Free senior care guidance for Fort Worth metro families. No cost to you, ever.
Call (682) 432-9929
Fort Worth Senior Advisor

VA Aid and Attendance, 2026

Current maximum annual pension rates, the net worth limit, and why care costs can make a veteran eligible despite moderate income.

HomeCosts & PayingVA Aid and Attendance, 2026

VA Aid and Attendance, 2026

Short answer

VA Aid and Attendance is a pension add-on, not a standalone benefit -- a wartime veteran or surviving spouse first qualifies for the VA Improved Pension, then unreimbursed medical expenses (including assisted living and in-home care costs) are subtracted from countable income, wh

SituationMaximum annual rateApproximate monthly
Single veteran needing Aid and Attendance$29,093/year$2,424 per month
Veteran with one dependent needing Aid and Attendance$34,488/year$2,874 per month
Surviving spouse needing Aid and Attendance (no dependents)$18,697/year$1,558 per month

Net worth limit: $163,699 (effective December 1, 2025 through November 30, 2026) -- this figure includes both assets and annual income, and generally excludes a primary residence.

VA Aid and Attendance is a pension add-on, not a standalone benefit -- a wartime veteran or surviving spouse first qualifies for the VA Improved Pension, then unreimbursed medical expenses (including assisted living and in-home care costs) are subtracted from countable income, which can raise the monthly pension payment up to the Aid and Attendance maximum annual pension rate (MAPR).

The table above shows maximum annual pension rates converted to an approximate monthly figure; the actual monthly payment depends on the veteran's or survivor's own countable income after medical-expense deductions, and can be lower than the maximum shown. These rates are federal and identical for veterans and survivors everywhere in the country, including Fort Worth and the rest of Tarrant County -- they are not adjusted by state or metro. Rates effective December 1, 2025 (reflects a 2.8% cost-of-living adjustment).

Source: VA veterans pension rates

Source: VA survivors pension rates

Questions families ask

Is independent living licensed the same way as assisted living in Texas?

No. Independent living is generally unlicensed housing in Texas because no personal care is provided -- residents are fully able to manage their own daily activities. Assisted living requires an HHSC Type A or Type B license because personal care services are part of what's provided.

How is memory care different from standard assisted living in Fort Worth?

Texas requires any facility marketing memory care to file a specific Alzheimer's/dementia disclosure statement covering staffing, training and physical design -- standard assisted living carries no such requirement. Physically, memory care units typically add secured egress, and there's no published cost median for memory care the way there is for standard assisted living.

When does in-home care make more financial sense than assisted living in the Fort Worth area?

Using Texas's CareScout median home health aide rate of roughly $28/hour, in-home care tends to cost less than assisted living's $5,250 statewide median up to roughly 40 hours a week of care -- beyond that, a licensed community frequently becomes the less expensive option.

What's the real difference between a nursing home and assisted living in Texas?

Nursing homes are licensed under a separate Texas rule chapter from assisted living and provide 24-hour licensed nursing care for higher medical acuity. Nursing homes also carry federal CMS star ratings through Medicare's Care Compare tool; assisted living facilities are not rated by that system at all.

Should a Fort Worth family consider a CCRC instead of standalone assisted living?

A Continuing Care Retirement Community (CCRC) keeps a couple together across changing care levels on one campus, typically through an entry-fee structure. Standalone assisted living is usually simpler to enter and less expensive upfront, without a large entry fee.

Not sure where to start?

Answer five questions and a local advisor will come back with senior care options in your area that actually fit your situation and budget. It is free, and there is no obligation.

Find care options
Find senior care — free