VA Aid and Attendance can help pay for assisted living in Vermont. The benefit pays up to $2,424 per month for a single veteran, up to $2,874 with a qualifying spouse, and the money can go directly toward assisted living costs in one of the more expensive states in the country for long-term care. If your parent or spouse served in wartime and now needs help with daily activities, this guide explains how the benefit works, what Vermont assisted living costs, and how to get free help applying through the state.

In This Guide

How Much Assisted Living Costs in Vermont

Assisted living in Vermont runs well above national averages. Per the Genworth/CareScout 2024 Cost of Care Survey, the median cost of assisted living in Vermont is about $7,873 per month ($94,470 per year), roughly 33 percent above the national median of about $70,800 per year.

These are survey medians. Costs vary by facility, location, and level of care. Memory care and higher-acuity support add to the total, and costs typically rise as a resident's needs increase over time.

For most families, the gap between what a veteran can afford and what Vermont assisted living costs is significant. Aid and Attendance is designed to help close that gap, with up to $2,424 per month in cash that goes directly toward care costs.

How Aid and Attendance Helps Pay for It

Aid and Attendance is a monthly cash benefit added on top of a veteran's basic VA pension for those who need another person's help with daily activities, are bedridden, or reside in a care facility due to disability.

2026 monthly rates:

Category Monthly Amount
Veteran alone Up to $2,424
Veteran with spouse Up to $2,874
Surviving spouse Up to $1,558

The benefit is paid directly to the veteran or surviving spouse and can be used for any care-related expense, including assisted living room and board, personal care services, and memory care. The VA does not operate or pay assisted living facilities directly; Aid and Attendance puts money in the family's hands to choose and pay for care.

At $2,424 per month, Aid and Attendance covers roughly 31 percent of Vermont's median assisted living cost. Combined with Social Security, retirement income, and, where applicable, Vermont Medicaid, it can make the difference between affording care and running short.

Not sure if your family member qualifies for Aid and Attendance? Chat with Brevy to get a quick, personalized eligibility check.

How Assisted-Living Costs Lower Your Countable Income

Aid and Attendance is a needs-based benefit: the VA pays the difference between a veteran's countable income and the applicable maximum annual pension rate (MAPR). The less countable income a veteran has, the higher the monthly benefit.

Here is the key: unreimbursed medical expenses (UMEs) reduce countable income. Only the portion of UMEs that exceeds 5 percent of the applicable MAPR is deductible, for 2026, that floor is $872 per year for a single veteran and $1,141 per year for a veteran with one dependent.

Assisted living fees, including room, board, and care services when the facility provides custodial or health care, qualify as UMEs when the veteran meets Aid and Attendance or housebound criteria, or when a physician documents the medical necessity of the placement.

In practice: A veteran in a Vermont assisted living facility paying $94,476 a year in assisted living costs who has $24,000 in annual Social Security income can deduct $94,476 minus $872 (the annual floor) = $93,604 from countable income, potentially zeroing it out entirely and qualifying for the full Aid and Attendance rate.

This UME offset means many veterans who appear over-income actually qualify once care costs are factored in. It is one of the most powerful and least understood features of the benefit.

Who Qualifies

To receive Aid and Attendance, a veteran must meet all four requirements:

  • Wartime service: At least 90 days of active duty with at least one day during a qualifying wartime period (World War II, Korea, Vietnam, Gulf War/post-9/11). Gulf War service requires 24 months of continuous active duty or the full period called to active duty.
  • Age or disability: Age 65 or older, or permanently and totally disabled.
  • Need for care: Requires help with at least two Activities of Daily Living (bathing, dressing, feeding, etc.), is bedridden, resides in a nursing home due to mental or physical incapacity, or has severely limited vision.
  • Net worth under $163,699: This limit includes assets and annual income but excludes the primary home, one vehicle, and basic household items.

The VA enforces a 3-year look-back period on asset transfers. Assets transferred for less than fair market value within three years of filing may trigger a penalty period.

A surviving spouse of a wartime veteran can also qualify for Aid and Attendance at $1,558/month, as long as the marriage was valid and financial and care requirements are met.

How Aid and Attendance Works with Vermont Medicaid

Vermont Medicaid long-term care, administered by the Department of Vermont Health Access (DVHA), primarily through the Choices for Care program, is a separate program from Aid and Attendance, and a veteran may qualify for both.

Under generally applicable federal rules, VA pension (including Aid and Attendance) is counted as income when determining Medicaid eligibility and the recipient's share of cost. Under longstanding federal rules, a single veteran or surviving spouse with no dependents who is receiving Medicaid-covered nursing home care typically has their VA pension reduced to a small monthly amount, since Medicaid is already paying for the care.

Because the precise treatment of VA pension income depends on the individual's living situation and Vermont Medicaid rules, families should confirm how DVHA will treat the benefit with an accredited Vermont Veterans Service Officer or the DVHA before relying on a specific outcome.

Trying to figure out how VA benefits and Vermont Medicaid work together? Chat with Brevy for a personalized walkthrough.

How to Apply and Get Free Help

Applying for Aid and Attendance requires two forms:

  • VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid and Attendance): completed by the attending physician, documenting the need for care.
  • VA Form 21P-527EZ (Application for Veterans Pension): the financial and service-history application, if the veteran is not already receiving VA pension.

Forms can be submitted online at va.gov, mailed to a VA regional office, or filed through an accredited representative. Processing typically takes three to six months.

Get free help in Vermont. The Vermont Office of Veterans Affairs administers a free, accredited Veterans Service Officer program. VSOs help veterans and families find and apply for federal and state benefits, including VA pension and Aid and Attendance, at no cost, completing paperwork and explaining the process on the veteran's behalf. You should never pay a consultant to file this claim.

Reach the Vermont Office of Veterans Affairs VSO program toll-free at (888) 666-9844 or by office phone at (802) 828-3379. The office is located at 118 State Street, Montpelier, VT 05620-4401.

Frequently Asked Questions

No. The VA does not operate or fund assisted living facilities. Aid and Attendance is a monthly cash benefit paid to the veteran or surviving spouse, who uses it to pay for care of their choosing, including assisted living. The benefit supplements the veteran's income; it does not pay the facility directly.

Often yes. Unreimbursed medical expenses, including assisted living fees, reduce countable income for VA purposes. Only expenses above the 5%-of-MAPR floor ($872/year for a single veteran in 2026) are deductible, but Vermont's high assisted living costs frequently bring countable income below the eligibility threshold. A veteran who appears over-income should not assume they don't qualify without running the UME calculation.

Processing typically takes three to six months from the date the complete application is received. Filing through an accredited VSO reduces errors that cause delays. You can apply while your family member is already receiving care, and if approved, payments are generally backdated to the effective date of the claim.

No. Aid and Attendance does not require a service-connected disability rating. It requires wartime service, age or disability, need for assistance with daily activities, and meeting the net worth limit. A veteran with no disability rating can still qualify.

Compare Care Settings in Vermont

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

Learn More

Find personalized help paying for assisted living with VA benefits 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.

BC

Brevy Care Team

Expert eldercare guidance from Brevy's team of healthcare professionals and researchers.