My dad is a WWII vet and meets the service qualification, but from there on it gets complicated. My sister and I moved my parents north to PA from FL in October to be near my sister due to health issues for both of them. She has their Medical POA's. We moved them to an independent living senior apartment as they insisted they did not want or need assisted living. WE compromised to get them north. We are now second guessing that decision and are looking to relocate them to an ALF in the near future. It will cost more than where they live now, and due to unforseen circumstances they can't even afford their current place. Unfortunately their home in Florida did not sell last season, and now that they are no longer living there I know the VA will not count it as a primary residence -it will be an "asset". I put that in quotes because it has been nothing but a liability in reality. Paying for the lot rent and utilities in Florida was not part of the budget when we moved them, and as a result their credit card debt has been rising. We had planned to pay off all debts from proceeds of the house sale, instead the debt is growng quickly. It was much higher than my dad let on as I discovered when I got him to give me DPOA for his finances. They are paying over $800 a month just for credit card minimum payments. It's becoming a financial nightmare very quickly. I notice the applications talk about "net assets" yet give you no opportunity to list your liabilities. I'm a bookkeeper. I know what Net Worth is. It is Assets MINUS Liabilities. Using that formula their net worth would be about $50,000 - well within qualification limits. If we can't report their debt, they will be over the $80,000 threshhold. ($37,000 + in credit card debt - YIKES!) Any idea how the VA considers debt load, if at all? Now for the medical issues. Dad has two terminal illnesses - congestive heart failure and and advanced emphysema - as well as diabetes. He is takes breathing treatments four times a day, a couple heart meidcations, and insulin. He is still able to take care of himself and manage his medications independently. Mother has been diagnosed with Alzheimer's disease, sleep apnea for which she uses a breathing machine at night, and diabetes that has been uncontrolled for several years because even though she takes medications she refuses to alter her diet. She is barely able to walk with the aid of a walker due to her morbid obesity. When she falls, the paramedics have to come to pick her up. She has had 2 knee replacements and is unable to kneel. She is on about 15 different medications and takes 5 insulin shots of different dosages and different types each day. Although her Alzheimer's is not severe yet, she is becoming more obstinant with dad, and he refuses to help her ensure she takes her medications properly. The doctor has told him the stress of caring for an Alzheimer's patient is too much for him with his heart condition. My mother quite obviously needs to be in assisted living, ASAP. If we move them to an assited living facility, will the fact that my dad, the veteran, does not actually need to be there for his own medical reasons disqualify him from aid from the VA? Or will the fact that he is lliving in an assisted living facility be good enough. In researching pension benefits for veterans I have discovered there are three different levels of assistance available. If he qualifies for a lesser benefit now but then later requires more aid, are we stuck with what we are first awarded or can we requalify for a different level of aid? In other words, should we start applying now or wait until later? My head is spinning. I have downloaded and printed off applications and instructions and will meet with my parents this weekend for my monthly visit (I have the financial DPOA but live 3 hours away so only see them monthly) and will begin to attempt to collect the various documents required. Here's hoping he knows where his discharge papers from 60 years ago are located. He did qualify for VA medical coverage a couple years ago so I assume he had them when he applied for that.