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Veterans Assistance Average Pay Example
Couple $2,085
Surviving Spouse
Healthy Veteran with Sick Spouse
Veteran Married to a Veteran

For more information, contact your local VA medical facility and speak with a caregiver support coordinator, visit va.gov/health or dial toll-free 1.877.222.VETS (8387).

Reverse Mortgage

Another source of income that seniors over 62 years of age increasingly rely on is the reverse mortgage.  If you or your loved one has equity in their home, you can potentially qualify for a reverse mortgage.  A reverse mortgage is essentially a loan against your home that your typically do not have to pay back for as long as you live in your home.  With a reverse mortgage, you can turn the value of your home into cash without having to move or to repay a loan each month.  These funds can then be used to pay for home care.  

*For more information about a reverse mortgage, please visit the Federal Trade Commission website at consumer.ftc.gov.

Cash Assistance Programs

Some states have programs for seniors with limited resources and assets, which- rather than going through a home health care agency – allow seniors (or their representatives) to pay a person of their choosing for in-home services.  Such programs are often called “Participant-Directed Services” or “Cash and Counseling,” although similar services go by different names depending on location.

To learn if a cash assistance program for in-home health services exists in your state, contact your local Area Agency on Aging through their website.  In the Tucson, AZ area contact pcoa.org or call 520.790.7262 or contact The Eldercare Locator at eldercare.gov or call 1.800.677.1116.

Life Settlement

If you or your loved one has a life insurance policy, there are companies that offer insurance owners the option to sell their policies in exchange for a lump sum payment that is greater than the cash surrender value. In the event your loved one looking for care has a life insurance policy, life settlements may be an alternate option to fund their care. The policy is treated as an asset in the same way that the home, mutual funds or personal assets are treated.  The life insurance policy is sold to an investor while the policy holder is still alive.  The selling price is typically considerably more than the cash surrender value of the policy, but far less than the policies face value.  Depending on age, health and other factors at the time of sale, you or your loved one may receive a lump sum payment for the policy at half or less than the face value. For more information on Life Settlements as a funding solution visit

lifecarefunding.com  or call1-888-670-7773.

*Due to many complexities of life insurance settlement, consulting with a financial planner is imperative before making any decisions.  

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