VA Aid and Attendance can help pay for in-home care in Colorado, and most families don't realize how much it covers. It's a monthly cash benefit paid directly to the veteran, who decides how to spend it: a home health aide, a homemaker, or even a family member providing the care. For a wartime veteran or surviving spouse who needs help with daily activities, it can be what keeps them at home.

This guide explains what in-home care costs in Colorado, how much Aid and Attendance pays, who qualifies, and how the benefit works alongside Health First Colorado, the state's Medicaid program.

In This Guide

How Much In-Home Care Costs in Colorado

In-home care in Colorado runs above the national average. According to the CareScout (Genworth) 2024 Cost of Care Survey, a home health aide in Colorado costs about $96,096 per year (roughly $8,008 per month) and homemaker services about $91,520 per year (roughly $7,627 per month), each based on a 44-hour-per-week schedule. That runs well above the national home health aide median.

Costs are higher in the Denver and mountain-resort areas than in rural counties, and they climb as care needs grow. This is exactly the kind of expense Aid and Attendance is designed to offset.

How Aid and Attendance Helps Pay for In-Home Care

Aid and Attendance is an increased monthly VA pension for wartime veterans and surviving spouses who need help with daily activities. It is paid as cash directly to the veteran, who decides how to use it. There is no requirement to spend it at a particular agency, so it can pay for a home health aide, a homemaker, or a family caregiver.

Category Monthly Amount
Veteran alone Up to $2,424
Veteran with spouse Up to $2,874
Surviving spouse Up to $1,558

At up to $2,424 a month for a veteran, the benefit covers a meaningful share of Colorado's roughly $8,008 monthly cost for a home health aide, and at up to $2,874 for a veteran with a spouse it covers even more. Keep in mind the VA pays the veteran; the veteran arranges and pays for the care.

How In-Home Care Costs Lower Your Countable Income

VA pension, including the Aid and Attendance increase, is a needs-based benefit: the VA pays the difference between your countable income and a set annual limit. Continuing, out-of-pocket care costs, such as paying a home health aide, count as unreimbursed medical expenses (UMEs) that reduce the income the VA counts, which is why many veterans who look "too rich" on paper still qualify once their care bills are subtracted.

Only the portion of those expenses above 5% of the applicable annual pension limit is deductible. For 2026 that floor is about $872 per year for a veteran with no dependents and $1,141 per year for a veteran with one dependent. So if a veteran pays $96,096 a year for in-home care, nearly all of it counts against income once the first roughly $872 is set aside. In-home and attendant care qualify as deductible expenses when the veteran has a documented need for that care.

Who Qualifies

To qualify for Aid and Attendance, a veteran generally must:

  • Have served at least 90 days of active duty with at least one day during a wartime period
  • Be 65 or older, or permanently and totally disabled
  • Need help with daily activities such as bathing, dressing, or feeding, or be housebound
  • Have a net worth below $163,699 (this limit includes assets and annual income but excludes the primary home and vehicle)

The VA enforces a 3-year look-back on assets transferred for less than fair market value before filing. A surviving spouse can qualify under the Survivors Pension using the same net worth limit.

Using Aid and Attendance to Pay a Family Caregiver

Many families want to keep care in the family, and there are two ways VA benefits make that possible. First, because Aid and Attendance is cash paid to the veteran, the veteran can simply use it to pay a relative who provides care.

Second, the Veteran-Directed Care (VDC) program gives the veteran a flexible monthly budget to hire their own caregivers, including family members. The veteran (or their representative) decides who provides care and how to spend the budget, and a financial management service handles payroll and taxes. Unlike many Medicaid programs, VDC has no blanket ban on hiring a spouse. To ask about VDC, contact your local VA medical center's social work or geriatrics department.

How Aid and Attendance Works with Colorado Medicaid

A Colorado senior can potentially receive both VA pension with Aid and Attendance and Health First Colorado (the state's Medicaid program, administered by the Department of Health Care Policy & Financing) long-term care, but the two programs interact and must be coordinated. Under the general federal rule, VA pension income counts as income for pension purposes, and the VA reduces countable income by qualifying unreimbursed medical expenses, so paying for care can lower the income the VA counts.

How that VA income is treated for Medicaid eligibility and the Medicaid cost-share is governed by Medicaid rules, and in many situations the Aid and Attendance portion is treated differently from the base pension. Because the exact treatment is fact-specific, confirm the interaction with a County Veterans Service Officer, Health First Colorado, or an accredited benefits counselor before relying on receiving both at full value.

How to Apply and Get Free Help

To apply for Aid and Attendance, submit VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid and Attendance), with a doctor's exam documenting the need for help. If you are not already receiving a VA pension, also file VA Form 21P-527EZ (Application for Veterans Pension). Claims commonly take 3 to 6 months.

Don't do this alone. The Colorado Division of Veterans Affairs and the County Veterans Service Offices, which every Colorado county has, help veterans and families with VA claims and appeals at no cost, including VA pension and Aid and Attendance. You do not need to hire a paid agent or attorney to apply.

Frequently Asked Questions

Yes. Aid and Attendance is paid as cash to the veteran, who can use it for a home health aide, a homemaker, or other in-home care. With a home health aide in Colorado running about $8,008 a month, the benefit of up to $2,424 (or up to $2,874 with a spouse) covers a meaningful share of the cost.

No. The VA pays the veteran a monthly cash benefit; the veteran arranges and pays for the care. That's what makes the benefit flexible enough to cover an agency aide or a family caregiver.

Often not. Out-of-pocket in-home care counts as an unreimbursed medical expense that lowers the income the VA counts, but only the portion above about $872 a year (or $1,141 with one dependent) is deductible. Large care bills can reduce countable income enough to qualify.

Yes, the two are separate programs and can be received together, though they must be coordinated. Because the treatment is fact-specific, confirm with a County Veterans Service Officer, Health First Colorado, or an accredited benefits counselor.

Compare Care Settings in Colorado

Aid and Attendance can help pay for any care setting. See how it works for the others:

Learn More

Find personalized help using VA benefits to pay for in-home care in Colorado at brevy.com.

The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.

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