VA Benefits for Assisted Living and Elderly Care

What Veterans and Their Spouses Need to Know

What VA Long-Term Care Services Are Available?

Veterans have access to a number of types of long-term support services through the VA, including 24-hour nursing care, rehab, and physical therapy. When they meet certain criteria, they can receive assistance with daily routine tasks like dressing, bathing, meal prep, and medication management. Veterans are offered resources for pain management, mobility, and personal care, while caregiver respite programs provide benefits so families of veterans can have a break to ensure their own self-care. 

Who qualifies and general eligibility

U.S. veterans are eligible for VA long-term care benefits if they’re enrolled in the VA health system and need medical support, show a demonstrated need for daily living assistance, or have a service-related disability. If you’re a veteran, you must have access to local VA services near you to be considered eligible. In certain circumstances, the VA will also sometimes consider your age, chronic health condition, or the needs of your caregiver when determining eligibility for long-term care services.

Where Can Veterans Receive Care?

Some private nursing homes are contracted with the VA to provide comprehensive care for veterans. They support their long-term medical and personal care needs so they can live near family and friends, in familiar surroundings. Dedicated nursing home staff and nurses provide 24-hour care when needed for complex conditions, including pain management and specialized dementia care, and hospice services. From daily routine care to end-of-life comfort, private nursing homes ensure consistent and compassionate care is offered to their veteran residents. 

A partnership between individual state governments and the VA  provides access to state-run VA nursing homes for veterans, which are partially funded by the VA. More than 100 Community Living Centers for veterans exist around the United States. Veterans need to reside in the state, need medical care, and have received an honorable military discharge to receive services. 

Veterans can also receive nursing home-level care from nurses and other medical professionals at VA facilities called Community Living Centers. Some veterans stay for the remainder of their lives, while others stay temporarily for rehabilitation. 

Assisted living and adult foster homes

VA benefits for assisted living may provide partial funds for essential care so independent veterans can live in a safe, supportive assisted living community. Pension enhancements or care coordination programs assist veterans in covering the cost of their care and the financial burden on families in assisted living facilities,  because the VA doesn’t typically cover costs for room and board at them. 

Veterans who want to live in a smaller, home-like environment may prefer an adult foster home. They include residential support from a caregiver for a few veteran residents who need help with daily living and basic health needs. VA benefits help cover the cost of living in these settings. 

Care in the veteran’s own home 

Several options are available for veterans who want to stay and live in their own homes but need assistance managing their chronic health conditions and help with daily tasks. Adult day care offers daytime support but allows them to return home afterwards. If a veteran lives at home and needs hospice or palliative care, these services are also available.

In-Home and Community-Based Services

Home health aides are available for veterans who need help with medication management and personal care. Adult day care centers provide structured activities and social engagement that also give respite to caregivers. Hospice programs provide services for veterans who need end-of-life care in their homes. Telehealth services enable veterans and their caregivers to link with providers remotely so they can manage their health needs from home and don’t need to travel.

How these services support aging in place

With veterans benefits for elderly care, aging in place supports veterans when they want to stay in their homes.  The layers of support services can ease the family’s burden for care. 

What’s Covered and What’s Not?

Not every VA service is covered by the VA or free, especially if your condition isn’t related to military service. 

VA-Covered Services:

  • Primary care (checkups, screenings, immunizations)
  • Mental health services (PTSD, depression, substance use)
  • Inpatient and outpatient hospital care
  • Emergency care at VA facilities
  • Prescription medications approved by VA providers
  • Physical and occupational rehabilitation, and speech therapy
  • Hospice and home health care if eligible
  • Prosthetics, hearing aids, and mobility devices
  • Routine exams for vision care 
  • Some Long-term care facilities 
  • Telehealth services
  • Caregiver support and transportation assistance
  • Bereavement counseling for eligible family members

What Isn’t Covered by the VA

  • Cosmetic surgery that is not medically necessary
  • Gender-affirming surgical procedures 
  • Health club or spa memberships
  • In vitro fertilization and fertility treatments
  • Medications  and devices that are not FDA-approved 
  • Emergency care in non-VA facilities (unless preauthorized or under specific conditions)
  • Services from non-accredited providers
  • Dental care (except when it meets specific eligibility criteria).
  • Alternative therapies like acupuncture, massage, and herbal treatments
  • Over-the-counter medications not prescribed by VA providers
  • Copays, private insurance, Medicare/Medicaid help 

The VA encourages veterans to retain their private health insurance policies because they sometimes pay for services the VA doesn’t cover, such as outpatient copays or some prescriptions.  Combining VA benefits, private insurance, and Medicare or medicaid benefits will avoid coverage gaps and reduce veterans’ out-of-pocket expenses.

Do Spouses of Veterans and Family Caregivers Get Nursing Home Benefits?

VA assisted living benefits for a surviving spouse include funeral costs, insurance, access to counseling, access to VA-backed home loans, and educational support. Eligibility for spouses depends on the length of their marriage to the veteran, their income, and whether the veteran served during a war. 

Respite care and caregiver assistance

VA Respite care and assistance are available for caregivers to prevent burnout and provide temporary relief. 

How to Apply and Get Help and Who to Contact

Enrollment basics for VA benefits include submitting form 10-10 EZ online, via mail, or in person at a VA facility. Be ready to provide proof of income and discharge papers. After these are received, the veteran will be assigned a priority group based on their service history. Social workers at VA hospitals, the health benefits hotline, or the VA website can detail each step. 

Latest Blog Posts
VA Benefits for Assisted Living and Elderly Care

Discover the key differences between retirement homes and assisted living to help you choose the right care for your loved one’s needs.

10 Signs That Death May Be Near in Dementia

Discover the key differences between retirement homes and assisted living to help you choose the right care for your loved one’s needs.

Retirement Home vs Assisted Living

Discover the key differences between retirement homes and assisted living to help you choose the right care for your loved one’s needs.

Is It Illegal to Leave a Dementia Patient Alone?​

Learn the risks of leaving a dementia patient alone, legal responsibilities, care strategies, and how to plan for their safety.

Our Services

Memory Care

Our experienced staff provides a structured environment where residents with Alzheimer’s disease and other dementias can thrive with set routines.

Club Stellar

Residents who are early on in the progression of their dementia or Alzheimer’s disease may be eligible for our Club Stellar program and special rate.

Dining

Our staff prepares nutritious meals three times a day, featuring in-season fruits and vegetables, homemade soups, and diabetic options.

Activities

The Stellar Care activities staff curates tailored activities, field trips, and programs for all residents at various levels in the progression of their dementia.