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kris

Confused On Filing For Life Insurance

Question

My SO and others have told me to file for 10,000 free life insurance.

My first claim was 50% for panic attacks with depression accepted June 2006. I was just given 70%(100% Tdiu) april 2008. So that is within the two years, right? When I called the 800 life insurance number I was so confused when I got off the phone with the lady. I then went down to talk to someone about this $10,000 life insurance and the lady said she did not know if I qualified. So now I am asking you guys and gals how this works. And also what kind of forms would I fill out.

Thank you

Kris

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4 answers to this question

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You can apply for the $10,000.00 Service Disabled Veterans Life Insurance within TWO years of any rating decision, even a 0% rating.

You can either fill out VA FORM 29-4364 or fill out the online form.

Here is a link to the SDVI page:

VA Service Disabled VEterans Life Insurance

Once you get approved for the Life Insurance, if they do not already see an infered claim for a Waiver of Premiums, then you just request that they give you a Waiver of Premiums. If that is approved, then the $10,000.00 in life insurance is premium free for you.

If you do get approved for the "Waiver of Premiums", then you automatically become available to purchase an additional $20,000.00 of Life Insurance, but you must pay for the additional insurance, you can not get a waiver on the additional $20,000.00 of insurance.

So you end up with a total of $30,000.00 in insurance but you only pay for $20,000.00.

Hope this helps!

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My SO and others have told me to file for 10,000 free life insurance.

My first claim was 50% for panic attacks with depression accepted June 2006. I was just given 70%(100% Tdiu) april 2008. So that is within the two years, right? When I called the 800 life insurance number I was so confused when I got off the phone with the lady. I then went down to talk to someone about this $10,000 life insurance and the lady said she did not know if I qualified. So now I am asking you guys and gals how this works. And also what kind of forms would I fill out.

Thank you

Kris

Kris, I believe you are close to running out of time. You can file on the Jun 06. I don't believe you can file on an increase, it has to be a new SC. I also believe you have to be 100% to be waived the $10,000 but I am not positive. Someone will clarify. Better get going.

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Kris, I believe you are close to running out of time. You can file on the Jun 06. I don't believe you can file on an increase, it has to be a new SC. I also believe you have to be 100% to be waived the $10,000 but I am not positive. Someone will clarify. Better get going.

You are correct it is Two Years from a new connection not just an increase.

As for the waiver, you DO NOT have to be 100% Service Connected, but you must be considered unemployable.

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This is how it worked for me.

I called the lady.

She said that she did not know if I was eligible. She sent me the application with the different premium rates. I sent in the application for the $10,000 premium. The insurance company sent back a statement saying that I was qualified. I then sent in for the amount of insurance that I wanted in excess of the $10,000.

Tell her to send you the application. They will make the determination.

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