Understanding veteran benefits and how to get what you deserve for the service of your country

So many deserving military veterans are missing out on their veteran benefits because they don’t know about the abundance of veteran benefits that are available to them.

This article covers everything that most veterans need to understand their veteran benefits entitlement , how to apply for them, and what to do if your VA disability claim for benefits is denied.

What are veteran benefits?

Veteran benefits are a unique type of government assistance that members who have served in the military can receive. These benefits are given to members of the armed forces who have served in the military for a specified period of time. 

In general the benefits are in the form of medical care and attention, educational assistance, financial assistance through a government loan (G.I. Bill) and a host of other things that provide value and support to a veteran and his or her family members. 

These benefits are usually free however, they do require meeting certain eligibility requirements which are covered later in this article. 

Just because a person has served in the military does not automatically make him or her eligible for veteran benefits.

Who qualifies for veteran benefits?

According to Title 38 of the Code of Federal Regulations, a veteran is someone who has actively served in the armed forces (navy, army, marines, air force, or coast guard) for a specified period of time and was not dishonorable discharged from the service. However, there are other factors that need to be taken into account.    

Qualifying for veteran benefits depends on the type of service, the length of service and conditions under which the service was performed. In general the qualifications for veterans benefits are:

1. Must have served on active duty for at least 180 days during peacetime, unless there was a serious injury or illness connected with the military service, in which case the qualification period for benefits could be as short as a few days.
2. Must have served for at least 90 days if the time of service is during wartime.
3. Must have served 24 months if discharged honorably.

What Are The types of benefits for veterans?

What follows is a description of each of the benefits identifed above:

Disability Compensation & Toxic Exposure

What Is It?

Disability compensation is a tax-free monthly cash benefit paid to veterans who have suffered injury, illness, or other adverse health conditions directly connected to their active duty service. These payments are a form of restitution from the U.S. Department of Veterans Affairs (VA) and are designed to provide financial support to compensate for the loss of earning capacity due to service-connected conditions.

This compensation can range from mild conditions such as tinnitus or joint pain to severe disabilities like PTSD, amputations, or chronic illnesses resulting from toxic exposure. Importantly, veterans do not need to have sustained these conditions in combat or overseas. As long as a condition is connected to your military service—whether incurred or aggravated during active duty—it may qualify.

The monthly amount varies depending on the severity of the condition and the number of dependents. A 10% rating, for example, might result in a few hundred dollars per month, while a 100% rating could yield over $4000/month in 2025. Moreover, compensation can be awarded for multiple disabilities, and they are not simply added up, but combined using a special VA formula.

For veterans struggling with conditions they suspect may be tied to their time in the military, applying for disability compensation can be life-changing. Beyond financial relief, a VA rating opens the door to additional services and support—such as priority health care, adaptive housing grants, and vocational rehabilitation.

Veterans are encouraged to apply online through VA.gov or work with an accredited VA claims agent or Veterans Service Organization (VSO) to navigate the process. I am a VA accredited attorney and can assist with veteran benefit claims.

Eligibility & Ratings

To qualify for disability compensation, a veteran must meet three basic criteria:

1. A current medical diagnosis.

2. Evidence of an in-service event, injury, or illness.

3. A nexus, or connection, between the current condition and the in-service event.

Once the claim is filed, the VA evaluates the medical records and evidence to assign a disability rating from 0% to 100%, in 10% increments. Ratings reflect the severity of the condition and its impact on the veteran’s ability to function in daily life and work. A 0% rating means the VA recognizes the condition but does not find it disabling enough for compensation. However, even a 0% rating can establish service connection, which is critical if the condition worsens in the future.

A 10% or higher rating unlocks several key benefits:

• Free VA healthcare for the service-connected condition.

• Travel reimbursement for VA medical appointments.

• Access to VA dental care (if rated 100%).

• Use of commissaries and exchanges on military bases.

• Eligibility for other programs such as the VA’s caregiver support.

Sources like VAClaimsInsider.com, BusinessInsider.com, and Benefits.VA.gov provide up-to-date insight into how ratings are calculated and what benefits are tied to each rating.

If you believe you may be underrated or wrongfully denied, consider submitting a Higher-Level Review or a Supplemental Claim with new evidence. Representation by an experienced accredited agent can greatly improve your chances of success. Schedule a free call to discuss your options with our accredited VA attorney.

PACT Act & Toxic Exposure

The PACT Act (Promise to Address Comprehensive Toxics Act of 2022) is one of the most significant expansions of VA benefits in recent history. It provides enhanced benefits and presumptive service connections for veterans exposed to toxic substances during military service, especially in post-9/11 conflicts.

This includes exposure to:

• Burn pits in Iraq, Afghanistan, and other theaters

• Agent Orange in Vietnam and other locations

• Radiation in nuclear cleanup sites

• Contaminated water at Camp Lejeune

Under the PACT Act, over 20 illnesses—including respiratory cancers, chronic bronchitis, asthma, and glioblastoma—are now presumed to be caused by military service if exposure occurred in certain locations and timeframes. Veterans no longer have to prove direct causation—simply having served in a qualifying area and developing a listed illness can be enough.

According to AP News, over 1 million claims have been filed under the PACT Act, with more than $5.7 billion already paid out. This underscores the magnitude of the impact and how many veterans were previously excluded from receiving the benefits they earned.

Veterans who were previously denied claims related to these conditions should consider reapplying under the PACT Act. The VA is actively encouraging eligible veterans to file or resubmit claims, and expedited processing is available for those with terminal illnesses.

To learn more or file a claim under the PACT Act, visit the VA’s dedicated page on toxic exposure or consult with an accredited VA representative.

VA Healthcare and Mental Health Services

Basic Healthcare

The U.S. Department of Veterans Affairs provides comprehensive healthcare services to eligible veterans through its vast nationwide network of VA medical centers, outpatient clinics, community-based clinics, and telehealth platforms. These services include primary care, specialty care, mental health, emergency services, prescriptions, dental care (in certain cases), vision, and hearing services.

Access to VA healthcare is tiered based on disability rating, income, and service history. Veterans with a VA disability rating of 50% or higher receive completely free care, including medications and most specialized services. Those rated below 50% or without a rating may still qualify for low-cost care, co-pays, or sliding scale assistance based on financial need.

Veterans who served in combat zones within five years of discharge qualify for free healthcare for conditions potentially related to that service—even without a disability rating. This “Enhanced Eligibility” is one of the VA’s most underutilized offerings.

Here’s what veterans can access:

• Outpatient care (e.g., primary care, dermatology, cardiology)

• Inpatient services (e.g., surgery, acute treatment)

• Prescriptions (with mail-order options)

• Laboratory tests and diagnostics

• Specialized women’s health services

• Limited dental care for qualifying veterans (e.g., those 100% rated or recently discharged within 180 days)

• Urgent care services at designated in-network clinics without needing prior approval

To enroll, veterans can visit VA.gov/healthcare, call 1-877-222-VETS, or apply at their local VA Medical Center.

The VA also partners with community providers for certain services not available at local VA facilities. Known as Community Care, this program allows for outsourced services when:

• Travel to a VA center is unreasonable

• A specialist isn’t available locally

• Wait times are excessive

Understanding eligibility and navigating enrollment can be complex, but resources like Benefits.VA.gov offer tools to help veterans estimate their costs, determine priority groups, and find care near them.

Expanded Access via PACT Act

With the passing of the PACT Act, VA healthcare has undergone a sweeping transformation—especially for veterans exposed to toxic substances like burn pits, Agent Orange, radiation, and contaminated water. One of the most groundbreaking provisions of this legislation is that veterans with toxic exposure now receive immediate access to VA healthcare services, even if they do not yet have a disability rating or full documentation.

This means veterans who served in qualifying locations (Iraq, Afghanistan, Vietnam, certain parts of Southeast Asia and Africa, and more) and periods no longer have to wait for a service-connected disability decision to start getting help. This expanded eligibility helps streamline access for the many veterans suffering from chronic illnesses tied to environmental exposure.

This provision is a direct response to decades of delayed care and denied claims. The VA has already processed over 1 million PACT-related claims, reducing wait times and improving trust in the system.

Key benefits under the PACT Act include:

• Free VA healthcare for any veteran with a toxic exposure background

• Presumptive service connections for dozens of illnesses

• No co-pays for conditions tied to that exposure

• Preventive screening and early intervention services

This ensures that even if a formal disability compensation claim is still in progress—or was previously denied—the veteran can begin treatment right away. It also encourages proactive healthcare, where veterans can begin managing symptoms before they worsen or lead to secondary complications.

Veterans who may be eligible are urged to visit the PACT Act Benefits Page or consult with a VSO or accredited agent to verify eligibility and begin enrollment.

Mental & Holistic Care

The VA offers a robust, multidimensional approach to mental health, recognizing that healing the mind is just as important as healing the body. Services are completely free for any veteran enrolled in VA healthcare, and emergency mental health services are available regardless of enrollment status under certain conditions.

Mental health support includes:

• Individual and group therapy

• Post-traumatic stress disorder (PTSD) treatment

• Medication management

• Addiction and substance use disorder programs

• Suicide prevention and crisis services

• 24/7 mental health crisis lines and chat

• Inpatient psychiatric hospitalization

• Family and couples counseling

What sets the VA apart is its whole-health approach, which integrates traditional care with holistic and complementary therapies like:

• Mindfulness meditation

• Yoga and Tai Chi

• Art and music therapy

• Nutrition and lifestyle coaching

• Chronic pain management through acupuncture and chiropractic care

This reflects a shift in VA culture—one that recognizes the complex interplay between trauma, physical health, and emotional resilience. For veterans suffering from combat stress, MST (military sexual trauma), or life after service challenges, the VA has specialized programs in place, including Vet Centers offering confidential, walk-in counseling services.

Veterans can access these services through their primary VA provider or by visiting MentalHealth.va.gov. For immediate support, the Veterans Crisis Line is available 24/7 at 988, then press 1, or via text at 838255.

Together, we can eliminate the stigma around mental health by making care accessible, holistic, and veteran-centered.

Education and Training Benefits

GI Bill 

The Post-9/11 GI Bill (Chapter 33) is one of the most transformative veteran benefits ever enacted, offering comprehensive financial support for veterans pursuing education or training after military service. It covers tuition and fees, housing, books, supplies, and even relocation assistance for certain qualifying students. Since its inception, the program has helped over a million veterans and their dependents earn college degrees, technical certifications, and vocational training.

Eligibility depends on active-duty service after September 10, 2001:

• 100% benefits are available to those who served at least 36 months or were discharged due to a service-connected disability after at least 30 continuous days.

• Those with at least 90 days of aggregate service may qualify for a percentage of benefits based on length of service.

Key benefits include:

• Full tuition and fees paid directly to in-state public schools (and partial coverage for private or foreign institutions).

• A Monthly Housing Allowance (MHA) based on school ZIP code and BAH (Basic Housing Allowance) rates.

• $1,000 yearly stipend for books and supplies.

• A one-time rural relocation payment for students in underserved areas.

Additional programs under the GI Bill umbrella include:

• Montgomery GI Bill Active Duty (Chapter 30)

• Montgomery GI Bill Selected Reserve (Chapter 1606)

• Transfer of Entitlement (TOE) to spouses or children

Veterans can use these benefits at universities, community colleges, non-college degree programs, flight schools, correspondence courses, and even some licensing and certification tests. For those already employed, the GI Bill can also fund employer-sponsored training and certifications related to the job.

For more on how to maximize GI Bill usage, veterans can explore helpful resources on WeAreTheMighty.com or VA.gov/education.

Yellow Ribbon & Vocational Training

The Yellow Ribbon Program is a powerful extension of the Post-9/11 GI Bill, designed to eliminate out-of-pocket tuition costs for veterans attending private colleges, foreign schools, or out-of-state public institutions where costs exceed the GI Bill’s maximum tuition cap.

Here’s how it works:

• Participating institutions agree to contribute a portion of the remaining tuition not covered by the GI Bill.

• The VA matches that contribution dollar-for-dollar.

• There’s no additional cost to the veteran.

To be eligible, veterans must qualify for 100% Post-9/11 GI Bill benefits and apply directly through their chosen school. Yellow Ribbon can dramatically expand education options for those wanting to attend elite institutions like Harvard, Stanford, or other private universities.

In addition to traditional college routes, veterans can explore vocational and career-focused programs:

• On-the-Job Training (OJT) and apprenticeships: Receive GI Bill housing stipends while learning skilled trades like plumbing, welding, or electrical work.

• Flight training: GI Bill benefits cover tuition at FAA-certified flight schools.

• Non-college degree programs: From coding bootcamps to truck driving schools, these programs offer short-term, high-skill credentials.

• Vocational Rehabilitation & Employment (VR&E, Chapter 31): For veterans with service-connected disabilities, VR&E provides funding for education, career counseling, resume development, and even self-employment support.

Veterans can use these programs to gain high-demand skills and enter the workforce with little to no debt. Details on program eligibility and participating schools are available at VA.gov.

Dependents & Survivors

Education benefits aren’t just for veterans—they extend to family members, too. Through Chapter 35 (DEA – Survivors' and Dependents' Educational Assistance) and other initiatives, the VA provides financial support for the spouses and children of veterans who are permanently and totally disabled, missing in action, POWs, or who died in the line of duty.

Chapter 35 benefits include:

• Up to 36–45 months of education benefits

• Use at colleges, technical schools, certification programs, and some on-the-job training or apprenticeships

• Monthly stipends (as of 2025, approximately $1,488/month for full-time students)

Eligible dependents can pursue degrees, diplomas, certifications, or career training programs. Children generally must use the benefit between ages 18–26, while spouses typically have a 10-year window to use benefits after the qualifying event. In some cases, a 20-year window may apply (e.g., for spouses of veterans who died on active duty).

In addition, the Fry Scholarship offers GI Bill-equivalent benefits to the surviving children and spouses of service members who died in the line of duty after September 10, 2001. This includes:

• Full tuition and fees

• Housing allowance

• Book stipend

For families, these benefits offer a vital lifeline to achieve educational and financial stability. Veterans rated 100% permanently and totally disabled also have the option to transfer unused GI Bill benefits to dependents under the Transfer of Entitlement (TOE) program—provided this is done while still in active service.

To learn more or apply, visit VA.gov/family-member-education-benefits.

Pension and Survivor Benefits

VA Pension for Low-Income & Elderly Veterans

The VA Pension is a needs-based financial benefit designed for wartime veterans who are permanently disabled, over the age of 65, or confined to their homes—and who meet specific income and asset limitations. Unlike disability compensation, this benefit is not tied to a service-connected injury or illness. Instead, it serves as a financial safety net for aging or impoverished veterans, helping them maintain basic quality of life as they age.

To qualify, veterans must meet the following criteria:

• Served at least 90 days of active duty (with at least one day during a wartime period).

• Be age 65 or older, or totally and permanently disabled, or a patient in a nursing home or receiving Social Security Disability Insurance (SSDI).

• Have countable income and assets below the threshold set by the VA (as of 2025, about $150,538 in net worth, excluding one’s primary home and vehicle).

There are two major enhanced versions of the pension:

1. Aid & Attendance (A&A) – for veterans who require help with daily activities such as bathing, dressing, or feeding.

2. Housebound Benefit – for veterans largely confined to their residence due to a permanent disability.

These supplemental benefits can significantly increase monthly pension payments. For example, a veteran eligible for Aid & Attendance in 2025 may receive over $2,600/month, depending on marital status and dependent care.

These benefits can be used for:

• In-home care services

• Assisted living facility costs

• Medical expenses not covered by insurance

• Homemaker or attendant support

One common challenge is proving the need for assistance or demonstrating low enough income, but many veterans are eligible and don’t realize it. Sites like LongTermCareLink.net offer helpful guidance on navigating the application process, and working with an accredited VA attorney or claims agent can greatly streamline the process.

The VA pension, particularly with Aid & Attendance, is one of the most underutilized benefits, yet it can be life-changing for veterans facing the high costs of long-term care.

Survivor Benefits (DIC & Life Insurance)

When a veteran passes away, surviving spouses, children, and sometimes parents may be eligible for a variety of VA survivor benefits, including monthly payments, life insurance, and burial assistance.

The most well-known of these is Dependency and Indemnity Compensation (DIC)—a tax-free monthly benefit paid to survivors of:

• Veterans who died from service-connected conditions, or

• Veterans who were rated 100% disabled for at least 10 years prior to their death, or for 5 years after release from active duty, or for 1 year if a former POW.

As of 2025, DIC payments are approximately:

• $1,612.75/month for a surviving spouse (base rate).

• Additional amounts may apply if the survivor has dependent children, is housebound, or requires Aid & Attendance.

DIC is not income-based and can be a lifeline for surviving family members. Survivors must complete VA Form 21P-534EZ to apply.

In addition to DIC, survivors may qualify for:

• VA Life Insurance (e.g., SGLI, VGLI, or FSGLI) payouts

• Burial and plot allowances: Up to $2,000 for a service-connected death, or $300–$807 for a non-service-connected death.

• Burial in a national cemetery, which includes a free gravesite, marker, and perpetual care.

• Survivor access to education benefits (via Chapter 35 or the Fry Scholarship).

It’s also worth noting that some survivors may be eligible for the VA Survivors Pension, especially if they have low income and were married to a wartime veteran.

All survivor benefit information and application tools are available on VA.gov. VA-accredited claims representatives, VSOs, and veterans’ attorneys can assist family members in ensuring they receive all the benefits to which they are entitled.

Understanding these benefits can provide peace of mind and financial stability during a very difficult time. Planning ahead—such as enrolling in VA life insurance programs and educating loved ones about available resources—is a wise and often overlooked step veterans can take to care for their families long after their service has ended.

Housing: Loans, Adaptations & Homelessness Prevention

VA Home Loans

The VA Home Loan program is one of the most powerful benefits available to eligible veterans, active-duty service members, and certain surviving spouses. It provides flexible, affordable home financing options backed by the U.S. Department of Veterans Affairs, making homeownership more accessible and sustainable.

Key benefits include:

• Zero down payment required (in most cases)

• No Private Mortgage Insurance (PMI), saving hundreds per month

• Competitive interest rates often lower than conventional loans

• Fewer credit restrictions and more lenient approval standards

• Limits on closing costs, with some fees waived or capped

• Ability to reuse the benefit more than once

• Assistance with foreclosure avoidance through VA loan servicing help

The VA doesn’t lend money directly but guarantees a portion of the loan through approved private lenders, making banks more willing to extend favorable terms. Veterans can use a VA loan to:

• Buy a single-family home, condo, or manufactured home

• Build a new home

• Make certain improvements to an existing home

• Refinance an existing VA or non-VA loan (IRRRL and Cash-Out Refinance)

Eligibility generally requires:

• 90+ days of active-duty wartime service, or

• 181+ days of peacetime service, or

• 6+ years in the National Guard or Reserves

• Honorable discharge or eligible current status

Veterans must obtain a Certificate of Eligibility (COE) through VA.gov or through a lender to begin the process. With the VA backing the loan, many veterans find they can enter homeownership with little upfront cost and long-term financial security.

Native American Direct Loan (NADL)

The Native American Direct Loan (NADL) program is a specialized VA home loan option available to eligible Native American veterans and their spouses. Unlike traditional VA loans that go through private lenders, NADL loans are directly funded by the VA—offering low-interest rates and no down payment to buy, build, or improve homes located on federal trust land (tribal land).

Key features of the NADL program:

• 0% down payment required

• No private mortgage insurance

• Reduced closing costs

• Fixed interest rate (usually below market rate)

• No loan limit, but property must be appraised and reasonable in value

Eligible uses include:

• Buying an existing home

• Building a new home

• Refinancing an existing NADL loan

• Installing or upgrading utilities and appliances

• Making necessary home repairs

To qualify, veterans must:

• Be Native American or married to a Native American

• Be eligible for a standard VA home loan

• Reside on federally recognized tribal land

• Have their tribal government enter into a Memorandum of Understanding (MOU) with the VA to participate in the NADL program

The program was established to promote affordable housing within Native communities. However, it remains underused due to lack of awareness and bureaucratic barriers with tribal participation.

Veterans can learn more or begin the application process at VA.gov/housing-assistance/nadl-program.

If you’re a Native veteran, this program can be a life-changing opportunity to build generational wealth and home stability in your own community.

Support for Homeless Veterans (SSVF & HUD-VASH)

The Department of Veterans Affairs partners with HUD (Department of Housing and Urban Development) and other organizations to end veteran homelessness through targeted programs like SSVF (Supportive Services for Veteran Families) and HUD-VASH (Veterans Affairs Supportive Housing).

HUD-VASH combines Housing Choice Vouchers (Section 8) with intensive case management and clinical services provided by the VA. This program is designed for chronically homeless veterans with complex needs—particularly those with mental health conditions, substance use issues, or long-term instability.

Key features of HUD-VASH:

• Rental assistance through HUD vouchers

• Ongoing support from VA social workers, counselors, and healthcare teams

• Prioritization of high-risk and high-need veterans

Supportive Services for Veteran Families (SSVF) helps veterans and their families who are:

• Homeless or at risk of homelessness

• Living in unstable or transitional housing

• Facing eviction or foreclosure

SSVF services include:

• Temporary financial assistance (e.g., rent, utility payments, security deposits)

• Housing search assistance

• Legal aid and credit counseling

• Case management and connection to employment resources

These programs have helped cut veteran homelessness by over 50% in the past decade, yet thousands of veterans still live without secure shelter. According to the National Alliance to End Homelessness, approximately 33,000 veterans remain homeless in the U.S. in any given year.

To get help:

• Visit va.gov/homeless

• Call the National Call Center for Homeless Veterans at 1-877-4AID-VET (1-877-424-3838)

These programs reflect a simple truth: every veteran deserves a roof over their head. Whether you’re experiencing housing instability or seeking affordable permanent housing, VA-backed solutions can help you reclaim safety, dignity, and stability.

Employment and Entrepreneurship

Vocational Rehabilitation & Independent Living

The Veteran Readiness and Employment (VR&E) program, formerly known as Vocational Rehabilitation and Employment, is a vital resource for veterans with service-connected disabilities who face barriers to employment or daily functioning. Administered by the VA, VR&E helps veterans prepare for, find, and maintain suitable employment—or, for those unable to work, supports independent living and self-sufficiency.

Eligibility Criteria:

• Must have a VA service-connected disability rating of at least 10% with a serious employment handicap (20% preferred).

• Must apply and be found eligible by a VA Vocational Rehabilitation Counselor (VRC).

The program offers five major tracks tailored to each veteran’s unique needs:

1. Reemployment – Returning to your previous employer with support.

2. Rapid Access to Employment – Quick entry into suitable jobs.

3. Self-Employment – Resources to start and grow a small business.

4. Employment Through Long-Term Services – College, certifications, or apprenticeships to reach new employment goals.

5. Independent Living – For those unable to work, offering assistive technology, caregiving, home modifications, and life skills training.

Key services provided:

• Career counseling and aptitude testing

• Job search assistance and resume building

• Tuition and fees for training or education programs

• On-the-job training and internships

• Adaptive equipment or transportation help

• Housing and vehicle modifications for independent living

For veterans unable to maintain gainful employment, VR&E’s Independent Living track provides the tools and support needed to live with dignity, mobility, and as much autonomy as possible. This may include in-home assistance, daily living tools, medical equipment, and social integration programs.

To apply, veterans can visit VA.gov/vre or call 1-800-827-1000 to schedule a meeting with a VRC. The application process includes a comprehensive assessment to develop a personalized rehabilitation plan.

Whether a veteran is ready to launch a new career, build a business, or reclaim their independence at home, VR&E offers a pathway to purpose and progress.

Federal Hiring & Business Resources

Veterans possess the leadership, discipline, and adaptability that make them highly sought-after employees—and the federal government recognizes this with robust employment advantages, including the 10-point Veterans’ Preference system. This system is designed to give veterans an edge in federal hiring over non-veteran candidates with similar qualifications.

Veterans’ Hiring Preference Breakdown:

• 5-point preference: Awarded to veterans with an honorable discharge and active-duty service during certain periods (e.g., wartime, campaign medal holders).

• 10-point preference: For veterans with service-connected disabilities, Purple Heart recipients, or those receiving VA compensation/pension.

These preferences apply to:

• Initial federal employment

• Civil service exams

• Agency-specific hiring initiatives

Many federal agencies also offer Veterans Recruitment Appointment (VRA) and Veterans Employment Opportunities Act (VEOA) pathways that allow qualified veterans to be hired non-competitively. Additionally, every federal agency has a Veterans Employment Program Office (VEPO) to guide and support veteran applicants.

Veterans can explore opportunities at USAJobs.gov, filtering for jobs using the "Veterans" hiring path.

Veteran Business Benefits

Veterans looking to start or grow a business have access to a growing list of grants, tax benefits, certifications, and business development resources at both the federal and state level.

Veteran benefits are available to veterans who have a business or want to start a business. There are many benefits available to veterans who have a business. Some of the benefits include: low-interest loans, business tax breaks, and more.

Veteran and disabled veteran business owners can also contract with the VA to perform contracts for the veteran’s administration. The VA has an annual goal to set aside 3% of its goods and services purchases each year solely for veterans are service disabled business owners.  

Service connected disable veterans are given some preference in obtaining certain jobs and contracts with the VA.

The federal government (this is different from the VA's service connected goal of 3% set asides) has an overall goal of 5% set asides for veteran owned business enterprises. These veteran benefits set asides amounts to billions of dollars.

There is a veteran certification process that veterans (those with and without service connected disabilities) have to obtain in order to do business directly with the VA.

Click here to obtain a list of resources veteran business owners can refer to to help them with veteran benefits for their business. The list is updated on an as needed basis and you will be notified of any new resources.

Some Key resources include:

• Small Business Administration (SBA) Office of Veterans Business Development (OVBD) – Provides mentorship, training, and capital access through SBA-backed loans and the Boots to Business program.
• Service-Disabled Veteran-Owned Small Business (SDVOSB) certification – Allows access to set-aside contracts and sole-source government procurement opportunities.
• Veteran-Owned Small Business (VOSB) designation – Increases visibility and competitiveness in both private and public-sector supply chains.
• State-specific programs: Many states waive business license fees, provide property tax relief, or offer state contracting preference for veteran-owned businesses.

Veterans can explore these at:

• VA OSDBU
• SBA.gov/veterans

Life Insurance, Survivor Coverage & Servicemember Benefits

Group Life Insurance Veteran Benefits

One of the most important yet often overlooked benefits available to military members and veterans is life insurance through the Department of Veterans Affairs. The VA offers several affordable and accessible insurance programs designed to protect servicemembers and their families, provide financial security, and ensure peace of mind in the face of life’s uncertainties.

Here’s a breakdown of the major life insurance programs:

Servicemembers’ Group Life Insurance (SGLI)

SGLI is an automatic life insurance policy for active-duty military personnel, members of the National Guard and Reserves, cadets, and commissioned officers in training. It provides up to $500,000 of coverage and includes Family SGLI (FSGLI) for spouses and dependent children.

Key features:

• Low monthly premiums (as of 2025, $31/month for maximum coverage)

• Automatic enrollment with opt-out option

• FSGLI offers up to $100,000 for spouses and $10,000 per child

• Includes Traumatic Injury Protection (TSGLI) for injuries like limb loss, blindness, or severe burns

Coverage continues for 120 days after separation from service and can be converted to VGLI or commercial insurance.

Veterans’ Group Life Insurance (VGLI)

VGLI allows veterans to convert their SGLI policy into a renewable term life policy after leaving the military. Coverage is available in increments up to $500,000 and can be increased in $25,000 steps every five years, up to age 60.

Key benefits:

• No medical exam required if you apply within 240 days of separation

• Renewable every 5 years regardless of health status

• Coverage can remain in place for life

• Premiums are based on age, not health

VGLI is ideal for veterans who may not qualify for affordable private life insurance due to service-connected health issues or who want continuity of coverage after leaving active duty. Apply at VA.gov/life-insurance.

Service-Disabled Veterans Life Insurance (S-DVI)

S-DVI is available to veterans with a VA service-connected disability rating, offering up to $10,000 in basic coverage, with an additional $30,000 supplemental option for totally disabled veterans.

Eligibility:

• Must have received a service-connected disability rating (even 0%)

• Must apply within 2 years of receiving the rating

• Available regardless of health status

Unique feature: Veterans who are totally disabled can request a premium waiver, and still retain their full coverage at no cost. This is a critical benefit for veterans unable to work due to service-related disabilities.

While S-DVI closed to new enrollees in 2023, it was replaced by VALife—a guaranteed-acceptance whole life policy for all service-connected veterans (no medical underwriting required). VALife offers up to $40,000 in coverage with fixed premiums for life. Learn more at VA.gov/life-insurance/valife.

VA-backed life insurance programs are designed to ensure that your loved ones are financially protected, even after your military service ends. Whether you're still serving, recently separated, or living with a disability, these programs provide flexible, affordable options tailored to your unique circumstances.

CAREGIVER, HOME AND COMMUNITY SUPPORT

VA Caregiver Program

The Program of Comprehensive Assistance for Family Caregivers (PCAFC) is a powerful support system designed for family members or loved ones who serve as primary caregivers to seriously injured post-9/11—and now also pre-1975—veterans. This program recognizes the critical role caregivers play and offers financial, emotional, and logistical support to sustain them in their mission to care for those who served.

PCAFC provides:

Key Benefits for Approved Caregivers:

• Monthly stipend based on the veteran’s geographic location and required level of care. Stipends can exceed $2,000/month in some areas.

• Access to CHAMPVA health insurance for caregivers without other coverage.

• Travel, lodging, and meal reimbursement when accompanying the veteran for medical care.

• Up to 30 days of respite care per year, giving caregivers much-needed breaks.

• Comprehensive caregiver training to help them provide safe, effective support.

• Peer mentoring, support groups, and 24/7 helpline access.

Eligibility Requirements:

• The veteran must have a serious injury or illness incurred or aggravated in the line of duty and require personal care services for at least six continuous months.

• The caregiver must be a family member or someone who lives with the veteran full-time and provides ongoing support.

In 2021, the program was expanded to include veterans from all service eras, making it accessible to more families than ever before. As of 2023, the phased inclusion of pre-9/11 veterans is ongoing, with full expansion expected to continue.

Caregivers can apply through the Caregiver Application (VA Form 10-10CG), or by calling the Caregiver Support Line at 855-260-3274.

The caregiver journey can be both rewarding and exhausting, but the VA’s PCAFC program ensures that caregivers don’t walk it alone. It provides tools, training, and financial help to make home care a sustainable, dignified option for wounded warriors.

Domiciliary & Residential Care

The VA offers domiciliary and residential care options for veterans who need short- or long-term support, especially those facing mental health challenges, homelessness, substance abuse issues, or chronic illness. These programs provide a safe, structured environment where veterans can receive rehabilitative services, clinical care, and social reintegration support in a non-hospital setting.

Known as Domiciliary Residential Rehabilitation and Treatment Programs (DRRTPs), these facilities bridge the gap between institutional care and independent living. 

What These Programs Offer:

• Safe, supervised housing with 24/7 staff support

• Clinical therapy and case management

• Substance use disorder treatment

• Mental health services and trauma-informed care

• Occupational therapy and life skills training

• Group therapy, wellness activities, and peer interaction

• Support with securing permanent housing and employment

Some domiciliary programs are focused on specific populations, such as:

• Homeless veterans

• Veterans in addiction recovery

• Those recovering from serious injuries or PTSD

• Veterans transitioning out of incarceration or institutional care

Many veterans use domiciliary care as a step toward reintegration, with stays ranging from a few weeks to several months depending on their needs and treatment goals. These programs are not nursing homes, but rather therapeutic living environments that offer care, accountability, and community.

Eligibility:

• Must be enrolled in VA healthcare

• Must demonstrate medical, psychological, or social need

• Admission is based on clinical assessment and local availability

Veterans can apply by contacting their local VA medical center or working with their primary VA care team. A referral and evaluation are typically required.

For many, domiciliary and residential programs serve as a critical turning point—offering not just a place to live, but a place to rebuild. They reflect the VA’s commitment to treating the whole veteran: body, mind, and spirit.

Miscellaneous and State Level Benefits

Commissary, Exchange & Recreation Access

Since 2020, the Department of Defense has expanded access to military commissaries, exchanges, and recreation facilities for veterans with any service-connected disability rating, making a broad range of military lifestyle benefits available to more veterans than ever before.

Veterans with a VA-issued Veteran Health Identification Card (VHIC) showing “Service Connected” are now authorized to:

• Shop at commissaries (grocery stores on military bases)

• Access base exchanges (BX/PX/NEX) for discounted retail goods

• Use morale, welfare, and recreation (MWR) facilities, such as golf courses, bowling alleys, gyms, and event venues

These benefits were traditionally reserved for active-duty and retired military personnel, but today, any veteran with a service-connected disability (0–100%) is eligible to participate.

Why This Matters:

• Commissary shopping can save veterans 20–30% on groceries, including tax-exempt purchases.

• Exchanges offer brand-name goods at discounted prices, including electronics, clothing, home goods, and tax-free tobacco/alcohol in some areas.

• MWR access provides affordable recreational opportunities, helping veterans stay physically active and socially engaged.

Veterans can confirm their eligibility and access these benefits by:

• Presenting their Veteran Health Identification Card (VHIC) at the gate

• Enrolling in Commissary and Exchange privileges through ShopMyExchange.com.

• Locating nearby MWR services through their local military installation's website

These benefits not only offer financial value but also help veterans stay connected to the military community, boosting morale and wellness post-service.

State Benefits

In addition to federal benefits, every U.S. state offers its own suite of benefits for veterans, which may include education waivers, tax exemptions, license plate discounts, recreation licenses, and cash bonuses. These benefits vary widely by state and are administered through each state’s Department of Veterans Affairs or equivalent agency.

Here are common categories of state benefits:

1. Education & Tuition Assistance

• Many states offer free or reduced tuition for veterans or their dependents at public colleges and universities.

• Some also waive fees for licensing or certification exams.

2. Tax Relief

• Property tax exemptions or reductions for disabled veterans.

• Income tax waivers on military retirement pay.

3. Hunting, Fishing & Recreation Licenses

• Free or reduced-cost hunting/fishing licenses for veterans.

• Priority access to state parks, camping reservations, or discounted passes.

4. Vehicle & License Benefits

• Specialty veteran license plates, often with no annual fee.

• Exemptions from vehicle registration fees.

• Accelerated driver’s license or CDL application processes.

5. Cash Bonuses & Awards

• Some states offer one-time bonuses for veterans who served during wartime or specific conflicts (e.g., Korea, Vietnam, Gulf War, OEF/OIF).

Each state has its own eligibility rules and application procedures. Veterans should check their home state’s Department of Veterans Affairs website or visit Military.com’s state benefits guide to find tailored opportunities.

These benefits often go unclaimed—yet they offer meaningful savings, convenience, and appreciation for veterans at the state level.

Burial & Memorial Benefits

The VA provides dignified, honorable burial and memorial benefits to veterans and their eligible family members, ensuring that those who served are laid to rest with the recognition they deserve.

Eligible veterans may receive:

• Free burial in a VA national cemetery, including grave site, opening and closing of the grave, perpetual care, and a government-furnished headstone or marker

• Presidential Memorial Certificate signed by the President of the United States

• U.S. flag provided at the time of burial

• Military funeral honors, including the playing of Taps and folding/presentation of the flag

• Burial allowances to help with funeral costs, transportation, and plot expenses

VA Burial Allowance (as of 2025):

• Up to $2,000 for a service-connected death

• Up to $807 for burial and $807 for plot allowance for non-service-connected deaths

• Cremated remains are eligible for the same honors and burial benefits as traditional interments

Burial can take place in:

• VA National Cemeteries

• State Veterans Cemeteries

• Private cemeteries, with VA-provided headstones or markers

To apply for burial benefits or schedule a burial, families should contact the VA National Cemetery Scheduling Office at 1-800-535-1117 or pre-plan through VA.gov/burials-memorials.

Planning in advance ensures a smooth, respectful process and honors the veteran’s wishes. For surviving family members, these benefits offer comfort, closure, and a lasting tribute to service.

How To Apply For Veteran Benefits

The application process

There are several ways to apply for veteran benefits. One of the most common ways is to fill out an application for benefits on the Department of Veteran Affairs  VA website. 

A veteran using this method can fill out an application and submit it to the VA online. The VA will review the application and determine if the veteran is eligible for benefits. If the veteran is eligible for benefits, the VA will notify the veteran. 

If the veteran is not eligible for benefits, the VA will notify the veteran that he or she is not eligible for benefits. The application process can take several weeks or months to complete.

Once the VA determines that the veteran is eligible for benefits, the VA will send the veteran and his or her representative a letter that explains the benefits that the veteran will receive.

If the veteran is not eligible for benefits, the VA will notify the veteran that he or she is not eligible for benefits.  Once the veteran receives the letter, he or she can appeal the VA decision. The veteran can appeal the VA decision by filling out an appeal form and submitting it to the VA.

There are alternative, and perhaps better ways to make application for veteran benefits rather than trying to do it yourself. Unless, a veteran has experience with the government claims process and lots of patience, it is best to have a third party with experience handle the claim for you.

This can be done through a third party representative that is recognized by the Department of Veterans Affairs (VA). These representatives are called accredited representatives or veterans service organizations (VSOs).

How To Get Help From  A Veterans Service Organization (VSO)

The Department of Veterans Affairs (VA) accredits three types of representatives—Veterans Service Organization (VSO) representatives, attorneys, and agents—to help ensure that claimants have access to responsible and qualified representation on their VA benefits claims. 

Our law firm can assist with your veteran benefits claims.

 VA-accredited representatives must have good moral character and be capable of providing competent representation, and the VA’s Office of General Counsel is responsible for making those determinations through its accreditation process. 

 The accreditation process differs depending of which type of accreditation is being sought. An accredited VSO representative is someone who has been recommended for accreditation by a VSO that is recognized by VA to assist on VA benefit claims.

 The VSO has certified to VA that the representative possesses good character and is fit to represent Veterans and their families as an employee or member of their organization. 

 An attorney is someone who is a member in good standing of at least one State bar. When an attorney applies for VA accreditation, the VA typically presumes that the attorney possesses the good character and fitness necessary to represent Veterans and their family members based on the attorney’s state license to practice law. 

 An accredited claims agent is someone who is not an attorney but who has undergone a character review by the VAs Office of General Counsel (OGC) and has passed a written examination about VA law and procedures.

 Either of these three (3) veteran assistant sources can assist you with your VA claim. The good thing about these sources is that they don’t charge you up front fees. They handle all of the paperwork, the follow up and even the appeal if your claim is denied. 

 The veteran’s responsibility is to cooperate and gather all the necessary documents the representative will need to review, prepare, and submit a claim.

 In the case of a VSO there may not be a fee at all even if a veteran’s claim is approved and a large sum of money is paid to the veteran. Lawyers and accredited agents usually charge a percentage of the claim amount that is awarded to the veteran. 

 The VA presumes a twenty (20%) fee of the amount awarded to a veteran to be reasonable and fair. 

Presumptive qualification for veteran benefits

There are numerous conditions suffered by veterans that are considered to be presumptive disability conditions for purposes of qualifying for veteran benefits.

 The VA presumes that specific disabilities diagnosed in certain veterans were caused by their military service. VA does this because of the unique circumstances of the veteran’s military service.

If one of these conditions is diagnosed in a veteran in one of these groups, the VA presumes that the circumstances of his/her service caused the condition and disability compensation can be awarded.

The following diseases and conditions are considered to be part of this program:

• AL amyloidosis.
• B-cell leukemia.
• Bladder cancer.
• Chronic lymphocytic leukemia.
• Multiple myeloma.
• Type 2 diabetes.
• Hodgkin's disease.
• Hypertension (high blood pressure)

Veteran Benefits by State 

The federal Veterans Administration has it’s own system for providing benefits to veterans which is separate from the various states that also have specific benefit programs for veterans who are citizens of that state. 

This gives veterans who live in a state with a VA benefit program the ability to get the benefits that they are entitled to within their state as well. Some the state benefits may be more generous than the federal benefits and some may be less generous. Click here for a complete list of state benefits that are available.

What To Do If Your Veteran Disability Claim is Denied

An initial claim denial is common, and you have a right to appeal the decision. Your appeal, if it's a strong one, can reverse the initial decision if you file a timely Notice od Disagreement of Disagreement (NOD), Higher Level Review (HLR) or a Supplement Claim to “appeal” the decision before the deadline.

The legacy VA appeals process has changed to the decision review process. If you disagree with a VA decision dated on or after February 19, 2019, you can choose from 3 decision review options (Supplemental Claim, Higher-Level Review, or Board Appeal) to continue your case.

Dependents Eligibility for VA Benefits

Spouse and children eligibility for VA benefits

VA benefits for spouses, dependents, survivors, and family caregivers are available to qualifiying individuals. As the spouse or dependent child of a veteran or service member, you may qualify for certain benefits, like health care, life insurance, or money to help pay for school or training.

If you're the surving spouse or child of a veteran you may qualify for  Dependency and Indemnity Compensation (DIC), a tax free monthly benefit paid to eligible survivors of military servicemembers who died in the line of duty or eligible survivors of veterans whose death resulted from a service-related injury or disease. 

DIC, Death Pension, and/or Accrued Benefits may be applied for using VA form 21P-534EZ. If you're a surviving parent, fill out an Application for Dependency and Indemnity Compensation by Parent(s)  (VA Form 21P-535).

For more detailed information on veteran benefits for family members check out the Veteran Administration's family benefit tool kit.

Widow’s qualification for Veteran benefits

A surving widow or widower of a veteran may be eligible for veteran benefits if he or she has not remarried after the veteran's death, and if the deceased veteran didn't receive a dishonorable discharge and their service meets at least one of three (3) requirements.

1. The veteran entered active duty on or before September 7, 1980, and served at least 90 days of active military service, with at least 1 day during a covered wartime period, or
2. The veteran entered active duty after September 7, 1980, and served at least  24 months or the full period for which they were called or ordered to active duty (with some exceptions), with at least 1 day during a covered wartime period or 
3. The veteran was an officer and started on active duty after October 16, 1981, and hadn’t previously served on active duty for at least 24 months.

Disability Pay Chart

Below is a sample veteran benefits disability pay chart for 2025. 

🪖 2025 VA Disability Compensation Rates

10% – 20% Disability Ratings (No Dependents)

Note: Ratings of 10–20% do not receive dependency-based increases .

30% – 60% Disability Ratings (Base Monthly Compensation)

(Dependent status affects rates—see below)

Additional increments:

• +$31–63 for each child under 18
• +$102–205 for each dependent school-aged child
• +$58–117 if spouse requires Aid & Attendance

70% – 100% Disability Ratings (Base Monthly Compensation)

Additional increments:

• +$74–106 for each child under 18
• +$239–343 for each school-aged child
• +$137–196 if spouse needs Aid & Attendance

Examples of 2025 Monthly Compensation

• Veteran with a 50% rating and spouse: $1,208.04
• Veteran with 70% rating, spouse, and 2 children:
  Base $1,908.19 + ~$148 (two children) = ≈ $2,056.19
• Veteran rated 100% with spouse, two parents & child:
  Base $4,387.79 + child increment ~$106 = ≈ $4,493.79

Additional Notes

• Rates include a 2.5% COLA increase, effective Dec 1, 2024.
• Spouse Aid & Attendance and dependent increments stack atop the base rate per VA tables.
• Special Monthly Compensation (SMC) rates (e.g., for loss of use, paralysis) apply in more severe cases, and vary—detailed SMC schedules are also available. 

What This Means for You

This chart shows the baseline monthly tax-free compensation you may be entitled to in 2025 based on your disability rating and family situation. If you:

• Have service-connected disabilities,
• Added dependents,
• Or qualify for Aid & Attendance,

Your monthly pay may be higher than the base amounts above. Veterans rated 10–20% should note they don’t get dependent-based increases, but the flat amounts are still valuable.

If your personal circumstances change (e.g., you add a dependent or require Aid & Attendance), you can request a benefits “status update” with the VA to recalculate your monthly compensation.

The amount of disability compensation paid to a qualifying veteran depends on the percentage of disability awarded to the veteran by the VA. For disability purposes a rating can be from zero to 100 percent. The higher the rating, the greater the payment.

A zero percent rating is the lowest rating available which means the veteran is not eligible for any disability compensation. At least a 10 percent rating is required for a veteran to receive any disability compensation.

 A 100 percent rating is the highest rating available. This means the veteran is entitled to the full amount of compensation that is payable to him by the VA. 

A rating of 100 percent means the veteran is unable to engage in any substantial gainful activity. However, it does not mean the veteran is totally disabled and unable to perform any type of work.

Veteran Organizations That Help Obtain Veteran Benefits

There are hundreds of organizations that help veterans obtain benefits from the VA. The following are some of the more well-known organizations that help veterans obtain benefits.   

The list is not exhaustive, but it gives you a good idea of the organizations that are available. These organizations are some of the best to help veterans obtain benefits. Within these websites are links to other organizations that can help veterans obtain benefits.

• Liveline for vets is a free telephone service that helps veterans obtain benefits and information about other organizations that help veterans too. 
• Veteran.com is a website that provides comprehensive on a broad basis.

Veterans Discharge Upgrade

Thousands of veterans discharged with less than an honorable discharges are eligible to upgrade their discharges to an honorable discharge. The process of upgrading a discharge is the process of increasing the value of the discharge.

This is done by submitting an application to the VA and requesting a review of the discharge. 

The review is conducted by the VAR (Veterans Affairs Review Board) and if the discharge is upgraded, the VA notifies the veteran.

Many veterans are unaware that they are eligible to upgrade their discharges. This is one of the reasons it is important for veterans to be aware of the process for upgrading their discharges.

The process for upgrading a discharge  is simple and can be completed in one of two ways. The first option is to submit an application to the VA. The second option is to request a review of the discharge through the Veterans Affairs Review Board.

The review is conducted by a veteran appointed by the VA. Once the review is completed, the VA notifies the veteran if the discharge has been upgraded.

If the discharge has been upgraded, the veteran is notified and has the opportunity to submit an application to the VA to have the discharge upgraded to an honorable discharge. The process for upgrading a discharge is simple and can be completed in one

Veterans news sources

It is important for veterans to have the information they need to get the care they need and deserve. There are a number of news resources available for veterans that help them stay up to date on the latest news and events that affect them.

Click here for a list of some of the best news sources for veterans. Please feel free to contact us if you need more information at info@veteranbenefitssolutions.com.

Free Stuff for Veterans

Veterans are valued by their country and the world. So many have made sacrifices to serve their country, including the ultimate sacrifice of death. 

To show the nation’s appreciation for their services, many companies and organizations offer free benefits to veterans and their families. These benefits cover just about everything from healthcare and housing to education and child care, food, clothing, equipment, travel, business goods and services and much more.

Click here for a list of free benefits offered by various organizations and business enitites. The list is updated as we find more "free stuff" to share with you. 

Conclusion

We’ve unlocked every benefit—from healthcare and education to housing, insurance, caregiver support, and beyond. Our goal is to arm you with the information you’ve earned, your rights as a veteran, and paths to apply.

This article has covered the most important aspects of veteran benefits that are available to veterans and their families. It is important to realize that every veteran should be aware of the benefits they may be entitled to and to be diligent in making a claim for disability benefits and business benefits to which they may be entitled.

Military personnel that have been discharged with less than an honorable discharge are encouraged to file a request for a discharge upgrade. Often such requests are successful and the particular veteran can be upgraded to an honorable discharge and then qualify for veteran benefits.

Many states also have their own laws that govern the benefits that are available to veterans. Some of the state benefits are even more generous than the federal benefits.

It is important to check with the state benefits office where the veteran resides to see what benefits are available to the veteran and what documentation is required.

Lastly, it is very important to stay informed about the status and changes in veterans benefits. Regularly checking the resources provided in this article will ensure that you are aware of the benefits that are available to you. 

Bookmark this article and come back to it whenever you need to learn more about benefits and free gifts to veterans.

Subscribe to our veteran benefits newsletter to be kept up to date on the latest benefits and free gifts for veterans and to be entered into our monthly giveaway sweepstakes. To subscribe to our newsletter, click here. 

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