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VA Aid and Attendance, 2026

Current maximum annual pension rates, the net worth limit, and why care costs can make a veteran eligible despite moderate income.

HomeCosts & PayingVA Aid and Attendance, 2026

VA Aid and Attendance, 2026

Short answer

VA Aid and Attendance is a pension add-on for wartime veterans (and surviving spouses) who need help with daily activities. Unreimbursed medical expenses -- including the full cost of assisted living or in-home care -- offset countable income, which is often what makes a veteran

SituationMaximum annual rateApproximate monthly
Veteran needing Aid and Attendance, no dependents$29,093/year$2,424 per month
Veteran needing Aid and Attendance, one dependent$34,488/year$2,874 per month
Surviving spouse needing Aid and Attendance, no dependent children$18,923/year$1,577 per month
Surviving spouse needing Aid and Attendance, one dependent child$22,304/year$1,858 per month

Net worth limit: $163,699 (effective December 1, 2025 - November 30, 2026)

VA Aid and Attendance is a pension add-on for wartime veterans (and surviving spouses) who need help with daily activities. Unreimbursed medical expenses -- including the full cost of assisted living or in-home care -- offset countable income, which is often what makes a veteran with a pension and moderate savings newly eligible even though their income looks too high on paper.

Figures above are the federal Maximum Annual Pension Rate (MAPR) divided by 12 for an approximate monthly figure -- the VA pays the difference between a household's countable income and the MAPR, so most households receive less than the full amount shown. These rates are federal and apply the same in Indiana as anywhere else in the country; they rise most years with a cost-of-living adjustment (2.8% for this cycle). Rates effective December 1, 2025.

Source: VA veterans pension rates

Source: VA survivors pension rates

Questions families ask

How do I check a facility's Indiana license and inspection history?

Use the Indiana Long Term Care Survey & Inspection Public Search at hoosierusa.isdh.in.gov, run by the Indiana Department of Health. Nursing homes also carry a federal CMS Care Compare star rating; assisted living (Residential Care Facilities) does not.

What's the difference between Indiana's Residential Care Facility and Comprehensive Care Facility licenses?

A Residential Care Facility (RCF) is Indiana's assisted-living-type license, covering personal care, medication administration and ADL help, not 24-hour skilled nursing. A Comprehensive Care Facility is Indiana's nursing-home license, for residents who need 24-hour licensed nursing care.

What Medicaid waiver pays for assisted living in Indiana?

Indiana's PathWays Waiver, part of the Indiana PathWays for Aging program launched July 1, 2024 for Hoosiers 60 and older, can pay for care services inside a licensed Residential Care Facility that holds a waiver provider agreement. It does not cover room and board -- that runs through a separate program, RCAP.

What is RCAP and how is it different from the PathWays Waiver?

The Residential Care Assistance Program (RCAP) is Indiana's Medicaid-funded room-and-board assistance for RCF residents. It pairs with, but is separate from, the PathWays Waiver, which pays for care services. A facility can hold a PathWays agreement, an RCAP agreement, both, or neither -- ask specifically which apply.

Is Indiana's Medicaid expansion (HIP) the same as long-term care Medicaid for seniors?

No. The Healthy Indiana Plan (HIP), Indiana's ACA expansion effective February 1, 2015, covers adults 19-64 based on income. Long-term-care Medicaid for seniors uses a separate, non-MAGI aged/blind/disabled eligibility pathway with different asset and income rules. The two are frequently and incorrectly conflated.

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