Dave Ramsey’s Veteran TRAP: Steering Veterans Away from VA Benefits

Dave Ramsey Says VA Home Loans Are Bad — Here’s the Full Story

Recently, financial expert Dave Ramsey made headlines by stating that the VA home loan program “sucks” and that military members and veterans should avoid using it. To discuss this controversial opinion, a subject matter expert wade in: David Pere from VA Housing Education.

Before diving into Dave Ramsey’s claims, David explains that it’s unfortunately very common for veterans to be steered away from using their hard-earned VA benefits due to misunderstandings about how the VA loan actually works. One of David’s missions is to educate veterans and service members about the true advantages — and occasional pitfalls — of the VA loan program.

What Did Dave Ramsey Say?

During a recent call-in segment of the Dave Ramsey Show, a service member named Walter from Yuma, Arizona, asked about the best way to purchase a home while minimizing debt. Ramsey emphasized that both the VA loan and the FHA loan are “the most expensive” ways to borrow, stating that unless a veteran is disabled (thus exempt from the VA funding fee), the VA loan comes with high costs and “gotchas” that make it unattractive.

Is Dave Ramsey Wrong About the VA Loan?

David Pere agrees that, on paper, the VA loan can sometimes have higher costs compared to certain conventional loans. However, he stresses critical points that Ramsey’s take overlooks:

Marketing Costs: Some lenders that heavily advertise to veterans charge excessive fees. Veterans should shop around to find reputable lenders.
VA Funding Fee: Veterans with a 10% or higher service-connected disability rating are exempt from the VA funding fee, dramatically reducing loan costs.
No Down Payment: The VA loan allows qualified buyers to purchase with no down payment — a major advantage that often outweighs slightly higher fees.
Competitive Rates: Even factoring in the funding fee, VA loans frequently offer lower monthly payments compared to conventional loans requiring private mortgage insurance (PMI).

In short, David highlights that the VA loan, when used properly and with good financial habits, remains one of the most powerful tools available to veterans and service members to build long-term wealth through homeownership.

Maintaining Your Credit Matters

Another important point raised is the importance of maintaining a credit history. Dave Ramsey encourages a debt-free life, which is admirable. However, veterans need to know that having an active credit history — even with zero debt — is crucial for securing favorable mortgage terms. Without a credit score, obtaining any mortgage (including a VA loan) can become more complicated and expensive.

Final Thoughts

Both Dave Ramsey and David Pere agree that financial discipline is essential. However, veterans should not dismiss the VA loan based on a blanket statement. Each veteran’s financial situation is unique, and the VA loan remains a fantastic benefit — especially when used wisely.

Disclaimer: The information presented in this article is for educational and informational purposes only. It reflects the opinions of the original speakers and VeteransBenefitsHub.com and should not be taken as personalized financial advice. Readers are encouraged to consult with qualified financial advisors or mortgage specialists before making decisions regarding VA loans or homeownership.

VA to Terminate Service Connection for Tinnitus: What You Need to Know

Upcoming VA Changes: Elimination of Standalone Tinnitus Ratings

The Department of Veterans Affairs (VA) is proposing significant changes to its rating schedule for auditory conditions — and a major shift is the elimination of tinnitus as a standalone, ratable condition. Here’s a detailed breakdown of what this means for veterans, what the VA is saying, and what you should prepare for.

The VA’s Official Spin

According to the VA, tinnitus will no longer be rated as a separate condition. Instead, it will be treated as a symptom of another diagnosable auditory disease or injury. On the surface, this might sound positive — especially if tinnitus can be tied to a more serious condition that carries a higher disability rating. However, there are serious concerns about how this will play out in practice.

For example, if tinnitus is associated with a condition like Meniere’s disease, your rating will likely reflect the severity of that primary condition, whether or not tinnitus is present. The presence of tinnitus alone won’t increase your rating beyond what would be assigned for the primary condition.

Why This Could Hurt Veterans

There are several potential downsides to this change:

Harder to Prove: Veterans will now need to prove service connection for a larger disease or injury, rather than simply tinnitus, which has traditionally been the most commonly service-connected disability.
Increased Burden: Connecting tinnitus to another auditory condition could give the VA more opportunities to deny claims.
Lost Ratings: Many veterans currently receive a 10% rating for tinnitus. Eliminating tinnitus as a standalone condition removes that guaranteed compensation for those whose only issue is ringing in the ears.

Current Timeline

As of late April 2025, this change has not yet taken effect. The VA has delayed the implementation of the new rating schedule twice, and it is now expected to go into effect in August 2025. However, further delays are possible.

Who Should File Now?

If you suffer from tinnitus and have not yet filed a claim — and you are not already rated at 100% Permanent and Total (P&T) — you should strongly consider filing immediately. This advice also applies to active duty members approaching separation: file as soon as possible before the changes take place.

Why The Elimination Seems Unfair

Many military occupations involve prolonged exposure to high levels of noise — including infantry roles, mechanics, aircraft maintenance crews, and artillery operators. Even if you weren’t in a high-noise MOS, general exposure during training and deployments still poses a significant risk for developing tinnitus. Scientific studies and VA documentation recognize noise exposure as a well-known cause of tinnitus. Eliminating it as a standalone condition seems inconsistent with these established facts.

Future Workaround: Minimal Hearing Loss

There may be one limited path for some veterans after the change goes into effect: if you are diagnosed with minimal, but ratable, hearing loss (even at 0%), and you have tinnitus, you may still receive a 10% rating for tinnitus attached to the hearing loss diagnosis. However, this will only apply under very narrow conditions.

Conclusion

The proposed change to the VA’s rating schedule for auditory conditions — specifically the removal of tinnitus as a standalone condition — could have wide-reaching effects. Veterans are encouraged to act quickly, file claims where appropriate, and stay informed about any updates to the proposed timeline.

For more information, you can review the official Federal Register notice on VA proposed auditory rating changes.

Disclaimer: The information presented in this article is based on publicly available VA resources and the opinion and interpretation of the author. It is intended for general informational purposes only and should not be construed as legal advice or a guarantee of VA claim outcomes. Veterans are encouraged to consult with a qualified Veterans Service Officer (VSO) or attorney for personalized assistance regarding their specific cases.

Discovering Major State Veterans Benefits

Exploring State-Specific Veterans Benefits: Tax Exemptions and More

Exploring State-Specific Veterans Benefits: Tax Exemptions and More

Veterans and their families can access a wide range of benefits beyond federal programs offered through the Department of Veterans Affairs (VA). Each state and U.S. territory provides unique benefits, including tax exemptions, educational perks, and discounts on licenses, tailored to veterans, their families, and survivors. This article highlights key state-specific veterans benefits, focusing on tax exemptions, and provides resources to help you navigate these opportunities.

State Veterans Affairs Departments

Every state has its own Veterans Affairs department or equivalent agency responsible for administering state-specific veterans benefits. These benefits vary widely—some states offer full property tax exemptions for primary residences, while others provide registration fee waivers for vehicles, hunting or fishing license discounts, or educational benefits for state schools. Many of these perks go unused simply because veterans are unaware of them.

To explore benefits in your state, visit the VA’s comprehensive guide, State Veterans Benefits, which links to each state’s Veterans Affairs website for detailed information.

VA’s Guide to State Tax Benefits

On April 22, 2025, the VA released a news article titled Unlocking Veteran Tax Exemptions Across States and US Territories: Your Road Map to Veteran Tax Benefits by State and Territory. This guide organizes tax benefits alphabetically by state and territory, making it easy to find relevant information. Each state’s section includes a hyperlink to its official Veterans Affairs or tax authority website for the most current details.

According to the VA, “Most states and territories provide tax benefits for veterans, their families, and survivors. Whether you’re a veteran checking options in your area, a family member or survivor seeking clarity, or a transitioning service member planning your next move, this guide simplifies the process.”

Spotlight on High-Population Veteran States

Below, we highlight tax benefits in some of the states with the largest veteran populations—California, Florida, Georgia, and Texas—based on the VA’s guide.

California

Income: Active-duty residents stationed outside California pay no state income tax. Military pay is taxable if stationed in the state.
Business: Honorably discharged veterans selling goods from a fixed location may be exempt from municipal, county, and state business license fees (excluding alcohol sales).
Property: Honorably discharged veterans, their surviving spouse, or pensioned parent can claim a $4,000 property tax exemption (or $10,000 for married couples) unless the property value exceeds $5,000. Veterans with 100% disability or their unmarried surviving spouse qualify for a larger exemption (approximately $180,000 off the assessed value of the primary home). Contact your local assessor for details.

Florida

Income: Florida has no state income tax.
Property: Veterans with a 10% or higher VA disability can deduct $5,000 from their home’s assessed value. Those with 100% permanent disability, quadriplegia, or specific mobility impairments may be exempt from all property taxes, as may unremarried surviving spouses meeting certain criteria.

Georgia

Income: Military retirement income is exempt up to $17,500 for those under 62, with an additional $17,500 for earned income; $35,000 for ages 62–64; and $65,000 for those 65 and older. Combat zone deaths erase income taxes for that year and prior combat zone years.
Motor Vehicle: Permanently disabled veterans or those with vision or limb loss pay no property tax on vehicles. A VA grant for vehicle purchase or adaptation waives state sales tax.
Business: Veterans with a 10% or higher service-connected disability and honorable discharge receive a 10-year exemption from local occupation taxes and fees.
Property: Disabled veterans can exempt up to $109,986 of their primary residence’s value (per VA-set index), extending to unremarried surviving spouses or minor children.

Texas

Income: Texas has no state income tax.
Business: Qualified new veteran-owned businesses are exempt from franchise tax for five years.
Property: Disabled veterans and surviving spouses may claim partial or total exemptions on appraised property values.

Why These Benefits Matter

State-specific veterans benefits can save you money or provide valuable services, but they’re often underutilized. Taking the time to research your state’s offerings can put money back in your pocket or reduce your financial burden. Always go directly to official sources, such as your state’s Veterans Affairs department or the VA’s state benefits guide, to ensure you have the most accurate and up-to-date information.

VA Comprehisive list by state below:

Most U.S. states and territories provide tax benefits for Veterans, their families and survivors. Whether you’re a Veteran checking options in your area, a family member or survivor seeking clarity, or a transitioning service member planning your next move, this guide simplifies the process. We’ve organized these benefits alphabetically by state and territory for quick reference. The information listed is current at time of publishing.

Alabama

Income: Military retirement pay, active combat pay, and Survivor Benefit Plan payments face no state, county or municipal income tax.
Motor vehicle: Disabled Veterans with a VA-provided vehicle pay no license fees or property taxes. Veterans with a 10% or higher disability rating avoid license tax and registration fees.
Other/Business: Small businesses (50 or fewer employees) earn a $1,000 income tax credit per newly hired, unemployed Alabama Veteran—doubled to $2,000 for recently discharged Veterans starting their own businesses.
Property: Permanently and totally disabled Veterans, or those 65 and older, enjoy a property tax exemption on their home and up to 160 adjacent acres, with no income cap. Homes acquired through a VA specially adapted housing grant are tax-exempt for the Veteran or surviving spouse.

Learn more about Alabama Veterans benefits online.

Alaska

Income: No state income tax. Legal residents qualify for the Permanent Fund Dividend.
Other/Business: Employers hiring Veterans may claim a tax credit under certain conditions.
Property: Disabled Veterans with a 50% or higher service-connected disability rating get a tax exemption on the first $150,000 of their primary residence’s assessed value. This transfers to a spouse aged 60 or older if the Veteran passes away.

Learn more about Alaska Veterans benefits online.

American Samoa

Income: Residents pay taxes to the American Samoa Tax Office, not the IRS, effectively mirroring a no-income-tax state rate. Military pay and retired pay are taxable, but disability retirement pay for service-related injuries is not. Survivor Benefit Plan, Reserve Component Survivor Benefit Plan, and Retired Serviceman’s Family Protection Plan annuities are taxable.

Learn more about Veteran benefits in American Samoa.

Arizona

Income: Military retirement benefits, annuities and pensions are fully exempt from income tax. Nonresident military spouses may avoid Arizona income tax under specific conditions.
Motor Vehicle: Veterans enjoy vehicle license tax exemptions, special plates and CDL-skills test waivers through the Arizona Department of Transportation.
Property: Property tax exemptions vary by county.

Learn more about Veteran benefits in Arizona.

Arkansas

Income: Active duty pay, retired pay and Survivor Benefit Plan payments are tax-free.
Property: Veterans with specific VA-awarded disabilities (e.g., loss of limbs, total blindness, or 100% service-connected disability) qualify for a full homestead and personal property tax exemption. Un-remarried surviving spouses and dependent children may also benefit if the Veteran died in service or from service-connected causes.

Learn more about Veteran benefits in Arkansas.

California

Income: Active duty residents stationed outside California pay no state income tax. Military pay is taxable if stationed in-state.
Other/Business: Honorably discharged Veterans selling goods from a fixed location may avoid municipal, county, and state business license fees (excludes alcohol sales).
Property: Honorably discharged Veterans or their surviving spouse or pensioned parent claim a $4,000 property tax exemption unless the property value exceeds $5,000 ($10,000 for married couples). Veterans with 100% disability or their unmarried surviving spouse qualify for a larger exemption with basic and low-income tiers—check with the local assessor.

Learn more about Veteran benefits in California.

Colorado

Income: Active duty pay is tax-free if stationed outside the continental U.S. for at least 305 days. Military retirees deduct up to $15,000 (under 55), $20,000 (55-64), or $24,000 (65+) from retirement income, including Survivor Benefit Plan payments.
Property: Qualifying disabled Veterans, surviving spouses and Gold Star spouses are exempt from 50% of the first $200,000 of their primary residence’s value, with the state covering lost county revenue.

Learn more about Veteran benefits in Colorado.

Commonwealth of the Northern Mariana Islands

Income: Residents pay taxes to the CNMI Tax Office, not the IRS, aligning with a no-income-tax state rate. Military pay and retired pay are taxable, but disability retirement pay for service-related injuries is not. Survivor Benefit Plan, Reserve Component Survivor Benefit Plan, and Retired Serviceman’s Family Protection Plan annuities are taxable

Learn more about Veteran benefits in the Northern Mariana Islands.

Connecticut

Income: Active duty pay is tax-free if stationed out-of-state, provided you don’t own a Connecticut home or stay more than 30 days yearly. Military retirement pay and Survivor Benefit Plan payments are tax-free.
Motor Vehicle: Veterans with 90-plus days of wartime service claim a motor vehicle tax exemption. Non-residents garaged in Connecticut due to military orders may qualify under federal law. Leased vehicle tax refunds are available.
Property: Honorably discharged Veterans with 90-plus days of wartime service get a $1,000 property tax exemption, with additional relief for disabled Veterans meeting income limits.

Learn more about Veteran benefits in Connecticut.

Delaware

Income: Retired service members deduct up to $12,500 of military retirement pay from income tax until age 60, then switch to the standard pension exclusion.
Other/Business: Employers hiring Veterans deployed to hostile environments (e.g., Iraq, Afghanistan) earn a 10% wage tax credit, up to $1,500, for three years.
Property: Qualified Veterans claim a full non-vocational school district property tax credit on their primary residence.

Learn more about Veteran benefits in Delaware.

District of Columbia

Income: Military retired pay is fully taxable. Disability retirement pay for service-related injuries is not. Military pay is taxable for residents. Survivor Benefit Plan, Reserve Component Survivor Benefit Plan, and Retired Serviceman’s Family Protection Plan annuities are tax-free for survivors 62+. Social Security benefits are exempt.
Property: Veterans with a 100% service-connected disability or paid at that rate due to unemployability qualify for a $445,000 reduction in assessed home value, subject to ownership, residency and income limits ($159,750 for 2025).

Learn more about Veteran benefits in the District of Columbia.

Florida

Income: No state income tax.
Property: Veterans with a 10% or more VA disability deduct $5,000 from their home’s assessed value. Those with 100% permanent disability, quadriplegia or specific mobility impairments may exempt all property taxes, as may un-remarried surviving spouses meeting criteria.

Learn more about Veteran benefits in Florida.

Georgia

Income: Military retirement income is exempt up to $17,500 for disabled Veterans under 62, with an extra $17,500 for earned income; $35,000 for ages 62-64; and $65,000 for 65+. Combat zone deaths erase income taxes for that year and prior combat-zone years.
Motor Vehicle: Permanently disabled Veterans or those with vision/limb loss pay no property tax on vehicles. A VA grant for vehicle purchase/adaptation waives state sales tax.
Other/Business: Veterans with a 10% or more service-connected disability and honorable discharge get a 10-year exemption from local occupation taxes and fees.
Property: Disabled Veterans exempt up to $109,986 of their primary residence’s value, per a VA-set index, extending to un-remarried surviving spouses or minor children.

Learn more about Veteran benefits in Georgia.

Guam

Property: Eligible disabled Veterans, surviving spouses, Gold Star parents or legal guardians may exempt all property taxes on their residence.

Learn more about Veteran benefits in Guam.

Hawaii

Income: Retired pay, Survivor Benefit Plan payments and National Guard/Reserve drill pay (up to an E-5’s 48 drills and 15 training days) are tax-free.
Motor Vehicle: Totally disabled Veterans with VA-subsidized cars avoid taxes. Active duty non-residents stationed in Hawaii skip motor vehicle weight taxes on one vehicle.
Property: Totally disabled Veterans or their surviving spouses may qualify for an exemption from all property taxes on their home.

Learn more about Veteran benefits in Hawaii.

Idaho

Income: Active duty pay is tax-free if stationed outside Idaho. Veterans or un-remarried widows 65+ (or 62+ and disabled) deduct retirement benefits, reduced by Social Security or Railroad Retirement amounts.
Other/Groceries: Veterans 65+ (or 62+ and disabled) with only VA disability income claim a grocery tax credit.
Property: Veterans with a 10% or more service-connected disability or VA pension qualify for a property tax reduction if they meet income and residency rules. Those with 100% disability may reduce taxes by up to $1,320.

Learn more about Veteran benefits in Idaho.

Illinois

Income: Active duty, Guard, Reserve, retired pay and Survivor Benefit Plan payments are tax-free.
Property: Homes bought or modified with a VA Specially Adapted Housing Grant reduce taxable value by up to $100,000; mobile homes are exempt from county tax. Returning Veterans get a one-time $5,000 homestead reduction. Disabled Veterans deduct $2,500 (30-50% disability), $5,000 (50-70%), or all taxes (70% or more), with un-remarried surviving spouses of those killed in action also exempt—file annually with the county.

Learn more about Veteran benefits in Illinois.

Indiana

Income: Active duty and Reserve pay is tax-free starting in 2024. Retired pay and Survivor Benefit Plan payments are tax-free with a $5,000 deduction available.
Property: Wartime Veterans with 10% or more VA disability deduct $24,960; those 62+ or totally disabled with a home under $200,000 deduct $14,000—or both ($38,960 total) if meeting all criteria.

Learn more about Veteran benefits in Indiana.

Iowa

Income: Federal military retirement pay and survivor benefits are tax-free.
Property: Veterans with 18+ months of active duty deduct up to $4,000 from their home’s assessed value.

Learn more about Veteran benefits in Iowa.

Kansas

Income: Military retirement pay is tax-free. Starting in 2023, 100% service-connected disabled Veterans claim a $2,250 personal exemption.
Other/Sales Tax: From July 1, 2026, 100% service-connected disabled Veterans avoid sales tax on up to $24,000 in annual purchases (excludes tobacco, alcohol, vehicles).
Property: Veterans with 50% or more permanent service-connected disability claim a homestead refund—must be honorably discharged Kansas residents.

Learn more about Veteran benefits in Kansas.

Kentucky

Income: All military pay, pre-1998 retiree pay, and disability retirement pay for service injuries are tax-free. Post-1997 retirees exclude up to $31,110 of retired pay.
Property: Homeowners 65+ or totally disabled qualify for a homestead exemption.

Learn more about Veteran benefits in Kentucky.

Louisiana

Income: Federally exempt military pay (e.g., combat pay) and retirement benefits are tax-free. Service members stationed outside Louisiana for 120+ consecutive days deduct up to $50,000 of military compensation.
Property: Veterans with 50% or more service-connected disability add exemptions to the homestead: $2,500 (50-69%), $4,500 (70-99%), or full exemption (100%, except some municipal taxes).

Learn more about Veteran benefits in Louisiana.

Maine

Income: Out-of-state military pay, retirement pay and Survivor Benefit Plan payments are tax-free.
Motor Vehicle: Totally disabled Veterans receiving federal pensions or compensation get free registration. Excise tax exemptions apply if eligible, even without disabled plates—contact the Maine Bureau of Veterans’ Services.
Property: Wartime Veterans 62+ or 100% disabled (or disabled while serving) are exempt from paying $6,000 from their home’s value. Paraplegic Veterans with a federal housing grant exemption of $50,000.

Learn more about Veteran benefits in Maine.

Maryland

Income: Military retirees subtract up to $12,500 of retirement income (or $20,000 if 55+). Those 65+, totally disabled, or with a totally disabled spouse exclude up to $34,300 of pension income.
Motor Vehicle: Active duty members or their family claim an excise tax credit with proof of status, within limits.
Other/Vessel: For one year, active duty members in Maryland avoid the 5% vessel excise tax on out-of-state-registered boats.
Property: Veterans with 100% permanent service-connected disability or surviving spouses of those killed in action may exempt real property taxes on their home and yard—local exemptions vary.

Learn more about Veteran benefits in Maryland.

Massachusetts

Income: U.S. military pensions are tax-free. Nonresident service members pay no tax on military compensation; residents do. Combat zone pay is excluded. Guard/Reserve members traveling 100+ miles deduct unreimbursed overnight expenses.
Motor Vehicle: Disabled Veterans with a 100% VA disability rating or unemployability status (per the HERO Act) skip excise and sales tax on one non-commercial vehicle with DV plates. Purple Heart recipients with 60% or more disability also avoid sales tax with qualifying plates.
Property: Disabled Veterans (10% or more) claim $400-$1,500 exemptions if Massachusetts residents occupy the property as their domicile. Surviving spouses of service-related deaths may get a full exemption.

Learn more about Veteran benefits in Massachusetts.

Michigan

Income: Active duty pay, retired pay, Survivor Benefit Plan, and Dependency and Indemnity Compensation payments are tax-free.
Property: The Homestead Property Tax Credit boosts relief for some Veterans—file by April. Disabled Veterans with 100% VA disability, specially adapted housing aid, or unemployability rating (or their un-remarried surviving spouse) exempt their homestead starting 2025 without reapplication.

Learn more about Veteran benefits in Michigan.

Minnesota

Income: Military pay, retirement pay, and Survivor Benefit Plan payments are tax-free. Credits apply for combat zone service (post-2014) or past military service (up to $750).
Property: Veterans with disabilities, surviving spouses or primary caregivers exclude $150,000 or $300,000 of their home’s market value, based on status.

Learn more about Veteran benefits in Minnesota.

Mississippi

Income: Military retired pay and Survivor Benefit Plan payments are tax-free.
- Privilege Tax: Veterans 65+, blind, deaf, mute or 50% or more disabled with income under $900 avoid privilege taxes on certain businesses.
Property: Honorably discharged Veterans with total service-connected disability (or their un-remarried surviving spouse) are exempt from all homestead property taxes.

Learn more about Veteran benefits in Mississippi.

Missouri

Income: Active duty and National Guard/Reserve income (as of 2024) is tax-free. Military retirement pensions are fully deductible.
Motor Vehicle: Equipment to modify vehicles for disability use is sales tax-exempt.
Other/Business: For-profit employers claim Work Opportunity Tax Credits: up to $4,800 for disabled Veterans, $9,600 for long-unemployed disabled Veterans, or $5,600 for other unemployed Veterans, based on hours worked.
Property: Former POWs with total service-connected disability exempt all homestead taxes. Out-of-state military waive property tax receipt verification with a non-Missouri Leave and Earnings Statement. Disabled Veterans or seniors claim a credit up to $1,100 (owners) or $750 (renters), excluding VA benefits from income calculations.

Learn more about Veteran benefits in Missouri.

Montana

Income: Active duty and Reserve/Guard pay is tax-free. Starting 2024, military retirees deduct 50% of retirement or survivor pay for five years. Retirees generally exclude up to $5,060 if their income is below $42,140; those 65+ subtract $5,500.
Property: Veterans with 100% service-connected disability (or their un-remarried surviving spouse) reduce their home’s tax rate by 50%-100%, based on income and marital status.

Learn more about Veteran benefits in Montana.

Nebraska

Income: Starting in 2022, military retirement benefits are fully excluded from taxable income. Active duty pay is taxed only by the service member’s legal residence state, per federal law.
Property: Totally disabled Veterans from service-connected causes, those with VA-funded homes, or their surviving spouses qualify for a homestead exemption.

Learn more about Veteran benefits in Nebraska.

Nevada

Income: No state income tax.
Motor Vehicle: Wartime Veterans with 90+ days of active duty or those with 60% or more permanent disability claim exemptions, transferable to property taxes or vehicle registration fees. Surviving spouses may qualify
Other/Sales Tax: National Guard members and families enjoy a three-day sales tax break during Nevada Day.
Property: Veterans are exempt from the first $2,000 assessed value (adjusted annually). Disabled Veterans are exempt from $10,000 (60-79%), $15,000 (80-99%), or $20,000 (100%) of assessed value, also adjusted yearly.

Learn more about Veteran benefits in Nevada.

New Hampshire

Income: No income tax; only interest and dividends are taxed.
Property: Veterans’ organizations’ property is tax-exempt. Wartime Veterans, spouses or widows claim a $51 credit (up to $750 locally). All Veterans with 90+ days of service may get an additional local credit. Widows of those killed in action claim $700-$4,000. Totally disabled Veterans (blind, paraplegic or double amputees) with VA-adapted homes are exempt from all taxes, as are surviving spouses.

Learn more about Veteran benefits in New Hampshire.

New Jersey

Income: Military pay is taxable for residents; mustering-out payments, allowances, pensions, survivor benefits and combat pay are not. Federal civil service pensions are taxable.
Property: Honorably discharged Veterans with active duty service (or their surviving spouse/partner) deduct $250 annually—Reservists and Guard must be called to active duty.

Learn more about Veteran benefits in New Jersey.

New Mexico

Income: Active duty pay is tax-free; up to $30,000 of military retirement pay is exempt.
Motor Vehicle: Veterans with specific service-connected limb loss exempt the excise tax. Those with partial property tax exemptions pay two-thirds of vehicle registration fees.
Other/Business: Employers hiring recently returned Veterans claim a $1,000 tax credit per hire.
Property: Veterans with 100% permanent service-connected disability (or their spouse) are exempt from their primary residence. All Veterans or surviving spouses deduct $4,000 of taxable property value—certain discharge characterizations may not qualify.

Learn more about Veteran benefits in New Mexico.

New York

Income: Retired pay and Survivor Benefit Plan payments are tax-free. Active duty income is tax-free for New York residents if stationed elsewhere, maintaining an out-of-state home, and spending under 30 days in New York yearly.
Property: Veterans claim one of three exemptions—Alternative (wartime/expeditionary), Cold War, or Eligible Funds (pension/bonus/insurance-funded property)—plus disability bonuses. Surviving spouses may qualify—file before local tax deadlines.

Learn more about Veteran benefits in New York.

North Carolina

Income: Military retirement and Survivor Benefit Plan payments are tax-free.
Motor Vehicle: Disabled Veterans with VA-adapted vehicles skip the highway tax.
Property: Veterans with 100% permanent, service-connected disability (or their surviving spouse receiving Dependency and Indemnity Compensation) are exempt from the first $45,000 of assessed home value. Qualified Veterans also claim a $2,000 annual mortgage tax credit, combinable with down payment aid.

Learn more about Veteran benefits in North Carolina.

North Dakota

Income: Active duty, reservist, retired pay and Survivor Benefit Plan payments are tax-free for residents.
Motor Vehicle: Veterans with 100% service-connected disability (or un-remarried surviving spouses with Dependency and Indemnity Compensation) are exempt from two vehicles.
Property: Honorably discharged Veterans with 50% or more VA disability deduct property taxes based on disability percentage—surviving spouses qualify, too.

Learn more about Veteran benefits in North Dakota.

Ohio

Income: Active duty pay is tax-free if stationed out-of-state; retirement pay and Survivor Benefit Plan payments are tax-free.
Property: Veterans with 100% service-connected disability (or surviving spouses in the same home) claim a homestead exemption, reducing taxes on up to $25,000 of market value—rates vary by location.

Learn more about Veteran benefits in Ohio.

Oklahoma

Income: All military pay and retirement pay is tax-free.
Other/Sales Tax: Veterans with 100% permanent VA disability, registered in the Oklahoma Veterans Registry, avoid state sales tax.
Property: Veterans with 100% disability owning their residence are exempt from all property taxes.

Learn more about Veteran benefits in Oklahoma.

Oregon

Income: Active duty pay is tax-free outside Oregon, with up to $6,000 exempt in-state. Pre-1991 service retirees deduct part of their retirement pay; post-1991 pay is taxed normally. Survivor Benefit Plan follows the same rule. Disability compensation is tax-free.
Property: Disabled Veterans (40% or more), surviving spouses/partners, or deployed Guard/Reserve members are exempt from part of their home’s assessed value. Disabled Veterans may defer taxes via a state loan—repayable with 6% interest; file with the county assessor.

Learn more about Veteran benefits in Oregon.

Pennsylvania

Income: Out-of-state active duty pay, military retirement pay and Survivor Benefit Plan payments are tax-free.
Honorably discharged Veterans with 100% VA wartime disability exempt home property taxes if income is below $114,637 (2025 limit)—surviving spouses may qualify.

Learn more about Veteran benefits in Pennsylvania.

Puerto Rico

Income: Veterans can claim a $1,500 exemption ($3,000 if both spouses are Veterans). Military pay is taxable in Puerto Rico; out-of-Puerto Rico pay faces federal tax. As of August 2024, military retired pay is exempt from territorial taxes (implementation pending). Retirees and survivors deduct $11,000 (under 60) or $15,000 (60+) from U.S. government pensions/annuities.
Property: Veterans are exempt from $5,000 of their primary residence’s appraised value (up to 1,000 square meters urban or 1 cuerda rural) based on specific criteria.

Learn more about Veteran benefits in Puerto Rico.

Rhode Island

Income: Military retirement pay is tax-free.
Property: Honorably discharged Veterans claim one of seven exemptions (e.g., regular, total disability, specially adapted housing)—amounts vary by category and location.

Learn more about Veteran benefits in Rhode Island.

South Carolina

Income: Military retirement pay, federally exempt VA pensions/compensation, combat pay, Reserve/Guard inactive duty pay, and nonresident active duty pay are tax-free.
Motor Vehicle: Totally disabled Veterans or their surviving spouses are exempt from property tax on one vehicle; trust-owned or spouse-titled vehicles may qualify with conditions.
Property: Totally disabled Veterans (or surviving spouses) are exempt from paying property tax on their primary residence and up to 5 acres retroactive to 2022. Veterans with specific mobility/brain injuries are exempt from all residence taxes.

Learn more about Veteran benefits in South Carolina.

South Dakota

Income: No state income tax.
Other/Sales Tax: Seniors (65+ by January 1, 2025) or disabled individuals (per Social Security Act) with low income claim a yearly sales tax refund—checks start in September.
Property: Permanently disabled or paraplegic Veterans (service- or non-service-connected) and surviving spouses are exempt all or up to $200,000 of their home, garage and one-acre lot.

Learn more about Veteran benefits in South Dakota.

Tennessee

Income: No income tax, but interest and dividends are taxed; POWs are exempt during captivity and 60 days post-release.
Motor Vehicle: Sales tax exemptions apply to military members’ vehicle purchases and adaptive equipment. Disabled Veterans with 100% disability or POWs avoid the privilege tax.
Other/Business: Disabled Veterans may avoid business taxes on certain activities listed in the Tennessee business tax law.
Other/Professional: Active military members with 181+ days of service skip the professional privilege tax (e.g., attorneys, lobbyists).
Property: Certain 100% disabled Veterans and surviving spouses can claim property tax relief on part of their home’s value.

Learn more about Veteran benefits in Tennessee.

Texas

Income: No state income tax.
Other/Business: Qualified new Veteran-owned businesses skip franchise tax for five years.
Property: Disabled Veterans and surviving spouses may claim partial or total exemptions on appraised property values.

Learn more about Veteran benefits in Texas.

U.S. Virgin Islands

Income: Residents pay taxes to the USVI Bureau of Internal Revenue, not the IRS, at federal rates—effectively no state income tax. Military pay, retired pay and survivor annuities are taxable; disability retirement pay for service injuries is not.
Property: Veterans can claim a $650 homestead tax credit or a full exemption if disabled; details may vary.

Learn more about Veteran benefits in USVI.

Utah

Income: Military retirees exclude retirement pay from state taxes. Surviving spouses/children claim a 4.55% credit on survivor benefits.
Other/Business: Employers hiring qualified Veterans may earn a tax credit, combinable with federal credits.
Property: Veterans with 10% or more disability (or their surviving spouse/orphans) abate up to $505,548 of their home’s taxable value, scaled by disability. Active/Reserve members deployed out of state for 200+ days exempt their primary residence’s full value.

Learn more about Veteran benefits in Utah.

Vermont

Income: Military retirement pay is exempt up to $10,000, capped at $50,000 (single) or $65,000 (joint) gross income. It is subject to choosing between this or a Social Security exemption at eligibility age.
Property: Veterans with at least a 50% service-connected disability or Improved Pension (and some surviving spouses) may reduce their primary home’s appraised value by $10,000-$40,000, depending on town rules.

Learn more about Veteran benefits in Vermont.

Virginia

Income: Military retirees can subtract up to $30,000 (2024) or $40,000 (2025+) of retirement or survivor benefits from taxable income.
Motor Vehicle: Certain qualified disabled Veterans or spouses are exempt from local taxes on one owned vehicle, not leased.
Property: Virginia provides tax exemptions for 1.) Certain Veterans and their surviving spouses, and 2.) The surviving spouses of soldiers killed in action.

Learn more about Veteran benefits in Virginia.

Washington

Income: No state income tax.
Motor Vehicle: Sales tax exemptions apply to VA-reimbursed automotive adaptive equipment.
Other/Sales Tax: Disabled Veterans with VA adaptive housing grants claim a $2,500 refund on state sales/use tax for project costs.
Property: Seniors, disabled retirees and Veterans with 80% or more service-connected disability (or their widows) may qualify for income-based exemptions or deferrals.

Learn more about Veteran benefits in Washington.

West Virginia

Income: Retired pay and Survivor Benefit Plan payments are tax-free. Military pay is exempt if in-state for less than 30 days.
Property: Starting 2024, Veterans with 90-100% VA disability claim a real property tax credit on their primary residence; taxes must be paid on time.
- Those with a 100% permanent disability rating may be exempt from certain taxes.

Learn more about Veteran benefits in West Virginia.

Wisconsin

Income: U.S. military retirement payments (including Survivor Benefit Plan and Retired Serviceman’s Family Protection Plan) and federally exempt military pay are tax-free.
Property: Veterans and un-remarried surviving spouses can claim a refundable tax credit for their primary residence up to one acre.

Learn more about Veteran benefits in Wisconsin.

Wyoming

Income: No state income tax.
Motor Vehicle/Property: Combat Veterans or surviving spouses (Wyoming residents for 3+ years) may exempt $6,000 in assessed value, applicable to either their primary residence or vehicle registration tax; surviving spouse benefits end upon remarriage.

Learn more about Veteran benefits in Wyoming.

If you have federal tax questions and are looking for resources, please visit the IRS page on Veterans tax information and services, or check out this recent Vet Resources blog post on tax season guidance for Veterans.

Remember, Veterans have the flexibility to sign up for VA health care or apply for disability compensation or increased disability compensation from the comfort of home, at a time that suits them best.

To stay updated on the latest news for Veterans, families, caregivers and survivors, sign up for the VetResources weekly newsletter.

For a complete list of state-specific benefits, visit your state’s Veterans Affairs website through the VA’s State Veterans Benefits page or explore the tax exemptions guide at Unlocking Veteran Tax Exemptions.

Disclaimer: The information provided in this article is for general informational purposes only and is current as of April 22, 2025, per the VA’s publication. VeteransBenefitsHub.com does not guarantee the accuracy, completeness, or applicability of the information for your specific situation. Benefits and eligibility requirements vary by state and may change over time. Always consult your state’s Veterans Affairs department, local tax assessor, or a qualified professional for the most up-to-date and personalized guidance. Links to external websites are provided for convenience and do not constitute an endorsement by VeteransBenefitsHub.com.

Mastering VA Disability Compensation: Overcoming the Major Hurdle

Why Documentation Is the Key to Winning Your VA Disability Claim

Why Documentation Is the Key to Winning Your VA Disability Claim

When it comes to navigating the VA benefits process, one of the biggest — and most often overlooked — pieces of the puzzle is providing proper documentation to support your claim. In short, evidence is everything.

Most conversations around VA claims focus heavily on getting service-connected. That’s great — but it’s only half the battle. The other half? Getting the appropriate rating. Today, we’re going to break down what kind of evidence you need, how to prepare it, and what it takes to not just get service-connected, but rated accurately from the start.

The Two Buckets of Evidence

Your evidence falls into two primary categories:

Lay Evidence – Personal statements, buddy letters, family observations.
Medical Evidence – Diagnoses, treatment history, DBQs, nexus letters.

Lay evidence is typically more helpful in proving service connection. Medical evidence is critical for both connection and rating. The more substantial your medical evidence, the better your chances of securing the correct rating the first time around.

Start With an Intent to File

Before gathering evidence, file an Intent to File. It’s quick and easy. You don’t need to specify conditions; you’re simply telling the VA that you plan to file a claim. Choose whether it’s for compensation or pension — in most disability cases, it’s compensation.

Why is this so important? It locks in your effective date and the rating schedule for that point in time, giving you up to 12 months to gather and submit all your evidence.

What the VA Looks for in Service Connection

To get service-connected, the VA is looking for three things:

Proof of service – Your DD214 shows your service dates and character of discharge.
Diagnosis of a current condition – Medical documentation that your condition exists and is ongoing or chronic.
Nexus – A medical link between your condition and your time in service.

If you didn’t have a diagnosis or thorough medical records during service, don’t worry. That’s where a nexus letter comes into play — ideally from a provider familiar with VA standards.

From Connection to Correct Rating

Now let’s talk ratings. Once you’re service-connected, you need to prove the severity of your condition. This is where most veterans fall short.

Look up the VA rating schedule for your condition. Study the criteria for each rating level. Understand what’s required for a 10%, 30%, 50%, etc. Then, compare that to your symptoms. If you don’t meet the criteria, your doctor needs to understand what additional documentation is needed.

Bring the rating schedule with you to your appointments. Better yet, have your doctor complete a Disability Benefits Questionnaire (DBQ) using the correct form for your condition. Providers like AM (America’s Medical Experts) specialize in this — they know how to format reports that meet the VA’s exact needs.

Why This Matters

Getting your rating right the first time saves you months — or even years — of appeals and supplemental claims. The right documentation and a well-crafted DBQ can prevent delays and ensure you’re compensated fairly, starting from your original intent-to-file date.

Bonus Tip: File Now, Supplement Later

If your intent to file is about to expire and you don’t have all your evidence ready — file anyway. File for all conditions you plan to pursue, even if you’re missing a couple pieces of evidence for some of them.

Let’s say you file for seven conditions, but only have documentation for five. The VA might approve the five and deny the two. Later, when you have the missing evidence, you can submit a supplemental claim for the two denied conditions — and still retain the effective date of your original filing.

This strategy can be a game-changer in maximizing your back pay and avoiding unnecessary delays.

Final Thoughts

Remember: your VA claim has two goals — get service-connected and get the right rating. The only way to do both is by understanding what the VA is looking for, using the right evidence, and working closely with your doctor or a VA-savvy medical provider.

Get Your VA Ratings Same Day at VFW’s VA Claim Clinic in 2025

VA Claim Clinic Returns in 2025: What Veterans Need to Know

Oh Yeah, the VA Claim Clinic is back for 2025! If you remember last year’s clinic, you’ll know it was a game-changer for many veterans; about 50 veterans, who had their claims submitted, processed, and approved within just one to four days.. That’s real — it actually happened.

Those who weren’t approved on the spot mostly had their claims streamlined and processed within two weeks. Some veterans even walked away with a 100% Permanent and Total (P&T) rating before the clinic wrapped up.

This article covers the best practices I observed last year so that anyone planning to attend the 2025 VA Claim Clinic is well prepared. A little planning goes a long way in making the process smoother and faster.

Event Details

The clinic will be held at the VFW’s National Convention in Columbus, Ohio, from August 9th to 13th, 2025:
https://www.vfw.org/media-and-events/126th-vfw-national-convention

How the Process Works

Here’s what to expect:

VFW VSO reps will be present to help submit claims on-site.
VA VSRs (Veterans Service Representatives) and RVSRs (Rating Veterans Service Representatives) will be there, either on-site or off-site, to process claims in real-time.
Mobile C&P (Compensation & Pension) examiners will be available. Once your claim is submitted and processed, you can walk straight to your C&P exam, return, and wait for results.

Quality assurance will still be part of the process, but many claims last year were fully adjudicated within 3-4 days. Some were completed in just one!

What Kind of Claims Work Best at the Clinic?

Quick-turnaround claims include:

Initial claims
Increases
Fully developed supplemental claims

Specialty claims requiring niche exams (like overnight sleep studies) likely won’t be processed at the clinic. If you’re wondering whether you should bring supporting evidence — the answer is absolutely yes.

What to Bring

Any private medical records (VA records are accessible by the VA team, so no need to print those)
Completed DBQs (Disability Benefits Questionnaires), if you have them
Any documentation you’d include in a Fully Developed Claim

Best Practices

If I were attending, I’d arrive Thursday night, ready to go Friday morning. While we don’t yet know the exact day the clinic opens, being there early increases your chances of quick processing. Aim to be first in line — many veterans who showed up early had same-day submissions and quick approvals.

Some veterans who arrived later had to wait until Sunday or Monday to get their claims in. But regardless, nearly everyone who attended last year walked away satisfied. Even those who waited were processed faster than the traditional VA timeline.

More Than Just a Clinic

While you’re there, take advantage of the full VFW National Convention experience. It’s open to all, whether you’re a member or not. You can explore booths, enjoy food, buy VFW gear, and even join the VFW on-site if eligible.

Stay Connected

I was really impressed by how the VA and VFW managed last year’s clinic, and I expect even greater things this year. In my opinion, this is the best VA claims event out there — and if you’re thinking of going, don’t hesitate. Get your documents in order and be ready!

Here are the best ways to find VA Claims Clinics and other outreach events:

VA Outreach Events Search: The VA maintains an outreach events calendar/search tool. This is likely the most comprehensive official resource. You can often filter by event type (like “Claims Clinic”), location, and date.
- Try searching the DiscoverVA Events page, specifically filtering for “Claims Clinic”: https://discover.va.gov/events/event-category/claims-clinic/
- You can also look for an “Outreach Events” or “Events” section directly on the main VA.gov website: https://www.va.gov/ (Look for links like “Find an outreach event”).
VA News Event Listings: VA News often publishes weekly posts listing upcoming veteran resources and events, which include claims clinics.
- Example: VA News Veteran Resources: https://www.google.com/search?q=https://news.va.gov/category/veteran-resources/
Local VA Facilities and Regional Offices: Contacting your nearest VA Regional Office or Vet Center is a reliable way to find out about clinics scheduled in your specific area.
- Find VA Locations: https://www.va.gov/find-locations/
- Regional Office Websites: https://www.benefits.va.gov/benefits/offices.asp

Upcoming Clinics Mentioned in Search Results (April/May 2025):

Iowa City, IA: April 10 & 11 (Source: User prompt & VA News)
Palo Alto, CA: April 11 (Legal Clinic – Source: User prompt)
Marina, CA: April 18 (Source: DiscoverVA)
Morrilton, AR: April 26 (Source: DiscoverVA)
Warwick, RI: April 16 (Source: DiscoverVA)
West Barnstable, MA: April 24 (Source: DiscoverVA)
Fort Washington, MD: May 3 (Source: DiscoverVA)
East Tawas, MI: May 15 (Source: DiscoverVA)
Narragansett, RI: May 16 (Source: DiscoverVA)
Westport, RI: May 17 (Source: DiscoverVA)
Woonsocket, RI: May 21 (Source: DiscoverVA)

Remember that details can change, and registration might be required for some events. It’s always best to check the official VA sources or contact the local organizers for the most current information.

A Comprehensive Guide to Securing Your VA Claim for Migraines

The Key to Winning a VA Migraine Claim: Diagnosis, Symptoms, and Nexus

The Key to Winning a VA Migraine Claim: Diagnosis, Symptoms, and Nexus

When filing a VA claim for migraines, there are three essential things to understand. Each of these components is vital, and without them, your claim could be denied or undervalued. In this article, we’re going to focus on:

The Big Three: Diagnosis, symptoms, and nexus
The importance of using a migraine log
The legal language and rating criteria you need to understand

1. You Need a Diagnosis

You absolutely need a formal diagnosis of migraines. Many veterans are prescribed medications or treatments without ever being diagnosed — which can be a huge problem when it comes to filing a claim.

If your primary care doctor is hesitant, ask for a referral to a neurologist or specialist. And if the VA still won’t provide a diagnosis, consider seeing a private physician. The origin of the diagnosis doesn’t matter as much as having one.

2. Know the Difference Between the VA Health and Benefits Administrations

Don’t blur the lines between your treatment providers (VHA) and those processing your benefits (VBA). Avoid talking about your claim intentions with your VA doctor. Just describe your symptoms truthfully and pursue the diagnosis independently of your benefits discussion.

3. Document the Severity of Your Symptoms

Migraines are subjective, and most veterans underreport their severity. One of the biggest challenges is proving that your migraines are completely prostrating and demonstrate severe economic inadaptability.

The best way to prove this is by keeping a migraine log. We highly recommend using the Migraine Buddy App, available in both app stores. Start logging every attack — frequency, duration, impact, missed work, etc. Ideally, do this for at least 4–6 months before filing your claim.

4. Why the Migraine Log Matters

This log becomes objective medical evidence. No doctor is going to follow you around to track your symptoms. Your log will show when the migraines occurred, how long they lasted, and what impact they had. This can make or break your claim.

Don’t rely on memory alone — start documenting each episode with notes like:

“Completely prostrating, had to leave work.”
“Occurred during daughter’s recital — couldn’t attend.”
“Started at 4 PM — missed anniversary dinner.”

5. Demonstrating Severe Economic Inadaptability

The VA wants to know how your migraines are affecting your work and social life. This is where a buddy letter comes in.

Have your spouse, family members, coworkers, or supervisors write statements explaining how your migraines impact your ability to function daily. These should include examples like missed workdays, being unable to drive home, social cancellations, and more. Your credibility as a veteran matters — but additional voices strengthen your case.

6. Use the Right Language

Understand the terms the VA uses in its rating criteria. Words like “prostrating” and “severe economic inadaptability” appear in the 50% rating level for migraines. Learn what they mean and make sure your medical evidence supports them.

Final Thoughts

Start today. Whether it’s through an app, a journal, or a spreadsheet — logging your migraines with detailed information will drastically improve the strength of your claim. Pair that with a proper diagnosis, consistent treatment history, and solid buddy letters, and your chances of winning the claim the first time increase significantly.

Disclaimer: This article is intended for informational purposes only and is not official legal or medical advice. Portions of this article may include personal opinions based on real veteran experiences and observations.

Don’t Wait: VA Disability Compensation Rating Schedule Changes Ahead

Upcoming VA Rating Schedule Changes: Why Veterans Should File Now

The Department of Veterans Affairs (VA) continues to revise its rating schedules. If you’re a veteran with certain conditions, it’s crucial to consider filing a claim now—before it’s too late. The VA has a history of implementing significant changes with limited outreach, leaving many veterans unaware until it’s too late.

Since 2017, the VA has modified ten rating schedules, including changes to the digestive system just a year and a half ago. These updates can greatly impact veterans, especially those who have not yet filed claims. For example, the rating schedule for gastroesophageal reflux disease (GERD) was previously evaluated under hiatal hernia criteria, which considered common symptoms like heartburn and indigestion. Today, the VA focuses almost exclusively on esophageal stricture and difficulty swallowing. This has made it more difficult to obtain compensation for GERD unless severe symptoms are documented.

Upcoming Changes Expected in August

In August of this year, the VA is expected to finalize updates to four additional rating schedules:

Mental Health
Auditory
Respiratory
Neurological

If you have a condition affected by these upcoming changes, filing a claim before the new schedules take effect can help protect your benefits.

Key Concerns for Veterans

1. Tinnitus Will No Longer Be a Standalone Condition

The VA is expected to remove tinnitus as a ratable condition on its own. Instead, it will be considered a symptom of another condition, such as Meniere’s disease or traumatic brain injury (TBI). This shift could result in more claim denials, as veterans will need to establish a direct link between tinnitus and a primary service-connected condition.

Currently, tinnitus is one of the most commonly rated conditions, often at 10%. While it may seem minor, that 10% can unlock secondary claims for migraines, anxiety, depression, and more. Veterans are strongly encouraged to file now before this change takes effect.

2. Major Changes to Sleep Apnea Ratings

The proposed update to the sleep apnea rating schedule could dramatically reduce benefits. Under current rules, being prescribed a CPAP machine typically results in a 50% rating if service connection is granted. The proposed changes would lower this to 0% if treatment is deemed effective.

If you suspect your sleep apnea is related to your military service, it’s essential to file a claim or submit an intent to file before the new schedule takes effect. Claims submitted before the effective date will be considered under the current criteria, even if the decision comes later.

Need Medical Evidence? Consider AME

If you require a proper diagnosis, a nexus letter, or medical documentation such as a Disability Benefits Questionnaire (DBQ), consider working with American Medical Experts (AME). Their board-certified doctors can provide reliable, evidence-based reports—often without you needing to leave your home.

Final Thoughts

Don’t leave benefits on the table. Every percentage point counts, especially if you’re rated below 100% Permanent and Total. These changes could make it significantly harder to get rated in the future, and proactive action now can protect your access to important benefits like compensation, special monthly compensation, and clothing allowances.

Unlock Six Figures: Combining SSDI and VA Disability

How Veterans Are Earning Over $100K Per Year—Tax-Free—by Combining VA and SSDI Benefits

There’s a little-known but highly effective method that veterans are using to increase their household income—by combining their VA disability compensation with Social Security Disability Insurance (SSDI). This approach can generate upwards of $100,000 per year in income, with a significant portion of it being tax-free.

If you’re a veteran with a VA disability rating—whether it’s 100% or less—you may also qualify for SSDI. And yes, you can receive both at the same time.

Meet Jordan Anderson

Jordan Anderson, a 100% rated Air Force veteran and founder of VA Claims Academy, has helped thousands of veterans achieve the VA ratings they deserve. Many of them have also successfully applied for SSDI, dramatically increasing their total household income.

VA Disability vs. SSDI: Key Differences

VA disability compensation is paid for service-connected conditions. SSDI, on the other hand, is designed for any condition—service-connected or not—that limits your ability to work.

Although managed by different agencies, documentation from your VA claim (such as C&P exam results, doctor notes, and treatment history) can be used as strong medical evidence for your SSDI application. If you’re rated 100% Permanent and Total (P&T), your SSDI claim—and even your appeals—can be expedited.

Qualifying for SSDI

To qualify for SSDI, you need a specific number of work credits based on your age. If you’re over 31, you typically need 20 credits earned within the 10 years prior to becoming disabled. Fortunately, your military service time counts toward these credits.

TDIU and SSDI

If you’re rated as TDIU (Total Disability based on Individual Unemployability), your documentation of unemployability can provide compelling evidence for your SSDI claim. Both programs focus heavily on your inability to work, which makes this synergy very powerful.

Medical Evidence Is Everything

The success of your SSDI claim will largely depend on the quality and quantity of your medical evidence. The nexus letters and personal statements you submitted for your VA claim may be reused to support your SSDI application.

How Much Can You Earn?

A veteran receiving 100% P&T VA compensation typically receives around $4,000/month—nearly $50,000/year. SSDI benefits can also approach $4,000/month, depending on your prior earnings. Combined, that’s close to $100,000/year.

And remember, your VA compensation is completely tax-free. This gives it a much higher effective value—comparable to a taxable salary of around $70,000–$75,000. The combined income could be worth even more than six figures annually.

Important Caveats

You can still work a job if you’re 100% P&T from the VA—unless you’re on TDIU, in which case working is not allowed.
SSDI has strict income limits. Even passive income, like rental property income, can sometimes be counted and affect your eligibility.

Final Thoughts

If your service-connected disabilities are preventing you from working, it’s worth exploring whether you’re eligible for SSDI in addition to your VA benefits. The financial and emotional relief this combination brings can be life-changing for you and your family.

Don’t leave benefits on the table. Talk to a qualified Social Security disability professional to explore your options fully.

Disclaimer: This article is provided for informational and educational purposes only. It reflects the personal opinions and experiences of veterans and is not legal or financial advice. Please consult with a certified claims representative or licensed professional regarding your specific circumstances.

VA PROCESS Leaves Veterans Disgusted and Overwhelmed when filing for VA Disability Compensation

Feeling Overwhelmed by the VA? You're Not Alone

The VA Disability Process: A Complex Journey

VA disability compensation through the Veterans Benefits Administration (VBA) can be complex. Maybe you’ve tried filing on your own, only to receive a much lower rating than expected. Maybe your secondary conditions were denied. If free services aren’t meeting your needs — maybe they lack the follow-through or understanding you’re looking for — don’t jump straight into working with a high-fee claim shark.

Consider a Smarter Option: VetCom

Instead of paying five or six times your benefit increase to a third-party organization, consider working with VetCom. They offer an affordable, one-time fee — far less than what many other companies charge. More importantly, they operate transparently and ethically.

Why does a one-time upfront payment matter? It significantly reduces the risk of fraud. Unlike companies that charge based on your benefit increase — which might encourage unethical practices — VetCom’s model promotes honest, accurate filing.

The Value of Expert Eyes

VetCom employs experienced professionals, including veterans and senior claim specialists, who know the ins and outs of the VA process. Having a second set of eyes on your claim can make all the difference. Missing a checkbox, forgetting a signature, or submitting an incomplete form can lead to delays that last months. Their experts can also help identify conditions you didn’t know were eligible for compensation, suggest medical evidence you might be missing, and recommend getting additional documentation like DBQs or Nexus letters.

Stop the Hamster Wheel

Too many veterans fall into a cycle: submit a claim, get denied or low-rated, get discouraged, and try again years later with the same results. Don’t get stuck in that loop. Leveraging professionals who work with VA claims daily can help you break free from the hamster wheel.

Get a Free Consultation

VetCom offers a free initial consultation. If you’re unsure whether professional help is right for you, reach out and have a conversation. The information is free, and it could be the step that moves your claim forward. Plus, you’ll likely speak with someone who truly understands — another veteran or family member of a veteran who knows the system and the struggle.

Sure, you can file your claim yourself — and many do successfully. But for the majority who haven’t even filed yet or are unaware they qualify, having help can be a game changer. While free services exist, they’re not always accessible or consistent across the country. Many veterans find themselves without reliable support and end up paying too much for help.

Why I Recommend VetCom

Here’s why I chose to partner with VetCom:

They don’t overcharge veterans.
They avoid unethical practices and prioritize your best interests.
They take time to review your conditions thoroughly and help connect the dots — whether your conditions are direct, secondary, or previously rated and eligible for an increase.

You get one-on-one support, personalized service, and expert guidance to help get your claim across the finish line — and not just approved, but approved at the rating you actually deserve.

Reach out through the link in the description or comments. Fill out your information, get your free consultation, and see how VetCom can help you navigate the VA with confidence.

Disclaimer: This article represents the author’s personal opinion and experience. It is not affiliated with or endorsed by the Department of Veterans Affairs or any government agency. Please do your own research and consult with appropriate professionals before making any decisions about your VA benefits.

Is Your VA Claim Robust? A Detailed Guide to Evaluation and Enhancement

Navigating a Weak VA Claim: Stay Positive and Educate Yourself

If you’ve filed a VA claim and worry it might be weak, it’s easy to feel discouraged. However, speculating about the outcome won’t help. The truth is, neither you nor anyone else can predict what a VA rater or C&P examiner will decide. Instead of focusing on the negative, channel your energy into strengthening your claim, preparing for an appeal, or learning more about the VA claims process. Here’s how to stay proactive and keep a winning mindset while awaiting your decision.

Shift Your Focus to Education

While waiting for your VA decision letter, use this time to educate yourself about your disabilities and the VA claims process. Here are some actionable steps to get started:

Research Diagnostic Codes: Understand the VA’s Schedule for Rating Disabilities and how your conditions are evaluated.
Learn VA Law: Familiarize yourself with VA regulations, including primary and secondary service connections, to build a stronger case.
Gather Medical Evidence: Strong medical evidence is critical. Consider consulting private doctors if VA medical care isn’t meeting your needs.
Explore Special Monthly Compensation (SMC): If you’re aiming for 100% Permanent and Total (P&T) or have unique circumstances, learn about SMC, which can provide additional compensation for specific conditions.

Surround Yourself with Positivity

Negative influences, whether in online groups or personal circles, can drag you down. Seek out positive communities—veterans who share constructive advice and encouragement. Avoid dwelling on worst-case scenarios and focus on what you can control: building knowledge and preparing for the next steps.

Prepare for All Outcomes

Whether your claim is approved, denied, or partially approved, have a plan. If denied, gather more medical evidence or consult a VA-accredited representative. If approved but underrated, explore filing for an increase. Even at 100% P&T, you may qualify for additional benefits like SMC. Always think a few steps ahead and be ready to act.

Adopt a Fighter’s Mindset

Dealing with the VA can be frustrating, but a victim mentality won’t get you far. Tap into the resilience that got you through your military service. The VA claims process is a battle, and you’re fighting for the compensation you deserve. Stay persistent, keep learning, and don’t give up.

Do Something Productive

Instead of worrying about your claim, consider productive outlets. Start a blog, join a veteran support group, or share your journey to help others. Learning about the VA process can even be engaging—turn it into a challenge to master the system. The more you know, the better equipped you’ll be to navigate future claims or appeals.

Final Thoughts

You can’t control the VA’s decision, but you can control how you prepare and respond. Educate yourself, stay positive, and keep fighting. The VA claims process is complex, but with persistence and knowledge, you can work toward the benefits you’ve earned.

Disclaimer: The opinions expressed in this article are those of the author and do not constitute legal or professional advice. Veterans are encouraged to consult with VA-accredited representatives or legal professionals for guidance on their specific claims.