From this point on we’re going to be focusing strictly on Aid and Attendance, everything I say is specific to the Aid and Attendance benefit, because for seniors looking to finance their long term care, that is the most valuable benefit. So, this va Aid and Attendance benefit is kind of like the long term care insurance benefit I was discussing before it just comes in the form of a monthly payment, a monthly check, or a monthly direct deposit that just shows up in the account. This is to supplement long term care for financially eligible war time veterans, I’m going to tell you what that means in a second. This could help pay for in-home, assisted living, even nursing home. You start to talk about nursing home level care and everyone’s brain automatically switches in to Medicaid gear. And that’s true Medicaid does kick in nursing home but, va benefit can continue up until the point that someone is eligible for Medicaid, you don’t lose the va benefit just because you leave assisted living and go to nursing home level care. Usually the va benefit is going to be more comprehensive and more beneficial if you’re in the nursing home, but you don’t necessarily move directly over to Medicaid just because you go to a nursing home. This benefit is available to a veteran who is blind or living in a nursing home, unable to perform two activities of daily living, and here just to give you an idea are the figures of what we’re looking at. So we’re not necessarily breaking the bank here with these amounts, but they certainly are, I mean they are 4 digits, so that’s nice and helpful when it comes to financing long term care. In Herschel’s case, it’s the one you see there in the yellow, he would be a veteran with no dependent because Nell had passed away, so the maximum benefit he could get per month would be $1,732, these are the 2014 figures. If Nell were still alive, they as a couple could get up to $2,054 per month and then also if he had pre-deceased Nell, she could get up to $1,113 per month. Yes?

When you’ve talked about widow’s benefits, what defines a widow? Social Security, you can be divorced when that person’s going to be (widowed?).

Yeah in va you cannot, in va you must have been married to the veteran at the time of his death. Now there are a bunch of foggy rules in there that say, for instance,  I’m married to a veteran and then he dies and I remarry, I can’t go back on his record unless this guy dies too. So, that’s how that works. Can go off and on.

If you married to a veteran and he died, or say, if you’re married to a veteran and you were divorced and then you married someone else and he was not a veteran and he dies, then could you go back on?

No, you were divorced, the marriage to the veteran had to have ended in death. Now I’ve had one client before who we had the opportunity to shop the husbands, the most recent husband who had died was not a war time vet and we went, “oh man,” and then, “oh, but what about that last guy?” Turned out he was a war time vet, so literally we got the benefits on that one. If there’s more than one husband, ask a question.