VA Aid and Attendance in Vermont is a federal pension benefit that adds money to a wartime veteran's monthly check when they need regular help with everyday tasks like bathing, dressing, or eating. For a veteran with a spouse, it can reach $2,874 a month ($34,488 a year) in 2026. It's one of the most underused VA benefits, and many Vermont veterans and surviving spouses who qualify never apply because they don't know it exists.

This guide walks through who qualifies, how much you can receive, how to apply, and where to get free help filing in Vermont, including from the Vermont Office of Veterans Affairs and its accredited veterans service officers.

In This Guide

What Is Aid and Attendance?

Aid and Attendance (A&A) is an enhanced VA pension benefit for wartime veterans and their surviving spouses who need help with everyday activities. It isn't a separate program. It's an extra amount added on top of the base VA pension when you need regular care.

You may qualify if you need help with daily activities such as:

  • Bathing or showering
  • Dressing and undressing
  • Eating or preparing meals
  • Using the toilet
  • Adjusting prosthetic devices
  • Protecting yourself from everyday hazards

You can also qualify if you're bedridden, spend a large part of the day in bed because of illness, live in a nursing home due to mental or physical incapacity, or have severely limited eyesight (5/200 or less in both eyes).

A&A is tax-free, and the money can go toward any purpose, including in-home care, assisted living, or nursing home costs. That flexibility is part of what makes it so useful for Vermont families piecing together long-term care.

Not sure whether your parent qualifies for Aid and Attendance? Check with Brevy's care navigator at brevy.com.

Do You Qualify?

To receive Aid and Attendance, you have to meet all four of these requirements.

1. Wartime service. The veteran must have served at least 90 days of active duty with at least one day during a recognized wartime period. Qualifying periods include World War II, the Korean War, the Vietnam War, and the Gulf War (which includes all post-9/11 service). Gulf War veterans need 24 months of continuous active duty, or the full period they were called up.

2. Age or disability. The veteran must be 65 or older, or permanently and totally disabled.

3. Need for assistance. The veteran or surviving spouse must need regular help with daily activities, be bedridden, be in a nursing home, or have severely limited eyesight as described above.

4. Net worth under $163,699. This is the 2026 limit. It counts your assets plus your annual income combined. Your primary home, one personal vehicle, and basic household items don't count.

Surviving spouses qualify too. If the veteran has passed away and the surviving spouse needs help with daily activities, they can apply for the Survivors Pension with Aid and Attendance, worth up to $1,558 a month in 2026.

2026 Aid and Attendance Rates

The VA calculates your payment as the difference between your countable income and the Maximum Annual Pension Rate (MAPR) for your category. If your income is low enough, you receive the full amount. These rates are federal, so they're the same in Vermont as anywhere else.

Category Annual Rate Monthly Rate
Veteran, no dependents $29,093 $2,424
Veteran with spouse $34,488 $2,874
Two veterans married to each other (both A&A) $46,143 $3,845
Surviving spouse $18,697 $1,558
Veteran, no dependents (Housebound) $21,313 $1,776
Veteran, no dependents (basic pension) $17,441 $1,454
Each additional child +$2,984 +$249

Here's how the math works. If a veteran with a spouse has $12,000 in annual countable income and qualifies for A&A, the VA pays the difference: $34,488 minus $12,000 leaves $22,488 a year, or about $1,874 a month. Out-of-pocket medical expenses, including what you pay for care, reduce your countable income, which raises your benefit.

The Net Worth Limit and 3-Year Lookback

The 2026 net worth limit is $163,699. This combines your assets (savings, investments, and property other than your home) with your annual income.

What counts: bank accounts, stocks, bonds, investment property, IRAs, and other financial assets, plus your annual income.

What doesn't count: your primary residence, one personal vehicle, and basic household goods. The house you live in doesn't push you over the limit, which matters for the many Vermont veterans who own their homes outright but live on a modest fixed income.

The 3-Year Lookback Rule

The VA reviews any assets you transferred for less than fair market value in the three years before you file your claim. If you gave away or sold assets below market value to get under the net worth limit, the VA may impose a penalty period of up to five years during which you won't receive pension benefits.

This rule exists to stop people from simply giving away savings to qualify. If you're thinking about transferring assets, talk to a VA-accredited attorney or an elder law attorney first. The penalty can be steep, so it's worth getting advice before you move money.

How to Apply for VA Aid and Attendance in Vermont

The application takes two forms and a medical exam.

Step #1: Get a medical examination. Your doctor fills out VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid and Attendance), documenting which daily activities you need help with and why. Be thorough. The more detail about specific limitations, the stronger the claim.

Step #2: Complete the pension application. If you're not already receiving VA pension, submit VA Form 21P-527EZ (Application for Veterans Pension), which covers your service history, income, net worth, and medical conditions.

Step #3: Submit everything. You can file online at va.gov, mail the forms, or file through an accredited representative such as a Vermont veterans service officer. Filing online lets you save your progress and track the claim.

Step #4: Wait for a decision. The VA processes claims in the order received. Expect 3 to 6 months, sometimes longer. A complete application with strong medical documentation moves faster. Incomplete submissions are the most common reason for delays.

Documents to Gather First

  • DD-214 (discharge papers) showing wartime service dates
  • Medical records documenting the need for daily help
  • Income documentation (Social Security and pension statements)
  • Asset information (bank and investment statements)
  • Marriage certificate, if claiming as a veteran with a spouse
  • Death certificate, if applying as a surviving spouse

Free Help in Vermont: The Office of Veterans Affairs and the Vermont Veterans' Home

You don't have to file this claim alone, and you should never pay to file an initial VA claim. Free, accredited help is available across Vermont.

The Vermont Office of Veterans Affairs

The Vermont Office of Veterans Affairs administers a veterans service officer (VSO) program that provides free, accredited assistance to veterans, service members, and their families in finding and applying for federal, state, and local benefits, including VA pension and the Aid and Attendance allowance. Its VSOs are trained and accredited to prepare and file your claim at no cost, explain the process, and help you interpret VA correspondence. The office is located at 118 State Street in Montpelier and can be reached toll-free in Vermont at (888) 666-9844, or by office phone at (802) 828-3379.

Because Vermont is a small state, you may not have a county-level office like veterans in larger states do, so the state Office of Veterans Affairs is the central place to start. With a veteran population in the range of 30,000 to 35,000, Vermont is among the least veteran-populous states by count, according to the VA's National Center for Veterans Analysis and Statistics. Reaching out early, rather than waiting until a care crisis forces the issue, gives the office time to build a strong claim.

The Vermont Veterans' Home

Vermont also operates a state-chartered home for veterans. The Vermont Veterans' Home in Bennington is a licensed skilled nursing facility with roughly 130 licensed beds, providing 24-hour skilled and long-term nursing care, short-term rehabilitation, and a certified dementia and memory-care unit, along with a small domiciliary residence known as "The Dom." To be eligible, an individual generally must be an honorably discharged veteran who served at least 90 consecutive days of active duty and is in medical need of skilled nursing care; eligible spouses, widows and widowers, and Gold Star parents may also be admitted, and Vermont veterans have priority. The Home accepts Medicare, Medicaid, and private insurance. For a veteran weighing nursing care, an A&A award can help cover costs whether they stay at home or move into the Home.

A word of caution: be wary of companies that charge fees to help with VA claims. VA-accredited attorneys may charge for appeals, but the initial claim filing should be free through the Vermont Office of Veterans Affairs or a Veterans Service Organization like the VFW, American Legion, or DAV.

Need help finding a veterans service officer near you? Ask Brevy's care navigator at brevy.com.

How Aid and Attendance Works with Vermont Medicaid

Aid and Attendance and Vermont Medicaid are run separately, by different agencies and under different rules. Vermont's long-term care Medicaid is administered by the Department of Vermont Health Access (DVHA) through Green Mountain Care, primarily under the Choices for Care program. A veteran can potentially receive both at the same time, but the two count money differently, so a few points are worth understanding.

  • A&A income doesn't automatically disqualify you from Vermont Medicaid. VA pension income is generally counted when Vermont Medicaid looks at your finances, but for VA purposes, unreimbursed medical and care expenses can be deducted from your countable income.
  • The two programs cover different things. A&A can pay for costs Vermont Medicaid often doesn't, such as room and board in assisted living, while Medicaid may cover the care services themselves and long-term nursing care.
  • VA pension income affects your Medicaid share of cost. Because Vermont Medicaid generally treats VA pension as income, it can change what you owe toward the cost of long-term care. Under longstanding federal rules, a single veteran or surviving spouse with no dependents receiving Medicaid-covered nursing home care has their VA pension reduced to a small monthly amount (commonly cited as $90).
  • Timing matters. Because VA pension income factors into Vermont Medicaid, the order in which you apply can affect eligibility for one or both. Because the precise treatment varies by situation, confirm how DVHA will treat the benefit before you file, ideally with an accredited Vermont veterans service officer or DVHA itself.

Learn More

Frequently Asked Questions

The maximum depends on your situation. A veteran alone gets up to $2,424 a month, a veteran with a spouse gets up to $2,874 a month, and a surviving spouse gets up to $1,558 a month. These are federal rates, identical in Vermont. Your actual payment is reduced by your countable income, and out-of-pocket medical expenses can lower that income and raise your benefit.

Contact the Vermont Office of Veterans Affairs at (888) 666-9844 (toll-free in Vermont) or (802) 828-3379. Its accredited veterans service officers prepare and submit VA claims for free. You should never pay to file an initial claim.

Potentially, yes. VA pension income is generally counted for Vermont Medicaid, but unreimbursed medical expenses can be deducted, and the programs can complement each other, with A&A covering costs Medicaid doesn't, like assisted living room and board. Because the precise treatment varies, talk to an accredited veterans service officer or the Department of Vermont Health Access before applying, since timing can affect eligibility.

Usually 3 to 6 months, though complex claims can take longer. The most common cause of delay is an incomplete application, so have your doctor be detailed on VA Form 21-2680 and submit all supporting documents at once.

Find personalized help applying for VA Aid and Attendance in Vermont 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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