping Mom climb in and out of a wide range of vehicles in our travels, from a Camaro SS to a Mini Cooper convertible. Cadillacs to Prius, we had some great conversations.”

To do it right, “you can’t simply take away the keys,” says Gray, of Belle Mead, N.J. “They have to be hung up voluntarily, while there’s still some quality time left.”

After Ward gave his daughter his car, he downsized his world to the pieces he could reach on bike until little strokes took those wheels away, as well. Then he walked to the store and through his Midvale, Utah, neighborhood. Friends and relatives were happy to help him get where he needed to go.

He died years ago, but Hoyrup thinks about the challenge of age and driving still. She’s 72, living on an island that requires a ferry ride. Lately, she finds herself asking a friend to drive sometimes and she no longer drives in the dark. “At some point in time, we will need to move to a place where we’re close to stores; right now we live on five acres.”

Diane Dennis’ dad was sidelined by a massive stroke as he was driving. He managed to reach a gas station where someone called 911. Dennis, a nurse in Portland, Ore., was his designated spokesperson for medical issues. After the hospital, he was sent to a skilled nursing facility. He wanted to be home, wanted his life the way it had been. Dennis worked with the doctor and others to “leave him there long enough to convince him he needed help at home and could not drive any more.”

He never forgave her for “interfering with his independence.” They were estranged and she kept track of him only through other family members for the rest of his life.
“I chose to make the doctor’s office the determining factor for removing my dad’s driving privileges,” says Pamela Hoffine of Sweet Home, Ore. ”It just made it easier to appease my dad because the doctor, of course, is the expert and the ultimate professional in determining the safety and hazard contingencies linked with my father’s health.”

When Holly Deitz took her dad’s car keys away, she also bought an umbrella insurance policy “on the off chance he gets his hands on my mom’s keys. My very wise accountant clued me in on this very necessary but completely underutilized insurance product whereby if my father does get behind the wheel and does something horrible, there will be enough “easy money” for an attorney to get his hands on. That way the chance of my parents losing everything is much less,” she says.

Years after Bill Lamb died, Betty Lamb was forced to stop driving by macular degeneration. This time, daughter Sandra didn’t confront it directly; she let the doctor do it. It was less stressful for the family when he played the heavy, she says, noting that her cousin just disabled her elderly mom’s car and then put off the repair until being careless became the norm.

“My advice,” says Sandra Lamb, “is if you don’t have to be confrontational, it’s better. Losing the things you felt you had the skill to do and you have a long track record of doing — well, giving up those things is not easy at all.” She arranged lots of rides for her mom. “Her real fear was being isolated. Giving up driving, which gave her a huge amount of independence, was hard.” The sting was smaller when she saw she could still go and do and enjoy.

Lundy Wilder’s dad was a doctor who had saved well for retirement. When it because obvious he and his wife shouldn’t be driving, their four kids formed a united front to stress that if something bad happened while driving, they could lose all their savings to a lawsuit. Then they set up an account with an agency that sent a driver out every day. “Daddy complained, as did Momma, but we stuck to our guns,” says Wilder, of Gulf Shores, Ala. The solid front helped. They managed that by collaborating by phone, city to city. Her folks weren’t pleased, but they “went along with the program.”

Ultimately, they became close to the driver, who became their hired caregiver in their final months.

Tips on taking the keys

Have a checkup to see if vision, hearing or a medication accounts for the diminished driving skill. Those may be reversible. AAA and AARP offer classes for mature drivers to help retrain them to be safe drivers. The National Safety Council offers a safe driving test. Talk about the possibility they could hurt someone else. Many older adults are more horrified at the thought of hurting someone than they are at the loss of independence. Suggest taking the driver’s test to see if current skills are adequate.

Encourage a parent to talk to his or her physician, other relatives and trusted friends. If that doesn’t do it and you’re worried, contact the Department of Motor Vehicles in your state. The rules vary, but in some cases a license can be revoked, at least temporarily. Don’t forget to replace it with a state identification card.
As a last resort, remove access to the car. That’s tougher to do. But sometimes it works.

Make sure they use alternative forms of transportation occasionally before they have to give up the keys, so they’re not intimidated or uncomfortable. Point out that it doesn’t mean you can’t stay in your home as long as there are other transportation choices available. It also helps to live in a neighborhood with sidewalks and with stores and amenities close by.

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Living with a chronic illness can be challenging in many ways. Beyond managing symptoms and making lifestyle adjustments, individuals with long-term medical conditions often face the ongoing responsibility of navigating a complicated healthcare system. From scheduling appointments and coordinating with specialists to understanding treatment options and managing medications, keeping up with healthcare needs can quickly become overwhelming.Conditions such as diabetes, lupus, heart disease, multiple sclerosis, arthritis, and other chronic illnesses often require continuous medical attention. Patients may work with several healthcare providers, undergo routine testing, manage multiple prescriptions, and make important decisions about their treatment and long-term health.While managing a chronic illness can sometimes feel like a full-time job, understanding how to navigate the healthcare system can make the process easier. Having the right information, staying organized, communicating with healthcare professionals, and knowing where to find support can help patients take a more active role in their healthcare journey.Understanding the Challenges of Living With a Chronic IllnessA chronic illness is generally a health condition that lasts for an extended period and often requires ongoing medical management. Some conditions can be controlled with medication and lifestyle changes, while others may involve complex treatments, frequent appointments, and periods when symptoms become more severe.For example: Diabetes: Requires ongoing blood sugar monitoring, medication management, regular testing, and attention to nutrition and physical activity. Lupus: An autoimmune disease that can affect multiple parts of the body and may require care from several specialists. Heart Disease: Often involves monitoring heart health, managing medications, making lifestyle changes, and attending regular medical appointments. Multiple Sclerosis (MS): A neurological condition that may require specialized treatment, symptom management, rehabilitation, and ongoing monitoring. Arthritis: Can cause chronic pain, stiffness, and mobility challenges that require medication, physical therapy, and other forms of treatment. Although each condition is different, patients often face similar challenges when managing their healthcare.They may need to coordinate appointments with multiple specialists, understand complicated medical information, keep track of treatment plans, and communicate changes in their symptoms. These responsibilities can become especially difficult when someone is already dealing with pain, fatigue, or other symptoms associated with their illness.Understanding how the healthcare system works and knowing how to access the right resources can make a meaningful difference.Build a Strong Relationship With Your Primary Care PhysicianOne of the most important steps in managing a chronic illness is establishing a good relationship with a primary care physician.Your primary care provider can serve as a central point of contact for your healthcare needs. They can help monitor your overall health, coordinate referrals, review medications, and communicate with specialists involved in your treatment.Even if you see several specialists, maintaining regular appointments with your primary care physician helps ensure that your overall health is not overlooked.A primary care physician can also help identify changes in your condition and determine whether additional testing or specialized care may be necessary.Patients should feel comfortable discussing their symptoms, concerns, and treatment goals with their physician. Open communication helps providers better understand individual needs and make appropriate recommendations.Understand Your Medical Condition and Treatment OptionsLiving with a chronic illness often means becoming familiar with medical terminology, test results, medications, and treatment recommendations.However, understanding complicated medical information can be difficult, particularly when patients are dealing with a newly diagnosed condition or an unexpected change in their health.Taking time to learn about your diagnosis can help you become a more informed participant in your healthcare decisions.Start by asking your healthcare provider questions such as: What exactly does my diagnosis mean? How will this condition affect my overall health? What treatment options are available? What are the potential benefits and risks of each treatment? What symptoms should I watch for? Are there lifestyle changes that could help manage my condition? How often should I schedule follow-up appointments? When should I contact my doctor if my symptoms change? Do not hesitate to ask your physician to explain something again if you do not understand it. You deserve to have your questions answered and to understand the recommendations being made about your health.It can also be helpful to request written instructions or reliable educational resources that you can review after your appointment.Coordinate Care Among Multiple SpecialistsMany people with chronic illnesses receive care from several different medical specialists.For example, someone with diabetes and heart disease may see an endocrinologist, cardiologist, primary care physician, and nutrition specialist. A patient with lupus may work with a rheumatologist, nephrologist, dermatologist, and other specialists depending on which parts of the body are affected.Although each provider contributes valuable expertise, coordinating care between multiple medical professionals can become complicated.Patients may receive different recommendations, have difficulty transferring medical records, or struggle to remember which provider is responsible for specific aspects of their treatment.To make coordination easier, consider the following steps:Keep a List of Your Healthcare Providers: Maintain an updated list of doctors, specialists, clinics, and other healthcare professionals involved in your care.Organize Your Medical Records: Keep copies of important test results, diagnoses, treatment plans, and medical reports in one accessible location.Share Important Health Information: Make sure each provider has accurate information about your medical history, current medications, allergies, and other relevant health concerns.Track Appointments and Follow-Ups: Use a calendar or scheduling application to keep track of appointments, testing, and recommended follow-up visits.Ask Who Is Coordinating Your Care: Find out which provider should be your primary contact when questions involve multiple aspects of your treatment.Effective communication among healthcare providers can help patients receive more coordinated care and reduce confusion when managing complex medical conditions.Keep Track of Your MedicationsMedication management is another important part of living with a chronic illness.Some patients take several medications to control symptoms, prevent complications, or manage multiple health conditions. Keeping track of prescriptions, dosage instructions, refill dates, and potential side effects can become challenging.To stay organized, maintain an updated medication list that includes: The name of each medication. The prescribed dosage. When and how often it should be taken. The reason it was prescribed. Any known medication allergies or reactions. The prescribing healthcare provider. Bring this list to medical appointments and update it whenever a medication is started, stopped, or changed.It is also important to tell your healthcare providers about vitamins, supplements, and over-the-counter medications you use, since these may interact with prescription medications.If you experience side effects or have concerns about your prescriptions, contact your healthcare provider or pharmacist. Never stop or change a prescribed medication without discussing it with the appropriate medical professional.Medication reminders, pill organizers, and pharmacy refill services can also help make medication management easier.Prepare for Medical AppointmentsWhen living with a chronic illness, medical appointments may become a regular part of your routine. Preparing ahead of time can help you make the most of each visit.Patients sometimes forget important questions or struggle to remember changes in their symptoms when speaking with their doctors.Before an appointment, consider writing down: Any new or worsening symptoms. Changes in pain, energy levels, or mobility. Questions about medications or treatment recommendations. Concerns about side effects. Results from recent testing. Changes in your daily activities or quality of life. If you monitor certain health measurements at home, such as blood pressure or blood glucose, bring relevant records to your appointment.You may also want to bring a trusted family member or friend who can help take notes, remember instructions, and provide additional support.Being prepared can help you communicate more effectively and ensure that important concerns are addressed.Learn How to Advocate for YourselfSelf-advocacy is an important part of managing a chronic illness. It means taking an active role in your healthcare by asking questions, expressing concerns, and making sure your needs are understood.Patients sometimes hesitate to speak up because they do not want to question their physician or appear difficult. However, asking questions and requesting clarification are important parts of receiving appropriate care.If something does not seem right, or if you do not understand a treatment recommendation, it is reasonable to ask for more information.Effective self-advocacy may include: Speaking up when symptoms change or become worse. Asking for clarification when medical instructions are confusing. Discussing treatment options and personal preferences. Requesting copies of medical records and test results. Asking how different treatments may affect daily life. Seeking another medical opinion when appropriate. Remember that you are an important member of your healthcare team. Your experiences, concerns, and treatment goals deserve to be heard.Consider Getting a Second Medical OpinionA chronic illness may require ongoing treatment and long-term medical decisions. In some situations, patients may benefit from receiving another professional opinion about their diagnosis or treatment plan.A second opinion can provide additional information, confirm an existing diagnosis, or help patients better understand alternative treatment options.This may be particularly helpful when: You have received a complicated or unexpected diagnosis. Your current treatment is not producing the expected results. You are considering a major medical procedure. You are experiencing significant side effects. You want to explore additional treatment approaches. You feel uncertain about the recommendations you have received. Seeking a second opinion does not mean you distrust your current physician. It is simply another opportunity to become informed and feel confident about your healthcare decisions.A healthcare advocate may also help patients understand the process of obtaining another opinion and organizing the medical records needed for a consultation.Use Technology to Manage Your HealthcareTechnology has made it easier for many patients to access medical information and stay connected with their healthcare providers.Patient portals, mobile applications, and telehealth services can help individuals manage some of the everyday responsibilities associated with chronic illness.Depending on the healthcare provider and available services, technology may allow patients to: Review laboratory results and medical records. Request prescription refills. Schedule appointments. Send secure messages to healthcare providers. Participate in virtual medical visits. Track health measurements and symptoms. Receive appointment reminders. Some patients also use mobile applications to monitor blood pressure, blood glucose, physical activity, medication schedules, or other health information.These tools can help patients stay organized and provide useful information to share with their medical team.However, technology should complement, not replace, communication with healthcare professionals. Patients should discuss concerning symptoms and unexpected changes with their providers rather than relying solely on information from an application.Understand Your Health Insurance and Healthcare CostsManaging a chronic illness can involve significant financial responsibilities. Regular appointments, specialist visits, medications, laboratory testing, medical equipment, and treatment procedures can add up over time.Understanding your health insurance coverage can help you avoid unexpected expenses and make more informed decisions about your care.Important things to review include: Your insurance plan's coverage for specialist visits. Prescription medication coverage and pharmacy requirements. Deductibles, copayments, and out-of-pocket maximums. Whether referrals are required to see specialists. Coverage for physical therapy and other supportive services. Available financial assistance programs. If you are unsure about coverage, contact your insurance company or healthcare provider's billing department for clarification.Hospital and clinic social workers may also be able to connect patients with financial assistance programs, medication resources, and community organizations.Understanding your options can help reduce financial stress while ensuring you have access to the services you need.The Role of a Healthcare Advocate in Managing Chronic IllnessNavigating the healthcare system can be especially challenging when managing a long-term medical condition. Patients may spend considerable time coordinating appointments, communicating with specialists, understanding treatment recommendations, and organizing medical information.For individuals who feel overwhelmed by these responsibilities, working with a healthcare advocate may provide valuable support.A healthcare advocate helps patients understand and navigate the healthcare system while keeping their needs and preferences at the center of the process.Depending on the services offered, a healthcare advocate may help with:Understanding Medical Information: Helping patients organize information about their diagnosis, treatment recommendations, and healthcare options so they can have more informed conversations with their physicians.Coordinating Appointments: Assisting with scheduling and organizing appointments with multiple specialists and healthcare providers.Preparing for Doctor Visits: Helping patients identify questions, organize medical records, and prepare for important healthcare discussions.Improving Communication: Helping patients communicate concerns and understand instructions from their medical team.Exploring Additional Resources: Identifying support services, community programs, and other resources that may help patients manage their condition.Supporting Informed Decisions: Helping patients understand the information available so they can discuss treatment choices and personal preferences with their healthcare providers.A healthcare advocate does not replace a physician, diagnose medical conditions, or make treatment decisions. Instead, they provide guidance and support to help patients become more confident and informed participants in their healthcare journey.For patients managing multiple medical conditions or working with several specialists, having someone help organize the process can make a meaningful difference.Build a Support System to Help Manage Your ConditionLiving with a chronic illness can sometimes feel isolating, particularly when symptoms interfere with everyday activities or require ongoing lifestyle changes.Having a reliable support system can make managing a long-term condition easier.Family members and friends may be able to provide transportation, help with household responsibilities, attend medical appointments, or offer emotional encouragement.Patients may also benefit from connecting with support groups and organizations focused on their specific medical condition.For example, individuals living with diabetes, lupus, heart disease, or multiple sclerosis may find educational resources and support communities through national health organizations and local programs.In addition, counselors, social workers, registered dietitians, and other healthcare professionals may provide specialized assistance depending on individual needs.Having people who understand your challenges and are willing to help can reduce stress and make it easier to stay engaged in your healthcare.Take an Active Role in Your Long-Term HealthLiving with a chronic illness requires ongoing attention, patience, and commitment. While some days may be more challenging than others, taking small steps to stay organized and informed can make a significant difference.Understanding your diagnosis, maintaining communication with your healthcare providers, keeping track of medications, and coordinating appointments can help you feel more in control of your medical care.It is also important to remember that you do not have to manage every aspect of your healthcare alone. Family members, medical professionals, support organizations, and healthcare advocates can all play valuable roles in helping you navigate the process.You Don't Have to Navigate Chronic Illness AloneManaging a chronic illness involves much more than attending medical appointments and taking prescribed medications. It requires ongoing coordination, communication, decision-making, and adjustments to everyday life.For patients living with conditions such as diabetes, lupus, heart disease, multiple sclerosis, and other long-term illnesses, the healthcare system can sometimes feel complicated and overwhelming.Having the right support can help make the journey easier.A knowledgeable healthcare advocate can help patients understand medical information, prepare for appointments, coordinate care, and identify resources that may improve their healthcare experience.Vital Voice Healthcare Navigation understands that managing a chronic illness can be challenging. Having someone to help you navigate the healthcare system, communicate with medical professionals, and better understand your healthcare options can make a meaningful difference. You deserve to feel informed, supported, and confident as you take an active role in managing your long-term health.

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Senior Care Associates - VA Aid & Attendance Specialists Nationwide

Veteran Services

Aid & Attendance was established in 1952 to provide financial assistance to wartime veterans and/or their surviving spouses who lack the funds necessary to pay for the care they require with routine activities of daily living in their homes, assisted living and nursing home care. Those who served our country 90 days active duty state side or abroad during a period of war, 65 and above may be eligible for this pension. Are you a war time Veteran? Are you a surviving spouse of a Veteran? If the answer to this is, yes, then you may be eligible for a separate pension through the VA called Aid & Attendance. The Veterans Aid and Attendance pension has been around since 1952. Most Veterans and or spouses have never heard of Veterans Aid and Attendance and sometimes find it hard to believe that it even exists. The Veterans Aid & Attendance pension is a separate pension set aside for those Veterans, spouses and surviving spouses who are aging and are at the point in their lives that they are in need of some assistance with their care. This care could be provided while living in your home, Retirement Living (with care coming in), Assisted Living or a Nursing Home. If you are in need of assistance with ADLs (activities of daily living) you may qualify. To determine eligibility for Aid and Attendance pension we look at these areas first: Did the Veteran serve90 days active duty, one day during a period of war state side or overseas and honorably discharged? Do you have expenses for care? Expenses such as a Medicare supplement, a caregiver or family members assisting with care, assisted living expense etc. Income such as Social Security, Retirement, Pension, Rental Income etc. Cash Assets- Checking and Savings, 401K, IRAs, Investments etc. Health- if you are using a walker or a cane, oxygen, meal preparation bathing, transportation, assistance, etc. If you feel you meet some of these criteria, you may qualify. This is a TAX FREE monthly pension directly deposited into your bank account. 2022 Amounts: Veteran- $2,050 Surviving Spouse- $1,318 Veteran & Spouse- $2,431 Dependent Spouse- $1,607 The pension is retroactive, meaning; you will receive monies back from the first day of the month after you apply. How long does it take to get the pension? 2-6 months. It will take longer to receive back pay when Alzheimer's or severe Dementia is involved due to an additional step that is required by the VA. These are the documents we will review first to determine eligibility for the Aid and Attendance pension: Military/separation papers (DD-214), Marriage certificate or license Death certificate for surviving spouses only Current Social Security statement letter Current bank statement all pages Any other asset documentation if any. By reviewing these documents we will have a fairly good idea if we need to pushforward with the process. Many Seniors have lost much of their savings due to the downward economy and many are outliving their savings. The Aid and Attendance pension has helped many Veterans, spouses and surviving spouses increase their standard of living either by helping them afford care in their home, or the possibility of moving to or staying at a Retirement or Assisted Living and a Nursing Home. Please call us to discuss the areas of criteria and to determine eligibility for the Aid and Attendance pension.