VA Aid and Attendance income limits work differently than most people expect. Here is how the math actually works in 2026.
How the income test really works
The VA does not simply deny applicants who earn over a fixed number. Instead, it sets a Maximum Annual Pension Rate (MAPR) for your category, then subtracts your countable income to determine your benefit. Crucially, before that subtraction, the VA removes your unreimbursed medical and care expenses, such as assisted living fees, in-home aides, insurance premiums, and prescriptions, from your income. For many seniors paying thousands per month for care, these deductions push countable income to zero, qualifying them for the maximum benefit. This is why so many veterans who assume they earn too much actually qualify. Call 1-800-MEDIGAP to run the numbers.
Net worth limits also apply
In addition to income, the VA applies a net-worth limit that combines your assets and annual income. The limit is tied to a federal figure that adjusts each year, and your primary home, vehicle, and personal belongings are generally excluded. A 36-month look-back period reviews asset transfers made for less than fair value, which can trigger a penalty period. Because net-worth and income rules interact, and because the right deductions can make the difference between approval and denial, expert guidance pays off. Call 1-800-MEDIGAP to understand the current limits and how your finances measure up.