Do I need long term care insurance if I have VA benefits?
It is a good idea to consider a long term Care insurance (LTCi) policy to supplement VA long term care benefits. Qualification is based on level of service-related disability and financial aspects. For example, if a veteran is under the age of 65 and lould like to use the LTCi benefit, he or she must have evidence of being totally disabled. There are limitations to assets a veteran is allowed to have while receiving this benefit. In addition, there are limitations to home care that qualifies for benefit. If the veteran is healthy, but has a spouse that requires long-term care, the available benefit is reduced. For more details visit this page from the Department of Veterans Affairs.