Veterans Benefits: Options for Long Term Healthcare

A veteran saluting in front of the USA flag

Veterans have various options when it comes to long-term care and overall health benefits. For instance, the Department of Veterans Affairs, VA, will shoulder particular care services for low-income and disabled veterans. Due to these health benefits, veterans and their loved ones could focus on other crucial aspects of their lives.

However, some veterans are not aware of these health benefits or are uncertain if they qualify for them. That being said, below are health benefits exclusive to veterans.

The Veterans Affairs Healthcare System

All individuals, except those who were dishonorably discharged, that served in the military or were under the National Guard or Reserves and completed their entire period of duty could enroll in the Veterans Affairs healthcare system. Also, enrolled veterans would still be eligible for future care services even if they currently utilize a different healthcare insurance provider, says a senior planning expert from Utah Senior Planning in Utah specializing in veterans benefits, senior estate planning, and related services.

Veteran Directed Home and Community Based Services Program

Being enrolled in the VA healthcare system also means having access to this program, which offers veterans a flexible budget that they could use for long-term care services. Services could include a geriatric assessment for determining individual needs and creating a care plan, skilled in-home care, respite care, and adult daycare among others.

The Veterans Pension

This is a monthly, tax-free payment for veterans with low income. If you qualify for this program, the amount you’d receive is the difference between the annual limit and your income. Do note that you could deduct specific health care expenses and other sources of income.

Housebound Allowance and Aid and Attendance and Program

If you’re eligible for the Aid and Attendance program as well as the pension, you automatically increase your monthly benefit payments. If you have a permanent disability and are confined to your house, you could also qualify for the Housebound Allowance.

Veterans Affairs Community Living Centers

These provide round-the-clock skilled nursing care, access to geriatric assessment and management as well as social workers, and restorative care. Services differ from one facility to another, but some do provide mental health recovery care, hospice care, respite care, as well as special care for dementia and the like.

As you could see from above, you have many options available to you to help make sure that you receive the care you need regardless of your financial standing. Your loved ones who care for you would be able to save on expenses and use those savings for other pressing matters or future expenses. With this in mind, consult a senior planning specialist to determine which benefits you could qualify for and the best options for your specific requirements.