eBenefits.Va.Gov

How To Change VA Disability Direct Deposit


eBenefits.Va.Gov

Veterans Benefits; Medical Insurance for Veterans, VA Home Loans – Disabled US Veterans, Veterans of Foreign Wars (VFW), VA Disability Direct Deposit, The American Veterans (AMVETS)..

A common question in my email is:  “how do I change the bank account into which my own disability payments are direct deposited?”  That’s a great question.  Changing direct deposit account info is quick & easy. eBenefits.Va.Gov

va-disability-direct-depositThere are three ways to change your own direct deposit account info:  online, via phone and via the mail.  I strongly recommend that you utilize the VA eBenefits system.  It is your best choice for speedy service.

  • Online, you can create a VA eBenefitsaccount and make changes through the account.  An eBenefit account will also give you 24/7 access to your payment history, GI bill information, and all sorts of other items.  If you receive VA benefits, you should create a VA eBenefits account.  It is be the fastest and most convenientway for you to conduct any business with the VA.
  • Via mail, fill out and send the V.A Form 24-0296.  You could find it here:  http://vba.va.gov/pubs/forms/VBA-24-0296-ARE.pdf.  The directions are on the form. eBenefits.Va.Gov
  • Via telephone, by calling 1-877-838-2778.  I have looked at this one and I wonder how they could verify that you’re actually the person calling.  If you find out, please let me know.  I’m curious.

I always love getting emails from readers.  I can’t answer every one, but don’t worry about it, I do try.  Even if I’m unable to personally respond to your e-mail, I use the information from these emails to understand what information will be most helpful to my readers.

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What You Need To Know About Veterans Benefits

eBenefits.Va.Gov – Because you have served your own country, you’re eligible for a number of veterans benefits, including disability pay or pension, educational assistance, and also home loan guarantees, among other benefits. It’s important to be informed about your veteran’s benefits program to maximize their helpful impact upon your return from active service & for the comfort & safety of your own family.

Disability Pay or Pension

Disability compensation is available to any veteran who sustains an injury or disease while on active duty, or if any injury or disease worsened because of the military service. Additionally, some veterans receive disability pay because of illnesses or injuries suffered while under V.A health care. Disability pay benefits are not taxable.

Those veterans discharged under normal conditions, that is honorable discharge or a medical discharge, etc. are eligible for disability pay. Benefit payments vary, based on the extent of the disability & your own family situation. Those with dependents will be paid a larger amount, as will those with a disabled spouse, or those who have extreme disabilities or loss of limbs. There could also be additional amounts for housebound care & aid and attendance under your veteran’s benefits. eBenefits.Va.GovVeteran-Benefits

Pension amounts are figured based on years of service, date of retirement & pay grade at retirement. For instance, an E-6 level with twenty years of service would be eligible for about $1,600 / month, and an officer at an O-6 level, like a Lieutenant Colonel or Navy Commander, would be eligible for about $6,100 per month with the same years of service. eBenefits.Va.Gov

Survivor’s Benefits

Surviving spouses and children of military personnel are entitled to a death pension, VA home loan guaranty, Survivors’ and Dependents’ Educational Assistance, and medical insurance.

Burial Benefits

Veterans are eligible for death benefits, and there are 2 levels as far as that is concerned. Veteran’s benefits for burial on based on either a service-related death or nonservice-related death. V.A now pays up to $2,000 for burial expenses for deaths after September 11, 2001 vets who died due to some service-related issue. The VA will pay for the cost of transporting the body to a VA national cemetery for burial. For non-service related deaths, the VA will pay up to $300 towards funeral and burial expenses and a $300 additional allowance for plot-interment. If the veteran died while in a V.A hospital or VA affiliated nursing care, a reimbursement for transporting the body is available. eBenefits.Va.Gov

Home Loans

Another of your veteran’s benefits is the VA guaranteed loan program. Veterans, reservists and National Guard members, surviving spouses of veterans who died while in the service & active duty personnel are all eligible for the loan program

Education

The New GI Bill offers a much more comprehensive package of educational assistance than ever before &  offers help to survivors and dependents as well. eBenefits.Va.Gov

Medical Benefits

Medical veteran’s benefits package includes preventive services, outpatient services, emergency services, medical and surgical care, chiropractic care, mental health care, bereavement counseling, and substance abuse counseling. It also provides prescription and over the counter medications and medical supplies.

Denise Gabbard is a Professional Writer & also SEO and Social Media Consultant. She feels strongly that our country must always support our military people, and urges veteranss to become familiar with their veterans benefits.

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The Veterans Home Loans Program Is Full Of Benefits For Its Users

eBenefits.Va.Gov – Veterans benefits extend way beyond the ability to receive disability payments or attend school for free to get a secondary education after discharge from the armed forces.

Yet many veterans aren’t aware of the details defining their own additional benefits, especially when it comes to the real estate for military members to purchase when they wish to join the homeowner ranks.

And, there’re many ways for the personnel who have served in the armed forces to use their govt-granted benefits that don’t just fall into the home loan category.

To begin, individuals who belong to this group of home buyers would find that one main advantage they could enjoy is to get a veteran home loan with little or no money down.

Also, interest rates for veterans real estate loans are usually much lower than what the other folks who have not served their country are able to secure. Veteran mortgage loans are also not subjected to penalty fees if the borrower decides to attempt prepaying the loan, a condition that is not on the table for the non-combatants of the group. eBenefits.Va.Gov

In addition, the military home loan doesn’t only have to be used for the purchase of a residence, as the acquired funds can also go towards making improvements within an existing home such as upgrading to energy efficient equipment or installing re-enforcers onto the property’s foundation for better protection against the elements. Solar heating and solar cooling are other improvements that are commonly made when using a military home loan for reconstructive purposes.eBenefits.Va.Gov

disabled-veterans

To sweeten the deal even further, military employees who are granted the ability to receive a veterans home mortgage are not liable for mortgage insurance premiums that are due on a monthly basis for the non-veteran homeowners of the bunch.

Continuing, those who have served their country and are now in the market to buy real estate are automatically entitled to an appraisal of the property they are interested in – a step which is still mandatory for home buyers who do not qualify for veterans administration home loans, but one they have to arrange themselves as the automatic entitlement factor is not present for non-veterans. eBenefits.Va.Govveterans-home-loans-program

Veterans can moreover use their military real estate benefits by choosing to refinance an old home loan instead of buying another piece of property and hence having to apply for a new loan altogether. A tactic such as this one is usually utilized by those who are merely wanting to reduce the rate of interest that is paid on the loan.

One of the biggest points of contention during the process for buying a home is how much both the seller and the buyer are going to take care of monetarily when it comes time to close the deal. However, a person with military status using the veteran home loan program is guaranteed to have limited buyer closing costs at the end of the transaction, which is just another plus to fighting on behalf of the United States.

Veterans Home Loan Benefits Also Include The Ability To Acquire A Special Thirty Year Mortgage

Veterans continue their homeowner benefits by having the choice of signing up for a 30 year mortgage loan – an arrangement that comes with more than one type of plan available for repayment.

What are the details of the different plans intended for the re-payment of a 30 year veteran home loan?

A fixed payment of the traditional type is the first of the three veteran mortgage plans. A constant interest rate is the theme of this arrangement. In addition, a fixed payment plan comes along with a a potential increase or decrease in fees for homeowner’s insurance and the taxes paid on the property, with the possible rate change dependent upon the economy of the time. eBenefits.Va.Gov

Graduated mortgage payments for the owner of the veterans real estate gives that person the chance to begin the payoff process with lower monthly amounts, until the loan reaches its sixth year – at which time the payments will level out to a constant consistent fee each month.

The third way to repay a 30 veteran mortgage is through a process called “growing equity mortgage.” This plan includes payments that will gradually increase in value, but the funds are applied only toward the principal loan amount so it can be paid off more quickly by the property owner. eBenefits.Va.Gov

Why are the armed forces soldiers so seemingly in the dark when it comes to the veteran home loan benefits to which they are entitled as a reward for enlisting in the armed forces?

It can be a case of not reading every word in the military contract prior to signing it; the small print that comprises the documents can be the cause as trying to painstakingly read it can easily lead to sore eyes; or the person in question just may not be concerned about his or her rights and benefits as a veteran because he or she staunchly believes that to become a homeowner is not a future possibility.

Whatever the reason, gaining knowledge about the house buying process is a surefire way to enjoy the benefits associated with military home loans, on top of eventually coming to the realization that owning a home is not such a far reaching dream after all.eBenefits.Va.Gov

Buying a home & selling a home are two of the most important milestones ever experienced by many during their lifetimes. Both the home selling process and home buying process could prove to be complicated. Therefore, hiring a real estate agent is the way to go. I specialize in Lakewood, California homes. And because I grew up in the area, I’m therefore a local real estate agent who is very familiar with the community and its associated amenities. If you are looking to buy or sell property in Lakewood or even Long Beach, contact me ASAP so together we could find your dream home.

http://www.blueclearskyproperties.com/

eBenefits.Va.Gov: Obtaining a VA Home Loan

When a person has served in the military and wants to purchase a house, one of the first things they should do is look into a VA home loan. This loan enables a buyer the chance to purchase a house with no money down. It’s possible they may not be required to pay mortgage insurance every month. There could be limitations on closing costs paid by the buyer. And an appraisal detailing the value of a property could also be provided.

What Amount of Time Is Required?

Answering this question with any accuracy can be difficult. The majority of VA loans are able to be closed within 45 days. This is common in the mortgage industry. There are a number of steps in the approval process and getting preapproved is one way to shorten the closing time. Preapproval means a person has met the lender’s basic requirements for a loan before starting the process. The timetable for a seller to move out of the house and a buyer to move into the house can impact the closing time. An agreed upon moving date can also make the process longer or shorter. The VA appraisal also plays a role. Should the appraiser make the loan based on necessary repairs, the closing date could be extended by weeks and sometimes even months. After an appraisal, the VA loan must then go through the underwriting process. This is the final step. The need for more documentation or resolving eligibility issues can cause the closing date to be extended.

How much income do I have to make to get approved?

When a person applies for a VA home loan, they will hear about a formula known as the debt-to-income ratio (DTI). The DTI takes the VA loan applicant’s monthly debt payments and compares them to their gross monthly income. A lender will focus on monthly debts such as the cost for housing, unsecured debts and more. The DTI ratio benchmark for a VA loan is approximately 41 percent. When it is more, a lender may want additional financial information. Should a person have a high percentage of debt when compared to their income, they shouldn’t give up. Some lenders will provide a VA loan with higher DTI ratios. eBenefits.Va.Gov

How much time do I need to have on active duty to get a VA loan?

The first step in applying for a VA loan is to complete and submit VA form 26-1880. This is to request a Certificate of Eligibility. This certificate is provided by the Veterans Administration. It is proof a person is eligible for a VA loan. It does not guarantee a person will be approved for a loan. The length of time required on active duty is determined by when a person was in the military. A person who served in the Gulf War must have completed 24 months of continuous active duty or for at least 90 days and received an other than dishonorable discharge. A person will qualify if they served during this time for less than 90 days but have a service-connected disability. To learn specific length of service requirements for a VA loan, contact the Veteran’s Administration.

VA Loan Specialist helps veterans obtain the loans they are entitled to. He served in the United States Marine Corps, and now devotes himself to the Veteran home buyer in the Phoenix area, fulfilling a passion of his while at the same time helping others achieve home ownership. Be a proud homeowner today. For more details call 480-351-5904 or visit the site http://www.valoansforvets.com/

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Veterans Aid and Attendance Pension Benefit – Long Term Care Benefits for Veterans

NoeBenefits.Va.Gov – Veterans Aid and Attendance Pension Benefit — Long Term Care Benefits for Veterans What Is the Aid and Attendance Benefit? The Veterans Benefits Administration offers a disability income available to veterans who served during a period of war or to their surviving spouses. This special benefit is officially called “pension” but is more popularly known as the “veterans aid and attendance pension benefit”. For a pension benefit for veterans younger than 65, evidence of total of disability must be provided. Veterans 65 and older do not have to disabled.

The National Care Planning Council estimates that as much as 30% of the US population over the age of 65 would qualify for the aid and attendance pension benefit under the right circumstances. That’s how many war veterans or surviving spouses of veterans there are. The benefit is such a well-kept secret that only a small fraction of these eligible veterans are actually receiving it. Death pension — a benefit available to a surviving spouse– is a lesser amount based on the same rules for applying for a living pension claim. In other words, the deceased veteran must have met the rules for pension — with the exception of being totally disabled or over age 65 — or have been receiving pension in order for his or her spouse to receive the lesser benefit. In addition, in order to be eligible or keep receiving the benefit, the surviving spouse must remain single.

Who can submit a claim? A claim is submitted by the veteran or by the veteran’s single surviving spouse in the case of a death claim. A duly appointed service organization, an employee of the local regional VA office, or a VA approved agent may file a claim on behalf of the veteran or the spouse. A claim cannot be filed with a general or durable power of attorney. The application will be sent back requesting proper documentation for a VA power of attorney. The veteran must sign a document specifically authorizing a power of attorney for someone to submit an initial claim for him. Many chagrined children with a durable power of attorney have submitted claims on behalf of a parent only to have the claim rejected by VA.

What happens if the veteran is incompetent? If the veteran can’t submit the original application or sign a power of attorney for a surrogate to file an application, then a duly appointed guardian can complete the application. VA also allows the spouse, a parent or next of kin, or a friend to complete and submit an application on behalf of an incompetent veteran if that person submits the proper power of attorney request and indicates the applicant could be considered incompetent for financial affairs. Even though the veteran or surviving spouse may be incompetent for financial affairs, he or she should always sign the power of attorney request if he or she is competent to do so. VA may appoint a fiduciary to take over the claim and the affairs for the claimant if VA determines he or she is incompetent.

How does VA handle power of attorney? Employees of VA and veterans service organizations already have authorization for power of attorney to file an application on behalf of the veteran. They have forms for the veteran to sign to allow this to happen. An attorney representing the veteran in other affairs can also request a power of attorney in the proper format and on his or her letterhead. Any single individual may also submit a letter requesting power of attorney to submit an application if it is signed by the veteran and if the letter provides certain required information. There is also a VA form in the book support packet that can be submitted for power of attorney. All attorney requests submitted for power of attorney must state that the veteran is not paying a fee to file the application on his or her behalf.

What is an “aid and attendance” or “housebound” rating? A “rating” is granted by a veteran service representative where a condition exists that makes the disability more severe. Medical evidence is required unless someone is a patient in a nursing home, and then the requirement is waived. The rating allows VA to pay an additional monthly amount of pension or compensation to a veteran or a surviving spouse for additional costs associated with this disability.

How does one qualify for aid and attendance or housebound rating? The application form has a block allowing for a request for either rating. Submitting medical evidence in advance instead of waiting for a request from VA can help expedite the process of getting this rating. We have provided in the book support packet, a sample form that might be used for this purpose. This form is also designed around information that VA is looking for and may be a more effective presentation of the facts than typical medical records from the doctor.

What is the effective date? The effective date is generally the day VA receives an original application. If it takes three months for the process of approval or six months, it doesn’t matter. The effective date still reverts to receipt of the original application.

When does payment begin? Generally, payments start on the first day of the month following the month of the effective date. This means that if it took six months to get approval, at least five months of benefit will be paid retroactively. VA requires automatic deposit of awards in a checking or savings account.

What happens if the veteran dies during the period of application? If the veteran dies during the period of application and the application was not approved prior to the death, there may be accrued benefits. If the regional office had all of the information in its possession that would have led to an approval, then there is an accrued benefit payable. Otherwise there is none. The full benefit is available for the month of death of the veteran and to a surviving spouse through an application on Form 21-534. This is the same form a surviving spouse uses for a death benefit claim for himself or herself. VA will award either an accrued benefit or death benefit to the surviving spouse whichever is larger. If there is no surviving spouse or dependent child, VA will pay the unreimbursed costs of last illness and burial to the person who paid those costs. A special claim must be submitted for these costs, not Form 21-534.

What is a veteran’s federal fiduciary, and does that affect the application? For a veteran who is considered incompetent to handle his own financial affairs, VA will appoint a fiduciary to receive the money and pay the bills. A federal fiduciary is an individual appointed for this purpose, usually a spouse or a family member. In most cases — except for the spouse living with the veteran — there is an interview required and mounds of paperwork. This process can take a long time, and it is to the advantage of the person filing an original claim to request the appointment of himself or herself as a fiduciary or for some other appropriate person or organization to help expedite the process. VA always makes the final decision on whom it appoints as a fiduciary. In fact, the agency might well ignore court appointed fiduciaries. In general, the decision favors declaring the veteran competent and avoiding a fiduciary where at all possible.

What is the income test for pension? If the household income adjusted for unreimbursed medical expenses and a deductible is greater than the maximum allowable pension rate — MAPR — there is no benefit. In 2007, the maximum allowable rate for a couple with aid and attendance allowance is $21,615 a year. For a single it is $18,234 a year. Without aid and attendance or housebound allowance the maximum couple’s rate is $14,313 a year and for a single it is $10,929 a year. Death pension rates are lower. People seeking a benefit with adjusted incomes greater than these levels will be denied.

Can a household with income above the maximum limit qualify for pension? A quirk in the way benefits are calculated can allow individuals and couples earning between $24,000 to $60,000 a year to still qualify for a benefit. It has to do with the treatment by VA of the very large recurring medical costs associated with home care, assisted living, or nursing home care.

What is the pension household asset test, and what can be done if the asset test is not met? As a general rule assets cannot exceed $80,000. A veteran or spouse occupied-house, a reasonable amount of land upon which it sits and a vehicle are exempt from the asset test. In reality there is no specific test in the regulations. Veterans service representatives are required to file paperwork justifying their decision if they allow assets greater than $80,000. Thus this amount has become a traditional ceiling. The service representative is encouraged to analyze the veteran’s household needs for maintenance and weigh those needs against assets that can be readily converted to cash. In the end, the decision as to allowable assets is a subjective decision made by a service representative. In certain cases a benefit award could be denied even if assets are below $20,000 or $10,000 or even zero dollars. There are legal ways to get around the asset test if assets are too high. These are described in our book. eBenefits.Va.Gov

What proofs and documents are required with the pension claim? We have already discussed the requirements for power of attorney and fiduciary if they apply. In addition, an original copy of the discharge from service — typically DD 214 or form WD — is required and the discharge must have been honorable. If there is a question about the marriage relationship, a marriage certificate or other proof may be necessary. Birth certificates of dependent children are usually not required but may be necessary under certain conditions. A dependent child is a minor, a dependent student under age 23, or a totally dependent adult child. There are certain documents that need to be submitted to prove future recurring medical expenses and to prove need for aid and attendance or housebound allowances. VA does not furnish these documents nor provide any information that they are required. Sample documents that could be used for these purposes are included in our book.

Can someone charge to help fill out the form? Federal code and VA regulations prohibit an agent, advisor or attorney from charging a fee to fill out and file a claim for pension. Most practitioners or providers help their clients for free, sometimes in the context of solving other retirement issues or providing long term care services. Some practitioners offer application advice for a fee (which is legal) but will send their clients to a veterans’ service organization to complete the application. Some assisted living facilities or home care providers also offer free advice or help and this seems to be an acceptable practice. An agent or attorney can also be paid by a disinterested third party under certain conditions to complete an application. However, a home care agency, assisted living facility or nursing home that pays an agent or attorney to complete an application on behalf of a resident or client does not meet the definition of a disinterested third party is in violation of the prohibition for charging a fee

How are assets, income and unreimbursed medical expenses determined? The applicant must submit details on the application of all income and all assets including retirement savings accounts such as IRAs. Almost any type of money received or anything received that can be converted into money is income. The only exclusions for assets are a personal residence (occupied by the veteran or spouse) and a reasonable amount of land it sits on as well as vehicles and other personal possessions. Personal possessions used as an investment such as a coin collection are counted as assets. Unreimbursed medical expenses can be almost any expense related to medical needs.

Are there any other reporting requirements? VA requires that any change in income or assets be reported immediately. The award is calculated for 12 months in advance, but at the beginning of each calendar year, a formal report called an EVR (Eligibility Verification Report) must be filed detailing all income, assets and unreimbursed medical expenses for the coming calendar year. For example if the award is granted in April for 12 months in advance, an EVR must be submitted in January of the next year that could affect the award amount for the remaining four months of the initial 12 month period. The EVR will be used for determining benefits for the calendar year on which it is based.

What is a veteran’s federal fiduciary, and does that affect the application? VA can appoint a number of different types of fiduciaries to manage the funds on behalf of an incompetent veteran. A federal fiduciary is typically an individual such as the spouse or a child whom the VA is most likely to appoint. If VA is not notified with the application that the veteran may be incompetent and that a fiduciary appointment is requested, this could slow down the application and approval process.

Will the pension benefit pay a nonlicensed homecare provider? VA does not pay providers directly but provides extra income to make up for the cost of licensed medical care. Medical conditions or injuries or diseases that require a need for ongoing licensed homecare will allow the applicant to reduce household income by the cost of homecare making it possible to receive the additional income from a pension award. If the beneficiary has an aid and attendance or housebound allowance, VA will allow deductions for nonlicensed providers as well.

Will the pension benefit pay a member of the family to provide care at home? As explained above, VA will not pay providers directly but only indirectly through extra income. If the beneficiary receiving care in the home has received a rating for aid and attendance or housebound, VA will allow expenses paid to a family member for care to be counted as unreimbursed medical expenses to qualify for the benefit. The care arrangement must be legitimate and appropriate evidence must be provided.

Does the pension benefit pay the costs of a nursing home? The application form has provision for indicating residency in a nursing home and whether or not the applicant is eligible for Medicaid. VA will automatically apply the monthly cost of the nursing home in determining the pension benefit. If the applicant is single with no dependent children at home and is eligible for Medicaid, VA is required to stop any payment of full benefits and only provide the veteran with $90 a month.

Does the pension benefit pay the costs of assisted living? As explained above, VA will not pay providers directly but only indirectly through extra income. If the beneficiary receiving care in assisted living has received a rating for aid and attendance or housebound, VA will allow expenses paid to assisted living for aid and attendance or housebound ratings — including room and board — to be counted as unreimbursed medical expenses. The cost of assisted living being used as a retirement residence is not considered a medical expense. It does not warrant a rating and cannot be deducted.

What are the requirements to receive a death pension benefit? The applicant must be a surviving spouse or a dependent child of an eligible veteran. VA form 21-534 is used to apply for death pension, death compensation, accrued benefits, or dependency and indemnity compensation (DIC). The surviving spouse must be single. A surviving spouse of any age is eligible as long as the deceased veteran served at least 90 days during a period of war. They had to be married at least a year prior to death or have a child as a result of the marriage. There is no requirement for total disability for the surviving spouse nor for the deceased veteran to have been totally disabled or older than age 65.

How does one prove that unreimbursed medical expenses will recur every month? VA has specific rules for proving future recurring medical expenses. Information in our book outlines the type of paperwork that must be submitted for each type of long term care service. The book also contains appropriate forms for this purpose. Neither the claims form nor information from the regional office provides any guidance on the rules for proving future recurring medical expenses for home care or assisted living. One simply has to know how to do it. This one crucial step often makes the difference between a successful claim and a denial. eBenefits.Va.Gov

What if the veteran or spouse is currently receiving Medicaid? Our interpretation of the rules leads us to believe that VA will not consider Medicaid payments as income. However, Medicaid will consider the nonallowance portion of the pension to be income. This could affect Medicaid eligibility in income test states. There is evidence that some income test states count the entire pension benefit including the allowance as income. According to federal Medicaid rules this should not happen.

What happens when the veteran or spouse wants to receive pension & Medicaid together? Federal law requires that a single veteran receiving Medicaid with no spouse or dependent children can receive no more than $90 a month from VA. Veterans in state veterans homes are exempt from this requirement. The veteran with a spouse can receive the benefit to help defray the costs of a nursing home. As a general rule, the pension benefit would probably not work if Medicaid were paying the bill. But the benefit does work well for non-Medicaid nursing home beds and while the recipient is going through the Medicaid spend down.

This article is an excerpt from the book — “VETERANS AID AND ATTENDANCE BENEFIT — LONG TERM CARE BENEFITS FOR VETERANS” — published by the National Care Planning Council and written and edited by Thomas Day, Council Director. This first-of-its-kind book is available in two editions — the Standard Edition (209 pages) for the general public and the Professional Edition (443 pages) to be used as a handbook for advisors and care providers. Both books contain the necessary information and forms to complete an application for the benefit. The Professional Edition also includes citations from rules and regulations, hypothetical planning cases, asset reduction strategies and a software CD with benefit estimate software, all applicable forms and planning sheets. To review and purchase the book go to http://www.longtermcarelink.net/a16veterans_books.htm or type in your browser window www.veteranbook.com.

Thomas Day specializes in the area of long term care planning. As director of the National Care Planning Council and chief spokesman for the Utah Elder Care Planning Council he maintains a busy schedule giving advice to concerned caregiving families and conducting radio and reporter interviews. He is also responsible for maintaining several Internet sites one of which, http://www.longtermcarelink.net is a frequently visited and popular site for long term care issues. The site currently is receiving the equivalent of 6 million hits a year. Tom is also busy writing articles and has completed three new books on long term care planning published by the National Care Planning Council.

Tom graduated from the University of Utah with a BA in physics and math and an MBA in finance. He holds a CLU designation from the American College. Tom and his wife Susan live in Centerville, Utah. They have seven children and 17 grandchildren.

Please contact Tom at 800-989-8137 or tomday@longtermcarelink.net

Veterans Aid and Attendance Pension Often Overlooked

eBenefits.Va.Gov – When you,re planning for the eventualities of aging you do need to state your wishes concerning the distribution of your assets at the time of your death, but you also need to prepare for life as a senior citizen. No one knows for sure how they will feel when they enter into their twilight years, but it is important to make sure that you recognize the possibilities and act accordingly. Many people will ultimately reside in assisted living facilities or nursing homes as they find it increasingly difficult to tend to their own day to day personal needs, but facilities such as these can be quite expensive.

Planning for the possibility of a stay in a nursing home or assisted living facility is prudent, and when you are doing so it is a good idea to make sure that you are not overlooking any government benefits that you may be entitled to. Many veterans are not aware of a benefit that is called the Veterans Aid and Attendance (A&A) Pension, a monthly payment that is available to qualified veterans who need daily help with personal care matters such as bathing, dressing, eating, etc. At this time the maximum monthly benefit for single veterans is $1,632 per month; for couples it is $1,949 per month; and for eligible surviving spouses it stands at $1,055 per month as of this writing. eBenefits.Va.Gov

The thing about this benefit that may keep it hiding in plain sight, as it were, is the fact that many veterans would not think that the amount of time that they served could warrant such a significant reward. To qualify for the Veterans A & A Pension, one must have served a minimum of 90 days on active duty with at least one day taking place during a time of war. If you are interested in applying for this veterans benefit or learning more about it directly from the source, the best course of action is to contact the United States Veterans Benefits Administration.

Charles Pyke is a leading provider of expert estate planning guidance in Atlanta, GA. For more information on veterans aid and attendance and other estate planning services, visit our website.

eBenefits.Va.Gov