FREQUENTLY ASKED QUESTIONS

Your VA Benefits Questions Answered

Everything you need to know about VA disability benefits, claims, and the process.

Clear, honest answers to help you understand what you're entitled to and how to get it.

Eligibility & Basics

Understanding if you qualify and what it means

How do I know if I qualify for VA disability benefits?

If you served in the military and you've got a medical condition that started in service, was made worse by service, or is connected to something that happened while you were in, there's a good chance you qualify. The VA looks for three things: a diagnosis, something that happened in service, and a link between the two.

Your discharge status also matters. Most veterans with an honorable or general discharge qualify. Other discharge types can still qualify in some cases, but they may require extra steps or a discharge upgrade.

There's no strict length-of-service requirement for disability benefits. Even short periods of service (bootcamp) can qualify as long as the condition is connected to your time in uniform.

If you're not sure how that applies to you, schedule a consultation with us and we'll walk you through it.

What is a service-connected disability?

A service-connected disability is a medical condition that was caused by your military service or made worse because of it. If something happened while you were in, and you are still dealing with the effects today, the VA may count that as service-connected.

A good rule of thumb is to assume everything was caused by the military, and then work to prove why it was NOT caused by your service.

If you want help figuring out whether your condition qualifies, schedule a consultation with us and we can take a look together.

Can I receive disability after being discharged?

Yes. It doesn't matter how long it's been since you left. Some veterans file right away, and others wait years or even decades. There is always hope as long as your condition connects back to your service.

The best option is to file a Benefits Delivery at Discharge (BDD) claim before leaving the military or start the process as soon as you separate, but we know life happens. If you didn't file early, you can still qualify. The important thing is to start whenever you're ready.

What conditions are covered by VA disability benefits?

The VA covers a wide range of conditions outlined in the 38 CFR. This includes things like PTSD, back and knee problems, hearing loss, IBS, migraines, sleep apnea, nerve issues, and many others.

If it started in service or got worse because of service, there's a good chance it can be rated. The list is long, so don't assume your condition isn't covered.

What are presumptive conditions?

Presumptive conditions are health issues the VA automatically assumes are connected to your service based on where you served, when you served, or what you were exposed to. Essentially, over decades of research and VA case law compounds to the point where the government HAS to assume responsibility.

This means you don't have to prove the link yourself. If you meet the service requirements and you have the condition, the VA "presumes" it's related. This makes the process much easier for certain veterans.

What is a secondary condition?

A secondary condition is a health issue that develops because of another service-connected condition. For example, knee problems might lead to hip pain, or PTSD might lead to sleep issues.

Even though the second condition didn't start in service, the VA can still rate it if it was caused or worsened by something they already consider service-connected.

If, after years of having a bad elbow, you have to overcompensate by using your other arm for everything, that other arm could be a "secondary" to the actual arm that was injured in the service.

Disability Ratings & Compensation

Understanding your rating and monthly payments

How does the VA assign disability ratings?

The VA looks at how much your condition affects your day-to-day life, then gives it a percentage. The more it limits you, the higher the rating. Each condition has its own set of rules that the VA uses to decide the percentage.

Some ratings, like most musculoskeletal things, are simply based on range of motion criteria. Others, like diabetes, have a very clear checklist of symptoms you must meet to hit certain levels.

Your ratings can also stack together to give you a combined rating, which isn't just simple math.

If you're not sure how that math applies to you, schedule a consultation with us and we'll walk you through it.

What are the VA disability rating percentages?

VA ratings go from 0 percent to 100 percent in steps of 10. A 0 percent rating means the VA agrees your condition is service-connected, but it doesn't impact you enough for monthly pay. Higher ratings mean more symptoms and more compensation, with 100 percent being the top level of support.

Your rating also affects how your pay changes when you add dependents. Here's a simple example using 2026 numbers just to show how it works:

  • 30% rating with a spouse: $617.79/month
  • 50% rating alone (no dependents): $1,132.90/month
  • 90% rating with a child (no spouse): $2,494.01/month
  • 100% rating with a spouse and one child: $4,318.98/month
How is the amount of monthly compensation determined?

Your monthly compensation is based on your combined VA disability rating and your family status. The higher your rating, the higher your payment. The VA also adjusts the amount if you have dependents like a spouse, children, or parents.

The VA updates these rates every year to match the cost of living. There are additional add-ons like Special Monthly Compensation (SMC) that can add an additional $150 all the way to $12,000 on top of your normal VA pay (but that is a whole different discussion).

Do I have to pay taxes on VA disability benefits?

No. VA disability benefits are tax free. You won't pay federal or state income tax on the monthly payments you receive from the VA. It's one of the few benefits that stays completely tax free no matter your rating.

Can I increase my VA disability rating?

Yes. If your condition has gotten worse or the VA didn't rate it correctly the first time, you can file for an increase. This is where having an independent medical evaluation done in lieu of a traditional C&P exam can dramatically assist you by providing accurate Disability Benefit Questionnaires (DBQs) that reflect the true nature and severity of your conditions.

You'll need to show how your symptoms have changed since your last decision. Many veterans get higher ratings over time as their conditions progress or as better evidence is added.

If you're not sure how that applies to you, schedule a consultation with us and we'll walk you through it.

What is a Compensation and Pension (C&P) exam?

A C&P exam is a medical exam that the VA uses to understand your condition better. Contractors such as QTC and Optum, among others, are paid by the VA to conduct these examinations on their behalf.

It's not regular treatment, and the provider isn't there to fix anything. Their job is to review your history, ask questions, and check your symptoms so the VA can decide your rating. It's basically the VA's way of getting a closer look at what you're dealing with.

What is VA disability back pay and when do I receive it?

Back pay is the money the VA owes you for the time you were waiting for your claim to be decided. It starts from your effective date (the date you submitted your Intent to File (ITF)), not the day they approve you.

Once the VA finishes your claim and gives you a rating, they usually send the back pay in a lump sum. It's basically the VA catching up on what they should have been paying you.

Filing & Evidence

How to file and what you need to support your claim

How do I file for VA disability benefits?

You can file online through the VA's website, by mail, or in person at a VA office. You'll need to list the conditions you're claiming and include any medical records you already have. After that, the VA reviews your claim and may schedule an exam.

It's a straightforward process, but the details can get confusing, so take your time and keep your paperwork handy.

We highly recommend utilizing a Veteran Service Officer/Organization (VSO) to assist you in filing a claim. They are a free filing service that can often be found all around your state. Organizations like the DAV, AMVETS, VFW, and more have representatives who can assist you in submitting claims and navigating the VA forms/website.

What evidence do I need to support my VA claim?

You'll want anything that helps show what you're dealing with and how it ties back to your service. This includes service treatment records, medical records, NEXUS letters, test results, buddy statements, Independent Medical Opinions (IMOs), and notes from your doctors.

You don't need every piece of paper in the world, but the clearer the story, the easier it is for the VA to understand your claim.

If you're not sure what evidence is necessary for your case, schedule a consultation with us and we'll walk you through it.

How long does it take to process a VA disability claim?

Most claims take a few months, but the timeline can vary. The VA has to review your records, schedule exams if needed, and make a decision. Some claims move fast, others take longer depending on how complex they are and how busy the VA is. Just know that waiting is normal in this process.

Typically, in our experience, we see that 2-5 months is perfectly normal. However, it should NOT take the VA any longer than 6 months to make a determination on a basic claim.

Appeals, on the other hand, take on average 3-5 years to adjudicate (which is why we HIGHLY recommend exhausting other avenues before going down that road as a last-ditch effort).

What is an Intent to File?

An Intent to File is a simple way to lock in your effective date while you gather your paperwork. It tells the VA you plan to submit a claim, and it gives you up to a year to file the full thing.

If you're approved, your back pay can go all the way back to the date you submitted the Intent to File. It's quick, easy, and smart to do before starting any claim.

Denials & Appeals

What to do when things don't go as planned

What should I do if my VA disability claim is denied?

Don't panic. A denial doesn't mean you're out of options. You can challenge the decision by filing a Supplemental Claim (a new claim where you submit new evidence that resolves why they denied you in the first place), asking for a Higher Level Review (asking that your claim be sent to a supervisor at the VA for them to make a decision), or appealing to the Board (which should be the LAST ditch effort).

Many veterans win their benefits using one of these methods once the right evidence is added or the VA takes a closer look. The key is not giving up and making sure your case is presented clearly.

If you're weighing your options, schedule a consultation with us, and we'll walk you through it.

Why are VA disability claims denied?

Claims usually get denied for a few common reasons. The VA might say there's not enough evidence, they don't see a clear link between your condition and your service, or they don't think your condition is severe enough for a rating. Sometimes it's just missing paperwork or a misunderstanding.

A denial doesn't always mean the VA is right… It simply means that something needs to be fixed or explained more clearly.

In our experience, the most common reason is a lack of medical evidence or no service connection (AKA - you need a formal diagnosis or a NEXUS letter to resolve this).

What is the VA appeals process?

If you disagree with the VA's decision, you can appeal it through one of three main paths. You can file a Supplemental Claim with new evidence, ask for a Higher Level Review (HLR) where a senior reviewer takes another look, or appeal directly to the Board of Veterans' Appeals.

Each path has its own timeline and purpose, but they all give you a chance to fix issues and get a fair review. The goal is simply to keep the process moving until the VA gets it right.

Just remember that with an HLR or Appeal, you cannot add NEW evidence to your claim - they simply take a deeper look at the case presented. Only a supplemental (which is basically a new claim) allows you to add in new evidence, such as a NEXUS letter or Independent Medical Opinions (IMOs).

How long does the appeals process take?

It really depends on which appeal path you choose. A Supplemental Claim or Higher Level Review can take a few months (2-5 months on average), while a Board appeal can take longer (3-5 years on average).

Some cases move quickly, others take more time depending on how complex they are and how many appeals the VA is handling. It's normal for appeals to take a while, so patience is part of the process.

Special Programs & Benefits

Additional benefits you may qualify for

What is Total Disability based on Individual Unemployability (TDIU)?

TDIU is a benefit for veterans who can't maintain steady work because of their service-connected conditions. You don't need a 100 percent rating to qualify.

If your disabilities make it hard or impossible to hold a job, the VA may pay you at the 100 percent rate through TDIU. It's the VA's way of making sure you're supported when working just isn't possible anymore.

Can I work and still receive VA disability benefits?

Yes. Most veterans can work while getting VA disability. Regular disability ratings don't stop you from having a job. The only time work becomes an issue is if you're receiving TDIU, which is based on not being able to maintain full-time employment. But for standard ratings, working is completely fine.

Remember, VA disability and Social Security disability are two entirely different beasts. Social Security is for DISABILITIES, whereas VA disability is compensation you receive for the military, not returning you to the CivDiv in the same condition they found you.

Can my family members receive VA disability benefits?

Your disability benefits are meant for you, but your family can still be part of the picture. The VA may increase your monthly payment if you have a spouse, children, or dependent parents.

In some cases, certain family members may qualify for their own separate benefits, like education or survivor benefits, but those depend on your rating and situation.

One of the biggest programs is DIC, which stands for Dependency and Indemnity Compensation. This is a tax-free benefit paid to surviving spouses, children, or sometimes parents if a veteran passes away from a service-connected condition or had certain high ratings for a long time. It's the VA's way of making sure your family is taken care of if the worst happens.

What is Concurrent Receipt (CR), Concurrent Retirement & Disability Pay (CRDP), and Combat Related Special Compensation (CRSC)?

Concurrent Receipt (CR) means you can receive both your military retirement pay and your VA disability pay at the same time. In the past, veterans had to give up part of their retirement to get VA benefits, but CR changes that for many retirees with higher disability ratings. It helps make sure you're not losing one benefit just to receive another.

CRDP lets eligible military retirees receive both their full military retirement pay and their VA disability pay without losing money to an offset. It kicks in automatically if you qualify, usually with a VA rating of 50 percent or higher. CRDP is taxable, but it helps restore the retirement pay that used to be reduced because of disability benefits.

CRSC is a special benefit for military retirees who have combat-related disabilities. It lets you receive both your full retirement pay and extra tax-free compensation for the injuries tied to combat, training for combat, hazardous duty, or certain other qualifying events. It's meant to make sure you aren't losing part of your retirement because your disability came from serving in dangerous situations.

Still Have Questions?

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