VA Aid & Attendance for In-Home Care in South Carolina

VA Aid and Attendance can help pay for in-home care in South Carolina, and for many families it's the difference between affording an aide and going without. It's a monthly pension benefit for wartime veterans and their surviving spouses who need help with everyday activities, and the money is yours to spend on the care you choose, including a home health aide who comes to the house. The benefit isn't widely advertised, so plenty of families who qualify never apply.

This guide explains what in-home care costs in South Carolina, how much Aid and Attendance pays in 2026, how your care costs can lower the income the VA counts against you, and where to get help applying.

In This Guide

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

How Much In-Home Care Costs in South Carolina

Before looking at what the VA pays, it helps to know what you're paying. In South Carolina, in-home care (the non-medical caregiver category) runs about $71,786 a year, according to the CareScout 2025 Cost of Care Survey (released March 2026).2 That works out to roughly $5,982 a month, and costs in the Charleston, Greenville, and Hilton Head areas generally run higher than in rural parts of the state.

These are industry-survey medians, not government figures, and the real number depends on how many hours of help you need each week. A few hours a day to help with bathing and meals costs far less than around-the-clock care. Either way, in-home care is a recurring expense most families pay out of pocket, which is exactly where Aid and Attendance can help.

How Aid and Attendance Helps Pay for In-Home Care in South Carolina

Aid and Attendance is an increased monthly pension for wartime veterans, and their surviving spouses, who need another person's help with daily activities.1 The VA pays it as cash, and you decide how to use it, including paying for a home health aide, a homemaker, or other in-home help.

For 2026 (rates effective December 1, 2025 through November 30, 2026), the VA publishes the maximums as annual amounts: $29,093 for a veteran with no dependents, $34,488 for a veteran with one dependent, and $18,697 for a surviving spouse.1 Those are ceilings rather than payments: the VA pays the difference between the income it counts and the applicable maximum, so a household with countable income is awarded less than the figure for its category.1 A monthly payment is that yearly award divided by 12, which gives these figures:

Set against South Carolina in-home care at roughly $5,982 a month, a veteran with a spouse receiving the full $2,874 covers about half that bill.1 Read that half as the top of the range: income the VA counts is the same income that reduces the award, so a household with other income is awarded less than $2,874 and covers less of the bill.1 The share moves with the hours you buy, too, because in-home care is billed by the hour and $5,982 is a statewide median rather than a price for your own schedule.2 The benefit is a pension supplement, not a reimbursement, so the VA doesn't ask for receipts after the fact. What you do need to show, going in, is the medical need and the financial picture.

How In-Home Care Costs Lower Your Countable Income for Aid and Attendance in South Carolina

This is the part most families miss. VA Pension with Aid and Attendance is a needs-based benefit: to be eligible, your yearly family income and net worth have to meet limits set by Congress.1 The lower the income the VA counts, the better your position, and your in-home care costs can lower it.

When you have a documented need for care, the VA lets you deduct unreimbursed medical expenses, including in-home attendant care, from your income for VA purposes. But only the portion of those expenses above 5% of your applicable MAPR counts, and that rate includes any increase for family members but excludes the increase for aid and attendance or housebound status (38 CFR 3.272).1 As the VA puts it: "If you have medical expenses, you may deduct only the amount that's above 5% of your MAPR amount ($872 for a Veteran with no spouse or child)."1 The floor rises if you have dependents, and everything you pay above it reduces the income the VA counts.

One condition matters for in-home care specifically: the attendant must be a health care provider unless the person needs aid and attendance or is housebound, or a physician, physician assistant, certified nurse practitioner, or clinical nurse specialist states in writing that, because of a physical, mental, developmental, or cognitive disorder, the person requires the health care or custodial care the attendant provides (38 CFR 3.278(d)).1

Here's why it matters. Say a veteran with no spouse or child pays $40,000 a year for an in-home aide. The first $872 doesn't count, but the remaining $39,128 comes off the income the VA counts.1 A veteran whose income looked too high can land well inside the limit once that recurring care cost is deducted. This is one of the most common reasons families who assumed they earned too much turn out to be eligible.

Who Qualifies

To receive Aid and Attendance, a veteran generally must meet all of the following:3

• Wartime service. At least 90 days of active duty with at least one day during a recognized wartime period (such as World War II, Korea, Vietnam, or the Gulf War). Gulf War-era service has a longer active-duty requirement.
• No dishonorable discharge.
• Age, disability, or care status. At least one of these must be true: you're at least 65 years old; you have a permanent and total disability; you're a patient in a nursing home for long-term care because of a disability; or you're getting Social Security Disability Insurance or Supplemental Security Income. Any one of the four satisfies this test on its own, so a wartime veteran under 65 who receives SSI qualifies without a permanent-and-total rating.
• A care need. Need help with daily activities like bathing, dressing, or feeding yourself, or be largely confined to bed or in a nursing home due to disability.
• Net worth under $163,699. This limit (for 2026) combines assets and annual income, and it excludes your primary home, your vehicles, and basic household items.1

The VA reviews asset transfers made for less than fair market value during the three years before you file, so giving money away to qualify can trigger a penalty.3 A surviving spouse can qualify under the same framework, with the survivor net-worth limit also set at $163,699.1

Using Aid and Attendance to Pay a Family Caregiver

Many families want to pay an adult child or other relative who's already providing care. Because Aid and Attendance is paid as cash, a veteran can use it to compensate a family caregiver, though it's worth setting up a clear arrangement so the payments are documented as a medical expense.

There's also a separate VA program built for this. Veteran-Directed Care (VDC) gives enrolled veterans a flexible, clinically set budget to hire their own caregivers, and unlike many Medicaid programs, it has no blanket prohibition on hiring a spouse.5 The veteran or their representative decides who provides care and manages the budget, with a financial management service handling payroll.5 VDC is available at a limited set of VA medical centers, so ask your local VA medical center's social work department whether it's offered in your area.

How Aid and Attendance Works with South Carolina Medicaid

Aid and Attendance and South Carolina Medicaid, known as Healthy Connections and administered by the South Carolina Department of Health and Human Services (SCDHHS), are separate programs that can interact when you seek both.6 A veteran may be able to use Aid and Attendance alongside Medicaid, but the rules and the way a VA pension is treated as income differ between the two programs.

One rule is settled: At the eligibility step, South Carolina applies SSI income rules, under which the Aid and Attendance allowance is not counted as income at all, so only the basic pension counts toward the income limit. Once a person is eligible, which federal rule decides their share of cost depends on where they live. For a resident of a medical institution or intermediate care facility, 42 CFR 435.725 applies, and income that was disregarded in determining eligibility must be counted in the share-of-cost calculation, so any Aid and Attendance amount does count toward what the resident owes the facility. Not all of that income reaches the facility. Before it reduces its payment to the institution, the agency must deduct five amounts from the resident's total income, in this order: a personal needs allowance for clothing and other personal needs in the institution; for a resident with only a spouse at home, an additional amount for that spouse's maintenance needs; for a resident with a family at home, an additional amount for the family's maintenance needs; incurred expenses for medical or remedial care that no third party pays, including Medicare and other health insurance premiums, deductibles and coinsurance; and the full amount of any SSI and state supplement benefits the resident keeps receiving. All five are deductions the agency must make, not benefits a family applies for, and the maintenance amount for a spouse still at home is the one a community spouse is most likely never to hear about. None of the first three is a fixed federal sum, so ask SCDHHS what the amounts will be rather than assuming a figure. A person receiving home and community-based services under a waiver is covered by a different section: 42 CFR 435.726 governs waiver participants, and its first required deduction is an amount for that person's own maintenance needs that the state may set at any level.6 Because the rest of that treatment varies, a veteran applying for both should confirm the current rules with SCDHHS and an accredited representative before relying on a specific outcome.6 This is exactly the kind of situation where a county Veterans' Affairs officer or an elder law attorney earns their keep.

How to Apply and Get Help

Which forms you file depends on which benefit the Aid and Attendance increase attaches to. VA Form 21-2680 is used to apply for Aid and Attendance "that will be added to your monthly compensation or pension benefits," so it covers both routes. The steps below describe the pension route, the one this guide is about, and the VA's condition for it is: "You may be eligible for this benefit if you get a VA pension."7

• VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid and Attendance), whose examination information section a medical examiner must fill out to document the need for care.7
• VA Form 21P-527EZ (Application for Veterans Pension), if you're a wartime veteran pursuing the pension route and aren't already receiving a VA pension. This is the means-tested wartime pension application, so if you receive VA disability compensation rather than a pension, it isn't your form.7
• VA Form 21-0966 (Intent to File), if you're still gathering information. The VA says "Submitting an intent to file can secure the earliest possible effective date for any retroactive payments you may be eligible to receive," so filing it first protects your start date while you wait on the examiner's section.7

You can apply online at VA.gov, by mail to the VA Pension Intake Center, or in person at a VA regional office, and an accredited attorney, claims agent, or Veterans Service Organization representative can file for you.7 Asked how long a decision takes, the VA answers "It depends," and adds that it processes claims in the order it receives them unless a claim requires priority processing, so apply as soon as the care need exists, even if your loved one is already receiving care.7

Don't do this alone. The South Carolina Department of Veterans' Affairs (SCDVA) and County Veterans' Affairs Officers across the state help veterans and their families file claims and in some cases assist with claims review and representation for appeals services.4 SCDVA says it is highly recommended that a veteran complete a claim with the assistance of a veteran's representative, and it directs veterans to start the claims filing process at their local county Veterans' Affairs Office; the department's main number is 803-734-0200.4 SCDVA also points veterans to the VA's search tool for an accredited attorney, claims agent, or Veterans Service Organization representative, and the VA states that a VSO representative's services on your VA benefit claims are always free, while an accredited attorney or claims agent can charge you fees.4

Compare Care Settings in South Carolina

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 South Carolina
• How Aid and Attendance Pays for a Nursing Home in South Carolina
• How Aid and Attendance Pays for Memory Care in South Carolina

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.