Veterans

Program Overview

New Horizons Healthcare Overview� New Horizons Healthcare provides comprehensive senior home care services

throughout the Chicago-land area

� We support our clients’ desire to live independently at home while providing their

family members the peace of mind that their loved one is well taken care of

� We employ compassionate and highly trained caregivers who ensure that our

clients remain safe and healthy at home by providing the following services:

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� Medication Reminders � Bathing � Laundry � Transportation

� Exercising � Dressing � Hygiene Assistance � Care Plan Compliance

� Meal Preparation � Companionship � Light Housekeeping � Social Interaction

Through the New Horizons Healthcare Veterans Program, qualified veterans and their surviving spouses can receive from 12 to 22 hrs./week of our services at no cost

Aid and Attendance Overview� Aid and Attendance (A&A) is a tax free non-service

connected disability pension provided by the VA

� Unlike a service connected pension, this pension must be used to pay for un-reimbursed ongoing medical expenses including home care

� Wartime veterans and surviving spouses can receive between 12 and 22 hours per week of home care a week all paid by the VA

� The Aid and Attendance Pension has the following requirements:

� Service Requirement

� Medical Requirement

� Financial Requirement

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Wartime veterans with spouses 22 hrs./week

Single wartime veterans 18 hrs./week

Surviving spouse 12 hrs./week

Aid and Attendance Requirements

� 90 days active duty (Not

National Guard/Reserves)

� Served a minimum of one

day during an approved

wartime

� Honorable discharge

� Surviving spouse must

have been married to the

Veteran at the time of

his/her death and NOT

remarried

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Service Medical Financial

Applicant must be a veteran or the surviving spouse of a veteran with the following criteria:

� Over the age of 65

� Applicant must be 60% or

more homebound

� Require assistance with at

least two daily living

activities (bathing,

dressing, personal care,

ambulating etc.)

� Medical condition must

be certified by a physician

� Assets typically need to be less than $25,000 for a single person or $50,000 for a couple

� Total assets include all cash accounts, stocks & bonds, IRAs, additional properties

� Home of residence and a car are not considered assets

� Income needs to be less than A&A pension amount

� Income can be reduced by deduction of unreimbursed medical expenses

Aid and Attendance Application Difficulty

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� Though 1 out of every 3 seniors over the age of 65 is either a veteran or a surviving

spouse of a veteran, only a small fraction of seniors that would qualify take

advantage of this program

� It is a “Catch-22” – you need to have care in place in order to prove to the VA that

you need care

� Paying out of pocket for home care during the application process (between 3-12

months or more) becomes very expensive

� If you fill out one of the 15+ forms required by the VA incorrectly, your application

can be rejected or delayed and the out of pocket expense already spent on home

care is gone

� Also, The VA randomly audits A&A Pension recipients and requires detailed

documentation to verify the recipient has stayed compliant with the benefit

requirements. Non compliant recipients will be back billed by the IRS for benefit

paid out to them

Less than 10,000 of the 360,000 veterans in Illinois 65+ are receiving A&A Pension

New Horizons Healthcare Veterans Program

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� We provide an interest free loan to families to allow them to get care

services in place during the 3-12 months it takes for their pension

application to get approved by the VA without a penny paid by the

Veteran/Surviving Spouse

� Our team of Accredited VA Benefits Agents will work with you and your

family to complete the application forms for you and submit them to the VA

on your behalf

� Our team of Accredited VA Benefits Agents

will work with you and your family to ensure

appropriate documentation is kept and

adequate communication with the VA occurs

to maintain compliance and pension

eligibility

We will be there every step of the way to ensure you get the benefits you earned!

New Horizons Veterans Program Detail

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In-Home

Assessment

Gather

Documents

Application in

ProcessHome Care

Program

Compliance

A New Horizons Healthcare Case Manager visits Veteran’s or Veteran Spouses’ home to ensure program requirements are met

Documentation and information needed to be gathered is discussed in detail

A customized care care plan is developed that maximizes independence and quality of life

1 2 3 4 5

2 Hours 1+ Month 3 to 12+ Months Ongoing Ongoing

Our Accredited VA Benefits Agent guides Veteran, Spouse and/or Family to gather necessary documentation

We are here to help with all 15+ forms that need to be completed

We will check every form for accuracy and compliance with the program to ensure application will be accepted by the VA

After all documents are received and application is reviewed for accuracy, we submit application to VA on your behalf

We then provide a zero interest loan to the family in order to put home care in place immediately

Not a penny is ever paid by the veteran, surviving spouse or family member!

Our highly trained and compassionate caregivers will assist the veteran or surviving spouse with activities of daily living from 10 up to 22 hours a week

Once VA grants pension, the VA retroactively pays for all care provided during application process

This retroactive payment will be used to pay us back the zero interest loan

The A&A Pension will

be used to pay for

home care with New

Horizons Healthcare

for as many years as

needed

Our Accredited VA

Benefits Agents will

work with you and

your family to ensure

program compliance

and benefit eligibility

for many years

We Would Like to Help!

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� There is certain information that we must have to discuss your situation:

� Date of military service & discharge status of Veteran

� Gross monthly income & type and ownership of assets

� Medical Condition/Assistance with Activities of Daily Living

� Surviving Spouse – marriage license to Veteran

� Once you have this information you should call the office and discuss this

with one of our representatives

� They will review your information to determine what your next step will be

New Horizons Healthcare, Inc.

5600 N River Road, Suite 800

Rosemont IL, 60018

Phone: (847) 993-3133

Email: amelnyk@nhhc.com

Website: www.nhhc.com