Jump to content
  • Advertisemnt

  • 14 Questions about VA Disability Compensation Benefits Claims

    questions-001@3x.png

    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 ...
    Continue Reading
     
  • Ads

  • Most Common VA Disabilities Claimed for Compensation:   

    tinnitus-005.pngptsd-005.pnglumbosacral-005.pngscars-005.pnglimitation-flexion-knee-005.pngdiabetes-005.pnglimitation-motion-ankle-005.pngparalysis-005.pngdegenerative-arthitis-spine-005.pngtbi-traumatic-brain-injury-005.png

  • Advertisemnt

  • VA Watchdog

  • Advertisemnt

  • Ads

  • Can a 100 percent Disabled Veteran Work and Earn an Income?

    employment 2.jpeg

    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

  • Searches Community Forums, Blog and more

  • Ad Free Subscription.jpgOne Time Financial Gift.jpg

    Subscriptions and Gifts are NOT Tax Deductible. HadIt.com is NOT a Non Profit.

  • 0
Ann Bracey

Life Insurance for Surviving Spouse

Question

As spouse receiving DIC can I qualify for Life Insurance through VA? If so, where to look at options? Please don't tell me EBenefits or IRIS I can not even get through the system. Yes, I can log in to EBenefits but that is all I can do. When going through IRIS it always asks for Veteran's zip code and unless heaven has zip code don 't know what to do. Adding that if I say general question it still asks the same.

Any help?

Thanks

Ann Bracey

Share this post


Link to post
Share on other sites

5 answers to this question

Recommended Posts

  • 0

Ann

   I looked and did not see any life insurance coverage through VA for spouses receiving DIC.  

   The "only" life insurance FOR VETS that is at no cost is the first 10,000 in coverage for disabled Veterans who are eligible for waiver of premiums.  All the other insurance has to be paid for.  

    For that reason, you may consider purchasing life insurance "other than through VA".  It could actually be less expensive than through VA.  Of course, I dont know your age and health and that will have a great affect on the life insurance coverage available to you.  

   IF you are over 65 but under 80, then you may have to get "guaranteed issue" life insurance unless you are in exceptionally good health.  Guaranteed issue insurance is generally for those 60 to 85 or with health conditions where they cant get "regular" life insurance.  The guaranteed issue insurance is generally a low face amount, usually under 25,000, and your beneficiary would only get "return of premiums paid" if you passed away in the first 2 years of the policy. (that is a typical guaranteed issue policy, sometimes called a funeral policy).  

     Of course, if you are under 65 and in good health you can shop for the best deals.  

     One of the decisions you will need to make is whether to get "permanent"  aka whole life  or "temporary"aka term insurance.  You can think of whole life as "owned" insurance which builds cash value and you can even quit paying the premiums after its "paid up".  On the other hand "rented" or term insurance only covers you for a specific period of time..often 10 years, to your age 65 etc.  Then the term insurance "ends" and has no cash value, just like renting a home.  

     Others can chime in here, but I looked, and am unaware of VA life insurance to DIC recipients.  Perhaps Berta could chime in she is our DIC expert.  

Edited by broncovet

Share this post


Link to post
Share on other sites

Ad

  • 0

I think she can get his free 10.000 life insurance if they were married a year before his death and he was 100% p&t And took the free life policy.

 

That's what I have  in case I go before my spouse  she can at least bury me and keep the change.

I also have another private life policy that she can cash in after I kick that old bucket.

Share this post


Link to post
Share on other sites
  • 0

In the last 3 years I got the 10,000 from the VA and a 10,000 and a 5,000 from Mutual of Omaha, $30 and $20 bucks a month or there about's, age 57.

I got my wife, 10,000, 10,000 and 5,000, at less $$$ than my two combined.  She is 4 years younger and a lot prettier than me.

She is disabled with major medical problems, and then there is me.  This is the insurance where there is NO physical, etc.  Guaranteed acceptance, yada, yada, yada.

Just so you know, if you do get "this type", you can only have a max of $25,000.00 each, from any or all insurances of "this type".  Not including the VA, so I could get another 10,000, as the VA is not under this rule.  Not sure if its a rule or just a policy.

Anyway, 

Hamslice

And please discuss your wishes before hand, i.e., my wife wants to be cremated and her remains disposed of (?), and I want to be embalmed and have a mausoleum built in my honor.  So, there is that..

 

Share this post


Link to post
Share on other sites
  • 0

Broncovet, that is an excellent reply.

As a DIC widow I do not get Life Insurance through the VA.

I have Whole Life, and don't really recommend Term Life, but Term life is much cheaper.

https://www.benefits.va.gov/insurance/

 

 

Share this post


Link to post
Share on other sites
  • 0

What about the OP IF Her hubby had the free VA Life Insurance ...then why wouldn't she be entitled?After her hubby died???

It seems to me that's what she is asking here?   she would still be entitled to her monthly DIC pension.

but if she wants her own life insurance   then yeah she would be obligated to pay out the premiums. and several ways to choose to do that depending on the Insurance company she pics.

Edited by Buck52

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Answer this question...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Our picks

    • Type 1 Diabetes recent onset!
      I was diagnosed with Type 1 diabetes in September 2017 OUT OF NOWHERE.

      i am a Navy Reservist and deployed in later 2009 to mid 2010 and again later 2014 to mid 2015; had a 2 year recall between those deployments.  

      Only healthcare received since commissioning in 2008 was from the Navy and no issues EVER.

      insulin dependent and have dietary restrictions and in a non deployable status.

      VA denied initial claim due to Type 1 not showing on active duty and now appealing.

      Anyone with successful experience getting a rating with my circumstances?  I live in Upstate New York.
      • 9 replies
    • Agent Orange Kadena Afb Okinawa
      I am looking for anyone who was on Kadena AFB, Okinawa or .Chanute AFB, IL. My dad was there from Oct. 68-April 70. He has ichemic heart disease, diabetes which has resulted in the amputation of his right leg below the knee and peripheral neuropathy. We were denied in 2002 AMVETS filed a claim on his behalf for heart condition, diabetes and back problems. I refiled in December 2011 and have just received the claim statements and medical release forms. I am familiar with filling out this paper work because my husband is a combat veteran of Iraqi Freedom. I have been reading articles from the Japan times and I am a member of the Agent Orange Okinawa facebook page. Another thing that helps make my dad's case is that he was on Chanute AFB, IL and it is on the EPA Superfund list and has PCBs/Pesticides and Dioxins/Furans listed as ground and water contaminants. I welcome any advice, tips or articles that I may have missed in my own research.
      • 15 replies
    • CBO Options for Reducing the Deficit: 2019 to 2028 Published Dec 2018
      CBO Options for Reducing the Deficit: 2019 to 2028 - This CBO Report has been making the news. This post includes parts relevant to veterans. Nothing has been decided as of yet and some seem very unlikely but you never know. Forewarned is Forearmed.

       

      https://www.hadit.com/cbo-options-for-reducing-the-deficit-2019-to-2028-published-dec-2018/
      • 10 replies
    • 2019 Veterans Benefits
      State Benefits, Space A and More ... https://www.hadit.com/2019-changes-to-veterans-benefits-state-and-federal/
      • 2 replies
    • Appeal granted and closed.
      My appeal was granted and closed on November 9.  I got an unofficial notification from the DAV on November 15 stating "appeal granted with an evaluation of 30%" which is great!  My question is this:  How long until I get the official notification from the va? Nothing on ebennies has updated since the appeal closed. Appeal is now in historical and just says complete and at originating va office. I understand no one knows va timelines to a tee but a general timeline would be great.  Thank you all! Hope you have a Merry Christmas!

       

      Edit:  This was my first time appealing and it was a VBA grant. 
        • Like
      • 6 replies
  • Ads

  • Popular Contributors

  • Ad

  • Latest News
×
×
  • Create New...

Important Information

{terms] and Guidelines