Va Claims, Your Best Bet

A study commissioned by Va in 2001 estimated, over the next 14 years, only about 30 percent of eligible veterans would apply for pension.

The point of using a knowledgeable consultant is invaluable when it comes to submitting a claim with the Veterans Administration. Getting the aid and attendance advantage is a slow process even for those applicants who know what they are doing.

On the other hand, for those who blindly submit a claim without the proper hold documents, it can take 8 to 12 months for a decision from Va. A poorly documented claim may also result in a denial. A knowledgeable consultant can shorten the award decision to perhaps 3 to 4 months. In addition, a consultant will make sure that all deductible expenses are applied in order to maximize the award.

Finally, and most importantly, the consultant will provide guidance to preclude denial of the claim. Pension is an under used benefit. There are distinct earnings categories for pension, but the highest could pay as much as ,801 a month in disability earnings to a qualifying veteran household. A study commissioned by Va in 2001 estimated, over the next 14 years, only about 30 percent of eligible veterans would apply for pension.

The end was most veterans naturally don't know about it. In fact, according to the National Care Planning Council, about a third of all seniors in this country, over the age of 65, could come to be eligible for Pension under the right circumstances. When it comes to dealing with assets that may disqualify the applicant, there is an asset test to qualify for pension. Any asset or venture that could be categorically converted into earnings might disqualify the claimant.

An asset ceiling of ,000 is often cited in the media as being the test. The ,000 has to do with Va internal filing requirements and is not the actual test. In reality, there is no dollar whole for the test and any level of assets could block the award. The asset test finally becomes a subjective decision made by the veterans aid representative processing the application.

A home used as a house and a car are excluded from the asset test. Va will allow assets to be transferred or converted to earnings in order to meet the asset test. There are definite rules governing transfers of assets and what constitutes earnings from assets and it must be done correctly.

A qualified consultant can provide the primary guidance for a flourishing award. The application form provides no information on the existence of extra rehabilitation for annualized medical expenses.

If the preliminary application, piquant annualized cost, is not done correctly, delays in description conferrence could force the award decision to take up to a year. Or the eventual award could be substantially reduced or even denied. The applicant must wait other full year to reapply or go through a time piquant appeals process to precise any unfavorable decisions.

The private for receiving a flourishing award for aid and attendance is not in filling out the form but in knowing what documents and evidence must be submitted with the application.

Knowing the secrets for a flourishing award is 95 percent of the battle. Filling out and filing a claim is a formality. A knowledgeable consultant can provide information to shorten Va's decision window of six to 12 months to as tiny as three or four months. The consultant also understands how to maximize the advantage or avoid a denial.

The consultant can also provide guidance for meeting the asset test. Finally, the consultant can provide the actual strategies for transferring assets and he or she can arrange for trusts or earnings conversions to allow for the best possible exchange of assets to beneficiaries thus avoiding taxes, family disputes and Medicaid penalties

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