VA Aid and Attendance for In-Home Care in Maine

VA Aid and Attendance can help pay for in-home care in Maine, turning a monthly VA pension into real money toward an aide, a homemaker, or a family caregiver. If your loved one is a wartime veteran who needs help with daily activities, this benefit can cover a meaningful share of the cost of staying at home. The hard part is usually knowing it exists and how to claim it.

This guide walks through what in-home care costs in Maine, how much Aid and Attendance pays, how your care costs can actually help you qualify, and where to get free help applying.

In This Guide

• Key Takeaways
• How Much In-Home Care Costs in Maine
• How VA Aid and Attendance Helps Pay for In-Home Care in Maine
• How In-Home Care Costs Lower Your Countable Income
• Who Qualifies
• Using Aid and Attendance to Pay a Family Caregiver
• How Aid and Attendance Works with Maine Medicaid
• How to Apply and Get Free Help
• Frequently Asked Questions
• Learn More

How Much In-Home Care Costs in Maine

In-home care is often the most affordable way to get help, but in Maine the bills run above the national average. In-home care runs about $101,816 a year for a non-medical caregiver, roughly $44.50 an hour based on about 44 hours of care a week. That is the third-highest rate of any state and well above the national median of about $80,080.2 In its 2025 survey, CareScout combined homemaker and home-health-aide pricing into a single non-medical caregiver category. These are CareScout 2025 industry-survey medians, not government figures; they are approximate, and costs vary across the state and rise as care needs grow.

For many Maine families, that is well beyond what a fixed retirement income can absorb on its own. This is where Aid and Attendance comes in.

How VA Aid and Attendance Helps Pay for In-Home Care in Maine

Aid and Attendance is an increased monthly VA pension for wartime veterans and surviving spouses who need help with everyday activities.4 It is paid as tax-free cash, which means the family decides how to spend it, including on a home health aide, a homemaker, or a family caregiver.

At up to $2,424 a month for a veteran, the benefit can cover a meaningful share of a home health aide or homemaker in Maine, and more when combined with the veteran's other income.1

How In-Home Care Costs Lower Your Countable Income

VA Pension, including the Aid and Attendance increase, is needs-based: the VA pays the difference between your countable income and a yearly limit set by Congress called the Maximum Annual Pension Rate (MAPR).1 The lower your countable income, the more the VA pays.

Here is the part families miss: continuing, unreimbursed medical expenses, including in-home care, lower your countable income when there is a documented care need. You can only deduct the portion of those expenses that exceeds 5% of your applicable MAPR. For 2026 that floor is $872 a year for a veteran with no dependents and $1,141 a year for a veteran with one dependent.1

Think of it in annual terms. If a veteran with no dependents pays for in-home care, only the first $872 of that yearly cost is not deductible. Everything above that floor reduces countable income. With in-home care running about $101,816 a year in Maine, those costs can wipe out most or all of a veteran's countable income, which is exactly how someone whose income looked too high ends up qualifying.1,2

Who Qualifies

To be eligible for Aid and Attendance, the veteran must:4

• 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 largely confined to bed
• Have a net worth below $163,699 for 2026 (assets plus annual income, not counting the primary home)4

The VA also applies a 3-year look-back on assets transferred for less than fair market value.4 Surviving spouses of wartime veterans can qualify under the survivor pension.

Using Aid and Attendance to Pay a Family Caregiver

Many families want a son, daughter, or spouse to provide the care. Aid and Attendance is paid as cash, so it can be used to compensate a family caregiver directly.

There is also a separate VA program built for this. Veteran-Directed Care gives a veteran a flexible budget to hire their own caregivers, including family members, with help from an Aging and Disability Network agency and a financial management service that handles payroll.3 Unlike some Medicaid programs, Veteran-Directed Care has no blanket ban on hiring a spouse.3 Ask your VA medical center's social work team whether it is available in your area.

How Aid and Attendance Works with Maine Medicaid

A veteran or surviving spouse in Maine can potentially receive both the VA Aid and Attendance enhanced pension and MaineCare, Maine's Medicaid program administered by the Maine Department of Health and Human Services, but the two programs interact and can offset each other.5 Under general federal rules, VA pension is treated as income for Medicaid purposes, except that the portion attributable to Aid and Attendance, money paid specifically because the veteran needs help with daily activities and has unreimbursed medical expenses, is generally not counted as income when determining MaineCare long-term care eligibility.5

Because the programs are income- and asset-tested and the rules are complex, applicants should confirm how their specific benefits interact with MaineCare through the Maine DHHS Office for Family Independence or a Maine Bureau of Veterans' Services officer before relying on both.5

How to Apply and Get Free Help

Apply using VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid and Attendance), which includes a doctor's exam documenting the care need.6 If the veteran is not already receiving a VA pension, also file VA Form 21P-527EZ (Application for Veterans Pension).6 You can file online at va.gov, by mail, or through an accredited representative. Processing often takes 3 to 6 months.6

Do not do this alone. The Bureau of Maine Veterans' Services employs Veteran Service Officers who help Maine veterans and their families apply for VA pension and the Aid and Attendance enhanced pension at no cost, filing hundreds of claims each month.7 You can reach the Bureau's central office at 207-287-7020 or find a regional Veterans' Services Office to get started.7 Their help is free, and only VA-accredited representatives may lawfully prepare a VA claim.

What to Do If Your Claim Is Denied

A denial is not the end of the road. If the VA denies your Aid and Attendance claim or awards less than expected, you have three decision review options: a Supplemental Claim (submit new and relevant evidence), a Higher-Level Review (a more senior reviewer looks at the same evidence), or an appeal to the Board of Veterans' Appeals. In general, you have one year from the date on your decision letter to act.8 A Bureau of Maine Veterans' Services officer can help you file a Supplemental Claim or appeal at no cost, just as with the original claim.7

Compare Care Settings in Maine

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

• How Aid and Attendance Pays for Assisted Living in Maine
• How Aid and Attendance Pays for a Nursing Home in Maine
• How Aid and Attendance Pays for Memory Care in Maine

Learn More

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.