Veterans with a service-related disability may qualify for over $3,300 in monthly benefits.
1. What is the governing law relating to specially adapted housing for disabled veterans or servicemembers?
Title 38, United States Code, chapter 21. The original statute was Public Law 702, 80th Congress, dated June 19, 1948. Public Law 109-233, The Veterans Housing Opportunity and Benefits Act of 2006, dated June 15, 2006, and Public Law 110-289, The Economic and Housing Recovery Act of 2008, dated July 30, 2008, amended Public Law 702 and expanded benefit eligibility.
2. Which veterans or servicemembers are basically eligible for the grant?
The Specially Adapted Housing Grant is available to veterans or servicemembers who are entitled to compensation for permanent and total service-connected disability due to:
3. Who determines the veteran or servicemember's basic eligibility for the grant?
The current or most recent VA Rating Decision issued by the Veterans Service Center of jurisdiction establishes the veteran's or servicemember's basic eligibility for a Specially Adapted Housing Grant. The VA Rating Decision is subject to review and revision.
4. Are there any other statutory requirements for eligibility?
5. Is there a time limitation or deadline for applying for a Specially Adapted Housing Grant?
No, there is no time limit on the use of the grant.
6. How much specially adapted housing assistance can a veteran or servicemember receive?
An eligible veteran or servicemember may receive a VA grant of not more than 50 percent of the cost of a specially adapted house, up to the aggregate maximum amount allowable by law. The current maximum grant amount allowable for FY2015 is $70,465.
There is also A SHA grant that can be used to increase the mobility of eligible Veterans and servicemembers throughout their house, those with specific service-connected disabilities (including severe visual impaiment or loss/loss of use of both hands) may be entitled to this grant which has a maximum amount of $14,093 for fiscal year 2015.
These amounts are adjusted annually each October 1 based on a cost-of-construction index. Any future adjustments will increase the grant amounts or leave them unchanged.
7. How many times may a veteran or servicemember receive specially adapted housing assistance?
Public Law 109-233 authorized up to three usages of grant benefits. Public Law 110-289 provided for annual increases in the maximum grant amount, to keep pace with the residential cost-of-construction index. When the maximum grant amounts are increased, veterans or servicemembers who have not used the assistance available to them up to the allowable three times may be entitled to a grant equal to the increase in the maximum grant amount at that time.
8. Where may the grant be used?
Any real property purchased, constructed, or adapted with the proceeds of a specially adapted housing grant must be located:
9. How may the grant be used?
10. Under Plan (4) above, question No. 9, if a veteran or servicemember already has a specially adapted home that is owned free and clear, how much of the grant, if any, would the veteran or servicemember be entitled to receive?
It depends on the needs of the veteran or servicemember. Additional adaptations may be installed, if they are determined to be necessary. Should the veteran or servicemember decide to buy or build another specially adapted home, the total benefit, or portions of the maximum grant allowable not yet used, could be applied toward installation of adaptations on that house.
11. If the maximum grant amount is not used for a specially adapted home, may a second grant be obtained for another home or for further capital improvements on the veteran's or servicemember's present home?
Yes. Under 38 U.S.C. Chapter 21, the grant, up to the maximum amount, can be used up to three times. For the purpose of the following examples, the current maximum allowable grant amount of $70,465 is used:
12. Is a veteran or servicemember who obtains a specially adapted home entitled to exemption from State real estate taxes?
This depends on State and local tax laws. There are many States that do provide such relief from taxes, either in whole or in part. The Specially Adapted Housing Agent will be able to provide a veteran or servicemember with more detailed information.
13. What adaptations are typically considered necessary for specially adapted housing?
NOTE: Veterans or servicemembers who are fitted with lower extremity prostheses, who have loss or loss the use of both arms at or above the elbow, or have severe burn injuries alleviating wheelchair use, may not need some of the above listed requirements but may require other specific types of adaptations. This pamphlet does not go into detail regarding unusual or complex problems, which conceivably can arise. For more information, contact your local VA Specially Adapted Housing Agent. Additional information may be also obtained from your VA Regional Loan Center.
14. What are some other design factors to be considered?
15. Where does a veteran or servicemember go to find out if he/she is eligible for a Specially Adapted Housing Grant?
Any VA office, but preferably the VA office where the veteran's or servicemember's claim records are located. A determination will be made as to basic eligibility and whether it is medically feasible for the veteran or servicemember to reside in a specially adapted home.
16. How is the veteran or servicemember advised that he/she is eligible for a Specially Adapted Housing Grant?
A notice of eligibility (rating decision) for specially adapted housing will be sent to the veteran or servicemember. A VA Specially Adapted Housing Agent will visit the veteran or servicemember and counsel him/her in every way possible in using the grant. The veteran or servicemember will also be furnished a supplemental application form (VA Form 26-4555c, Veteran's Supplemental Application for Assistance in Acquiring Specially Adapted Housing) to be filled out when he/she is ready to obtain the grant. When the veteran's or servicemember's request for the grant is approved, he/she will receive a commitment letter from VA setting forth the terms and conditions under which the funds will be made available. Any contract executed by the veteran or servicemember must include the condition that it is subject to VA approval and his/her obtaining the grant.
17. Will VA help an eligible veteran or servicemember to pick out a lot, obtain the services of an architect, obtain bids for construction, and arrange necessary financing?
Yes. Specially Adapted Housing Agents are specialists in this field and will provide assistance to the veteran or servicemember. However the veteran or servicemember is allowed freedom of choice when it comes to location, financing and contractor.
18. Is design assistance for specially adapted housing available from the Department of Veterans Affairs?
VA Pamphlet 26-13, Handbook for Design: Specially Adapted Housing, provides guidelines, recommendations, and illustrations to assist the physically handicapped veteran or servicemember and the architect/designer to construct or remodel a home so that its design fully meets all of the veteran's or servicemember's special needs.
19. Can a veteran or servicemember apply for a GI home loan from a private lender to cover the difference between the total cost of the house and the grant?
Yes, if he/she is a veteran or servicemember of World War II or later who has GI housing entitlement and can qualify for a GI home loan.
20. If private financing is not available, can VA make the veteran a direct loan to cover the difference between the total cost of the house and the grant?
Yes, provided the veteran has GI home loan entitlement and qualifies from a credit standpoint. The maximum direct loan is currently $33,000.
21. Is life insurance available, which would pay off the mortgage on a specially adapted house in case the veteran dies before repaying the loan?
Yes. Most veterans and servicemembers who receive a Specially Adapted Housing Grant are eligible for Veterans Mortgage Life Insurance (VMLI) covering the unpaid principal, not to exceed $90,000, on the mortgage loan. VA representatives will explain this program and assist eligible veterans in applying for this protection using VA Form 29-8636 (Veterans Mortgage Life Insurance Statement). However, VMLI can only be issued to veterans age 69 and younger. Once issued, VMLI will remain in effect, regardless of age, if there is mortgage indebtedness. Questions concerning VMLI should be directed to the Insurance Center located in Philadelphia at 1-800-669-8477.
22. Are there other benefits similar to specially adapted housing to which a disabled veteran may be entitled?
Yes, an eligible veteran or servicemember may be entitled to the Home Improvement and Structural Alterations (HISA) benefit, which has a current maximum of $4,100 for a service-connected disability and $1,200 for a nonservice-connected disability. The Prosthetics and Sensory Aids Service at the nearest VA health care facility will furnish additional information concerning this benefit upon request (including how to file VA Form, 10-0103, Veterans Application for Assistance in Acquiring Home Improvement and Structural Alterations).
23. If a veteran or servicemember is eligible for a Specially Adapted Housing Grant, may he/she also receive a Special Housing Adaptations Grant?
No. If a veteran or servicemember qualifies for both benefits, the law limits him/her to the use of the larger grant.
Note: A Specially Adapted Housing (SAH) video was developed to introduce the Specially Adapted Housing program to eligible veterans or servicemembers and give VA employees, program participants, and others an overview of the Specially Adapted Housing program. Copies of this video may be obtained by contacting the VA Specially Adapted Housing Agent or your VA Regional Loan Center. The toll free number for VA is 1-800-827-1000.