Net worth refers to the net value of a Veterans assets along with their dependents. It covers assets such as stocks, bank accounts, mutual funds, trust funds, annuities, properties and bonds; apart from the residence of a Veteran. No limit is set on the net worth that a Veteran or his/her dependents can possess; however, net worth cannot be excessive. Individual cases is examined to determine what would be an excessive net worth for a Veteran. Reporting of net worth must be done and VA has the power to determine if a Veteran’s assets are of a sufficient amount that the claimant could live off these assets for a reasonable period of time. Pension is a needs-based program and is not intended to protect substantial assets or build up an estate for the benefit of heirs.