詳細ガイド 近日公開
Veterans Disability Compensation Calculatorの包括的な教育ガイドを準備中です。ステップバイステップの解説、数式、実例、専門家のヒントをお届けしますので、もうしばらくお待ちください。
The VA Disability Compensation Calculator estimates monthly tax-free payments for veterans with service-connected disabilities rated by the Department of Veterans Affairs. VA disability compensation has its origins in the earliest days of the American republic — the Continental Congress established the first military pension program in 1776, and the modern VA disability system evolved through landmark legislation including the War Risk Insurance Act of 1914, the Economy Act of 1933, and the Veterans Benefits Act of 1957. Today, approximately 5.3 million veterans receive disability compensation, making it the single largest expenditure of the Department of Veterans Affairs. VA disability ratings range from 0% to 100% in 10% increments. A 0% rating acknowledges the service connection but provides no monthly compensation (though it does provide access to VA healthcare). Compensation increases with each 10% increment, with 2024 monthly rates for a single veteran without dependents ranging from $171.23 at 10% to $3,737.85 at 100%. These rates are adjusted annually based on the Cost of Living Adjustment (COLA), which is tied to the Consumer Price Index. Veterans rated at 30% or higher receive additional compensation for qualifying dependents including spouses, children, and dependent parents. The VA uses a unique mathematical system called Combined Ratings or VA Math to calculate the overall disability rating when a veteran has multiple service-connected conditions. Rather than simply adding individual ratings (which could exceed 100%), VA Math uses a successive calculation method that accounts for the remaining whole-person efficiency. The formula starts with the highest-rated disability, calculates the remaining non-disabled percentage, then applies the next-highest rating to that remainder, and so on. A bilateral factor of 10% is added when disabilities affect both paired extremities (both legs, both arms, etc.). The final combined rating is rounded to the nearest 10%. Total Disability Individual Unemployability (TDIU) is a critical provision that allows veterans who cannot maintain substantially gainful employment due to service-connected disabilities to receive compensation at the 100% rate even if their combined rating is below 100%. To qualify for TDIU, the veteran must have one disability rated at 60% or higher, or two or more disabilities with a combined rating of 70% or higher (with at least one disability rated at 40% or higher), and must demonstrate an inability to secure or follow substantially gainful employment. TDIU provides the same monthly compensation as a 100% schedular rating.
VA Combined Rating (VA Math): Combined = 1 - ((1 - R1) x (1 - R2) x ... x (1 - Rn)) Then round to nearest 10% Bilateral Factor (for paired extremities): Combine bilateral disabilities first, then add 10% of the combined bilateral value 2024 Monthly Compensation Rates (Single Veteran, No Dependents): 10% = $171.23 | 20% = $338.49 | 30% = $524.31 | 40% = $755.28 50% = $1,075.16 | 60% = $1,361.88 | 70% = $1,716.28 80% = $1,995.01 | 90% = $2,241.91 | 100% = $3,737.85 Worked Example — Veteran with Three Disabilities: Left knee: 30% | PTSD: 50% | Tinnitus: 10% Step 1: Start with highest: 50% disabled, 50% remaining Step 2: Apply 30% to remainder: 50% + (30% x 50%) = 50% + 15% = 65% disabled Step 3: Apply 10% to remainder: 65% + (10% x 35%) = 65% + 3.5% = 68.5% Step 4: Round to nearest 10%: 70% Monthly compensation at 70%: $1,716.28 With spouse: $1,716.28 + additional dependent amount
- 1File a disability claim with the VA by submitting VA Form 21-526EZ (Application for Disability Compensation and Related Compensation Benefits). You can file online through va.gov, through a Veterans Service Organization (VSO) representative, with the help of an accredited claims agent or attorney, or by mail. Include all service-connected conditions you are claiming and any supporting evidence such as medical records, service treatment records, and buddy statements from fellow service members.
- 2Attend a Compensation and Pension (C&P) examination. After the claim is filed, the VA will schedule one or more C&P exams with VA or contracted medical examiners to evaluate the current severity of each claimed condition and establish whether it is connected to military service. The examiner uses Disability Benefits Questionnaires (DBQs) with condition-specific criteria to document the level of impairment. Attending the C&P exam is critical — failure to attend without good cause typically results in claim denial.
- 3The VA rates each condition using the VA Schedule for Rating Disabilities (VASRD), which assigns percentage ratings based on the severity of functional impairment. Ratings are assigned in 10% increments from 0% to 100%. The VASRD contains diagnostic codes for thousands of conditions, each with specific criteria for each rating level. For example, PTSD is rated at 0%, 10%, 30%, 50%, 70%, or 100% based on the level of occupational and social impairment.
- 4If you have multiple rated disabilities, the VA combines them using VA Math rather than simple addition. The combined rating calculation uses a successive formula where each additional disability is applied to the remaining non-disabled percentage, not to the original 100%. This means a veteran with two 50% disabilities does not receive a 100% combined rating — instead, the combined rating is 75% (50% + 50% of the remaining 50% = 75%), which rounds to 80%.
- 5The bilateral factor is applied when disabilities affect both paired extremities. If a veteran has a 30% left knee disability and a 20% right knee disability, these bilateral conditions are first combined using VA Math (44%), then a 10% bilateral factor is added to the combined bilateral value (44% x 10% = 4.4%), giving a bilateral group value of 48.4%. This bilateral group is then combined with other non-bilateral disabilities using standard VA Math.
- 6Additional compensation for dependents is added for veterans rated at 30% or higher. The additional amounts increase with the disability rating percentage and vary based on the number and type of dependents (spouse, children under 18, children 18-23 in school, dependent parents). For example, a 70%-rated veteran with a spouse and two children receives approximately $200 more per month than a single 70%-rated veteran. These dependent amounts are published in the annual VA compensation rate tables.
- 7Review the rating decision and consider appealing if you disagree. The VA mails a rating decision letter that explains each condition's rating and the effective date. If you believe a rating is too low or a condition was incorrectly denied service connection, you have three appeal options under the Appeals Modernization Act: Supplemental Claim (submit new evidence), Higher-Level Review (request a senior reviewer), or appeal to the Board of Veterans Appeals (BVA). VSOs provide free assistance with appeals.
This veteran's four disabilities are combined using VA Math: 70% + (40% x 30%) = 82%, then 82% + (10% x 18%) = 83.8%, then 83.8% + (10% x 16.2%) = 85.4%, rounded to 90%. The additional compensation for a spouse and two children adds approximately $341 per month at the 90% rate. All VA disability compensation is tax-free at both federal and state levels, making the effective after-tax value equivalent to approximately $35,000-$40,000 in taxable income.
The bilateral factor provides an important boost. Without the bilateral factor, the knees would combine to 44% and then with hearing loss to 49.6%, rounding to 50%. With the bilateral factor, the knees combine to 48.4% and then with hearing loss to 53.6%, which still rounds to 50% in this case. However, with slightly different ratings, the bilateral factor can push the combined rating to the next 10% increment, resulting in a meaningfully higher monthly payment.
This veteran's combined rating of 80% (from 70% PTSD and 30% migraines) meets the TDIU threshold (one disability at 60%+ or combined 70%+ with one at 40%+). Because the veteran's PTSD and migraines prevent substantially gainful employment, TDIU is granted, providing compensation at the 100% rate of $3,737.85/month rather than the 80% rate of $1,995.01. The TDIU benefit represents an additional $1,742.84 per month — a 87% increase — making it one of the most valuable VA benefits to pursue.
This veteran with two relatively mild conditions receives a combined rating of 28% (10% + 20% of 90% = 28%), which rounds up to 30%. At 30%, the veteran now qualifies for additional dependent compensation if they have a spouse, children, or dependent parents. The veteran should also consider whether any conditions may worsen over time, as they can file for an increased rating at any point. Common conditions like back injuries and tinnitus frequently worsen with age, potentially supporting future rating increases.
Veterans Service Organizations (VSOs) including the American Legion, VFW, DAV, and Paralyzed Veterans of America employ thousands of accredited claims representatives who help veterans file disability claims, gather supporting evidence, and navigate the appeals process. These representatives use disability calculators and VA Math tools to estimate combined ratings and advise veterans on which additional claims to file.
VA Regional Offices (VAROs) process approximately 1.5 million disability claims per year using the Veterans Benefits Management System (VBMS), an electronic claims processing system that replaced the previous paper-based system. Rating Veterans Service Representatives (RVSRs) review medical evidence, C&P examination results, and service records to assign disability ratings for each claimed condition.
Disability attorneys and claims agents represent veterans in appeals before the Board of Veterans Appeals and the U.S. Court of Appeals for Veterans Claims (CAVC). These legal professionals typically work on contingency, receiving a percentage of back pay awarded if the appeal is successful. The specialized field of veterans disability law has grown significantly as the veteran population and claims volume have increased.
Financial planners who serve military and veteran clients incorporate VA disability compensation into comprehensive financial plans, accounting for its tax-free status, COLA adjustments, and potential for increased ratings over time. The interaction between VA compensation, military retirement pay, Social Security disability, and private disability insurance creates complex planning considerations unique to the veteran population.
Veterans with a disability rated at 100% permanent and total (P&T) receive
Veterans with a disability rated at 100% permanent and total (P&T) receive additional benefits beyond the monthly compensation, including Dependents Educational Assistance (DEA/Chapter 35) providing up to 36 months of education benefits for the veteran's spouse and children, eligibility for Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) healthcare for dependents not eligible for TRICARE, property tax exemptions in many states, and commissary and exchange privileges. The P&T designation is separate from the 100% rating — a veteran can be rated 100% without being P&T if the VA expects the conditions to improve.
Concurrent Retirement and Disability Pay (CRDP) and Combat-Related Special
Concurrent Retirement and Disability Pay (CRDP) and Combat-Related Special Compensation (CRSC) address the VA disability offset for military retirees. By law, military retired pay is reduced dollar-for-dollar by the amount of VA disability compensation received. CRDP restores the offset for retirees with 50% or higher VA disability ratings, effectively allowing them to receive full retirement pay plus full disability compensation. CRSC provides similar restoration for combat-related disabilities at any rating level. A retiree eligible for both must choose the more favorable program.
Agent Orange presumptive conditions automatically establish service connection
Agent Orange presumptive conditions automatically establish service connection for veterans who served in Vietnam, Thailand, or other designated areas during the specified periods. Conditions including Type 2 diabetes, ischemic heart disease, Parkinson's disease, and several cancers are presumptively service-connected without requiring the veteran to prove individual exposure. The PACT Act of 2022 dramatically expanded presumptive conditions for burn pit exposure, adding over 20 conditions for post-9/11 veterans and extending filing deadlines, resulting in hundreds of thousands of new claims.
| Combined Rating | Monthly Payment | Annual Payment (Tax-Free) | Equivalent Taxable Income (est.) |
|---|---|---|---|
| 10% | $171.23 | $2,055 | ~$2,400 |
| 20% | $338.49 | $4,062 | ~$4,800 |
| 30% | $524.31 | $6,292 | ~$7,600 |
| 40% | $755.28 | $9,063 | ~$11,000 |
| 50% | $1,075.16 | $12,902 | ~$16,000 |
| 60% | $1,361.88 | $16,343 | ~$20,000 |
| 70% | $1,716.28 | $20,595 | ~$26,000 |
| 80% | $1,995.01 | $23,940 | ~$30,000 |
| 90% | $2,241.91 | $26,903 | ~$34,000 |
| 100% | $3,737.85 | $44,854 | ~$57,000 |
Is VA disability compensation taxable?
No, VA disability compensation is completely exempt from federal income tax and is not subject to state income tax in any state. The payments do not need to be reported on your tax return and do not count toward your adjusted gross income (AGI). This tax-free status significantly increases the effective value of VA compensation. For example, a veteran receiving $3,737.85 per month at the 100% rate would need to earn approximately $55,000-$65,000 in taxable income to achieve the same after-tax cash flow, depending on their tax bracket and state.
How does VA Math work for combining ratings?
VA Math (combined ratings) uses a successive calculation method rather than simple addition. Start with the highest-rated disability and calculate the remaining non-disabled percentage. Apply the next-highest rating to that remainder, not to the original 100%. Continue for each additional disability. For example, 50% and 30%: start at 50% disabled (50% remaining), apply 30% to the 50% remainder = 15%, total = 65%. The result is then rounded to the nearest 10% (65% rounds to 70%). This method ensures the combined rating never exceeds 100%, reflecting the fact that each additional disability reduces a progressively smaller remaining capacity.
What is the bilateral factor?
The bilateral factor is a 10% bonus applied when disabilities affect both members of a paired extremity (both arms, both legs, both eyes, both ears). The paired bilateral disabilities are first combined using VA Math, and then 10% of the combined bilateral value is added. For example, if the left knee is rated 30% and right knee 20%, VA Math combines them to 44%. The bilateral factor adds 4.4% (10% of 44%), giving a bilateral group value of 48.4%. This bilateral group is then combined with non-bilateral disabilities using standard VA Math. The bilateral factor recognizes the compounding impact of impairment affecting both limbs.
Can I work while receiving VA disability compensation?
Yes, veterans receiving VA disability compensation at schedular ratings (10-100%) can work without any restriction or reduction in benefits. There is no income limit or means test for schedular disability compensation — it is based solely on the severity of service-connected conditions, not on the veteran's financial situation. However, veterans receiving TDIU (Total Disability Individual Unemployability) face restrictions: they must not be engaged in substantially gainful employment (generally defined as earning above the federal poverty level). TDIU recipients who earn substantial income may have their TDIU terminated and revert to their schedular rating.
How long does a VA disability claim take?
As of 2024, the average processing time for an initial VA disability claim is approximately 120-150 days, though complex claims or those requiring multiple C&P examinations may take longer. Claims filed through the Benefits Delivery at Discharge (BDD) program (within 180-90 days of separation) are often processed faster. The VA has set a goal of completing claims within 125 days. Supplemental Claims and Higher-Level Reviews under the Appeals Modernization Act typically take 4-6 months, while Board of Veterans Appeals decisions may take 12-24 months. Using a VSO representative and submitting complete evidence upfront can help reduce processing time.
What is Special Monthly Compensation?
Special Monthly Compensation (SMC) provides additional payments above the standard 100% rate for veterans with specific severe disabilities. SMC levels range from SMC-K (approximately $129/month additional for loss or loss of use of a creative organ) to SMC-S (approximately $4,108/month for a 100%-rated veteran with additional disabilities totaling 60%+, or who is housebound) to higher levels for aid and attendance needs. The highest SMC levels (SMC-R and above) can exceed $10,000 per month for veterans requiring around-the-clock assistance. SMC is a complex benefit that many veterans and even some VSO representatives overlook.
プロのヒント
After receiving your initial rating decision, carefully review whether any of your service-connected conditions have secondary conditions that should also be claimed. For example, a service-connected knee injury may have caused a compensatory gait that led to hip or back problems (secondary service connection). PTSD commonly causes or aggravates sleep apnea, migraines, and hypertension. Filing claims for secondary conditions can significantly increase your combined rating. A knowledgeable VSO representative can help identify potential secondary connections you may not have considered.
ご存知でしたか？
The PACT Act of 2022 (Promise to Address Comprehensive Toxics Act) is the largest expansion of VA healthcare and benefits in decades, providing presumptive service connection for over 20 conditions linked to burn pit and toxic exposure for post-9/11 veterans. Within its first two years, the PACT Act generated over 1.3 million additional claims and resulted in over $5 billion in new benefits paid to veterans. The act was named in honor of Sergeant First Class Heath Robinson, who died of a rare cancer linked to burn pit exposure during his service in Iraq.