Net worth means the net value of the assets of the Veteran and his or her dependents. It includes such assets as bank accounts, stocks, bonds, mutual funds, some annuities and trust funds and any property other than the Veteran's residence and a reasonable lot area. There is no set limit on how much net worth a Veteran and his or her dependents can have, but net worth cannot be excessive. The decision as to whether a Veteran's net worth is excessive depends on the facts of each individual case. All net worth should be reported and VA will 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.