A Guide to VA Disability: What It Is and Why You Should Apply

What Is VA Disability?

VA disability benefits are payments and services given to veterans who got sick or injured while serving in the military, or whose service made a health problem worse.

The Department of Veterans Affairs (VA) gives monthly tax-free payments to help veterans live better lives. These benefits can also include health care, education help, and more.

Who Can Get VA Disability?

You may qualify if you:

• Served in the U.S. military (active duty, National Guard, or Reserves)

• Have a current physical or mental condition

• Can link your condition to your military service

Examples of service-connected conditions:

• PTSD or depression

• Back or joint injuries

• Hearing loss or ringing in the ears (tinnitus)

• Cancer caused by toxic exposure (like Agent Orange or burn pits)

• Breathing problems from dust or chemicals

You do not need to have been wounded in combat to qualify.

What Are the Benefits?

If your claim is approved, you may get:

• Monthly tax-free payments

• Free VA health care for your service-connected conditions

• Extra money if you have a spouse or children

• Help with education, housing, and job training

• Dental, vision, and mental health care (depending on your rating)

Some veterans can get more help if they can’t work or care for themselves.

Why Should I Apply?

You earned these benefits through your service. Many veterans wait too long or think they don’t deserve help. The truth is:

• Even small injuries or mental health issues count

• You don’t have to be badly hurt to qualify

• You can apply even years after leaving the military

• VA disability can help you and your family have a better life

Even a 10% rating gives you money every month and access to care.

How Much Could I Get?

Monthly payments in 2025 range from:

• $180 for a 10% rating

• Over $3,700 for a 100% rating (more if you have dependents)

Ratings go from 0% to 100%, in steps of 10%. The higher your rating, the more you receive.

How Do I Start?

1. File a claim online at va.gov/disability

2. Or call 800-827-1000

3. Or get help from a Veterans Service Officer (VSO) at no cost: Find a VSO

You will need:

• Your DD-214 (discharge papers)

• Medical records or doctor reports

• Info about your symptoms

What If I’m Not Sure?

You can file an Intent to File. This tells the VA you plan to file a claim soon. It locks in your start date so you won’t lose money while you gather your paperwork.

File an Intent to File:

• Online

• By calling the VA

• Or by submitting VA Form 21-0966

What Happens After I Apply?

1. VA will review your records

2. You may be asked to go to a C&P exam (a medical exam with a VA doctor)

3. You’ll get a decision letter with your rating and benefits

What If I’m Denied?

Don’t give up. You can appeal or add new evidence. Many veterans get approved the second time with the right documents.

Final Thoughts

VA disability is not a handout — it’s something you earned. If your health was affected by your service in any way, you should apply.

You don’t have to do it alone. Free help is available. Start the process today, even if you’re unsure.