Posts for November, 2007

COMBAT VETERAN ELIGIBILITY

Combat Veteran Eligibility

 Benefit Description: The Department of Veterans Affairs (VA) provides cost-free health care services and nursing home care for conditions possibly related to military service to veterans with combat service after November 11, 1998 for a 2-year period beginning on the date of their separation from active military service. Who’s eligible: Veterans, including activated Reservists and members of the National Guard, are eligible if they served on active duty in a theater of combat operations during a period of war after the Gulf War or; were in combat against a hostile force during a period of “hostilities” after November 11, 1998 and, have been discharged under other than dishonorable conditions. What’s meant by “hostilities”: “Hostilities” is defined as conflict in which Armed Forces members are subjected to the danger comparable to that faced in a period of war. Acceptable documentation includes: 

•service documentation that reflects service in a combat theater, or  

•receipt of combat service medals and/or,  

•receipt of imminent danger or hostile fire pay or tax benefits.  

What are combat veterans eligible for: 

•Cost-free care, including medications, for conditions potentially related to their combat service for up to 2 years following their discharge or release from active duty.  

•Enrollment into Enrollment Priority Group 6 if not otherwise qualified for a higher enrollment priority group assignment.  

•Full access to VA’s Medical Benefits Package.  

What happens after the 2-year authority expires: Veterans who enroll with VA under this authority will retain enrollment eligibility even after their 2-year post discharge period ends under current enrollment policies. At the end of that 2-year period VA will reassess the veteran’s information (including all applicable eligibility factors) and make a new enrollment decision. If the veteran was in Priority Group 6 and no other eligibility factors apply then he/she will continue enrollment in either Priority Group 7 or Priority Group 8 depending on their income level and will be required to make applicable copayments. What about combat veterans who do not enroll during this post 2-year period: For those veterans who do not enroll during this 2-year post-discharge period, eligibility for enrollment and subsequent care is based on other factors such as: a compensable service-connected disability, VA pension status, catastrophic disability determination, or the veteran’s financial circumstances. For this reason, combat veterans are strongly encouraged to apply for enrollment within 2 years of release from active duty to take advantage of the special combat veteran eligibility even if no medical care is currently needed.  

Copays: Veterans who qualify under this special eligibility are not subject to copays for conditions potentially related to their combat service. However, unless otherwise exempted, combat veterans must either disclose their prior year gross household income OR decline to provide their financial information and agree to make applicable copays for care or services VA determines are clearly unrelated to their military service. Note: While income disclosure by a recently discharged combat veteran is not a requirement, this disclosure may provide additional benefits such as eligibility for travel reimbursement, cost-free medication and/or medical care for services unrelated to combat. Dental Care: Eligibility for VA dental benefits is based on very specific guidelines and differs significantly from eligibility requirements for medical care. Combat veterans may be authorized dental treatment as reasonably necessary for the one-time correction of dental conditions if:  

•They served on active duty and were discharged or released from active duty under conditions other than dishonorable from a period of service not less than 90 days and  

•The certificate of discharge or release does not bear a certification that the veteran was provided, within the 90-day period immediately before the date of such discharge or release, a complete dental examination (including dental X-rays) and all appropriate dental service and treatment indicated by the examination to be needed and  

•Application for VA dental treatment is made within 90 days of discharge or release  

Additional information: Additional information is available at the nearest VA medical facility. VA facilities listing and telephone numbers can be found on the internet at www.va.gov/directory, or in the local telephone directory under the “U.S. Government” listings. Veterans can also call theHealth
Benefit
Service
Center toll free at 1-877-222-VETS (8387) or visit the VA health eligibility website at
www.va.gov/healtheligibility.  

DOD AND VA BEGIN PILOT DISABILITY EVALUATION SYSTEM

DoD and VA Begin Pilot Disability Evaluation System 

      The Department of Defense (DoD) and Department of Veterans Affairs (VA) recently implemented a pilot test for disability cases originating at the three major military treatment facilities and the VA hospital in the national capital region. This pilot will run for one year. The leadership of DoD and VA will review pilot progress during this period to assist in determining when the program can be expanded to other locations.       The pilot will test a new DoD and VA disability system. The pilot will be a service member-centric initiative designed to eliminate the duplicative and often confusing elements of the two current disability processes of the departments. Key features of the pilot program include one medical examination and a single-sourced disability rating. One goal of the pilot is to enable service members to more effectively transition to veteran status and provide them with their VA benefits and compensation.       The DoD and VA are examining the continuum of care they provide from the point of injury through rehabilitation to community reintegration. The objectives of the pilot are to improve the timeliness, effectiveness, and transparency by integrating DoD and VA processes, eliminating duplication, and improving information provided to service members and their families.       To ensure a seamless transition of our wounded, ill, and injured from the care, benefits, and services of DoD to the VA system, the pilot will also test enhanced case management methods and identify opportunities to improve the flow of information and identification of additional resources to the service member and family. As soon as the service members in the pilot transition from the military, the VA is poised to provide benefits and compensation to these veterans.       The scope of the pilot includes all non-clinical care and administrative activities, such as case management and counseling requirements, associated with disability case processing from the point of service member referral to a military department medical evaluation board to the point of compensation and provision of benefits to veterans by the VA.        The pilot process has been developed over the last several months and is focused on recommendations that could be implemented without legislative change from the reports of the Task Force on Returning Global War on Terrorism Heroes, the Independent Review Group, the President’s Commission on Care for America’s Returning Wounded Warriors (the Dole/Shalala Commission), and the Commission on Veterans’ Disability Benefits.        The pilot is part of a larger effort to improve care and services to our wounded, injured and ill. Some of the other ongoing initiatives include improved information technology and data sharing, facility enhancements, recruitment and retention of care professionals, new methods to care for brain injuries and mental health concerns including post-traumatic stress disorder, and the use of life long care plans to fully support wounded, ill, and injured service members from recovery through rehabilitation to community integration.

Benefits in a Nut Shell

A listing of benefits that are available depending on a veterans level of disability:

0% To 20%
• Certification of Eligibility for home loan guaranty.
• Home loan guaranty fee exemption.
• VA Priority medical treatment card.
• Vocational Rehabilitation and Counseling under title 38 USC Chapter 31 (must be at least 10%)
• Service Disabled Veterans insurance (Maximum of $10,000 coverage) must file within 2 years from date of new service connection.
• 10 point Civil Service Preference (10 points added to Civil Service test score).
• Clothing allowances for veterans who use or wear a prosthetic or orthopedic appliance (artificial limb, braces, or wheelchair) or use prescribed medications for skin condition, which tend to wear, tear or soil clothing.
• Temporary total evaluation (100%) based on hospitalization for a service connected disability in excess of 21 days; or surgical treatment for a service connected disability necessitating at least 1 month of convalescence or immobilization by cast, without surgery of more major joints.
**************************

30% In addition to the above:
• Additional allowances for dependent(s) [spouse, child(ren), step child(ren), helpless child(ren), full-time students between the ages 18 to 23, and parent(s)]
• Additional allowances for a spouse who is a patient in a nursing home or helpless or blind or so nearly helpless or blind as to require the aid and attendance of another person.
**************************

40% In addition to the above:
• Automobile grant and/or special adaptive equipment for an automobile provided there is loss or permanent loss of use of one or both feet, loss or permanent loss of one or both hands or permanent impaired vision of both eyes with central visual acuity of 20/200 or less in better eye.
• Special adaptive equipment may also be applied for if there is ankylosis of one or both knees or one or both hips.
**************************

50% In addition to the above:
• VA Medical outpatient treatment for any condition except dental.
• Preventive health care services.
• Hospital care and medical services in non-VA facilities under an authorized fee basis agreement.
**************************

100% & TDIU In addition to the above:
• Dental treatment.
• Department of Defense Commissary privileges.
• Veteran’s employment preference for spouse.
• Waiver of National Service Life Insurance premiums.
• National Service Life insurance total disability income provisions.
**************************

100% & Some TDIU Permanent & Total  in addition to the above:
• Civilian Health and Medical Program for dependents and survivors (CHaMPVA)
• Survivors and dependents education assistance under Title 38 USC Chapter 35

• Specially adapted housing for veterans who have loss or permanent loss of use of both lower extremities or the loss or blindness in both eyes having light perception only plus loss or permanent loss of one lower extremity or the loss or permanent loss of use of one lower extremity with loss or permanent loss of use of one upper extremity or the loss or permanent loss of use of one extremity together with an organic disease which affects the function of balance and propulsion as to preclude locomotion without the aid of braces, crutches, canes or wheelchair.
• Special home adaptation Grant (for veterans who don’t qualify for Specially Adapted Housing) may be applied for if the veteran is permanently and totally disabled due to blindness in both eyes with visual acuity or 5/200 or less or loss of or permanent loss of use of both hands.

The Great Life Insurance Debacle!

 “If you know the truth, the truth will set you free”.

20 years ago I found myself in a great deal of financial distress due to excessive debt. I was looking for ways to cut my monthly costs in order to attack the consumer debt.

In the process of searching for cost cutting ideas ,I began to read a book about the life insurance industry and how they make thier money.

 What I found out was a total shock to me.

The life insurance industry is the richest industry on the planet!

How do they make thier money? Largely they sell insurance against financial loss due to death.

If you pay, lets say $50.00 per month , for a $100,000.00 whole life policy, you are paying a very small fraction of that premium for the death benefit.

The rest of the premium goes into a cash accumulation account.

Lets say $25.00 pays for the death benefit and the rest accummulates in the cash account at interest.

Sounds good so far, right?

Lets say you have that policy for ten years and the interest credit is 0%

Your cash value would be $3,000.00, right?

Ok, lets say you need that cash you have saved in the policy, how do you access it?

1. You can borrow your own savings from your policy and pay around 7% interest to the insurance company. Your death benefit is reduced by the amount you borrow and the premium is increased to pay the interest.

$100,000.00 death benefit - $3,000.00 policy loan = $97,000.00 new death benefit. Old premium $50.00 per month,  new premium $67.50.

How do you like borrowing your own money, paying interest to the insurance company and they lower your death benefit?

2. You can take all of the cash value out by surrendering the policy. In which case if you die, your family is left $97,000.00 poorer.

3. If you die, the cash value is kept by the insurer.

$100,000.00 death benefit at purchase $100,000.00 death benefit ten years later.

Where did your savings go?

Still sound like such a good deal?

You either get your insurance or your savings, But Not both! This is true REGARDLESS OF THE COMPANY!

 Why not insure to insure and save to save?

Using a form of life Insurance called Term , you can get much more insurance benefit for your money and save the difference!

Most life insurance companies offer Term Insurance, but they strongly encourage their agents to sell whole life, universal life, variable life etc. because the profit is “Off the charts” compared to term.

Unfortunately that puts your insurance company in an adversarial position with you.

I’m a paasionate capitalist, but I am also opposed to being sold products without the client fully understanding the products they buy.

The agent makes a substantially larger commission on the cash value style insurance than he will on term insurance, so the insurer is putting the agent in a position where if he sells the best value his income is greatly compromised.

Term insurance can be designed around your benefit and budget needs more easily due to the greatly reduced cost.

Term is the better Value

Generally speaking, if you are 50 years old or younger and in reasonably good health you should buy term insurance.

The problem is finding an agent who will give you an unbiased assessment of term vs. cash value life insurance.

If you would like more information on this or any other “Money Matters” subject, contact the guest host, Joe Money Matters.

Next time, Savng and investing .

 

 

Joe Money Matters is a section of the VAJoe Blog to ask for quick financial tips and advice from an expert with more than 20 years experience in counseling families to live without debt and to reach there financial potential. Please leave comments on this Blog. You can learn more about the Joe Money Matters advisor at his website. The posts and comments by JoeMoneyMatters reflect his two decades of financial counseling expereince. VAJoe.com does not endorse any financial strategies, but offers this blog as a service to its site members for discussion.

Special Benefits Continued

  

Today I want to talk  some more about special benefits, special being that you must be considered a severely disabled veteran to be awarded these benefits.

Specially Adapted Housing:

Seriously disabled veterans of any period of service, who cannot get around with out the aid of wheelchairs, braces, crutches, or canes may be entitled to a grant from the Department of Veteran Affairs for an adapted home.  These veterans must be entitled to compensation for permanent and total disability for the loss or loss of use of both legs; blindness in both eyes plus loss or loss of use of one lower extremity; or loss or loss of use of one lower extremity together with residuals of organic disease or injury which so effects the balance or propulsion as to preclude locomotion without the aid of braces, crutches, canes or a wheelchair. (NOTE: Veterans rated TDIU may qualify for this benefit as long as they are also rated total and permanently disabled.)

Eligible veterans may receive a grant for up to 50% of the cost of their home or a maximum of $50,000.  A veteran is not required to use the total grant at one time. It can be used up to three times or until the $50,000 is exhausted.  The grant can be used as a down payment to pay part of the cost of a newly build adapted home or remodeling an existing home.  The grant may also be used to pay off the indebtedness of such homes already acquired and adapted by an eligible veteran. In addition, mortgage protection life insurance on specially adapted homes is available for up to $90,000 from the VA without further medical examination.

This grant is not paid directly to the veteran, but if awarded is placed in escrow and payment from it is controlled by written agreement between the veteran and the contractor after review of the VA Specialist in charge of the program. For more information review VA Pamphlet 2613 at:

http://www.homeloans.va.gov/pdf/VAPamphlet26-13.pdf

For application to apply for the grant,   VA FORM 26-4555 is necessary and located at:

http://www.vba.va.gov/pubs/forms/26-4555.pdf 

Also review the VA web cite at:   

 http://www.homeloans.va.gov/sah.htm 

This grant can be used in connection with a HISA grant of up to $4100. This grant is controlled at your local VA Medical Center Prosthesis Department. For more information concerning this grant review VA Handbook 1173.14 at:

http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1580

Annual Clothing allowances: 

Any veteran  who is entitled to receive compensation for a service connected disability for which he or she wears or uses one or more prosthetic or orthopedic appliances, including a wheelchair, which the Department of Veterans Affairs determines tends to wear out or tear clothing, may be entitled to an annual clothing allowance . This allowance is usually paid on the last day of August each year.  This allowance is also available to veterans who have a skin condition who require the use of medication that causes irreparable damages to his/her clothing.

This benefit is administered your local VA Medical Center Prosthesis Department. You can apply for the grant using VA Form 21-8678 located at:  

http://www.vba.va.gov/pubs/forms/21-8678.pdf

You must apply for the clothing allowance every year for the first three years after the third year it is an automatic award.

Housebound Benefits: 

An additional amount of monthly compensation is provided for some seriously disabled veterans if they meet the following requirements:

The veteran must be have a  separately rated 100% service connected disability together with other service connected disability or disabilities rated at 60% or more, rending the veteran permanently housebound.  A veteran does not have to physically be housebound to receive this benefit. This benefit is payable regardless of the actual ability to leave the home or not. The benefits is payable at the S-rate of special compensation.

Aid & Attendance:  

A veteran who because of a severe service connected disability evaluated at 100% may be entitled to a special rate of monthly compensation when there is demonstrated the need for regular aid and attendance of another person. Such need exist when the veteran is unable to feed himself, dress or undress himself, or keep himself ordinarily clean and presentable. Eligibility may also be shown when the veteran is unable to attend to the wants of nature; or incapacities, physical or mental, which require care or assistance on a regular basis to protect the veteran from hazards of dangers incident to his daily environment. A veteran who is permanently bedridden because of service connected disabilities also meets the requirement for the aid an attendance benefit.  A veteran does not have to meet all of the requirements mentioned above, for example a veteran who may be able to feed his/her self but May required aid to get dressed qualifies for this compensation.

It is highly recommended that you request your primary care provider to write a letter or statement indicating the reasons that you need Aid and Attendance or House Bound compensation.

You may apply for Aid and Attendance or Housebound benefits by writing to the VA regional office having jurisdiction of the claim.   That would be the office where you filed a claim for pension benefits.  If the regional office of jurisdiction is not known, you may file the request with any VA regional office. Leave a comment if you are finding my blog entries useful or if you have a subject that you would like me to write about. Otherwise Stay tuned for my next blog entry concerning your Veterans Benefits.

Overseas Vote Foundation

Overseas Vote Foundation (OVF) provides a central, nonpartisan resource to register to vote and request an absentee ballot from overseas. With the generous financial support from The Pew Charitable Trusts, OVF has developed user-friendly, online voter tools applicable to voters from every state – www.overseasvotefoundation.org:

  • An online overseas voter registration tool that prompts the voter for information necessary to register to vote in accordance with each state’s unique regulations.  Error-checks occur during the process to ensure that the voter does not forget any required information. The program then generates an official form in PDF format and provides the voter with the correct county election office address for mailing.

  • A Voter Help Desk where voter questions are answered via email within 24 hours

  • An Election Official Directory with contact information for the 7000+ election offices in the United States and its territories. 

  • A hot topics list of relevant overseas voter news
  • Links to nonpartisan organizations that offer candidate information for all states

Special Benefits

Today I want to talk about some special benefits, special being that you must be considered a severely disabled veteran to be awarded these benefits.

A. The Automobile Grant: 

Any veteran who as a result of an injury or disease incurred or aggravated by active service has suffered:

1. the loss or permanent loss of use of one or both feet;

2. the loss or permanent loss of use of one or both hands;

3. the permanent impairment of vision of both eyes to a certain prescribed degree: or

4. any member of the armed forces serving on active duty who is suffering from any disability described above, if such disability is the result of an injury incurred or a disease contracted in or aggravated by active military service; is entitled to assistance toward the purchase price of an automobile or other conveyance in an amount not to exceed $11000.00.

Application for this benefit is made on VA Form 21-4502, and should be referred to the Department of Veterans Affairs (your local regional office) for approval prior to any contractual agreement between the veteran and seller. As this is a one time payment only, there is no additional payment for those who may have received a prior grant.

Keep in mind you must be service connected for one of the conditions listed above,  If you request the automobile grant with out first being awarded service connection the automobile grant will be denied automatically.  You may request service connection for one of the conditions listed above at the same time you request the automobile adapted grant.

Once the approval has been made the VA Form 21-4502 will be signed by a VA representative and returned to you. Once you have received the grant you take the 21-4502 to any automobile dealer who will honor it as a cash down payment on any vehicle new or used.

Keep in mind some dealers will work with you better than others.  As an example a local dealer in San Antonio Texas will work with you to insure that you do not have to pay the Texas State sales tax at the time of purchase, while others will charge the tax, and you will have to request a refund from the state.  Some dealers will insure you know that they offer a $1000.00 rebate if you must adapt your vehicle with a wheelchair lift for example. You get this rebate regardless of who actually pays for the wheelchair lift, you or a VA program or some other grant.  Other dealers will allow you to use the adaptive equipment reimbursement program (if you are eligible) as part of your down payment if you are also granted adapted equipment.  (I will cover adaptive equipment for automobiles next.)  If you are a member of the Disabled American Veterans you will receive a special discount from Ford.  Considering all that I have mentioned a Veteran who needs a ramp equipped full size Van that has a raised roof can expect to pay about $40000.00 for such a van. Now with the right dealer and considering all the programs available as mentioned above a veteran needing such a van can expect as much as $25000.00 toward the purchased of the vehicle.  In my example the veterans own cost of the vehicle is $15000.00 which can be financed for up to 7 years (depending on the dealer).  For those veterans that need an adapted vehicle this is a wonderful program.

B. Adaptive Equipment: 

In addition to the automobile allowance of $11000, an eligible veteran or service member is also entitled to the adaptive equipment authorized by the VA as is necessary for the safe operation of the vehicle.

 The eligibility requirements for veterans to receive the adaptive equipment are based on;

1. the loss or permanent loss of use of one or both feet;

2. the loss or permanent loss of use of one or both hands;

3. the permanent impairment of vision of both eyes to a certain prescribed degree: or

4. any member of the armed forces serving on active duty who is suffering from any disability described above, if such disability is the result of an injury incurred or a disease contracted in or aggravated by active military service.

Automobile adaptive equipment eligibility may also be extended to veterans who receive disability compensation for ankylosis of one or both knees or hips. NOTE:  Veterans who have this level of disability are only eligible for the adaptive equipment and not the automobile adapted grant.

Automobile adaptive equipment may also be furnished to a Chapter 31 beneficiary when VR&E determines that adaptive equipment is necessary to overcome an employment handicap to which a service connected disability materially contributes and to achieve the goals of the program of rehabilitation.

Adapted equipment which is a part of, or added to a vehicle and which is specified for the claimant’s disability by directive of the Chief Medical Director, qualifies as adaptive equipment.

There is an exception to the above rules of eligibility.  Blind applicants nor any other case where the veteran or service member must have a driver because of physical disability or lack of a valid state drivers license or learners permit will be granted adapted equipment.

In some instances a veteran will be referred to a VA drivers training program specialist. The specialist will determine what adaptive equipment the veteran needs and will write a prescription to conform to the needs of the veteran. Unlike the automobile adaptive grant which is administered by the regional offices, the adaptive equipment program is administered at the local VA Medical Center within the Prosthesis Department.  If you are authorized adapted equipment you can only have two vehicles in the program.

For more on the automobile adaptive equipment download VA Handbook 1173.4

For more information concerning the VA Drivers Rehabilitation Program download VA Handbook 1173.16,

For application of the automobile adaptive grant and adaptive equipment download VA Form 21-4502

For adaptive equipment reinbursement rates down load VHA Directive 2006- 034

http://www.vvic.org/pdfs/Forms/VA%20Form%2021-4502.pdf

http://www.vvic.org/pdfs/Forms/VA%20Form%2021-4502.pdf

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=435 

http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1430

Look for my next installment concerning special benefits coming soon! 

Title 38: Pensions, Bonuses, and Veterans’ Relief Part 3

(Authority: 38 U.S.C. 1155)[41 FR 11293, Mar. 18, 1976, as amended at 54 FR 27161, June 28, 1989; 54 FR 36029, Aug. 31, 1989]

§ 4.26   Bilateral factor.

When a partial disability results from disease or injury of both arms, or of both legs, or of paired skeletal muscles, the ratings for the disabilities of the right and left sides will be combined as usual, and 10 percent of this value will be added (i.e., not combined) before proceeding with further combinations, or converting to degree of disability. The bilateral factor will be applied to such bilateral disabilities before other combinations are carried out and the rating for such disabilities including the bilateral factor in this section will be treated as 1 disability for the purpose of arranging in order of severity and for all further combinations. For example, with disabilities evaluated at 60 percent, 20 percent, 10 percent and 10 percent (the two 10’s representing bilateral disabilities), the order of severity would be 60, 21 and 20. The 60 and 21 combine to 68 percent and the 68 and 20 to 74 percent, converted to 70 percent as the final degree of disability.(a) The use of the terms “arms” and “legs” is not intended to distinguish between the arm, forearm and hand, or the thigh, leg, and foot, but relates to the upper extremities and lower extremities as a whole. Thus with a compensable disability of the right thigh, for example, amputation, and one of the left foot, for example, pes planus, the bilateral factor applies, and similarly whenever there are compensable disabilities affecting use of paired extremities regardless of location or specified type of impairment.(b) The correct procedure when applying the bilateral factor to disabilities affecting both upper extremities and both lower extremities is to combine the ratings of the disabilities affecting the 4 extremities in the order of their individual severity and apply the bilateral factor by adding, not combining, 10 percent of the combined value thus attained.(c) The bilateral factor is not applicable unless there is partial disability of compensable degree in each of 2 paired extremities, or paired skeletal muscles.

§ 4.27   Use of diagnostic code numbers.

The diagnostic code numbers appearing opposite the listed ratable disabilities are arbitrary numbers for the purpose of showing the basis of the evaluation assigned and for statistical analysis in the Department of Veterans Affairs, and as will be observed, extend from 5000 to a possible 9999. Great care will be exercised in the selection of the applicable code number and in its citation on the rating sheet. No other numbers than these listed or hereafter furnished are to be employed for rating purposes, with an exception as described in this section, as to unlisted conditions. When an unlisted disease, injury, or residual condition is encountered, requiring rating by analogy, the diagnostic code number will be “built-up” as follows: The first 2 digits will be selected from that part of the schedule most closely identifying the part, or system, of the body involved; the last 2 digits will be “99” for all unlisted conditions. This procedure will facilitate a close check of new and unlisted conditions, rated by analogy. In the selection of code numbers, injuries will generally be represented by the number assigned to the residual condition on the basis of which the rating is determined. With diseases, preference is to be given to the number assigned to the disease itself; if the rating is determined on the basis of residual conditions, the number appropriate to the residual condition will be added, preceded by a hyphen. Thus, rheumatoid (atrophic) arthritis rated as ankylosis of the lumbar spine should be coded “5002–5240.” In this way, the exact source of each rating can be easily identified. In the citation of disabilities on rating sheets, the diagnostic terminology will be that of the medical examiner, with no attempt to translate the terms into schedule nomenclature. Residuals of diseases or therapeutic procedures will not be cited without reference to the basic disease.[41 FR 11293, Mar. 18, 1976, as amended at 70 FR 75399, Dec. 20, 2005]

§ 4.28   Prestabilization rating from date of discharge from service.

The following ratings may be assigned, in lieu of ratings prescribed elsewhere, under the conditions stated for disability from any disease or injury. The prestabilization rating is not to be assigned in any case in which a total rating is immediately assignable under the regular provisions of the schedule or on the basis of individual unemployability. The prestabilization 50-percent rating is not to be used in any case in which a rating of 50 percent or more is immediately assignable under the regular provisions.

   Rating
Unstabilized condition with severe disability—  
Substantially gainful employment is not feasible or advisable

100

Unhealed or incompletely healed wounds or injuries—  
Material impairment of employability likely

50

Note (1): Department of Veterans Affairs examination is not required prior to assignment of prestabilization ratings; however, the fact that examination was accomplished will not preclude assignment of these benefits. Prestabilization ratings are for assignment in the immediate postdischarge period. They will continue for a 12-month period following discharge from service. However, prestabilization ratings may be changed to a regular scheduler total rating or one authorizing a greater benefit at any time. In each prestabilization rating an examination will be requested to be accomplished not earlier than 6 months nor more than 12 months following discharge. In those prestabilization ratings in which following examination reduction in evaluation is found to be warranted, the higher evaluation will be continued to the end of the 12th month following discharge or to the end of the period provided under §3.105(e) of this chapter, whichever is later. Special monthly compensation should be assigned concurrently in these cases whenever records are adequate to establish entitlement.Note (2): Diagnosis of disease, injury, or residuals will be cited, with diagnostic code number assigned from this rating schedule for conditions listed therein.[35 FR 11906, July 24, 1970]

§ 4.29   Ratings for service-connected disabilities requiring hospital treatment or observation.

A total disability rating (100 percent) will be assigned without regard to other provisions of the rating schedule when it is established that a service-connected disability has required hospital treatment in a Department of Veterans Affairs or an approved hospital for a period in excess of 21 days or hospital observation at Department of Veterans Affairs expense for a service-connected disability for a period in excess of 21 days.(a) Subject to the provisions of paragraphs (d), (e), and (f) of this section this increased rating will be effective the first day of continuous hospitalization and will be terminated effective the last day of the month of hospital discharge (regular discharge or release to non-bed care) or effective the last day of the month of termination of treatment or observation for the service-connected disability. A temporary release which is approved by an attending Department of Veterans Affairs physician as part of the treatment plan will not be considered an absence.(1) An authorized absence in excess of 4 days which begins during the first 21 days of hospitalization will be regarded as the equivalent of hospital discharge effective the first day of such authorized absence. An authorized absence of 4 days or less which results in a total of more than 8 days of authorized absence during the first 21 days of hospitalization will be regarded as the equivalent of hospital discharge effective the ninth day of authorized absence.(2) Following a period of hospitalization in excess of 21 days, an authorized absence in excess of 14 days or a third consecutive authorized absence of 14 days will be regarded as the equivalent of hospital discharge and will interrupt hospitalization effective on the last day of the month in which either the authorized absence in excess of 14 days or the third 14 day period begins, except where there is a finding that convalescence is required as provided by paragraph (e) or (f) of this section. The termination of these total ratings will not be subject to §3.105(e) of this chapter.(b) Notwithstanding that hospital admission was for disability not connected with service, if during such hospitalization, hospital treatment for a service-connected disability is instituted and continued for a period in excess of 21 days, the increase to a total rating will be granted from the first day of such treatment. If service connection for the disability under treatment is granted after hospital admission, the rating will be from the first day of hospitalization if otherwise in order.(c) The assignment of a total disability rating on the basis of hospital treatment or observation will not preclude the assignment of a total disability rating otherwise in order under other provisions of the rating schedule, and consideration will be given to the propriety of such a rating in all instances and to the propriety of its continuance after discharge. Particular attention, with a view to proper rating under the rating schedule, is to be given to the claims of veterans discharged from hospital, regardless of length of hospitalization, with indications on the final summary of expected confinement to bed or house, or to inability to work with requirement of frequent care of physician or nurse at home.(d) On these total ratings Department of Veterans Affairs regulations governing effective dates for increased benefits will control.(e) The total hospital rating if convalescence is required may be continued for periods of 1, 2, or 3 months in addition to the period provided in paragraph (a) of this section.(f) Extension of periods of 1, 2 or 3 months beyond the initial 3 months may be made upon approval of the Veterans Service Center Manager.(g) Meritorious claims of veterans who are discharged from the hospital with less than the required number of days but need post-hospital care and a prolonged period of convalescence will be referred to the Director, Compensation and Pension Service, under §3.321(b)(1) of this chapter.[29 FR 6718, May 22, 1964, as amended at 41 FR 11294, Mar. 18, 1976; 41 FR 34256, Aug. 13, 1976; 54 FR 4281, Jan. 30, 1989; 54 FR 34981, Aug. 23, 1989; 71 FR 28586, May 17, 2006]

§ 4.30   Convalescent ratings.

A total disability rating (100 percent) will be assigned without regard to other provisions of the rating schedule when it is established by report at hospital discharge (regular discharge or release to non-bed care) or outpatient release that entitlement is warranted under paragraph (a) (1), (2) or (3) of this section effective the date of hospital admission or outpatient treatment and continuing for a period of 1, 2, or 3 months from the first day of the month following such hospital discharge or outpatient release. The termination of these total ratings will not be subject to §3.105(e) of this chapter. Such total rating will be followed by appropriate schedular evaluations. When the evidence is inadequate to assign a schedular evaluation, a physical examination will be scheduled and considered prior to the termination of a total rating under this section.(a) Total ratings will be assigned under this section if treatment of a service-connected disability resulted in:(1) Surgery necessitating at least one month of convalescence (Effective as to outpatient surgery March 1, 1989.)(2) Surgery with severe postoperative residuals such as incompletely healed surgical wounds, stumps of recent amputations, therapeutic immobilization of one major joint or more, application of a body cast, or the necessity for house confinement, or the necessity for continued use of a wheelchair or crutches (regular weight-bearing prohibited). (Effective as to outpatient surgery March 1, 1989.)(3) Immobilization by cast, without surgery, of one major joint or more. (Effective as to outpatient treatment March 10, 1976.)A reduction in the total rating will not be subject to §3.105(e) of this chapter. The total rating will be followed by an open rating reflecting the appropriate scheduler evaluation; where the evidence is inadequate to assign the scheduler evaluation, a physical examination will be scheduled prior to the end of the total rating period.(b) A total rating under this section will require full justification on the rating sheet and may be extended as follows:(1) Extensions of 1, 2 or 3 months beyond the initial 3 months may be made under paragraph (a) (1), (2) or (3) of this section.(2) Extensions of 1 or more months up to 6 months beyond the initial 6 months period may be made under paragraph (a) (2) or (3) of this section upon approval of the Veterans Service Center Manager.[41 FR 34256, Aug. 13, 1976, as amended at 54 FR 4281, Jan. 30, 1989; 71 FR 28586, May 17, 2006]

§ 4.31   Zero percent evaluations.

In every instance where the schedule does not provide a zero percent evaluation for a diagnostic code, a zero percent evaluation shall be assigned when the requirements for a compensable evaluation are not met.[58 FR 52018, Oct. 6, 1993] 

Title 38: Pensions, Bonuses, and Veterans’ Relief part 2

[41 FR 11292, Mar. 18, 1976]

§ 4.13   Effect of change of diagnosis.

The repercussion upon a current rating of service connection when change is made of a previously assigned diagnosis or etiology must be kept in mind. The aim should be the reconciliation and continuance of the diagnosis or etiology upon which service connection for the disability had been granted. The relevant principle enunciated in §4.125, entitled “Diagnosis of mental disorders,” should have careful attention in this connection. When any change in evaluation is to be made, the rating agency should assure itself that there has been an actual change in the conditions, for better or worse, and not merely a difference in thoroughness of the examination or in use of descriptive terms. This will not, of course, preclude the correction of erroneous ratings, nor will it preclude assignment of a rating in conformity with §4.7.[29 FR 6718, May 22, 1964, as amended at 61 FR 52700, Oct. 8, 1996]

§ 4.14   Avoidance of pyramiding.

The evaluation of the same disability under various diagnoses is to be avoided. Disability from injuries to the muscles, nerves, and joints of an extremity may overlap to a great extent, so that special rules are included in the appropriate bodily system for their evaluation. Dyspnea, tachycardia, nervousness, fatigability, etc., may result from many causes; some may be service connected, others, not. Both the use of manifestations not resulting from service-connected disease or injury in establishing the service-connected evaluation, and the evaluation of the same manifestation under different diagnoses are to be avoided.

§ 4.15   Total disability ratings.

The ability to overcome the handicap of disability varies widely among individuals. The rating, however, is based primarily upon the average impairment in earning capacity, that is, upon the economic or industrial handicap which must be overcome and not from individual success in overcoming it. However, full consideration must be given to unusual physical or mental effects in individual cases, to peculiar effects of occupational activities, to defects in physical or mental endowment preventing the usual amount of success in overcoming the handicap of disability and to the effect of combinations of disability. Total disability will be considered to exist when there is present any impairment of mind or body which is sufficient to render it impossible for the average person to follow a substantially gainful occupation; Provided, That permanent total disability shall be taken to exist when the impairment is reasonably certain to continue throughout the life of the disabled person. The following will be considered to be permanent total disability: the permanent loss of the use of both hands, or of both feet, or of one hand and one foot, or of the sight of both eyes, or becoming permanently helpless or permanently bedridden. Other total disability ratings are scheduled in the various bodily systems of this schedule.

§ 4.16   Total disability ratings for compensation based on unemployability of the individual.

(a) Total disability ratings for compensation may be assigned, where the schedular rating is less than total, when the disabled person is, in the judgment of the rating agency, unable to secure or follow a substantially gainful occupation as a result of service-connected disabilities: Provided That, if there is only one such disability, this disability shall be ratable at 60 percent or more, and that, if there are two or more disabilities, there shall be at least one disability ratable at 40 percent or more, and sufficient additional disability to bring the combined rating to 70 percent or more. For the above purpose of one 60 percent disability, or one 40 percent disability in combination, the following will be considered as one disability: (1) Disabilities of one or both upper extremities, or of one or both lower extremities, including the bilateral factor, if applicable, (2) disabilities resulting from common etiology or a single accident, (3) disabilities affecting a single body system, e.g. orthopedic, digestive, respiratory, cardiovascular-renal, neuropsychiatric, (4) multiple injuries incurred in action, or (5) multiple disabilities incurred as a prisoner of war. It is provided further that the existence or degree of nonservice-connected disabilities or previous unemployability status will be disregarded where the percentages referred to in this paragraph for the service-connected disability or disabilities are met and in the judgment of the rating agency such service-connected disabilities render the veteran unemployable. Marginal employment shall not be considered substantially gainful employment. For purposes of this section, marginal employment generally shall be deemed to exist when a veteran’s earned annual income does not exceed the amount established by the U.S. Department of Commerce, Bureau of the Census, as the poverty threshold for one person. Marginal employment may also be held to exist, on a facts found basis (includes but is not limited to employment in a protected environment such as a family business or sheltered workshop), when earned annual income exceeds the poverty threshold. Consideration shall be given in all claims to the nature of the employment and the reason for termination.(Authority: 38 U.S.C. 501) (b) It is the established policy of the Department of Veterans Affairs that all veterans who are unable to secure and follow a substantially gainful occupation by reason of service-connected disabilities shall be rated totally disabled. Therefore, rating boards should submit to the Director, Compensation and Pension Service, for extra-schedular consideration all cases of veterans who are unemployable by reason of service-connected disabilities, but who fail to meet the percentage standards set forth in paragraph (a) of this section. The rating board will include a full statement as to the veteran’s service-connected disabilities, employment history, educational and vocational attainment and all other factors having a bearing on the issue.

[40 FR 42535, Sept. 15, 1975, as amended at 54 FR 4281, Jan. 30, 1989; 55 FR 31580, Aug. 3, 1990; 58 FR 39664, July 26, 1993; 61 FR 52700, Oct. 8, 1996]

§ 4.17   Total disability ratings for pension based on unemployability and age of the individual.

All veterans who are basically eligible and who are unable to secure and follow a substantially gainful occupation by reason of disabilities which are likely to be permanent shall be rated as permanently and totally disabled. For the purpose of pension, the permanence of the per