Paying for In-Home Eldercare: VA Aid & Attendance, LTC Insurance & Tax Deductions
1. VA Aid and Attendance Pension: Up to $2,431+/Month
Wartime veterans and surviving spouses who require assistance with at least two Activities of Daily Living (eating, bathing, dressing, transferring) are eligible for the non-service-connected VA Aid and Attendance pension. In 2026, maximum monthly benefits reach $2,431 for a single veteran and $1,561 for a surviving spouse. where.care provides compliant EVV PDF statements required by the VA to substantiate care hours.
2. Filing Long-Term Care Insurance (LTCI) Claims
Most Long-Term Care Insurance policies (Genworth, Mutual of Omaha, John Hancock, CNA, MetLife) have a 90-day elimination period. Crucially, insurers require proof that the caregiver meets policy criteria (CNA/HHA/RN) and detailed shift logs showing ADL assistance. where.care exports signed EVV care records with GPS timestamps directly accepted by LTCI claims examiners.
3. IRS Section 213(d) Tax Deductions for Qualified In-Home Care
Under IRS Code Section 213(d), in-home care expenses for a chronically ill individual (unable to perform at least 2 ADLs for 90 days without substantial assistance, certified by a licensed physician) are tax-deductible medical expenses to the extent they exceed 7.5% of Adjusted Gross Income (AGI).
4. Avoiding Agency Surcharges for Statement Generation
Traditional agencies frequently add administrative fees to provide itemized insurance statements. On where.care, verified PDF care records and EVV shift statements are generated automatically and free of charge after every completed visit.
Frequently Asked Questions
Can I use where.care care statements for VA reimbursement?
Yes. where.care statements include the caregiver’s legal name, credential classification, exact GPS clock-in and clock-out timestamps, ADL tasks performed, and payment transaction confirmation required by VA form 21P-8416.
What is the difference between Medicaid and Medicare for home care?
Medicare is federal health insurance for seniors 65+ and does not cover long-term custodial in-home care. Medicaid is state/federal assistance for low-income seniors and covers long-term in-home care through Home and Community-Based Services (HCBS) waivers.
Hire Verified Eldercare Without Agency Markups
Find vetted RNs, LPNs, CNAs, and senior companions with zero platform markups and 100% direct escrow protection.
Find Caregivers Near You →