⭐ 2026 Updated Rates · 2.8% COLA Applied

Your VA Disability
Benefits, Decoded

The most comprehensive database of VA disability ratings, pay rates, conditions, and benefits — built for veterans, by people who care about getting it right.

18M+Veterans in US
$3,938Max monthly pay
700+Rated conditions

⚡ Quick Pay Lookup

per month · tax-free · 2026 rate

VA Disability Pay Calculator

Enter your rating and household details to see your exact 2026 monthly and annual compensation — including all dependent add-ons.

Monthly Compensation

$0
per month · tax-free
Base rate (alone)
Spouse add-on
Children add-on
Parent add-on
Tax status Tax-Free Federal
COLA applied 2.8% (2026)
Annual tax-free income
$0 / yr

Complete VA Pay Rate Tables

Official 2026 rates after 2.8% COLA adjustment, effective December 1, 2025. All amounts are monthly and tax-free.

Rating Monthly Pay Annual Pay vs 10% Baseline Pay Scale

VA Disability Ratings by Condition

Search common conditions the VA rates. Typical ratings shown — actual awards vary based on severity and documentation.

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Combined Disability Rating Calculator

The VA doesn't add ratings — it uses "VA math." Add your conditions below to see your real combined rating and monthly pay.

Add your disability ratings below ↓
How VA Math Works: The VA treats you as "100% whole." Each disability reduces your "whole" amount. So if you have a 50% rating, 50% remains. A second 30% rating is applied to that 50%, adding 15% — not 30%. This "whole person" method always results in less than the sum of your ratings.
Combined Rating Calculation
Start with whole person100%
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Combined VA Rating —% Add ratings above to calculate

VA Benefits by Rating Level

Your rating unlocks far more than monthly compensation. Here's what you qualify for at each tier.

🏥
10%+ Rating Required

VA Healthcare

Free or low-cost medical care, prescriptions, mental health services, and specialist visits through the VA healthcare system.

💊
Any Service-Connected

Free Prescriptions

No copay for prescriptions related to your service-connected disability. Other prescriptions may have minimal copays based on income.

🎓
Any Rating

Chapter 31 VR&E

Vocational Rehabilitation & Employment benefits for education, job training, and career counseling related to your disability.

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30%+ Rating

Dependent Add-Ons

Monthly pay increases for each dependent spouse, child, or parent added to your award at 30% or higher rating.

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50%+ Rating

State Vehicle Tax Exemptions

Most states offer full or partial vehicle registration and property tax exemptions for veterans at 50% or higher. Varies by state.

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50%+ Rating

Property Tax Exemptions

Many states offer significant property tax reductions or full exemptions for disabled veterans at 50%+. Check your state's program.

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100% Rating

CHAMPVA Coverage

Your eligible family members may receive comprehensive health coverage through the Civilian Health and Medical Program at 100% P&T.

🎫
100% P&T

State & Federal Perks

Free national park access, commissary/PX privileges, commissary shopping rights, free hunting/fishing licenses in many states, and more.

📋
Any Rating

Life Insurance (VGLI)

Veterans' Group Life Insurance is available regardless of health status. Coverage from $10,000 up to $500,000.

TDIU: Get Paid at 100% Even Without a 100% Rating

Total Disability based on Individual Unemployability (TDIU) allows veterans to receive 100% VA compensation ($3,938.58/month) even if their combined rating is below 100% — if their disability prevents them from working.

This is one of the most overlooked benefits in the VA system. Thousands of veterans are being underpaid because they don't know they qualify.

The key question: Can your service-connected disability prevent you from securing or maintaining substantially gainful employment?

70%

Single Disability TDIU

If you have one service-connected disability rated at 70% or higher that prevents you from working, you may qualify for TDIU — paid at the full 100% rate.

60% + 40%

Combined Disability TDIU

If your combined rating is 70%+ with at least one condition at 40%, you may qualify. The total must reach 70% using VA's combined math.

$3,938

TDIU Pay Rate (2026)

If approved for TDIU, you receive the full 100% rate — $3,938.58/month for a veteran alone — tax-free. Plus applicable dependent add-ons.

VA Claim Filing Checklist

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