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This Financial Benefit Can Help Your Veteran Loved One Afford Assisted Living

Our servicemen and women give so much time and energy to protect and serve our country.

Ensuring dignity, ease, and care for veterans as they age is an important part of expressing our gratitude for their service.

However, navigating care in one’s later years can be complicated–from selecting the right care situation to navigating which care options are financially viable.

If you have an aging loved one who is a United States veteran (or is the spouse of a veteran), you may find yourself wondering “How can veterans get help with assisted living costs?”

Fortunately, the Aid & Attendance Benefit can be used to cover assisted living costs for wartime veterans and their spouses–though many families aren’t clear on the details or how to go about securing the benefit.

In this post, we’ll provide an overview of the Aid & Attendance Benefit, who qualifies for it, and how to apply to use it for assisted living services.

The Aid & Attendance (A&A) Benefit

The Aid & Attendance (A&A) Benefit is available to honorably discharged wartime veterans over the age of 65 with 90 days of active duty, and is also available to their surviving spouses.

The exact amount of yearly support depends on the situation. See below for more details provided by Paying for Senior Care

  • $21,531 per year for a veteran with no dependents.
  • $25,525 per year for a veteran with a spouse.
  • $13,836 per year for a surviving spouse.

According to the U.S. Department of Veteran Affairs, one of the qualifying criteria for eligibility for the Aid & Attendance Benefit is that he or she requires the aid of another person in order to perform personal functions required in everyday living, such as bathing, feeding, dressing, going to the bathroom, etc.

If your loved one requires assistance with activities of daily living–there’s likely a case to be made for him or her to receive the A&A Benefit.

How to Apply for the A&A Benefit

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If it sounds as if your loved one may qualify for the A&A Benefit, he or she can apply by writing to the Pension Management Center in the state of residence.

Additionally, you and your loved one can visit your local regional benefit office to file a request. Use the VA Facility Locator to find the local regional benefit office closest to you.

In the application, make sure to include evidence (such as a report from an attending physician) that validates the need for Aid and Attendance.

This way, your loved one can receive the necessary rating by the Department of Veterans Affairs to use the Aid & Attendance Benefit toward assisted living costs.

More specifically, the application for the benefit should…

  • Be detailed enough to, as the Department of Veteran Affairs states, “determine whether there is disease or injury producing physical or mental impairment, loss of coordination, or conditions affecting the ability to dress and undress, to feed oneself, to attend to sanitary needs, and to keep oneself ordinarily clean and presentable.”
  • Indicate how well he or she gets around and what he or she is able to do during a typical day.

Utilizing these financial benefits can make assisted living an option for your loved one–so don’t hesitate to begin the application process as soon as possible.

If you’re worried your parent can’t afford assisted living, even with the Aid & Attendance Benefit, we have a helpful resource to share. Download our free checklist today to discover how affordable assisted living can be!

smiling older man with cane

4 Reasons Not to Wait to Move Your Loved One to an Assisted Living Community

When it comes to helping a loved one make the move to an assisted living community, it’s not uncommon to put the move off “until it’s absolutely necessary.”

Often, this conclusion is preceded by your Dad insisting that he is fine on his own, or Mom promising she can manage and doesn’t want to leave her home.

The idea of moving to a new location and changing one’s lifestyle can be daunting for anyone, and attempting to convince your parent otherwise can be a trying task.

Therefore, the decision is put off to be reanalyzed at a later date.

However, many residents at assisted living communities and their families realize, in retrospect, that they wish they had made the move sooner–and there are several reasons for this.

Read on to learn about four downsides, or unintended consequences, of waiting too long to move into an assisted living community…

#1: There’s an increased likelihood of falls and other accidents while living at home.

According to the U.S. Centers for Disease Control and Prevention, every eleven seconds, an older adult is treated in the emergency room for a fall, and every nineteen minutes, an older adult dies from a fall.

Falls are one of the biggest threats to safety in seniors, and once a fall has occurred, quality of life can rapidly decline.

It’s important to note that when tasks such as bathing, dressing, or maintaining the house become more difficult, the likelihood of a fall occurring increases.

It goes without saying, waiting until a fall has happened to make the move to assisted living is not the ideal strategy.

If you can start thinking of the move to an assisted senior living community as a preventative measure, you can take steps to ensure your loved one’s safety.

#2: There can be increased difficulty for family members who attempt to provide at-home care.

In many cases, families will either hire in-home care or attempt to provide the needed care themselves.

Many soon realize that the time and energy investment is more than they can handle, and the quality of time spent with their aging parent decreases as they attempt to assist with a variety of daily tasks.

On the other hand, professional caregivers at assisted living communities can provide compassionate assistance with feeding, bathing, and dressing–enabling adult children to spend more quality social time with their loved ones.

#3: Seniors have an increased likelihood of experiencing loneliness and not enough opportunities for socialization.

Lonely Tree

 

Social isolation is a real threat to the well-being of seniors in the United States.

In addition to increasing the risk of long-term illness, both “social isolation and loneliness are associated with a higher risk of mortality in adults aged 52 and older,” according to a study in the Proceedings of the National Academy of Sciences.

Sitting home alone and watching television is a recipe for a decline in both physical and mental health.

Even if the children and grandchildren make regular visits, it may not be enough.

On the other hand, assisted living communities offer many instances for healthy social interaction and activities with fellow residents. It’s highly recommended to take advantage of these socialization opportunities while still in optimal mental and physical health.

#4: Making a move when the resident is less mobile and physically able is more difficult.

Regardless of age, moving to a new home can take up a certain amount of both physical and mental energy.

Making the move while one is in better shape makes for a smoother transition, with minimized exhaustion.

Assisted living communities offer a range of exciting activities and opportunities that are better enjoyed when in optimal physical and mental health.

If your parent moves to a community but can’t participate in the aerobics classes or bingo games, he or she may live with the regret of not having made the move sooner.

Although it can initially be difficult to talk to your parent about making the move, once settled at an assisted living community, you will likely find that it was the best decision your family could have made.

If you’re looking for a safe, engaging, and warm assisted living community option for your loved one, we invite you to schedule a tour of The Ashford on Broad or The Ashford of Mt. Washington.

We look forward to meeting you!