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When families begin the search for senior care, how to pay for it is a concern that can come up quickly for many. Private funds typically cover a large percentage of the costs, but there are many other financing options that can assist. The list includes a unique program known as the Aid and Attendance Benefit.
This tax-free benefit is offered by the Department of Veterans Affairs (VA) and is designed for both the veteran and their spouse. It can help bridge the gap between a veteran's income and assets, and the cost of senior care.
What is the Aid & Attendance Benefit?
The Aid & Attendance Benefit provides financial support (on top of a basic VA pension) to veterans and their spouses, or the surviving spouses of deceased veterans. A veteran age 65 or older who served at least 90 days of active military service, of which at least one day was during an acknowledged period of war, may be eligible. This benefit also applies to their surviving spouse.
There are several important things to know with regard to the benefit. First, the veteran who applies must have been honorably discharged from service. It's also essential to know that the veteran does not have to have been injured during their period of military service to qualify for financial assistance. Finally, applicants must be eligible for and already receiving a VA pension or must be eligible and apply for a VA pension at the same time they apply for the Aid & Attendance Benefit.
Who is Eligible for Assistance through the Aid & Attendance Benefit?
There are a variety of qualifying conditions the Department of Veterans Affairs (VA) takes into consideration when determining if a veteran or their spouse is eligible for assisted living benefits.
Military Service Requirement
The first requirement a veteran must meet is at least 90 days of active military service. At least one day of that service must have been during an acknowledged period of war. Here are the wars and conflicts that meet the period of war requirement set by Department of Veterans Affairs:
World War I (April 6, 1917November 11, 1918)
World War II (December 7, 1941December 31, 1946)
Korean conflict (June 27, 1950January 31, 1955)
Vietnam era (February 28, 1961May 7, 1975 for Veterans who served in the Republic of Vietnam during that period; otherwise, August 5, 1964May 7, 1975)
Gulf War (August 2, 1990through a future date to be set by law or presidential proclamation)
Needs-Based Requirement
According to the Department of Veterans Affairs, a veteran or surviving spouse must also meet at least one of the following criteria to receive senior care benefits:
Need for another person to help perform daily activities, like bathing, feeding, and dressing, or
Must stay in bed or spend a large portion of the day in bed because of illness, or
Be a patient in a nursing home due to the loss of mental or physical abilities related to a disability, or
Have limited eyesight (even with glasses or contact lenses having only 5/200 or less in both eyes; or concentric contraction of the visual field to 5 degrees or less)
If the veteran meets both the military service and the needs-based requirements outlined above, the next step is to evaluate the yearly family income and net worth standard. These income and asset guidelines are adjusted each year by Congress.
Senior Care Financial Support for Veterans and Spouses
While families often find the process complicated and even cumbersome, this benefit can make a significant difference for veterans who qualify for financial assistance. While the amounts change every year, they currently range from $14,928 a year for a surviving spouse to $27,540 for a veteran with a spouse or child.
You can learn more by visiting the Pension benefits area of the US Department of Veterans Affairs online.
Sunrise Senior Living Welcomes Veterans
Sunrise communities are proud to be home for many of our nation's veterans. Our team members have experience helping families understand the Aid and Attendance Benefit. Call the Sunrise community nearest you today to learn more about this special benefit for veterans and their spouses!
Dignity Care is a homegrown business in Boulder.In the 1990s, Mary Kirk, a registered dietitian, began caregiving for family and relatives. Her husband, Ged, offered a companion travel service for the elderly and disabled. Together they established Dignity Care, LLC in 1997 as a home care business with just two caregivers and a home office.As demand for home care service increased, Mary recruited additional caregivers, but always with an emphasis on the compassionate, respectful, personalized care that was Dignity Cares trademark. Mary created her own approach to senior home care, unique in this area.With this dedication and passion to provide the best caregivers in the Boulder County region, Dignity Care has continued to grow and in 2009 became licensed as a Class A home care provider. We specialize in using Certified Nursing Assistants on our teams so we can bring you the skill and experience you deserve, if you have any questions, please call us at 303-444-4040.
Too many seniors grapple with isolation and depression, but these are not a normal part of growing older. They are treatable medical illnesses, much like heart disease or diabetes. Depression is a serious illness affecting approximately 15 out of every 100 adults over age 65 in the United States.Seniors experiencing feelings of depression and isolation have a higher risk of hospital admissions, as well as a higher risk for being scammed. Not to mention it makes for a miserable life.So, what can you do? Helping seniors stay healthy means more than ensuring they get good physical care. Individuals living alone miss out on the stimulation of interactions with others on a regular basis. Our caregivers serve that dual purpose of providing physical care and social connection. We enjoy our clients, building a relationship with them, and sharing the highs and lows of their days. Caregivers can laugh with their clients and be an empathetic ear. We make sure our clients are getting out of the house and attending events and activities that interest them.Hiring a caregiver to help out, even for a couple of hours each week, brings conversation and spark along with the physical help. Caregivers are a good antidote for depression. If you have any questions, please call us at 303-444-4040.
Hot summer days are a good time for everyone to think about staying hydrated. For older adults the topic of hydration is a year-round discussion that never goes away. Its a serious issue for most seniors but doesnt get resolved because it needs to be addressed every day and cant be solved with a pill.Seniors have a very high risk for dehydration, which is one of the most frequent causes of hospitalization after the age of 65. They have a greater risk of dehydration for many reasons, including the fact that as we age, our kidneys become less efficient at conserving fluids, our sense of thirst weakens, and we are less able to adjust to changes in temperature. Some medications like diuretics, sedatives, and laxatives can also cause increased fluid loss.Dehydration can cause temporary symptoms that mimic symptoms of Alzheimers. If dementia-like symptoms seem to appear suddenly, it could be dehydration which is easily curable.Symptoms of dehydration range from minor to severe and include persistent fatigue, muscle weakness, headaches, dizziness, nausea, forgetfulness, confusion, lethargy, increased heart rate, sunken eyes, dry mouth, dark colored urine. Urine should be clear to pale yellow. I tell my clients that if their urine is darker than pale yellow, they should head straight to the kitchen from the bathroom and drink a full glass of water. Keeping a glass of water beside you all day to sip on rarely results in someone drinking enough fluids. Its more effective to drink the entire glass, even if its a small glass. Seniors cant rely on their sense of thirst to tell them when to drink water. Scheduling a glass at each meal and/or after a bathroom visit, making sure to drink the full glass, is the best way to make sure youve gotten your full daily amount.If you have any questions, please call us at 303-444-4040.
Sunrise of Boulder is nestled in a quiet neighborhood with gorgeous mountain views next to a city park and bike path. We offer a variety of lifestyle, service and care options. By providing these choices, we not only offer solutions for today, but we provide the security of knowing that there are options for tomorrow. For further information, please call or visit our website.
Sunrise of Boulder is nestled in a quiet neighborhood with gorgeous mountain views next to a city park and bike path. We offer a variety of lifestyle, service and care options. By providing these choices, we not only offer solutions for today, but we provide the security of knowing that there are options for tomorrow. For further information, please call us or visit our website.