Veteran's Benefits, Long Term Care Insurance, and What is Expected of You From the Live-in?

Veterans Benefits
If the care recipient or their spouse served even one day during wartime, then they are eligible for the VA Aide and Attendance Pension, which reimburses them for up to $2100 each and every month towards a live-in caregiver, or other assisted lving choices.
"The Veterans Aid and Attendance (A&A) Pension provides benefits that reduce the cost of care for veterans and surviving spouses who require assisted living.
The Aid and Attendance (A&A) 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.
The A&A Pension can provide up to $1,788 per month to a veteran, $1,149 per month to a surviving spouse, or $2,120 per month to a couple. ​A​ veteran filing with a sick spouse is eligable for up to $1,406 per month​. Many families overlook the A&A Pension as it pertains to veterans who are still independent, but have an ill spouse. Keep in mind that in this situation, if the spouse's medical expenses completely depletes their combined monthly income, the Veteran can file as a Veteran with a sick spouse."

VA information courtesy of our friends at Visit them by clicking on their logo below.
Long Term Care Insurance and Live-in Care
If you have Long Term Care insurance, most policies will stipulate that you must need help with at least 2 activities of daily living , and use a “licensed or certified care provider” in order for you to be reimbursed. In most states, this means you’ll need to hire a C.N.A or H.H.A. who have a current and valid state certificate from the board of nursing. You should be aware that some strict policies also require that you use a fully state licensed home health agency to supply the HHA / C.N.A. In those cases, you will not be able to private hire or contract with your own live-in aide directly.  
The LTC insurance company will provide you with daily log sheets that you must have the live-in fill out and give you each week. Normally you will have to fax these sheets with the live-ins weekly invoice for services to the LTC insurance companies billing department each week to be reimbursed. Beware to ensure that the home aide does not include any services that are provided outside of the home (escorting to doctors, church etc..), as most LTC insurance policies will not pay for home aide services provided outside of the home. How much will they pay? That depends on the policy that you purchased, and any home care stipulation that the policy has.
Common policies will cover $100-$200 per day for a HHA live-in caregiver. FYI, the average policy takes about 60-90 days before reimbursement checks start.
What is expected for a Live-In Caregiver (Your responsibilities)
To provide the live-in with an orientation on or before their first day of work. This normally entails a family member walking the new caregiver through their first day. What’s expected, how they like things done, where everything is kept, tips on handling difficult situations with the care recipient, etc…
To provide the caregiver with room and board at the care location Room should be furnished with a bed and dresser Room should by private (not shared) Board includes 3 meals a day Some families choose to provide the live-in with a meal stipend of $8 per day to do their own food shopping. This is always paid separately of their wages.
To provide the caregiver with the opportunity to receive 8 hours of sleep each night At the point when a senior client needs a caregiver to get up repeatedly at night, which would not allow the caregiver to receive adequate sleep, it is time for the client to switch to hourly care.
To provide the caregiver with the opportunity for personal time for meals and down time at the end of the day. They do not work 24/7. They work an average of 16 hours a day. The big benefit is that by having them stay in your home they are there in case of emergencies in most “off” hours and the entire night. If the care needed is regularly more than 16 hrs in a 24 hr period, then a live-in may not be right for your situation. You may want to consider two 12 hr shifts of caregivers, or an assisted living facility or nursing home.


LEGAL DISCLAIMER: The information contained in this guide are provided to you “AS IS”, and do not constitute legal advice. We make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked to this guide. Use the information provided within this guide at your own risk.