Yes, you can get the waiver and I think you might be able to get a refund on premiums paid after your were P&T. It is very easy to get the waiver if you are Total. I was TDIU but had no insurance. I got an extra 50% so I applied for the insurance 10,000 and asked for the waiver. I got it easily not like the usual VA claim. Same with ChampVA and the other stuff. The situation where you are trying to prove a claim is where the VA system breaks down completely.