VA Aid & Attendance for In-Home Care in North Dakota

VA Aid and Attendance is one of the most overlooked ways to pay for in-home care in North Dakota. 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. With in-home care costs adding up quickly, 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 North Dakota
• How VA Aid and Attendance Helps Pay for Home Care in North Dakota
• 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 North Dakota Medicaid
• How to Apply and Get Free Help
• Frequently Asked Questions
• Learn More

How Much In-Home Care Costs in North Dakota

In-home care is a major expense. In its 2025 Cost of Care Survey, CareScout (the successor to the Genworth survey) combined the former homemaker and home health aide categories into a single non-medical caregiver service. Nationally that runs about $35 an hour, or roughly $80,080 a year at 44 hours of care a week. North Dakota's in-home rate was not broken out separately in the released figures, so use the national median as your planning anchor.2

These are survey medians, not government figures, and the real number depends on how many hours of care your loved one needs. A few hours a day costs far less than around-the-clock help, but even part-time care adds up quickly, which is why a steady monthly benefit matters.

How VA Aid and Attendance Helps Pay for Home Care in North Dakota

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 North Dakota 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 North Dakota.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 $34,000 a year for an aide. Subtract the $872 floor, and about $33,128 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.1 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: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 North Dakota 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 North Dakota Medicaid

Aid and Attendance and North Dakota Medicaid long-term care are separate programs administered by different agencies, the U.S. Department of Veterans Affairs and North Dakota Health and Human Services, and a veteran or surviving spouse can be eligible for both.6

As a general federal rule, when an unmarried veteran or surviving spouse with no dependents is receiving Medicaid-covered nursing home care, the VA pension (including Aid and Attendance) is reduced so the resident keeps only a small monthly personal-needs amount. North Dakota Medicaid does cover long-term care, including nursing facility services, for eligible residents who meet the state's income and asset limits.6 Because the rules interact in complex ways and depend on marital status, dependents, and care expenses, confirm your specific situation with a VA-accredited service officer and North Dakota HHS before relying on both benefits.

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. North Dakota veterans can get free, professional help filing VA pension and Aid and Attendance claims through the North Dakota Department of Veterans Affairs (NDDVA) and its network of County and Tribal Veterans Service Officers.4 These VA-accredited officers help complete and file the forms and gather supporting documents, all free of charge, and you do not have to join any organization to get help. Find your local service officer through the NDDVA website at veterans.nd.gov.4

What if your claim is denied? A denial is not the end. You generally have one year from the date on the decision letter to ask the VA to review it, through any of three options: a Supplemental Claim (add 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. Your County or Tribal Veterans Service Officer can prepare and file the review for free, so go back to the same NDDVA officer who helped with your claim.8

Compare Care Settings in North Dakota

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 North Dakota
• How Aid and Attendance Pays for a Nursing Home in North Dakota
• How Aid and Attendance Pays for Memory Care in North Dakota

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.