VA Aid and Attendance is one of the most useful and underused ways to pay for in-home care in New Jersey. It is a monthly cash benefit added to a VA pension for veterans and surviving spouses who need help with everyday activities, and the money can go straight toward a home health aide, a homemaker, or a family member who provides the care. For a New Jersey family trying to keep a parent at home, that steady payment can change what is affordable.

This guide explains what in-home care costs here, 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

How Much In-Home Care Costs in New Jersey

In-home care in New Jersey is not cheap. A non-medical home health aide, the kind of personal-care help most families need with bathing, dressing, meals, and companionship, averages roughly $38 an hour in 2026. At even a few hours a day, that runs into thousands of dollars a month.

This kind of personal care is generally private-pay (Medicare does not cover non-medical home care), which is exactly why a steady monthly benefit like Aid and Attendance matters. The real cost for your family depends on how many hours of care your loved one needs.

How Aid and Attendance Helps Pay for In-Home Care

Aid and Attendance is an increased monthly pension for veterans and surviving spouses who need another person's help with daily activities. The payment is tax-free, and you decide how to spend it. Many New Jersey families put it directly toward a home health aide, a homemaker, or a family caregiver.

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

The VA does not run or provide the care itself, and it does not pick your aide or agency. It pays the benefit, and you arrange the care. For a veteran with a spouse, up to $2,874 a month can cover roughly 18 to 20 hours of an aide each week at New Jersey rates.

How In-Home Care Costs Lower Your Countable Income

Here is the part many families miss. VA pension, including the Aid and Attendance increase, is a needs-based benefit: the VA pays the difference between your countable income and a yearly limit called the Maximum Annual Pension Rate (MAPR). The lower your countable income, the larger your payment.

When you have a genuine care need, your ongoing in-home care costs count as unreimbursed medical expenses (UMEs) that you can deduct from your income. Only the portion of those costs above 5% of your annual MAPR is deductible. 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.

Say a veteran with no dependents pays $36,000 a year for an aide. Subtract the $872 floor, and about $35,128 can be deducted from countable income. That deduction can take a veteran who looked "over income" and bring them within the limit, often unlocking a large monthly payment. So if your income looks too high on paper, apply anyway once care costs are in the picture.

Who Qualifies

To qualify for Aid and Attendance, the veteran must:

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

The VA applies a 3-year look-back on assets transferred for less than fair market value before you file. A surviving spouse can qualify under the survivor's pension using the same care-need and net-worth tests.

Using Aid and Attendance to Pay a Family Caregiver

Many New Jersey families want a son, daughter, or other relative to provide the care. Aid and Attendance cash can be used to pay that person, since you control how the benefit is spent.

There is also a separate VA program built for this. Veteran-Directed Care (VDC) gives the veteran a flexible monthly budget to hire their own caregivers, including family members, and unlike many Medicaid programs there is no blanket rule against hiring a spouse. A financial management service handles payroll and taxes. VDC is offered through participating VA medical centers, so ask your VA social worker whether it is available in your area.

How Aid and Attendance Works with New Jersey Medicaid

Aid and Attendance and New Jersey Medicaid long-term care (NJ FamilyCare, including its Managed Long Term Services and Supports program) are separate programs run by different agencies under different rules, and a person can receive both at the same time.

The two programs count income differently. For the VA pension, unreimbursed care costs can be deducted to reduce countable income. NJ FamilyCare, administered by the NJ Department of Human Services, counts VA pension income, including the Aid and Attendance amount, when it evaluates Medicaid eligibility and your share of cost for long-term care. Because of these differences, VA pension income can affect your New Jersey Medicaid eligibility or cost of care, so the order and timing of applying for each can matter. Consult a VA-accredited representative or an elder law attorney before applying.

How to Apply and Get Free Help

You apply with two forms: VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid and Attendance), completed with a doctor, and VA Form 21P-527EZ (Application for Veterans Pension) if you are not already receiving a pension. You can file online at va.gov, by mail, or through an accredited representative. Processing often takes three to six months.

Do not do this alone, and do not pay anyone to file. New Jersey provides free, accredited help with VA pension and Aid and Attendance claims through the state's veterans-services agency. Its Veterans Service Officers are trained, VA-accredited representatives who help prepare, file, and track claims at no charge. New Jersey runs a statewide toll-free line, 1-844-671-1019, to connect veterans and families with a Veterans Service Officer.

Frequently Asked Questions

Yes. Aid and Attendance arrives as tax-free monthly cash, and you choose how to spend it. Many New Jersey families use it to pay a home health aide, a homemaker, or a family caregiver. The VA does not arrange or provide the care itself.

It pays up to $2,424 a month for a veteran, up to $2,874 with a spouse, and up to $1,558 for a surviving spouse. The exact amount depends on your countable income, since the VA pays the difference between that income and the annual pension limit.

Often, yes. Your ongoing in-home care costs count as unreimbursed medical expenses and can be deducted from your countable income, but only the portion above 5% of your annual pension limit ($872 a year for a single veteran, $1,141 with one dependent). Large care bills can bring an "over income" veteran within the limit.

Yes. Because you control how Aid and Attendance is spent, you can pay a family caregiver. The Veteran-Directed Care program also lets a veteran hire their own caregivers, including relatives, using a flexible budget. Ask your VA medical center social worker whether it is available locally.

Compare Care Settings in New Jersey

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 New Jersey 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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Brevy Care Team

Expert eldercare guidance from Brevy's team of healthcare professionals and researchers.