{"id":2742,"date":"2021-12-29T15:38:52","date_gmt":"2021-12-29T15:38:52","guid":{"rendered":"https:\/\/www.sandiegoelderlawandestateplanning.com\/?page_id=2742"},"modified":"2022-06-01T11:20:06","modified_gmt":"2022-06-01T11:20:06","slug":"veterans-benefits","status":"publish","type":"page","link":"https:\/\/www.sandiegoelderlawandestateplanning.com\/veterans-benefits\/","title":{"rendered":"Understanding the Opportunities with Aid & Attendance Benefits"},"content":{"rendered":"

San Diego Veterans Benefits Attorney<\/h2>\n

Volume 2, Issue 8<\/em><\/p>\n

A prior issue of The Wealth Counselor addressed the planning opportunities that exist with planning for Medicaid (Medi-Cal in California), particularly where the client\u2019s advisors work together to create a plan that addresses all aspects of the client\u2019s planning needs. This issue addresses a related topic, VA Aid and Attendance pension benefits.<\/p>\n

Even advisors who focus on higher net worth clients should not discount the opportunities that exist with Aid and Attendance pension benefits. There are now over 25 million US veterans eligible for some type of VA benefits, many of whom have no idea Aid and Attendance pension benefits exist (and their local VA office won\u2019t tell them about it!). Moreover, World War II veterans are dying at the rate of approximately 1,800 per day. Thus, the need for this type of planning is greater than ever.<\/p>\n

Many of the veterans or their surviving spouses you discuss this planning with may not qualify, but they could become traditional wealth planning clients. Alternatively, this benefit may be of interest to their aging parents, siblings or other family members.<\/p>\n

Planning Tip: <\/strong>While Aid and Attendance pension benefits are only available to a limited segment of the population, the general lack of knowledge regarding this benefit makes it a marketing opportunity for all wealth planning professionals, not just those who focus on Elder Law<\/a>.<\/p>\n

 <\/p>\n

What is Aid & Attendance?<\/h3>\n

Aid and Attendance is a \u201cspecial monthly pension\u201d available to wartime veterans or surviving spouses of wartime veterans. Aid and Attendance is not actually a stand-alone benefit. Rather, it is an additional allowance that a veteran or surviving spouse who is already entitled to certain VA pension benefits (because of his or her wartime service and non-service-connected disability) may additionally be entitled to upon meeting certain medical and financial requirements. Aid and Attendance differs from compensation, which is available to all veterans who suffer from a service-connected disability. Table 1 below identifies periods of war for purposes of all VA pension benefits.<\/p>\n

Planning Tip:<\/strong> Aid and Attendance pension benefits are additional veterans\u2019 benefits available to wartime veterans who need the aid and attendance of another to meet their daily needs.<\/p>\n

 <\/p>\n

Prerequisite Benefits<\/h3>\n

A veteran or surviving spouse (called a claimant by the VA) must first be eligible for what the VA refers to as regular pension. Regular pension is available when a wartime veteran (one with 90 days of active duty, and at least one day beginning or ending during a period of War) has limited income and assets and suffers from a non-service-connected permanent and total disability. In some circumstances, being over the age of 65 may qualify a claimant without the need to show a disability.<\/p>\n

Permanent and total disability includes a claimant who is:<\/p>\n

    \n
  1. In a nursing home;<\/li>\n
  2. Determined disabled by the Social Security Administration;<\/li>\n
  3. Unemployable and reasonably certain to continue so throughout life; or<\/li>\n
  4. Suffering from a disability that makes it impossible for the average person to stay gainfully employed.<\/li>\n<\/ol>\n

    Asset & Income Requirements<\/h3>\n

    The financial eligibility requirements of Aid and Attendance benefits address a claimant\u2019s net worth and income. A married veteran and spouse can currently have no more than $80,000 in countable assets (less for a single veteran or surviving spouse), which includes retirement assets but excludes a home and vehicle. However, the $80,000 limit is a guideline only; it is not a rule set by the VA. The VA looks at a claimant\u2019s total net worth, life expectancy, income and medical expenses to determine whether the veteran or surviving spouse is entitled to special monthly pension benefits.<\/p>\n

    Planning Tip:<\/strong> Many times the advisor\u2019s most difficult task in this area is to reduce a claimant\u2019s assets down to the applicable level (or what one hopes will be acceptable to the VA). Like Medicaid planning, this often requires income tax planning and the utilization of financial products such as annuities.<\/p>\n

    There is no income limit for VA pension benefits. There is, however, what the VA refers to as Income for VA Purposes (IVAP), or a claimant\u2019s gross income from all sources less countable medical expenses. If a claimant\u2019s IVAP is equal to or greater than the annual benefit amount, the veteran or surviving spouse is not eligible for benefits. Table 2 and table 3 show the applicable income and pension amounts for both veterans and surviving spouses.<\/p>\n

     <\/p>\n

    Is the Claimant Housebound?<\/h3>\n

    If a claimant qualifies for regular pension and is housebound, the claimant\u2019s maximum allowable income increases (as does the annual benefit amount) to the special monthly pension. The VA defines housebound as being substantially confined to the home or immediate premises due to a disability that will likely remain throughout the claimant\u2019s lifetime. A veteran with no dependents who is housebound is eligible for benefits of up to $13,356 in annual income.<\/p>\n

    Unreimbursed medical expenses will reduce a claimant\u2019s income dollar for dollar. But remember, to be eligible for a special monthly pension for being housebound, the claimant\u2019s IVAP must be less than the annual income threshold.<\/p>\n

    To illustrate, a veteran with exactly $13,356 in annual income would not be eligible for a special monthly pension for being housebound. However, if that veteran was able to show annual income of $20,000 and unreimbursed medical expenses of $25,000, the veteran would be eligible for $13,356 in annual special pension (paid on a monthly basis) because the veteran has negative IVAP. A surviving spouse with no dependents who is housebound can have an annual IVAP of up to $8,957.<\/p>\n

     <\/p>\n

    Does the Claimant Require the Aid and Attendance of Another?<\/h3>\n

    If a claimant can show, through medical evidence provided by a primary care physician or facility, that the claimant requires the aid and attendance of another person to perform activities of daily living, that veteran or surviving spouse may qualify for an additional monthly special pension commonly referred to as aid and attendance pension benefits.<\/p>\n

    The VA defines the need for aid and attendance as:<\/p>\n

      \n
    1. Requiring the aid of another person to perform at least two activities of daily living, such as eating, bathing, dressing or undressing;<\/li>\n
    2. Being blind or nearly blind; or<\/li>\n
    3. Being a patient in a nursing home.<\/li>\n<\/ol>\n

      Table 2 and table 3 below show the applicable pension amounts for each type of VA pension.<\/p>\n

      Planning Tip:<\/strong> The maximum pension for a married veteran is $1,801 per month ($21,615 per year), while the maximum pension for a veteran\u2019s widow is $1,165 per month ($13,976 per year). The VA pays this pension directly to the claimant, and it makes no difference whether the claimant receives medical care at home, in an assisted living facility or in a nursing home.<\/p>\n

       <\/p>\n

      Qualification<\/h3>\n

      As stated above, the VA looks at a claimant\u2019s total net worth, his or her life expectancy, and his or her income and expenses to determine whether the claimant should qualify for special monthly pension. Unlike Medicaid, there is no look-back period and no penalty for giving assets away. However, one must use caution when considering a gifting strategy to qualify a veteran or surviving spouse for special monthly pension benefits, as this will cause a period of ineligibility for Medicaid which could be as long as five years. Other Medicaid planning strategies may apply when trying to qualify a veteran or surviving spouse for special pension with aid and attendance.<\/p>\n

      Planning Tip:<\/strong> The client\u2019s advisors (particularly the attorney and financial advisor) must work together to determine the best combination of strategies and financial products that will gain eligibility for special monthly pension but not disqualify the client from Medicaid.<\/p>\n

      For example, Bob, an unmarried wartime veteran, suffers from dementia and needs help dressing, taking medication and bathing. He has assets of $150,000 and social security income of $1,100. Bob lives at home and pays a home health aide $2,000 per month. He has negative income for VA purposes (the applicable annual rate is $18,234 or $1,519 monthly) and is running short $900\/month in covering his medical expenses. However, Bob\u2019s assets will most likely prevent him from receiving improved pension with aid and attendance.<\/p>\n

      To qualify Bob for special monthly pension with aid and attendance, one option might be for him to use $100,000 of his assets to purchase an immediate annuity structured to pay less than $900 per month (the annuity should be actuarially sound so as not to cause a problem with Medicaid eligibility). Even with the annuity payment, Bob can a show negative annual income, assets of only $50,000, and he can show a medical need for the benefit. Therefore, Bob would most likely be eligible for the maximum annual pension rate of $18,234 (paid in monthly payments of $1,519.50).<\/p>\n

       <\/p>\n

      The Application Process<\/h3>\n

      While the application process for special monthly pension can be agonizingly slow \u2013 some applications take over a year before the VA makes a decision \u2013 the benefit is retroactive to the month after application submission. Having the proper documentation in place at the time of application (for example, discharge papers, medical evidence, proof of medical expenses, death certificate, marriage certificate and a properly completed application) can cut the processing time in half.<\/p>\n

      Planning Tip:<\/strong> Benefits are retroactive to the month after application submission, so advisors should help clients apply as quickly as possible while also helping to ensure that the application is complete.<\/p>\n

       <\/p>\n

      Conclusion<\/h3>\n

      Even advisors who do not wish to practice in the area of Aid and Attendance special pension benefits should be able to recognize the opportunity for prospective and existing clients. They should also be ready to recommend someone who can assist in this area.<\/p>\n

      Because of the impact transfers may have on the client\u2019s eligibility for other benefits such as Medicaid, it is critical that the client\u2019s advisor team work together to maximize the benefits available to the client.<\/p>\n\n\n\n\n\n\n\n\n\n\n
      Table 1: Wartime Periods<\/th>\n<\/tr>\n
      (a)<\/td>\nWorld War I. April 6, 1917 through November 11, 1918, inclusive.<\/td>\nIf the veteran served with the United States military forces in Russia, the ending date is April 1, 1920. Service after November 11, 1918 and before July 12, 1921 is considered World War I service if the veteran served in the active military, naval, or air service after April 5, 1917 and before November 12, 1918.<\/td>\n<\/tr>\n
      (b)<\/td>\nWorld War II. December 7, 1941, through December 13, 1946, inclusive.<\/td>\nIf the veteran was in service on December 31, 1946, continuous service before July 26, 1947, is considered World War II service<\/td>\n<\/tr>\n
      (c)<\/td>\nKorean conflict. June 27, 1950, through January 31, 1955, inclusive.<\/td>\n<\/td>\n<\/tr>\n
      (d)<\/td>\nVietnam era. The period beginning on February 28, 1961, and ending on May 7, 1975, inclusive.<\/td>\nIn the case of a veteran who served in the Republic of Vietnam during that period. The period beginning on August 5, 1964, and ending on May 7, 1975, inclusive, in all other cases<\/td>\n<\/tr>\n
      (e)<\/td>\nFuture dates. The period beginning on the date of any future declaration of war by the Congress and ending on a date prescribed by the Presidential proclamation or concurrent resolution of the Congress.<\/td>\n<\/td>\n<\/tr>\n
      (f)<\/td>\nMexican border period. May 9, 1916, through April 5, 1917, in case of a veteran who during such period served in Mexico, on the borders thereof, or in the waters adjacent thereto.<\/td>\n<\/td>\n<\/tr>\n
      (g)<\/td>\nPersian Gulf War. August 2, 1990, through date to be prescribed by Presidential proclamation or law.<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n\n
      Table 2: Pension Rates for Veterans<\/th>\n<\/tr>\n
      If you are a Veteran\u2026<\/i><\/b><\/td>\nYour yearly income must be less than:<\/i><\/b><\/td>\n<\/tr>\n
      Without spouse or children
      \n(no dependents)<\/td>\n      		$10,929
      \n*to be deducted, medical expenses must exceed 5% of maximum annual pension rate, or $546<\/td>\n<\/tr>\n
      Veteran with 1 dependent<\/td>\n$14,313
      \n*to be deducted, medical expenses must exceed 5% of maximum annual pension rate, or $715<\/td>\n<\/tr>\n
      Housebound without dependents<\/td>\n$13,356<\/td>\n<\/tr>\n
      Housebound with one dependent<\/td>\n$16,740<\/td>\n<\/tr>\n
      Aid and Attendance with no dependents<\/td>\n$18,234<\/td>\n<\/tr>\n
      Aid and Attendance with 1 dependent<\/td>\n$21,615<\/td>\n<\/tr>\n
      Add $2,480 for any early war veteran<\/td>\n<\/td>\n<\/tr>\n
      Illustration:<\/b> Veteran who is married and requires the aid and attendance of another has annual income less unreimbursed medical expenses, of $15,000. That veteran would only be eligible for $1,740 per year in improved pension which totals $145 per month.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n\n\n\n\n
      Table 3: Pension Rates for Surviving Spouses<\/th>\n<\/tr>\n
      If you are a surviving spouse\u2026<\/i><\/b><\/td>\nYour yearly income must be less than:<\/i><\/b><\/td>\n<\/tr>\n
      Without children<\/td>\n$7,329
      \n*to be deducted, medical expenses must exceed 5% of maximum annual pension rate, or $366<\/td>\n<\/tr>\n
      With 1 dependent<\/td>\n$9,594
      \n*to be deducted, medical expenses must exceed 5% of maximum annual pension rate, or $479<\/td>\n<\/tr>\n
      Housebound without dependents<\/td>\n$8,957<\/td>\n<\/tr>\n
      Housebound with one dependent<\/td>\n$11,219<\/td>\n<\/tr>\n
      Aid and Attendance with no dependents<\/td>\n$12,471<\/td>\n<\/tr>\n
      Aid and Attendance with 1 dependent<\/td>\n$13,976<\/td>\n<\/tr>\n
      Illustration:<\/b> Surviving spouse is housebound and has annual income, less unreimbursed medical expenses, of $8,000 and no dependents. That spouse would only be eligible for $957 per year in improved pension ($79 per month).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

      San Diego Veterans Benefits Attorney Volume 2, Issue 8 A prior issue of The Wealth Counselor addressed the planning opportunities that exist with planning for Medicaid (Medi-Cal in California), particularly where the client\u2019s advisors work together to create a plan that addresses all aspects of the client\u2019s planning needs. This issue addresses a related topic, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"\nVeterans Benefits | California Veterans Benefits Attorney | San Diego, CA<\/title>\n<meta name=\"description\" content=\"Trouble with veterans benefits? Our San Diego CA veterans benefits attorney at Casiano Law Firm can help you with your case. 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