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.

The theme of this discussion is Can You Use GI Bill or VA Benefits as Income? An Expert Weighs In

Welcome to Veterans Daily with Tina and Gema—your trusted source for veteran-related financial education. Today, we have an important topic: which veterans’ benefits you cannot use as income when purchasing a home or making other financial decisions. To help us navigate this subject, we’re joined by David, a mortgage expert and the creator of VA Housing Education, a YouTube channel dedicated to educating veterans on leveraging their benefits effectively.

Meet Our Expert: David from VA Housing Education

Tina: David, thanks for joining us again. For those unfamiliar with you, can you introduce yourself?

David: Absolutely. My name is David, and I run VA Housing Education, a YouTube channel dedicated to helping veterans understand how to maximize their benefits. Whether you’re currently serving, a veteran, or even a surviving spouse, it’s crucial to know how these benefits work so you can make informed financial decisions and avoid being taken advantage of.

Can the GI Bill Be Used as Qualified Income?

Gema: Let’s get straight to the big question, David. Can a veteran use their GI Bill benefits as qualified income for a mortgage or a car loan?

David: That’s a great question, and the short answer is no. GI Bill benefits—whether Post-9/11 or Montgomery—cannot be counted as income for mortgage qualification. The main reason is that these are temporary benefits, typically lasting only 36 months. Lenders prefer stable, long-term income sources, and since GI Bill benefits can stop at any time—especially if a veteran drops out of school—they don’t meet that standard.

Tina: What about using GI Bill benefits as income for renting a home?

David: That’s another common question. While technically a landlord could consider it, the same issue applies: the benefits are temporary. Most landlords and property managers prefer tenants with stable employment income. This is why school-derived benefits are not considered reliable income sources.

Exceptions: When GI Bill Income Can Be Used

Gema: So, just to clarify, there’s no scenario where a veteran can use their GI Bill income for loan qualification?

David: There is one exception. If a veteran is on active duty and attending school full-time while receiving BAH (Basic Allowance for Housing), then that income may be counted. Since active-duty pay is stable, lenders may consider the total income, including the housing allowance, when evaluating mortgage eligibility.

Tina: That’s a great strategy—using active-duty benefits to buy a home while stationed somewhere for school. Speaking of home buying, let’s shift gears a bit.

Using VA Loans for Multi-Family Homes

Gema: We know that VA loans can be used for single-family homes, but can a veteran use a VA loan to purchase a multi-family home?

David: Absolutely! A veteran can use a VA loan to purchase a multi-family property (up to four units) as long as they occupy one of the units. This can be a fantastic way to build wealth—living in one unit while renting out the others can significantly reduce housing costs or even generate positive cash flow.

Tina: That’s a game-changer for a lot of veterans who don’t realize this is an option!

What About Vocational Rehab and Caregiver Support?

Gema: Let’s talk about other benefits, like Veteran Readiness and Employment (VR&E) or Chapter 35 survivor benefits. Can those be used as income?

David: Unfortunately, no. VR&E stipends and Chapter 35 benefits are considered school benefits, just like the GI Bill, and are not classified as steady income.

Tina: What about VA caregiver benefits? Can those be counted?

David: Surprisingly, no. Even though VA caregiver benefits provide financial support, they are not considered earned income for loan qualification. This is another area where many veterans assume they have qualifying income when they actually don’t.

VA Disability Pay: The One Benefit You Can Use

Gema: Since we’ve covered what can’t be used, let’s talk about what can. VA disability compensation — can that be used as income?

David: Yes! VA disability compensation is non-taxable income and can be used to qualify for mortgages, car loans, and other financial commitments. In fact, disability pay is often looked upon favorably by lenders because it’s stable and consistent.

Tina: What about back pay? Say a veteran moves from 50% to 100% disability and gets a large lump sum of retroactive pay. Can that help them qualify?

David: While back pay itself isn’t considered recurring income, it can be used strategically—like paying off debts to improve debt-to-income ratios or making a down payment to lower monthly mortgage payments. I’ve seen veterans go from being unable to qualify for a loan to securing a home just by using their back pay wisely.

Planning Ahead: The Key to Homeownership

Gema: It sounds like veterans need to start planning early if they want to use their benefits effectively. Any final advice?

David: Absolutely. A successful home purchase starts with credit and budgeting. Many veterans don’t realize how much their car payments and credit card debt impact their ability to qualify for a mortgage. Planning 6 to 12 months in advance—by improving credit scores, paying off debts, and understanding income qualifications—can make a huge difference.

Tina: And if all else fails, they can put it all on double zero at the casino, right? (Laughs)

David: (Laughs) Please don’t! Smart financial planning is the way to go.

Final Thoughts & Disclaimer

Understanding which benefits count as income is crucial when planning for homeownership. While GI Bill benefits, VR&E stipends, and caregiver support cannot be used to qualify for loans, VA disability compensation can. If you’re planning to buy a home using VA benefits, start early and seek expert guidance.

Disclaimer: Some personal comments within this article are opinionated; is for informational purposes only, and should not be considered financial or legal advice. Veterans should consult with a certified financial advisor or mortgage specialist before making any financial decisions. Individual names within this article may have been changed to protect their privacy.

What is VA Apportionment?

VA apportionment occurs when a portion of a veteran’s disability compensation is redirected to another party, such as a spouse, child, or dependent parent. This means that while the veteran will still receive part of their monthly benefits, the VA will allocate a percentage to the qualifying individual.

This process often arises from disputes over financial support, such as when a veteran and an estranged spouse or dependent disagree on how benefits should be distributed. In some cases, the VA may determine that apportionment is necessary for the well-being of the veteran’s dependents.

Who Can Qualify for VA Apportionment?

The VA allows certain individuals to apply for apportionment, including:

• A legally separated or estranged spouse

• Children living with a divorced or estranged spouse

• Children who are financially dependent but do not reside with the veteran

• Dependent parents

Situations That Lead to VA Apportionment

Apportionment is typically applied in scenarios where the veteran has financial obligations but is not fulfilling them. While some cases are contentious, apportionment can also be beneficial in ensuring support reaches those who need it. Common reasons for VA apportionment include:

• The veteran is responsible for dependents but is not providing financial support.

• The veteran has fallen behind on child support or alimony payments.

• The veteran is incapacitated (e.g., hospitalized or deemed incompetent) and does not have a fiduciary to manage benefits.

• The veteran has passed away, and survivor benefits are allocated to children who do not live with a spouse receiving Dependency Indemnity Compensation (DIC).

• The veteran is incarcerated and wants to ensure their spouse continues receiving financial support, as they would otherwise receive only 10% of their benefits.

It is important to note that VA disability compensation is not considered marital property. This means that, under federal law, a former spouse is not automatically entitled to a veteran’s benefits after a divorce. However, some states take VA benefits into account when determining child support and alimony. Veterans should familiarize themselves with state-specific regulations to understand how these rules apply to their situation.

Factors That May Disqualify Someone From Receiving Apportionment

Not all requests for apportionment are approved. The VA evaluates each case based on financial need and whether reducing the veteran’s compensation would cause undue hardship. Apportionment is unlikely to be granted if:

• The applicant is a former spouse who has remarried.

• The estranged spouse is openly living with another partner and is no longer financially dependent on the veteran.

• The dependent child has been legally adopted by someone else.

• The dependent child is currently serving in the military.

How to Apply for VA Apportionment

Apportionment is not automatically granted and must be requested through an official application process. Individuals seeking apportionment must submit VA Form 21-0788 (Information Regarding Apportionment of Beneficiary’s Award). This form requires detailed financial information, including income, expenses, and assets for both the veteran and the person requesting apportionment. Gathering this documentation beforehand can streamline the application process.

What to Expect After Filing

Once the VA receives an apportionment request, the process is similar to a standard VA benefits claim. The VA will:

1. Review the application and request additional evidence if needed.

2. Require both the veteran and the applicant to provide financial statements.

3. Determine whether apportionment is justified based on financial circumstances.

4. Approve or deny the request and specify the apportioned amount if granted.

Both the veteran and the applicant have the right to appeal the VA’s decision if they disagree with the outcome. If apportionment is approved but causes financial hardship for the veteran, they can request a hardship reduction. The VA will then reassess the case to determine if adjustments should be made.

How Much of a Veteran’s Compensation Can Be Apportioned?

The VA typically apportions between 20% and 50% of a veteran’s disability benefits, especially if the request is based on financial hardship. However, each case is reviewed individually, and the decision-making process can take up to a year.

Need Help With VA Apportionment?

Navigating the VA apportionment process can be complex. If you have questions about your eligibility or how to file, it may be beneficial to seek assistance from a VA-accredited representative or legal expert. Understanding the requirements and rules can help ensure the best possible outcome for both veterans and their dependents.

To provide further assistance, here are some official VA resources related to apportionment:​

• VA Form 21-0788: Information Regarding Apportionment of Beneficiary’s Award: This form is used by spouses, dependents, or dependent parents of a Veteran to apply for apportionment of disability compensation. You can access and download the form here: ​Veterans Affairs+1Veterans Disability Info+1

• VA Apportionment Process Guidelines: For detailed information on the apportionment process, including eligibility criteria and procedural guidelines, refer to the VA’s manual: ​

• M21-1, Part VII, Subpart iii, Chapter 1, Section A – Apportionment Process

These resources offer comprehensive information to help you understand and navigate the VA apportionment process effectively.

Disclaimer

This article is for informational purposes only and should not be considered legal or financial advice. VA policies and regulations may change over time, so it is recommended to consult with a VA-accredited representative or legal professional for guidance specific to your situation.

In a significant move to support veterans, the Department of Veterans Affairs (VA) has announced new presumptive conditions that will make it easier for eligible veterans to receive benefits. These changes were officially approved as of March 25, 2025, and have an effective date of January 10, 2025. This expansion particularly impacts Gulf War-era veterans who served in specific locations.

What Are Presumptive Conditions?

Presumptive conditions eliminate the need for veterans to prove a direct service connection between their military service and specific diseases. Instead, the VA automatically assumes the connection if the veteran meets the service criteria.

Newly Added Presumptive Conditions

The newly included presumptive conditions for service connection under 38 CFR 3.320a include:

• Urinary Bladder Cancer

• Ureter Cancer

• Reproductive Cancers (G cancers)

• Acute and Chronic Leukemias

• Multiple Myeloma

These conditions will be automatically service-connected for eligible veterans, removing the burden of proof previously required.

Who Qualifies?

A covered veteran is any veteran who served in:

• Southwest Asia Theater of Operations on or after August 2, 1990, including Iraq, Kuwait, Saudi Arabia, Bahrain, Qatar, UAE, Oman, the Persian Gulf, and adjacent waters.

• Afghanistan, Djibouti, Egypt, Jordan, Lebanon, Syria, Yemen, or Uzbekistan on or after September 11, 2001.

• Naval or airspace above these locations.

Exceptions to Presumptive Service Connection

A condition will not be presumed service-connected if:

1. There is affirmative evidence proving that the disease was not incurred or aggravated during service.

2. The disease resulted from a supervening condition or event occurring after service.

3. The disease is caused by the veteran’s own willful misconduct.

When Do These Changes Take Effect?

The final rule is effective January 10, 2025. While some reports have suggested an earlier date, January 10th is the confirmed effective date for these new presumptive conditions.

How to Apply for VA Benefits

Veterans diagnosed with these conditions should apply for benefits as soon as possible. The VA encourages affected veterans to submit claims online or through accredited representatives.

• Apply Online: VA Disability Compensation Application

• Find a VA Representative: Accredited Claims Representatives

• Download Forms: VA Form 21-526EZ (Application for Disability Compensation)

Final Thoughts

This expansion is part of a broader VA effort to ensure veterans receive the care and benefits they deserve. By adding these new presumptive conditions, the VA is reducing barriers for veterans suffering from service-related illnesses.

If you believe you qualify, do not delay in filing your claim. The sooner you apply, the sooner you can access the benefits you’ve earned. For further details, refer to the official VA press release here.

For updates on VA benefits and services, be sure to visit VeteransBenefitsHub.com regularly.

Disclaimer

This article is for informational purposes only and does not constitute legal or medical advice. While we strive to provide accurate and up-to-date information, veterans should always consult the Department of Veterans Affairs (VA) or an accredited Veterans Service Officer (VSO) for official guidance regarding their specific claims and eligibility.