Honoring service.
Securing the care and income it earned.
We guide Wartime Veterans, surviving spouses, and their families through the VA Enhanced Pension with Aid & Attendance Process — from eligibility to application to the financial & estate planning that supports it.
90+ consecutive active duty days, one during a declared wartime
Other than dishonorable
Age 65+, and assistance with daily living needs
Income and assets within VA limits set by congress yearly
A single point of coordination, from paperwork to portfolio.
While our office is physically located in Fort Myers, centrally located in Southwest Florida, we work with Veteran families across the nation. With Florida being such a vacation and retirement destination, we work alongside families, attorneys, CPAs, and powers of attorney to qualify for and secure this benefit with (children) scattered across the country .
Explain the qualifications
We guide Veterans and their families through every eligibility requirement, in plain terms.
Coordinate with your trusted advisors
We work directly with attorneys, CPAs, and powers of attorney, and review net worth and income against VA guidelines.
Refer legal and tax support when needed
When asset transfers or estate planning are required, we connect families with trusted professionals.
Manage and maintain assets
Our goal is supporting the long-term health care, maintenance, and well-being of Veterans and their spouses.
Coordinating care, paperwork, and planning — together.
Document every requirement
Health care needs, military service, marital status, income, and net worth — properly documented for VA review.
Complete and submit the application
We actively participate in filing the VA Enhanced Pension application with Aid & Attendance.
Stay engaged, long after filing
We remain in regular contact with Veterans, spouses, and powers of attorney, providing ongoing financial guidance.
WWII Veterans:
The period December 7, 1941, through December 31, 1946. If the veteran was in service on December 31, 1946, continuous service before July 26, 1947 is considered World War II.
KOREA Conflict:
The period December 7, 1941, through December 31, 1946. If the veteran was in service on December 31, 1946, continuous service before July 26, 1947 is considered World War II.
VIETNAM Veterans:
The period August 5, 1964 (February 28, 1961 for Veterans who served “in country” before August 5, 1964) and ending May 7, 1975.
POST-1990 Declared Wars:
The period August 2, 1990, through a date to be set by law or Presidential Proclamation.
The period beginning on the date of any future declaration of war by the Congress, and ending on a date prescribed by Presidential Proclamation or concurrent resolution of the Congress. (Title U.S.C. 101)
What the Enhanced Pension can offset
This entitlement program, administered by the Department of Veterans Affairs, may help cover the cost of care across five settings.
Enhanced Independent Living
Support for veterans maintaining an independent lifestyle with added assistance.
Home Health Care
Care delivered in the veteran’s own home, preserving comfort and familiarity.
Assisted Living
Daily support with personal care in a residential community setting.
Nursing Home Care
Full-time skilled nursing care for veterans with significant medical needs.
UME’s (Unreimbursed medical expenses)
Eligible medical expenses exceeding income by $1
Do you meet the wartime service requirements?
Wartime Veterans may qualify if they meet the following. Surviving spouses are also eligible, provided they were married at least one full year and were not divorced prior to the Veteran’s death.
- Served at least 90 consecutive days on active duty
- Served at least one day during a wartime period
- Received a discharge other than dishonorable
- Countable income and assets below VA limits
- Age 65 or older, or need assistance with Activities of Daily Living
- Entered service after 9/7/1980? Generally 24 months of duty required, with exceptions
Already receiving disability compensation?
You cannot receive a VA Pension with Aid and Attendance and VA Disability compensation simultaneously. If you apply for pension and are awarded it, the VA pays whichever benefit is greater or visa versa being awarded disability of 80+% ort greater. Generally once you obtain an 80% disability rating you are receiving more than what you could receive through Enhanced Pension with Aid and Attendance and would opt to maintain pension.
Unsure if you qualify?
Many factors affect eligibility, especially when countable income sits close to the maximum limit. Speak with our team before submitting an application — we’ll review your situation and outline your options.
Questions veterans and families ask most
An additional financial benefit from the Department of Veterans Affairs, paid to eligible wartime Veterans and surviving spouses who need help with daily living activities such as bathing, dressing, toileting, transferring, continence along with mental acuity deficits.
A Veteran may qualify with at least 90 consecutive days of active duty, including one day during a wartime period, a discharge other than dishonorable, and by meeting income, asset, and medical care requirements.
Yes. Surviving spouses may qualify if they were married to the Veteran for at least one year before death and meet the VA’s income and asset requirements.
Aid & Attendance supports Veterans who need help with daily activities or personal care. Housebound supports Veterans whose severe disabilities confine them to their home. A Veteran cannot receive both at the same time.
Countable income includes most income received by the Veteran and dependents — employment earnings, retirement payments, rental income, dividends, and business income.
Unreimbursed medical expenses, Medicare premiums (Part B), private health insurance costs, certain education expenses, and most all healthcare related (OTC) over the counter expenses can all reduce countable income.
For 2026, the VA net worth limit for the Aid and Attendance benefit is $163,699.
This means your countable assets cannot exceed this amount. The VA calculates your net worth using the following specific rules:
Your assets (like bank accounts, investments, and real estate other than your primary home).
The VA does not count your primary residence (and a reasonable lot currently under 2 acres)
3 Year Look-Back: The VA reviews all financial transfers made in the 36 months before your application. If you give away assets or sell them for less than fair market value, the VA may penalize you by denying benefits for up to 5 years.
The VA subtracts countable income from the maximum annual pension limit, applies deductions and adjustments, and divides the remaining amount by 12 for the monthly benefit.
Submit a claim to a VA, including medical documentation and the physician’s report explaining the need for daily care or home confinement, along with income and expense documentation submitted on the appropriate corresponding VA forms.
No — not at the same time. If you qualify for both, the VA pays whichever benefit provides the higher monthly amount.
Let’s find out where you stand.
A short conversation with our team can clarify your eligibility — and what to do next.
