It is a good idea to consider a long term Care insurance (LTCi [1]) 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 [1] 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 [2] from the Department of Veterans Affairs.