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Your disability rating is a key that unlocks different benefits at each level. Pick your combined rating, toggle P&T or TDIU, and see exactly what you qualify for, what each is worth, and how to claim it.
VA benefits unlock in tiers. A 10%rating starts tax-free compensation, the VA home-loan funding-fee waiver, and VR&E. 30% adds pay for dependents and the non-competitive federal hiring authority. 50% removes all VA copays (Priority Group 1). 100% P&T unlocks the big ones: CHAMPVA and Chapter 35 for your family, VA dental, Space-A travel, and federal student loan discharge. TDIU reaches the 100% level even at a lower schedular rating.
Sources: VA.gov — disability benefits and eligibility, VA.gov — health care priority groups, StudentAid.gov — TPD discharge
$3,938.58/mo · $47,263/yr, tax-free
Veteran alone; add-ons apply at 30%+ with dependents. Run your exact rate
At 100% Permanent & Total, you unlock 16 rating-based federal benefits on this list.
Dollar figures are illustrative ranges from published VA data, not a guarantee. Every threshold and rate is cited on the benefit. Grants and allowances that depend on a specific injury are listed separately below.
These key off a particular injury or loss, so they can apply at any rating if you meet the condition.
Many states fully or partially waive property tax for disabled veterans, often at 100% or P&T. Thresholds and amounts differ by state — there is no federal rule.
Compare your state's veteran benefitsNo. TPD discharge requires 100% Permanent & Total OR TDIU. A schedular 70/80/90% does not qualify. TDIU counts even though the schedular rating is below 100%. Private loans are never covered, and applying is free at StudentAid.gov.
A 50%+ rating (or unemployability) puts you in Priority Group 1, waiving copays for both care and prescriptions. Care-only copays are already waived at 10%+, but medication copays are removed at 50%+.
No. Since January 1, 2020, any service-connected rating (including 0%) gets commissary, exchange, and MWR access. The old "100% only" rule no longer applies.
Largely yes. TDIU pays at the 100% rate, and when permanent it unlocks P&T-gated benefits like CHAMPVA, Chapter 35, and student loan discharge. Use the TDIU toggle above to compare.
Not sure of your rating? Use the VA Combined Rating Calculator first, then come back here.
Just reached 100% P&T? See the 100% P&T benefits checklist for the clothing allowance, CHAMPVA, SMC, and the other benefits to claim next.