Caring for a veteran can be both a rewarding and challenging responsibility. Many veterans, particularly those with service-connected disabilities, rely on family members or friends for ongoing care and daily support.

In recognition of this vital role, the U.S. Department of Veterans Affairs (VA) offers financial assistance and additional benefits to eligible caregivers through the Program of Comprehensive Assistance for Family Caregivers (PCAFC).

This article explains what the Veteran Caregiver Stipend is, who qualifies, how it is calculated, and how caregivers can navigate the application process effectively.

What Is the Veteran Caregiver Stipend?

The Veteran Caregiver Stipend is part of the VA’s Program of Comprehensive Assistance for Family Caregivers. It provides financial support to eligible caregivers of veterans with qualifying service-connected disabilities.

The stipend helps offset some of the financial burden caregivers may experience and recognizes the essential role they play in supporting veterans’ health, safety, and daily living.

In addition to the monthly stipend, enrolled caregivers may also receive:
- Health insurance coverage (if not already insured)
- Mental health counseling
- Training and education on caregiving best practices
- Respite care for temporary relief
- Access to a VA Caregiver Support Coordinator

Who Is Eligible?

Eligibility is determined for both the veteran and the caregiver.

Veteran Eligibility

To qualify, the veteran must:

- Have a serious injury or illness incurred or aggravated in the line of duty (including expanded eligibility for certain pre-9/11 veterans)
- Require assistance with activities of daily living (ADLs) such as bathing, dressing, eating, mobility, or require supervision due to cognitive or mental health conditions
- Be enrolled in VA health care

Caregiver Eligibility

The caregiver must:

- Be designated as the Primary Family Caregiver
- Be a spouse, child, parent, or other qualified individual chosen by the veteran
- Provide at least six months of care
- Complete required VA caregiver training

How Is the Stipend Calculated?

The stipend amount is based on a tiered system and calculated using the Bureau of Labor Statistics (BLS) wage rate for home health aides in the veteran’s geographic area.

Two Levels of Support

Tier 1 (Lower Tier)

- Provides general supervision
- Fewer hands-on care activities
- Pays 62.5% of the local BLS wage rate

Tier 2 (Higher Tier)

- Substantial hands-on care
- Assistance with multiple ADLs or constant supervision
- Pays 100% of the local BLS wage rate

Depending on location and care level, monthly payments may range from approximately $1,750 to $3,000 or more. The stipend is tax-free and paid directly to the caregiver.

How to Apply

Applying for the stipend involves several steps.

1. Confirm Eligibility

Review eligibility requirements with the veteran’s VA care team.

2. Submit VA Form 10-10CG

Applications may be submitted:

- Online through the VA Caregiver Support website
- By mail
- In person at a local VA medical center

3. Complete Required Training

The caregiver must complete VA-provided training covering medication management, behavioral support, and caregiver self-care.

4. Veteran Evaluation

A VA clinical team will assess the veteran’s level of care needs to determine stipend tier placement.

5. Approval and Payment

If approved, the caregiver will receive notification of the stipend amount and gain access to additional program benefits.

Maximizing the Benefits

Caregivers can take proactive steps to ensure they receive the full value of the program.

Stay Informed About Changes

If the veteran’s care needs increase or decrease, stipend levels may be adjusted. Maintain communication with the VA care team.

Use Additional VA Resources

Respite care, counseling, and support coordinators are valuable resources that can help prevent burnout.

Keep Accurate Records

Document caregiving activities and health changes to support reassessments.

Maintain Ongoing Communication

Regular check-ins with the VA Caregiver Support Coordinator can help ensure continued access to services.

Reapply if Needed

If previously denied, caregivers may reapply if the veteran’s condition changes significantly.

How DAV Caregivers Support Can Help

Understanding VA programs like the Veteran Caregiver Stipend can feel overwhelming. Caregivers often find themselves navigating eligibility requirements, documentation, reassessments, and evolving care needs while also providing daily support.

DAV Caregivers Support is designed to support:

  • The people who care for veterans
  • Veterans who are caring for someone in their lives

Through DAV Caregivers Support, individuals can find guidance, education, and emotional support tailored to the unique realities of military-connected caregiving. The program helps caregivers better understand their role, manage stress, and connect with trusted resources that align with veterans’ needs and experiences.

If you are caring for a veteran, or you are a veteran caring for someone else, you do not have to navigate these challenges alone.

Learn more about DAV Caregivers Support: https://www.dav.org/get-help-now/dav-caregivers-support/

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