Many senior veterans qualify for the VA pension without realizing it. Here is a clear breakdown of the eligibility rules.
Service and age requirements
To be eligible for the VA pension as a senior, a veteran must generally have served at least 90 days of active duty with at least one day during a VA-recognized wartime period and received a discharge other than dishonorable. Veterans who entered active duty after September 7, 1980, may face a longer minimum service requirement. You must be age 65 or older, or under 65 but permanently and totally disabled. Combat is not required; wartime-era service in any role can count. Surviving spouses qualify based on the veteran's service. If you are unsure whether your dates qualify, call 1-800-MEDIGAP and a licensed advisor will check.
Income and net worth limits
Beyond service and age, the VA pension is needs-based, so your income and net worth must fall within annual limits. The net-worth limit combines assets and income and adjusts each year, with your home, vehicle, and personal belongings generally excluded. 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 for less than fair value. Because the financial rules are nuanced, professional help often makes the difference. Call 1-800-MEDIGAP to see whether you qualify.