Are Veterans Long Term Care Insurance Premiums of Well Spouse deductible as out of pocket expenses?

This appears to be a gray area within the VA.  Although the law allows medical insurance premiums as unreimbursed medical expenses (UME), some adjudicators will deny LTC premiums.  I would certainly submit them and if they are denied, send a notice of disagreement (if they are important to the outcome of the claim).  I believe a good argument could be made that they are indeed “medical” insurance premiums, especially in light of the fact that assisted living is now considered to be equivalent to nursing home care for the purpose of pension plus A & A and LTC can be used for nursing home, assisted living, or home care.

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