It is no secret that both I and many others have, at times, raised serious concerns about the Department of Veterans Affairs (VA). From delayed claims processing to inconsistencies in medical care or communication breakdowns, the criticisms are often valid and deserving of attention. After all, veterans have earned the right to expect high standards of service in return for the sacrifices they made. Holding the VA accountable is not just necessary—it’s a duty.

However, it’s equally important to recognize the broader truth: despite its flaws, the VA serves the veteran community—including their family members—in a profoundly positive and meaningful way. For millions of veterans across the United States, the VA provides a lifeline, offering healthcare, mental health support, housing assistance, education benefits, rehabilitation programs, and much more. These services help improve quality of life, restore dignity, and open doors to opportunities that many would otherwise never have.

The impact of the VA stretches beyond statistics or policy. It’s visible in the elderly veteran receiving critical medical care, in the young service member pursuing a college degree under the GI Bill, and in the families who find support through VA-backed home loans and survivor benefits. It’s found in the VA social worker who goes the extra mile, the doctor who listens attentively, and the outreach team that helps a homeless veteran find shelter.

Yes, the VA is far from perfect. And yes, there are valid reasons to criticize and demand better. But those criticisms should not overshadow the reality that the VA, in many ways, fulfills its mission with strength and compassion. The positive outcomes it creates for countless veterans far outweigh the negative aspects, and that truth deserves to be acknowledged.

Constructive criticism can lead to progress—but appreciation encourages morale, trust, and continued improvement. As we speak up about what’s broken, we must also give credit where it’s due. The VA, in its many capacities, continues to serve as a vital pillar in the lives of veterans and their loved ones. For that, we are thankful.

When it comes to navigating the VA disability benefits system, the reality is clear: if you’re seeking compensation, it’s not just about filing claims—it’s about understanding the “money rules” that determine what you receive. In this system, winning a claim doesn’t necessarily mean you’ll receive meaningful compensation. For example, you can “win” a claim and receive a 0% rating. While technically a win on paper, it doesn’t equate to a financial benefit, which is often a key goal for many veterans.

Know the VA Math and Rating Criteria

Before filing any claim, especially under the PACT Act, it’s crucial to understand how the VA’s rating system works. You should research the disability you plan to claim and review its rating criteria in advance. This helps you anticipate the likelihood of receiving a rating that will significantly affect your compensation.

Case Study: Allergic Rhinitis

Allergic rhinitis is a good example. It maxes out at a 30% disability rating, compared to other conditions—such as mental health issues—that can be rated up to 100%. If allergic rhinitis is your main claim, you’re already limited in how much it can contribute to your overall rating.

Under the VA criteria:

• 30% rating is given only when nasal polyps are present.
• 10% rating is given without polyps.
• If neither applies, you may receive a 0% rating, which holds no financial value.

So if your goal is to increase your compensation, you need to consider whether filing a claim for allergic rhinitis, or similar low-rated conditions, will realistically help. Many veterans find themselves stacking low-rated disabilities that do little to move their overall rating—or financial compensation—higher.

Consider Strategic Alternatives: TDIU

Instead of filing claims that cap at low percentages, one potentially more impactful route is TDIU—Total Disability based on Individual Unemployability. TDIU can grant you compensation at the 100% level, even if your combined rating is below 100%, as long as your service-connected disabilities prevent you from working.

TDIU is awarded based on your ability to maintain substantially gainful employment, not just whether you’re currently working. However, it’s important to show that your inability to work is due to service-connected disabilities—not due to economic conditions or unrelated factors.

Two Routes to TDIU

1. Schedular TDIU:
   • One disability rated at 60% or more, or
   • Two or more disabilities with a combined rating of 70%, and at least one rated at 40%.

   This is commonly referred to as the 60/70/40 rule and is more straightforward.

2. Extraschedular TDIU:

   Applies when you don’t meet the schedular requirements, but your service-connected disabilities still prevent you from working. These claims are more complex and typically require a vocational expert to provide supporting evidence.

Revisiting Allergic Rhinitis in TDIU Context

Let’s say you filed a claim for allergic rhinitis and received a 0% rating. If you believe this condition (or others) contributes significantly to your inability to work, extraschedular TDIU may still be a viable option. You must already have a service-connected rating to apply for TDIU, but even low-rated conditions can be used to make your case—if documented and supported correctly.

If you’re close to meeting the schedular thresholds for TDIU, it may be smarter to first focus on increasing ratings for higher-impact disabilities and then apply for TDIU once you’re eligible under the schedular route. This can be a more reliable and streamlined path to 100% compensation.

Final Thoughts

Navigating the VA system isn’t just about filing claims—it’s about knowing which claims to file, understanding the money rules, and planning a strategy based on where your case realistically fits. Filing for conditions with low rating ceilings may give you an award, but not necessarily one that affects your wallet. In contrast, TDIU—especially when carefully approached—can unlock 100% benefits for veterans who qualify.

Disclaimer:
Some portions of this article are based on opinion, interpretation, and strategic insight drawn from personal experience and observation. While factual information regarding VA rules and criteria is included, readers should consult official VA documentation or a certified VA claims agent for formal guidance on their specific situation.

If you’re a veteran, you know navigating the VA system can be frustrating and time-consuming. But over the past decade, one tool has truly stood out in making things easier—the VA Health and Benefits mobile app.

Whether it’s managing appointments, messaging your care team, or accessing vital benefits documents, this app is packed with features that can save you hours and streamline your interactions with the VA. Below, we’ll explore the app’s most useful tools, hidden features, and why it’s become an essential daily tool for many veterans.

Seamless Access and Login

The app uses the same login credentials as the VA.gov site. Veterans can use their ID.me or Login.gov accounts, and even enable biometric login like Face ID for quicker access.

Home Screen Highlights

Right at the top, you’ll find a shortcut to the Veterans Crisis Line, providing immediate access for those in urgent need. Below that, the “Activity” section shows personalized updates, such as upcoming appointments or claims progress.

Profile Customization

Tap the profile icon to view your service details, contact information, military history, and more. You can also manage app settings like notifications and Face ID security here. Notifications are especially helpful for staying updated on new claim activity or prescription refills.

Find VA Locations Easily

Need to visit a clinic or VA office? Use the built-in location finder to search by ZIP code or address. The app provides directions and contact info for nearby VA facilities.

Health Management Features

Under the “Health” tab, veterans can:

• View upcoming and past appointments
• Send secure messages to VA care teams
• Track and refill prescriptions with just a few taps
• Access personal medical records, including immunizations and allergies

One of the standout features is the secure messaging function. You can message providers directly, ask questions, and even attach documents. Many users receive responses within 24 hours—and sometimes even a follow-up phone call.

Benefits and Compensation

From the “Benefits” tab, veterans can manage:

• Claims: View claim status, decision letters, and appeal outcomes
• VA Letters: Instantly download key documents like benefits verification letters
• Disability Ratings: See your service-connected conditions and ratings

Letters like proof of coverage or disability verification can be viewed, saved as PDFs, and shared—making it easier to provide documentation when needed, even on the go.

Payments and Direct Deposit

The app’s “Payments” section allows you to:

• Track monthly payments and back pay
• Update direct deposit details

This is especially useful if you’re trying to determine the timing or amount of a past benefit increase or want to confirm receipt of payment.

Final Thoughts

The VA Health and Benefits app has dramatically improved how veterans access care and manage their benefits. From health management to financial tracking, the app provides a consolidated experience that replaces hours of web navigation or waiting on hold.

While the VA still has room for improvement in other areas, this mobile app is arguably the most veteran-friendly advancement they’ve made in the past decade.

If you haven’t already downloaded the app, it’s available on both iOS and Android. Give it a try—it might just change the way you interact with the VA.

Have questions or experiences with the app? Share them in the comments below!

Disclaimer: This article represents the opinion of the author and is intended for informational purposes only. VeteransBenefitsHub.com is not affiliated with the U.S. Department of Veterans Affairs. Always consult directly with the VA or a qualified representative for personalized guidance.

Are you or a loved one turning 65 this year? If so, it’s time to get familiar with Medicare. Whether you’re a veteran, a spouse, or a family member, understanding Medicare enrollment is essential to avoid costly penalties and to make the best healthcare decisions for your future.

To help you navigate this complex system, we’ve zeroed in on Chapter, a free service that provides expert Medicare guidance. Yes, free—no catch. Chapter’s team is ready to help you or your loved one find the best Medicare options based on your unique situation. Click here to connect with Chapter now.

Medicare Enrollment Basics at Age 65

When you turn 65, you enter a critical period called the Initial Enrollment Period (IEP). This begins three months before your 65th birthday, includes your birthday month, and extends for three months after. Enrolling during this window is key to avoiding late penalties.

Automatic Enrollment

If you are already receiving Social Security retirement or disability benefits, you’ll automatically be enrolled in both Medicare Part A and Part B when you turn 65.

Delayed Enrollment

If you’re still working and covered by an employer plan, you may choose to delay enrolling in Medicare Part B. However, you must enroll as soon as that coverage ends, or you could face a late enrollment penalty.

Part B Late Enrollment Penalty

Missing your Initial Enrollment Period without qualifying coverage can result in a monthly penalty—for life. This is why it’s crucial to get timely, accurate information about your eligibility and options.

Steps to Enroll in Medicare

1. Determine your eligibility: If you qualify for premium-free Part A, you may be enrolled automatically. Otherwise, you’ll need to apply.
2. Apply for Medicare: You can apply for Part A and Part B online through the Social Security Administration. Or, contact Chapter for free, personalized help.
3. Consider employer coverage: If your employer has 20+ employees, your employer’s plan may remain primary, allowing you to delay Part B. If not, Medicare becomes your primary coverage.

Special Enrollment Periods (SEPs)

If you delay enrollment due to having employer-sponsored insurance, you’ll be eligible for a Special Enrollment Period when that coverage ends. This allows you to sign up for Part B without penalties.

Understanding Medicare Part A vs. Part B

• Part A: Hospital insurance. Usually free if you’ve worked 10+ years.
• Part B: Medical insurance. Includes a monthly premium and covers outpatient services, preventive care, and more.

Working Past 65? You’re Not Alone

According to Pew Research, over 11 million Americans over 65 are still working. The number has quadrupled since the mid-1980s. Many older adults stay on their employer plans or remain on a spouse’s insurance.

A recent AARP study shows that about 23% of adults aged 50–64 are on employer-sponsored plans. If this includes you, it’s important to weigh your options carefully. Medicare could fill gaps or even reduce your out-of-pocket costs.

Get Free Help Navigating Medicare

Let’s be honest—Medicare is complicated. Mistakes can cost you. That’s why we recommend connecting with Chapter. Their free service helps you compare plans, understand eligibility, and avoid penalties. Click here to get started with Chapter.

Whether you’re a veteran, spouse, or family member, Medicare is a crucial piece of the healthcare puzzle at 65. Get informed. Make smart decisions. And don’t go it alone.

Disclaimer: This article is for informational purposes only and is not legal or financial advice. VeteransBenefitsHub.com is not affiliated with the U.S. Department of Veterans Affairs (VA) or the Social Security Administration. We encourage readers to consult with qualified professionals or use trusted services such as Chapter for Medicare enrollment guidance.