VA Pension Can Help Housebound Veterans Cover Costs of Living and Long-Term Care

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The U.S. Department of Veterans Affairs (VA) is probably most well-known for providing veterans with health care coverage and medical services, but the VA also offers a wide array of other benefits to servicemembers and their families. One such program offers qualifying vets a monthly monetary benefit to supplement their income. This benefit is known as the basic veterans pension.

An “improved” version of the basic pension called the “housebound” pension is available to veterans who have limited income and are confined to their immediate premises due to a permanent disability. These funds can help offset the everyday costs of living and the costs of long-term care, which can be provided in a veteran’s home or in a residential setting, such as an independent living community or an assisted living facility.

Eligibility Requirements for the Housebound Pension

There are several eligibility requirements that veterans must meet in order to qualify for the housebound pension program. The first and simplest requirement is that a veteran must have received a discharge other than dishonorable. Because the housebound pension is an “improved” version of the basic veterans pension, many of the qualifications are the same except for additional functional requirements.

Wartime Service Requirements

The veteran must have served at least 90 days of active military, naval or air service, with at least one day taking place during a recognized period of war. The VA recognizes the following wartime periods:

  • Mexican Border Period: May 9, 1916 – April 5, 1917, for Veterans who served in Mexico, on its borders or adjacent waters
  • World War I: April 6, 1917 – November 11, 1918
  • World War II: December 7, 1941 – December 31, 1946
  • Korean Conflict: June 27, 1950 – January 31, 1955
  • Vietnam Era: February 28, 1961 – May 7, 1975, for Veterans who served in the Republic of Vietnam during that period; otherwise August 5, 1964 – May 7, 1975
  • Gulf War: August 2, 1990, through a future date to be set by law or Presidential Proclamation

(Veterans who entered active duty after September 7, 1980, must have either served 24 months or the full period for which they were called into active duty with at least one day during a wartime period defined above.)

Financial Requirements

Because this pension is intended to supplement the income of financially needy vets, it makes sense that the VA requires applicants to demonstrate their financial need. There are both income and net worth limitations that must be met to qualify.

For 2018, a veteran’s annual income must not exceed the Maximum Annual Pension Rate (MAPR) of $16,089. For a veteran with a spouse, their income must not exceed $20,166. Income sources include earnings, disability and retirement payments, payments from annuities, and net income. However, a veteran’s countable income can be reduced by the portion of their unreimbursed medical expenses that exceeds five percent of the MAPR for the basic veteran’s pension. For a single veteran, this threshold is $659, and for a married veteran, it is $863.

For example, if a married veteran’s annual income is $25,000, one might think that their income prevents them from qualifying for the housebound pension. However, let’s say that this couple also incurs $7,000 worth of unreimbursed medical expenses over the course of the year. Their countable income is actually reduced by $6,137 (7,000 – 863 = 6,137) to equal $18,863, which is below the MAPR limit. This couple meets the income qualifications for the housebound pension.

When it comes to net worth limits, the VA’s method for determining eligibility is much more complex and a bit of a mystery. Applicants are expected to provide detailed information regarding all the bank accounts, property (except one primary residence) and investments they own. Based on the veteran’s age and life expectancy, the VA will determine whether these assets could reasonably sustain the veteran throughout the rest of their life. Those found to have “excessive net worth” are considered ineligible.

Functional Requirements

The VA enforces certain functional requirements for recipients of this pension as well to ensure that vets who are unable to work, whether due to disability or age, receive the financial assistance they deserve. An eligible applicant must meet at least ONE of the following criteria for the basic pension:

  • Be at least 65 years old.
  • Be permanently and totally disabled (non-service-connected).
  • Live in a nursing home.
  • Receive Social Security Disability Insurance (SSDI).
  • Receive Supplemental Security Income (SSI).

Because the housebound pension is specifically intended to help ill, disabled and aging veterans pay for the high level of care they need, applicants must also prove that they have significant difficulty getting around and are generally unable to leave their home. This evidence is typically provided in the form of a statement written by an attending physician.

For example, if a veteran can manage his or her own activities of daily living (ADLs), but requires oxygen therapy, has difficulty walking, and cannot drive, they have a considerable physical and financial burden when it comes to venturing outside. These functional limitations would qualify the veteran for the housebound benefit.

Pension Amounts and Uses

Veterans pensions are paid out on a monthly basis, considered tax-free income and can be used however the recipient sees fit. For example, pension funds can help cover the costs of housing, food, medical expenses, in-home care services, long-term care, clothing, bills, specialized transportation, etc. VA pension funds can even be used to pay a family caregiver to provide services using a personal care agreement.

Read: Personal Care Agreements: A Must for Caregiver Compensation and Medicaid Planning

As mentioned above, the VA sets Maximum Annual Pension Rates (MAPR) and adjusts them each year to account for changes in the cost of living. The amount that a veteran receives is calculated by subtracting his or her net countable income from their appropriate MAPR. For example, if an eligible vet’s annual net income totals $9,000, then he or she is able to receive $7,089 in pension funds (16,089 – 9,000 = 7,089). This amount is then split up into 12 equal monthly payments of approximately $590.

A veteran who is currently receiving service-connected disability compensation can still receive the housebound pension as long as the disability compensation is less than the pension amount. If eligible, the VA will grant the difference up to the maximum allowable under the housebound pension. However, if the disability compensation is greater than the pension amount the applicant is entitled to receive, then no more money is available.

How to Apply for VA Pension

Although many veterans are eligible for pensions, navigating the filing process is often overwhelming and frustrating. If you think you or a veteran you know may qualify for a veterans pension, the first step is to locate discharge papers (also known as DD Form 214.)

Many veterans have misplaced their discharge records, but there are a couple of options for tracking them down. The first place to look is at the county courthouse where many vets filed their discharge records upon returning home. If you do not have access to or cannot find this document, it is also possible to submit an online request through the National Archives eVetRecs site or submit a request via mail or fax using a SF-180 form. Certain fees may apply for requesting replacement documents. Emergency requests can be made, but regular turn-around times can be as long as 90 days.

Veterans filing for the housebound pension will also need to complete and gather the following:

  • VA Form 21-527EZ (Application for Pension)
  • Additional personal and household evidence including proof of income, net worth information, and all relevant medical records or where to find them (specifics are outlined in the beginning pages of the above form).
  • VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid and Attendance)
  • A detailed statement from an attending physician attesting to the veteran’s level of mobility and describing their daily schedule and movements as well as their ability to leave their home.

Where to Find Help Applying for VA Benefits

Including specific and comprehensive information in a VA application is crucial for timely processing and determination of benefits, but many families need help locating and compiling the necessary paperwork. Veteran service organizations (VSOs) like regional offices of the American Legion, Disabled American Veterans (DAV) and Veterans of Foreign Wars (VFW) can provide this assistance free of charge.

Once an application is submitted, there is a waiting period before a veteran will receive an approval or denial. The amount of time varies according to the backlog of claims the VA is processing, but the average wait time is usually a few months. However, longer waits are to be expected if a vet files an incomplete or incorrect application.

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19 Comments

I have been caring for my Dad for a year now, he is 90 and a veteran of WW2 I have been looking for a job but there are certain times that I have to be here with him and don't think I can leave him for a long period of time...he has been taking care of both our bills and I feel like I should be bringing in some money of my own. I wondered is there anyway the government could help me pay my bills and not depend on Dad. I moved here from FL and I gave up my job and moved in with him since then he has had a pacemaker put in and has problems with passing out and balance he also doesn't have good judgement with some things. I am scared to leave him some days and others he seems okay.. could someone please help me. I would have to take care of all the paperwork for him and I sold my car when I moved here so I drive him everywhere in his truck, so I am limited as to what I can do.
If my dad is currently receiving benefits for a war injury, would he also be eligible for the special pension for needed in home care for both my parents? I currently quit my job to move in and care for them. We all are living on their social security and small ck from my dads service while in the korean war. It is not enough to meet our housing, utilities, travel, food, etc. We have just enough for housing and utilities and food needs are a problem every month. Can I get paid to care for them? Otherwise, I will have to return to work and the state would have to pay for assistance anyway......
Are merchant marines covered under these benefits?