Losing a spouse who served in the military is a profound loss. Navigating your entitled benefits can be especially challenging during the grieving process.
Widows of veterans have access to VA benefits designed to provide financial assistance. Understanding these benefits will help you take advantage of available support.
Dependency and Indemnity Compensation (DIC)
One of the primary benefits for widows is Dependency and Indemnity Compensation (DIC). This benefit provides financial support following the loss of a spouse due to service-related causes. In South Carolina and Northeast Georgia, this is a tax-free, monthly benefit.
Survivor’s Pension
The VA also offers a Survivor’s Pension, sometimes called a Death Pension. This needs-based benefit is available to low-income widows of wartime veterans. To qualify, you must meet income and net worth limits set by Congress. Survivor’s Pension provides financial support to help with basic living expenses.
Aid and attendance
If you need help with daily living activities, you may be eligible for the Aid and Attendance benefit. This benefit provides additional financial assistance to widows who require additional aid. Typically this is for widows who are bedridden, are in a nursing home, or have limited eyesight. You can use this with your DIC or Survivor’s Pension.
Education and training benefits
The Survivors’ and Dependents’ Educational Assistance (DEA) program offers education and training benefits. They can use this for degree and certificate programs, apprenticeships, and job training. It provides up to 36 months of education and training to help widows gain new skills.
Home loan benefits
The VA offers home loan benefits to widows, which can help you buy, build, or improve a home. You may be eligible for a VA-backed home loan with no down payment and no private mortgage insurance.
Health care benefits
The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) provides health care coverage for surviving spouses. CHAMPVA helps cover the cost of doctor visits, hospital stays, and prescription medications.
Burial benefits
The VA offers burial benefits to help cover the cost of funeral and burial expenses. Eligible widows can receive a burial allowance and a plot allowance. They can also receive reimbursement for transportation costs to a VA national cemetery. Additionally, your spouse may be eligible for a government-provided headstone or marker.
Navigating your benefits
Knowing your rights to VA benefits is crucial for accessing the support you deserve. While these benefits can not make up for your loss, they can go a long way toward helping you move forward.