Am I Missing VA Benefits?

Twelve benefits veterans commonly overlook. Check each one off as you review it — if it might apply to you, follow the link and talk to an accredited VSO or claims agent about your specific situation. Your progress saves on this device.

VA home loan funding-fee waiver

With a service-connected disability rating, you may be exempt from the VA funding fee — that can save thousands at closing. Many eligible vets pay it by mistake.

va.gov — funding fees and closing costs →

VR&E employment program

Veteran Readiness and Employment helps with job training, education, resume skills, and even starting a business — separate from the GI Bill.

va.gov — Veteran Readiness and Employment →

Dependents added to your award

At 30% or higher, a spouse, children, or dependent parents can increase your monthly payment — but only if VA knows about them. Life changes (marriage, new baby) need to be reported.

va.gov — add or remove dependents →

Special Monthly Compensation (SMC)

Extra tax-free pay above the 100% rate for severe situations — housebound status, loss of use of a limb, or needing aid and attendance. It's not automatic; it has to be established.

va.gov — SMC rates →

VA dental care at 100%

A 100% disability rating generally qualifies you for comprehensive VA dental care — cleanings, fillings, the works. Lower ratings may qualify in limited situations.

va.gov — VA dental care →

CHAMPVA for dependents (100% P&T)

If you're rated 100% permanent and total, your spouse and kids may get CHAMPVA health coverage — the VA shares the cost of covered care.

va.gov — CHAMPVA →

Concurrent retirement + disability pay (CRDP / CRSC)

Retired from the military? You may be able to receive both military retirement pay and VA disability pay. CRDP phases in automatically for 20-year retirees at 50%+; CRSC covers combat-related conditions by application.

va.gov — separation and retirement benefits →

State property tax exemptions

Many states fully or partially exempt disabled veterans from property tax — the rules and rating thresholds vary by state, and some require you to apply.

No single federal page — check your state's veterans affairs office.

Commissary & exchange access

Veterans with a service-connected disability can shop at military commissaries and exchanges — tax-free groceries and goods, in person and online.

va.gov — commissary and exchange privileges →

VA caregiver support

If a family member helps with your daily care, the Program of Comprehensive Assistance for Family Caregivers can provide them a stipend, training, and health coverage.

va.gov — family caregiver benefits →

Education benefits for dependents — DEA Chapter 35 (100% P&T)

At 100% permanent and total, your spouse and children may qualify for Dependents' Educational Assistance — monthly payments for college, training, or apprenticeships.

va.gov — DEA Chapter 35 →

VALife insurance

Guaranteed-acceptance whole life insurance for veterans with service-connected disabilities — no medical exam, available regardless of health.

va.gov — VALife →

This is a starting point, not advice. Eligibility rules are specific and change. For anything that might apply to you, talk to an accredited Veterans Service Organization (VSO) or accredited claims agent — their help is free. Vetmoneyhq does not provide claims assistance.

Want one money move every Monday?

The VA Money Brief — plain-English VA disability money moves, free, every Monday.