For disabled veterans that are no longer able to work as a result of their service-related disability, the VA’s Total Disability Individual Unemployability (TDIU) program can indeed be a lifesaver.
Under this program, you could be entitled to receive monthly benefits equal to a 100 percent VA disability rating even if your disability rating is below this.
Unfortunately, applying for these TDIU benefits and determining how much money you’re eligible for isn’t always so easy or straightforward.
Therefore, read on to learn more about the VA’s TDIU benefits program and learn how to calculate your potential benefits payments.
Understanding Total Disability Individual Unemployability Benefits
Total Disability Individual Unemployment benefits are designed for veterans who are either unable to work or obtain a job as a direct result of any physical or mental impairments that resulted from their service.
To qualify, the VA must determine that your impairment occurred during your service time and that it qualifies as service connected.
This includes both primary service-connected impairments and any secondary impairments that arose as a direct result of your original condition.
If the VA determines that you do qualify for TDIU benefits, you will receive the maximum monthly disability benefit equal to a 100 percent disability rating.
As of January 2018, this means you will receive a minimum monthly payment of $3,057.13.
Still, it is important to note that this is the bare minimum, and you will usually earn more money if you’re married or you support any children or elderly parents.
Calculating Your VA TDIU Benefits Payment
The base payment of $3,057.13 is for disabled veterans who are unmarried and have no dependents. This number then rises if you are eligible and take care of one or two parents.
Your benefits payment also rises further if you are married and even further if you’re married and caring for one or both of your parents.
Veterans with a spouse and child or only a child are also entitled to more significant benefits, and your total monthly payment could rise as high as $3,625.99 if you are married and taking care of one child and two parents.
Moreover, the total number of children you have also affected your benefits payment. Your total monthly benefits payment will increase by $84.69 for each child you have under the age of 18, while any schoolchildren over the age of 18 will add $273.58 per month.
Getting Approval for TDIU Benefits
If you have trouble gaining or keeping a job due to your service-related disability, you may qualify for TDIU benefits. However, your VA disability rating plays a vital role in determining if you are eligible.
Generally speaking, you need to have one service-connected disability rated at least 60 percent to qualify.
Alternatively, the program is also available to veterans that have two limitations that add up to at least a 70 percent disability rating as long as one of the disabilities has a minimum of a 40 percent rating.
Of course, you must also be able to prove that you are unable to get or keep a job as a result of your disability.
Unfortunately, the VA often fights against these claims, which means it will be up to you to prove that you’re unable to work, and this is where searching out experienced lawyers for veterans can be a huge benefit.
The fact that your disability is directly related to the excellent service you provided to your country means you deserve to be taken care of.
Luckily, the VA’s TDIU benefits program can make sure that is the case even if you don’t currently qualify for a 100 percent disability rating.
Therefore, it is well worth looking into if you’re presently struggling with unemployment as a result of your service-related impairment.