Paying for In-Home Eldercare: VA Aid & Attendance, LTC Insurance & Tax Deductions
1. VA Aid and Attendance Pension: Up to $2,431+/Month
Wartime veterans and surviving spouses who need help with at least two activities of daily living may ask the VA about Aid and Attendance. Published maximums change, and the VA decides eligibility. An assistedhelp.com visit log is a record of hours. It is not a VA determination and it is not electronic visit verification for a Medicaid program.
2. Filing Long-Term Care Insurance (LTCI) Claims
Many long-term care policies have an elimination period and ask for proof that the caregiver and the tasks meet the policy. assistedhelp.com can export a visit log with times and, when the phone allowed it, a location. The insurer decides whether to accept it.
3. IRS Section 213(d) Tax Deductions for Qualified In-Home Care
Under IRS Code Section 213(d), in-home care expenses for a chronically ill individual (unable to perform at least 2 ADLs for 90 days without substantial assistance, certified by a licensed physician) are tax-deductible medical expenses to the extent they exceed 7.5% of Adjusted Gross Income (AGI).
4. Avoiding Agency Surcharges for Statement Generation
After a completed visit, assistedhelp.com can show a visit log at no extra charge. That log is not an insurance statement and not a determination that a claim will be paid.
Official Resources & References
- U.S. Department of Veterans Affairs (VA) Aid and Attendance — Official VA pension benefit requirements, current monthly benefit rates, and claim instructions.
- Medicaid.gov Home and Community-Based Services — CMS information on HCBS 1915(c) waivers supporting in-home and community eldercare services.
- IRS Publication 502: Medical and Dental Expenses — Federal tax deduction guidelines for qualified long-term medical care expenses under Section 213(d).
Frequently Asked Questions
Can I use assistedhelp.com care statements for VA reimbursement?
Ask the VA. An assistedhelp.com visit log can include the caregiver name, role, clock times, tasks, and a phone location when one was captured. assistedhelp.com does not decide whether VA form 21P-8416, or any other form, is satisfied.
What is the difference between Medicaid and Medicare for home care?
Medicare is federal health insurance for seniors 65+ and does not cover long-term custodial in-home care. Medicaid is state/federal assistance for low-income seniors and covers long-term in-home care through Home and Community-Based Services (HCBS) waivers.
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