Claim guides: 87 VA claim and benefit guides for veterans
Step-by-step procedural guides covering every major VA claim, benefit, and access pathway. All free, CC-BY 4.0 licensed, published by Wounded Warriors (EIN 86-1336741, national 501(c)(3)). For machine-readable JSON-LD versions, see /api/v1/howto-catalog.json.
Combat veteran cascade (post-9/11)
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How to file a VA claim for traumatic brain injury (TBI) residuals — the DC 8045 facets, presumed secondary conditions and SMC
VA rates the residuals of a service-connected traumatic brain injury under 38 CFR 4.124a, diagnostic code 8045. Cognitive and subjective residuals are scored on a ten-facet table a…
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How to file a VA PTSD claim — the diagnosis, the in-service stressor rules of 38 CFR 3.304(f), VA Form 21-0781 and how PTSD is rated
VA pays disability compensation for posttraumatic stress disorder when a qualified professional has diagnosed PTSD, a traumatic event (the stressor) happened during your service, a…
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How to file a VA tinnitus and hearing loss claim — noise exposure evidence, the audiology exam, and how each is rated
Tinnitus and hearing loss are claimed together on VA Form 21-526EZ. Service connection needs a current diagnosis, evidence of noise exposure or an ear injury in service, and a link…
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How to file a VA sleep apnea claim — direct, secondary and aggravation routes, and how DC 6847 rates it
Sleep apnea can be service-connected three ways: directly, when it began in service; secondarily under 38 CFR 3.310, when a service-connected condition caused or aggravated it, sup…
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How to file a VA musculoskeletal claim — back, neck, knee and ankle under 38 CFR 4.71a, painful motion, IVDS incapacitating episodes and the bilateral factor
Back, neck, knee and ankle conditions are rated under 38 CFR 4.71a mostly by measured range of motion, with pain, weakness, fatigue and flare-ups counted as functional loss under 4…
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How to file a VA migraine claim — DC 8100, what "prostrating" and "severe economic inadaptability" mean, the headache log and secondary routes
Migraine is rated under 38 CFR 4.124a, diagnostic code 8100, entirely by the frequency and effect of prostrating attacks: 0% with less frequent attacks, 10% with characteristic pro…
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How to file a VA erectile dysfunction claim — service connection, the 0% rating under DC 7522, and special monthly compensation (k)
Erectile dysfunction can be service-connected directly (an in-service injury, surgery or diagnosis) or, more often, as secondary to a service-connected condition or to medication p…
Pay-rate optimization (under-claimed)
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How to file a TDIU (Total Disability Individual Unemployability) claim — get paid at 100% rate without 100% schedular
Veterans rated less than 100% schedular but unable to maintain substantially gainful employment due to service-connected conditions can be paid at the 100% disability rate via TDIU…
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How to get CRSC or CRDP — recovering the military retired pay the VA offset takes away
A military retiree who also receives VA disability compensation normally gives up (waives) retired pay equal to the VA payment. Two programs restore it. Concurrent Retirement and D…
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How to claim VA Special Monthly Compensation (SMC) — pay above the 100% rate for specific losses, aid and attendance, or housebound status
Special Monthly Compensation (SMC) is extra VA pay for specific service-connected losses or needs that the regular rating schedule does not fully cover (38 USC 1114; 38 CFR 3.350).…
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How to file a VA claim for an increased rating — when a service-connected condition has gotten worse
When a service-connected condition gets worse, you can ask VA for a higher rating by filing a claim for increased compensation on VA Form 21-526EZ — online, by mail, in person or t…
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How to apply for the VA annual clothing allowance — VA Form 10-8678
If you have a service-connected disability and use a prosthetic or orthopedic device — or a prescribed skin medicine — that damages your clothing, VA may pay you a yearly clothing …
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How to apply for the VA automobile allowance on VA Form 21-4502 — the one-time payment toward buying a vehicle
The VA automobile allowance (38 USC 3902; 38 CFR 3.808) is a one-time payment of up to $27,908.90 (for vehicles bought on or after October 1, 2026) toward a car or other conveyance…
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How to check the Bilateral Factor (38 CFR § 4.26) on your VA rating — arms, legs and paired muscles
The bilateral factor (38 CFR § 4.26) applies when you have service-connected disabilities at a compensable level (10% or more) in both arms, both legs, or paired skeletal muscles. …
Exposure-era presumptives
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How to file a PACT Act presumptive-condition claim — burn pits, Agent Orange and other toxic exposures
The Sergeant First Class Heath Robinson Honoring our PACT Act (signed August 10, 2022) expanded VA health care and benefits for veterans exposed to burn pits, Agent Orange and othe…
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How to file a VA burn pit respiratory claim — PACT Act presumptive locations and conditions, 38 CFR 3.320, and how asthma, COPD, sinusitis and rhinitis are rated
The PACT Act made more than 20 conditions presumptively service-connected for veterans with a presumption of burn pit or other toxic exposure. Exposure is presumed for service on o…
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How to file a VA hypertension claim — the Agent Orange presumption, direct and secondary routes, and how DC 7101 rates it
High blood pressure can be service-connected four ways: as an Agent Orange presumptive condition added by the PACT Act for veterans with presumed herbicide exposure (Vietnam and th…
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How to file a VA type 2 diabetes claim — the Agent Orange presumption, direct and secondary routes, and how DC 7913 rates it
Type 2 diabetes mellitus is on VA's list of Agent Orange presumptive conditions: a veteran with presumed herbicide exposure needs only the diagnosis. Presumed exposure covers servi…
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How to file a Camp Lejeune water contamination claim — VA presumptive conditions, the Family Member Program, and the Justice Act
Veterans, Reservists and Guard members who served at least 30 days total at Marine Corps Base Camp Lejeune or Marine Corps Air Station New River, North Carolina between August 1, 1…
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How to file a Gulf War illness claim — undiagnosed illnesses and chronic multisymptom illness under 38 CFR 3.317
Under 38 CFR 3.317, a Persian Gulf veteran — anyone who served on active duty in the Southwest Asia theater on or after August 2, 1990 — is presumed service-connected for a chronic…
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How to file a VA claim for radiation exposure — the 21 presumptive cancers of 38 CFR 3.309(d), the radiation-risk activities, and 3.311 claims
Under 38 CFR 3.309(d), a veteran who participated in a "radiation-risk activity" is presumed service-connected for 21 listed cancers; no proof of cause is needed beyond the service…
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How to file a VA cold injury residuals claim — frostbite, immersion foot and non-freezing cold injury under DC 7122, the former-POW presumption, and evidence
Cold injuries — frostbite, non-freezing cold injury, immersion foot (formerly trench foot) and hypothermia — can leave lifelong residuals in the exposed hands, feet, ears and face:…
Surviving family
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How to file VA survivor benefit claims — DIC, Survivors Pension and accrued benefits on one form, plus burial, CHAMPVA, education and home loan benefits
VA pays several separate benefits to the family of a deceased veteran. Dependency and Indemnity Compensation (DIC) is a tax-free monthly payment when the death was in service, from…
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How to file for Dependency and Indemnity Compensation (DIC) — who qualifies, the forms, where to send them and the current monthly rates
DIC is a tax-free monthly payment to eligible survivors. The death must have been in the line of duty on active duty, training or inactive-duty training; from a service-connected i…
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How the Survivor Benefit Plan (SBP) works — electing coverage at retirement, what it costs, and what your spouse receives
Military retired pay stops when the retiree dies. The Survivor Benefit Plan (SBP, 10 USC 1447–1455) lets a retiring service member convert part of that pay into a lifetime, inflati…
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How to apply for CHAMPVA — health coverage for the spouse, children and survivors of a permanently and totally disabled veteran (VA Form 10-10d)
The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) shares the cost of health care for the spouse or dependent child of a veteran rated permanen…
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How to use Survivors' and Dependents' Educational Assistance (DEA, Chapter 35) — eligibility, time limits, rates and VA Form 22-5490
Survivors' and Dependents' Educational Assistance (DEA, Chapter 35) pays a monthly amount directly to the child or spouse of a veteran who is permanently and totally disabled from …
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How to use the Fry Scholarship — Post-9/11 GI Bill benefits for children and surviving spouses of service members who died in the line of duty
The Marine Gunnery Sergeant John David Fry Scholarship gives the child or surviving spouse of a service member or Selected Reserve member who died on or after September 11, 2001 up…
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How to get VA burial benefits — burial and plot allowances, national cemetery burial, headstone or marker, burial flag and Presidential Memorial Certificate
VA burial benefits come in several pieces, each with its own form. A burial allowance of up to $2,000 for a death related to a service-connected disability (for deaths on or after …
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How to file an SGLI, VGLI or FSGLI death claim — SGLV 8283 to OSGLI, and VA Form 29-4125e for VA-issued policies
Servicemembers' Group Life Insurance (SGLI, up to $500,000), Veterans' Group Life Insurance (VGLI, $10,000–$500,000) and Family SGLI (spouse up to $100,000, each child $10,000) are…
Income support (Pension + needs-based)
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How to apply for Veterans Pension — wartime service, age or disability, the income and net worth tests, VA Form 21P-527EZ and the rates effective December 1, 2025
Veterans Pension is a needs-based benefit, separate from disability compensation, for a veteran who did not receive a dishonorable discharge, served at least 90 days of active duty…
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How to claim VA Aid and Attendance or Housebound benefits — added to Veterans Pension, Survivors Pension, DIC or compensation
VA Aid and Attendance (A&A) and Housebound benefits are monthly amounts added to a VA pension for veterans and survivors who need another person's help with daily activities, must …
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Wounded Warriors Emergency Financial Aid — applications paused: status and other help
Emergency financial aid applications are paused. See current status and other help: https://warriorsfund.org/programs/emergency/ While applications are paused, this page lists free…
Housing + VA loans
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How to get a VA-backed home loan — service requirements, the Certificate of Eligibility, the funding fee and who is exempt, and what the lender and VA appraisal require
VA does not lend the money; it guarantees part of a loan made by a private lender, which lets eligible veterans, service members and some surviving spouses buy, build or improve a …
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How to refinance with a VA Interest Rate Reduction Refinance Loan (IRRRL) — eligibility, the 0.5% funding fee, the net tangible benefit and seasoning rules in 38 U.S.C. 3709, and how to compare offers
An Interest Rate Reduction Refinance Loan replaces an existing VA-backed home loan with a new VA-backed loan at a lower interest rate, or moves an adjustable-rate loan to a fixed r…
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How to apply for Wounded Warriors Housing Down-Payment Assistance
Step-by-step guide for veterans buying a primary residence with a VA or conventional mortgage. The VA Home Loan eliminates the down-payment requirement, but the typical 2-5% closin…
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How to apply for VA Specially Adapted Housing (SAH), Special Home Adaptation (SHA) and Temporary Residence Adaptation (TRA) grants — eligibility, FY 2026 amounts and VA Form 26-4555
VA offers three adapted housing grants for veterans and service members with qualifying service-connected disabilities. A Specially Adapted Housing (SAH) grant — up to $126,526 for…
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How to apply for a VA HISA grant (Home Improvements and Structural Alterations) — up to $6,800 for medically needed home changes
The VA Home Improvements and Structural Alterations (HISA) grant (38 USC 1717; 38 CFR 17.3100–17.3130) helps pay for medically needed changes to your primary residence, such as ent…
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How to find veteran housing assistance — HUD-VASH, SSVF, GPD, state programs
Step-by-step guide for veterans facing or at risk of homelessness, OR seeking permanent supportive housing. 5 paths: National Call Center for Homeless Veterans (1-877-424-3838), HU…
Retiree cluster
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How TRICARE For Life works — Medicare-wraparound coverage for TRICARE-eligible retirees and family members with Medicare Parts A and B
TRICARE For Life (TFL) is Medicare-wraparound coverage for anyone who is TRICARE-eligible — military retirees, their spouses and survivors, and other eligible family members — and …
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How to claim a state property tax exemption as a disabled veteran — what varies by state, the paperwork, and how the Texas exemption works (Tax Code 11.131 and 11.22)
Most states reduce or eliminate property tax on a disabled veteran's home, but each state writes its own rule: some exempt the whole homestead at a 100% rating or individual unempl…
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How to get the free America the Beautiful Access Pass — lifetime national parks and federal lands entry for veterans with a permanent disability
The America the Beautiful Access Pass is a free lifetime pass for U.S. citizens and permanent residents with a permanent disability that severely limits one or more major life acti…
Foundational claims + appeals (AMA cascade)
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How to file an intent to file (VA Form 21-0966) — set your effective date up to a year before the claim, by phone, online or on paper
Under 38 CFR 3.155, an intent to file sets a potential start date (effective date) for disability compensation, pension or Dependency and Indemnity Compensation. If you submit it a…
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How to file a Benefits Delivery at Discharge (BDD) claim — the VA disability claim you file 180 to 90 days before separation
Benefits Delivery at Discharge (BDD) lets a service member on full-time active duty — including National Guard, Reserve and Coast Guard members — file a VA disability compensation …
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How to file a VA secondary service connection claim — 38 CFR 3.310, the aggravation baseline rule, the nexus opinion, and how the new rating combines
Under 38 CFR 3.310 a disability that is proximately due to or the result of a service-connected disease or injury is service-connected, and so is any increase in a non-service-conn…
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How to respond to a VA claim denial — Supplemental Claim, Higher-Level Review or Board Appeal within one year, what each lane allows, and the Court after the Board
A VA decision letter is not the end. Within one year of the date on the letter you can choose one of three decision review options. A Supplemental Claim (VA Form 20-0995) is for ne…
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How to file a VA Supplemental Claim — VA Form 20-0995 with new and relevant evidence, or after a change in law
A Supplemental Claim is one of the three decision-review options for a VA decision dated on or after February 19, 2019. You can file one if VA decided your claim before, the claim …
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How to file a VA Higher-Level Review (HLR) — Form 20-0996 for senior reviewer reconsideration
Deep-dive on the Higher-Level Review (HLR) appeal lane under the Appeals Modernization Act (in effect since February 19, 2019). HLR is the right lane when the VA misapplied the law…
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How to file a VA Board Appeal — Form 10182 to the Board of Veterans Appeals (BVA)
Deep-dive on the Board Appeal lane under the Appeals Modernization Act (in effect since February 19, 2019). Form 10182 sends your case to the Board of Veterans Appeals (BVA) — the …
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How to file a CUE motion (Clear and Unmistakable Error) — reopen a final VA decision with NO time limit
CUE motions under 38 CFR § 3.105(a) and 38 CFR § 20.1400-20.1411 are the VA's most powerful appellate tool — they reopen FINAL decisions with NO time limit and grant retroactive be…
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How to file a VA disability claim while incarcerated
Step-by-step guide for incarcerated U.S. veterans filing VA disability claims. Many incarcerated veterans don't realize they CAN file VA claims — and that pre-incarceration service…
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How to check the status of a VA disability or benefits claim
4 ways to check VA claim status: VA.gov online, VA mobile app, calling 1-800-827-1000, or asking your CVSO/representative. Includes what each status code means and how to respond t…
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How to find a free County Veterans Service Officer (CVSO) to help with VA claims
CVSOs (County Veterans Service Officers) are county employees accredited through the VA Office of General Counsel who help veterans, free of charge, file disability claims, PACT Ac…
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How to get a copy of your DD-214 — free from the National Archives (eVetRecs or SF-180) or milConnect
The DD Form 214, Certificate of Release or Discharge from Active Duty, is the document most veteran benefits start from. Veterans, and the next of kin of a deceased veteran, can ge…
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How to get your VA records — medical records, claims file (C-file), claim exam reports, decision letters and your DD-214
Most VA records are available online: medical records through My HealtheVet on VA.gov, decision letters and claim evidence in the claim status tool, and benefit letters under My VA…
Financial protections (SCRA + creditor defenses)
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How to use Servicemembers Civil Relief Act (SCRA) protections — the 6% interest cap, lease termination, eviction and foreclosure protections, and default judgments
The Servicemembers Civil Relief Act (50 U.S.C. 3901 and following) gives people on active duty — including Guard and Reserve members on federal active-duty orders — and in some pro…
Employment + federal hiring (USAJobs preference)
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How to claim Federal Hiring Preference (5-point or 10-point) — veterans' preference on USAJobs
Federal Veterans' Preference under 5 USC § 2108 and 5 CFR § 211 gives veterans bonus points on competitive federal job applications. 5-POINT PREFERENCE (TP) for veterans with: camp…
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How to find veteran-friendly employment + use VA employment programs
Step-by-step guide to finding a job as a veteran. 5 paths: VA Veteran Employment Services (free job placement), federal civil service preference (5-10 points on exams), USAJOBS vet…
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How to translate military experience into civilian résumé language — the O*NET crosswalk, My Next Move for Veterans, COOL credentials and free one-on-one help
Civilian recruiters rarely know what an 11B, an IT2 or a 3D1X2 did, so the work is to restate military duties as civilian occupations, skills and results. The Department of Labor's…
VA healthcare access
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How to enroll in VA health care — eligibility (including the PACT Act and the 10-year rule for post-9/11 combat veterans), VA Form 10-10EZ, priority groups and what happens after you apply
You may be eligible for VA health care if you served in the active military, naval or air service and did not receive a dishonorable discharge. If you enlisted after September 7, 1…
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How to request MISSION Act community care — when the VA pays for non-VA providers
The VA MISSION Act of 2018 (38 USC § 1703, 38 CFR § 17.4010) lets veterans receive care from non-VA community providers when VA cannot deliver care within drive-time and wait-time …
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How to request VA Beneficiary Travel Pay reimbursement — Form 10-3542 + BTSSS portal
The VA Beneficiary Travel (BT) program reimburses veterans for transportation costs to VA-authorized medical appointments. 38 USC § 111, 38 CFR § 70.10. Two reimbursement types: (1…
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How to use the VA Foreign Medical Program (FMP) — care outside the U.S. for service-connected conditions
The Foreign Medical Program (FMP) pays for medically necessary care that a veteran receives outside the United States for a VA-rated, service-connected disability, for a condition …
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How to get into your branch's Wounded Warrior program — Army, Navy, Marine Corps, Air Force and Space Force, Special Operations
Each branch of the U.S. military runs an official program for service members who are seriously wounded, ill or injured — in combat or not — to coordinate their recovery and their …
Special populations
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How to file VA claims for women's health conditions — gynecological and breast conditions under 38 CFR 4.116, MST-related claims under 3.304(f)(5), and where women veterans get care
Women veterans file the same VA Form 21-526EZ as anyone else, but several conditions have their own rating rules. Diseases, injuries or adhesions of the female reproductive organs …
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How to get VA care for military sexual trauma — free MST-related treatment without enrollment, a report or service connection, through the MST coordinator, Vet Centers and VA mental health
Military sexual trauma (MST) means sexual assault or threatening sexual harassment experienced during military service; it can happen to anyone. VA provides free treatment for any …
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How to find healthcare and resources for women veterans
Step-by-step guide for women veterans (the fastest-growing veteran demographic — projected to be 18% of all veterans by 2040) seeking gender-specific healthcare and support. 5 path…
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How to get mental health care as a veteran — the Veterans Crisis Line, VA mental health services, Vet Centers, telehealth and peer support, with or without VA enrollment
VA mental health services cover posttraumatic stress disorder, depression, anxiety, grief, the effects of military sexual trauma, substance use, sleep and anger problems, and readj…
Donor + identity (EIN 86-1336741)
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How to verify Wounded Warriors is a real 501(c)(3) before donating
Verify Wounded Warriors (EIN 86-1336741) as a registered 501(c)(3) public charity using IRS, Candid, Charity Navigator, and ProPublica records.
Other guides
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How to get into a Veterans Treatment Court — finding one, eligibility, the referral, and what the program involves
A Veterans Treatment Court (VTC) is a court-run program — a separate docket, track or court in a state or local system — that supervises veterans facing criminal charges while they…
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How to apply for Veteran Readiness and Employment (VR&E, Chapter 31)
Veteran Readiness and Employment (VR&E, Chapter 31) provides counseling, training, education, job placement and independent-living services to veterans and service members whose se…
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How to apply for the Post-9/11 GI Bill (Chapter 33) — eligibility tiers, what it pays, and VA Form 22-1990
The Post-9/11 GI Bill (Chapter 33) pays up to 36 months of tuition and fees, a monthly housing allowance and a books stipend for veterans, service members and some family members. …
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How to apply for Wounded Warriors HRT Sponsorships
Step-by-step guide for transgender + gender-diverse U.S. military veterans seeking sponsored access to hormone replacement therapy (HRT). For veterans facing VA-care gaps, TRICARE …
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How to get substance use treatment as a veteran — VA SUD programs, medication options, Vet Centers, the SAMHSA helpline and what to do in an overdose or withdrawal emergency
VA provides a full range of substance use treatment for problems from unhealthy alcohol use to life-threatening addiction: medically managed detoxification, drug substitution and c…
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How to find free legal help for veterans — VA claims, discharge upgrades, family law
Step-by-step guide to free legal help for veterans. 5 paths: free VA-accredited representatives (CVSO, VFW, Legion, DAV — for claims), Veterans Consortium Pro Bono Program (for VA …
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How to find free tax preparation for veterans
Step-by-step guide to free tax preparation for veterans + military families. 5 paths: MilTax (free for active + recent veterans through Military OneSource), VITA (Volunteer Income …
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How to apply for the Program of Comprehensive Assistance for Family Caregivers (PCAFC) — eligibility, the stipend and VA Form 10-10CG
The Program of Comprehensive Assistance for Family Caregivers (PCAFC) supports one Primary and up to two Secondary Family Caregivers of a veteran who has a VA disability rating (in…
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How to access state-level veteran benefits (often missed by veterans)
Federal VA benefits get the spotlight, but every U.S. state has its own veteran benefit programs that veterans frequently miss: state property tax exemptions, hunting/fishing licen…
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How to get the VA automobile allowance and adaptive equipment — up to $27,908.90 toward a vehicle, plus hand controls, lifts and ramps
Veterans and service members with certain service-connected disabilities can get a one-time VA automobile allowance — up to $27,908.90 for vehicles bought on or after October 1, 20…
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How to get a Veteran ID Card — the free digital VIC, the Veteran Health ID Card, a DoD ID card, or a state driver's license designation
You only need one card to show you are a veteran. VA's Veteran ID Card (VIC) is a free digital photo ID for anyone who served on active duty, in the Reserves or in the National Gua…
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How to get a veteran or Disabled Veteran license plate — what states issue, what proof you need, and how Texas does it under Transportation Code 504.202
Veteran license plates are a state benefit, not a VA one, so the plate types, fees, rating thresholds and any parking or registration-fee privileges are set by each state's motor v…
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How to get dental care as a veteran (free VA classes, VADIP insurance, and low-cost options)
Step-by-step guide to getting dental care as a veteran. Most veterans enrolled in VA health care are not eligible for free VA dental care; VA assigns a dental benefits class based …
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How to help a veteran in your family navigate VA + crisis + benefits
Step-by-step guide for family members (spouse, parent, child, sibling) helping a veteran access VA benefits, crisis support, or daily living help. 5 steps covering: how to talk to …
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How to replace lost or stolen military medals — free for veterans and next of kin through the National Personnel Records Center
The military services replace medals, ribbons and awards that were lost, stolen or never issued, at no cost to the veteran. Requests for Army, Navy, Marine Corps, Air Force and Spa…
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How to sponsor care packages for hospitalized veterans
Step-by-step guide for individual donors + corporations + community groups wanting to sponsor care packages for hospitalized veterans through Wounded Warriors' Care Packages progra…
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How to start a corporate partnership with Wounded Warriors
Step-by-step guide for corporate CSR teams + HR + foundation officers exploring partnerships with Wounded Warriors. 5 paths: matching gifts (lowest-friction, immediate), employee g…
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How to apply for a discharge upgrade — Discharge Review Boards (DD Form 293), Boards for Correction of Military Records (DD Form 149) and VA's character-of-discharge review
A discharge that is not honorable can be reviewed two ways. The Discharge Review Board of your branch (10 U.S.C. 1553) can change the characterization or reason for a discharge on …