VA Benefits · Kentucky
VA Benefits for Seniors in Kentucky
Kentucky is home to approximately 300,000 veterans. This guide covers every VA and state benefit available to senior veterans in Kentucky — Aid & Attendance, VA medical centers, state property tax exemptions, veterans homes, and Medicaid coordination.
VA Aid & Attendance — the most overlooked senior benefit
The VA Pension with Aid & Attendance is a tax-free monthly benefit for wartime veterans (and surviving spouses) who need help with activities of daily living — whether they live at home, in assisted living, or in a nursing home. Fewer than 40% of eligible veterans actually receive it. It does not require a service-connected disability.
$2,795/mo
Single veteran
Maximum 2025 rate
$3,312/mo
Married veteran
Both spouses living
$4,435/mo
Both need A&A
Couple with dual need
$2,358/mo
Surviving spouse
DIC Pension rate
Who qualifies for Aid & Attendance?
- Veteran served at least 90 days on active duty with at least one day during a wartime period (WWII, Korea, Vietnam, Persian Gulf)
- Honorably or generally discharged
- Need help with activities of daily living (bathing, dressing, eating, toileting, ambulating)
- Income falls below the Maximum Annual Pension Rate (MAPR) — net income after medical/care expenses often qualifies people who initially seem too high
- Assets generally under $155,356 (2025 threshold, indexed annually); primary residence and vehicle excluded
3-year look-back rule (since 2018): Asset transfers in the 36 months before applying can trigger a penalty period. Consult a VA-accredited attorney before gifting assets or creating trusts.
VA Medical Centers in Kentucky
These are the primary VA medical centers serving Kentucky veterans. Each VAMC also operates a network of Community-Based Outpatient Clinics (CBOCs) in smaller cities — call the main number to find the nearest clinic.
For Community Care (approved outside-VA care), call the VA Community Care Program: 866-606-8198. Veterans who live more than 40 miles from a VA facility or face long wait times are often eligible for community care with a VA-approved local provider.
Kentucky-specific veteran benefits
Beyond federal VA benefits, Kentucky offers its own programs. Contact the Kentucky Department of Veterans Affairs at 502-595-4447 or visit veterans.ky.gov to apply.
Kentucky Department of Veterans Affairs (KDVA): benefit counseling, statewide advocacy — 502-595-4447
Property tax: 100% service-connected disabled veterans exempt from property taxes on primary residence
Kentucky does not tax Social Security or military retirement income
Kentucky Veterans Centers: long-term care homes in Hanson, Hazard, Radcliff, Wilmore, and Versailles
Kentucky Veterans Program Trust Fund: emergency financial assistance for veterans in financial hardship
VA benefits + Kentucky Medicaid: how they work together
Kentucky Medicaid HCB waiver covers assisted living personal care for eligible dual-eligible veterans. Kentucky has five state veterans centers providing long-term skilled nursing care for qualifying veterans. Aid & Attendance income is excluded from Kentucky Medicaid income calculations.
Key rule: A&A income is excluded
The VA Pension / Aid & Attendance benefit is generally not counted as income for Medicaid long-term care eligibility in most states — but the rules are complex and program-specific. Always verify with the Kentucky Medicaid office or an elder law attorney before applying.
Dual-eligible planning
Veterans who qualify for both VA and Medicaid should work with a VA-accredited claims agent AND an elder law attorney — each program has its own asset and income rules. Proper coordination can significantly reduce out-of-pocket care costs.
Kentucky State Veterans Homes
Kentucky operates state-funded veterans homes offering skilled nursing, domiciliary, and memory care for eligible veterans. The VA pays a daily per diem to the facility for VA-eligible residents, significantly reducing costs. Medicaid is also accepted at most state veterans homes.
Thomson-Hood Veterans Center
Wilmore, KY
270 licensed beds
Eastern Kentucky Veterans Center
Hazard, KY
150 licensed beds
Western Kentucky Veterans Center
Hanson, KY
150 licensed beds
Radcliff Veterans Center
Radcliff, KY
150 licensed beds
Bowling Green Veterans Center
Bowling Green, KY
120 licensed beds
To apply for admission or join a waitlist, contact the Kentucky Department of Veterans Affairs at 502-595-4447 or visit veterans.ky.gov.
How to apply for VA benefits in Kentucky
- 1
Gather discharge documents
You need your DD-214 (Certificate of Release or Discharge from Active Duty). If you can't find it, request it for free at archives.gov/veterans/military-service-records.
- 2
Contact a free Veterans Service Organization (VSO)
VSOs like the American Legion, DAV, VFW, and AMVETS provide free claims assistance. The Kentucky Department of Veterans Affairs (502-595-4447) can refer you to an accredited VSO near you. VSO assistance is free — never pay a third party to file a VA claim.
- 3
File your claim
For Aid & Attendance: submit VA Form 21P-527EZ (Application for Pension) and VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid & Attendance). Attach a physician's statement documenting your care needs.
- 4
Apply for state-specific benefits
Property tax exemptions and state-specific programs require a separate application with the Kentucky Department of Veterans Affairs. Some benefits are processed through county offices — your VSO can guide you to the right office.
- 5
Coordinate with Medicaid if applicable
If you're applying for both VA benefits and Kentucky Medicaid long-term care, consult an elder law attorney. An attorney can help you structure your assets and applications to maximize benefits from both programs without disqualifying yourself from either.
Find VA-friendly senior care facilities in Kentucky
Many assisted living and memory care communities in Kentucky have experience working with families who use VA Aid & Attendance to cover care costs. Our care matching tool can connect you with options that understand the VA billing process.
Frequently asked questions
How do I apply for VA Aid & Attendance in Kentucky?▾
To apply for the VA Pension with Aid & Attendance in Kentucky, submit VA Form 21-2680 (Examination for Housebound Status or Permanent Need for Regular Aid & Attendance) along with VA Form 21P-527EZ (Application for Pension). You can file at your nearest VA regional office, online at va.gov/pension, or with the help of a free VA-accredited claims agent or Veterans Service Organization (VSO). The Kentucky Department of Veterans Affairs (veterans.ky.gov) can refer you to a free VSO in your area.
What is the maximum VA Aid & Attendance payment for 2025?▾
For 2025, the maximum VA Aid & Attendance benefit is: $2,358/month for a surviving spouse alone; $2,795/month for a single veteran; $3,312/month for a married veteran (both spouses living); and $4,435/month for a couple when both spouses need Aid & Attendance. These rates are indexed annually and are federal amounts — they apply uniformly in all 50 states including Kentucky.
Does Kentucky Medicaid count VA benefits as income?▾
Kentucky Medicaid HCB waiver covers assisted living personal care for eligible dual-eligible veterans. Kentucky has five state veterans centers providing long-term skilled nursing care for qualifying veterans. Aid & Attendance income is excluded from Kentucky Medicaid income calculations.
What property tax benefits does Kentucky offer veterans?▾
100% service-connected disabled veterans: full property tax exemption on primary residence. Must file annually with the Property Valuation Administrator. Contact the Kentucky Department of Veterans Affairs at 502-595-4447 or visit veterans.ky.gov to apply and confirm current exemption amounts, as county assessor offices process the applications and amounts can vary by locality.
How do Kentucky State Veterans Homes work?▾
Kentucky State Veterans Homes are residential care facilities operated by the state for eligible veterans, surviving spouses, and in some cases gold star parents. They offer skilled nursing care, domiciliary (assisted living) care, and sometimes memory care. Costs are subsidized: eligible veterans pay significantly less than comparable private facilities. The VA provides a per diem payment directly to state veterans homes for VA-eligible residents, further reducing out-of-pocket cost. Medicaid coverage is also accepted at state veterans homes in most cases. Contact 502-595-4447 to apply.
Can a veteran use both VA benefits and Medicaid at the same time in Kentucky?▾
Yes — dual eligibility is common. Kentucky Medicaid HCB waiver covers assisted living personal care for eligible dual-eligible veterans. Kentucky has five state veterans centers providing long-term skilled nursing care for qualifying veterans. Aid & Attendance income is excluded from Kentucky Medicaid income calculations. Veterans who qualify for both VA benefits and Medicaid should work with an elder law attorney or VA-accredited claims agent to coordinate the two programs so neither benefit disqualifies the other. The VA pension and Aid & Attendance benefit are structured specifically so they can supplement Medicaid-covered care.
Find senior care communities in Kentucky that accept VA benefits
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