Jump to content
  • veteranscrisisline-badge-chat-1.gif

  • Advertisemnt

  • Trouble Remembering? This helped me.

    I have memory problems and as some of you may know I highly recommend Evernote and have for years. Though I've found that writing helps me remember more. I ran across Tom's videos on youtube, I'm a bit geeky and I also use an IPad so if you take notes on your IPad or you are thinking of going paperless check it out. I'm really happy with it, I use it with a program called Noteshelf 2.

    Click here to purchase your digital journal. HadIt.com receives a commission on each purchase.

  • 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

  • 0
paulstrgn

Service Disabled Veterans Insurance

Question

I am 100% P&T. I have called the toll free number for the VA life insurance and have been given conflicting information. The first person I spoke to said I am not eligible to apply for the waiver of premiums on a $10,000 life policy because I am working, the second person said I need to apply for the waiver and see what they say. He said I may or may not be given the waiver, he said you won't know until you apply.

Does anyone have the SDVI for $10,000 and is employed get the premiums waived? I only want to apply if the premiums will be waived. I am also under 65 and it has been less than 2 years since my last new disability.

Thanks

 

  • Like 1

Share this post


Link to post
Share on other sites

Recommended Posts

  • 0

I will apply and see what they do, I won't count on them approving it but I will see.

I don't understand why waving of premiums is tied to whether or not you are employed. I am 100% P&T and work full-time yet I still get a disability check, so why is this different.

@Vync what an awesome job you did with researching, I really do appreciate it.

  • Thanks 1

Share this post


Link to post
Share on other sites
  • 0
23 minutes ago, paulstrgn said:

I will apply and see what they do, I won't count on them approving it but I will see.

I don't understand why waving of premiums is tied to whether or not you are employed. I am 100% P&T and work full-time yet I still get a disability check, so why is this different.

@Vync what an awesome job you did with researching, I really do appreciate it.

I'm not an insurance expert, but assume that when you get to P&T or TDIU, it appears you are supposed to be able to get the insurance for free. Of course you have to meet the other requirements.

Earlier this year, I had to make use of a critical illness policy I have through Aflac for the first time. When I noticed you posting the same issue I encountered, I remembered that it felt fishy. Figured I would try and chase it down. If we're right, it could mean the VA will have to go back and offer coverage to other veterans denied for the same reason.

Share this post


Link to post
Share on other sites
  • 0

The criteria  for S- DVI is here:

https://www.benefits.va.gov/insurance/s-dvi.asp

at the left of that page there are other links to other types of insurance veterans can apply for.

Edited by Berta
  • Like 1

Share this post


Link to post
Share on other sites
  • 0

SDVI waiver of Premium is based on Permanent and Total. The case of a Veteran working or not is moot and should not be a discussion item. VA disability is based on the loss of earnings ability your disability has caused. It is not like SSDI as that is all or nothing.  

Go ahead and file the paperwork.  The Permanent and Total is law. If these people would only do their job and quit confusing veterans about life insurance. 

Share this post


Link to post
Share on other sites
  • 0
12 hours ago, jbasser said:

SDVI waiver of Premium is based on Permanent and Total. The case of a Veteran working or not is moot and should not be a discussion item. VA disability is based on the loss of earnings ability your disability has caused. It is not like SSDI as that is all or nothing.  

Go ahead and file the paperwork.  The Permanent and Total is law. If these people would only do their job and quit confusing veterans about life insurance. 

I agree completely

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.


  • Ads

  • Our picks

    • Need your support - T-shirts Available - Please buy a mug or a membership
      if you have been thinking about subscribing to an ad-free forum or buying a mug now would a very helpful time to do that.

      Thank you for your support
      • 16 replies
    • OK everyone thanks for all the advice I need your help I called VSO complained about length of time on Wednesday of this week today I checked my E benefits and my ratings are in for my ankles that they were denying me 10% for each bilateral which makes 21% I was originally 80% now they’re still saying I’m 80% 

      I’m 50% pes planus 30% migraine headaches 20% lumbar 10% tinnitus and now bilateral 21% so 10% left and right ankle Can someone else please do the math because I come up with 86% which makes me 90 what am I missing please help and thank you
    • I was denied SC for IBS and GERD IN 2011. In 2019 I was awarded SC for GERD. This CUE  is for 2011, both GERD and IBS. There are some odd aspects regarding the 2011 decision, the way it was written and the C&P report and the way it was written. I've tried to present this as clearly as I can. Note: the decision contradicts itself. the decision also contradicts the C&P Report. Honestly, I think the rater just got confused because the C&P was so poorly written. *THIS CUE HAS NOT YET BEEN SUBMITTED*Please let me know what you think. Appreciate all comments and suggestions. Thanks.

       

      VA RATING DECISION MARCH 23 2011 GERD IBS.pdf C P REPORT 7312010 GERD IBS.pdf GERD IBS CUE 2011(1).pdf

      C P ADDENDUM REQUEST RE DIAGNOSIS 7232010.pdf
      • 53 replies
    • 14 Questions about VA Disability Compensation Benefits Claims
      When a Veteran starts considering whether or not to file a Veterans Affairs 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 when it comes to filing Veterans Affairs Disability Claims. [Reprinted here with permission from Veterans Law Blog]
      • 0 replies
    • Disabled Veterans Property Tax Exemptions by State
      Alabama 
      A disabled veteran in Alabama may receive a full property tax exemption on his/her primary residence if the veteran is 100 percent disabled as a result of service and has a net annual income of $12,000 or less.
      • 0 replies
  • Ads

  • Popular Contributors

  • Ad

  • Latest News
×
×
  • Create New...

Important Information

{terms] and Guidelines