Long Term Care for Veterans

Benefits are available but may not be enough.

There are literally millions of veterans who served during WWII, the Korean Conflict, the Vietnam War, the first Gulf War, the Afghanistan and Iraq War who fall into the category of needing help.

The Federal LTC plan does not qualify for state Partnership asset protection. You would need a Partnership qualified policy to protect your assets from Medicaid.*


Below are websites with information for Veterans.

Veterans Administration
You can access and manage your VA benefits and health care.

Our goal is to provide excellence in patient care, veterans' benefits and customer satisfaction.

Of the 25 million veterans currently alive, nearly three of every four served during a war or an official period of hostility. About a quarter of the nation's population -- approximately 70 million people -- are potentially eligible for VA benefits and services because they are veterans, family members or survivors of veterans.

The Department of Veterans Affairs (VA) may provide long-term care for service-related disabilities or for certain eligible veterans. In 1999, the Veterans Millennium Health Care and Benefits Act expanded VA health programs to include many that may be of use to aging veterans with long-term care needs. The Act requires the VA to provide long-term care to veterans who meet established disability criteria, or to those who need care because of service-connected disabilities.

This bill expands access to nursing home care and other extended care services to veterans who do not have service-related disabilities, but who are unable to pay for the expenses of necessary care. For those who qualify, the benefits can provide financial assistance for some long-term care costs. Co-pays may apply depending on the veteran's income level. Middle-class veterans who need long-term care for non-service-related conditions may find it difficult to access VA benefits for long-term care.

The VA also has a Housebound and Aid and Attendance Allowance Program that provides cash grants to eligible disabled veterans and surviving spouses in lieu of formally provided homemaker, personal care and other services needed for assistance in Activities of Daily Living and other help at home.

National Veterans Legal Services Program
NVLSP is an independent, nonprofit, veterans service organization dedicated to ensuring that the U.S. government honors its commitment to our veterans by providing them the federal benefits they have earned through their service to our country.
Providing veterans organizations, service officers and attorneys
with training and educational publications to enable them to help veterans and their dependents obtain all of the benefits that they deserve.

Veteran Aid Organization
The Aid and Attendance (A&A) Special Pension provides benefits for veterans and surviving spouses who require the regular attendance of another person to assist in eating, bathing, dressing and undressing or taking care of the needs of nature. It also includes individuals who are blind or a patient in a nursing home because of mental or physical incapacity. Assisted care in an assisting living facility also qualifies.

Disabled American Veterans
Since its founding more than 80 years ago, the Disabled American Veterans has been dedicated to a single purpose: building better lives for America's disabled veterans and their families.

Veterans of Foreign Wars
The VFW Foundation's mission is simple: support programs to increase awareness of the sacrifices of America’s veterans; promote citizenship education, volunteerism and positive youth programs; and facilitate medical, rehabilitative, educational and employment services and needs for veterans and their families.

Vietnam Veterans of American
VVA's goals are to promote and support the full range of issues important to Vietnam veterans, to create a new identity for this generation of veterans, and to change public perception of Vietnam veterans.

IAVA - Iraq and Afghanistan Veterans of America
Iraq and Afghanistan Veterans of America is the nation's first and largest group dedicated to the Troops and Veterans of the wars in Iraq and Afghanistan, and the civilian supporters of those Troops and Veterans.

Military Spouse Resource Center
The Military Spouse Resource Center ( is designed to assist the spouses of U.S. total force military personnel. The web site is jointly sponsored by the Department of Defense and the Department of Labor.

Honor Flight
The Honor Flight Network is a national nonprofit organization comprised of independent hubs working together to achieve the Honor Flight mission. In furtherance of this common goal, we have the enormous privilege of showing our nation’s veterans the appreciation and honor they deserve.
Participation in an Honor Flight trip gives veterans the opportunity to share this momentous occasion with other comrades, remember the fallen, and share their stories and experiences with other veterans. Honored veterans always travel free of charge, thanks to generous donations to our

Wounded Warrior Project
Mission: To raise awareness and enlist the public’s aid for the needs of severely injured service men and women, To help severely injured service members aid and assist each other, and To provide unique, direct programs and services to meet the needs of severely injured service members.

Whether its help with child care, personal finances, emotional support during deployments, relocation information, or resources needed for special circumstances, Military OneSource is there for military personnel and their families.

Best Online Colleges for Veterans
This list features some of the best online colleges for veterans across the country. Each school featured is a nonprofit, accredited institution — either public or private — with a high standard of academic quality for post-secondary institutions.

Financial Relief & Discount Guide For Veterans With Disabilities
The purpose is to provide disabled veterans with a comprehensive resource that they can use and apply towards their financial needs.

NBC Veteran Help
Next Steps for Vets Empowering veterans and military spouses with employment and education opportunities.

The purpose is to provide disabled veterans with a comprehensive resource that they can use and apply towards their financial needs.

Project Healing Waters – Project Healing Waters Fly Fishing, Inc. is dedicated to the physical and emotional rehabilitation of disabled active military service personnel and disabled veterans through fly fishing and associated activities including education and outings.

Home & Car Modifications Resource for Disabled Veterans – By making some modifications to their vehicles and homes, veterans may find that it is easier to adequately care for themselves and manage their healthcare independently.

7 VA Loan Tips for Veterans, Service Members and Military Spouses
Serving our nation is a tough job, but it does have its perks. One of them? Being able to finance your home purchase through a VA loan.

Real Estate Tips and Resources for Veterans
Owning a home is a long-standing benchmark for having achieved the American Dream.

Discont Tickets For Veterans
Vet Tix provides tickets to all branches of currently-serving Military and Veterans, including immediate family of troops KIA.

Memory Care Resources for Veterans
Receiving an Alzheimer’s diagnosis can be devastating for both seniors and their loved ones. And while the news itself can be overwhelming, getting the right diagnosis is also the first step in receiving the right care.

Care Resources
These companies list care providers for home care, assisted living and nursing home care. You can research your area.
Elder Law Answers - Elder Law Attorneys
National Academy of Elder Law Attorneys

Veterans with questions about long term care insurance can contact us with any questions.

Get started, get a quote.

* Does coverage provided under the Federal Long Term Care Insurance Program (FLTCIP) qualify as a Partnership Program policy?
No, not at this time.
As of December 19, 2022, individuals not currently enrolled may not apply for coverage, and current enrollees may not apply to increase their coverage. The suspension will remain in effect for 24 months, unless OPM issues a subsequent notice to end or extend the suspension period.


Long Term Care is a family affair.

The majority of caregivers are family members.