Veterans benefits that most people don't know about

As our nation’s veterans age, many of them are unaware of the vast array of benefits and perks available to them through the U.S. Department of Veterans Affairs (VA). While many veterans are familiar with the common benefits like healthcare or disability compensation, there are several lesser-known perks that could significantly improve the quality of life for senior veterans. This article aims to shine a light on some of those often-overlooked benefits and help veterans and their families make the most of what’s available.

1. Veterans Pension

The VA provides a pension for low-income veterans, which is often overlooked by senior veterans. The Veterans Pension is a need-based benefit designed to help veterans who have limited income and assets. It is available to those who served during wartime and meet specific income and disability criteria. Veterans do not need to have a service-related disability to qualify, but they must have served at least 90 days of active duty, with at least one day during a wartime period.

For many seniors, this pension can help cover daily expenses and ensure they have access to the care they need. Additionally, spouses and dependent children may also be eligible for this benefit if the veteran is deceased.

2. Aid and Attendance (A&A) Benefit

For veterans who need assistance with daily activities like bathing, dressing, and eating, the VA offers an Aid and Attendance (A&A) benefit. This is an enhanced pension benefit designed to assist those who require the help of another person due to illness, disability, or advanced age.

The A&A benefit can be used to pay for home care, assisted living, or nursing home care. Many veterans are unaware of this benefit, and it can be a lifeline for seniors who need extra support but wish to remain as independent as possible. It can also be applied for in addition to a regular pension, offering increased monthly payments for those who qualify.

3. Housebound Benefit

Another important benefit for senior veterans who have significant disabilities is the Housebound Benefit. This is an additional payment to the veteran’s pension, specifically for veterans who are unable to leave their home due to their condition. While the requirements are similar to the A&A benefit, the Housebound Benefit is for those whose disabilities are severe enough to keep them confined to their home but do not require constant assistance with daily activities.

This benefit can be especially helpful for veterans who are limited by mobility issues or who have chronic illnesses that make it difficult for them to get out and about. The Housebound Benefit can help reduce financial strain and improve their quality of life.

4. VA Healthcare Priority for Seniors

The VA offers priority access to healthcare services, which can be a game-changer for senior veterans. If a veteran is enrolled in the VA healthcare system, they may be eligible for comprehensive care, including:

• Primary care services

• Specialty care (cardiology, oncology, etc.)

• Preventive care (vaccinations, screenings, etc.)

• Mental health services

• Long-term care options (nursing homes, hospice, etc.)

In addition, the VA may waive certain fees for low-income veterans or veterans with service-connected disabilities. Many seniors don’t realize that there is often little or no cost for certain healthcare services once they are enrolled in the system.

5. Dental Care for Eligible Veterans

Dental care is often an overlooked benefit. Many veterans, especially seniors, may not realize that they can receive dental care through the VA, but only if they meet specific eligibility criteria. Generally, veterans with service-connected disabilities or those who are 100% disabled are eligible for comprehensive dental services through the VA.

Additionally, veterans who were prisoners of war (POWs), those with certain income thresholds, and those who are receiving care for other health conditions may also qualify for dental benefits. It’s worth checking with the VA to see if dental care is available for your specific situation.

6. Life Insurance Options

Senior veterans have access to Veterans’ Group Life Insurance (VGLI) even after they retire from active service. While many veterans may be aware of the basic life insurance options available to them during their service, many aren’t aware that they can convert their Servicemembers' Group Life Insurance (SGLI) to VGLI once they leave the military. This can be a key benefit for those who need life insurance coverage in retirement, especially when they are older or have health issues.

Additionally, the VA also offers Service-Disabled Veterans’ Insurance (SDVI) to veterans who have a service-connected disability. This coverage can provide financial security for a veteran’s family in the event of their passing.

7. Burial Benefits and Memorial Services

The VA provides a variety of burial benefits that can ease the financial burden for senior veterans and their families. These benefits include:

• Burial in a national cemetery

• Headstones or markers for graves

• Burial allowances for funeral costs

Additionally, veterans and their families may be eligible for memorial services and honors, such as a military funeral with honors. The VA also provides a Presidential Memorial Certificate to recognize the service of a deceased veteran.

8. Veteran-Directed Care (VDC)

The Veteran-Directed Care program is a relatively unknown but valuable service that allows veterans to manage their own care. Through VDC, veterans who qualify can create a customized care plan and have more control over how they receive care. This program enables veterans to hire personal caregivers, arrange for home modifications, and receive care that suits their specific needs and preferences. This can be especially important for seniors who wish to remain independent for as long as possible.

9. State-Specific Benefits

Beyond federal benefits, many states offer additional perks and services to veterans. These can include property tax exemptions, discounts on public transportation, and additional healthcare services. Some states also provide financial assistance for veterans who are facing financial difficulties or require long-term care. Seniors should explore the benefits available in their specific state, as many states have programs designed to support their veteran population.

Conclusion

There are many benefits available to senior veterans that can make a significant difference in their quality of life, from financial assistance to healthcare services. Unfortunately, many veterans are not aware of all the perks they can access, especially as they age. If you’re a senior veteran or you know one, it’s worth taking the time to explore these benefits and reach out to the VA for assistance. You’ve earned these benefits through your service, and they are there to support you in your later years.

For more information, veterans can visit the VA website or contact their local VA office to learn more about eligibility and application processes for these benefits. Don’t leave any benefits on the table – make sure you’re getting everything you deserve!