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    When a Veteran starts considering whether or not to file a VA Disability Claim, there are a lot of questions that he or she tends to ask. Over the last 10 years, the following are the 14 most common basic questions I am asked about ...
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  • Can a 100 percent Disabled Veteran Work and Earn an Income?

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    You’ve just been rated 100% disabled by the Veterans Affairs. After the excitement of finally having the rating you deserve wears off, you start asking questions. One of the first questions that you might ask is this: It’s a legitimate question – rare is the Veteran that finds themselves sitting on the couch eating bon-bons … Continue reading

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Zechariah3and1

I Am 100% Disabled (Bi-Polar) But Neither P&t Disabled Nor Tdiu. What Gives?

Question

I am trying to get my Student loan discharged. You need to have proof from the VA that you are either TDIU or P&T disabled. My problem is I am rated 100% and according to a letter from the VA I am not indicated as TDIU or P&T disabled. Has anyone heard of this? To discharge my loans I need the magic words unemployable or permanently and totally disabled. Since I am already 100% because of Bi-polar shouldn't I be considered P&T disabled? But the letter says because I am schedule for a review in a few years I am not P&T disabled and unemployability is not indicated. UGGGGH!

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If the loan is a high amount, it could be worth your while to try to seek an independent medical opinion that would support a claim for P & T status.

I dont know how long you have received the 100% and it is always possible to try for P & T and the ancillary benefits that P & T would produce for you and your dependents.

Do you also receive SSDI?

I thought maybe an SSDI award would help wipe out a student loan debt but found that it doesn't.

Independent medical Opinions can be quite costly but a strong assessment of your disability could possibly produce the P & T status.

I have friend with SC 100% for bi polar that is P & T.

It took him 12 years to get this VA award and he had been on SSA for almost 2 decades by then for bi polar and had a strong VA medical opinion that he could not improve.

There are many factors they consider for P & T status.

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Thanks for the feed back. I might seek P&T through an independent medical opinion but I won't need that for this. I went down to VA to get a copy of my award letter and possibly a letter from the VA that state because I am 100% that I am considered unemployable. The person that helped me looked at my records online and wrote a letter that I was P&T. I don't think officially that is correct but that is what she did. I didn't object but just went with the flow and figured it all to God's favor. I have already sent this letter with the first page of my award letter stating that I am rated 100%. That should do it. Yes I owe about $10,000 on the loan. It is worth pursuing. Yes I get SSDI. But if I was rated P&T I could get health benefits for my son and wife and I am sure other things. But I am not going to push it right now. I will think about what you have suggested and decide later. My award of 100% is not yet a year old. I am very lucky and blessed to have it. Now with my student loans being discharged I am a happy camper.

If the loan is a high amount, it could be worth your while to try to seek an independent medical opinion that would support a claim for P & T status.

I dont know how long you have received the 100% and it is always possible to try for P & T and the ancillary benefits that P & T would produce for you and your dependents.

Do you also receive SSDI?

I thought maybe an SSDI award would help wipe out a student loan debt but found that it doesn't.

Independent medical Opinions can be quite costly but a strong assessment of your disability could possibly produce the P & T status.

I have friend with SC 100% for bi polar that is P & T.

It took him 12 years to get this VA award and he had been on SSA for almost 2 decades by then for bi polar and had a strong VA medical opinion that he could not improve.

There are many factors they consider for P & T status.

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