VA Benefits vs. Long-Term Care Insurance: Can You Use Both for In-Home Care?
When it comes to planning for in-home care, many families in San Angelo, TX, ask an important question: Can you use both VA benefits and long-term care insurance to cover care at home? The short answer is yes—in many cases, these benefits can complement each other, giving veterans and their families greater access to compassionate, professional support in the comfort of their home.
At Comfort Keepers of San Angelo, we specialize in helping seniors and veterans navigate their care options and funding resources. If you're unsure how these benefits work—or how to maximize both—this guide is for you.
Understanding VA Benefits for In-Home Care
Many veterans and surviving spouses may qualify for VA Aid and Attendance, a pension enhancement benefit that helps cover the cost of assistance with daily living activities. This benefit can be applied to services such as:
Personal care (bathing, dressing, grooming)
Medication reminders
Mobility assistance
Meal preparation and light housekeeping
Supervision for cognitive conditions like dementia
Comfort Keepers of San Angelo is honored to serve local veterans by offering in-home care that meets VA standards and enhances their independence and dignity.
To qualify for Aid and Attendance, a veteran must meet specific service, income, and medical eligibility requirements. Our team can help guide you through the paperwork and connect you with local resources that specialize in VA benefits.
What About Long-Term Care Insurance?
Long-term care insurance (LTCI) is a private insurance policy purchased to cover care needs later in life. Policies vary, but most will cover services like:
Assistance with activities of daily living
In-home caregiving
Cognitive support services
Respite care for family members
LTCI policies typically require a physician’s statement, a Plan of Care, and documentation showing that care needs meet the policy’s "benefit trigger" criteria. At Comfort Keepers, we work with major insurance providers like CNA, Genworth, John Hancock, and others to ensure our clients receive the benefits they’ve earned.
Can You Use VA Benefits and Long-Term Care Insurance Together?
Yes—many veterans are able to use both VA benefits and long-term care insurance to pay for in-home care in San Angelo, TX. In most cases, the two funding sources do not conflict. Instead, they can be layered to help cover a broader range of services or extend care for a longer period.
For example:
VA Aid and Attendance may cover part of the cost of personal care assistance, while
Long-term care insurance might reimburse additional hours, supplemental services, or costs not covered by the VA.
By combining these resources, veterans can access a comprehensive care plan that adapts to their changing needs over time.
Let Comfort Keepers of San Angelo Help
Coordinating in-home care with multiple funding sources can feel overwhelming, but you don’t have to navigate it alone. At Comfort Keepers of San Angelo, we’re experienced in working with both VA benefit programs and long-term care insurance providers. Our compassionate team can assist with verifying coverage, submitting required documentation, and building a care plan that’s both affordable and effective.
Whether you’re caring for a veteran or exploring options for yourself, reach out today for a free consultation. Let’s explore every path to quality in-home care—together.
By: Our Care Team
