VETERAN BENEFITS ARE CHANGING IN 2025: WHAT'S NEW WILL SHOCK YOU
Understanding Veterans’ benefits is an evolving task and we here at VeteranLife are here to help. Our guide to VA benefits features a ton of resources aimed at helping the Veteran community find the help and compensation they rightfully deserve. From applying for benefits to finding the right forms and much more, it doesn’t matter if you need education, home loans, disability, healthcare, or more, we’ve got you covered below. Including several updates involving Project 2025, the latest disability rates, and what to expect to happen with your benefits during the second Trump administration.
VA Benefits 2025: Changes You Need to Know & Their Impact
Veterans’ benefits are increasing in 2025; however, there are also some concerns that could hinder healthcare access. Here are the changes to the VA benefits 2025 has to offer. These changes go into effect on December 1, 2024:
- Due to the latest Cost-of-Living Adjustment (COLA) update, VA benefits increase in 2025 by 2.5% for disability rates.
- If you are a retired Veteran, you’ll receive $25 more per $1,000 for your retirement pension.
- Those who receive compensation through the Career Status Bonus (CSB/Redux retirement plan) receive an additional $15 per $1,000.
- VA benefits for disabled Veterans are also rising in 2025 by around $4.28 per month. Veterans with a 100% disability rating will receive around $93.45 more per month.
- VA dependency and indemnity compensation (VA DIC) benefits are also increasing for surviving spouses to $1,653.07 for basic compensation as there is no more “widows tax.”
Below are additional changes you should be aware of that go into effect once we are officially in 2025.
- VA.gov & other VA mobile apps will require a Login.gov or ID.me account for sign-in after January 31, 2025.
- Be sure to keep an eye out for future rates for DEA. This will be available in August of 2025. These rates apply to tuition from October 1, 2025 to September 20, 2026.
While the 2025 VA benefits increase is important, it’s worth noting that there are also notable cutbacks to pay attention to.
Benefit Cutbacks That Could Occur in 2025
Because Donald Trump is set to become the 47th President of the United States, there are some concerns that his policies and those of his cabinet, primarily those with ties to the controversial Project 2025 agenda, could hinder resources for Vets.
While we won’t know exactly until he’s in office, here are some possible concerns involving VA benefits that Veterans and their families should keep an eye on in 2025 and beyond:
- Despite a massive reception involving the PACT Act, there are proposed cuts that would lower disability ratings, threatening access to healthcare for those who may have been affected by burn pits.
- Funding could be diverted from the VA itself and put towards community-based healthcare options.
- Abortion-related healthcare options could be eliminated altogether.
- Gender-affirming care is also at risk of being eliminated through the VA.
It’s important to keep things in perspective as Trump has continued to keep himself distant from Project 2025, but it’s still an ongoing factor that may affect healthcare options currently available for Veterans and their families.
To learn more about each of the changes above, who they will impact, and how to prepare for their implementation, visit our article on how Project 2025 will impact VA benefits.
Help With Veterans Benefits
Navigating the Veterans Affairs benefits available to those who have served and their families can be a lengthy process, to say the least. Seeking help can help you get the most out of your benefits and avoid misunderstandings down the road.
However, who helps you is an important decision that will affect your journey. Not only do you want someone knowledgeable to help you get the most out of your VA Veterans’ benefits, but you’ll also want to avoid scams.
The unfortunate truth is that many people and organizations take advantage of benefits for Veterans as an opportunity to steal, commit fraud, or take personal information all under the guise of help.
Making matters worse, scams are on the rise. In 2023, Vets and military retirees reported $350 million in losses due to scams.
Many organizations are warning about these increases that are proving popular because of the increase in benefits due to legislation, such as the PACT Act.
The good news is that you can still receive help for navigating Veterans’ benefits.
Here are reputable organizations that are known for helping Veterans find the right benefits, understand their options, and maximize them all with trusted advice every step of the way:
VA
If you need help with VA benefits for Veterans, what better place to start than with the source?You can apply for benefits in many different ways, more on that later; however, working with an Accredited Representative from the VA is one of the best ways to find assistance for understanding your options, how to file, submit claims, etc.
If you wish to find a VA Accredited Representative, you can locate one and manage your relationship with them by logging into your eBenefits account.
Additionally, dealing with the VA means a lot of paperwork, and this can be an overwhelming experience.
Throughout our guide, we provide you with many valuable tools, resources, and references to help you navigate Veteran benefits; however, if you need clarification on the forms, we can help.
You can find a VA form online simply by clicking the link and searching by the form’s name, number, or even using keywords.
COLA Act
One of the hottest topics in the community is the threat of Veteran benefits cut in a way that would hinder resources for Vets.
The COLA Act of 2023 helps ensure that Veteran benefits keep up with the rising cost of living.
Determined by SSA, the legislation provided an increase of 3.2%, affecting clothing allowances, VA DIC, disability, and more.
Typically, the next COLA is announced at the beginning of each Fiscal Year, or around October 1, and goes into effect January 1 of the next year.
Veterans Benefits Administration (VBA)
The VBA is one of three agencies within the VA tasked with leading programs involving Veteran benefits that provide financial compensation to Vets, dependents, and survivors, including the following:
- Compensation Services, such as disability benefits
- Educational programs
- Life Insurance
- Loan Guaranty Services for the VA Guaranteed Home Loan Program
- Outreach, Transition, and Economic Development, which forms partnerships both in and out of the VA to help Vets transition into civilian life.
- Pension and Fiduciary Services, including pensions and Dependency and Indemnity Compensation (DIC) benefits.
- The Office of Administrative Review carries out the guidelines put forth in the Veteran Appeals Improvement and Modernization Act of 2017.
- The Office of Field Operations, which helps organize the operations of VA district offices and 56 regional offices within the United States, Puerto Rico, and the Philippines, among other responsibilities.
- Veteran Readiness & Employment (VR&E) services.
You can contact VBA at 1-800-827-1000 (TTY: 7-1-1) or by locating the closest office to you.
Veterans Health Administration (VHA)
The VHA represents one of the largest healthcare systems in the world and is dedicated to helping 9 million Veterans with their needs.
Featuring more than 1,300 healthcare facilities, the VHA provides primary care, specialized care, and various related services to those who have served and require healthcare.
You can contact the VHA by calling 1-877-222-8387, by finding an office near you, or at 810 Vermont Ave. NW, Washington, DC 20420.
National Cemetery Administration (NCA)
The NCA oversees the VA’s national cemeteries, Soldiers' lots, and monument sites throughout the United States and Puerto Rico.
Over 4 million Americans are laid to rest in these cemeteries. Veteran cemeteries are found stateside, throughout U.S. territories, Guam, Saipan, and tribal trust lands.
There are many different VA Veterans’ burial benefits that include certain allowances and the allocation of commemorative items for those receiving a funeral/burial.
The NCA ensures that these benefits are properly distributed to those who qualify while also maintaining the resting places and memorials of the Veterans who have passed.
You can contact local VA national cemetery offices online or by calling 800-827-1000.Additionally, you can reach the National Cemetery Scheduling Office at 800-535-1117 to plan the burial of a loved one at any open VA national cemetery.
Disabled American Veterans (DAV)
Working with the VA may not be for everyone. Furthermore, you may rely on the VA for a resource, such as determining your Veterans benefits eligibility. Or, you may feel more comfortable filing a claim with a third party.
The experts at Disabled American Veterans are a great resource that offers trusted help to help you navigate benefits and avoid scams in the process.
Available throughout the country, DAV offers Vets help with navigating benefits as well as filing claims and appeals. Best of all, the services are free.
DAV can also help you understand one of the more complex issues some Veterans face: navigating disability benefits.
The experts are available to help determine how to file for service-connected disability compensation and how the VA calculates disability ratings for Veterans.
To receive assistance for your VA benefits, you’ll need to contact DAV and get connected to the closest office near your ZIP code. Find your local DAV office by clicking the link.
American Legion
Since 1919, the American Legion has been committed to helping the military community, including Veterans, for their various needs.
Offering Accredited Service Officers, the American Legion provides free help to Vets to assist with a wide range of needs involving benefits.
The main focus of these Service Officers revolves around helping with disability benefits; however, they are trained to help with providing resources and info on topics that range from education to death benefits and much more.
You can find a Service Officer near you for your specific needs in just a few clicks.
Veterans of Foreign Wars (VFW)
The VFW understands that while there are plenty of Veterans benefits available, understanding them and receiving them at their fullest is not an easy process.
In an effort to help Vets get the most out of their benefits, with a strong focus on healthcare, the VFW also offers Accredited Service Officers to lend a hand to the Veteran community.
To find receive help from a VFW Service Officer, you’ll want to follow these steps:
- Click the link to find the many ways the VFW helps you get the most out of your Veteran benefits.
- From there, you’ll want to click on either “VA Claims & Separation Benefits” or “Mental Wellness” to navigate to the next page. Even if you need educational benefits, if you need assistance with Veterans benefits, click on one of those options.
- Finally, you’ll notice that on the right side of either webpage, there are options to “Find a Service Officer” or “Find a State Contact” which will help you find the assistance you need.
Military Officers Association of America (MOAA)
If you are a member of MOAA, experts are available to help you understand your pay and benefits as a Veteran.
However, receiving one-on-one counseling from a team of highly trained professionals is only available to those with PREMIUM and LIFE membership levels.
Wounded Warrior Project (WWP)
The WWP team is another trusted source for Vets offering free assistance for navigating benefits.
WWP’s team of Accredited National Service Officers is a large part of the process as anyone registering with the organization will provide staff when connecting with the WWP Resource Center.
As needs change over time, the WWP Resource Center remains a valuable part of your team. They can connect you with the right path and resources necessary to get the most out of your benefits.
Veterans Benefits Guide (VBG)
In 2015, former U.S. Marine Josh Smith founded VBG after working as a Rater for the VA to determine disability for Vets.
Like others, he found that there were issues with the VA and wanted to help make the process of processing disability claims easier for Veterans, leading to the creation of VBG.
While this is a noble endeavor, there are a few things Veterans should know about VBG:
- Unlike the resources above, VBG is not accredited.
- It’s against the law to pursue a claim for your Veterans’ benefits using someone who is not authorized by the VA.
- VBG charges you if you receive a favorable decision from the VA.
By many accounts, VBG helps thousands of Veterans and we are in no way saying that the operations of VBG are illegal. However, before using their services, further research is highly advised.
Again, the VA always recommends using an accredited professional for your benefits, so regardless of any potential loopholes for VBG, there are risks involved.
It is important to exercise extreme caution to avoid any mishaps that may affect your benefits as unaccredited parties continue to push in the VA benefit space as an opportunity to generate business.
How to Apply for Veterans Benefits
To apply for Veterans benefits is a simple idea too often convoluted by the process itself. You simply need to make contact with the VA and provide the necessary information to prove that you’re eligible.
However, this process does take on many different shapes and forms depending on the benefits you are applying for. Here’s what to consider when applying for Veterans benefits broken down by the type of benefits you’re seeking:
Applying for VA Healthcare
When applying for Veterans’ benefits regarding healthcare, you have a few options:
- Call the VA healthcare number at 877-222-8387 to speak with a representative any time between 8:00 am and 8:00 pm ET Monday through Friday.
- You can also fill out and mail VA Form 10-10EZ to Health Eligibility Center PO Box 5207 Janesville, WI 53547-5207. This is the same form you use for VA dental benefits.
- If you’d like to bring your VA Form 10-10EZ in person, simply find your nearest VA medical center or clinic to deliver it in hand.
- As mentioned above, you can have a professional handle it. Just make sure they are an expert from a trusted resource to avoid problems, including scams.
Applying to the Veteran Readiness and Employment (VR&E) Program
If you need to file for the VR&E program, online is the recommended option. However, Veterans can complete a VA Form 28-1900 and mail it or go in person to turn it in at their local regional office.
Applying for Disabled Veterans Benefits
Veterans in need of disability benefits can file online to apply. Mailing a completed VA Form 21-526EZ to the U.S. Department of Veterans Affairs Claims Intake Center PO Box 4444 Janesville, WI 53547-4444.Alternatively, you can fax the form to (844) 531-7818 if you’re stateside or (248) 524-4260 if you’re outside of the United States.
Of course, if you want to turn in the form in person, you can take a trip to your local regional office as well. For a more in-depth look at how to apply for VA disability, click the link to read our guide.
How to Apply for VA Long-Term Benefits
If you are eligible for benefits, you’ll need to contact your VA social worker to discuss your options. Be sure to be a part of the VA healthcare program before doing so. You can also contact the VA healthcare hotline for more information.
Applying for VA Dependency and Indemnity Compensation (VA DIC) Benefits
Families who need to apply for VA DIC benefits have many different forms depending on the benefits they need to receive. Here’s how to apply and the forms you’ll need:
- If you are applying for DIC, Death Pension, and/or Accrued Benefits by a Surviving Spouse or Child, submit a completed VA Form 21P-534a with the help of your Military Casualty Assistance Officer, who will mail it to the appropriate regional VA office.
- Families who need to apply for DIC, Death Pension, and/or Accrued Benefits can fill out a VA Form 21P-534EZ.
- Surviving parents can apply by filling out an Application for Dependency and Indemnity Compensation by Parent(s), also known as VA Form 21P-535.
If you need to apply for VA DIC benefits, you can either mail your form to your state’s Pension Management Center (PMC), visit a regional office, or work with a trusted representative.
Applying for Veterans Pension and Survivors Benefits
To apply for Veterans pension or survivor benefits, you can do so online for the easiest method. Mailing VA Form 21-534EZ to your state’s PMC is another viable option.
Alternatively, survivors have three different methods for applying for benefits:
- Send your VA Form 21P-527EZ by mail to the PMC.
- Bring the form to apply in person at your local VA regional office.
- Help from a trained professional.
Submitting a VA Intent to File Form
By law, when you are applying for VA Survivors Pension benefits, DIC, or accrued benefits, you must submit evidence to the VA proving you are eligible. Because of this, submitting an Intent to File form beforehand can be beneficial.
By submitting a VA Intent to File, you gain time for gathering the evidence you’ll need giving you an earlier effective date. You may even get retroactive payments by submitting the form.
If you wish to notify the VA, call them at 800-827-1000 or complete VA Form 21-0966. Mail it to the Department of Veterans Affairs Claims Intake Center PO Box 4444 Janesville, WI 53547-4444.
Alternatively, you can bring your VA Form 21-0966 to your VA regional office or have an Accredited Representative assist you.
Applying for a Discharge Upgrade
There are certain situations in which you may need to upgrade your discharge status in order to receive Veterans’ benefits. This is possible on a case-by-case basis but you need to apply.
The way it works is Veterans will need to answer confidential questions and provide the information to the VA who will begin the process to determine whether or not an upgrade is appropriate.
If you are a Veteran who was discharged due to mental health conditions, military sexual trauma (MST), or your sexual orientation due to the Don’t Ask, Don’t Tell policy, it’s likely you’ll receive an upgrade.
Even if you have a less-than-honorable discharge, the review can determine that it was honorable for VA purposes and provide you with some benefits as a result.
Keep in mind that you can ask for a VA Character of Discharge review while also looking to apply for a discharge upgrade from the DoD or the Coast Guard.
You can also apply for an upgrade if you don’t succeed the first time, though following a slightly different method.
Those with multiple discharges can use an honorable one to help plead their case for VA benefits if their other discharge requires an upgrade, though service-connected disability compensation is only available for disabilities that occurred during the period of honorable service.
For Veterans who never received a DD214 but separated with an honorable discharge, you can apply and explain that you never received your paperwork.
To apply for a discharge upgrade, simply click the link. You’ll find plenty of instructions pertaining to your specific situation. Once you have the right process to follow, click “Get Started” and begin filling out your information.
Applying for the VA Aid and Attendance Benefits and Housebound Allowance
If you qualify for VA Aid and Attendance or Housebound benefits, fill out the VA Form 21-2680 and mail it to your state’s PMC or go to your VA regional office in person. Your doctor can help you fill out the examination section.
In addition to the VA Form 21-2680, you can provide the details about your daily activities, how you get around, a doctor’s report showing your need for aid or housebound care, information about how your disability affects activities of daily living (ADLs), etc.
If you live in a nursing home, your application must also include the VA Form 21-0779.
Applying for Education Benefits for Veterans
The best way to apply for Veterans’ education benefits is simply following the steps online.
However, if you wish to proceed by mail, you can request an application from 8:00 a.m. until 7:00 p.m. ET Monday through Friday, by calling the Education Call Center at 888-442-4551, or TTY: 711 if you are hard of hearing.
Once you receive the application, fill it out and send it through the mail to the VA regional claims processing office near the school you’re attending.
Alternatively, you can go to a VA regional office near you in person and have an employee help you fill out the form. You can also work with the certifying official at your school, typically found in your school’s Registrar or Financial Aid office.
Finally, like many Veteran benefits, you can always use the help of a professional when applying.
How to Apply for the Fry Scholarship
If you qualify for the Fry Scholarship, applying is simple:
- Find the school you wish to attend. You can use the GI Bill Comparison Tool for help. Be sure to contact an official at your school to double-check that your program is approved for Veteran benefits.
- Apply for your benefits online or send a completed VA Form 22-5490 to the VA regional office near the school you wish to attend. If you aren’t an adult, make sure a parent or guardian signs the application.
- For those who are applying but have already begun their education, you’ll need to have a certifying school official or employer fill out VA Form 22-1999 found in the VA’s Enrollment Manager system.
- Select the Fry Scholarship as in most situations, you can’t qualify for both the scholarship and VA DEA benefits, though some exceptions apply, as discussed below.
Note: when you choose between the Fry Scholarship and DEA benefits you can’t change your mind later. Be sure to conduct due diligence based on your needs before making a decision.
How to Apply to the Post-Vietnam Era Veterans’ Educational Assistance Program (VEAP)
Those qualifying for VEAP benefits can call the Education Call Center, or visit their closest VA regional office for assistance when applying.
To submit your application, you can fill out and submit VA Form 22-1990 through the mail, in person, or online, as you would for the GI Bill.
Additional items may be needed on a case-by-case basis. Be sure to verify your enrollment with the VA. After a review, the VA will let you know what else is needed to apply for benefits.
How to Apply to the National Call to Service Program
If you qualify for educational benefits through the National Call to Service Program, you’ll need to apply through the mail.
Fill out VA Form 22-1990n and mail it to the VA regional processing office near the school you’ve chosen, or if you have yet to choose your school, you’ll want to mail it to the office near your home. Addresses are on the form.
Applying for Home Loans
If you are a Veteran or a service member, you can apply for a VA home loan Certificate of Eligibility (COE) by using eBenefits; however, you must also apply through your lender for a home loan COE.
To apply by mail, fill out VA Form 26-1880 and mail it to your regional loan center, which can be found on the last page of the form. Your real estate agent can help you take advantage of the Veteran benefit.
Survivors who are eligible can also mail their application by filling out a completed VA Form 26-1817 to their regional loan center or by calling 1-877-827-3702.
Again, leaning on your real estate agent here will help you along the way.
Applying for Veteran Life Insurance Benefits
How you apply for Veteran life insurance benefits is going to depend on the type of policy you’re looking to enroll in. Some don’t require enrollment while others do and each has its own process. Here’s how it all works:
Servicemembers' Group Life Insurance (SGLI)
You don’t have to apply for SGLI coverage as it’s automatic; however, if you want to designate beneficiaries or adjust your coverage, you’ll need to either use the SGLI Online Enrollment System (SOES) or form SGLV 8286.
You can determine which method is appropriate for your coverage by visiting this website.
Veterans' Group Life Insurance (VGLI)
If you need to apply for VGLI coverage, visit your eBenefits account or download and fill out the SGLV 8714 form and mail it to the following:
OSGLIPO Box 41618
Philadelphia, PA 19176-9913
Family Servicemembers' Group Life Insurance (FSGLI)
Similar to SGLI coverage, if you want to alter your FSGLI coverage, you either need to use a form (SGLV 8286A) or the SOES. You can determine your best option by visiting this website.
Servicemembers' Group Life Insurance Traumatic Injury Protection Program (TSGLI)
While TSGLI is automatic coverage for service members covered by SGLI, if you need to file a claim, be sure to download, fill out, and submit an SGLV 8600 form.
Veterans Affairs Life Insurance (VALife)
If you are a Veteran who has a disability connected to serving in the U.S. military, you may qualify for coverage through VALife. When you apply for VALife online, you’ll be able to see if you qualify.
Note: you’ll need to pay your first premium payment at the time of applying for coverage.
Veterans' Mortgage Life Insurance (VMLI)
Applying for VMLI coverage means submitting a completed VA Form 29-8636 to your Specially Adapted Housing Agent. You must provide the necessary details of your current mortgage when applying. Your agent can help.
How to File a Life Insurance Claim
As you can see, there are many different forms of VA life insurance coverage available. Because of this, each policy is going to have its own method of filing for death benefits, forms you’ll need to fill out, places to contact, etc.
Feels like a lot? Not to worry, you don’t have to feel overwhelmed, as the VA has a dedicated page on filing a life insurance claim that provides you with everything you’ll need all in one place, including:
- The webpage shows you which filing method to use for each policy and how to send your information to the VA.
- All of the forms you’ll need are available with just a few clicks of a button.
- Contact information, such as phone numbers, addresses, offices, etc., are all laid out for your claim.
- Additional resources, including videos, to help along the way.
New Veterans Benefits 2024
Here at VeteranLife, we pride ourselves on being an accurate, current resource for the Vet community.
The nature of benefits for Veterans continues to evolve over time, and we are following new developments to help our nation’s heroes and their loved ones stay informed and find the right resources.
Additionally, the Veterans Benefits Administration News is a great place to learn more about new developments as they unfold.
Below are some of the more recent initiatives and legislation that are affecting new Veterans’ benefits in 2024 along with helping some Vets receive greater access to benefits already in place:
H.R. 2811 Veterans Benefits
There were plenty of political disagreements and fear around cutting Veterans' benefits when the bill was passed. Aiming to cut costs for the government, H.R. 2811 caused quite a stir at the beginning of 2024.For now, it seems that the VA was able to avoid cuts, and the military community was helped further by an increase in the debt limit which kept the government from shutting down through March 2024.
Veterans Compensation Cost-of-Living Adjustment (COLA) Act of 2023
One of the hottest topics in the community is the threat of Veteran benefits cut in a way that would hinder resources for Vets.
The COLA Act of 2023 helps ensure that Veteran benefits keep up with the rising cost of living.
Determined by SSA, the legislation provided an increase of 3.2%, affecting clothing allowances, VA DIC, disability, and more.
Typically, the next COLA is announced at the beginning of each Fiscal Year, or around October 1, and goes into effect January 1 of the next year.
2024 Agency Equity Action Plan
The 2024 Agency Equity Action Plan is helping provide more Veteran benefits to those who earned them by focusing on equality among underserved communities.
This latest initiative is an update to what has been an ongoing effort from the VA under the Biden administration's equity agenda, which has seen gains in helping Veterans that are in marginalized populations, including women, Black Vets, American Indian and Alaska Native Veterans, and LGBTQ+ Veterans.
The initiative in conjunction with the PACT Act is making all of this possible, including the creation of the VBA Equity Assurance Office and Equity Assurance Plan as well as programs to help Black Veterans receive better assistance when transitioning out of the service.
PACT Act Benefits
The PACT Act was a bill signed into law that increased compensation benefits for Veterans in August 2022.Overall, PACT Act benefits for Veterans focus on helping those exposed to toxins when serving understand and receive the care and extra benefits they deserve.
Millions of Veterans gain better access to benefits thanks to the law and no longer have to prove their service-related connection to 23 different illnesses in which care is necessary.
To learn more about how Vets are covered, check out our guide to the PACT Act for a more in-depth look.
Related read: The Ongoing Fight for PACT Act Benefits
Social Security Benefits for Veterans
Many within the military community wonder about “extra” Social Security benefits for Veterans and how it affects other forms of compensation.
The Social Security benefit for Veterans doesn’t affect your military pension and vice versa. You'll receive your full Social Security benefit based on your earnings.
However, Veterans and Social Security benefits may be affected when it comes to compensation for survivors.
Your survivors' benefits could affect optional Department of Defense Survivors Benefit Plan payouts, and it’s important to speak with DoD or your Military Retirement Advisor for details.
If you have health coverage from the VA, TRICARE, or Civilian Health and Medical Program (CHAMPVA), your benefits may change with your Medicare eligibility, but again, because this varies from person to person, be sure to contact the VA, DoD, or your Military Health Advisor.
Vets who served from 1940 to 1956, including service academy attendance, without paying Social Security taxes, special earnings credits may qualify for Social Security and Medicare benefits or boost their Social Security payout.
These credits are added when you apply for Social Security benefits and are earnings of $160 per month if you meet at least one of the following:
- You received an honorable discharge after 90+ days of service but suffered a disability or injury while in the line of duty leading to your release from the military.
- Are still an active duty military member.
- You are a survivor applying for benefits because a Veteran passed away while on active duty.
- Are unable to receive credit for your special earnings if you already receive a federal benefit based on the same years of military service. However, there is an exception for those who were on active duty after 1956. Special earnings for 1951 through 1956 are available based on your service in that timeframe, even if you receive military retirement benefits.
Social Security Benefits for Disabled Veterans
There are two programs offering Social Security benefits for disabled Veterans. Here’s how they break down:
- Social Security Disability Insurance (SSDI) - a program that is available to workers and qualifying family members who have worked the required hours to qualify for benefits. This varies by age.
- Supplemental Security Income (SSI) - a program available to those 65 years of age and older and for anyone who is blind or has a disability. However, SSI is only available to those who are below the required financial limits. You can check your SSI eligibility online.
Keep in mind that while both the VA and SSA provide disability benefits for Veterans, the qualifying criteria, processes, and overall programs are different for each:
Criteria for Disability VA SSDI
Injury or illness caused by serving in the U.S. military Yes No
Impairment must stop the ability for substantial gainful employment when applying No Yes
The disability must last 12 months, be expected to, or result in death No Yes
Age/education/work histories affect eligibility No Yes
Benefit amount and eligibility are not affected by SSDI or VA disability benefits
Partial payments depending on the severity of your disability No Yes
All-or-nothing benefit payment No Yes
Social Security Benefits for Veterans With PTSD
If you have PTSD, you are covered by the Americans with Disabilities Act of 1990 (ADA). You also qualify for disability benefits.
The VA rates PTSD at 0%, 10%, 30%, 50%, 70%, or 100%. You don't need to have each symptom to qualify for your rating level. Always be truthful during your examination.
Below is a breakdown of each disability rating for PTSD:
Third-Party Organizations and Additional Government Resources
Utilizing the VA for your benefits is a must but there are several other government agencies and resources that can help Veterans receive assistance for their many needs.
One of the most important things to remember is that if you have Veteran benefits, you may still be eligible for other programs and they may not affect what you receive from the VA.
Each program and state has different criteria, but while not everyone will qualify, many Vets in need still can. Here are some important resources you won’t want to forget about while getting the most out of your benefits:
Supplemental Nutrition Assistance Program (SNAP)
SNAP benefits help families put food on their tables by issuing an electronic benefit transfer (EBT) card that works similarly to a debit card and can be used to purchase nutritious meals.
You can use SNAP at a number of stores and even at farmers’ markets where available. The key here is eligibility, which will come down to your income level. Combat pay is not counted as your income.
You can apply for SNAP benefits online by clicking the link and choosing the state you live in. To learn more about Veteran food stamps, be sure to click the link and check out our guide.
Related read: Can Veterans Get Food Stamps? Not as Many That Should
The Special Supplemental Nutrition Program for Women, Infants and Children (WIC)
WIC provides funding to women, infants, and children under the age of five who are at risk of lacking access to nutritional food.
To be eligible for WIC, you’re going to need to meet the criteria in your state and it’s worth noting that Veterans may qualify for additional benefits and services.
Contact your state or local WIC agency or go online to your state's website if you would like to set up an appointment. You can also set up an appointment by calling your WIC State office’s toll-free number.
School Breakfast and National School Lunch Programs (SFSP)
SFSP helps kids get healthy breakfast and/or lunch at a variety of local hubs once school takes a break during the summer months. You can find sites near you by using the online Summer Meal Site Finder tool, texting “Summer Meals” to 914-342-7744, or calling 1-866-348-6479.
Food Distribution Program on Indian Reservations (FDPIR)
Another great resource for Veterans is the FDPIR which delivers USDA Foods to those on Indian reservations and living in Native American households in certain areas.
To determine whether or not you meet the income requirements or to see if your area is participating in the program, use the online tool. States that are dark gray are not a part of FDPIR.
United States Department of Agriculture (USDA)
Beyond the initiatives by the USDA to provide Vets and their families with nutritious meals, other programs are aiming to help the military community.
Keeping Americans fed takes a lot of work and it's a role the USDA knows all too well.
To keep the supply chain running means keeping trained, capable manpower available and the USDA helps Vets find careers working within the agricultural industry.
The Military Veterans Agricultural Liaison (MVAL) bolsters rural communities by helping Vets jumpstart agricultural ventures in a number of ways.
This includes finding employment for Vets and their spouses to gain employment in the USDA, paid apprenticeship opportunities, hands-on training experiences, financial assistance programs, and non-profit internships.
There are a lot of different options that vary from region to region. To learn more about the opportunities that best suit you and your family, contact the USDA by sending an email to veterans@usda.gov.
United States Department of Housing and Urban Development (HUD)
Veteran homeless programs are available through the HUD-Veterans Affairs Supportive Housing (HUD-VASH) initiative which is a collaboration between HUD and the VA.HUD-VASH provides Vets with both HUD’s Housing Choice Voucher (HCV) rental assistance for homeless Vets and the VA’s case management and clinical services.
Some of the facilities offering HUD-VASH are VA healthcare centers; however, community-based outreach clinics (CBOCs), are also available in certain areas to lend a hand.
Related read:Homeless Veterans on the Rise in 2024, VA Ramps Up Housing Efforts
United States Department of Health and Human Services (HHS)
The HHS aims to improve the health and welfare of all Americans through effective health and human services while advancing medical, public health, and social sciences.
When it comes to the military community, these initiatives become abundantly clear with many different programs and resources available.
HHS assists in employment, health, mental health, substance abuse, and child and family services for Veterans. Through its various divisions, HHS offers tailored resources and programs to support military families.
Simply put, there is a lot going on. HHS has assistance helping Vets find jobs, receive healthcare, deal with substance abuse and mental health issues, and dedicated resources for children and families.
If you want to learn more about what HHS has to offer Veterans and how to take advantage of these benefits, be sure to check out their resource guide on how the HHS supports military families.
VA Veterans Disability Benefits
Certain disabilities with service-connected conditions can provide Veterans with a variety of benefits, depending on the nature of the disability and its severity. There are resources, compensation, and processes Veterans should be aware of.
Benefits for Disabled Veterans
Just because you have a disability or condition, doesn’t mean you’re eligible for benefits; however, if you have one of the following, the VA may provide benefits if you are found to be eligible based on one of the following:
- Anxiety and depression
- Breathing issues due to a current lung condition or lung disease
- Cancers along with other conditions caused by contacting toxic chemicals or other dangers
- Chronic back pain causing a back disability that has been currently diagnosed
- Hearing loss deemed severe
- Loss of range of motion
- Mental/physical health conditions due to military sexual trauma (MST)
- PTSD
- Scar tissue
- Traumatic brain injury (TBI)
- Ulcers
Military Base Toxic Exposure Veterans Disability Benefits
The specific benefits available to Vets for toxic exposure continue to grow over the years. Depending on the chemical hazards or other hazardous materials you may have come in contact with while serving, compensation for your conditions/illnesses is available due to the VA classifying them as presumptive conditions:
- Agent Orange
- Asbestos
- Birth Defects
- Burn Pits/Specific Environmental Hazards
- Contact With Mustard Gas or Lewisite
- Contaminated Drinking Water at Camp Lejeune
- Exposure to Radiation
- Gulf War Illnesses in Afghanistan and/or Southwest Asia
- Project 112 or Project SHAD
To learn more about the specifics of each benefit and the eligibility for them, you can visit the VA online.
Related read: Camp Lejeune Lawsuit Payout Per Person Amounts Released for Some
Eligibility for VA Disability Benefits
Thanks to the PACT Act, VA disability benefits have expanded over recent years to help more Vets gain access to the healthcare and resources they deserve. In order to qualify for VA disability compensation, you must meet the following criteria:
- Your mind or body is affected by a current condition.
- You served either on active duty, active duty for training, or inactive duty training in the U.S. military.
- While there are exceptions and ways to apply for an upgrade, generally, you must also separate from your service with an honorable discharge.
Additionally, anyone who meets these requirements must also have one of the following apply to receive VA disability benefits:
- While serving, you became sick or injured and it’s linked to a service-related condition.
- You already had an illness/injury before enlisting but serving made the condition worse.
- You discover a disability related to your active-duty service after you’ve finished service.
Remember, there are also presumptive conditions that you are automatically assumed to have been affected by simply by serving in certain capacities. This includes the following categories:
- Have a chronic illness that appears after being discharged within a year.
- You develop an illness because of toxic chemicals or other hazardous materials.
- You contract an illness during your time as a POW.
Understanding the VA Disability Percentage Table
The amount you receive for your disability compensation will vary based on how disabled you are. Rates range between 0% and 100% in 10% increments. Additionally, the following factors will affect how much compensation you receive:
- If you are a Veteran who has very severe disabilities or loss of limb(s).
- If you have a spouse, child(ren), or parents who are qualified as your dependent(s).
- You are eligible and have a seriously disabled spouse.
- Cost-of-living adjustments (COLA) also affect compensation year-to-year as the VA adjusts for inflation and will affect your benefits.
To gain a greater understanding of the VA disability compensation rates, click the link to read our annual guide.
PTSD Veterans Benefits
Not all of the health factors Veterans have to face are inherently physical. Over the last few decades, an expanded focus on mental health resources has been a priority for the VA, including benefits and assistance for PTSD.
Veterans may be eligible for PTSD benefits, which can provide tax-free monthly compensation, connections to mental health professionals, and other forms of assistance.
For immediate help, Veterans in crisis, or if you are concerned about someone who may be, the 988 Veterans Crisis Line is available or you can text 838255 or call TTY at 800-799-4889.
Your local emergency room, VA medical center, and 911 are also available, even if you don’t have a discharge status or healthcare from the VA.
Determining Eligibility for PTSD VA Benefits
To be eligible for PTSD benefits from the VA, you’re going to have to have suffered a stressor while serving in the military and have a doctor diagnose you with PTSD.
Keep in mind that in order to receive some benefits, such as VA healthcare, you’re going to need to apply for a disability rating.
Traumatic events must also meet the right criteria for the VA to consider them. The following apply:
- Serious injury
- Personal trauma
- Sexual trauma or violation
- You were threatened by someone/something with death, injury, or sexual assault.
If you meet these eligibility criteria, you’ll need to file for VA disability benefits. Throughout the process, your PTSD will be the focus of qualifying for compensation.
You’ll need to submit additional forms to the VA depending on your PTSD, including "A Statement in Support of Claim for Service Connection for PTSD" (VA Form 21-0781) or "A Statement in Support of Claim for Service Connection for PTSD Secondary to Personal Assault" (VA Form 21-0781a).Time is not a factor and if you haven’t filed for PTSD Veteran benefits but may qualify, even if it has been decades, Vets are encouraged to reach out.Finding treatment is a separate matter as the VA will not provide you with treatment unless otherwise noted while determining your eligibility.
If you wish to receive PTSD health services, you’ll need to apply for VA healthcare first.Once you apply, speak to your VA primary care provider about your concerns. Your primary care provider will help you gain access to resources and can offer treatment for your symptoms.
What Benefit Services Are Available for Veterans With PTSD?
The benefits for Veterans with PTSD are extensive with the VA offering just under 200 treatment programs throughout the United States. Here’s what they offer Vets:
- Mental health assessments/testing to diagnose your PTSD in a 1-to-1 setting.
- Medicine for PTSD that is scientifically proven to work as a treatment.
- 1-to-1 psychotherapy (talk therapy) is available as treatment, including Cognitive Processing Therapy (CPT).
- 1-to-1 therapy for families. Group therapy is also available for those with special needs, including anger management and combat support.
- Specialized group therapy for Veterans based on particular combat zones or traumas is also available at 300 community VA centers.
Additionally, some facilities also offer Veterans additional benefits, which include:
- Access to PTSD specialists for regular outpatient care is available at VA medical centers.
- Special residential (live-in) or inpatient care programs—found in each region of the U.S.—help Veterans with severe PTSD symptoms who have trouble doing normal daily activities (like going to work).
- Providers offer added PTSD care in some of our large community-based outpatient clinics.
- Telemental healthcare is available for those who can’t reach a VA medical center or clinic due to proximity.
In addition to the benefits and resources above, the VA also offers a National Center for PTSD. This facility is a leading authority on PTSD treatment as well as research and education to better treat symptoms in the future.
To learn more about accessing the facility, be sure to check out our guide on how to use the National Center for PTSD.
For additional benefits and resources, Veterans should be aware of and refer to the following:
- PTSD benefits are available for homeless Vets, who can contact the National Call Center for Homeless Veterans at 877-424-3838 to learn more.
- The VA’s “Understanding PTSD and PTSD Treatment” booklet is a valuable resource for anyone looking to learn more about the disorder and their options.
- VA expert-recommended self-help resources are available online.
- You can also reach out to a VA PTSD Coach online for help.
Title 38 Veterans Benefits Claim
Suing the military in any capacity is a difficult, often impossible task, however, there are options for those who have suffered due to healthcare at the VA.
Title 38 of the United States Code provides the framework for Veterans to file an 1151 claim under certain conditions when receiving VA healthcare or while participating in a VA employment program.
Veterans’ benefits are available for those who have either suffered a new disability or had an existing disability get worse due to at least one of the following:
- Carelessness or negligence from the VA.
- You received healthcare treatment, including surgery, or a health exam from the VA.
- You took part in a VA vocational rehabilitation course or VA compensated work therapy (CWT) program.
To be successful in your claim, you’ll need to show proof that your disability occurred because of one of the items listed above.
If you successfully file a claim, you won’t have a change in your disability rating; however, your monthly compensation payment will change.
You can file your claim online now, over the phone, in person, or by mail.
U.S. Army Biological and Chemical Testing Healthcare
Veterans who volunteered for testing involving chemical and biological programs can receive healthcare through the U.S. Army. This healthcare is directed at as many as 60,000 Veterans who volunteered between 1942 and 1975.
If you have an injury/illness that was caused by participating in these programs, you have options. To learn more, contact the Army at 800-984-8523.
Veterans Benefits Banking Program (VBBP)
Veterans, beneficiaries, and caregivers all have access to a benefit for banking that can help them better handle their finances in an evolving world.
Since December 20, 2019, the VBBP has been a collaboration between the VA and the Association of Military Banks of America (AMBA) available to those who qualify at participating banks and credit unions.
Qualified users can open accounts. They receive not only options for banking but also enhanced financial resources focused on education to improve the knowledge of Vets and promote greater literacy and freedom as a result.
You can receive Veterans benefits using direct deposit. Overall, the VBBP can help protect against Veteran fraud.
Additionally, some products and services available through the VBBP are exclusive. If you aren’t enrolled, you won’t have access to them.If you’re interested in setting up your direct deposit, the VA can help. Simply call them at 1-800-827-1000, or create an account to enroll online.
Veterans Benefits Letter
Veterans benefit letters (VA award letters) detail your service dates, disability rating, and your status of discharge. These letters are necessary for Vets to receive certain benefits.
In order to receive your VA Benefits Summary Letter, you’re going to need to have an account and log into https://www.va.gov/. Be sure to have the latest version of Adobe Acrobat Reader and you can download VA letters online.
Veterans Benefits by State and U.S. Territory
While there are many Federal options and benefits for Veterans from organizations, each state and U.S. territory offers its form of benefits and perks.
State benefits for Veterans may include tax exemptions, financial assistance, free recreational licenses, license plates, and more.
It’s important to check into state Veterans benefits available near you to better understand what your options are.
For example, Chapter 115 Veterans’ benefits in Massachusetts cover a wide range of expenses for families who qualify. Some states offer cash benefits simply for serving.
From state benefits for disabled Veterans to saving on education and much more, you’ll want to get in touch with your state’s Veterans Commission.
Each state government has its own Veterans Commission that aims to help Vets by advocating for their needs as well as providing help and resources for getting the most out of their benefits.
Veterans Burial Benefits
When Veterans are laid to rest, a proper send-off is necessary and to help lift some of the burdens from grieving families, Veterans' burial benefits are available to handle the cost of the funeral, provide mementos, and more.
While the information below is a small summary of the Veterans’ death benefits available for service and non-service-related burials, there is a lot more to cover that will likely pertain to you or a loved one’s celebration of life.
For a more in-depth look at VA burial benefits, be sure to check out our guide. There you’ll find the Veterans' spouse burial benefits, eligibility requirements, the forms you need, how to apply, tips, and more.
Related read:How To Use VA Bereavement Counseling if You’ve Lost a Loved One
Service-Related Burial Benefits for Veterans
If a Veteran is receiving a service-related burial, the VA provides benefits for burials, plots, or internments at a flat rate allowance.
Veterans’ funeral benefits for those being buried in a VA national cemetery may also include transport costs.
The most eligible surviving spouses receive automatic payment of the death benefits for Veterans’ and while these funds can help with funeral costs, they may not cover everything.
Non-Service-Related Burial Benefits for Veterans
For Veterans who have passed for non-service-related reasons, the VA provides burial benefits at a different rate. Veterans’ death benefits will still help with burial and funeral expenses and plot-internment.
Veterans Spouse and Dependent Benefits
VA benefits for the spouses of Veterans as well as dependents encompass a wide range of resources. Both dependent children and parents can also benefit from these resources.
You’ll note that the benefits for spouses and dependents of Veterans include healthcare, education, housing, pension, career counseling, job training, burial benefits, grief counseling, and more.
To fully understand VA family member benefits, you can explore their webpage along with the highlighted benefits we discuss throughout this guide.
Deceased Veterans Benefits for Grandchildren
If you are a grandchild of a Veteran who has passed away, you may be eligible for benefits; however, you’ll need to meet certain criteria in order to qualify.
Everyone is going to have a different scenario; however, many Veterans’ dependents' benefits involving grandchildren are going to fall into one of the following categories:
- Education - If you are going to college or receiving some sort of training/education after high school, scholarships and financial aid may be available. Your best bet is to work with your regional VA office and the institution you are attending to understand your options better. State resources dealing with Veterans may also be able to help.
- Life Insurance - Many grandchildren may be beneficiaries under a VA life insurance policy. You can learn more about how to file in the section near the top of the page to receive your death benefit.
- Pensions and Survivor Benefits - An especially tricky area to navigate, benefits for grandchildren of Veterans may be available through pension funds and survivor benefits. The VBA is likely the best place to reach out to for assistance.
Regardless of the benefits grandchildren may or may not receive eligibility is going to heavily depend on whether or not they are a dependent of their qualifying Veteran grandparent in order to receive compensation.
Family structures look differently from home to home but you will need to prove that any grandchildren receiving benefits are a dependent to qualify.
One notable exception listed above is life insurance death benefits, which only require the person receiving the benefits to be the beneficiary as declared by the Veteran within their policy.
Veterans Education Benefits
Educational benefits for Veterans can help you and your family pay for the rising costs of going to school.
While most understand this includes college tuition, Veteran education benefits include a lot more, including:
- Covering other educational and training programs approved by the VA.
- Assistance finding the right school or program for your needs.
- Career counseling resources are also available.
- Some travel and living expenses may also be covered, depending on personal factors.
- Alternative program options may also be available for Veterans who do not qualify for Post-9/11 GI Bill benefits.
The benefits you have access to will depend on eligibility factors similar to other forms of VA compensation; however, when you served is going to be a notably important factor here.
Below is a breakdown of the many different types of benefits Veterans receive to help them with their educational pursuits:
Veterans Education Benefits for Spouses and Dependents
There are education benefits for surviving spouses and dependents; however, you’ll need to make decisions as to what is best for your needs and which benefits you qualify for.
Known as the Survivors’ and Dependents’ Education Assistance (DEA), those who qualify can also receive the Fry Scholarship, but remember, you can’t have both at the same time. You also can’t switch once you pick.
There is an exception to qualify and use both if you are a child who suffered the loss of a service member who passed away before August 1, 2011, in the line of duty. In this case, you can use both, though not at the same time, for a total of 81 months of training/education.
On top of working with the VA or an Accredited Representative, your school or program is going to have resources available to help you weigh your options, understand how they help you, and make an informed decision.
Below, explore our guide on the many different Veteran education benefits for spouses and dependents to help you get started:
Chapter 35 Veterans Benefits
Also known as Veterans DEA benefits, Chapter 35 helps provide education to children and surviving spouses of Vets and service members who either have a disability, have died, or are either captured or missing.
To qualify, one of the following must be true and apply to the Veteran or service member:
- They are permanently, totally disabled due to service.
- Died in the line of duty.
- They died due to a service-connected disability.
- They went missing in action or were captured in the line of duty over 90 days by hostile forces.
- Were subject to forcible detention or interned by a foreign entity for over 90 days while in the line of duty.
- They are hospitalized or receiving outpatient treatment due to a service-connected permanent, total disability that will likely result in being discharged from the military.
In addition to the qualifications by Veterans and service members, if you are a surviving spouse or dependent, you must also meet one of the following criteria to qualify:
- You are at least 18 years old.
- Alternatively, you can be under 18 years old, but you must have finished either high school or secondary education.
Children who qualify for DEA benefits do not have their eligibility influenced by their marital status.
Those who qualify for monthly payments through Chapter 35 benefits can use them for college, including graduate degrees.
These benefits are also available for apprenticeships, certificate courses in career training, on-the-job training, and career/educational counseling.
For those enrolling in non-college degree programs, be sure to verify your enrollment monthly in order to receive payments. You can do this online, through the mail, or over the phone. Click the link to get started.
If you are enrolled in a college degree program, you won’t have to verify your benefits monthly.
To determine how much you’ll receive and which school accepts your benefits, you can find DEA payment rates online and the GI Bill Comparison Tool to find approved schools and training centers.
Finally, if you qualify for both DEA and DIC benefits, you must be a child of a qualifying Veteran or service member to receive both. You also can’t be over 18 years of age to receive DIC when using DEA benefits.Spouses, however, can use both DIC and DEA payments.
DEA Benefit Time Limits
If you are eligible for DEA benefits, there are time limits on when you can use the compensation for your education. There are exceptions but you must meet certain criteria to qualify. Here’s how it works:
- If you are using DEA benefits to cover the cost of education for school or training that began before August 1, 2018, your benefits may be available for as much as 45 months; however, if you began school or training on or after August 1, 2018, you only have a maximum of 36 months.
- You are a spouse or child using DEA benefits, you don’t have age or time limits so long as the Veteran or service member who qualified for them did so on or after August 1, 2023, you turned 18 years old on or after the same date, or you finished your high school or secondary education on or after this date as well.
- If you are a spouse or child who either had a Veteran/service member qualify for DEA benefits before August 1, 2023, you turned 18 years old before the same date or finished high school before the same date. Under these criteria, you can access your benefits at the age of 18 for 8 years in most cases. You also can’t use these benefits while on active duty in the military or after the military if you receive a dishonorable discharge, however, you receive an extension for availability, typically until you’re 31.
- Spouses can use DEA benefits within 10 years and they become available based on the VA’s determination or when the Veteran or service member dies. You can receive benefits for 20 years if the service member dies on active duty.
- Suppose you’re a spouse and qualify for benefits from a permanently and totally disabled Veteran, who has an effective date within 3 years after being discharged from active duty. In that case, you have 20 years of access. Some exceptions apply and these benefits can’t be used while in the military or after a separation from service due to a dishonorable discharge.
Fry Scholarship
Both children and spouses of Veterans may qualify for the Fry Scholarship, an initiative named after Marine Gunnery Sergeant John David Fry. It provides money to help pay for tuition, housing, and books and supplies for 36 months.
The Fry Scholarship is available if your parent or spouse died in the line of duty on or after September 11, 2001, or if they died because of a service-connected disability in the Selected Reserve.
Your marital status doesn’t affect your eligibility if you are a child who qualifies; however, if you’re a spouse, you can’t remarry and qualify.
The scholarship is available until you’re 33 years old if you turned 18 or graduated high school before January 1, 2013.
Everyone who becomes eligible for the Fry Scholarship by turning 18 or graduating high school after January 1, 2013, can receive this scholarship any time after meeting the age requirement or graduating, whichever is first.
No age requirements exist for those who qualify due to a parent with a service-connected disability while not on active duty in the Selected Reserve.
If you qualify for the Fry Scholarship, DEA benefits, and DIC payments, note that you can’t use them all at once.
You can only use the Fry Scholarship while not using the DEA program and if you have DIC, you have to forfeit it when you start using the scholarship.
Keep in mind that “State Active Duty” that can apply to the Army and Air National Guards isn’t included in “not on active duty” when it comes to qualifying for the Fry Scholarship.
Related read:7 of the Best Veteran & Military Spouse Tech Scholarships (& Free Training Programs, too!)
Disabled Veterans College Benefits for Dependents
If you have a disability and need special restorative training or assistance with college for dependents, you have options. The VA education benefits are available for those with and without disabilities along with qualifying dependents.
Furthermore, those with a physical or mental disability who need training so that they can pursue an education or are interested in special vocational training may receive additional benefits, however, medical and psychiatric care are not included.
Veterans GI Bill Benefits
Since 1944, Veterans' GI benefits have been available to help pay for education and training across many different initiatives that have evolved over the years.
It’s important to understand the different GI Bills available as depending on when you served, among other factors, your eligibility will affect which benefits you qualify for.To learn more about these programs, check out our guides:
- The Veteran’s Complete Guide to GI Bill Benefits will help you decipher between the Post-9/11 GI Bill and the Montgomery GI Bill benefits.
- You can use your GI Bill benefits on your own education or put them towards the educational pursuits of a dependent. Learn more about using the GI Bill for dependents, including how to decide what is right for you and how to transfer your benefits.
Edith Nourse Rogers STEM Scholarship
If you’re a Veteran and eligible for the Post-9/11 GI Bill or have dependents using the Fry Scholarship for extra benefits, you can qualify for the Edith Nourse Rogers STEM Scholarship if you are working on getting a certification for teaching.
Keep in mind these benefits are not available to dependents and you can’t use them to pursue graduate degree programs.
Just because you qualify doesn’t mean you’ll receive the scholarship. If you want to improve your chances, priority is given to Vets and Fry Scholars who meet the following guidelines:
- Have eligibility for the maximum 100% Post-9/11 GI Bill benefit.
- You have more credit hours than others who apply.
The following programs are eligible for the Edith Nourse Rogers STEM Scholarship:
- Agriculture/natural resources sciences
- Biological/biomedical sciences
- Computer and information science and support services
- Engineering/engineering technologies/engineering-related fields
- Healthcare or related fields
- Mathematics/statistics
- Medical residency as an undergrad
- Physical science
- Science technologies/technicians
You can receive either 9 months or $30,000 worth of benefits to train if you meet at least one of the following criteria:
- You are either enrolled in a program for an undergraduate degree in STEM or a dual-degree program that qualifies.
- Are are enrolled in an approved clinical training program in the healthcare industry after already earning either a graduate or post-secondary degree.
- You have a post-secondary degree in an approved STEM field and are working on getting a teaching certification.
To better understand the full requirements for eligibility, it’s important to consider the following scenarios.
Anyone who is already pursuing an undergraduate STEM degree or qualifying dual-degree program must also meet all of these requirements:
- Enrollment must be in an approved STEM program that is going to take a minimum of 120 standard semester credit hours or 180 quarter credit hours to complete, and you already have at least half of them completed.
- You receive Post-9/11 GI Bill or Fry Scholarship benefits but only have 6 months or fewer left.
Anyone who qualifies for benefits and is working on a clinical training program for healthcare must also:
- Have a degree in STEM that qualifies.
- Receive admission or be enrolled in a covered clinical training program for healthcare professionals.
- You have 6 months or fewer left for your Post-9/11 GI Bill or Fry Scholarship benefits.
Finally, if you are pursuing a teaching certification, you must:
- Have a qualifying post-secondary degree in a STEM field.
- Be either accepted or enrolled in a teaching certification program with 6 months or fewer left of your Post-9/11 GI Bill or Fry Scholarship benefits.
To apply for the STEM scholarship, simply fill out an online application, which takes about 15 minutes to complete. Scholarships are awarded each month and it takes as much as 30 days to determine who receives funding.
You may receive a letter if more information is needed, however, if you are approved for benefits, you receive a Certificate of Eligibility (COE) through the mail, known as a decision letter.
You will need to bring your COE to the VA certifying official at whichever school you are attending. If you are not approved, you’ll receive a denial letter through the mail.
If you are receiving a monthly housing allowance, this is sent directly to you.Keep in mind that you need to verify your enrollment monthly to receive payments. If you are part of a Veteran work-study program, you can use the benefit; however, you can’t use the scholarship with the Yellow Ribbon Program.
Related read:7 of the Best Veteran & Military Spouse Tech Scholarships
Yellow Ribbon Program
The Yellow Ribbon Program is a great option for paying the cost of tuition for certain schools not eligible for compensation through the Post-9/11 GI Bill.
This includes private, graduate, and out-of-state schools. To learn more, check out our guide on Yellow Ribbon Schools.
Veterans Chapter 33 Benefits
Also known as the Montgomery GI Bill, if you aren’t eligible for the Post-9/11 GI Bill, Chapter 33 benefits may be able to help you cover the cost of your education.
There are benefits available based on active duty and compensation for those who are serving in the Reserves.
Furthermore, Chapter 32 benefits are available if you have served during a period of national service, and the post-Vietnam Era Veterans’ Educational Assistance Program (VEAP) is a government assistance program for those who served for the first time between January 1, 1977, and June 30, 1985, while contributing to a VEAP account.
You can learn more about the Montgomery GI Bill through our guide by clicking the link. Below, we’ll break down the National Call to Service Program and VEAP:
National Call to Service Program
As an alternative benefit to the Montgomery GI Bill, those eligible for the National Call to Service program can pay for their education.
You can receive either $5,000 cash, repayment of your qualifying student loan up to $18,000, educational benefits equal to a monthly 3-year MGIB-AD rate for 12 months, or education benefits equal to half of the less-than-3-year monthly MGIB-AD rate for 36 months.
Here’s how you qualify:
- You must finish your initial entry training and then go on active duty for 15 months in an MOS designated by the Secretary of Defense.
- You also must serve a period of active duty for 24 months without a break in between as an active duty member of the Selected Reserve.
In addition to the qualifying criteria above, Veterans must also have had at least one of the following apply to use the program. For the rest of your obligated service, you were either:
- An active duty member of the American Armed Forces.
- A member of the Selected Reserve or Individual Ready Reserve.
- You were a member of a domestic national service program, such as AmeriCorps, jointly designed by the Secretary of Defense.
VEAP
Those who participated in VEAP during its initial run and when it was reopened between October 28, 1986, and March 31, 1987, before it was ultimately terminated, can use their assistance for education.
Before implementing the MGIB Program, some service members were a part of VEAP, in which educational assistance came from a government match of $2-to-$1 contributions.
Here’s how to know if you’re eligible for benefits as you must meet all of these criteria:
- You served between January 1, 1977, and June 30, 1985, for the first time in any branch with the exception of the U.S. Air Force.
- You contributed between $25 and $2,700 to your VEAP account before April 1, 1987.
- You completed your first period of service without receiving a dishonorable discharge.
For Airmen, things get a bit more complex. To qualify for VEAP benefits, you must meet these guidelines:
- You served in the USAF between December 1, 1980, and September 30, 1981, for the first time under one of the following specialties:
- 20723
- 20731
- 20830
- 46130
- 46230A, B, C, D, E, F, G, H, J, or Z
- 46430
- 81130
- Furthermore, you must have enlisted at specific locations to qualify. Here are the locations that grant Airmen VEAP benefit eligibility:
- Beckley, West Virginia
- Buffalo, New York
- Dallas, Texas
- Fargo, North Dakota
- Houston, Texas
- Jackson, Mississippi
- Louisville, Kentucky
- Memphis, Tennessee
- Omaha, Nebraska
- Philadelphia, Pennsylvania
- Seattle, Washington
- Sioux Falls, South Dakota
- Syracuse, New York
For Airmen still serving, you’ll need to have at least 3 months of VEAP contributions to access your benefits.
Veterans Health Benefits
As one of the largest healthcare systems in the world, there are more than 9 million Veterans who receive care through VA facilities.
Veterans' health benefits are essential for helping both mental and physical ailments that may or may not be related to servicing our nation.
The health benefits you are eligible for will depend on many factors and are unique from Veteran to Veteran. Some of the factors that affect your medical benefits package include:
- Your VA priority group
- The advice of VA healthcare professionals
- The medical standards the treatment your healthcare requires
Important Information About Veterans Medical Benefits
Healthcare is complex and working with the VA is no exception. Many more resources are available, and before making any decisions regarding your health, it’s important to speak with a medical professional.
Here are a few important facts about VA healthcare you’ll want to remember when you’re seeking treatment:
- VA healthcare is considered to meet the “minimum essential health coverage” required by the Affordable Care Act (ACA).
- You can better understand how the VA uses/discloses your private medical information, how to access it, and how to opt out of sharing by contacting the VA’s Medical Records Office.
- If you’re leaving the military and need assistance, you can call the VA healthcare number (877-222-8387; TTY: 711). You can also learn more about transitioning from TRICARE to the VA online.
- Travel benefits and support for caregivers are also available.
- Foreign language and American Sign Language (ASL) services are available. Click this link to find your medical center’s website. You’ll need to contact their customer service to find a patient advocate for your VA medical center.
- There are over 1,200 locations to receive care and you can manage your VA healthcare benefits online to check the status of your claims, message your healthcare team, or refill prescriptions.
Remember, the benefits you receive with the VA are going to differ for everyone; however, there are some baseline healthcare needs you can count on being addressed.
Here’s an overview of what basic Veterans’ health benefits will cover:
Preventive Healthcare
- Gender-specific healthcare, including the unique needs of women
- Health and nutritional education programs
- Healthcare assessments
- Immunizations
- Professional counseling on genetic diseases
- Various health exams
Related read: Women Veterans Should Know About These Available Resources and Benefits
Inpatient Healthcare
- Acute care (short-term treatment for a severe illness or injury or after surgery)
- Kidney dialysis
- Medical treatments
- Prescription drugs provided by VA physicians
- Specialized care, such as surgeries, intensive care (physical and mental), etc.
- Surgeries
Suggested read: How Vets Can Mitigate the Risks of Cancer Related to Military Service
Urgent and Emergency Healthcare
- Urgent/emergency care at qualifying VA facilities
- You can also use your Veterans’ medical benefits at urgent cares within the VA’s contracted network for injuries/illnesses that aren’t life-threatening but require immediate care. So long as you’re enrolled in VA healthcare and have received care within the last 24 months from the VA, you can use these facilities.
- You can also receive emergency healthcare from hospitals, clinics, or other medical facilities outside of the VA; however, certain conditions must apply. If you need non-VA emergency care for a non-service-connected condition, you must receive care in an emergency department, notify the VA within 72 hours, and meet additional requirements. To learn more about getting non-VA emergency medical care, click the link.
Additional Healthcare
- You can receive a range of mental health services that help treat depression, military sexual trauma (MST), posttraumatic stress disorder (PTSD), and substance use.
- If you require assisted living or home healthcare needs, your benefits may help. Note that both have limits for the number of people who can enroll in these programs at once as well as criteria for income.
- Veterans can also receive refills on prescriptions and have some medications approved/written by VA doctors as needed.
- Ancillary healthcare services, such as X-rays, blood work, tests, etc., may also be covered. You can even receive therapy, rehab, and prosthetic items.
- The VA will cover some vision care, such as eye exams and preventative tests, and if you’re blind or have an impairment, even more healthcare options may be available, including glasses. To learn more about VA vision care, click the link.
- Normally, you can’t receive coverage for medicines and devices that don’t have approval from the Food and Drug Administration (FDA). If you are accepted into a clinical trial and receive approval, you may receive an exception. This is known as compassionate use or an expanded access exemption. This happens when something is new and unapproved because there aren’t similar treatments available.
Veterans Spouse Medical Benefits
While Veterans' healthcare benefits aim to help those who have served our nation, there are also many medical benefits for spouses, survivors, and dependents available.
The benefits available to families will vary depending on eligibility based on numerous factors surrounding the Vet or service member’s time in the military.
If you are a spouse, child, or parent that qualifies, here are some of the benefits from the VA you may have access to:
- Burial and memorial services
- Career and employment benefits
- Disability
- Education and training
- Healthcare
- Life insurance
- Pension benefits
- VA home loans
Throughout our guide, you’ll find help on how to apply for spousal benefits, eligibility, resources, and much more.
Veterans Assisted Living Benefits
Assisted living is an important part of care for Veterans with disabilities and/or later on in life. There are several different options available and you may have access to these benefits.
You can receive care for your medical needs and nursing services 24 hours a day, 7 days per week along with help performing ADLs.Your benefits also include comfort care, physical therapy, and caregiver support. You can read more about caregiver support in our VA Caregiver Support Program guide.
Keep in mind that where you receive Veterans' long-term care benefits can also vary.
While some Veterans may be able to receive long-care services at home, benefits may also cover nursing homes, assisted living facilities, adult day health centers, and private homes with a caregiver.
Qualifying for Veteran assisted living benefits will depend on the severity of your service-connected disability as well as your level of income.
Here’s how accessing Veterans' benefits for elderly care works. All of the following must be true:
- You are enrolled in VA healthcare.
- The VA determines an appropriate service will help you with either personal care or an ongoing treatment you are receiving.
- The service and/or space is near you.
Additionally, to qualify, the VA is going to consider both your insurance coverage and your service-connected disability status, among other factors. These are the many options for facilities and services Veterans may have available:
Veterans Nursing Home Benefits
Veterans can access three different types of nursing homes through their benefits including VA Community Living Centers, Community Nursing Homes not connected to the VA, or State Veteran Homes.
Each offers Veterans professionals that can provide them with assistance for ADLs, healthcare, and nursing services.
Community Residential Care Options
If you don’t require nursing home care but could benefit from live-in assistance, help is available for qualifying Vets.
Their professional, live-in care options are not run by the VA but they are approved and inspected by the VA. This includes the following possibilities depending on your eligibility and needs:
- Medical Foster Homes
- Adult Family Homes (Adult Foster Homes)
- Assisted Living Facilities
Veterans Home Care Benefits for Disabled Veterans
Depending on your needs and other eligibility factors, you may qualify for one or more of these options at the same time. Here are long-term care options for Veterans with disabilities:
- Adult Day Health Care
- Home-Based Primary Care
- Homemaker/Home Health Aide (H/HHA) Services
- Hospice and Palliative Care
Related read: Everything You Need To Know About the New VA Long-Term Care Facility
Veterans Housebound Benefits
For those who are homebound and require care, the following options may be covered with your benefits; however, eligibility will depend on individual needs:
- Skilled Home Healthcare
- Home Telehealth Services
Both are great options for Veterans in need of long-term care at home but don’t have family or caregivers near them for assistance as often or at all.
Support for Family Caregivers
If you have a family caregiver that needs help, there is respite care available. The way it works is a qualified caregiver will come to your home while the family caregiver receives a break or Veterans can go to programs while the caregiver receives a break.
Some of the programs listed above, such as Adult Day Health Care facilities can qualify to help family caregivers and Veterans alike with respite care.There are many more family caregivers than you might think and it’s important to check whether or not your loved ones qualify.
To learn more about respite care, the VA has additional resources to help you get the most out of your benefits. You can also learn more about the resources for caregivers by reading our guide on the VA Caregiver Program.
Related read:VA Family Caregivers Can Now Appeal Eligibility Decisions
Geriatric Patient Aligned Care Team (GeriPACT) Services
The VA offers GeriPACT in around 66% of all VA medical centers and their services can help with many different needs, including:
- Cognitive decline/dementia
- Caregiver burden
- Geriatric syndromes
- Multiple complex chronic diseases
Those in need of geriatrics and extended care can learn more by clicking the link, as some exceptions apply.
For example, GeriPACT can’t be used for Vets with untreated substance abuse and may not accept some Vets who only need refills on prescriptions.
Additional Healthcare Benefits for Veterans
There are so many resources available for Veterans that this guide can’t fit them all.
In addition to some of what we here at VeteranLife believe are some of the most important healthcare benefits available to Vets, here are a few more guides you’ll want to bookmark:
MyHeatheVet
There are so many VA tools and portals, that it can feel overwhelming to know where to start.
MyHealtheVet is a consolidation of many different healthcare needs where Veterans can refill prescriptions, manage appointments, collect their medical records, message their VA healthcare team, and much more.
Be sure to check out your guide to using my HealtheVet for more information.
LGBT+ Healthcare
When it comes to the rights and nuances of LGBT+ healthcare, you’ll need to know your options and resources within the VA. Learn more by clicking the link to read our guide.
Veterans ID Card Benefits
Supporting the Veteran community is a common theme among businesses and organizations. It’s a great way to show those who defended America thanks for their service.
Your Veteran ID Card (VIC) is how you can prove that you did serve in the American Armed Forces to the many entities offering discounted goods and services.
Having your VIC is a lot easier and safer than carrying around many different discharge papers and makes it easier for those offering deals to quickly verify your qualifications.In order to receive your VIC, you’re going to need to be a Veteran with an honorable discharge.
Those who have received either an uncharacterized or unknown discharge status may also qualify for a Veteran ID Card; however, the VA will need to verify these circumstances on a case-by-case basis to determine eligibility.
Getting your VIC is easy. You can apply for your VIC online at any time. Here’s what you’ll need to submit your application:
- Your Social Security number.
- A digital or scanned copy of the following forms for upload: DD214, DD256, DD257, PHS1867, or NGB22. Files must be in the following formats: .pdf, .jpeg, or .png.
- A copy of your current government-issued ID. It must be valid. This can include your driver’s license, passport, or state-issued ID card.
- A color photo of yourself. It needs to be a digital photo from your shoulders up without others in the frame on a white or plain background. Hats, headphones, and other head coverings are not allowed and your face and hairline must be free of shadows. Furthermore, your neck and face must be in full frontal view. Eyes must be open with a neutral expression and clothing acceptable for a driver’s license must be worn. Your photo must be current (within 10 years) and formatted as a .jpeg, .png, .bmp, or .tiff file.
If you have a physical copy of an older WIC, you can still use it at participating locations; however, since September 2022, new WICs are all digital.
Veterans Life Insurance Benefits
At their simplest, life insurance benefits provide Veterans and their families with financial safety nets in the event the Vet passes away; however, these benefits are complex in nature.
As mentioned above, applying for Veteran life insurance benefits depends on a number of factors, specifically looking at the life insurance policies you qualify for or choose to utilize for your financial needs.
This can vary from household to household and there are many different options available.
If you’re looking to learn more about life insurance benefits from the VA, including the different policies, who to contact, coverage limits, and eligibility, you’ll need to do a bit of legwork and compare them with a trusted, licensed advisor.
Related read:Retired Military Life Insurance – Get the Facts
Some benefits are for those still serving in the American Armed Forces while others are for Veterans. This is a summarized breakdown of the options available to the military community:
Servicemembers’ Group Life Insurance (SGLI)
When you’re a service member in the military, you may be eligible for SGLI. In fact, those who qualify are automatically enrolled, though these benefits can be managed and even opted out of.
SGLI is inexpensive term life insurance that has coverage ranging from $50,000 to $500,000 in benefits. Here are some key points to remember:
- In 2024, the SGLI premiums are $0.06 per $1,000 of coverage. Additionally, you’ll also need to pay $1 per month for Traumatic Injury Protection coverage (TSGLI).
- Your SGLI coverage is free for 120 days after separating from service. If you’re totally disabled, this is extended for up to two years.
- Reserve members may be eligible for part-time coverage.
- You can alter your policy through the SGLI Online Enrollment System (SOES) on milConnect.
- You can apply to receive as much as the same level of coverage you have in your SGLI policy through a Veterans’ Group Life Insurance (VGLI) policy but must do so within one year and 120 days of being discharged.
- If you want to convert your SGLI policy into civilian life insurance, you can do so within 120 days from when you leave the service.
- Notable documents you may need to apply:
- You’ll need to send the SGLI Disability Extension Application (SGLV 8715) to the Office of Servicemembers’ Group Life Insurance (OSGLI) address found on your application if you qualify for an extension.
- To receive benefits in advance due to a loved one being diagnosed as permanently ill, use the Claim for Accelerated Benefits (SGLV 8284) form.
- Service members who need short-term financial help when recovering from a traumatic injury can file an Application for TSGLI Benefits (SGLV 8600).
To learn more about eligibility and SGLI coverage you can contact the OSGLI by calling 800-419-1473.
Traumatic Injury Protection (TSGLI)
Service members can receive short-term financial assistance between $25,000 and $100,000 through TSGLI (Servicemembers’ Group Life Insurance Traumatic Injury Protection) if they suffer a severe injury while serving in the U.S. military.
If you have full-time SGLI, you’re automatically signed up for TSGLI. It’s important to note that you are covered for injuries that happen even when off duty.
Those who qualify can even receive retroactive payments. To apply for compensation, email, fax, or mail an SGLV 8600 form to the VA. Your form will have the right address to send it to.
If you are denied, your letter will tell you whether or not an appeal might be possible and how long you have to submit one. To formally appeal, fill out SGLV 8600A and send it to your service branch within the qualifying timeframe.
Family Servicemembers’ Group Life Insurance (FSGLI)
Service members can enroll in Family SGLI which covers their spouses and dependent children.
You can receive as much as $100,000 in coverage for your spouse and $10,000 per dependent child, with dependent children’s coverage being free.Children who qualify can receive coverage up to the age of 18. Extensions are available if the child is either permanently and totally disabled before the cutoff and can’t support themselves or is a full-time student.
Civilian spouses can automatically receive coverage under FSGLI if their service member is signed up for full-time coverage; however, this doesn’t apply if you were married on or after January 2, 2013.
To receive coverage under FSGLI if you were married on or after the cut off date, you’ll need to sign up through the SOES.
We won’t automatically cover you. You’ll need your service member to sign you up online through the SGLI Online Enrollment System (SOES).There are many scenarios in which you can convert a spousal FSGLI policy to an individual one and for Veteran families, the two important ones to remember are that conversion is possible when a service member dies or separates from the service.Once these events happen, remember, as a spouse, you are responsible for the policy from that point out. This includes covering premiums.
To convert your FSGLI policy, you’ll need to work with a participating company, which you can compare by clicking the link.Choose a company from the list of companies that take part in this program.Get a list of the participating companies and apply through that carrier’s local office.
You’ll need to provide them with a copy of the most recent Leave and Earnings Statement (LES) that shows the deduction for spousal SGLI. Additionally, you have to show proof that you have coverage by submitting one of the following:
- DD214, NGB-22, or written orders
- DD1300: Report of Casualty or a civilian death certificate
Related read: New VA Life Insurance Benefit Coming Soon
Veterans Pension Benefits
Wartime Vets can receive monthly payments through the Veterans Pension program so long as they meet the age or disability criteria and do not exceed the income and net worth limits set by Congress.
You also must not have been dishonorably discharged. To learn more about the VA pension rates depending on your income and net worth, visit their website at https://www.va.gov/pension/veterans-pension-rates/.Furthermore, to qualify for these military benefits for Veterans, at least one of these criteria must apply to you:
- You’ve served 90 days or more on active duty with at least one day during wartime if you began active duty before September 8, 1980.
- If you went on active duty as an enlisted troop after September 7, 1980, and have served either the full period you were called/ordered to or at least 24 months with one day (minimum) during wartime.
- You served on active duty after October 16, 1981, as an Officer without having previously served on active duty before for at least 24 months.
- Additionally, you can also either be 65 years of age, have a permanent and total disability, or receive long-term care due to a disability in a nursing home. You can also qualify if you receive SSDI or SSI.
Wartime periods vary depending on the conflict. Our chart below helps you better understand them and how they affect your eligibility:
- Mexican Border - May 9, 1916, to April 5, 1917*
- World War I - April 6, 1917, to November 11, 1918
- World War II - December 7, 1941, to December 31, 1946
- The Korean Conflict - June 27, 1950, to January 31, 1955
- The Vietnam War Era for Veterans - November 1, 1955, to May 7, 1975**
- The Vietnam War Era for Veterans - August 5, 1964, to May 7, 1975***
- Gulf War - August 2, 1990, to TBD****
*Applies to Vets who served in Mexico, on its borders, or in adjacent waters during this time.**Applies to Vets who served in the Republic of Vietnam.***Applies to Vets who served outside the Republic of Vietnam.****Applies to those who served in the Gulf War but an end date for qualifications has not been yet determined by laws or a Presidential proclamation.
If you have a discharge that isn’t honorable, bad conduct, or dishonorable, you can apply for a discharge upgrade to qualify for pension benefits.
Veterans Retirement Benefits
The Department of Veterans Affairs retirement benefits available extend to more than just pension and are often complex. Here are some resources that can help you navigate military retirement benefits:
- Veteran Readiness and Employment (VR&E), also known as Chapter 31, can help you begin your civilian career. Our guide on VR&E can help you explore your options.
- Learn more about your status as a protected Veteran in the civilian job market.
- If you’re going to receive VA health benefits, you’re going to need many different documents, including your DD214. Learn more on how to get DD214 records once you’ve left the military.
- Just because you have benefits doesn’t mean you always will. There are some ways Vets can lose or reduce their military retirement benefits. Our guide helps you avoid these missteps and keep more of what you’ve earned.
Related read:14 Certifications for Jobs To Help You Find a Career After Military Service
Veterans Survivor Benefits
Veterans pension and survivors’ benefit programs provide families with needs-based compensation that is tax-free. Un-remarried surviving spouses and/or unmarried children of wartime Vets may be eligible.
Here’s how you qualify:
- Meet the yearly income requirement limits set by Congress.
- The Veteran must have received a discharge from service under conditions other than dishonorable and served at least 90 days of active service with at least one day during a wartime period. The 90-day condition doesn’t apply to Vets who have service-connected disabilities justifying a discharge from the military.
- Alternatively, Vets who served 24 months or more, or the full period for which they were called/ordered for active duty, and have served at least one day during a wartime period. This applies to Vets who served on active duty after September 7, 1980, and some exceptions will apply.
Dependent children may be able to apply for pension benefits if they have a disability before turning 18 and aren’t married.
Only children 18 years of age and younger are eligible, though those up to 23 years of age may also receive Veterans Survivor Benefits if they are in school at a facility that is approved by the VA.
Surviving spouses that lived with the Veteran continuously from the time they were married until the Vet dies can also receive benefits if they have not remarried. However, there are some exceptions.
Evidence Needed to Receive a Veterans Pension and Survivors Benefit
To receive your pension benefits, you’ll need to provide evidence supporting your claim. You can do this as a standard claim. The fastest, recommended method is to do so through the Fully Developed Claims (FDC) program.
The VA provides a summarized detail of all of the evidence you’ll need to present in the section 5103 notice listed below; however, you can find the full list of official evidence requirements on the VA Form 21P-527EZ:
- DD214 or other documents pertaining to your military separation
- Your service treatment records
- Medical evidence, such as a doctor’s report or medical test, that relates to your injury or illness
Evidence for Non-Service Connected VA Pension Benefits
If you are applying for pension benefits that are non-service related, you’ll need to show evidence proving these three requirements:
- You meet the net worth and income requirements set by Congress.
- You meet the minimum active-duty service requirements.
- Are 65 years of age or permanently and totally disabled, even if your disability occurred outside of military service.
Evidence for VA Pension Benefits for Aid and Assistance/Homebound
To receive aid and attendance pension benefits from the VA, you’ll need to present the following evidence proving you meet the criteria:
- You need help with performing ADLs.
- Either never leave bed or spend a large portion of your day in bed due to an illness.
- You receive care in a nursing home due to mental and/or physical disability.
- Your eyesight is limited to 5/200 in both eyes even with glasses or contacts, or you have a concentric contraction of the visual field no more than 5 degrees.
To receive housebound benefits, your evidence must show that you meet one of the following requirements. Keep in mind that you can’t receive both aid and assistance benefits and housebound benefits at the same time:
- You have one 100% rated permanent disability that keeps you home or in another living space most of the time.
- You have one 100% rated permanent disability and at least one more rated 60% or higher.
Evidence for VA Pension Benefits for Disabled Children
For disabled children to receive benefits, you will have to submit private medical records regarding the child’s disabilities.
This evidence must show that the child receiving benefits suffered a permanent disability, mental or physical, and cannot support themselves because of it.
Furthermore, the disability must have occurred before the child’s 18th birthday.
VA Aid and Attendance or Housebound Benefits
If you are a qualifying Vet or survivor, the VA Aid and Attendance or Housebound benefits help those who either are housebound or need help conducting ADLs.
To be eligible for these Veteran benefits, monthly compensation is available which is added to pension benefits to help.
You must receive a VA pension to qualify for VA Aid and Attendance benefits and at least one of the following criteria must be met:
- You need help from another person to perform ADLs.
- Most of your day is spent in bed due to an illness.
- You are in a nursing home due to hindered mental or physical abilities because of your disability.
- Limited eyesight that is only 5/200 or less in both eyes even if you use contacts or glasses. Additionally, you qualify if you have a concentric contractor of 5 degrees or less of your visual field.
To receive VA housebound benefits, you also must receive compensation from a VA pension, and you must have a permanent disability that causes you to spend most of your time within your home.
Both of these benefits are available; however, you can’t receive both aid and attendance and housebound benefits simultaneously.
DIC Veterans Benefits
Dependency and Indemnity Compensation (DIC) are monthly benefits that are not taxed and are available to survivors who qualify after a service member dies in the line of duty or due to a disease or injury that was related to their service.
Evidence Needed for Dependency and Indemnity Compensation
If you need to submit a claim for DIC benefits, this is the relevant evidence and documents you’ll need to provide the VA, which are listed in totality on VA Form 21P-534EZ:
- The treatment and personnel records that are held onto by the Veteran’s National Guard or Reserve unit.
- Relevant private medical treatment records related to the Veteran.
- You also need to submit medical records of the Vet at Federal facilities, including the VA.
- Finally, evidence from someone who isn’t a medical professional showing any chronic, long-lasting disability symptoms.
For Service-Connected Disabilities
Additional evidence is needed to receive DIC benefits due to a service-connected disability. One of the following must be true and supported by your evidence. The Veteran must have:
- Died on active duty, had at least one service-connected disability that either caused or is linked to their death, or died from an illness/injury that while not connected to their military service, did provide them with a 100% disability rating they were being compensated for.
If someone has died due to a non-service-related illness/injury or has a 100% VA disability rating, you’ll need to provide the appropriate evidence proving such. This includes one of the following timelines for disabled Vets who qualify:
- Within the last 10+ years before dying.
- A minimum of 5 years after being released from active duty service and before they passed away.
- One or more years before the Vet died, they were a POW who passed away after September 30, 1999.
Non-Service Connected or Didn’t File Before Dying
Some Veterans may qualify for DIC benefits without having a service-connected reason. Additionally, there are times when Vets haven’t filed but pass away first.
You can still file but you need to prove all of the following to be true through your evidence. The Veteran must have:
- Had an illness/injury either caused or worsened due to active duty service.
- You had a disability, mental or physical, caused or linked to their death.
- Had an injury/illness or event that occurred during military service linked to their death.
DIC Benefits Based on Active Duty Training
To file, all of the following must be true and supported by evidence. The service member must have:
- Gotten injured or sick while engaging in active duty training.
- Their death is linked to the injury/illness.
Keep in mind that in cases where service members received disability benefits for a service-connected disability, you may only need your evidence to prove the connection between their disability and death.
DIC Benefits Based on Inactive-Duty Training
If you are submitting evidence based on inactive duty training, you’ll need to show that at least one of the following is true about the service member:
- They suffered a cardiac arrest, a heart attack, an injury, or a stroke during inactive-duty training that was connected to their passing away.
In the event the qualifying service member already received service-connected disability compensation for the reasons listed above, you may only need to prove that it was either the cause of or linked to their passing.
Disability Not Service-Connected or Not Filed Before Dying
If the Veteran was sick or injured during active-duty training, the evidence must prove all of the following:
- The illness/injury occurred during active-duty training.
- Either a mental or physical disability was linked to the service member’s death.
- The death of the service member was linked to either an injury/illness or event that occurred during their service.
For incidents during inactive-duty training, the evidence must show that the service member suffered a disability due to cardiac arrest, a heart attack, an injury, or a stroke that was also the cause of or linked to their death.
DIC Benefits for an Additional Disability or Worsen Existing Disability Connected to the VA
If you are submitting evidence based on a disability connected to either VA healthcare or a VA program that caused the Veteran to die, you’ll need to prove one of the following occurred:
- The death must have taken place while receiving healthcare at a VA hospital, receiving medical or surgical treatment through the VA, or while partaking in a VA exam or training.
Additionally, you must prove one of the following is what led to the Veteran passing away:
- Something that the VA is at fault for.
- An unreasonable event that shouldn’t have been expected while receiving VA healthcare or treatment. This includes complications and results from receiving healthcare.
- Veterans also qualify and must prove if an unreasonable event that shouldn’t have been expected to happen occurred during a VA vocational rehabilitation or compensated work therapy program.
Benefits Based on Aid and Assistance/Being Housebound
To receive Aid and Attendance, at least one of the following must be true about you and proven by the evidence provided:
- You require assistance from another person to perform ADLs.
- You’re either in bed all day or spend a large part of your day there because of illness.
- You have suffered from the loss of physical or mental abilities because of a disability. Additionally, you are a patient in a nursing home.
- Even with the help of glasses or contacts, your eyesight is only 5/200 or less in both eyes. Or, you have a concentric contraction of the visual field to no more than 5 degrees.
For those housebound, you need evidence proving you either stay home or in another living quarter due to a permanent disability.
The evidence must show that you need to stay in your home or another living space most of the time because of your permanent disability.
VA Accrued Benefits
If a beneficiary is eligible for benefits but dies before they are paid, you can make a claim to receive them. These are known as accrued benefits and may be available under various circumstances, including but not limited to:
- if a claim or appeal for a recurring benefit was pending but the evidence you needed to receive them was with the VA.
- A beneficiary was being awarded a recurring benefit but passed away before receiving it. When they died, at least one check was either not deposited or negotiated despite being rightfully theirs.
Eligibility is based on the relationship of the claimant and the beneficiary who has died. Reimbursement is available if no one alive is eligible. Here is how it works:
Relationship to Vet Accrued Benefit Amount
Surviving spouse Full amount Dependent children Shares are equally divided among children Both parents Equal shares for parents who are dependent when the Veteran dies Sole surviving parent Full amount if dependent when the Veteran dies
Evidence Needed for VA Accrued Benefits
You’ll need to get evidence to prove that you rightfully deserve accrued benefits. To complete your claim or appeal, you need to show the following:
- The VA owes payments to the deceased Veteran based on existing ratings, decisions, or evidence that the VA had when the claimant died but payments weren’t made before the Vet passed.
- You have to prove your relationship qualifies but submitting information or giving the VA permission to gather the necessary documents.
The documents you can use to prove your relationship include the Veteran’s DD214 (or other separation documents), and a copy of the Vet’s death certificate which shows the cause of death.
If there is a representative assigned to the beneficiary’s estate, you also need to provide the VA with a certified copy of the letters of administration or letters of testamentary that are signed and contain an appointing court’s seal.
For anyone submitting a claim for reimbursement based on the beneficiary’s last illness and burial expenses, you’ll also need to provide the VA with a copy of every billing and account statement related to the expenses of services and supplies.
Submit these statements using the regular billhead of the creditor. The statement must show the following:
- The name of the Veteran who passed away and paid for services and supplies.
- Proof of payment for the services and supplies along with who made them.
- You’ll need to provide the dates and costs of the services and supplies along with the reasons they were purchased.
Veterans Housing Benefits
Buying a home has been a quintessential part of the American Dream for decades and the benefits provided to Veterans play a big role in its history.
The program began as a way to help World War II Veterans with proper assistance for purchasing a home following their efforts in the deadliest war man has ever known.
Today, there are multiple VA Veteran housing benefits at state levels, and additional programs.
Everything from providing loans to helping homeless Veterans reclaim stability is available with efforts often extending to local levels beyond the VA itself.
Beyond Vets, the military community as a whole benefits from these programs as service members and surviving spouses can also find funding to aid in the purchase of a home, refinancing a loan, and more.
Related read:Housing Assistance for Disabled Veterans Through SAH, SHA, & HISA
Important Things to Know about VA Home Loans
Like most benefits, dealing with the VA for your housing needs is a complex endeavor. To help you get the most out of our guide and to help you apply these resources and benefits in the real world, here are a few things to keep in mind:
- Working with a licensed real estate agent is a must. Whether you are buying or selling your home, a real estate agent is going to help you with all of the nuances that come with using Veteran benefits and completing your transaction.
- If you need a VA Certificate of Eligibility (COE), you can learn how to request one online. Depending on how you qualify, you’ll need to provide certain paperwork, which is all available through the VA, along with the form itself and an online portal for submission.
- If you have submitted a housing-related claim or appeal before February 19, 2019, with the VA, this is what is known as a legacy appeal. The VA decision reviews and appeals portal can help you request and manage reviews while providing you with additional, relevant resources.
- Getting an appraisal is an important step towards homeownership. Our guide can help you learn more about understanding the VA appraisal process.
- Sometimes home renovations are necessary to ensure your living space is safe and livable. The VA can help. While you can’t use the VA renovation loan to get the dream bathroom or pool you’ve always wanted, you can make meaningful improvements. We have a complete guide to VA renovation loans that can help you learn more.
- The VA housing assistance portal is a great resource for all things related to real estate. Here, you’ll also find resources for handling natural disasters, assistance to avoid foreclosure, disability grants, and much more.
For more general information on VA home loans, be sure to check out our guide by clicking the link.
What Is the VA Home Loan Limit?
Depending on your entitlement, you may have a limit on your home loan from the VA. The VA home loan limits:
- Are the same as the limits in place for the Federal Housing Finance Agency (FHFA).
- Vary depending on your location (county).
- Change each year.
Beginning in 2020, anyone who has a full entitlement doesn’t have a limit on their VA home loan over $144,000.You have a full entitlement if at least one of the following criteria applies:
- This is the first time you’re using your home loan benefit.
- You paid off a previous VA home loan completely and sold the property it was used for.
- You foreclosed or had a short sale following the use of your home loan benefit, but fully repaid the VA.
If this applies to you, you won’t have to pay a down payment and the VA will pay 25% of the loan to your lender should you default.
Keep in mind the VA doesn’t set the actual limit you’re allowed to borrow when purchasing your home. The VA-backed home loan limit is in reference to the amount the VA is guaranteeing to pay back your lender should you default.
Those with full entitlement may be able to get a loan of any size, however, additional criteria apply.
Anyone with full entitlement eligible for a VA-backed home loan receives a COE to present private lenders, however, they will still need to approve the size of the loan you are requesting. This is based on various criteria, including your:
- Assets
- Credit history - note that while the VA doesn't have credit score requirements, lenders might
- Yearly income
If your COE shows a basic entitlement of $36,000, this isn’t the amount you are allowed to borrow but rather an indication that you have full entitlement. It’s meant to show the lender that the VA will pay up to $36,000 should you default.
Anyone that has remaining entitlement will have a limit on their VA home loan which is based on the county loan limit of the home.
The VA will pay your lender as much as 25% of your loan should you default minus the amount of entitlement used.Your remaining entitlement can be used on its own merit or as part of a down payment for another loan from the VA.
If one of the following is true, you may still have some remaining entitlement. To qualify, you either:
- Have a VA loan you’re paying back.
- Paid off a previous loan and still own the home you purchased with it.
- Refinanced your VA home loan into a non-VA loan and still own your home.
- Underwent a short sale or foreclosure of your home with a previous VA home loan. And, you didn’t pay the VA back in full.
- You had a deed instead of foreclosure for your previous VA loan and transferred the title of the home to the bank holding the mortgage to avoid the foreclosure process.
If your COE shows a basic entitlement of “$0” then you don’t have any remaining entitlement because you’ve used it previously. This figure must be higher than “$0” in order to have remaining entitlement for use again.
You can check the amount of entitlement you’ve already used on VA home loans by checking the Prior Loans table on your COE. This table shows a list of the amount of entitlement used previously under the Entitlement Charged column.
Related read:What Home Can I Afford Now That I Don’t Get BAH?
The 4 Different Types of VA Home Loans Available
Veterans have many different ways to become eligible for and utilize home loans. There is a VA direct loan along with three others backed by the VA. Understanding each is crucial for securing the right COE for your needs:
The Native American Direct Loan (NADL) Program
Unlike other VA loans, the NADL program creates a dynamic where the VA itself is your lender. The VA is who you will apply with for a loan and for management throughout its life.
The NADL offers better terms than those you’d get from a private lender and can help you purchase or improve a home that is located on Federal trust land. This includes building your own home.
Those who qualify for the NADL program can also use their loan to refinance a previous NADL in an effort to save on interest rates.
In order to qualify for the NADL program, you need to meet all of the following criteria:
- You are either a Native American Veteran or a Veteran married to a Native American.
- Your tribe’s government has established an agreement or Memorandum of Understanding (MOU) with the VA outlining how the NADL program will operate.
- You meet the lending standards of the VA, including a valid COE, acceptable credit, and proof of acceptable income.
- You are going to live in the home you’re using the NADL you’re using the NADL for.
The benefits of Native American Direct Loans will differ for everyone but include:
- Down payments aren’t necessary most of the time and you still won’t have to pay private mortgage insurance (PMI).
- You can also borrow as much as the Fannie Mae/Freddie Mac conforming loan limit if you have no down payment if not more in cases where you’d like to make a down payment after all.
- You still have closing costs but they are much less than traditional loans from private lenders.
- While NADL interest rates will vary, they are traditionally low and currently start at 2.5% for a 30-year fixed mortgage.
- You can use multiple NADLs as the benefit is reusable in the future.
- Refinancing options are available to help you save even more on interest rates for your current NADL.
If you’d like to apply for a NADL or understand the current interest rates you qualify for, be sure to contact an NADL coordinator by emailing NADL@va.gov or calling 888-349-7541 (TTY: 711).You’ll also need to file for a VA COE.
VA-Backed Home Loans
Veterans have three options when it comes to VA-backed home loans. This is when you borrow money from a lender but the VA is agreeing to pay back a part of it if you default on the loan.
For example, if you undergo a foreclosure, lenders will rest a bit easier knowing that they are getting paid back by the VA, and because of the reduced risk, you’re more likely to get better terms.
This is a big reason why an overwhelming amount of VA-backed home loans (~90%) are able to go through without a down payment from Veterans or those who qualify.
You still have to do your part and meet both the standards of the VA and private lenders, such as having a good credit score, to maximize the conditions of your loan. Here’s how each of the three work:
Purchase Loans
VA-backed purchase loans are available to help you buy, build, or improve a home and in many cases, allow those who qualify to do so without even putting down money for a down payment.
To be eligible for a purchase loan from the VA, you’re going to:
- Need to have a COE.
- Meet the income/credit/and additional requirements of both the VA and private lender you are borrowing from.
- Live in the home you’re using your loan for.
The benefits of VA-backed purchase loans include the following:
- Down payments aren’t needed for homes that have a sales price lower than the home’s appraised value and there are no PMI or mortgage insurance premiums (MIP).
- The terms and interest rates you receive are typically better than they are from private lenders. This includes no penalty for paying the loan off early
- You can borrow up to the Fannie Mae/Freddie Mac conforming loan limit when you have no down payment and more if you do decide to put one.
- You generally receive fewer closing costs.
Your loan can be used on the following properties and uses:
- Up to four units of a single-family home.
- You can purchase a condo; however, it must be part of a project with VA approval.
- Homes you wish to improve.
- You can use your loan to purchase a manufactured home, a lot, or a new home.
- You can also alter or add new features to your home that make it more energy efficient, including installing solar power.
Purchase loans from the VA are great for home buyers, anyone looking to refinance an older VA loan, or anyone looking to assume a VA-backed home loan.
Interest Rate Reduction Refinance Loan (IRRRL)
Veterans can receive an IRRRL if they already have a VA-backed home loan and are looking for a way to reduce their monthly payments or stabilize payments.
Basically, an IRRRL replaces the loan you are currently using for your home with a new one.
Just like other loans and benefits for Veterans, an IRRRL has its own eligibility terms, the application process, and potentially associated fees. To learn more about the VA’s IRRRL loan, click the link to view our guide.
VA Cash-Out Refinance Loans
If you have a loan currently, you may benefit from a new one with better terms later on in life. VA-backed cash-out refinance loans can help those who qualify to replace their loan for this opportunity.
You can also take cash out of the equity in your home equity or refinance your non-VA loan into a VA-backed loan.
There is no PMI for the loan. In order to qualify for a VA cash-out refinance loan, you must meet the following criteria:
- You have a COE.
- You meet the lending requirements for income, credit, etc. of both your lender and the VA.
- Lastly, you are going to live in the home you use your refinancing loan on.
Many use VA-backed cash-out refinance loans to pay off debt or for other expensive costs, such as education. You can also use these loans for home improvements.
Similar to other VA-backed loans, those who qualify can borrow up to the Fannie Mae/Freddie Mac conforming loan limit in most areas when forgoing a down payment and even more than the limit when a down payment is made.
Refinancing is a complex undertaking and it’s important to work with a real estate agent and loan officer to help guide you through the process.Closing costs can cost thousands of dollars and are a key consideration to talk to your real estate agent about to be sure you’re in the right position to refinance.
Furthermore, the Veteran population is often targeted by those looking to take advantage of their benefits. Be sure to stay vigilant and conduct due diligence, particularly regarding exceptionally attractive terms.VA-backed cash-out refinance loans are available through private lenders, so you’ll need to find one and provide your COE along with other financial paperwork, such as paycheck stubs (last 30 days), along with the last two years of your W-2s and tax returns.
Once you’ve submitted your information, an appraisal of your home will be ordered by the lender and you’ll proceed through the lender’s process to finalize your closing.
Homeless Veteran Benefits
Veterans facing homelessness don’t have to face it alone thanks to the VA and outside resources committed to helping Vets obtain reliable shelter and employment.
Stand Down Programs are grassroots programs that may provide help for homeless Vets but are not operated by the VA.
Many major cities provide homeless benefits for Veterans, including temporary and transitional housing. Connecting with your local VA office can help you find out the options in your area.
One notable program by the VA is the Grant and Per Diem (GPD) Program:
- The VA uses the GPD Program to provide local community entities with the necessary funding to help homeless Veterans increase their skills and income while also helping them retain proper housing.
- Local programs can apply if they meet the necessary response to a Notice of Funding Opportunity (NOFO) outlined by Grants.gov. The top programs receive funding to help Veterans in their area.
While the GDP Program may be aimed at directly funding organizations, it’s important for Veterans to know that these entities are available. You can connect with them in your community to receive vital housing resources.
As mentioned, homelessness is complex and deals with many other aspects of life. Here are additional VA benefits for homeless Veterans that may be able to help:
- The homeless benefits that are available for Vets aren’t just revolving around getting a home. There are many additional needs in the homeless Veteran population, including healthcare, that may be available.
- In addition to getting connected with the VA, the organization helps homeless Vets find local resources from shelters and faith-based organizations to assist them as well.
- If you are in need of healthcare but are facing or dealing with homelessness, locating the VA medical center nearest to you is a viable option. A Women Veterans Program Manager is available at these locations for female-specific needs.
- The National Call Center for Homeless Veterans is available 24/7 at 877-424-3838. Trained VA counselors are available to talk. for help 24 hours a day, 7 days a week. You’ll talk privately with a trained VA counselor for free.
Finally, if you are dealing with an immediate crisis or worried about someone who is, the Veterans Crisis Line is available 24/7 and you can speak privately online to a trained professional.
Veterans Travel Benefits
Vets and caregivers traveling for healthcare appointments incur costs; however, the VA provides reimbursement to help you cover these expenses.
This can include the cost of getting to and from your approved healthcare visit. This can also include the cost of meals and lodging, though these expenses must be approved for reimbursement.
To learn more about how to cover your expenses, be sure to check out our VA travel pay guide to find out what qualifies, how to file for reimbursements, tips for avoiding common issues, and more.
American Forces Travel
If you’re looking to plan a trip, there are additional travel benefits available to Veterans that don’t involve healthcare.
American Forces Travel is a collaboration between the DoD and Priceline to provide access to cheaper rates on flights, car rentals, hotels, cruises, and events.
Veterans can choose deals from either individual events or select vacation packages that provide savings.
Although our summer vacation guide is focused on planning a trip for the warmer months, you can also find plenty of tips and tricks for traveling all year round, such as taking advantage of the Space A program.
Veterans Unemployment Benefits
Formally known as VA Individual Unemployability, there are benefits are going to to Vets who aren’t able to work due to disabilities while serving the United States.
Those who meet the requirements of Veterans’ unemployment benefits eligibility receive compensation and benefits equal to a 100% disability rating, however, their disability rating won’t change. Here’s how it works:
- To qualify, you’re going to need to prove that you can’t maintain substantially gainful employment that can support you due to your service-connected disability.
- Additionally, you must either have at least one 60% disability rating, or two disabilities with at least one rated 40% or higher equaling a total rating of 70% or higher.
- Furthermore, if you’re in the hospital a lot and the VA agrees, you may qualify even if you don’t meet the disability rating thresholds.
To receive these Veteran benefits, you’ll need to submit both VA Form 21-8940 and VA Form 21-4192 along with the appropriate supporting documents proving your disability hinders employment.
Furthermore, the VA will run a background check to confirm your education and work history.
Keep in mind that in order to receive an allowance for clothing due to a service-connected disability, you’ll need to file for disability. You should do so before filing for Veterans’ unemployment benefits.There are a ton of resources for learning more about the Veterans’ unemployment benefits through the official VBA YouTube channel.
Start by watching the video below. Please note that the subtitles may be in the way of some of the links and phone numbers.
VA Benefit FAQs
Understanding all that the Department of Veterans Affairs benefits have to offer is a complex journey that is different for everyone.
While it’s impossible to cover everything, our guides are built to help you navigate the world of Veterans’ benefits. Be sure to check back for updates as benefits evolve over time.
Below, are some common questions many Vets have involving their benefits:
Do Spouses of Veterans Get Nursing Home Benefits?
Although many seek Veterans’ spouse benefits for long-term care, they aren’t always available. Specifically, the VA won’t cover these costs, meaning you’ll either need to get creative or cover them through alternative means.
The cost of such healthcare, including room and board, at assisted living facilities, can be covered by VA disability, pension, or survivor income for spouses.
However, this should be done with discretion and after speaking with your licensed financial advisor to ensure it’s not only possible for your situation but also the best course of action.
If you are a spouse of a Veteran in need of nursing home benefits, you’ll want to check your state government for possible solutions. Some states provide Veterans’ nursing home care benefits for spouses through government programs.
Are Veterans Benefits Taxable?
Some Veterans’ benefits are taxable while others aren’t. It varies from person to person and is based on the different types of benefits you receive.
While you should always defer to the advice of a licensed financial professional when filing your taxes, here are a few considerations you’ll need to remember:
- Military retirement benefits are taxed by the government. Keep in mind that each state has its own rules when it comes to state taxes. Some may tax retirement while others will not.
- Pensions are also taxable and you need to report how much income you receive each year.
- An exception to remember is when you reduce your retirement pay for a survivor, including your spouse, to receive an annuity. This income isn’t included in your taxes.
- VA Veterans' disability benefits are not taxable. Some Vets may even receive a federal refund if they have an increase in their disability rating. Or, if they are granted Combat-Related Special Compensation (CRSC) after an award for Concurrent Retirement and Disability.
- Educational benefits for the GI Bill (all versions) are not taxable.
Keep in mind there are many special tax considerations for Veterans to consider when filing taxes.
This information is not financial advice; however, Vets can receive free tax prep from professionals who can help individuals maximize their filings.
Can You Receive Veterans Benefits and Medicaid?
Receiving both VA and Medicaid benefits at the same time is possible. However, it is complex due to varying state and federal requirements.If you receive both, your VA pension benefits may be reduced to $90 monthly. This is in the event you are admitted into a nursing home.
When navigating your benefits, consulting a professional is a good move.
This can help you understand your best options as each Veteran faces unique medical and financial factors.
Are National Guard Veterans Eligible for VA Benefits?
Members of both the National Guard and Reserve are eligible for some VA benefits. This is so long as they are not dishonorably discharged or released. This includes the following benefits:
- Burial
- Disability
- Education
- Guaranty program
- Healthcare
- Insurance
- Pension
- VA home loans
- VA’s VR&E program
Eligibility will depend on how you are separate from service. How long you served, duty status, and service commitment will affect what you qualify for.
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