Aid and Attendance Application Should You Seek Help
Hi, I’m Kellen Bryant, a probate and elder law attorney practicing out of Jacksonville, Florida with Berg Bryant Elder Law Group. I’m here to answer a common question: should you handle your VA Improved Pension with Aid and Attendance application by yourself?
Why Applying on Your Own Can Be Tough
While it’s possible to apply on your own, many people run into challenges. The VA is not known for processing claims quickly, and caseworkers are often overburdened. In many situations, the application forms themselves do not explain everything you need. Applicants often discover months later that critical supporting documents or additional forms were required, resulting in frustrating delays.
If you try to handle everything without prior experience, you may find yourself getting form letters from the VA requesting additional information. Meanwhile, you’re waiting on benefits you may urgently need.
Where to Get Help
There are two main places people typically turn for assistance:
1. Government‑Assisted Veterans Service Officers (VSOs)
VSOs can be found through city veterans offices, VFWs, or American Legions. They are ideal for straightforward cases—veterans or surviving spouses with very few assets, clear qualifications, and high care expenses. These officers help prepare the application at no charge.
2. Elder Law Attorneys
If your situation involves more complexity—such as cash value life insurance, IRAs, real estate, larger accounts, or long-term care and Medicaid planning issues—working with an elder law attorney can make a significant difference. An attorney can help you avoid costly mistakes and create a plan that protects your assets while qualifying you for benefits.
Be Cautious of VA “Consultants”
You may encounter people at seminars or assisted living facilities offering to help with the application while recommending products like annuities. Often, these individuals earn commissions from selling financial products that may not align with your long-term goals or tax situation. Their strategies can sometimes create future complications, particularly if nursing home care becomes necessary. Always be cautious and make sure anyone advising you has your best interests in mind.
Costs and Final Considerations
It’s important to note that no one is allowed to charge a fee for simply completing the VA application itself. Attorneys who assist in these matters typically charge for related planning, such as estate planning, tax planning, asset transfers, or Medicaid advice. While this comes with a cost, it can help you avoid costly mistakes and achieve long-term financial stability.
If your situation is simple, a VSO might be all you need. If you have more assets or complex issues, consulting with an experienced elder law attorney can save time, stress, and money in the long run.
Ready to discuss your options? Contact Berg Bryant Elder Law Group to schedule a consultation and get clarity on the best path forward for your VA Improved Pension with Aid and Attendance application.
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