Making Informed Decisions About Your VA Disability Compensation Benefits

Navigating Your VA Claim: Understanding Your Options

When it comes to filing a VA disability claim, veterans face important decisions about how to proceed. Whether you’re filing today, next month, or years from now, understanding your options can make all the difference in successfully navigating the VA claims process. This article explores the choices available, offering insights to help you make informed decisions.

Filing a VA Claim: DIY or Get Help?

You can file a VA claim on your own, but the process is complex and filled with nuances that can be challenging to navigate without experience. Unless you’re well-versed in VA regulations and procedures, going it alone may not be the best approach. Instead, consider working with a professional who can provide a second set of eyes to ensure your claim is thorough and accurate.

Your Options for Assistance

Veterans have several options for getting help with their claims:

Accredited Veteran Service Officers (VSOs): VSOs, often affiliated with organizations like the Disabled American Veterans (DAV) or Veterans of Foreign Wars (VFW), provide free assistance. They are trained to help veterans file claims and navigate the VA system. However, availability varies by location, and some VSOs may have limited bandwidth or long wait times.
VA-Accredited Claims Agents or Attorneys: These professionals typically assist with appeals, supplemental claims, or cases that reach the Board of Veterans’ Appeals or the Court of Appeals for Veterans Claims. They rarely handle initial claims and may charge fees, but their expertise can be invaluable for complex cases.
Claims Consulting Companies: Some unaccredited companies offer claims assistance for a fee, often charging significant amounts—sometimes up to five or six times the monthly increase in your disability benefits. While these companies may promise faster results, their practices have raised concerns, as highlighted in a WoundedWarriorProject.org article titled, “ Wounded Warrior Project Warns Veterans of Predatory Claims Assistance Practices”

The Controversy Surrounding Claims Consulting Companies

Unaccredited claims consulting companies, such as Veterans Guardian, have come under scrutiny for charging high fees for services that VSOs and nonprofits provide for free. TheWarHorse.org article reports that Veterans Guardian’s business model has been criticized by lawmakers and attorney generals, with allegations of fraudulent practices and exploiting veterans. For example, a whistleblower lawsuit claims the company charged veterans thousands of dollars—sometimes up to $22,000 for a single claim—by focusing on maximizing disability ratings, occasionally through questionable tactics.

Why do veterans turn to these companies? The VA claims process can be slow and frustrating, with a backlog of over 240,000 cases as of March 2025, according to VA data. Free resources like VSOs are not always accessible, especially in understaffed areas. Some veterans, desperate for help, may see these companies as a viable option despite the high costs.

A Smarter Alternative: Flat-Fee Services

In my view, a more cost-effective and ethical option is working with organizations that charge a transparent, flat fee for claims assistance. Companies like VetComm, for example, offer services for a one-time fee, which is often significantly lower than the percentage-based fees charged by some consulting firms. A flat-fee model reduces the risk of inflated claims or unethical practices, ensuring you pay a fair price for professional help without compromising the integrity of your claim.

Why a Second Set of Eyes Matters

Having an experienced professional review your claim can make a significant difference. They can identify secondary conditions, ensure all documentation is complete, and help you avoid common pitfalls. For example, a professional might spot an opportunity to file for an increase or add a condition you hadn’t considered, maximizing your benefits within the bounds of the law.

Challenges with Free Resources

While VSOs are a fantastic resource, their availability varies widely. In some areas, VSOs are overwhelmed, with wait times stretching months. In one instance, a Washington state VSO informed a veteran they were not accepting new clients due to being months behind. Understaffing and limited resources in certain regions can leave veterans with few options, pushing some toward paid services.

Making an Informed Choice

When choosing how to proceed with your VA claim, consider the following:

Try Free Resources First: Contact a VSO or nonprofit organization like the DAV or VFW. They offer free, accredited assistance and are often highly knowledgeable.
Research Paid Services Carefully: If free resources aren’t available, look for reputable companies with transparent pricing, preferably a flat fee. Avoid firms that charge excessive fees based on your benefit increase.
Beware of Red Flags: Be cautious of companies that promise guaranteed results, encourage exaggerated claims, or use high-pressure sales tactics. These could lead to fraudulent claims, which may put you at risk.
Understand the VA Process: All claims, regardless of who assists you, go through the same VA review process. There’s no “magic bullet” to speed things up, so focus on accuracy and completeness.

The Bottom Line

The VA claims process can be daunting, but you have options. Whether you work with a VSO, an accredited attorney, or a flat-fee service, the goal is to ensure your claim is accurate, complete, and fairly evaluated. By making informed choices, you can secure the benefits you’ve earned without falling prey to exploitative practices.

At VeteransBenefitsHub.com, we’re committed to empowering veterans with the knowledge and resources to navigate the VA system. Share this article with a fellow veteran who might benefit, and let’s work together to support our brothers and sisters in arms.

Disclaimer

Portions of this article reflect the opinions of the author based on their experience as a former accredited Veteran Service Officer. While we strive to provide accurate and helpful information, veterans should conduct their own research and consult with accredited professionals before making decisions about their VA claims. VeteransBenefitsHub.com is not affiliated with the Department of Veterans Affairs or any government agency.

How VA Changes Could Boost Your Disability Rating

Upcoming VA Mental Health Rating Changes: What Veterans Need to Know

The VA is preparing to roll out major changes to its mental health rating schedule, and this could have a big impact on veterans with conditions such as PTSD, MST, depression, anxiety, and other mental health issues. Whether you’re rated at 30%, 50%, or 70%, these updates may offer a path to a higher rating — but it will require preparation and effort on your part.

Importantly, these changes have not yet taken effect. Based on historical trends, the VA will likely provide a two-month advance notice. As of now, the new schedule is tentatively scheduled to go into effect in August 2025, although delays are possible.

Preparation is Key

If you want to take advantage of the new mental health rating schedule, you must prepare properly. That means:

Understanding the changes in detail
Working with a medical provider who is knowledgeable about the upcoming rating criteria
Gathering medical evidence that specifically addresses the new evaluation standards

Ideally, your provider should help you complete a Disability Benefits Questionnaire (DBQ) that aligns with the new rating structure. If your current doctor is unwilling or unable to assist, organizations like American Medical Experts (AM) offer free consultations and understand what evidence the VA is looking for.

What’s Changing?

Currently, mental health ratings are based on a broad list of symptoms and severity levveteransbenefitshub.comels. The new system will break mental health evaluations into five distinct “domains of function”:

Cognition
Interpersonal Interactions and Relationships
Task Completion and Life Activities
Navigating Environments
Self-Care

Each domain will be rated separately on a severity scale from 0 to 4:

0: No impairment
1: Mild impairment
2: Moderate impairment
3: Severe impairment
4: Total impairment

Additionally, the 0% rating will be eliminated — the new minimum will be 10%. Also, the VA is removing the “total occupational and social impairment” requirement from the 100% rating criteria, potentially making it easier to qualify for full benefits.

Understanding Severity Levels

It’s crucial to understand how the VA defines severity levels for each domain:

Mild (Level 1)

Slight difficulties that do not interfere with tasks, activities, or relationships. No frequency requirement.

Moderate (Level 2)

Clinically significant difficulties that interfere with tasks, activities, or relationships. Must occur 25% or more of the time, or severe impairment less than 25% of the time.

Severe (Level 3)

Serious difficulties that interfere with tasks, activities, or relationships. Must occur 25% or more of the time, or total impairment less than 25% of the time.

Total (Level 4)

Profound difficulties that cannot be managed or remedied, interfering completely with tasks, activities, or relationships. Must occur at least 25% of the time.

How the Ratings Will Be Assigned

Your final mental health rating will be based on the combination of ratings across the five domains. Examples:

30% Rating: Mild impairment in two or more domains.
50% Rating: Moderate impairment in two or more domains.
70% Rating: Severe impairment in two or more domains.
100% Rating: Total impairment in two or more domains, or a combination of severe and total impairments as specified in the schedule.

Final Thoughts

While these changes offer an opportunity for many veterans to receive a more accurate and possibly higher rating, it’s critical to be proactive. Learn the new system, seek qualified medical support, and ensure your conditions are documented according to the new standards.

Start working on your claims early — preparation could make all the difference when the new system takes effect.

Disclaimer: Some portions of this article may include personal opinions based on interpretation of the proposed VA rating schedule changes. Veterans should consult with a qualified VA-accredited representative or medical professional for personalized advice regarding their specific situation.

Secure Your Sleep Apnea Claim: Unveiling Scientific Evidence

How Veterans Can Win a Sleep Apnea Claim

If you’re a veteran, there’s a good chance you have sleep apnea whether you know it or not. It’s also a condition that, if service-connected, could be worth more than $1,000 per month. This article will walk you through exactly how to win your sleep apnea claim before the process becomes even more restrictive.

Even if you haven’t been diagnosed yet or if decades have passed since your military service, this guide will show you the exact path to success. Plus, we include scientific evidence and real case examples to support your claim.

Understanding Sleep Apnea vs. Insomnia

Many people confuse sleep apnea with insomnia. Sleep apnea is a respiratory condition where you experience breathing interruptions during sleep, called “events.” In contrast, insomnia is the inability to fall or stay asleep. During a sleep study, doctors are looking for those breathing interruptions, not just poor sleep.

If diagnosed with sleep apnea, particularly obstructive sleep apnea (OSA), it’s crucial to use your CPAP or APAP machine as prescribed. Untreated sleep apnea can significantly shorten your lifespan.

VA Rating for Sleep Apnea

Currently, sleep apnea typically garners a 50% VA disability rating if diagnosed and prescribed a CPAP or APAP machine. You do not have to prove that you use the machine to qualify for the rating, but this policy may change soon. Veterans should act promptly to initiate claims under the current rules.

Claiming Sleep Apnea: Secondary Conditions

Many veterans will file a secondary claim to link sleep apnea to an existing service-connected condition. Here’s what you’ll need:

A current diagnosis of sleep apnea from a sleep study.
A service-connected condition that could cause or aggravate sleep apnea.
A Nexus letter from a medical professional connecting the sleep apnea to your service-connected condition.

Common Conditions Linked to Sleep Apnea

Gastroesophageal Reflux Disease (GERD)

If you are service-connected for GERD (even at 0%), you can claim sleep apnea secondary to GERD. Peer-reviewed scientific studies support this connection, including a meta-analysis from the National Institutes of Health (NIH).

Weight Gain and Obesity

Obesity is a primary risk factor for sleep apnea. If you are service-connected for a condition that led to weight gain — such as back pain, knee injuries, depression, or medication side effects — you can use obesity as an interim step to link your sleep apnea to military service. Scientific studies from PubMed support this relationship.

This approach requires a clear explanation in your personal statement and a Nexus letter stating that your service-connected condition caused obesity, which in turn caused sleep apnea.

Building Your Sleep Apnea Claim

To maximize your chances of success:

Personal Statement: Clearly explain how your service-connected condition led to weight gain or contributed to sleep apnea.
Nexus Letter: Obtain a letter from a qualified doctor connecting your sleep apnea to your service-connected condition, directly or through obesity.
Scientific Evidence: Attach studies supporting your claim when submitting your application on VA.gov.

Helpful resources for obtaining free Nexus letters and templates are available through reputable online services.

Conclusion

Sleep apnea is a serious condition, and service-connecting it can significantly impact your monthly VA compensation. Using secondary conditions and scientific evidence, many veterans have successfully claimed benefits even decades after service. Start now before new VA rules potentially make it harder to qualify.

Disclaimer: Some portions of this article reflect opinion and personal experience regarding VA claims processes. While we strive to provide accurate and useful information, every veteran’s situation is unique. Always consult a qualified VA-accredited representative or attorney for individualized assistance.

DIC and CHAMPVA: Key VA Benefits for Spouses

Planning Ahead: How Disabled Veterans Can Help Their Spouses Access DIC Benefits

One of the most important VA benefits available for the spouses of disabled veterans after the veteran’s passing is Dependency and Indemnity Compensation (DIC). If you are a veteran with a service-connected condition that has a high likelihood of contributing to your death, it may be worth ensuring that the condition is officially service-connected—even if it’s rated at 0%. Doing so can make the process easier for your spouse when applying for DIC benefits in the future.

Example: Heart Conditions

A good example is heart conditions. If you have high blood pressure, a history of heart attacks, or general heart problems, it is a smart strategy to pursue service connection for these issues. Heart disease remains the leading cause of death in the United States, so having such conditions recognized by the VA—even at 0%—can help establish eligibility for DIC benefits later on.

Alternate Pathways to DIC Eligibility

Another way your spouse could qualify for DIC benefits is if you are rated at 100% disability for at least 10 consecutive years prior to your passing. However, certain marriage duration requirements must also be met:

You must be married to your spouse for at least one year before your death.
If your spouse wishes to continue receiving DIC benefits, she must not remarry before turning 57 years old. If she remarries after age 57, she can still retain DIC benefits.

Documentation Your Spouse Will Need

When your spouse applies for DIC benefits, the VA will request a range of documentation to confirm eligibility. It’s helpful to prepare these materials in advance:

Marriage certificate
Birth certificates of any dependent children
Death certificate listing cause of death
Divorce decrees from any prior marriages (for both spouses)

Having these documents organized and readily available will streamline the DIC application process for your spouse.

Understanding Contributing Factors

It’s important to note that the service-connected condition does not have to be the primary cause of death. It can be listed as a contributing factor on the death certificate. For example, if you suffer a fatal fall due to instability caused by a service-connected back or foot condition, your spouse could argue that your service-connected disability contributed to your death.

Building a Strong Case for DIC

The VA’s promotional materials often make DIC benefits seem easier to obtain than they actually are. In reality, it takes strategic planning. Building redundancy into your case by establishing multiple service-connected conditions can improve your spouse’s chances of success. Medical evidence will be key, so make sure your medical records—both VA and private—are complete and updated regularly.

Application Process

Your surviving spouse will need to file VA Form 21P-534EZ, titled “Application for DIC, Survivors Pension, and/or Accrued Benefits.” If the application is submitted within one year of the veteran’s death, retroactive benefits will be paid back to the date of death. If filed after one year, the effective date will be the date the VA receives the application.

Final Thoughts

Preparing now can make a significant difference in your family’s future. Setting things up correctly today—by getting appropriate conditions service-connected and keeping your records organized—can help ensure that your spouse receives the benefits she deserves without unnecessary stress and delays. Think of this preparation as part of the same effort and diligence you put into your own VA claims.

Take the time to educate yourself and strategize. The financial impact for your family can be substantial, and it’s well worth the effort to make sure everything is in place for when the time comes.

Disclaimer: This article is intended for informational purposes only. Portions of the content reflect personal opinions and strategies regarding VA benefits based on experience. It is recommended that readers consult with a qualified VA representative or attorney for personalized advice.

Unveiling VA’s Mental Rating Scheme: What to Expect in 2025

VA Mental Health Rating Changes Coming: What Veterans Need to Know

The Department of Veterans Affairs (VA) is preparing to overhaul its entire mental health rating criteria — and these changes could have a serious impact on your monthly disability payments. If you currently have a mental health rating, or you are planning to file a claim soon, this upcoming shift could be either a tremendous opportunity or a major obstacle. Understanding the new criteria is critical to navigating this process successfully.

Currently, the VA’s rating system for mental health conditions focuses heavily on social and occupational impairment — that is, how your service-connected mental health condition impacts your ability to work and maintain relationships. All mental health conditions — whether PTSD, MST, depression, anxiety, adjustment disorder, or somatic symptom disorder — are lumped together under a single rating system. You cannot stack ratings for multiple mental health diagnoses.

Problems with the Current System

Under the current structure, even veterans with severe mental health struggles can face hurdles when trying to secure a 100% rating. You may express severe emotional suffering, strained family relationships, and diminished ability to enjoy life — but if you can hold down a job, the VA often caps you at a 70% rating. This over-simplified approach often leaves deserving veterans under-compensated.

What’s Changing?

Beginning in August 2025, the VA is rolling out a new rating model based on five major “domains” of mental health function:

Cognition: Impairments in memory, focus, and clear thinking.
Interpersonal Interactions: Difficulties with social relationships, including work settings.
Task Completion/Life Activities: Challenges completing daily tasks and engaging in hobbies or enjoyable activities.
Navigating Environments: Struggles with movement and orientation, which can include issues like road rage or dissociation.
Self-Care: Problems with hygiene, health maintenance, and general care of oneself.

Each domain will be rated on a scale from 0 to 4:

0: No impairment.
1-3: Varying levels of moderate to severe impairment (subject to interpretation).
4: Total impairment.

How Will the New Scoring Impact You?

The way the VA scores your mental health in these five domains will determine your overall rating:

10%: Awarded even if you score 0 across all domains (no more 0% ratings).
30%: Scoring 1 in two or more domains.
50%: Scoring 2 in one domain.
70%: Scoring 2 in two or more domains, or 3 in one domain.
100%: Scoring 4 in any domain, or 3 in two or more domains.

This system introduces more complexity — but it may create new opportunities for veterans whose conditions have been previously misunderstood or underrated. Unlike the current system, you will no longer be judged solely on your ability to maintain employment. Instead, more nuanced aspects of your daily functioning will be taken into account.

Potential Opportunities and Risks

Veterans who understand these new standards and can clearly communicate their struggles during C&P exams will have a better chance of receiving the ratings they deserve. On the other hand, veterans who are unaware of these changes — or who are unable to properly frame their experiences — risk receiving lower ratings than they deserve.

For those sitting at a 70% rating right now, this could be a critical opportunity. With the new criteria, it may be easier to reach that 100% rating if your symptoms align with the new domain scoring system. Now is the time to begin strategizing your claims and preparing for these changes.

VA Home Loan Benefits Updated Due to Lawsuit Settlement

What 2024 Real Estate Changes Mean for VA Home Loan Borrowers

Big changes took place last year that directly impact how veterans and service members utilize their VA benefits — especially when it comes to buying a home. As we move through spring and into summer 2025, it’s important to stay informed about how these shifts could affect you. Here’s a quick overview and reminder to help you navigate the evolving landscape.

Before we dive in: if you find this article helpful, please consider sharing it with a friend. Every bit of support helps us spread important information to more veterans!

The Headline: Changes in Real Estate Industry Affect VA Home Loans

Recently, the National Association of Realtors (NAR) reached a settlement in a class action lawsuit that changes how real estate commissions work. Effective August 17, 2024, the way buyers’ agents are compensated has shifted — and it could directly impact veterans using their VA loan benefits.

Overview of the Changes

No More MLS Compensation Offers: Agents can no longer advertise buyers’ agent compensation on the Multiple Listing Service (MLS). Previously, sellers offered a set commission to incentivize buyer’s agents to show their homes — that’s no longer allowed.
Written Agreements Required: Buyers must now sign a written agreement with a real estate agent before touring homes. This agreement must clearly outline the agent’s fees and services.

Impact on Veterans Using VA Home Loans

Historically, VA rules prohibited veterans from directly paying buyer broker fees when purchasing a home. This protected veterans from additional out-of-pocket costs. However, with the industry changes, the VA updated its policies in June 2024 to keep veterans competitive in the housing market.

Now, eligible veterans, active-duty service members, and surviving spouses using a VA home loan can pay buyer broker fees if necessary.

Key Details Veterans Need to Know

When working with an agent, veterans should be aware of the following:

Fee Disclosure: Agreements must disclose the exact amount or method (flat fee, percentage, or hourly rate) of the agent’s compensation.
Compensation Limits: Agents cannot receive more compensation than what is agreed upon with the buyer.
Negotiable Fees: All agent fees are fully negotiable and must be discussed upfront.

Handling Buyer Agent Fees

Veterans have a few options to handle buyer’s agent fees:

Negotiate seller concessions to cover the agent’s commission (up to 4% of the appraised value).
Pay the buyer’s agent fee out-of-pocket if concessions aren’t possible.
Work directly with the listing agent in certain situations (rules vary by state).

Impact on Home Sellers

While sellers can still offer compensation to buyer’s brokers, they cannot advertise it via MLS listings. Instead, any seller-paid incentives must be disclosed separately or through alternative advertising like flyers or social media.

Additionally, sellers can offer veterans up to 4% of the home’s appraised value as a concession to cover closing costs and other allowable expenses.

Veterans’ Next Steps

When choosing a real estate agent, veterans should:

Discuss and negotiate agent fees upfront.
Ensure any written agreement clearly spells out compensation terms and services provided.
Work closely with their VA-approved lender to understand how loan benefits apply under the new rules.

For specialized advice, veterans are encouraged to reach out to experts like David Patech from VA Housing Education, who can provide guidance on navigating these changes successfully.

The VA remains committed to protecting veterans’ interests and ensuring access to homeownership remains within reach. They will continue to monitor the real estate landscape and make updates as necessary to support veteran buyers.

Disclaimer: The information provided in this article is for general educational purposes only and should not be considered legal, financial, or real estate advice. Please consult with qualified real estate professionals, lenders, or legal advisors in your area to obtain specific advice tailored to your situation. VeteransBenefitsHub.com is not affiliated with the Department of Veterans Affairs or any government agency.

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 veteran, 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.