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 free help applying.

In This Guide

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). 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

Aid and Attendance is an increased monthly pension for wartime veterans, and their surviving spouses, who need another person's help with daily activities. 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 maximum monthly amounts are:

Who you are Maximum monthly amount
Veteran with no dependents Up to $2,424
Veteran with a spouse Up to $2,874
Surviving spouse Up to $1,558

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 the cost of full-time help, and a larger share if you need fewer hours. 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

This is the part most families miss. Aid and Attendance 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, and your in-home care costs can lower it.

When you have a documented need for care, the VA lets you deduct continuing, unreimbursed medical expenses, including in-home aide and attendant care, from your income. But only the portion of those expenses above 5% of your annual MAPR counts. 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. Everything you pay above that floor reduces your countable income dollar for dollar.

Here's why it matters. Say a veteran with no dependents pays $40,000 a year for an in-home aide. The first $872 doesn't count, but the remaining $39,128 is deducted from countable income. A veteran whose income looked too high to qualify can drop to near zero countable income once that recurring care cost comes off, and qualify after all. 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:

  • 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.
  • Age or disability. Be 65 or older, or permanently and totally disabled.
  • 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.

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. A surviving spouse can qualify under the same framework, with the survivor net-worth limit also set at $163,699.

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. The veteran or their representative decides who provides care and manages the budget, with a financial management service handling payroll. 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. 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.

Because 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. 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 Free Help

You apply for Aid and Attendance with two VA forms:

  • VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid and Attendance), which a physician completes to document the need for care.
  • VA Form 21P-527EZ (Application for Veterans Pension), if you're not already receiving a VA pension.

You can file online at va.gov, by mail, or through an accredited representative. Processing often takes three to six months, so apply as soon as the care need exists, even if your loved one is already receiving care.

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, including need-based pension and Aid and Attendance claims, at no cost. SCDVA advises filing with the help of a veteran's representative and directs families to contact their local county Veterans' Affairs officer or call SCDVA at 803.734.0200 to find an office nearby.

Frequently Asked Questions

Can I use VA Aid and Attendance to pay for a home health aide in South Carolina?

Yes. Aid and Attendance is paid to you as a monthly cash pension, and you can spend it on in-home care, including a home health aide or homemaker. With South Carolina in-home care running about $71,786 a year, the benefit covers a meaningful share of the cost.

Does my income disqualify me if I'm paying for in-home care?

Not necessarily. When you have a care need, the VA deducts continuing unreimbursed in-home care costs above 5% of your annual MAPR ($872 a year for a veteran with no dependents, $1,141 with one dependent) from your countable income. A veteran who looks "over income" can qualify once those costs come off.

What's the net worth limit for Aid and Attendance in 2026?

The net worth limit is $163,699, combining assets and annual income. It excludes your primary home, vehicles, and basic household items. The VA also reviews asset transfers made in the three years before you file.

How long does it take to get approved?

Aid and Attendance claims often take three to six months from filing to first payment. Working with a South Carolina county Veterans' Affairs officer can reduce errors that cause delays, and you can apply while your loved one is already receiving care.

What if my Aid and Attendance claim is denied?

You can appeal, and you don't have to do it alone. South Carolina County Veterans' Affairs Officers help with claims review and, in some cases, representation for appeals, at no cost. Contact your local county officer or call the South Carolina Department of Veterans' Affairs at 803.734.0200 to get started.

Compare Care Settings in South Carolina

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

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Your next step Find personalized help using VA benefits to pay for in-home care in South Carolina 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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