My Mom's monthly expenses for Assisted Living have been exceeding her income for the past year and a half. She has been taking her IRA RMD plus additional monies from the IRA's to cover these expenses. In addition, this year she "rolled over" and consolidated an investment IRA to an existing IRA held as cash. Total IRA balance is currently $21,000. Her annual income (monthly pensions & SS plus RMD) is approx. $32,000 with annual health care expenses (assisted living, Medicare, verified ongoing RX's) is approx. $42,000. So the shortfall is obvious. Mom is almost 89, and the IRA is her only remaining asset. So, several questions: since it seems (from other posts on this site)the VA will IRS income match to check for discrepancies, should I include a "statement of claim" to explain 2015 IRA distributions from Tax return, and 2016 distributions? 2016 RMD's have already been withdrawn and spent for care, as well as addn. $$. Should I attach copies showing the IRA rollover and withdrawals from this year? Or just the recent monthly statement? Form 21-534EZ, Section IX: Expected income. Since it asking for 12 months of expected income from the date of application(assuming Nov 2017), should I just list the RMD for 2017 for her IRA since there will be no more withdrawals this year? Want to provide as much information as needed to validate her assets, income and expenses without going overboard and submitting more info than is needed. Maybe I am just overthinking everything.... This site has been a wealth of information. My thanks to all those who contribute their time and expertise to answer our questions!