Veterans of the U.S. armed services are eligible for a variety of medical and caregiving 𒅌benefits as they grow older. This article offers an overview of the programs that are currently available, with links to the best official resources for more information about them.
Key Takeaways
- Older veterans are eligible for medical and other services through the U.S. Department of Veterans Affairs (VA).
- Veterans must sign up for medical coverage and, in some instances, make co-payments based on their income.
- In addition to medical care, veterans can be eligible for nursing home, assisted living, and home-care services.
- Older veterans with certain health issues also may be eligible for higher pension benefits.
- Surviving spouses of veterans are eligible for some benefits as well.
Medical Benefits for Older Veterans
The U.S. Department of Veterans Affairs (VA) offers health benefits to veterans of all ages through its Standard Medical Benefits Package. That includes both inpatient and outpatient services, from basic preventive care to more advanced medical and surgical services, as well as prescription drugs.
To be eligible, the veteran must have separated from the service in a circumstance other than dishonorably. There are also minimum length-of-duty requirements, which vary depending on when the veteran entered the service and other factors.
Veterans must enroll in this program to participate, which they can do at any time. They must also provide information on their income, which is used to determine their 澳洲幸运5官方开奖结果体彩网:co-payments, if any, for medical services and medications. At one time, the VA also required net-worth information for this purpose, but it stopped doing that in 2015.
Veterans who enroll in the VA health care program can use it as their sole source of care or combine it with private health insurance or Medicare.
The VA offers geriatric evaluation services for older veterans as part of its basic medical benefits package. The evaluation looks at veterans’ physical health, social environment, and ability to care for themselves. Using that information, the evaluators prepare a plan of care, which may include medical treatment, rehabilitation, and social services, as needed.
More information on these VA healܫth care services, as well as an online application, 𒆙are available on the .
Long-Term Care Services for Older Veterans
Veterans signed up for VA health care are also eligible for nursing home, assisted living, and home-care services. As with basic medical benefits, there may be co-pays, depending on the veteran’s incꦉome and the level of service involved.
For example, a veteran in a nursing home may have to pay up to $97 a day, while one receiving domiciliary (in-home) care could have a co-pay of $5.
Covered services include 24/7 medical and nursing care, help with activities of daily living, physical therapy, pain management, and respite care for the ꩵveteran’s regular caregivers, who are often a spouse or other family members.
The setting can be the vet’s own home, a group home, an assisted living facility, an adult daycare center, or a nursing home. The VA runs some of the facilities and contracts with others in the community. In addition to the federal VA, some states have 澳洲幸运5官方开奖结果体彩网:VA-approved nursing ♏homes for veter♎ans and, in certain cases, their spouses.
The VA also has programs to provide veterans with palliative care and hospice care. Hospice care is free of charge.
Mor💎e information on the VA𒅌’s long-term care services and how to apply for them is available on the .
Increased VA Pension Benefits for Older V🐽eterans
In addition to VA-provided health care services, veterans may be eligible 🌸for two programs that can mean a larger pension: Age and Attendance Benefits, and Housebound Benefits.
Age and Attendance Benefits
To qualify for🔴 Age and Attendance Benefits, veterans must meet a🎀t least one of these requirements:
- They need help with the activities of daily living.
- They are confined to their bed, or spend much of the day in bed, because of illness.
- They are in a nursing home because of the loss of physical or mental abilities due to a disability.
- Their eyesight is severely limited, such as 5/200 or worse vision even with corrective eyeglasses or contact lenses.
Housebound Benefits
These benefits are availa🃏ble to veterans who are confined to their homes most of the time due to a permanent disabi൲lity.
Veterans can apply for either Age and Attendance Benefits or Housebound Benefits but cannot collect both at the same time.
As with other VA pension programs, veterans must meet certain income a𝄹nd asset limits to qualify. The amount that they can receive will depend on how many dependents they have and other factors. It is also adjusted annually to account for inflation.
For example, in 2024, a veteran with one dependent non-veteran spouse or a child who only qualified for normal benefits would be eligible for a maximum of $21,674. If they were eligible for Housebound Benefits, they could receive up to $25,348 in total, while if they were eligible for Age and Attendance Benefits, they could receive up to $32,729.
These programs also have income and asset limi𓄧ts for eligibility. More information and application forms are available on the 𒆙.
Benefits for Surviving Spouses
Surviving spouses of wartime veterans, as well as their unmarried dependent children, may be eligible for a VA Survivors Pension.
They may also be eligible for Aid and Attendance or Housebound benefits, as described above.
As an example, in 2024, an eligible surviving spouse with no eligible dependent children who only qualified for general survivor pension benefits would be eligible for a maximum of $11,102. If they were eligible for Housebound Benefits, they could receive up to $13,568 in total, while if they were eligible for Age and Attendance Benefits, they could receive up to $17,743.
This program also has income and asset limits for eligibility. Information on the⛄se and other benefits for spouses, dependents, survivors, and family ca🐲regivers is available on the section of the VA website.
End-of-Life Benefits for Veterans
Finally, the VA also provides funeral and burial benefits for veterans. Currently, the maximum for non-service-related deaths on or after Oct. 1, 2023, is $948 for burial and $948 for a plot, whether or not the veteran was hospitalized by the VA at the time of death. The VA also provides a $231 headstone or marker allowance for veteran deaths on or after Oct 1, 2020.
More information on e🍸ligibility and applying for these benefits is๊ available on the .
What Is the 55 Years Old Rule?
The 55 Year Old Rule is related to the benefits of a veteran who has a service-connected disability. Monthly cash compensation is based on a veteran's assigned disability rating. Up until the age of 55, a veteran with a service-related disability may have to undergo periodic Compensation and Pension (C&P) exams to determine whether their level of impairment has changed (improved or worsened). The results of the examination can change their disability rating and affect the amount of their disability benefit.
However, at age 55, these veterans no longer have to undergo C&P exams, which means their disability rating is protected. Some veterans under age 55 may still have a protected rating—for instance if the disability is permanent, like blindness or a lost limb.
What VA Benefits Can I Get at Age 65?
Older veterans have access to a number of benefits, including disability compensation, pension, education and training, health care, insurance, home loans, and burial. Two specific programs are also available for elderly veterans who are eligible for or receiving a VA pension benefit. These are Aid and Attendance (A&A) and Housebound, both of which increase the monthly pension amount. You can find out more on the VA website.
Do I Get My Husband's VA Benefits If He Dies?
You may be eligible for a VA survivors pension as a surviving spouse if you haven't remarried since the death of the veteran and if that person meets a number of service-related requirements. In addition, your annual family income and net worth have to meet certain limits that have been set by Congress.
The Bottom Line
As veterans grow older, it's important for them to find out about and apply for benefits they are entitled to, thanks to their service to the United States. These include medical care, but also long-term care services, end-of-life benefits, and possible benefits for surviving spouses.