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I could see that being the case. I'm going to reach out to the OK dep of Veterans Affairs and ask the question. I will post anything they have to add. Thanks again.

I read through the discussions and agree with the concerns and the understand reality of the definition as the Insurance department sees it (although I disagree with it as well). The only scenario I see this working is as follows: A military member retires, waits for the VA decision on his/her disability claim, receives the 100%P&T designation, immediately applies for S-DVI, gets approved for the insurance, applies for the waiver. Caveat: the online application allows for stating that you are not working due to XX factors, one of them being because of the disability and another being because you haven't found employment yet. I don't know how that works since I applied after I had a job already. All this has to be done before starting a new job. The only other scenario I see for myself is if I leave this job before the 6 year mark and reapply for the waiver based on unemployment, but then I would have paid for 6 years worth of premiums (aprox $2500), which is what I was trying to avoid Thanks for the great discussion and best of luck on all (as we say in Tx, all y'all's) your efforts

I have been following along and am now in the same(ish) boat. I applied for and was accepted for SDVI ($10K) through their online system (mistake). I just applied now that I am working again (mistake). I can apply for the waiver through the 29-357 but it doesn't look like it allows for 100%P&T before the application for insurance was filed; this is for becoming totally disabled after having the life insurance already. Solution: apply via snail mail and in premiums annotate 100% P%T waiver, and apply right after you retire (and have your 100% P&T letter) where you don't have a job yet Standing by for any thoughts/updates. Thanks in advance.