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Benefits by Disability Rating

Choose your VA disability rating to see the federal and Colorado benefits it opens, and where to apply for each one.

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Choose your rating to see the benefits it opens and where to apply for each one.

Health care

  • VA health care

    Depends on service history and income

    Many Veterans qualify for VA health care without a disability rating, based on service dates, combat service, exposures or income. Applying takes about 30 minutes.

    Apply for VA health care (opens in a new tab)
  • VA health care

    Any service-connected rating

    Care for your service-connected conditions has no copay. Your priority group, which decides costs for other care, depends on your income and service history.

    Apply for VA health care (opens in a new tab)
  • VA health care, priority group 3

    10% or 20% rating

    No copay for care of your service-connected conditions. Other care and prescriptions may have copays.

    Apply for VA health care (opens in a new tab)
  • VA health care, priority group 2

    30% or 40% rating

    No copay for care of your service-connected conditions, and a higher place in line for enrollment than groups 3 through 8.

    Apply for VA health care (opens in a new tab)
  • VA health care, priority group 1

    50% or higher, or unemployability

    No copays for any VA care or prescriptions, service-connected or not.

    Apply for VA health care (opens in a new tab)
  • Travel pay for appointments

    30% or higher

    VA reimburses mileage to and from VA health appointments and approved community care. Below 30%, trips for a service-connected condition still qualify.

    File for travel pay (opens in a new tab)
  • VA dental care

    100% rating, or paid at 100% for unemployability

    Full dental care through VA, not only for service-connected dental problems.

    Dental care on VA.gov (opens in a new tab)
  • Nursing home care

    70% or higher, or 60% with unemployability

    VA must provide nursing home care to Veterans in this group who need it, in a VA community living center or a contracted home.

    Long-term care on VA.gov (opens in a new tab)

Money and insurance

  • File a disability claim

    For Veterans without a rating yet

    If an injury or illness started or got worse during service, a claim is how you get a rating. Submitting an intent to file first holds your start date for up to one year while you gather records, so back pay can reach back to that date.

    How to file on VA.gov (opens in a new tab)
  • Ask for a higher rating

    Any rating below 100%

    If a rated condition has gotten worse, or a new one is linked to your service, you can file for an increase. A free accredited representative can tell you whether the evidence supports it before you file.

    File for an increase (opens in a new tab)
  • Extra pay for dependents

    30% or higher

    Your monthly payment goes up for a spouse, children under 18 (or under 23 in school) and dependent parents. VA only pays it once they are added to your award.

    Add a dependent (opens in a new tab)
  • Individual unemployability

    Usually 60% or higher

    If your service-connected conditions keep you from holding a steady job, VA can pay you at the 100% rate. It usually takes one condition rated 60%, or 70% combined with one condition at 40%.

    Unemployability on VA.gov (opens in a new tab)
  • VALife insurance

    Any service-connected rating, age 80 or younger

    Whole life insurance with guaranteed acceptance and no health questions, up to $40,000 in $10,000 steps. There is no deadline to apply after your rating.

    Apply for VALife (opens in a new tab)
  • Concurrent Retirement and Disability Pay

    Military retirees rated 50% or higher

    Receive your full military retired pay and your VA compensation together, with no offset. DFAS applies it automatically, so check your retiree account if it is missing.

    CRDP at DFAS (opens in a new tab)
  • Combat-Related Special Compensation

    Military retirees with a combat-related rating of 10% or higher

    A tax-free monthly payment for retirees whose rated conditions came from combat, hazardous duty or training that simulates war. You apply through your branch, not VA.

    CRSC at DFAS (opens in a new tab)
  • Federal student loan discharge

    100% rating, or unemployability

    Federal student loans can be discharged in full. The Department of Education usually finds eligible Veterans through a VA data match, so check your loan account before applying.

    Disability discharge at StudentAid.gov (opens in a new tab)
  • Faster Social Security disability decisions

    100% permanent and total

    Social Security moves disability claims from Veterans rated 100% permanent and total to the front of the line. Tell them about your rating when you apply.

    Social Security for Veterans (opens in a new tab)

Work and education

Family and caregivers

  • Family caregiver program

    70% or higher

    If you need in-person help with daily care for at least six months, a family caregiver can get a monthly stipend, training, counseling and health coverage.

    Caregiver support (opens in a new tab)
  • CHAMPVA health coverage for your family

    100% permanent and total, including P&T unemployability

    Health insurance for your spouse and children who are not eligible for TRICARE. VA shares the cost of most care and prescriptions.

    Apply for CHAMPVA (opens in a new tab)
  • Education benefits for your spouse and children

    100% permanent and total, including P&T unemployability

    Dependents' Educational Assistance (Chapter 35) pays a monthly amount toward college, training or an apprenticeship.

    Apply for Chapter 35 (opens in a new tab)

Home, travel and recreation

  • No VA home loan funding fee

    10% or higher

    The VA funding fee, usually 1.25% to 3.3% of the loan, is waived. On a $350,000 loan that can be more than $7,000.

    Funding fee on VA.gov (opens in a new tab)
  • Commissary, exchange and recreation access

    Any service-connected rating

    Shop at military commissaries and exchanges and use on-base recreation, using your Veteran Health Identification Card. You get the card by enrolling in VA health care.

    Get a Veteran ID card (opens in a new tab)
  • Space-available military flights

    100% permanent and total

    Fly on military aircraft when seats are open, within the United States and its territories.

    AMC travel (opens in a new tab)
  • Free national parks pass

    All Veterans

    A free lifetime pass to national parks, forests and wildlife refuges. Show a VA ID, a Veteran ID card or your driver's license with a Veteran mark.

    Veterans pass at NPS.gov (opens in a new tab)

State benefits

Based on a specific condition, not your rating

Get free help applying

Accredited Veteran Service Officers file claims and appeals for free. You never have to pay anyone to apply for VA benefits.

General information, checked October 2026. VA and each agency decide eligibility, and rules change. Confirm with the agency before you rely on a benefit.