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As our loved ones age, it can become increasingly difficult for them to live independently. This is especially true for veterans, who may have unique health needs related to their service. Fortunately, there are resources available to help veterans and their families navigate the challenges of aging and stay at home longer with home care services.
Only a fraction of veterans or their spouses take advantage of their VA benefits to help pay for the cost of senior care. Many don’t realize that these funds are available, and still others have trouble navigating the often confusing and time-consuming process of applying and qualifying for them. This guide walks through what veteran home care covers, who qualifies, and how to apply — so families can get the support their veteran has earned. At ComForCare, we’re dedicated to helping families navigate these resources and providing compassionate care that honors their service.
Veteran home care encompasses a range of services designed to support the independence and well-being of veterans in their own homes. These services, often administered through the Department of Veterans Affairs (VA), help veterans maintain their health, manage daily activities, and remain in familiar surroundings for as long as possible.
Many veterans know that home healthcare services can be covered by the VA. Fewer realize they may also qualify for help paying for non-medical home care — sometimes called companion care or homemaker services — which helps veterans live at home longer without requiring medical treatment.
To qualify for VA home care, veterans typically need to be enrolled in VA healthcare and have a clinical need determined by a VA physician. Eligibility criteria vary by program, but generally, eligible individuals:
These guidelines are general — additional requirements, such as asset and income limits, may apply. Eligibility can also depend on service history, disability ratings, and specific medical conditions. If you believe you or a family member meets the criteria above, don’t give up hope if you run into trouble with net worth limits; ComForCare can help you navigate the nuances and find out which programs you qualify for.
Many families mistakenly believe that VA benefits only cover nursing home care, or that a veteran must have a 100% service-connected disability to qualify. In reality, a variety of VA home care benefits are available for veterans with diverse needs — often allowing them to receive care at home rather than in a facility.
One of the most frequent questions we hear is: “Do veterans benefits cover in-home care?” The answer is often yes, but it depends on the specific program and the veteran’s individual needs. Below are two of the main programs worth knowing about.
The Aid and Attendance (A&A) Pension is a needs-based benefit for wartime veterans and surviving spouses who require assistance with activities of daily living (ADLs). This program is ideal for veterans already receiving a VA pension, and it can significantly offset the cost of home care. As long as a veteran has reached age 65 and/or needs help with at least two ADLs, they can typically qualify.
Aid and Attendance benefits and the related Housebound allowance add extra income on top of a VA pension to help pay for care. As of the current VA cost-of-living adjustment, maximum monthly amounts are approximately:
Additional income and asset limits apply, though these can have complex caveats — which is another reason to work with someone who understands the program.
The Veteran-Directed Care program offers a flexible budget for approved senior care services rather than a direct increase in pension. With the help of a counselor, veterans manage this budget and choose their own care providers. Unlike Aid & Attendance, there are no age, asset, or income limits — the veteran simply must qualify for home and community-based services.
With this program, veterans and their spouses can put their budget toward services such as:
This program provides non-medical care services for veterans who need help with daily tasks like bathing, dressing, meal preparation, and light housekeeping. ComForCare is proud to offer professional services that align with the VA’s Homemaker and Home Health Aide program. For more on our specific offerings, visit our dedicated service page: In-Home Care for Veterans.
With an in-home care service, experienced caregivers help veterans with activities of daily living (ADLs), such as:
VA-supported in-home care can also include medication reminders, companionship, light housekeeping, meal preparation, and transportation — tailored to the veteran’s individual care plan.
At ComForCare, going above and beyond is par for the course: our caregivers develop real relationships with their clients, providing much more than basic services alone.
Understanding how to get veteran home care involves a clear application process. Here’s a simplified guide to help families get started.
You’ll typically need documents such as the veteran’s DD214 (discharge papers), medical records, a marriage certificate (if applying as a surviving spouse), and financial information.
The process usually involves applying for VA healthcare (if not already enrolled), then having a VA healthcare provider assess the veteran’s need for in-home care. Assistance with applications can often be found through veteran service organizations.
When selecting a home care agency, it’s essential to find one that understands the unique needs of veterans and can seamlessly integrate with VA benefits. To learn more about how our compassionate and skilled caregivers can support your veteran, use our Location Finder to connect with a local office.
Yes — in some VA programs, such as Veteran-Directed Care, eligible family members can be compensated as caregivers, though specific requirements
Home health aides provide non-medical assistance with daily living. Skilled nursing care involves medical procedures and assessments performed by licensed medical professionals.
Generally, Medicare does not extensively cover long-term non-medical home care, though it may cover some short-term skilled car
Many ComForCare locations are approved providers for VA programs. Contact your local ComForCare office to discuss your specific VA benefits and how we can help.
Too many veterans don’t get the help they need because they either don’t realize these benefits are available or get overwhelmed by the application process. Receiving your benefits can feel like an uphill battle, but you’re not alone. At ComForCare, we’re proud to serve veterans — helping families confirm eligibility, gather documentation, and navigate the VA system.
If you or a loved one needs assistance to continue living at home safely, talk to ComForCare today for personalized guidance. Let us match you with your perfect caregiver.
At ComForCare, we’re on a mission to help older adults live their best life possible while aging safely at home. Our teams are made of passionate caregivers who are ready to prioritize your loved one’s well-being. Don’t let confusing processes or unclear eligibility criteria stop your loved one from affording the care they deserve. Get in touch with us today to see how ComForCare can help your family!
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