Payment Options

Paying for home care

When it comes time to find non-medical care for your loved ones, paying for this important service is probably the last thing on your mind. But let us help you gain peace of mind by understanding all of your options.

Veterans Benefits:

The Aid and Attendance Benefit is the highest of the three levels of VA's Improved Pensions and is paid as a cash benefit to wartime veterans or their surviving spouses. The 3 levels of the veterans' pension program are:

• Basic Pension / Improved Income – for healthy veterans with low incomes
• Housebound – for veterans with a disability that prevents them from leaving home
• Aid & Attendance – for veterans that require assistance with their activities of daily living

The Veteran Affairs Aid & Attendance Pension program offers families and individuals an additional method of meeting or reducing vital home care costs. For qualifying veterans and their spouses, the A&A Pension provides up to $1,704 per month to a veteran, $1,094 per month to a surviving spouse or $2,020 per month to a couple.

Whether or not you or your family member qualifies for the A&A program, the VA allows households to deduct the annual cost of paying for in-home care when calculating their regular pension benefit.

Unsure if you qualify? Plan B Home Care can help you determine whether your loved one qualifies for Veterans or VA spousal benefits.

Long Term Care Insurance:

Determining home care eligibility and processing long-term care insurance and other benefits can be a substantial and confusing burden. Especially at a time like this when you and your loved one have enough to worry about. If you're unsure whether or not your loved one qualifies for non-medical home care services under his or her current insurance plan, let Plan B Home Care take the burden of eligibility determination off your shoulders. Contact us and we will send the care recipient's long-term health care policy to Financial Health Services, LLC (FHS) who will provide a speedy policy eligibility determination. FHS will also advise you on the terms of your policy so that you understand and maximize the benefits that you have paid for.

Private Pay:

For individuals without Veterans benefits or long-term care insurance, private payment is very often the only option initially available when it comes to covering the cost of essential home care. Though not ideal, in addition to Social Security benefits and private pensions, drawing on savings is sometimes the most immediate means of covering the expense of in-home care.