Veterans & Surviving Spouses: Benefits Guide
A clear explanation of VA Aid & Attendance and other veterans benefits that can help cover the cost of senior living in Texas.
Many veterans and their surviving spouses are entitled to significant financial benefits that can help cover the cost of assisted living, memory care, or in-home care — and most of them never apply. Either they do not know the benefit exists, or the application process feels too complicated.
This guide focuses on the VA Aid & Attendance benefit, which is the most widely applicable and most valuable benefit for veterans who need help with daily care. We also cover other programs that may be available depending on your situation.
The Primary Benefit
VA Aid & Attendance
Aid & Attendance is an enhanced VA pension benefit that provides monthly payments to eligible veterans and surviving spouses who need help with daily activities or are in a care facility. It is not a loan, not a reimbursement, and not taxable income. It is a monthly benefit paid directly to the veteran or surviving spouse.
2024 Maximum Monthly Benefit Rates
Rates are adjusted annually. Actual benefit amounts depend on income and other factors.
Basic Eligibility Requirements
- Served at least 90 days of active duty, with at least one day during a wartime period
- Received an honorable or other-than-dishonorable discharge
- Requires assistance with daily activities (bathing, dressing, medication management) OR is housebound OR is in a care facility
- Meets income and asset thresholds (a VA-accredited benefits counselor can assess this)
Wartime periods include World War II, the Korean War, the Vietnam War, and the Gulf War (August 1990 to present). If you are unsure whether your service qualifies, a VA-accredited benefits counselor can confirm.
How to Apply
The Application Process
The Aid & Attendance application process can take three to six months from submission to approval. Starting early — before a care transition if possible — is strongly recommended.
Gather documents
You will need: DD-214 (discharge papers), marriage certificate (if applying as a surviving spouse), medical evidence of care needs, and financial documentation.
Work with a VA-accredited benefits counselor
We strongly recommend working with a VA-accredited attorney or claims agent — not a for-profit "benefits consultant" who charges fees. Accredited counselors can represent you before the VA at no cost.
Submit VA Form 21-2680
This is the Examination for Housebound Status or Permanent Need for Regular Aid and Attendance form, completed by a physician. It documents the medical basis for the benefit.
Submit the pension application
VA Form 21P-527EZ (for veterans) or VA Form 21P-534EZ (for surviving spouses). Your accredited counselor will help ensure the application is complete and accurate.
Wait for a decision
Processing times vary. If approved, benefits are typically paid retroactively to the date of application — so starting early matters.
Additional Programs
Other Benefits to Know About
VA Pension (Basic)
A needs-based benefit for wartime veterans with limited income and assets. Aid & Attendance is an enhanced pension rate — you apply for both at the same time.
Housebound Benefit
An alternative to Aid & Attendance for veterans who are substantially confined to their home due to a permanent disability. Cannot be received simultaneously with Aid & Attendance.
Community Care Program
Allows eligible veterans to receive care from non-VA providers, including some home health and skilled nursing services, when VA facilities are not accessible or available.
State Veterans Homes
Texas operates several state veterans homes that provide nursing, domiciliary, and adult day care services to eligible veterans at reduced cost. Availability varies by location.
We Can Connect You With a VA Benefits Counselor
As part of our free placement service, we connect eligible veterans and surviving spouses with VA-accredited benefits counselors at no cost. Do not leave money on the table.