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A 100% Permanent & Total rating is paid for life, with no re-exams. Add your state property-tax exemption and dependent education, and the lifetime value is bigger than most veterans realize. Estimate yours below.
| Monthly compensation for life ($4,158/mo × 40 yrs) | $1,995,922 |
| Property-tax exemption (Texas)$5,600/yr × 40 yrs | $224,000 |
| Dependent education (Chapter 35 / DEA) est., 0 children | $0 |
| Total estimated lifetime value | $2,219,922 |
How this is estimated. Compensation uses the 2026 100% rate for your dependent status (effective Dec 1, 2025, VA source). Property tax uses your state's verified disabled-veteran exemption and statewide average rate — county rates vary. Education is a rough Chapter 35 estimate ($1,536/mo × 36 months per child).
These are nominal dollars in today's terms — no inflation, COLA, or investment growth is modeled, and P&T compensation actually rises with COLA each year, so the real figure is typically higher. This is a planning estimate, not financial or tax advice. See the state finder and a free VSO.
Not yet at 100%? See TDIU (100% pay without a 100% rating), the SMC calculator (pays above 100%), and the 100% P&T benefits checklist.