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While the U.S. Department of Veterans Affairs (VA) doesn’t
directly pay for assisted living, it does offer some benefits that can help
offset the cost. Many seniors and families are often surprised by the range of
options—from pensions to disability compensation. These VA benefits have
varying eligibility requirements, so getting help with the application process
can make a big difference. Continue reading to learn about which VA benefits
can be used for assisted living and what you need to qualify.
Do VA Benefits Pay for Assisted Living?
No, VA benefits do not pay for assisted living directly and
typically don’t cover the full monthly cost of assisted living. However, VA
benefits can be used to pay for a veteran’s care needs in an assisted living community.
This includes care services like assistance with activities of daily living
(ADLs), such as bathing, dressing, or medication management.
Benefits don’t usually cover other costs like room and
board, extra activities, or other fees.
Who Qualifies for VA Benefits for Assisted Living?
Veterans, their surviving spouses, and children may qualify
for VA benefits for assisted living. However, the veteran must meet the
following eligibility
requirements to qualify for VA benefits:
Do Spouses Qualify for VA Benefits for Assisted Living?
Yes, many surviving spouses of veterans qualify for VA
benefits, like the Survivors Pension, that can be used to cover the cost of
assisted living. However, they must also meet eligibility requirements.
Requirements vary by benefit, but these are the most common:
Which VA Benefits Help Cover Assisted Living Costs?
Many VA benefits are tax-free payments that can be used in
any way the veteran or spouse would like, including assisted living.
VA Health Benefits for Long-Term Care
Veterans who are enrolled in VA health care may
qualify for long-term care services in an assisted living community as part of
their standard health benefits. These services include:
The VA specifies that veterans can receive long-term support
in an assisted living community through VA health care. However, VA health care
must agree that the veteran needs a specific service or support as part of
their care, and the community must have space available.
VA health care also considers things like service-connected
disability status and other health insurance coverage when deciding.
To be eligible for
VA health care benefits, veterans must have served in active duty and not
have received a dishonorable discharge. Veterans can apply for VA health care online.
VA Pension and Aid & Attendance
Beyond health care, senior veterans over 65 may be eligible
for a tax-free
Veterans Pension benefit if they meet these program requirements:
The Aid and Attendance benefit can also be added to an
existing VA pension for seniors who require caregiver assistance, making it one
of the most generous benefits available. To be eligible, veterans must meet one
of these requirements:
Veterans can use funds from their veterans’ pension and Aid
and Attendance benefit in any way they choose. Because needing caregiver
assistance is one way to qualify for Aid and Attendance, many seniors use this
VA benefit to help cover assisted living costs.
Keep in mind that pension
rates vary based on dependents. In 2025, a veteran with no dependents
can receive a maximum annual pension of $16,965 while a veteran with one
dependent qualifies for up to $22,216.
For Aid and Attendance, the amounts are higher. A veteran
with no dependents can receive a pension of up to $28,300 annually, while a
veteran with one dependent may receive $33,548.
VA Disability Compensation
The VA offers disability
benefits for veterans with a service-related condition, which means
they have an injury or illness caused or made worse by their active service.
Many seniors may not realize they qualify for disability
compensation, especially if they have a “presumptive condition”—a condition the
VA assumes was caused by military service. Examples include common conditions
like high blood pressure or arthritis. The VA considers a condition presumptive
if the chronic illness begins within one year of discharge.
To determine each veteran’s disability compensation, the VA
use a disability rating system. These ratings are percentages
that reflect how much a disability affects a veteran’s overall health. For
example, a 10% rating indicates a smaller impact and results in less
compensation than a higher rating.
Although the process may seem complicated, veterans should
apply for disability compensation if they’re eligible. This benefit isn’t based on financial need and doesn’t require a
wartime service record, making it accessible to many veterans. It can provide
essential funds for those who don’t meet VA pension income requirements.
If a veteran qualifies for both a pension and disability
compensation, the VA will only pay for the benefit that offers the higher
amount.
VA Survivors Pension
The Survivors Pension is a tax-free benefit exclusively
for a surviving spouse or qualifying child of a late veteran and it can be used
to help pay for assisted living.
To qualify as a surviving spouse, you or your loved one must
not have remarried and must meet the income and net worth limits set by
Congress. The late veteran must have received an honorable discharge and served
at least one day during a wartime period.
A late veteran’s child may be eligible for the Survivors
Pension if they were disabled before age 18 and cannot care for themselves due
to the disability.
Dependency and Indemnity Compensation (DIC)
The Dependency and Indemnity Compensation (DIC) is another
tax-free benefit for a surviving spouse or child of a late veteran. To be
eligible, the late veteran must have died from a service-related illness or
injury, or in the line of duty.
To qualify for DIC, a surviving spouse must:
In 2025, the surviving spouse can receive a monthly payment of $1,653. If the late veteran had a
child who became disabled before age 18 and is unable to take care of
themselves, that child may receive a monthly payment of $697.
How Does One Apply for VA Benefits for Assisted Living?
The VA benefits application process can feel overwhelming,
but there are several resources that can help. The VA recommends working with
an accredited Veterans Service Organization (VSO) representative, attorney, or
the Veterans Benefits Administration (VBA). These professionals can help you:
Follow these steps to get started with your VA benefits
application process:
Maximizing VA Benefits for Veterans and Spouses
Some, but not all, benefits can be combined. An accredited
representative can help you maximize your benefit amount. For example, the Aid
and Attendance benefit is always added to an existing VA pension.
Since many VA benefits have a financial need component, you
may want to plan on spending down your assets until you’re eligible for those
benefits.
For instance, a senior veteran who qualifies for disability
compensation can claim this benefit at any time because it doesn’t have a
financial requirement. After paying for assisted living with this benefit and
personal funds, they may meet the income requirements to qualify for a pension
or the Aid and Attendance benefit.
Please note: Every situation is unique, and the above
situation is just an example. It’s highly recommended to work with a
VA-accredited representative to help ensure you receive the highest possible
benefit amount.
How Sunrise Supports Veterans
Sunrise Senior Living proudly serves senior veterans, and
our communities are home to many of our nation’s heroes. To help veterans and
their families understand their payment options, we’ve previously partnered
with Aid & Attendance and ElderLife Financial to host a VA benefit webinar.
If you have questions about paying for assisted living with VA benefits—or want to learn how we make veterans feel at home in our communities—reach out to your nearest Sunrise community to get the conversation started.
When Going Home Isnt the Next Step: A Guide for Monmouth & Ocean County FamiliesWhen an older loved one needs more support, families in Monmouth and Ocean Counties often find themselves navigating unfamiliar territory. A hospital discharge may lead to rehabilitation. A fall may reveal that living alone is no longer safe. Or a family caregiver may realize that managing medications, meals, personal care, and medical appointments has become too much to handle alone.The good news is that senior care isn't one-size-fits-all. Depending on a person's needs, there are options ranging from short-term rehabilitation to assisted living and long-term skilled nursing care.For families across the Jersey Shore, Complete Care provides a continuum of senior care services through multiple communities in Monmouth and Ocean Counties, including locations in Holmdel, Long Branch, Ocean Grove, Wall, Shrewsbury, Toms River, and Brick.Understanding the Right Level of CareOne of the most important steps in choosing senior care is understanding what type of support a loved one actually needs.Post-Acute RehabilitationAfter a hospitalization, surgery, stroke, illness, or injury, an older adult may not be ready to return home immediately. Post-acute rehabilitation provides a bridge between the hospital and home, helping individuals regain strength, mobility, and independence.Depending on the location and individual needs, Complete Care provides physical, occupational, and speech therapy along with nursing and clinical support.For families in Toms River, Brick, Wall, and surrounding communities, having rehabilitation options nearby can make it easier for family members to remain involved during recovery.Skilled NursingSome individuals need more than therapy. Skilled nursing may be appropriate for people who require ongoing medical monitoring, wound care, medication management, chronic disease management, or other specialized clinical services.Complete Care communities offer a variety of clinical programs, with services differing by location. These may include orthopedic and postsurgical care, cardiac care, wound care, neurological and stroke care, pulmonary care, and memory care.When comparing skilled nursing communities, families should ask specifically about the clinical services available at each location.Assisted LivingAssisted living can be a good option for older adults who need help with daily activities but still want to maintain as much independence as possible.Support may include assistance with bathing, dressing, medications, meals, and other everyday routines, along with opportunities for social engagement and activities.For families in Holmdel, Middletown, Red Bank, Freehold, and neighboring Monmouth County communities, assisted living can offer an alternative to managing increasing care needs at home.Long-Term CareFor some seniors, rehabilitation is only one step in a longer care journey. Chronic illness, cognitive impairment, disability, or increasing difficulty with daily activities may eventually require ongoing nursing support.Long-term care provides assistance around the clock while also addressing the social and emotional needs that contribute to quality of life.A Local Presence MattersFor families choosing senior care, location can be an important consideration.Being close to home makes it easier for spouses, children, grandchildren, and friends to visit regularly and remain involved in care. That's particularly meaningful in Monmouth and Ocean Counties, where families may live in neighboring communities but still want their loved one to remain close to their established support system.Complete Care has a broad local presence, with communities serving residents throughout the region. Its Monmouth County locations include communities in Holmdel, Long Branch, Ocean Grove, Wall Township, and Shrewsbury. Ocean County options include multiple communities in Toms River and Brick Township.Because services vary by location, families should contact the individual community to determine which level of care and specialized programs are available.What Should Families Look For?Whether you're looking for assisted living in Monmouth County, skilled nursing in Ocean County, or rehabilitation following a hospital stay, consider more than just the building.Ask: What level of care does my loved one need today? What happens if their needs change? What rehabilitation and therapy services are available? Does the community offer specialized clinical care? How involved can family members be in the care plan? What activities and social opportunities are available? How close is the community to family? And whenever possible, visit in person.Notice how staff interact with residents. Ask questions. Talk with the admissions and care teams. Pay attention to whether residents appear engaged and comfortable.These observations can help families understand what daily life may actually feel like for their loved one.Planning Before a CrisisMany families begin researching senior care only after a crisisa fall, hospitalization, diagnosis, or caregiver burnout.Planning ahead can provide more choices and less pressure.Even if your loved one isn't ready for assisted living or long-term care today, learning about senior care communities in Monmouth and Ocean Counties can help your family understand what resources are available if circumstances change.Having these conversations early also gives older adults an opportunity to participate in decisions about their own future.Complete Care in Monmouth & Ocean CountiesFor families looking for assisted living, post-acute rehabilitation, skilled nursing, or long-term care in Monmouth and Ocean Counties, Complete Care offers multiple local communities and a range of care services.The right choice will depend on your loved one's medical needs, level of independence, preferences, and family circumstances. Taking the time to understand those needsand exploring local options before a crisis occurscan make the process easier for everyone.Frequently Asked QuestionsWhat types of care does Complete Care provide?Complete Care offers assisted living, post-acute rehabilitation, skilled nursing, and long-term care. Specific services and clinical programs vary by location.Where does Complete Care serve Monmouth County?Complete Care has communities in areas including Holmdel, Long Branch, Ocean Grove, Wall Township, and Shrewsbury.Where does Complete Care serve Ocean County?Complete Care has multiple communities in Toms River and Brick Township, among other nearby locations.What is post-acute rehabilitation?Post-acute rehabilitation helps individuals recover after hospitalization, surgery, illness, or injury. Therapy and nursing services are designed to help patients regain function and return home safely when possible.If you're researching senior care options in Monmouth or Ocean County, NJ, visit Complete Care's Seniors Blue Book listing for more information about available services and local care options.
Sarasota and Manatee counties are home to a large population of veterans, many of whom served in Korea, Vietnam, and beyond. As these veterans age, some face memory loss, chronic health conditions, or isolation, and their spouses and families often become their caregivers.Adult day care can be a meaningful source of support for veteran families, and for many, VA benefits may help cover the cost.What Is VA Adult Day Health Care?The U.S. Department of Veterans Affairs offers Adult Day Health Care as part of its home and community-based services. It's designed for veterans who need help with daily activities, supervision, or companionship, and whose caregivers need support.The program can be provided at VA facilities or through community adult day centers that work with the VA. Eligibility depends on factors such as enrollment in VA health care and clinical need. A veteran's VA care team or social worker is usually the best place to start.Why Adult Day Care Works Well for VeteransCamaraderie. Veterans often connect most easily with others who served. Shared experiences create instant common ground.Structure. A predictable daily routine can be comforting, especially for veterans living with dementia.Health support. On-site nursing and medication management help manage chronic conditions.Relief for spouses. Caregiving spouses, often aging themselves, get dependable time to rest and take care of their own health.Veterans Are Honored at Town Square University ParkwayTown Square University Parkway in Sarasota honors VA benefits and makes veterans feel especially welcome. The center hosts a veterans group that meets weekly, giving members a chance to share service stories and enjoy the company of fellow veterans. Veteran members are also recognized on the center's Veterans Honor Wall, a point of real pride for many who attend.Beyond the veterans group, members enjoy a full day of activities across 15 themed storefronts set in a nostalgic, mid-century town square, a setting that often brings back memories from the years many of these veterans served. The daily rate includes meals, snacks, medication management, and nursing oversight, and on-site primary care, psychiatric care, and therapy services are available through insurance.Support for Veteran CaregiversCaring for a veteran, particularly one living with dementia or the lasting effects of service, can be demanding. Town Square offers free weekly caregiver support groups and monthly education classes, with free respite provided while caregivers attend.How to Get StartedTalk with the veteran's VA primary care team or social worker about Adult Day Health Care eligibility.Call Town Square University Parkway to ask how the center works with VA benefits.Schedule a tour so the veteran can see the center, and the veterans group, firsthand.Thank You for Your ServiceOur veterans gave so much. Helping them age with dignity, purpose, and friendship is one way our community can give back. Veteran families in Sarasota, Bradenton, Lakewood Ranch, and throughout Manatee County are invited to reach out to Town Square University Parkway to learn more. (Eligibility for VA programs is determined by the VA; please confirm details with your VA care team.)About Town Square University ParkwayTown Square University Parkway is an adult day center serving families in Sarasota, Lakewood Ranch, Bradenton, and throughout Manatee County. It offers a nostalgic setting, purposeful programming, nursing oversight, on-site medical services, and free caregiver support. Call today to schedule a tour or a free assessment.Town Square University Parkway8450 Lockwood Ridge Road, Unit 55, Sarasota, FL 34243Phone: 941-277-5048Web: seniorsbluebook.com/senior-resources/town-square-at-university-parkway
When an aging parent or spouse needs more help, families face a confusing set of choices. Should Mom move to assisted living? Should you hire a caregiver to come to the house? Or is adult day care the answer? Each option has real strengths, and the right choice depends on your loved one's needs, your family's schedule, and your budget.Here's a straightforward comparison to help you think it through.In-Home CareIn-home care brings a paid caregiver into your loved one's home for a set number of hours to help with bathing, meals, companionship, and household tasks.Best for: Seniors who need one-on-one help and do best in their own home, or who have difficulty leaving the house.Keep in mind: Costs rise quickly as hours increase, and one-on-one care at home doesn't always solve loneliness or provide much social stimulation.Assisted Living and Memory CareAssisted living and memory care communities are residential. Your loved one moves in and receives meals, care, and activities around the clock.Best for: Seniors who need support at night or around the clock, or whose care needs have outgrown what the family can safely provide at home.Keep in mind: It's the most significant life change of the three and usually the most expensive. Many seniors, especially those with dementia, find leaving home very difficult.Adult Day CareAdult day care provides supervision, activities, meals, and health support during the day at a center. Your loved one comes home each evening.Best for: Seniors who shouldn't be alone during the day, including those with dementia, who still live at home with family, and caregivers who work or need regular breaks.Keep in mind: It covers daytime hours only, so families still provide evening and overnight care.Why Many Families Start with Adult Day CareFor many families, adult day care is the middle path. It keeps a loved one in familiar surroundings at night while giving them structure, friendship, and professional support during the day. It also gives caregivers the break they need to keep going, which often allows families to delay or avoid a move to residential care.Adult day care and in-home care can also work together. Some families use adult day care three days a week and a few hours of in-home help on the other days.A Different Kind of Adult Day CareSome families picture adult day care as a room with a TV and a few board games. Town Square University Parkway in Sarasota is designed to change that picture. The center is a nostalgic, mid-century town square with 15 themed storefronts, and its daily rate includes meals, snacks, activities, medication management, and nursing oversight.Members can also access primary care, psychiatric care, therapy, lab work, mobile x-rays, showering, and grooming services on-site, which brings many of the benefits people look for in assisted living into a day program, while your loved one still sleeps in their own bed.Questions to Help You DecideIs your loved one safe alone at night? If not, residential care may be needed.Is loneliness or lack of stimulation part of the problem? Adult day care offers built-in social connection.Do you, the caregiver, need predictable time for work or rest?What does your budget allow over the next year or more?Talk It ThroughYou don't have to decide alone. Town Square University Parkway offers free assessments that can help clarify your loved one's needs, whatever you ultimately choose. Families in Sarasota, Lakewood Ranch, Bradenton, and across Manatee County are welcome to call or schedule a tour.About Town Square University ParkwayTown Square University Parkway is an adult day center serving families in Sarasota, Lakewood Ranch, Bradenton, and throughout Manatee County. It offers a nostalgic setting, purposeful programming, nursing oversight, on-site medical services, and free caregiver support. Call today to schedule a tour or a free assessment.Town Square University Parkway8450 Lockwood Ridge Road, Unit 55, Sarasota, FL 34243Phone: 941-277-5048Web: seniorsbluebook.com/senior-resources/town-square-university-parkway
Sunrise Independent Living provides all the benefits of being in your own home, without the worry of maintenance, chores, or even cooking. Create the way you want to live from our range of lifestyle options, including a selection of senior-friendly floor plans, meal plan and menu choices. Then, customize the service options that meet your wellness needs. Our Independent Living seniors enjoy a lively calendar of social, cultural and recreational programs.
Sunrise Senior Living Memory Care has been carefully developed over thirty years to care for seniors with all types of memory loss. One-bedroom, studio, and companion suites are especially conceived for those with memory issues, delicious dining choices cater to the needs of those with memory loss issues, and carefully developed programming makes sure your loved one is always in the close and enriching care of a Designated Care Manager, Life Enrichment Manager or nurse.
With three full-time nurses, Designated Care Managers who always take care of the same people, caregiver hours based on how much one-on-one time each resident needs, 13 different diets to fit resident nutrition needs, and at least two daily activities each for the mind, the body, and the spirit, Sunrise's care is one of the reasons we were rated Highest in Customer Satisfaction in senior living by JD Powers.