Veteran Benefits for Seniors: Will They Pay for Assisted Senior Living?

Author

COMMUNITY SENIOR LIFE

For more information about the author, click to view their website: Community Senior Life

Posted on

Jan 09, 2024

Book/Edition

Alabama - Gulf Coast

share-this
Share This

Veteran Benefits for Seniors: Will They Pay for Assisted Senior Living?

As our population ages, the need for senior living options continues to grow, and many seniors and their families are looking for additional ways to help pay for these services. Veterans and their spouses have access to a range of benefits that can help cover the costs of assisted senior living, but navigating the complex web of programs and eligibility requirements can be daunting. 

Our team at Community Senior Life is here to help. We are exploring various veteran benefits available to help pay for senior living and providing insights on how to make the most of these resources.

Basics of Veteran Benefits for Seniors

The Department of Veterans Affairs (VA) offers several benefits that can assist veterans and their spouses cover the costs of assisted senior living. These benefits fall into four main categories:

1. Pension Benefits

The VA provides pension benefits to veterans and their spouses who are 65 years or older or are permanently disabled. This pension can help cover the costs of assisted senior living, nursing homes, and other senior care services.

2. Aid and Attendance (A&A) 

This is an additional pension benefit available to veterans and their spouses who require assistance with daily living activities, such as bathing, dressing, and eating. A&A can significantly increase the pension amount and is especially helpful for those needing senior living with a higher level of care.

3. Home and Community-Based Services

Some veterans may prefer to receive senior care in their own homes or the community. The VA offers various programs, such as the Program of Comprehensive Assistance for Family Caregivers, that can help support veterans and their caregivers in these settings.

Eligibility Requirements

To access these veteran benefits for assisted senior living, it is essential to understand the eligibility criteria for each program.

1. Pension Benefits

To qualify for the VA pension, veterans must meet specific financial and service-related criteria. Financial eligibility considers the veteran’s income, assets, and medical expenses. The service-related requirements include having served at least 90 days of active duty with at least one day during wartime. 

Additionally, veterans need to have been discharged from service under other than dishonorable conditions.

2. Aid and Attendance

A&A is an enhancement to the VA pension, so veterans must first qualify for the pension. In addition to the pension requirements, A&A applicants must demonstrate a higher level of need for assistance with daily living activities. This includes medical documentation of their condition.

3. Home and Community-Based Services

Eligibility for these services can vary depending on the specific program and location. Typically, veterans must have a service-connected disability or meet specific criteria related to their need for assistance.

Additional Considerations

When exploring veteran benefits for seniors, consider the following additional factors:

1. Spousal Benefits

In many cases, the spouse of a veteran may also be eligible for VA benefits, even if the veteran has passed away. Spousal benefits can provide financial assistance for assisted senior living expenses.

2. Location Matters

Eligibility and benefits can vary depending on where you live. Different states may have their own criteria and programs for veterans. Be sure to research and understand the specific requirements in your area.

3. Care Needs

The level of care required by a veteran, or their spouse will impact the benefits they are eligible for. Ensure the chosen senior living option aligns with the individual’s care needs and preferences.

4. Review VA Benefits Regularly

It is crucial to periodically review and reassess eligibility for VA benefits as circumstances may change over time. For example, if a veteran’s health needs change and they need more support, they may become eligible for Aid and Attendance benefits in addition to their pension.

5. Legal and Financial Planning

Do not rely solely on veteran benefits to cover the costs associated with senior living. Consult with professionals who specialize in elder law and financial planning to create a comprehensive plan for senior living. This may include estate planning, asset protection, and long-term care planning.

Understanding and accessing veteran benefits for paying for senior living requires careful planning, documentation, and consideration of individual circumstances. While these benefits can provide valuable financial support, it is essential to be proactive in exploring options, seeking assistance when needed, and staying informed about changes in eligibility criteria. By taking these steps, veterans and their families can better navigate the complex landscape of senior living financing and ensure their loved ones receive the care they deserve.

To learn more about our communities and the assisted senior living services we offer, visit our website or contact our Community Senior Life team at 251-981-0200.

Other Articles You May Like

A Place to Age with Grace: AltaVita Senior Living Residences

AltaVita Senior Residences is a dream come to fulfillment for the Macy Family. The longtime Longmont locals desired a way to give back to the community in which they grew up. And what better way to deliver on that commitment than to provide a multigenerational housing opportunity for Colorado families: three levels of continuing senior care on one campus in an unmatched, upscale environment. Filling a niche for older folks who want a place to call home for years to come, AltaVita has thought of every lifestyle element that seniors desire and deserve in an adult living community. Here a foundation for a brighter future is built on a unifying philosophy: Always put the resident first. This means providing for all aspects of the aging process 24 hours a day, 365 days a year. People are living longer and healthier lifestyles, and theyre remaining active, says Linda Berens, the campus Executive Director. Because of that many are looking for a multi-tiered campus offering continuing care within the familiar lifestyle. From involving family members in each residents life to creating a secure residence for those with advanced memory-related illnesses, AltaVitas well-designed campus and comprehensive services are built from the ground up to address and enhance every moment of daily living. One AltaVita residents family member said it best recently: I cant truly convey the appreciation I have for all that you have done. You have all been such a blessing to my mom and our family. The AltaVita team holds one another to a higher standard, which honors the important work they do, assisting the people who need them most. Enrich and enhance the lives of everyone we serve with respect and excellence: the AltaVita mission is confirmed daily by all the smiling faces. Three levels of care on one campus AltaVitas Longmont campus consists of the Memory Care Community, which opened in 2012; the Assisted Living Community, which followed in 2016; and the Independent Senior Living Community, which opened in June 2019. By building the community in three phases, planners have been able to thoughtfully design each building with residents in mind, taking into consideration the type of care they need and the amenities that will best suit them, explains Don Macy, owner.Memory Care Dr. Haleh Nekoorad-Long, M.D., a certified geriatric psychiatrist, is the medical director of AltaVita Senior Residences and works primarily with aging adults and issues regarding dementia, depression, and bipolar disorder. Recognized by the Alzheimers Association as a Leader in Dementia Care, the AltaVita Memory Care Centre is setting a new standard in Colorado for exceptional care for people with memory-related issues. AltaVita Memory Care Centre runs an adult day program, with respite services in suites specially designed for residents with Alzheimers and dementia. Additionally, care is customized for every residents level of dementia, ranging from acute medication management to the sense of freedom that comes with visiting AltaVitas beautiful garden patios and spacious, secure courtyard.Assisted Living With access to the same welcoming outdoor landscape, the AltaVita Assisted Living Community offers an upscale service focused intention. On the main level a great room welcomes visitors with a cozy fireplace, tavern, bistro and ice-cream parlor, and plentiful seating areas. The second floor overlooks the great room and features a large community room for varied activities as well as a comfortable lounge. Inclusive to the Assisted Living lifestyle are three meals every day, housekeeping and laundry services, social and recreational activities, 24-hour staffing, medical transportation, and emergency and nurse call systems. Independent Senior Living This is AltaVitas newest addition to the campus, a community for active adults who would like the enrichment of community life free of the responsibilities of home repairs. This maintenance-free lifestyle, including housekeeping, dining and transportation services, is designed to maximize that freedom and minimize those pesky daily duties. The new three-story building contains 84 stylish apartments with nine different floor-plan designs ranging from one bedroom, one bath to two bedrooms plus den and two baths. All include full kitchens, walk-in closets, large showers, washers and dryers, and private patios. The independent lifestyle program includes top-notch services and amenities like a full-service salon, fitness center, wellness programs, Tai chi classes, bistro and bar, housekeeping, and restaurant-style dining room. And when the outdoors beckons there is easy access to hiking, biking, and walking trails. On behalf of the family, we wish to extend our gratitude to such an excellent place for Vern to live, report family members of the experience of their loved one at AltaVita. The friendliness of the staff is beyond compare. We are very impressed with the quality and freshness of the food; the execution of meals; the presentation of such meals.Whole-life WellnessAltaVita believes one of the most important aspects of maintaining good mental and physical health among an aging population is lifestyle. And thats where AltaVita really shines. Supporting every part of the individual, AltaVita subscribes to Whole-Life Wellness. The methodology is envisioned to enhance residents health through seven critical aspects of wellness: social, emotional, spiritual, environmental, vocational, physical, and intellectual. For more information on AltaVitas progressive approach to maximizing the lifestyle of seniors, visit altavitaliving.com or call 888.745.8268 to schedule a free tour. 

Discover Affordable 55+ Living at Garland Commons

Located in the heart of Maple Grove, Garland Commons offers a brand-new, affordable living option for adults 55 and older. Opened in 2024, this thoughtfully designed community combines modern amenities, spacious floor plans, and a prime location to create the perfect home for active adults seeking comfort and convenience.Modern Apartments Designed for Your LifestyleGarland Commons features a variety of one- and two-bedroom floor plans, ensuring you can find the layout that meets your needs. Each apartment is designed with convenience and style in mind, offering:In-unit washer and dryerAvailable quartz countertopsWalk-in closetsPrivate balconiesFree underground heated parking, with electric vehicle charging stations availableAmenities to Enhance Your Everyday LifeGarland Commons boasts an impressive array of community amenities designed to foster social connection, relaxation, and entertainment:Fitness center for maintaining a healthy lifestyleLibrary with a fireplace, perfect for quiet readingGame room featuring a pool tableCommunity and activity rooms for gatherings and eventsSunroom for unwinding in natural lightOutdoor patio with grillsDog run for furry companionsA playground for visiting grandchildrenPrime Location in Maple GroveLocated at 9651 Garland Lane N, Garland Commons is surrounded by conveniences and attractions. Residents can enjoy walking to Walgreens, Walmart, Aldi, Culvers, and other restaurants and shops. With easy access to I-94, the entire Twin Cities metro area is within reach.Visit Garland Commons TodayManaged by Velair Property Management, Garland Commons is open seven days a week for tours. Call (763) 298-3113 to schedule your visit and see why this vibrant community is the perfect place to call home.If youre looking for a safe, modern, and affordable living option in Maple Grove, Garland Commons is ready to welcome you. Experience the perfect blend of comfort, convenience, and community today!

Affordable 62+ Living: Welcome to Lofts on Rose in Saint Paul

Saint Paul is set to welcome a new affordable housing option for seniors this fall. Opening in October 2024, Lofts on Rose offers a vibrant, 62+ community with a range of thoughtful amenities and beautifully designed spacesall at an affordable price. Located at 1180 Prosperity Ave, this modern development is tailored to provide comfort, convenience, and a sense of belonging.Floor Plans for Every LifestyleLofts on Rose features 10 unique floor plans, each named after streets in Saint Paul, ensuring a design that suits your individual needs. Whether you prefer a cozy layout or something more spacious, each unit is crafted with functionality and style in mind.Thoughtful Amenities Included in RentResidents will enjoy access to a variety of amenities that make day-to-day living enjoyable:A fitness center to keep active and healthy.A community room perfect for social gatherings.A family dining room for hosting loved ones.A sunroom where you can relax and soak up natural light.Prime Location for Convenience and LeisureSituated in a highly convenient neighborhood, Lofts on Rose offers easy access to grocery stores like Aldi and Cub Foods and is serviced by multiple bus lines. For those who love the outdoors, Lake Phalen and downtown Saint Paul are just minutes away, offering scenic beauty and urban excitement.Tour the Community TodayLofts on Rose is managed by Velair Property Management and is open for tours. Call (612) 416-7290 or visit during office hours (Monday through Friday, 8:30 AM to 4:30 PM) to schedule a visit and explore this exciting new community.With its modern design, convenient location, and affordable pricing, Lofts on Rose is poised to become one of Saint Pauls most desirable senior living communities. Dont miss the chance to make it your new home!

Local Services By This Author

Live Oak Village

Assisted Living 2300 North Cedar Street, Foley, Alabama, 36535

Voted Best Retirement Community as part of Big Beautiful Baldwins Best of 2021, 2022, 2023Live Oak Village offers exceptional independent and assisted living care services in Foley, Alabama. Live Oak Village is situated on approximately 200 acres of land covered with large oaks and located near medical, business, and shopping services. Live Oak Village is the premier senior living campus in south Baldwin County, where you or your loved one can experience shared community spaces bustling with energy and a genuine community with friends!We understand the desire to remain independent even if you need assistance completing certain tasks throughout the day. Our assisted living community in Foley, Alabama, is focused on providing our residents with the peace of mind in knowing that they can enjoy an independent retirement with assistance readily available when it is needed. Our care is tailored to each resident's needs and desires; we want to help you or your loved one experience the retirement they crave and deserve!We offer short-term respite care services that will allow family caregivers to find solace in the fact that their loved one is taken care of whether it be a few days or a few weeks.

Live Oak Village

Independent Living 2300 N Cedar St, Foley, Alabama, 36535

Live Oak VillageVoted Best Retirement Community as part of Big Beautiful Baldwins Best of 2021, Live Oak Village offers exceptional independent and assisted living care services in Foley, Alabama. Live Oak Village is situated on approximately 200 acres of land covered with large oaks and located near medical, business, and shopping services. Live Oak Village is the premier senior living campus in south Baldwin County, where you or your loved one can experience shared community spaces bustling with energy and a genuine community with friends!Our independent living services are set to enhance the retirement of our residents. At Live Oak Village, our community was thoughtfully crafted to help rejuvenate and enhance the retirement life of our residents, a worry-free retirement that isnt bogged down by home maintenance, unexpected costs, lawn care, or safety concerns. Residents at Live Oak Village can enjoy a refined level of retirement in a genuine community with social, educational, spiritual, and physical events regularly!At Live Oak Village, we have several housing options in our community that can be purchased, providing the ultimate retirement home in a tight-knit community where services can be provided if needed. Homeownership in Live Oak Village in Foley, Alabama, comes with many perks that arent offered in a traditional neighborhood such as our pool and lovely surroundings.

Haven Memory Care

Memory Care 6848 State Highway 59, Gulf Shores, Alabama, 36542

Haven Memory Care is located near the beautiful white beaches of Gulf Shores, Alabama. Our community is Coastal Alabamas premier memory care provider offering memory care services for all stages of memory loss associated with Alzheimers or any other form of dementia. Haven Memory Care was thoughtfully designed to have a home-like setting where residents can feel safe and secure while participating in meaningful and engaging activities.Personal AmenitiesDelicious Home Cooked MealsSatellite TelevisionsVigil Monitoring SystemMedication ManagementPersonal Laundry ServicesHousekeeping and Linen ServiceRespite Stays AvailablePrivate ApartmentsBeauty and Barber Shop24/7 Nursing CareDaily Exercise ProgramsStimulating Social Activities