How Much Does 24 Hour In-Home Care Cost?

Choosing the right care setting for your parent often comes down to a comparison between keeping them at home and moving them to a facility. While the comfort and familiarity of home are invaluable, the financial side of the equation must be considered. For many families, the pivotal question is how much does 24 hour in-home care cost compared to assisted living or a nursing home? The answer isn’t just a single number; it’s about understanding the value of one-on-one, personalized attention. This guide will walk you through a detailed cost analysis, comparing the different options and breaking down what you get for your investment, ensuring you can choose the path that best fits your loved one’s needs and your family’s budget.

Key Takeaways

• Price is Personal, Not One-Size-Fits-All: The final cost of 24-hour care depends on your loved one’s specific needs, your location in New Jersey, and whether you choose a live-in or around-the-clock shift model. A personalized assessment is the only way to get an accurate quote.
• Look Beyond the Hourly Rate: The price reflects a comprehensive support system that includes personal care, medication reminders, specialized dementia support, and essential companionship. You’re investing in your loved one’s safety, dignity, and overall quality of life.
• Budget with Flexibility in Mind: Manage costs by exploring all funding options, like long-term care insurance and veterans’ benefits, and by discussing flexible solutions with your care provider, such as creating a hybrid plan that blends professional and family support.

What Exactly Is 24-Hour In-Home Care?

When you hear “24-hour care,” it’s easy to picture a constant, overwhelming presence. But in reality, it’s about creating a seamless safety net for your loved one, ensuring they are never alone and always have support when they need it. This type of care provides continuous, one-on-one attention from a professional caregiver right in the comfort of your parent’s home. It’s a comprehensive solution designed for seniors who need consistent monitoring and assistance throughout the day and night.

The goal of 24/7 around-the-clock care is to help your loved one maintain their independence and quality of life safely. A caregiver can assist with a wide range of daily tasks, from personal care like bathing and dressing to practical help like cooking meals, managing medication reminders, and doing light housekeeping. More than just a helper, a caregiver provides companionship and peace of mind, not just for your parent, but for your entire family. Knowing someone is always there reduces the risk of falls, helps manage chronic conditions, and provides immediate support in case of an emergency. It’s about creating a stable, secure, and nurturing environment where your loved one can thrive.

Live-In vs. Around-the-Clock: What’s the Difference?

When exploring 24-hour care, you’ll likely encounter two primary models: live-in care and around-the-clock care. While they sound similar, they operate differently. Live-in care typically involves one caregiver who resides in the home and is given an 8-hour break for sleep. This can be a more affordable option, but it means the caregiver is not actively on duty for the full 24 hours.

In contrast, true around-the-clock care involves a team of caregivers who work in shifts, usually 8 or 12 hours each. This ensures someone is always awake, alert, and available to provide assistance at any moment, day or night. This model is ideal for seniors with complex medical needs, dementia, or a high risk of falling. While it comes at a higher cost, the continuous, active supervision provides the highest level of security and support.

Exploring Different 24-Hour Care Models

The services included in a 24-hour care plan are tailored to your loved one’s specific needs. A caregiver’s duties often revolve around assisting with Activities of Daily Living (ADLs), which include personal tasks like bathing, grooming, dressing, and mobility support. They also provide instrumental support, such as preparing meals, offering medication reminders, and performing light housekeeping to keep the home safe and comfortable.

Beyond the physical tasks, companion care is a core component. A caregiver offers emotional support, engages in conversation, and participates in hobbies, which is vital for mental and emotional well-being. For families looking for a more budget-conscious overnight solution, some agencies offer a “sleeping shift,” where a caregiver sleeps but is available to wake up and assist a few times during the night if needed. This can be a great middle-ground for seniors who don’t require constant overnight monitoring but shouldn’t be left completely alone.

The Big Question: How Much Does 24-Hour Home Care Cost?

When you’re exploring care options for a loved one, the cost is often one of the first and most significant questions. You want the best possible care, but you also need a clear understanding of the financial commitment involved. While every family’s situation is unique, we can look at national and local data to get a solid idea of what to expect. Let’s break down the numbers so you can plan with confidence.

A Look at National Averages

To get a baseline, it helps to look at the cost of care across the country. A recent report on 24/7 home care found that the national median cost is around $33 per hour. When you do the math for continuous, around-the-clock support, that comes out to approximately $24,000 per month. This figure gives you a general benchmark, but remember that costs can swing quite a bit depending on where you live and the specific level of care your family member needs. It’s a helpful starting point as you begin to budget for professional in-home support, but local rates will always give you the most accurate picture.

How New Jersey Costs Compare

Now, let’s bring it closer to home. You might assume that costs in New Jersey are higher than the national average, but that isn’t always the case. Data from AgingCare.com shows that the average monthly cost for 24/7 in-home care in New Jersey is about $19,656. This is based on an average hourly rate of $27. While still a significant investment, it’s notably more competitive than the national median. This highlights why it’s so important to get quotes from local agencies that understand the market in areas like Bergen, Morris, and Essex County. A local provider can give you a much more accurate picture of your potential expenses and the value included.

Breaking Down the Bill: Monthly vs. Hourly Rates

Understanding how hourly rates translate into daily and monthly figures is key to effective budgeting. At a national average of $33 per hour, the daily cost for 24-hour care is just under $800. Some agencies also offer different pricing models that can provide flexibility. For instance, a “sleeping shift” option, where a caregiver is on-site and available overnight but can rest, might be offered at a flat rate between $120 and $200. This can be a practical choice for seniors who don’t require active assistance throughout the night but need the security of having someone present. Discussing these different structures with a care provider can help you find a plan that fits your family’s needs and budget.

What Factors Influence the Final Cost?

When you start looking into 24-hour care, you’ll quickly find that there’s no single price tag. The final cost is a lot like a custom-tailored suit—it’s designed to fit a specific person’s needs, and several key factors determine the final number on the invoice. Understanding these variables from the start will help you create a realistic budget and make informed decisions for your family. Think of it less as a fixed product and more as a personalized service plan.

The price of care can shift based on everything from your zip code to the specific skills your caregiver needs. For instance, the cost of living in your area plays a huge role, as do the local wages for professional caregivers. The intensity of care required is another major factor; someone needing round-the-clock assistance with personal hygiene and mobility will have a different care plan than someone who primarily needs companionship and safety supervision. You’ll also find that costs differ depending on whether you hire a caregiver through a professional agency or independently. Finally, if your loved one has a condition like dementia or is recovering from a major surgery, they will need a caregiver with specialized training, which also influences the rate. Let’s break down each of these components so you can see how they come together.

Why Your Location Matters

Just as the price of housing changes from one town to the next, so does the cost of in-home care. Your geographic location is one of the biggest drivers of the final price. Care costs are often higher in metropolitan areas with a higher cost of living compared to more rural regions. In New Jersey, for example, you might see different rates in Bergen County than you would in a less populated part of the state. This is because local wages, demand for qualified caregivers, and operational costs for agencies are all tied to the local economy. When you request a quote, the provider will always factor in your specific location to give you an accurate estimate.

The Level of Care Your Loved One Needs

The most significant factor in determining cost is the specific level of care your family member requires. The price changes based on how much help they need and the particular services provided. For instance, companion care, which includes services like conversation, meal preparation, and light housekeeping, will have a different rate than hands-on personal care. If your loved one needs assistance with Activities of Daily Living (ADLs)—such as bathing, dressing, grooming, and mobility support—the care is more intensive and requires a caregiver with different qualifications. A thorough assessment is the first step to creating a care plan that meets these unique needs and establishing a clear, predictable cost.

Agency vs. Independent Caregiver: A Cost Comparison

When arranging care, you can either hire a caregiver independently or work with a professional home care agency. While hiring an independent caregiver might seem less expensive at first glance, it’s important to remember what’s included in an agency’s rate. Agencies like Live Easy Home Care handle the entire process for you—from rigorous background checks and credential verification to managing payroll, taxes, and liability insurance. They also provide backup home caregivers if your primary one is sick or on vacation, ensuring seamless, uninterrupted care. This comprehensive management provides invaluable peace of mind and protects your family from the legal and financial risks of being a direct employer.

How Specialized Training Affects Pricing

If your loved one is living with a specific health condition, they will likely need a caregiver with specialized skills and training. Standard companion care is very different from the support required for someone with Alzheimer’s or dementia. Conditions like these require caregivers who are trained in memory care techniques, communication strategies, and managing challenging behaviors. Similarly, post-surgery care or support for a cancer patient involves specific knowledge to ensure a safe and comfortable recovery at home. This advanced training and expertise are reflected in the cost of care, but it’s a critical investment in your loved one’s safety, health, and overall well-being.

What Services Are Included in the Price?

When you invest in 24-hour care, you’re not just paying for a person to be present in the home. The cost covers a comprehensive suite of services designed to support your loved one’s physical health, emotional well-being, and daily comfort. Think of it as an all-inclusive plan for aging safely and gracefully at home. A professional caregiver’s role is multifaceted, blending practical assistance with genuine companionship to ensure your family member has everything they need, right when they need it. This continuous support provides peace of mind for you and a higher quality of life for them.

Personal Care and Daily Living Support

One of the primary components of 24-hour care is hands-on help with personal tasks, often called Activities of Daily Living (ADLs). These are the fundamental self-care activities we all perform each day. For a senior facing mobility challenges or cognitive decline, this support is essential for maintaining dignity and health. A caregiver can provide respectful assistance with bathing, dressing, grooming, and using the toilet. They also offer crucial mobility support, helping your loved one move safely around the house, which is a key part of injury and fall prevention. This consistent, personal attention ensures your family member feels comfortable and confident in their own home.

Medication Reminders and Health Oversight

While non-medical caregivers cannot administer medications, they play a vital role in ensuring your loved one adheres to their prescribed regimen. This includes providing timely reminders for pills, eye drops, or other treatments, helping to keep their health on track. Beyond reminders, a caregiver offers an extra set of eyes and ears. They are trained to observe subtle changes in your loved one’s condition, appetite, or mood and can report any concerns to you or the appropriate medical professional. This proactive oversight is a core benefit of 24/7 around-the-clock care, providing an invaluable layer of security and early detection for potential health issues.

Companionship and Emotional Well-being

Living alone can lead to isolation and loneliness, which can have a significant impact on a senior’s mental and emotional health. A key service included in the price of 24-hour care is consistent, heartfelt companionship. This goes far beyond simply being in the same room. A dedicated caregiver provides conversation, shares in hobbies, plays cards, or joins your loved one for a walk. This social interaction helps keep their mind sharp and their spirits high. Having a trusted friend to talk to and share life with is often one of the most cherished aspects of companion care, transforming daily life from solitary to supported.

Specialized Support for Dementia and Alzheimer’s

For families managing the complexities of memory loss, 24-hour care offers specialized support that is essential for safety and well-being. Caregivers trained in Dementia & Alzheimer’s Care understand how to create a calm, structured environment that reduces anxiety and confusion. They can gently redirect challenging behaviors, engage your loved one in memory-focused activities, and ensure they are safe from wandering. Having a professional caregiver present around the clock means someone is always there to provide patient, compassionate assistance with daily tasks, adapting their approach as your loved one’s needs change. This constant supervision provides immense relief for families who worry about their loved one’s safety when they are alone.

Help with Housekeeping and Meal Prep

Maintaining a clean and orderly home is important for both physical health and mental clarity. A 24-hour caregiver assists with light housekeeping tasks to keep your loved one’s environment safe and pleasant. This typically includes doing the laundry, washing dishes, tidying up living areas, and taking out the trash. They also handle all aspects of meal preparation, from planning nutritious menus and grocery shopping to cooking and cleaning up afterward. This support ensures your family member is eating well-balanced meals without the stress or physical strain of cooking, which is a critical part of any comprehensive senior care plan.

How Does In-Home Care Compare to Other Options?

Choosing the right care setting for a loved one is one of the most significant decisions a family can make. It’s a conversation that balances financial realities with what’s best for their health, happiness, and dignity. While the idea of keeping a parent at home is often the most appealing, it’s helpful to understand how 24-hour in-home care stacks up against other common senior living options, like assisted living facilities and nursing homes.

Each path offers a different blend of support, independence, and community. The best choice isn’t universal; it’s deeply personal and depends entirely on your family’s specific circumstances, your loved one’s health needs, and their personal wishes. Looking at these options side-by-side can help you clarify your priorities and make a choice that brings everyone peace of mind. The goal is to find a solution that provides the right level of support in an environment where your loved one feels safe, comfortable, and respected.

In-Home Care vs. Assisted Living Facilities

The most fundamental difference here is location: staying in a cherished home versus moving to a new community. With 24/7 around-the-clock care, your loved one remains in their familiar surroundings, surrounded by their own belongings and memories. Financially, you continue to pay for home-related costs like a mortgage, taxes, and utilities on top of the caregiver’s services.

Assisted living, on the other hand, bundles housing and care into one monthly fee. These facilities are designed to feel like a community, offering social activities, group dining, and on-site amenities. While this provides a great social outlet for some, the care is shared among residents. In-home care provides dedicated, one-on-one attention, ensuring your loved one’s unique routine and preferences are always the top priority.

In-Home Care vs. Nursing Homes

It’s important to know that in-home care and nursing homes serve very different needs. Nursing homes are clinical, medical facilities for individuals with complex health conditions or extremely limited mobility who require round-the-clock skilled nursing staff, including nurses and therapists. While moving out of a home is a difficult transition, a nursing home can be a more practical and affordable choice when that level of intensive medical care is essential.

In-home care is primarily non-medical. It focuses on helping with daily activities, ensuring safety, and providing companionship. For seniors who need constant supervision and support for conditions like dementia but don’t require hospital-level medical intervention, in-home dementia care offers a way to remain safe and comfortable in a non-institutional setting.

Weighing the Costs and Benefits for Your Family

Ultimately, the decision comes down to what you value most. While 24-hour in-home care is a significant financial commitment, many families feel the cost is worth the immense peace of mind that comes from knowing their loved one is safe and content in their own home. The benefits of personalized, one-on-one attention and the ability to maintain long-standing routines are invaluable for a person’s emotional well-being.

If constant supervision isn’t required, you can also explore more flexible options. Bringing in a caregiver for a set number of hours each day or week through hourly home care can provide essential support while being more manageable financially. It’s all about finding the right balance between your budget and your loved one’s needs.

How Can You Pay for 24-Hour Care?

Arranging around-the-clock care is a significant decision, and figuring out how to pay for it is a major piece of the puzzle. While many families use personal savings to cover the costs, it’s worth exploring all the available avenues. Understanding your options can help you create a sustainable financial plan that ensures your loved one gets the consistent, high-quality support they need.

Using Long-Term Care Insurance

If your parent has a policy, now is the time to review it. These policies are specifically designed to cover services like in-home care that aren’t typically paid for by standard health insurance. Most plans reimburse you for the cost of personal care, companionship, and supervision for someone with cognitive decline. It’s important to read the fine print to understand the daily benefit amount, the elimination period (the number of days you must pay out-of-pocket before coverage kicks in), and any specific requirements for caregivers or agencies. We can often help families work with their long-term care insurance providers to streamline this process.

Accessing Veterans Benefits

For those who have served in the military, veterans’ benefits can provide a significant source of funding for home care. Programs like the VA Aid and Attendance benefit are designed to help eligible veterans and their surviving spouses pay for assistance with daily activities. This pension benefit is paid in addition to a veteran’s standard pension. Determining eligibility can feel complex, but it’s a valuable resource that can make a real difference in affording consistent care. Partnering with an agency experienced in home care for veterans can help you get the necessary documentation in order.

Understanding State and Medicaid Programs

For individuals with limited income and assets, Medicaid may offer some assistance. In New Jersey, programs like Managed Long-Term Services and Supports (MLTSS) can cover certain home and community-based services to help people remain in their homes instead of moving to a nursing facility. Eligibility rules are strict and based on both medical need and financial standing. While this isn’t the right path for every family, it’s an important option to be aware of. Each state’s program is different, so you’ll want to check with your local Area Agency on Aging for specific details.

Private Pay and Other Funding Strategies

Paying directly out-of-pocket, or “private pay,” is the most common way families fund 24-hour home care. This approach offers the most flexibility and control, allowing you to choose the agency and caregivers that best fit your family’s needs without waiting for third-party approvals. Funds typically come from savings, pensions, retirement accounts, or the sale of assets. When paying privately, it’s wise to speak with a few different agencies to understand their rates and services. Remember to look beyond the hourly price and consider the value of working with a trusted provider that offers reliable, compassionate, and professional around-the-clock care.

Common Myths About 24-Hour Care Costs

When you’re exploring care options for a loved one, the cost is always a major consideration. Unfortunately, there’s a lot of confusing information out there. Let’s clear up a few common myths about the cost of 24-hour home care so you can move forward with clarity and confidence. Understanding the financial side of things is the first step toward making a plan that works for your family and gives your loved one the support they deserve.

“Insurance Will Cover Everything”

It’s a common hope that health insurance or Medicare will cover the full cost of non-medical home care, but that’s rarely the case. Most families pay for these services out of pocket. While standard insurance plans typically don’t cover non-medical care, other options can provide significant financial help. For instance, many families use long-term care insurance policies to fund ongoing support. Additionally, specific programs are available for veterans that can offset the expense. It’s always a good idea to review your loved one’s policies and explore all potential benefits to see what assistance is available.

“The Quoted Price is the Final Price”

An initial price quote is best viewed as a starting point, not the final number. The actual cost of 24-hour care depends on several personal factors. The final price changes based on your specific location in New Jersey, the level of assistance your loved one needs, and the exact services included in their care plan. For example, a person who needs basic companionship will have a different cost structure than someone requiring specialized dementia and Alzheimer’s care. A trustworthy agency will always provide a detailed assessment and a transparent breakdown of costs before you sign any contract, ensuring there are no surprises.

“Caregivers Don’t Need Breaks or Overtime”

Providing attentive, high-quality care is demanding work, and no single person can do it 24 hours a day, seven days a week. True around-the-clock care means a caregiver is always awake, alert, and ready to help, even overnight. To make this possible, care is typically provided by a team of caregivers working in 8- or 12-hour shifts. This model ensures your loved one always has a fresh, focused professional by their side. It also means the cost reflects multiple skilled caregivers, fair wages, and adherence to labor laws, which is essential for providing reliable and ethical care.

Smart Ways to Manage Your Home Care Budget

Arranging 24-hour care is a major decision, and the cost is naturally a top concern for most families. The good news is that you have more control over the budget than you might think. With some thoughtful planning and open communication with your care provider, you can create a sustainable financial plan that ensures your loved one receives exceptional care without causing undue financial strain. It’s all about understanding your options and finding the right balance for your family’s unique situation. Let’s look at a few practical strategies to manage the costs of around-the-clock care effectively.

Create a Hybrid Care Plan

If continuous, around-the-clock shift care feels out of reach financially, consider a hybrid approach. This involves blending professional services with family support to cover all 24 hours. For example, you might have a professional caregiver handle the daytime hours, while a family member takes the evening shift. Another excellent option is to explore live-in home care, which is often more affordable than 24/7 shift-based care. With a live-in caregiver, one person resides in the home and works set hours, with designated breaks and sleeping time. This model provides the security of having someone present at all times while being a more budget-conscious choice for many families seeking full-time support.

Explore Flexible Scheduling Options

A quality home care agency understands that every family’s needs and budget are different. Don’t hesitate to ask about flexible scheduling that can help manage costs. For instance, if your loved one primarily needs supervision overnight for safety but doesn’t require active assistance, some agencies offer a lower rate for a caregiver who is permitted to sleep and only wakes to help when needed. This can be a practical alternative to paying for an awake and alert caregiver throughout the night. The key is to have an open conversation about your specific needs. A dedicated care coordinator can work with you to design a 24/7 around-the-clock care plan that provides complete coverage in a way that aligns with your financial goals.

Leverage Tax Deductions and Financial Planning

While many families pay for care out-of-pocket, it’s essential to explore every available financial resource. If your loved one has a long-term care insurance policy, now is the time to review its benefits, as it can significantly offset costs. Veterans may also be eligible for specific aid programs that can help fund in-home care. It’s worth investigating what home care for veterans benefits might apply to your situation. Additionally, some home care expenses may be tax-deductible as medical expenses. We always recommend speaking with a financial advisor or tax professional to understand your eligibility and ensure you’re taking advantage of all the financial tools available to you. This proactive planning can make a substantial difference in your long-term budget.

How to Budget for 24-Hour Care with Confidence

Arranging around-the-clock care is a significant financial decision, but it doesn’t have to be a source of stress. With a clear understanding of the costs and a solid plan, you can feel secure in your choice and focus on what truly matters: your loved one’s well-being. Budgeting with confidence is about more than just knowing the numbers; it’s about anticipating future needs, understanding your agreement, and building a flexible plan that works for your family.

Think of it as creating a financial roadmap for your loved one’s care journey. A good plan helps you prepare for the road ahead, ensuring you can provide consistent, high-quality support without unexpected financial surprises. By taking a proactive approach, you can ensure that the focus remains on providing a safe, comfortable, and dignified environment at home. The following steps will help you create a budget that provides both excellent care for your loved one and peace of mind for you.

Understand the Contract and Payment Terms

Before committing to a care plan, take the time to thoroughly review the service agreement. A transparent contract is the foundation of a trustworthy relationship with a care provider. Make sure you understand exactly what services are included, the payment schedule, and the policies for cancellation or changes. Don’t hesitate to ask questions about anything that seems unclear.

Most families pay for home care privately, but it’s worth exploring all your options. See if your loved one’s long-term care insurance policy can be applied to the costs. If they served in the military, they might also be eligible for specific home care benefits for veterans. A clear understanding of the financial terms from the start prevents misunderstandings later on.

Plan for Future Cost Adjustments

A person’s care needs are rarely static; they can change over time. A solid budget accounts for this possibility. The initial cost of care is based on the current level of support required, but this may increase if your loved one needs more specialized assistance in the future, such as advanced dementia and Alzheimer’s care.

When you speak with a home care agency, ask how they handle rate adjustments. Reputable providers will be upfront about what might cause a price change, whether it’s an evolution in care needs or adjustments related to state labor laws and caregiver overtime. Planning for these potential shifts allows you to build a sustainable budget that can adapt as your family’s circumstances evolve, ensuring continuous and uninterrupted care.

Prepare for Emergencies and Backup Care

While the goal is to provide comprehensive support, it’s wise to have a contingency plan. What happens if a family caregiver gets sick or if your loved one has a medical emergency that temporarily increases their need for support? Discuss these scenarios with the care agency to understand what backup resources are available. A great agency will have a deep roster of qualified caregivers to ensure coverage is never an issue.

It’s also helpful to remember that care plans can be flexible. Not everyone requires 24/7 around-the-clock care immediately. Some families start with 12 or 16 hours of care a day and scale up as needed. This approach can make the budget more manageable while still providing a high level of safety and support.

Related Articles

• Around the Clock Care for Elderly: A Complete Guide
• 24 Hour Overnight Care for Seniors | A Complete Guide
• Elderly Care Cost Per Hour: A Complete Breakdown
• Elderly Care Cost New Jersey: A Complete Guide
• A Guide to Home Care for Seniors with Limited Mobility

Frequently Asked Questions

What’s the main difference between a ‘live-in’ caregiver and ‘around-the-clock’ care? Think of it this way: a live-in caregiver is one person who resides in the home and is given a dedicated period to sleep, usually about eight hours. In contrast, true around-the-clock care involves a team of caregivers working in shifts. This ensures someone is always awake, alert, and available to provide immediate assistance, which is especially important for individuals with complex health needs or those who are prone to wandering at night.

Is it cheaper to hire a caregiver privately instead of using an agency? While the hourly rate for an independent caregiver might seem lower at first, it often doesn’t account for the hidden responsibilities and costs. When you work with a professional agency, the rate includes crucial services like comprehensive background checks, insurance, and payroll management. The agency also handles scheduling and provides qualified backup caregivers, so you’re never left without support if someone is sick. This structure protects your family and provides invaluable peace of mind.

My parent has dementia. How does that affect the cost of care? The cost of care is directly related to the level of skill and training required. Supporting someone with dementia involves more than just companionship; it requires specialized knowledge in managing memory loss, communicating effectively, and creating a safe, structured environment. Caregivers with this advanced training are compensated for their expertise, so the rate for specialized dementia care will be higher than for standard personal or companion care.

What if we don’t need someone awake and active all night long? This is a great question, and many families are in a similar situation. If your loved one is generally safe overnight but shouldn’t be completely alone, you can often arrange for a “sleeping shift.” In this scenario, a caregiver stays overnight and is available to wake up and assist if needed, but they don’t remain actively on duty. This is a more budget-friendly option that still provides security and support during the night.

Besides our savings, what are the most common ways to pay for 24-hour care? Many families use a combination of resources to fund care. Long-term care insurance is a primary one, as these policies are specifically designed to cover in-home support. If your loved one is a veteran, it’s also worth exploring VA benefits like the Aid and Attendance program, which can provide a monthly pension to help pay for care. It’s always a good idea to review any existing policies and speak with a financial advisor to understand all your options.