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Getting the Government to Pay Family Members for Eldercare at Home

Long Term Care Insurance: What is it exactly?

Reverse mortgage: Cash bonanza for seniors?

Health Insurance 101 for Senior Citizens 

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Medicare: How will it help me?

How to Afford Senior Housing...Know Before You Go!

Elder parent's finances:Help them without hurting yourself.

The Caregiver Trap

Ways to Pay For Nursing Home Care

Budgeting for Senior Care: How Much Does Elder Care Cost?

Angry With Medicaid: It's Time to Face Reality

Social Security: Can I get it now?

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Family Trusts and Conservatorships- Remedies to Reverse Undue Influence

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Getting the Government to Pay Family Members For Eldercare at


Page #2

 By: Thomas Day

See Page #1: Getting the Government to Pay Family Members

Using the Veterans Aid and Attendance Pension Benefit:

A totally overlooked source of money to pay family caregivers to provide care at home is the aid and Attendance Pension Benefit. This money is available to veterans who served during a period of war. Pension money is also available to the widows of these veterans. This benefit, under the right circumstances, can provide up to $1,843 a month in additional income to pay family members to provide care at home. 

It also comes as a surprise to many people that about 33% of all seniors could qualify for the aid and attendance benefit. That's how many veterans or their surviving spouses there are in this country. Getting the aid and attendance benefit to pay for family caregivers is not an easy task. This is because there must be a caregiver contract in place and services for care must be initiated and thoroughly documented before application can be made. Getting these applications approved requires using a consultant who understands the documentation requirements. Very few people can do it on their own.

Using Medicaid Spend down to Pay Family Caregivers:

In order to qualify for Medicaid nursing care, a person must spend his or her cash assets down to less than $2,000. Instead of giving this money to the nursing home and waiting for Medicaid to kick in, the potential beneficiary can instead transfer this money to a child in return for caregiver services. This is not considered a gift and if done properly does not create a penalty for Medicaid eligibility. The strategy also allows Medicaid to take over paying its portion of the nursing home costs much sooner.

As with the caregiver contracts for VA benefits, an expert in this area of Medicaid benefits is required in order to do it right. In fact, the same type of caregiver agreements used for obtaining extra income under the veterans benefit can also be used for Medicaid. A consultant who is proficient in both the aid and attendance benefit and Medicaid personal caregiver agreements can be of great service to the community. This contracts’ consultant can help relieve a great deal of caregiver stress by providing funds to help that caregiver cope with personal financial pressures.

About the Author:

The National Care Planning Council and its affiliated members are dedicated to helping the American public recognize the need for long term care planning and to helping implement that planning. Planning for long term care is important. To learn about The National Care Planning Council and long term care visit our website at

Article Source:

Webpage by Paul Susic MA Licensed Psychologist Ph.D. Candidate                                     

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