VA Aid & Attendance for In-Home Care in New York

VA Aid and Attendance is one of the most overlooked ways to pay for in-home care in New York. 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 York 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

• Key Takeaways
• How Much In-Home Care Costs in New York
• How VA Aid and Attendance Helps Pay for In-Home Care in New York
• 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 New York Medicaid
• How to Apply and Get Free Help
• Frequently Asked Questions
• Learn More

How Much In-Home Care Costs in New York

In-home care in New York is a major expense. According to the Genworth/CareScout 2024 Cost of Care Survey, a home health aide and homemaker services each run about $77,792 a year, based on roughly 44 hours of care a week, which is in line with the national figure.2

These are survey medians, not government figures, and costs vary widely across the state, with New York City and downstate generally higher than upstate. The real number for your family depends on how many hours of care your loved one needs. Either way, a steady monthly benefit takes pressure off the budget.

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

Aid and Attendance is an increased monthly pension for veterans and surviving spouses who need another person's help with daily activities.1 The payment is tax-free, and you decide how to spend it. Many New York families put it directly toward a home health aide, a homemaker, or a family caregiver.

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 a meaningful share of a part-time aide or homemaker in New York.1

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.1

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.1

Say a veteran with no dependents pays $32,000 a year for an aide. Subtract the $872 floor, and about $31,128 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.1

Who Qualifies

To qualify for Aid and Attendance, the veteran must:5

• 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)5

The VA applies a 3-year look-back on assets transferred for less than fair market value before you file.5 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 York 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.3 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 York Medicaid

Aid and Attendance is a federal VA pension benefit, administered by the U.S. Department of Veterans Affairs and separate from New York Medicaid, which is run by the New York State Department of Health. A veteran or surviving spouse can receive both at the same time, but each program counts income and assets under its own rules.6

For VA pension purposes, unreimbursed medical and care expenses can be deducted from countable income. For New York Medicaid, VA pension income is counted, though New York's long-term-care Medicaid uses its own income and resource limits and tools such as pooled income trusts.6 Because the two programs interact, a veteran weighing both should consult an accredited Veterans Benefits Advisor or a benefits counselor familiar with New York Medicaid 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.7 You can file online at va.gov, by mail, or through an accredited representative. Processing often takes three to six months.7

Do not do this alone, and do not pay anyone to file. The New York State Department of Veterans' Services (DVS) connects veterans and families to local, state, and federal benefits. Its Veterans Benefits Advisors, all veterans themselves, prepare and file VA claims free of charge, help gather supporting documents, and can file claims or appeals on your behalf.4 Reach an advisor at 1-888-838-7697, book a phone or video consultation, or visit a field office near you.4

Compare Care Settings in New York

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 New York
• How Aid and Attendance Pays for a Nursing Home in New York
• How Aid and Attendance Pays for Memory Care in New York

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.