The VA suggests that its adjudicators use a certain amount of personal judgment on this issue. But the bottom line is: does it realistically appear that the veteran or surviving spouse may outlive their assets? If so, they are likely eligible. Do NOT count their residence or vehicle when estimating net worth. Do NOT count a life insurance policy (because the policy holder must be deceased in order to benefit from it). DO count CDs, annuities, stocks, bonds, savings, checking, IRAs, Keogh, etc. DO count any assets owned by the spouse as well. As a rule of thumb, assets should not exceed $80,000. That amount drops depending on the age of claimant. List below the estimated ANNUAL income of the veteran or surviving spouse: Estimate total income (If married include spousal income): ______ All income must be included. This includes social security, pension, interest income, dividends, income from rental property, etc. If the veteran is married, then any spousal income must also be included. List all unreimbursed, recurring health care expenses: This includes: Assisted Living costs (per month): _________________ Nursing Home costs (per month):________________ Home Care service (per month):_______________ Health Insurance premium (per month):_______________ Medicare premium (per month):_________________ Regular (unreimbursed) prescriptions (per month & verifiable through a pharmacy print-out): _____________ TOTAL Expenses per month: __________ (multiply x 12 to get total annual expenses) Subtract your total annual health care expenses from your total annual income and write the amount here: _____________. This is your "countable" income.