Additional Benefits When Rated 100 Disabled By The VA

eBenefit.VA.Gov – A veteran can be rated 100% “Total” without being “Total and Permanent” (T&P). This usually happens when VA considers a disability may improve. You can tell if a 100% grant is Total and Permanent as the decision will approve “Dependents Educational Assistance” and “Chapter 35 Benefits”.

1) VA Co-Pay Reimbursement:

If you have been paying Co-Pays & your new Rating Decision is retroactive then you can ask VA to reimburse you for those payments back to the date of the rating.

2) Dependents Educational Assistance (DEA):

This first proves that VA has deemed your disabilities to be “Total and Permanent” (T&P). It allows your spouse and children to be eligible for certain educational benefits.

A child is authorized 45 months of accredited schooling. VA presently pays a monthly stipend of around $805.00 for a fulltime student. They can receive guidance counseling, tutors, etc.

If VA deems it needful, a student may receive an extension on the initial 45 months.

A qualified student is usually 18-26 years of age, but I’ve seen some using the benefit up to 32. Usually the latter is based on a large retroactive benefit granted to the veteran.

If a child has been in school & then the veteran receives a retroactive benefit that includes that school dates, then the student can file for reimbursement for the months that he/she qualified on the retroactive date.

A spouse can also qualify for schooling.

Keep in mind that this is the student’s or spouse’s benefit drawn on the veteran’s grant. The student/spouse must handle all of the paperwork.

3) ChampVA Health Insurance for the Spouse and Dependent Children:

This is an excellent benefit for the spouse/children. Veterans must receive our care at the VA, but our dependents can receive their care in the private sector. Please DO NOT delay on applying.

ChampVA is located in Denver, CO and they are very easy to work with. ChampVA is the spouse’s benefit so she will have to coordinate with them.

Of course any parent can coordinate for dependent children. The spouse will use the veteran’s Claims File number (in upper right hand corner of the VA Rating Decision letter) in order to make the initial ChampVA application request.

VERY IMPORTANT: If a spouse/children have had any out-of-pocket medical expenses during the time of the veteran’s retroactive grant period they can submit them to ChampVA after being approved and ChampVA will reimburse the expenses. This can be a substantial amount if there have been health issues with the spouse and/or children.

NOTE: ChampVA does not cover Dental, Eyeglasses and Electives.
VA Health Administration Center
P.O. Box 65023
Denver, CO 80206-9023
(800) 733-8387 Fax: (303) 331-7804
Email: [email protected]

Here is their website where can look over the benefits:


ChampVA has a “Meds by Mail” program that is very good.

A new law was passed awhile back that gives the spouse “ChampVA for Life“. There are stipulations if a divorce is involved.

4) Dental Coverage:

All 100% service-connected veterans are allowed dental care.

Note: Veterans going through Vocational Rehabilitation are also eligible for some dental care.

5) VA Insurance:

When a veteran is deemed 100% Schedular or TDIU then VA will grant a $10,000.00 insurance policy and “waive” the premiums. VA criteria states that you must have been granted a “NEW” service-connected condition in the past 2 years to qualify. It cannot be an increase of an existing condition. You have only two years from the time of the decision to apply. Note: VA is now offering this to 70% veterans. The VA insurance division will determine if you qualify.

The key on the application is to write “WAIVED” in the monthly premium amount box when applying for the 10K amount.

VA also offers other small policies, but I hear they are not very competitive.

Call this number and tell them your new rating and that you would like to file for the insurance. It is in Philadelphia:
(800) 669-8477

You can file online:

6) Uniformed Services Identification Cards:

The veteran, spouse and children can apply for this card. They are very similar to our old military I.D. cards. They are issued by the Department of Defense and allow you to access military facilities.

If VA did not attach a letter/application then call your VA Regional Office and ask them to send you a Cover Letter stating simply that you are “100%Total or Total and Permanent”. Be sure they understand that it cannot say anything less than 100%. At the same time ask them for the “Uniformed Services I.D. Card Application“. I would suggest that you do not try filling the application out as it’s one of the most complex one’s I’ve ever seen. Just take it with you when you apply.

VARO: 1-800-827-1000

Once the application and Cover Letter arrives make copies of it so that you will have some extras to provide for other benefits.

Call the administrative department at your nearest Military Base and ask when they do the I.D. cards. I recommend not filling out the application that is provided. It is very complex. Simply take the application and your DD-214 (You), Marriage License (Spouse) and Birth Certificates (Dependent Children). They will make the I.D. cards.

The veteran’s is “PERM” and is for life. The spouse/children I.D.’s are “TEMP” and must be renewed every 5 years.

These cards will say “MWR” on them. This means “Morale, Welfare and Recreation“. You can use facilities at military bases to include: Exchanges, Commissaries and Recreation facilities. The latter can include Tickets for concerts, boating, weight room, etc. You can even rent items like boats, BBQ’s, lawn mowers, rototillers, etc.


To find lots of information on MWR go to:


Then type in MWR.

You can also use the card for hotels/motels. I usually ask them what the rate is for AARP, AAA, etc. When they commit then I ask them for the “Government Rate“. It’s usually a few dollars less.

We are authorized to fly “Space A” on USCG transportation. There are bills in Congress to authorize all services, but it cannot seem to receive enough sponsorship to pass.

You can stay at “Bachelors Enlisted/Officer Quarters” (BEQ/BOQ) on military bases for $15-30 a night or you can use their “Lodging” which can run $45-75. They are nice facilities.

7) Free or discounted Hunting and Fishing License/Tags:

Check your State using the link below:


8) Property Tax Break:

Check your State using the link below:


9) Golden Access Passport:

The name of this pass has been changed, but the benefits are very similar. If you have the old pass then you can use it as the Federal government will not give you a new one.

The new pass is called “America the Beautiful – National Parks and Federal Recreational Lands Pass“.

The pass allows for 50% off Camping/recreation in Federal Parks. Some State and County Parks will honor it. Here is a link. Be sure to take your Rating Decision letter:


Oregon allows disabled veterans (10) free days per month at our State Parks. Some counties have chosen to do the same. Check with your State to see if this is offered.

10) To check for additional State benefits where you live click on this link:


11) Dependency and Indemnity Compensation (DIC):

The DIC “Clock starts Ticking” once a veteran is rated 100% “Total” or “Total and Permanent“. This allows his spouse and dependent children under 18 years of age to receive a monthly benefit if:

a) The veteran passes of a “service-connected” disability within the first 10 years of being rated 100%.

b) If the veteran lives the full 10 years then he can pass of any disability.

Currently the monthly payment for DIC is approximately $1,400.00, so this gives the spouse about 1/2 of the veteran paycheck when he was alive.

12)  Travel Pay: (41.5 cents per mile)

All veterans are allowed travel reimbursement for scheduled VA appointments if they are rated 30% service-connected or higher.

VA will also pay travel pay on a “needs basis”. This means if a veteran is under a certain income level then he/she will be paid for scheduled visits.

VA will pay for travel to “Claims and Pension” (C&P) examinations.

As I said, this is not exhaustive.  We do our best to not only acquire the benefits that are due you, but also to pass along the benefits to other fellow veterans who may not be in the know because VA is not forthright.

13)There is a little known benefit called the “Independent Living Services Program” (ILSP). It is design to assist any disabled veteran to live a better quality of life despite their service-connected disabilities.

The program shows up briefly on the Vocational Rehabilitation Form 28-1900. I believe that VA has changed the wording on the form to further disguise the program. In fact, they changed the name to “Independent Living Program”. Here is a link to the VA Form 28-1900:


You’ll note on the instructions under “Rehabilitation Services” is states the following:

If training is appropriate, VA will provide medical and dental care treatment, employment assistance to get and keep a suitable job, and other services you may need. If a vocational goal is not currently feasible for you, VA may provide services and assistance to improve your capacity for living independently.

The key sentence is in red. There used to be more references, but VA has removed them from the form.

Here is a link to the Independent Living Program on the VA website:


The Independent Living program is to make sure that each eligible veteran is able, to the maximum extent possible, to live independently and participate in family and community life increasing their potential to return to work. Services may include the following:

  • Assistive technology
  • Specialized medical, health, and / or rehabilitation services
  • Services to address any personal and / or family adjustment issues
  • Independent living skills training
  • Connection with community-based support services

eBenefit.VA.Gov  Source: VA Benefits

Finding Jobs for Veterans

eBenefits.Va.Gov – Many veterans feel overwhelmed upon returning home from active duty and beginning the search for full-time work. For many, it is good to be home, but they are at a loss when it comes to where to start when looking for a full-time job.

While some people earn a college degree before enlisting & serving in the military, many join after high school, which results in them feeling like they don’t know where to start when they return.

Most people – including veterans – assume that they must be well-versed in a particular skill, subject or trade to have an enjoyable, successful career. Society constantly encourages the importance of college, internships, and job experience in the field you are pursuing. Although some markets encourage & require these prerequisites, not all fields & companies do.


It is not uncommon for training to be anticipated and offered by employers. There are countless entry-level positions that offer training and do not require specific prior experience in a related field. Depending on the employer and the position, achieving your goal of a full-time career could be as simple as filling out an online application and making a great first impression during an interview. eBenefits.Va.Gov

There are companies and organizations nationwide that open and deeply value the service and dedication of veterans and those who currently serve in the armed forces. Because of their appreciation and gratitude, many employees seek veterans for employees because if their outstanding work ethic and their deep-seated values and principles. eBenefits.Va.Gov

The search for a full-time career could be as simple as searching the Internet for “jobs for veterans” and filling out an online application. There are companies out there that are not only searching for employees, but are supportive of veterans and are searching for veterans for employees.eBenefits.Va.Gov

Do not feel pressure from lack of higher education, experience in a particular field or current position – employers who are searching for quality, reliable employees are generally willing to train these people to work to their full potential.

Take the first step to beginning a full-time career today. It all begins with dedication and determination, something you and other veterans should be familiar with! All you have to do is search and apply – you will be amazed to see that companies and organizations are waiting for you. Search and apply for these positions today – take the first step toward your new career and your new life! eBenefits.Va.Gov

National Agents Alliance is an insurance marketing organization which values the integrity and dedication of veterans. NAA is looking for veterans who are interested in becoming licensed insurance agents through full training and coaching offered by NAA & agent mentors. No prior training or experience necessary – simply visit http://www.jobs-for-veterans.com to learn more about NAA & the positions available, and to submit your online application today!

Veterans Today: Military Veteran Organization-Types and Functions


During this article we will look at what a Military VeteranOrganization does & why they were set up. We like also
look at some different organizations which can be found in the US.veterans today

Lots of these organizations have been set up as non profit organizations in order to help those veterans who have left
military service. They will usually provide such information on programs that have been set up for VA’s in order to help them in getting jobs etc., as well as telling them about what benefits they are entitled to. There have
been many set up over the years including ones more recently
for those members of the USA military who have returned from
either the Gulf or Iraq wars.



Today the most major veteran’s organizations to be found in
the U.S are:-

1. Veterans of Foreign Wars (V.F.W)

2. The American Legion


4. Disabled American Veterans

5. Jewish War Veterans of the USA

6. Catholic War Veterans

7. American Ex-Prisoners of War

A veteran is someone who has served in the armed forces and
has then been honorably discharged. However, there’s a
common misconception that a veteran is someone who has
either been in combat (taken part in a war etc.,) or has
retired from active duty.


We will now look in more detail at a couple of the military
veteran organizations from the list above.

1. Veterans of Foreign Wars (V.F.W)

This organization is made up of both current & former
members of the US Armed Forces. In order to be eligible for
membership to this organization an individual must have
earned a US Government issued overseas expeditionary or
campaign medal. It became US Government chartered non profit
organization by an act of the U.S Congress in 1936. It was
first formed in 1914 from the merger of two prior veterans’
organizations which both arose in 1899.


Today the VFW works on behalf of American veterans by
lobbying Congress for better veterans’ health care and
benefits. It also has a nationwide organization of employees
and volunteers who help veterans with any VA disability
claims. Plus they also donate hundreds of thousands of
dollars as well of millions of hours for community service.


The American Veterans (AMVETS) is a volunteer led
organization which was formed by World War II veterans and
will accept those veterans who have been honorably
discharged from the armed forces. It is one of the most
respected organizations in the US today and provides not
only support for veterans but also active military in order
to procure their earned entitlements.eBenefits.Va.Gov

As like the VFW it is politically active and will lobby
congress in order to get better treatment and facilities for

So as you could see from above there is much more to the
military veterans organization rather than just being a
place where old war buddies can meet up.

Dee Cohen is a writer at [www.mountcollectables.com/loans/equity-home-loan-services.html] . Stop by to find out more on Loan and Finance Matters [www.mountcollectables.com/loans/equity-home-loan-services.html] eBenefits.Va.Gov

The President Speaks at the 116th National Convention of the Veterans of Foreign Wars

Veteran Home Loans: Regular Purchase

eBenefits.Va.Gov – Veteran Home Loans offer a veteran up to 100% of the cost of a home. It means that a veteran doesn’t have to make payment out of his own pocket. He simply has to prove his eligibility to avail of these government loan benefits by producing certain required documents. He must present a letter issued by the defense department certifying that he has a certain number of years of service with the American Military. This is called a Certificate of Eligibility. It will also state that the veteran has conducted himself honorably during the tenure of his service & that his discharge from the US Military service was on regular grounds. The following persons also qualify for this type of veteran loan:

• Surviving spouses.

• Service members who have been on active duty. This includes officers of the public health service who were commissioned for duty, including those who work in the National Oceanic & Atmospheric administration.

• Reserve and National Home Guards who had to perform active duty. eBenefits.Va.Gov


The entire process of applying for Veteran Home Loans is simple. The first step is to get in touch with a professional lender who will examine your documents and establish your eligibility including the fact that the government loan that you are planning to apply for is for the home where you will be living in. Of course, it goes without saying that the cost of the unit that you plan to purchase must be equal to or more than the amount of loan that you are applying for. Besides he will also examine your income statement which should reveal that you would be able to comfortably meet the monthly-equated installments and have sufficient balance in your income after the monthly re-payment to run your home easily as well as to meet all minor eventualities. eBenefits.Va.Gov

Some of the special benefits of the Veteran Home Loans for the veterans are summarized below-

1. They can borrow up to maximum limit of $417,000.eBenefits.Va.Gov

2. This veteran loan program does not require any initial payment from the veteran.

3. The U.S. Government will establish certain limits to the amount of closing costs and origination fees that the lenders charge, as well as their fees. These limits will be usually in favor of the borrowers.

4. The borrower is absolved from having to pay the cost of private mortgage insurance.

5. These Government Loans can be finalized within a week to ten days.


Get Yourself a VA Loan

eBenefits.Va.Gov – Have you spent time in the past serving our country? We owe you mountains of gratitude for your own brave service. Now that you are out of the service, there are some things that we are trying to do even to repay you in little ways for all the great things you have sacrificed for us. If you are having trouble making ends meet with the money that you’re receiving, then perhaps you could benefit from taking out a veteran loan. eBenefits.Va.Gov

va loanThese va loans are available to those individuals who have served our country during times of war as well as during times of peace. There are many specifications as to who can qualify for these types of loans. All of the information that you could want will be at the US Dept of Veterans Affairs web-site. There are factors such as if you were honorably discharged & how many days you were actually in the service. Take a minute to look up the requirements and ask yourself if you meet those criteria. If you do, you can take the next step of applying for a veteran loan.’


This is one way that you can get lower interest rates and therefore lower your monthly payments in order to have a better financial outlook for the future. You can apply for one of these veteran loans right on the computer if you have access to the internet. It will only take about 24 hours until we get back to you with more information about your application. It is so simple and you shouldn’t wait another minute before deciding if a veteran loan is a good choice for you.


Low VA Rates ( http://www.lowvarates.com/ ) can helps its clients find lowrate veteran loans.

Billings Farnsworth is a freelance writer.