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SENIOR LIVING SOLUTIONS, LLC IS A PROUD MEMBER OF THE
FLORIDA ASSISTED LIVING ASSOCIATION.
SENIOR LIVING SOLUTIONS, LLC IS A PROUD MEMBER OF THE
NATIONAL ETHICS ASSOCIATION.
Approximately 12.4 million Wartime Veterans are eligible for a pension from the VA that can pay over $3,500 per month when they are in need of Assisted Living or Home Healthcare. This Veteran Pension, more commonly referred to as Aid and Attendance, was established by the VA in 1952 and was designed to help these Veterans pay for this type of long-term care. The Veteran Pension at the Aid and Attendance level is not linked to any type of war related injury, sickness or disability. In fact, as long as the Veteran was active duty for 90 consecutive days, all he or she needs to be eligible is one full day of service during a time of war. This means that the Veteran could have been stationed anywhere in the world and did not have to participate in any form of combat.
It is estimated that less than 3% of eligible Veterans receive their Veteran Pension at the Aid and Attendance level. This means that approximately 12 million wartime Veterans NEVER receive the Veteran Pension they're entitled to. The overwhelming majority of Veterans are completely unaware of the Aid and Attendance Pension and most of them pass away without ever receiving a dime. In addition, many Veterans that do become aware of the Aid and Attendance Pension end up passing away waiting for it to be approved. In many cases, the application process for the Veteran Pension at the Aid and Attendance level can take as long as 2 years without an experienced advocate, and may still end up in a decline! What happens more often than not is the Veteran, spouse, and family either give up, or as mentioned earlier, the Veteran dies while struggling to find a way to pay for the care that they need.
Senior Living Solutions, LLC is made up of either Veterans or family members of Veterans. We are extremely passionate about helping Veteran families obtain their Veteran Pension benefit at the full amount of Aid and Attendance. We feel this Veteran Pension is a benefit wartime Veterans have earned. Our founders have been assisting Veteran families obtain the Veteran Pension at the Aid and Attendance level for the last 15 years, and combined, our founders have participated in over $250 Million in paid out Veteran Pension claims to Veteran families at the Aid and Attendance level.
The Veteran Pension at the Aid and Attendance level is a benefit that our Veterans have earned!
The Aid & Attendance improved monthly pension was established in 1952. It is the maximum amount of Pension awarded to the Wartime Veteran or surviving spouse. Aid & Attendance is a Veteran Pension benefit that does not require service-related injuries for compensation.
The Aid and Attendance benefit was designed to help wartime Veterans and their surviving spouses pay for their senior living needs and long-term care costs, such as Assisted Living or Home Healthcare. It can pay up to $3,536 per month,
In order to receive the Veteran's Pension at the Aid and Attendance level:
The wartime Veteran or surviving spouse must be receiving and paying for ADL care. This care can be provided by a senior living community, home health organization, adult day care, or a family member / friend.
The claimant must be receiving assistance in at least two of the following areas:
Bathing, Dressing, Ambulation, Toileting, Personal Hygiene, Physical Therapy, Mental Therapy, and Nursing Services.
* If the Veteran or surviving spouse is not currently receiving this type of assistance, or is receiving it from a family member, please Contact Us. There are legal, ethical, and moral solutions that will qualify the claimant immediately!
For the Aid and Attendance Benefit, the VA imposes income and asset limits on the Veteran and the spouse.
Senior Living Solutions, LLC believes that the Aid and Attendance Benefit is a benefit that has been earned, therefore a Veteran or spouse should not be penalized for saving money and being frugal throughout his or her life.
Currently, the asset limit for Aid and Attendance is set at approximately $150,000. In the event the family is over the VA's allowable asset limit, there are legal, ethical, and moral strategies the family can implement that will help them qualify without triggering the 3-year look back period or penalty period.
The cost of Senior Living or Private Duty Home Care is certainly not cheap. If you feel that you will not qualify because of your income or assets, then please:
Two Married Wartime Veterans
Aid and Attendance = $ 3,536 Per Month
That's $42,432 Per Year, Tax Free!
Wartime Veteran (One Dependent)
Aid and Attendance = $2,642 Per Month
That's $31,704 Per Year, Tax Free!
Wartime Veteran (No Dependents)
Aid and Attendance = $2,229 Per Month
That's $26,748 Per Year, Tax Free!
Healthy Wartime Veteran
Spouse Needs Care
Aid and Attendance = $1,761 Per Month
That's $21,132 Per Year, Tax Free!
Surviving Spouse of a
Aid and Attendance = $1,432 Per Month
That's $17,184 Per Year, Tax Free!
The Veteran must have served at least 90 consecutive days of active duty. One of those days needed to be during a period of war. See below for wartime dates.
The wartime Veteran must have received any type of discharge other than a Dishonorable Discharge in order to be eligible for the Aid and Attendance Improved Pension.
The surviving spouse of the wartime Veteran must have been married to the Veteran at the time of passing and must have never remarried. A divorce disqualifies the spouse.
World War I
April 6, 1917 - November 11, 1918
World War II
December 7, 1941 - Dec. 31, 1946
June 27, 1950 - January 31, 1955
Vietnam (In Country)
February 28, 1961 - August 4, 1964
August 5, 1964 - May 7, 1975
August 2, 1990 - Undetermined
Bathing, Showering, Dressing, Ambulation, Toileting, Personal Hygiene, Physical Therapy, Mental Therapy and Nursing Services.
The claimant must be receiving and paying for assistance with at least two of the ADLs listed above. This care must be prescribed by a doctor and must be documented by the caregiver.
The VA requires the wartime Veteran or spouse to be paying a caregiver for the care that's being provided, prior to submitting an application. If you're not paying another person or an organization for the care that's being provided, you must Contact Us. There are a few different ways to remedy this issue.
The cost of the ADL Medical Care must be used as a medical deduction against the claimant's income. If the VA does not allow the medical deduction to offset the income, the claimant will likely be declined for Aid and Attendance for having too much income. Proper documentation is essential!
Your countable income is how much you earn, including your Social Security benefits, investment and retirement payments, and any income your dependents receive.
Some expenses, like non-reimbursable medical expenses (medical expenses not covered by your insurance provider), may reduce your countable income.
The current asset limit for the Veteran's Pension at the Aid and Attendance level is $150,000. Liquid assets the VA will take into consideration include, but are not limited to:
Checking Accounts, Saving Accounts, Stocks, Bonds, Mutual Funds, IRAs, 401ks, Annuities, Rental Property, Land, Gold, Silver, A Business, etc...
The primary residence is exempt at the time of initial application, but can become a problem if it is sold. If you feel that you will not qualify because of too many assets, please Contact Us. There are still legal, ethical, and moral strategies that Veteran families can implement, who may be over the VA's asset limit of $150,000.
Bob is a Korean War Veteran. Bob gets awarded the Aid and Attendance Pension at $2,266 per month in January of 2019. Bob owns a home worth $300,000. Bob did right and did not list the home on the VA application because his primary residence is exempt. Bob is living in Assisted Living and is now receiving $2,266 per month from the VA.
In June 2019, Bob sells his home and puts $300,000 into his savings account. Bob continues to collect the $2,266 per month from the VA for the rest of the year 2019.
In January of 2020 the VA sends Bob a form to complete. They ask Bob what his current assets are. Bob writes $300,000 and sends it back to the VA. Bob then gets a call from the VA asking him where this $300,000 came from. Bob states that it came from the sale of his home back in June of 2019.
Bob then receives a second letter from the VA stating that they have canceled his benefit and that he is now required to pay the VA $13,596. That's 6 months of benefit ($2,266 x 6 months) that Bob has to pay back because the VA would not have paid Bob that money had they known he liquidated his home for $300,000 in June of 2019, which ultimately put Bob over the VA's asset limit. Bob is not in a good place right now.
It has never been more important for a Veteran family to work closely with an advocate than it is today! There are legal, ethical, and moral solutions the familiy can implement that will protect them from the sale of the home.
For a more detailed explanation on income and assets, please CLICK HERE to view The Aid and Attendance Webinar.
Once we determine that the Veteran or spouse is 100% qualified, our teammate files a Fully Developed Claim (FDC) directly with the appropriate VA Pension Centers. We work nationwide and can assist families over the phone in all 50 states.
Our senior partners & teammates have participated in helping Veteran families qualify for over $250 million in paid out pension benefits and have recorded over 30 years of combined experience dealing with the Aid and Attendance benefit.
We put our families in a position where they're 100% eligible, 100% qualified, and 100% compliant. We want to give the VA no other option but to approve the claim, award the benefit, and pay out the pension the wartime Veteran has earned!
Senior Living Solutions, LLC operates under the guidance of an Estate Planning, Tax Planning, and
VA Accredited Attorney.