Hello. My father is a widowed 81 y.o army vet. He will go into an ALF in 1-2 months. I have a question about his eligibility for A&A, especially with respect to his annuity. First a snapshot: ---I believe the cost of his ALF and other UMEs will be between $2900-3500/mo ( I only know a range right now; I will know more when he actually goes into ALF to see how they classify his needed level of care and corresponding cost). ---Dad's income is $2359/mo ($1820 in Social Security and $535 from an annuity). I plan to pay off all debt Dad has (loans, credit card) to free up more money for him. --As for assets, he has a modest home and car (both exempt, I understand). He has a half ownership in some land (the other half belongs to his stepchildren via his dead wife's will). This land has a FMV of about $50k, so his interest is worth about $25k (and btw, it's "family land," so his stepchildren won't sell it, making Dad's interest essentially meaningless). He has savings of about $17,500 (mostly from life insurance proceeds) that we will use to make up the shortfall for ALF until we HOPEFULLY get approved for an A&A benefit. Now, about that annuity. The most recent valuation (Dec 2014) puts it at about $72k. HOWEVER, I am told it is an irrevocable annuity ("set in stone," as MetLife put it to me). He can't withdraw the full value, but can only get the guaranteed $535/mo.....Will the VA consider this in evaluating Dad's application with respect to the asset test? I desperately hope Dad is eligible for the full $1788/mo award. From your reading of my facts, what do you think? Many thanks for your time.