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  • VA Watchdog

  • 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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Cavman

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Guest RickB54

Guest RickB54

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I`m not really sure about the life insurance benefit. There is no life insurance for me just because I get the 100% benefit is there?

Cavman

Caveman,

Any disabled veteran has two years from the time rated for a new disability to requests dav life insurance. This two year period does not include increased ratings. The two years is based only on a new rating for a NEW Disability.

You can apply on line: http://www.insurance.va.gov/miscellaneous/index.htm

Once you have the basic life insurance you can request a wavior of premiums and get the additional $20,000 policy because you are 100%. The $20,000 policy is about $57.00 a month.

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Objee Community Regular

Objee

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Cavman,

The disabled vet life insurace must be applied for and either paid for or (if you're 100% SC & under age 65) the premiums waived. You have 2 years from the date of the decision letter to apply. It's not "guaranteed issue" - you need to be in reasonably good health on an NSC basis but the SC problems are waived in underwriting the policy.

If you get the $10K with premiums waived, you're entitled to buy another $20K BUT the deadline for applying for the extra insurance is 1 year from the decision letter date. Go figure! (As I understand it!! And, I could be just a bit wrong.) :lol:

Ralph

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Objee Community Regular

Objee

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Rick:

I didn`t realize you had to be in good health until Ralph`s post. Phewww. Maybe a little decaf for awhile. Lol.

Cavman

Cavman,

Go back and read the narrative(s) in your Decision Letter(s). If they cover most of the stuff that plagues you, AND you're still within the 2 year period of eligibility, go ahead and apply!!! Worst that can happen is that you get no insurance. ' Course, that's where you (and I) are now. :angry:

Ralph

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Pete53 Grand Master

Pete53

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My experience would be that a premium that low would be for accidental death only.

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Objee Community Regular

Objee

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Cavman,

Go back and read the narrative(s) in your Decision Letter(s). If they cover most of the stuff that plagues you, AND you're still within the 2 year period of eligibility, go ahead and apply!!! Worst that can happen is that you get no insurance. ' Course, that's where you (and I) are now. :angry:

Ralph

Cavman.

Please go back to the appliaction for disability life insurance and cross=check with your Decision Letter narratives. If you're even close to looking "clean" except for SC disabilities, APPLY!!!

I'm a Chartered Life Underwriter and I know the business. Neither you nor I know what will actually "pass muster", so please apply if it looks at all like you MIGHT get approved. Again, the worst you'll wind up with is what you have now - no coverage. But, at least you will have tried.

Ralph

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john999 Grand Master

john999

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The basic amount of disabled veteran life insurance is from prehistoric times. Life insurance is supposed to provide funds for dependents to live on for a decent period of time. 10,000 would barely cover the cost of a funeral. I got $250,000 when I was 50 years old for about $700 dollars a year from Select Quote. You have to be in decent health at the time. Young people with dependents need lots of life insurance. Older types don't need it as much if they have any savings. Disabled vet life insurance is inadequate like everything else about the VA. Vets are most definitely second class citizens. VA is like the Jim Crow laws for vets.

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ronn Enthusiast

ronn

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Cavman, I'm not at all sure how it works,but i applied and received the insurance .Prieum was wavied. You got nothing to lose but your time. ronn

The basic amount of disabled veteran life insurance is from prehistoric times. Life insurance is supposed to provide funds for dependents to live on for a decent period of time. 10,000 would barely cover the cost of a funeral. I got $250,000 when I was 50 years old for about $700 dollars a year from Select Quote. You have to be in decent health at the time. Young people with dependents need lots of life insurance. Older types don't need it as much if they have any savings. Disabled vet life insurance is inadequate like everything else about the VA. Vets are most definitely second class citizens. VA is like the Jim Crow laws for vets.
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Guest RickB54

Guest RickB54

Posted
Posted
The basic amount of disabled veteran life insurance is from prehistoric times. Life insurance is supposed to provide funds for dependents to live on for a decent period of time. 10,000 would barely cover the cost of a funeral. I got $250,000 when I was 50 years old for about $700 dollars a year from Select Quote. You have to be in decent health at the time. Young people with dependents need lots of life insurance. Older types don't need it as much if they have any savings. Disabled vet life insurance is inadequate like everything else about the VA. Vets are most definitely second class citizens. VA is like the Jim Crow laws for vets.

This is why there is a bill in congress is considering raising the minimum Insurance to a higher level. But it the meantime $10,000 is better than nothing.

I don't understand why some people seem to find the down side to everything the va has to offer,especially when the complainer most often is also the benefactor. Remember the va does not write the laws that govern Veterans benefits. Congress writes the laws, maybe some some letters to congress would be more proactive than *itching all the time about how inadequate the system is because all you acomplish is preaching to the choir and lets face it that never gets anyone anywhere.

How anyone can even equate va benefits to jim crow laws is beyond me;They mandated "separate but equal" status for African Americans. In reality, this led to treatment and accommodations that were almost always inferior to those provided to white Americans. While VA isn't perfect veteran are generally treated the same as any other citizen.

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spike Proficient

spike

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I'd like to see that increase go through......what is the bill number if anyone knows it so i can track it more easily

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Pete53 Grand Master

Pete53

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Many Veterans were cheated out of Life Insuirance due to partial drib drab awards in small amounts who were unable to work and could not afford Life Insurance on 30% or less. If Congress is going to fix something this would be one thing that they should.

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spike Proficient

spike

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Thanks.....I found a nice website to track bills before they become law......www.washingtonwatch.com

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Pete53 Grand Master

Pete53

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I called VARO in Waco TX today. Talked to a nice lady on 800 number who told me she was a Veteran and served the same time I did. She also confused me as she told me and even checked that if I am granted HB I will be able to get Life Insurance waived?

She also told me that my claim went to rating 7 days ago. Last month when I ched it had already gone. I guess most of ya know the drill. It really don't count till the money is in the bank.

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Guest RickB54

Guest RickB54

Posted
Posted
I called VARO in Waco TX today. Talked to a nice lady on 800 number who told me she was a Veteran and served the same time I did. She also confused me as she told me and even checked that if I am granted HB I will be able to get Life Insurance waived?

She also told me that my claim went to rating 7 days ago. Last month when I ched it had already gone. I guess most of ya know the drill. It really don't count till the money is in the bank.

Pete,

I thought you were already TDIU, in which case you should have already received a waivor of premiums of the basic $10,000 life insurance policy, and you should have been able to get the addition $20,000. policy at $57.00 a month. Did I miss something? Why hasn't your insurance payment already been waived? Also, An award of HB has will not affect your va life insurance, so I do not understand why she told you this????

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Pete53 Grand Master

Pete53

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I missed the train. I could not afford any life insurance at 30%. I thought this woman was full of beans but I am going to double check with VA Life Insurance.

Thanks for your response.

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Guest RickB54

Guest RickB54

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I missed the train. I could not afford any life insurance at 30%. I thought this woman was full of beans but I am going to double check with VA Life Insurance.

Thanks for your response.

I can understand that. I did the same thing it wasn't untill after I was tdiu when I got a new award of 10% for of all things hemorrhoids them I jumped on the bandwagan real quick.

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