I have done over 100 VA apps so I understand the root of the questions. My point is that these 'veteran advocates' seem to not really understand the deeper parts of "Benefits"
Let me explain how the process works, although, you could read the posts and get alot of your questions resolved.
1. 21-2680 Doctor form. this is the key to the entire process. a.) you fill it in to the best of your ability. b.) you write so neat a blind person could read it. c.) under diagnosis, you show the date it started, this could trigger retro benefits for up to a yr back for the date of the app.. d.) when it asks on question 26, 27 etc to explain why he cant before the activity, you have to put (example) : "vet can not prepare his on meals because he has Deep Vien Thrombosisi and can't stand longer than 2 minutes withuot having ot set down because of the intense pain" you have to have a because and it has to tie back to the diagnosis.
2.) there is a one page form that can be sent in NOW, that will hold your place in the application process. Otherwise they will only concider the app once everything is complete, THEN they use the next month as the month of application.
3.) I am well aware there is no lookback for VA. But as I said in my post, are you going to lose the nursing home benefit form mediciad by your actions w/va? And yes, I know...."i'll never put my parents in a nursing home". that is a wonderful sentiment to have but it clashes with God's plan for each of us. IF one of your parents has a strokE or some dramatic medical event that REQUIRES nursing home care, then what. VA does not pay for nursing home. This is all I do. For the last 11 years. Only Seniors in CARE
Hopefully, though, you have already been told all this so your good to go.
And hopefully, the VA will let you be the representative. THey do backgound checks. Fanmily is NOT always the first choiceby the VA. My point is, the last thing you should be worring about is opening accounts. The VA will let you know if/and when you need to open an account. Don't think that attaching a void check solves that problem.
You skipped the annuity question. You cant change ownership on a retirement account without dad paying taxes on the entire amount. But if it is an annuity that he bought with after tax dollars, he can.
And CARE is 100% tax deductable (1997 tax law) as a medical expenses (7.5%) An of course disability income is not taxed.