Many veterans reach out with a familiar question: What’s the difference between a static rating and a Permanent & Total (P&T) rating?

You might wonder:

• Why doesn’t my benefit letter say P&T even if I have static conditions?

• How do I know if my rating is protected from future reviews?

This article breaks it all down—so if you’ve been confused, you’re not alone.

What Does “Static” Really Mean?

When the U.S. Department of Veterans Affairs (VA) labels a condition as static, it means they believe it’s unlikely to improve over time. But here’s what that does not mean:

• It does not mean the rating is permanent.

• It does not mean the rating is protected from future review.

For example, let’s say you have a 30% rating for migraines. If the VA marks it as static, they’re saying they don’t plan on scheduling future exams—for now. But if you file for an increase or new medical evidence appears suggesting improvement, they can reexamine and potentially reduce your rating.

🔍 Key takeaway: Static = Not expected to improve. But it’s not locked in.

Permanent and Total Ratings (P&T) Explained

A Permanent and Total (P&T) rating is when the VA concludes that:

1. Your service-connected conditions are unlikely to improve.

2. Your combined rating is 100% (either schedular or via Total Disability Based on Individual Unemployability (TDIU)).

3. The VA has no plans for future exams.

P&T status provides strong protections and benefits, such as:

• State-level property tax exemptions (varies by state)

• Chapter 35 – Dependents’ Educational Assistance

• CHAMPVA healthcare coverage for eligible family members

• No future C&P exams

• Peace of mind knowing your rating is locked in

Static vs. P&T: What’s the Difference?

It’s easy to assume that if your condition is labeled static, you’re P&T. But that’s not always the case.

The VA only marks you as P&T in your VA Benefit Summary Letter if:

• You’re 100% schedular OR

• You’re receiving TDIU

For example:

You have 70% PTSD (static) and 20% for a back injury (not static). Your total rating is 80%. Your summary letter won’t say P&T—because your combined rating isn’t 100%, even if your PTSD is static.

🛑 Important: A static condition means “no planned reexams right now.” It does not mean your entire disability rating is protected, nor does it qualify you for P&T benefits.

How to Check If You’re Static or P&T

You have three reliable ways to check your rating status:

1. Review Your VA Decision Letters

Look for language like:

• “No future exams scheduled”

• “Condition is static”
  
  These phrases indicate a static condition, but not necessarily P&T.

2. Check Your VA Benefit Summary Letter

Visit VA.gov and sign into your VA.gov account to download your benefit summary letter.

If it says you are Permanent and Total, and your combined rating is 100%, then you’re officially P&T.

3. Request Your VA Code Sheet

This internal document shows:

• All your rated conditions

• Which ones are static

• Whether you’re officially marked P&T

You can request this by:

• Submitting a Freedom of Information Act (FOIA) request

• Visiting your VA Regional Office

• Asking a Veterans Service Officer (VSO) with VBMS access if they can pull it up

📝 Some veterans say it can pop out from a printer behind the scenes—so it never hurts to ask!

Why Knowing the Difference Matters

Understanding the difference between static and P&T is critical.

• A static rating can still be reexamined.

• A P&T rating is protected from reduction and comes with major added benefits.

And with recent reports from the VA Office of Inspector General (OIG) showing inappropriate reexaminations, it’s more important than ever to verify your status. Don’t get blindsided by a surprise review.

Conclusion and Next Steps

Let’s recap:

• Static = Condition not expected to improve, but not fully protected.

• P&T = 100% protected, with no future exams, and additional state and federal benefits.

If your benefit letter doesn’t say “Permanent and Total,” and you’re not rated 100% (or on TDIU), then you’re likely not P&T—even if some conditions are static.

🛡️ Stay informed. Double-check your status. Knowing where you stand can prevent headaches and help you fight back if the VA gets it wrong.

📌 Additional Resources:

• VA Disability Compensation Overview

• How VA Calculates Combined Ratings

• CHAMPVA Eligibility & Application

• Educational Benefits for Dependents (Chapter 35)

• Find a VSO Near You

⚠️ Disclaimer:

This article is for informational purposes only and does not constitute legal or professional advice. Veterans should consult directly with the U.S. Department of Veterans Affairs, an accredited Veterans Service Officer (VSO), or a qualified attorney for personalized assistance regarding their VA claims and rating status. Information may change and should be verified with official VA resources.

In a move that’s left veterans groups, housing advocates, and thousands of former service members concerned, the U.S. Department of Veterans Affairs (VA) has announced that it will end the Veteran Affairs Servicing Purchase (VASP) program—a key mortgage relief initiative created in response to its own prior missteps during the COVID-19 pandemic.

For many, this decision is more than a policy shift—it’s a potential turning point that could result in tens of thousands of veterans losing their homes.

What Happened?

Roughly a year and a half ago, during the aftermath of the pandemic, the VA made a sudden and highly criticized decision to end its COVID forbearance relief options, which had allowed veterans to pause their mortgage payments and tack them onto the end of their loan.

The abrupt halt came with no viable alternative, stranding thousands of veterans—many of whom were still recovering financially. Without a clear path to get current on their mortgages, veterans faced foreclosure or were forced to sell their homes.

After significant public pressure and a wave of veteran foreclosures, the VA implemented a stopgap solution: VASP. This program allowed the VA to purchase delinquent loans from mortgage servicers and offer affordable, low-interest payments directly to veterans. With rates as low as 2.5%, it helped more than 17,000 veterans avoid foreclosure.

But now, that lifeline is being pulled.

When Will the Program End?

According to the VA’s recent announcement on April 3, 2025, the VASP program will stop accepting new applications beginning May 1, 2025.

Their reasoning? The VA states it is “not set up or intended to be a mortgage loan restructuring service.” That has left many wondering: What’s next for veterans still at risk?

A History of Missteps

This latest announcement marks yet another chapter in a series of mismanaged efforts by the VA surrounding veteran mortgage relief.

To recap:

• During COVID, veterans were offered forbearance—an agreement with lenders to skip payments and add them to the end of the loan.

• In October 2022, the VA abruptly ended the partial claim program, which was the main tool for adding missed payments to the back of the mortgage.

• This left around 40,000 veterans without an affordable way to catch up, leading to a spike in foreclosures.

• VASP was created in response, offering relief to some—but not all—veterans in need.

Why Veterans Advocates Are Concerned

While the VA says it needs to step back from managing mortgages directly, no alternative relief program has been announced, and Congress has not passed new legislation to replace VASP.

Veterans groups and housing advocates are urging the VA to restore the partial claim option, which is still available to civilians through FHA, Fannie Mae, and Freddie Mac-backed mortgages. That method allows homeowners to move missed payments to the end of their loan term and resume payments—without the government needing to hold the loan.

Elizabeth B., representing the Mortgage Bankers Association, said it bluntly:

“Cutting the VASP program—especially before the VA stands up an alternative—would have one clear result: foreclosure. Period.”

A Bipartisan Push for a Replacement

Some Republican lawmakers, including Rep. Mike Bost (R-IL) and Rep. Derrick Van Orden (R-WI), have voiced their disapproval of VASP, but support a return to the partial claim system.

They argue it would provide veterans with relief while keeping the loan in the hands of traditional mortgage servicers—limiting government exposure while protecting veterans from losing their homes.

However, the Biden administration has stated that Congress must pass legislation to authorize such changes. Until that happens, the future remains uncertain for those who are still underwater on their loans.

Resources for Veterans in Need

If you or a fellow veteran is navigating this complex housing situation, there are still resources and trusted advisors who can help.

One of them is David Pekich of VA Housing Education—a veteran and long-time advocate for fair housing solutions. Whether you’re trying to refinance, lower your payment, convert your property into an investment, or just need honest guidance, David can provide clarity and options tailored to veterans.

With interest rates showing signs of decline, now may be a smart time to explore refinancing, especially with VASP coming to an end.

Final Thoughts

The VA’s decision to end the VASP program without a clear replacement once again puts thousands of veterans in a precarious position. Many are still dealing with the lingering effects of the pandemic and prior policy reversals.

For generations, the VA home loan program has been a powerful tool for building stability and wealth among those who’ve served. But unless the VA and Congress act swiftly to restore or replace critical relief options, that legacy may be tarnished for many.

💬 What Can You Do?

• Share this article with a fellow veteran or family member who might be affected.

• Contact your Congressional representatives to advocate for the reinstatement of partial claim options.

• Reach out to VA loan experts if you’re unsure about your mortgage options.

⚠️ Disclaimer:

This article is for informational purposes only and does not constitute legal, financial, or housing advice. VeteransBenefitsHub.com is not affiliated with the Department of Veterans Affairs. Veterans experiencing mortgage distress are encouraged to contact the VA directly or speak with a certified housing counselor or VA loan expert.

More Resiurces about this topic: Militarytimes.com

A recent interveiw with powerhouse advocate for Veterans—Kate Monroe, the founder and CEO of VetComm, an organization that has been delivering truly life-changing results for thousands of Veterans across the country.

Kate wears two hats: entrepreneur and Marine Corps veteran, and she brings that tenacity and drive to everything she does, especially in her mission to serve those who’ve served.

🎙️ The Journey to VetComm

VIT: Kate, thank you so much for being with us today. You’ve been incredibly busy, so we’re grateful you made the time.

Kate Monroe: I’m so excited to be here. I can’t wait to chat!

VIT: Let’s dive right in. VetComm has been an absolute game-changer for Veterans. I’ve been looking for a partner like you for years, and I’m so glad we connected. Tell us—who is Kate Monroe, and how did VetComm begin?

Kate: I’m a proud Marine Corps veteran, now rated at 100% disability—but that wasn’t always the case. I grew up in a small town, went to college, and then made the bold decision to join the military. The Marine Corps, as you can imagine, is tough for anyone, but especially for women. I faced significant hardships, including being assaulted and suffering severe physical injuries—broken bones, emotional trauma—you name it.

When I left the service early, I had this overwhelming sense of unfinished business. I’ve always been someone who finishes what I start. I went on to become an entrepreneur and even opened a car dealership just before COVID hit (great timing, right?). But it ended up being the only dealership open in my area, and that’s when something incredible happened.

Veterans began showing up to buy cars, and I noticed many weren’t even aware of the VA benefits they were entitled to. I started asking questions and helping them file claims. That snowballed. I helped over 200 Veterans get the compensation they deserved. Soon, they were sending friends and family. That’s when I realized—we had a real problem in the system, and I was the woman to solve it.

💡 VetComm’s Mission and What Sets It Apart

VIT: What an amazing story. The awareness problem is huge—Veterans not knowing they’re eligible, or being told they don’t deserve it. Unfortunately, there are a lot of bad actors out there who prey on Veterans. What makes VetComm different?

Kate: That’s a critical question. First, I always say there are four options when it comes to VA claims:

1. Do it yourself (often leads to analysis paralysis).

2. Go to a VSO (Veteran Service Officer) who might be overworked or undertrained.

3. Hire a law firm or predatory company that could cost $10,000–$15,000.

4. Work with VetComm.

We’re different because we’re all-in with you. We don’t just email instructions and wish you luck. We hold your hand through the entire process—from logging into VA.gov, filing your intent to file, taking a full inventory (head to toe, physical and mental), prepping for your exams, and beyond.

We prepare you for every step, especially when it comes to sensitive issues like PTSD or military sexual trauma. Our staff is heavily trained to support Veterans in a way that is empathetic, empowering, and effective.

We charge a flat fee upfront—$1,200 one-time, or 3 payments of $500, or 6 payments of $350. Why? Because we don’t believe in taking back pay that belongs to you. That’s your money. We invest our resources upfront to deliver fast, accurate results. And we’re proud of it.

⏱️ Fast Results and Real Support

VIT: One of the things I respect about VetComm is your proactive, full-spectrum approach. You don’t just chase one condition—you help Veterans file a strong, comprehensive claim the first time.

Kate: Absolutely. Our average turnaround time for a rating decision is just four months. That’s lightning fast in the VA world. Why? Because we prepare every claim like it’s going to be reviewed tomorrow. We help Veterans gather their medical evidence upfront, and we teach them how to communicate effectively during their exams.

This isn’t just a business for us—it’s a mission.

🔍 What Veterans Can Expect

VIT: For Veterans who are nervous or unsure—what can they expect when they first reach out to VetComm?

Kate: Great question. Here’s how it works:

1. Submit your info online.

2. A team member will call you to learn more about your service and current VA status.

3. You’ll have a detailed discovery call with a specialist who will help take a full inventory of your conditions, explain how your military experience connects, and identify potential claims or secondary issues.

4. They’ll walk you through our process and invite you to enroll.

5. If you say yes, your first appointment is scheduled right then and there—typically within 72 hours.

From there, you’re fully supported. We handle the tech, the paperwork, the strategy, and most importantly—we help reduce that Veteran anxiety and fear of the unknown. We’re like the Fast Pass at Disneyland, getting you to the front of the line.

❤️ The Impact

VIT: Final thoughts, Kate?

Kate: We’ve helped over 10,000 Veterans last year, and we plan to help 25,000 this year. Our total impact is now over $2.3 billion in lifetime earned benefits for Veterans. We’ve had Veterans say things like, “Thanks to you, we can afford the good cheese now.” That’s what this is about—dignity, security, and justice.

🧠 Key Takeaways

• VetComm offers comprehensive, personalized claim support from start to finish.

• Their flat-fee, upfront model prevents exploitation and ensures you’re treated like a client—not a case number.

• Fast results (4-month average) and exceptional customer service set VetComm apart.

• With over $2.3 billion secured in benefits, their track record speaks for itself.

🚨 DISCLAIMER:

VeteransBenefitsHub.com is not affiliated with the U.S. Department of Veterans Affairs (VA) or any government agency. The information provided in this article is for educational purposes only and does not constitute legal or financial advice. Always consult with an accredited VA representative or attorney before making decisions regarding your benefits. VetComm is a private organization that charges fees for its services.

There are Three Reasons You Must Monitor Your VA Medical Records

Keeping track of your VA medical records is crucial for successfully managing your VA disability claims. Monitoring your records helps you ensure accuracy, maintain comprehensive documentation, and catch any issues that could negatively impact your claim. Below are three essential reasons why you need to regularly check your VA medical records.

1. Confirming Your Diagnosis

The first reason to monitor your VA medical records is to verify that you actually have a diagnosis for the disability you plan to claim. Many veterans make the mistake of assuming that a problem listed in their records automatically means a diagnosis. However, the “Problem List” in your records does not necessarily translate to a diagnostic code that the VA will recognize for rating purposes.

To verify your diagnosis:

• Access your records via your My HealtheVet premium account.

• Download your medical records by selecting the date range and reviewing the entries.

• Use the Ctrl + F or Command + F feature to search for specific terms (e.g., “PTSD”).

If you cannot find a clear diagnosis, it may not exist. A current diagnosis is crucial and should ideally be within the last 6 months. If you cannot find the diagnosis for your condition, that is your first red flag, and you must address it immediately. Without a valid diagnosis, your claim will almost certainly be denied.

2. Ensuring Accurate Symptom Reporting

The second reason to review your medical records is to ensure that your symptoms are accurately documented. Even if your diagnosis is correct, inaccurate or incomplete symptom reporting can harm your claim.

Take these steps to verify accuracy:

• Regularly check your records after appointments to confirm that your reported symptoms are accurately recorded.

• Use secure messaging to communicate symptoms and concerns to your healthcare provider. This serves as subjective medical evidence and should be documented in your medical file.

• If you notice inaccuracies or omissions, address them with your healthcare provider immediately.

Unfortunately, errors and discrepancies are not uncommon in VA medical records. Healthcare professionals sometimes document information that does not reflect your actual condition, either by mistake or because they are not held accountable. If your records contain inaccuracies, consider seeking a second opinion from a private physician to establish an accurate medical history.

3. Verifying Your Nexus Statement

A nexus statement is critical for establishing a connection between your disability and your military service. This statement is essentially a medical opinion that links your current medical condition to an in-service event, injury, or illness.

Here’s how to verify your nexus statement:

• Review your medical records to see if a doctor has noted a direct or secondary connection between your service and your condition.

• If the nexus statement is absent or unclear, seek a private medical opinion to strengthen your case.

• Keep your records up to date, especially if you receive new treatments or diagnoses from private doctors.

For example, I once struggled with plantar fasciitis in both feet. My private podiatrist documented that my right foot pain was caused by overcompensation from my left foot injury. This written nexus was invaluable in supporting my secondary service connection claim.

Why Staying Vigilant Matters

Monitoring your VA medical records is not just a precaution—it is essential for protecting your benefits. A single error or missing statement can lead to a denied claim or a rating reduction. To avoid unnecessary setbacks, regularly patrol your records for diagnosis accuracy, symptom documentation, and nexus verification.

If you find weaknesses or inconsistencies in your records, take action by seeking private medical opinions and updating your VA records. Doing so can mean the difference between securing your deserved benefits and facing a lengthy appeals process.

Disclaimer

This article is an opinionated piece and reflects the personal experiences and perspectives of the author. It is not intended to serve as professional legal or medical advice. Always consult a qualified professional for guidance related to your specific situation.

The Veterans Health Administration (VHA) has been evolving over the years, especially with the introduction of the Mission Act. One of the most significant aspects of this act is expanding VA Community Care, allowing veterans to access healthcare services outside of VA facilities. In this guide, we’ll break down how community care works, who is eligible, and why staying connected with your local VA is crucial.

What Is VA Community Care?

VA Community Care allows eligible veterans to receive healthcare services from approved non-VA providers. This option exists when VA facilities cannot offer the needed care or when it is in the veteran’s best medical interest to seek treatment elsewhere.

The concept of Community Care was solidified with the VA MISSION Act of 2018, which built upon previous initiatives to streamline veterans’ access to healthcare. The act clarified how veterans could seek care outside the VA and ensured that eligible veterans could access services in a timely and efficient manner.

Why Staying Connected to Your VA Matters

Even if you don’t need immediate care, maintaining regular contact with your VA facility is essential. Visiting at least once a year ensures that your eligibility for Community Care remains intact. If you haven’t been to a VA clinic in over a year, accessing Community Care might become more challenging. In some cases, re-establishing care might involve lengthy appointment wait times or even visits to an emergency room just to restore eligibility.

Eligibility Requirements for VA Community Care

To be eligible for Community Care, veterans must meet two basic requirements:

1. Enrollment in VA Healthcare: You must be enrolled or eligible for VA healthcare. If not yet enrolled, you can do so by submitting Form 10-10EZ on the VA’s website.

2. Approval from a VA Healthcare Team: Before receiving care from a community provider, you must obtain approval from your VA healthcare team. Attempting to seek care without prior authorization will result in the VA denying payment.

Additionally, veterans must meet at least one of the following criteria:

• Service Not Provided by the VA: If the VA does not offer the necessary medical service, Community Care may be approved.

• State or Territory Lacks Full-Service VA Healthcare: If you reside in a state or territory without full-service VA facilities (e.g., Alaska, Hawaii, Guam), you may qualify for Community Care.

• Distance Requirement Met: Veterans residing in Alaska, Montana, North Dakota, South Dakota, or Wyoming who met the 40-mile distance rule on June 6, 2018, may still qualify.

• Drive and Wait Time Standards:

  • Primary or Mental Healthcare: If the VA cannot provide an appointment within 30 minutes of drive time or 20 days from the request, Community Care may be authorized.

  • Specialty Care: If specialty care (e.g., cardiology) cannot be scheduled within 60 minutes of drive time or 28 days, veterans may use Community Care.

• Best Medical Interest: If your VA provider believes that specialized care is better served by a community provider, they may recommend Community Care.

• Quality Standards Not Met: If your local VA facility does not meet quality standards for the required treatment, you may receive authorization for community-based services.

Examples of VA Community Care Eligibility

Here are some real-world examples of when Community Care might be necessary:

1. Service Unavailable at VA: You require dialysis, but your local VA facility does not provide it.

2. No Full-Service Facility Nearby: You live in a remote state or territory without a full-service VA hospital.

3. Distance Rule Compliance: You live in a rural state and previously qualified under the 40-mile distance rule.

4. Drive and Wait Time:

   • Primary or Mental Healthcare: No appointment within 30 minutes or 20 days.

   • Specialty Care: No appointment within 60 minutes or 28 days.

5. Best Medical Interest: You need specialized care not available at your local VA.

6. Quality Standards Issue: The VA facility near you does not meet quality standards for your required treatment.

Final Thoughts: Navigating Community Care

Community Care can significantly impact veterans who need timely, specialized, or conveniently located healthcare. However, there are important steps to follow to ensure eligibility and approval. Always consult your VA healthcare team before seeking community-based services, and stay informed about your rights and requirements under the MISSION Act.

Disclaimer

The information provided here is intended to be a general guide and may not cover every situation. The VA healthcare system is complex and subject to change. For the most current and personalized information, visit the official VA Community Care page or consult with your local VA facility.

Introduction

Welcome to VeteransBenefitsHub.com! Today, we’re diving into a topic that often confuses veterans: VA lawyers and when you can use them. To help clarify this, we’ve brought on an expert, VA Lawyer, an accredited VA attorney.

Understanding VA Lawyers and Claims

Interviewer: Thanks for joining us today, Benjamin. Can you tell us a little about how veterans can navigate the VA claims process?

VA Lawyer: Thanks for having me. The VA claims process can be overwhelming and confusing. One of the most important things to understand is that medical evidence is at the core of most claims and appeals. If you want to learn more or need assistance,

When Can You Hire a VA Lawyer?

Interviewer: One common question we get from veterans is about hiring a VA lawyer right at the start of their claim. Can a veteran hire a lawyer as soon as they decide to file?

VA Lawyer: That’s a great question. Unfortunately, the answer is no. Veterans lose the right to hire a lawyer for initial claims when they leave the military. The VA system was set up this way to limit legal involvement early in the process.

However, once the VA has made a decision on your claim and you disagree with that decision, you can hire an attorney to represent you during the appeals process. This change was made with the Appeals Modernization Act of 2019, which allows veterans to hire an attorney as soon as the agency has issued an unfavorable decision.

Why Was the Law Changed?

Interviewer: What led to this change in the law allowing veterans to hire attorneys for appeals?

VA Lawyer: Historically, veterans couldn’t hire attorneys to handle their cases, even after receiving a denial. The Court of Appeals for Veterans Claims was established in 1988, and even then, veterans couldn’t hire attorneys until they filed a Notice of Disagreement.

In 2019, the Appeals Modernization Act allowed veterans to hire an attorney as soon as the VA built a case against them. The VA system has long been dominated by Veterans Service Organizations (VSOs), who fought hard to keep attorneys out of the process. Ironically, many cases where veterans finally achieved justice were those where attorneys got involved.

Comparing VSOs and VA Attorneys

Interviewer: How do VA attorneys differ from VSOs or CVSOs in helping veterans with their claims?

VA Lawyer: One of the biggest differences is fiduciary duty. A VSO or CVSO often works directly for the government or receives support from government resources. This can sometimes create a conflict of interest since they have a duty to both the veteran and the agency.

On the other hand, a private VA attorney works solely for the veteran and has a fiduciary duty to advocate for them without any conflicting obligations. This means that the attorney’s loyalty is always to the veteran, which can be crucial in complex cases involving Traumatic Brain Injury (TBI), Special Monthly Compensation (SMC), or mental health claims.

Is Self-Representation an Option?

Interviewer: Should veterans try to represent themselves before hiring an attorney?

VA Lawyer: It depends on the complexity of the case. Simple claims, like basic disability ratings, might be manageable without legal assistance. However, complex claims or cases involving multiple conditions can benefit from professional legal representation.

Additionally, it’s crucial to stay actively involved in your claim, regardless of whether you use a VSO, CVSO, or attorney. No one will care more about your case than you do. Understanding the process and gathering solid evidence are key to success.

Final Thoughts

Interviewer: What advice would you give to veterans who feel overwhelmed by the VA claims process?

VA Lawyer: Educate yourself as much as possible.  Whether you decide to work with a VSO, CVSO, or attorney, your involvement and knowledge will significantly impact the outcome.

Conclusion

Navigating the VA claims process can be daunting, but understanding your rights and knowing when to hire an attorney can make all the difference. For more insights and assistance, visit Office of General Counsel or continue exploring helpful content here on VeteransBenefitsHub.com.

Stay informed, stay proactive, and never hesitate to reach out for support!

Disclaimer

The information provided in this article is for general informational purposes only and does not constitute legal advice. While we strive to provide accurate and up-to-date information, laws and regulations regarding veterans’ benefits and the VA claims process can change.

Consult a qualified VA-accredited attorney for personalized legal advice specific to your situation. Neither VeteransBenefitsHub.com nor the interviewee assumes any responsibility or liability for any decisions made based on the information presented.

For legal guidance regarding your specific VA claim or appeal, please seek assistance from a qualified legal professional.

For many veterans, the biggest challenge in securing disability compensation from the Department of Veterans Affairs (VA) is proving that their condition either manifested during or resulted from their time in service. This connection between your military service and your disability is known as the Nexus.

What is a Nexus?

A Nexus is essential in almost all disability claims unless your condition is on the VA’s presumptive conditions list. A presumptive condition is a diagnosis the VA automatically considers service-connected due to certain exposures or circumstances during military service. Examples include Agent Orange exposure in Vietnam or burn pit exposure during the Gulf War.

If your condition is not on the presumptive list, you must establish a clear link between your service and your disability. This link is called the Nexus, and it can be supported by various types of evidence, including a Nexus letter from a medical professional.

Why Many Veterans Lack a Nexus

During your service, you may have been encouraged not to seek medical attention for minor issues, instead choosing to “push through” with over-the-counter medications like Motrin and simply “keep going.” Unfortunately, this means that many veterans do not have documented medical records to prove their conditions began or worsened during service.

How to Establish a Nexus Without a Nexus Letter

If you were diagnosed with a condition while in service, that diagnosis itself forms the Nexus. However, if you were not diagnosed during service, you will need to build a bridge of evidence to connect your condition to your military time.

Types of Evidence You Can Use:

1. Lay Evidence: Personal statements that detail your condition and how it started or worsened during your service. For instance, explain how you managed migraines with over-the-counter medication during your time in the military.

2. Buddy Statements: These are statements from fellow service members who witnessed your condition. You may also include statements from family or friends who noticed a change in your health after your service.

3. Medical Records: Even if not from your time in service, medical documentation that correlates with your lay or buddy evidence can strengthen your claim.

Buddy Statements: Finding Your Witnesses

If you are struggling to find individuals who served with you, consider using resources like Together We Served (TWS). This online platform helps veterans reconnect with fellow service members and can aid in gathering buddy statements.

Additionally, local veteran service organizations (VSOs) such as the American Legion, Veterans of Foreign Wars (VFW), Disabled American Veterans (DAV), and others can provide support and guidance.

Getting a Nexus Letter

A Nexus letter is a medical opinion from a qualified healthcare provider that explicitly states the link between your condition and your military service. While it is not required, a well-drafted Nexus letter can significantly improve your chances of getting your claim approved.

Consider using services like American Medical Experts (AME), where board-certified doctors can provide Nexus letters through telehealth consultations.

The Importance of Community and Support

Many veterans struggle with isolation, especially after leaving the structured community of military life. Platforms like Together We Served and local VSO chapters can offer more than just buddy statement support—they also provide camaraderie and a sense of belonging.

Disclaimer: The information provided in this article is for educational and informational purposes only and should not be considered legal or medical advice. The content is also opinionated and reflects the perspectives of the author. Veterans should consult with qualified professionals or representatives when seeking assistance with their VA claims or related matters.

The VA is set to implement significant changes to the mental health rating schedule, projected to be finalized in August 2025. These changes could impact veterans who are filing new claims or seeking increases in their current ratings. Here’s what you need to know about the upcoming changes and how they might affect you.

Overview of the Changes

The new rating schedule will increase the minimum disability rating for mental health conditions from 0% to 10%. This means that all veterans with service-connected mental health conditions will receive a compensable rating, which is a positive change. Additionally, the VA will remove the outdated part of the rating schedule that prevents veterans from receiving a 100% rating for mental health conditions if they are able to work. This opens the door for veterans who are currently rated at 70% to potentially move up to 100%.

Five Domains of Impairment

The new rating schedule will evaluate mental disorders based on five domains of impairment: cognition, interpersonal interactions and relationships, task completion, life activities, and navigating environments. Each domain will be assigned a severity rating from 0 to 4, with 4 being the most severe. The overall rating will be determined based on the severity ratings across these five domains.

Impact on Current Ratings

Veterans who currently receive compensation for service-connected mental health conditions will not see any changes to their current ratings based on the new schedule. However, they can apply for increased compensation if their symptoms warrant a higher rating under the new schedule. Importantly, no reductions will be made unless there is shown to be an improvement in the veteran’s disability based on the last schedule used to assign their evaluation.

Filing for Claims

If you have not yet filed for mental health conditions, either as a standalone condition or as a secondary condition, it is advisable to file now. This will lock in your rating under the current schedule, and you can apply for an increase once the new schedule takes effect. If you already have a claim in process, the VA will evaluate your claim under both the current and new schedules and give you the more beneficial rating.

Preparing for the Changes

To prepare for the changes, it is important to document your symptoms and severity in each of the five domains. Discuss these domains with your mental health provider and ensure that your medical evidence is clearly outlined. This will help you achieve the highest rating you qualify for under the new schedule.

Disclaimer

The information provided in this article is for informational purposes only and should not be considered legal or medical advice. Veterans are encouraged to consult with their healthcare providers and legal advisors to understand how these changes may impact their individual situations.

15 Ways You Could Lose Your VA Benefits: Don’t Make These Mistakes

As a veteran, your VA benefits are a vital part of your well-being and financial stability. However, there are several ways you could inadvertently lose or reduce these benefits. In this article, we will cover 15 ways you could lose your VA benefits, including a bonus tip that isn’t often discussed. Stay informed to protect the benefits you’ve earned.

1. Waiting Too Long to File

Delaying your claim can cause significant issues, as evidence becomes harder to gather over time. Filing as soon as possible after your service or injury is crucial to establishing a strong connection between your condition and your military service.

2. Incomplete Diagnosis or Treatment History

Providing an incomplete medical history or failing to document your conditions thoroughly can lead to denials or reductions in benefits. Always ensure your medical records are comprehensive and up to date.

3. Not Showing a Clear Service Connection (Nexus)

A service connection, or “nexus,” is critical for many VA claims. This link between your military service and your medical condition is often required unless the condition is presumptive. Without it, your claim will likely be denied.

4. Neglecting to File for Priority Review

Failing to request a priority review when applicable can delay your claim unnecessarily. This is especially important for veterans with severe disabilities or terminal illnesses.

Bonus Tip: Not Claiming Unemployability

If your disability prevents you from maintaining gainful employment, you may be eligible for Total Disability Individual Unemployability (TDIU). Failing to claim unemployability can leave you without the full compensation you deserve.

5. Dishonorable Discharge or Other Than Honorable Discharge

If you were discharged under dishonorable conditions or other than honorable circumstances, you forfeit all VA benefits, including health care and education. While some “bad paper” discharges can be appealed or upgraded through the VA or Military Discharge Review Boards, it’s a difficult and lengthy process.

6. Fraud or Misrepresentation

Making false statements or knowingly submitting fraudulent claims can result in a total forfeiture of your VA benefits. The VA has strict procedures in place, including notifying you of any accusations and giving you the chance to respond. Criminal charges and repayment of benefits may also follow. Always be transparent and honest with your claims.

7. Incarceration

If you are convicted of a felony and incarcerated for more than 60 days, your disability compensation may be reduced or suspended. Pension benefits are entirely suspended during incarceration, although health care benefits may still be available. Even if charges are dismissed or reversed, it can take considerable effort to restore your benefits.

8. Failure to Report Income Changes

Certain benefits, like VA pension and Aid and Attendance, are income-sensitive. If your income increases and you fail to report it, your benefits may be adjusted or terminated. Always keep the VA updated on any changes to your financial situation.

9. Not Attending Medical Reexaminations

The VA may require periodic reexaminations for certain service-connected disabilities. Failing to attend these exams could result in a reduction or termination of your benefits. If you disagree with a decision about your condition improving, seek a second medical opinion to challenge it.

10. Noncompliance with Vocational Rehabilitation and Employment Program (VR&E)

The VR&E program helps disabled veterans gain job skills and education. However, failing to participate actively or follow program guidelines can result in suspension or termination of benefits. Stay engaged and follow the rules to maintain eligibility.

11. Extended Time Abroad

Being out of the United States for extended periods can impact VA pension benefits. Always check with the VA before planning lengthy stays abroad to ensure your benefits won’t be affected.

12. Death of the Veteran

VA benefits generally do not transfer to surviving spouses or dependents. While there are survivor benefits like Dependency and Indemnity Compensation (DIC) and survivor pensions, eligibility criteria must be met, and the VA must be notified of the veteran’s death.

13. Changes in Dependency Status

Life changes such as divorce, remarriage, or children aging out of eligibility must be reported to the VA. Failure to do so can result in overpayment and a demand for repayment.

14. Receiving Conflicting Benefits

Receiving benefits from other sources, like military retirement or workers’ compensation, may affect your VA benefits. The VA enforces rules to prevent “double-dipping.” Always disclose any other benefits you are receiving to avoid potential penalties.

15. Neglecting to Stay Informed

VA policies and regulations change frequently. Failing to stay updated can result in missed opportunities for additional benefits or unexpected reductions. Regularly reviewing your eligibility and consulting with a VA representative can help you stay on top of your benefits.

Final Thoughts

While most veterans retain their benefits for life, staying informed about VA regulations and keeping your records up to date is essential. If you encounter issues or receive notifications of potential benefit loss, seek legal assistance or consult a VA representative promptly.

Disclaimer

This article is for informational purposes only and should not be considered legal advice. Always consult with a qualified attorney or VA representative to address your specific situation and ensure that your benefits are protected.

Veterans Are Getting Ripped Off — Here’s Why

There’s no denying it: many veterans are being shortchanged when it comes to receiving their well-deserved benefits. The data backs this up, but the main reason behind it might surprise you — pride. It’s something that many veterans struggle with, and they’re not alone.

Pride can be a powerful and positive force, but it can also be the biggest roadblock for veterans trying to get the compensation they’re entitled to. It’s a mindset drilled into service members from the moment they enter boot camp — suck it up, don’t complain, keep moving forward. As soldiers, they were trained to think as a unit, to endure without question, and to handle pain and adversity with unwavering strength. Unfortunately, that same mentality often prevents them from seeking help once they’re out.

Pride as a Barrier to Benefits

For some veterans, pride keeps them from accepting the reality of their situation. They may not want to admit that they need help, and it can take years — sometimes even decades — to confront the truth and make progress. Many remain stuck in that same mindset, refusing to acknowledge that they’ve been hurt or that their lives are impacted by their service-related injuries.

Sometimes it takes a wake-up call to realize that pride is holding them back. Veterans need to see beyond old habits and recognize that pursuing disability compensation is not about weakness — it’s about securing the support they’ve earned.

Navigating the VA Claims Process

The VA claims process is complex and often feels like a battle of its own. While some active-duty personnel are taking proactive steps by filing claims within the one-year presumptive period or gathering medical evidence early, many veterans wait far too long, letting pride and misinformation get in the way.

If unsure where to start or feeling overwhelmed, it’s crucial to seek guidance from reliable sources. Medical evidence is key to a successful claim, and having a dedicated support team can make all the difference. Don’t hesitate to reach out to professionals who can help gather and present the necessary documentation.

The VA’s Perspective: Business, Not Charity

Let’s not sugarcoat it — the VA is a business. The system isn’t designed to make veterans’ lives easier; it’s designed to minimize payouts. They’re not going to hand over benefits without a fight. Understanding this reality is vital to building an effective strategy.

A claim is essentially a medical battle. It’s important to focus on gathering clear, credible evidence — from diagnosis to service connection to symptoms. Don’t waste time re-arguing points that have already been won. Instead, zero in on what still needs to be proven, and prepare for pushback.

Dealing with Opinions and Judgment

One of the hardest parts of the process is ignoring the noise from people who think they know the situation better than the veteran does. Comments like “You don’t look disabled” or “Why are you rated higher than me?” can hit hard, but they’re irrelevant. Each journey is unique, and the fight is with the system, not with the opinions of others.

There’s no need to justify a disability to anyone. Only a doctor’s opinion and medical records matter when it comes to a VA claim. Veterans should surround themselves with support and block out the negativity from those who don’t understand their struggles.

Strategic Risks and Personal Decisions

There’s always a risk when pursuing increased compensation. Filing for an increase can potentially result in a decrease if the VA decides to re-evaluate the condition. That’s why it’s essential to weigh the potential gains against the risks. Sometimes, holding onto what’s already secured is more important than pushing for a little extra.

Some veterans reach a point where they must decide whether to pursue Special Monthly Compensation (SMC) beyond their 100% Permanent and Total rating. After careful consideration, many choose not to risk their existing benefits. Every situation is different, but it’s crucial to think strategically and plan wisely.

Final Thoughts

The numbers don’t lie. With over 18 million veterans out there, it’s hard to believe that so many left the military completely unscathed. If you’re one of the countless veterans who walked away without a disability rating or adequate compensation, take a hard look at your situation. Pride might be the one thing standing in your way.

Take charge of your benefits claim. Seek help when needed, focus on the medical evidence, and don’t let pride or fear keep you from pursuing what’s rightfully yours.

Disclaimer:
This article is based on personal opinions and observations. Individual experiences may vary.