Wondering if you qualify? Here are the four pillars of VA Aid and Attendance eligibility in 2026.
The service requirement
To be eligible, a veteran must generally have served at least 90 days of active duty, with at least one of those days falling during a VA-recognized wartime period such as World War II, Korea, Vietnam, or the Gulf War era. A discharge under conditions other than dishonorable is required. Combat service is not necessary; stateside or support roles during wartime can still satisfy the rule. Surviving spouses qualify based on the deceased veteran's service. If you are unsure whether your service dates fall within a wartime window, call 1-800-MEDIGAP and a licensed advisor can check for you.
The care-need and financial requirements
Beyond service, you must show a medical need, such as requiring help with bathing, dressing, eating, or medications, being bedridden, living in a nursing home, or having severely limited eyesight. You must also meet the VA's income and net-worth limits. Importantly, the VA subtracts unreimbursed medical and care expenses from your income, so many seniors with significant care costs qualify even with moderate income. A 36-month look-back period reviews asset transfers. Because these rules interact, professional guidance helps. Call 1-800-MEDIGAP to see where you stand.