Our Services
FAQ Recent News About VLG Contact Us VSO/VSR Resources

8070 La Jolla Shores Dr. #437 La Jolla, CA. 92037



It may be years since you left military service and as time passes, sometimes it can be hard to know what parts of your life are still affected by your sacrifices of service, and which ones are just part of civilian life. This is a very important question when it comes to evaluating your eligibility for veterans disability benefits, especially when you both have service-connected disabilities and non-service-connected ones.

Does having a non-service-connected disability preclude you from getting rated TDIU (Total Disability Individual Unemployability)? No, but it doesn’t get factored into the decision-making process. Let me explain.

TDIU is a determination of 100% disability through evaluation of certain disability ratings that are either individually or collectively above certain levels, and medical evidence of unemployability. In that determination process, the existence or degree of nonservice-connected disabilities or previous unemployability status will be disregarded. However, if the percentages referred to in the rules 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, then the TDIU will be approved.

Don’t just sit and wonder whether your disabilities qualify you for TDIU? Contact Veterans Law Group whose staff spends all their time helping veterans just like you, helping you and your family with legal assistance in navigating the VA disability benefits process.

To get started, simply fill out this questionnaire and submit to our office for evaluation. We will review your request for a consultation and contact you as soon as possible. Our consultations are free of charge.



Getting injured while serving your country usually happens quickly, but recovery and adjustment to any resulting disability is slow and painful at best. Trying to navigate the procedures for obtaining disability pay afterwards may just seem like one final hill too many. Maybe we can simplify things a bit.

Total Disability Individual Unemployability (TDIU) is a theory for getting a 100% disability rating if certain conditions are met. The first of those conditions is a specified percentage of disability rating, a percentage that can either be met directly with one service-connected disability with a 60% or more disability rating, or a combination of disability ratings that equal 70% or more. The math is a little complicated because sometimes you can add up lower percentage disability ratings into a single, higher rating for purposes of TDIU analysis. Here’s how the math works.

The law identifies five scenarios where multiple disabilities will be considered as one disability for TDIU purposes, either for one 60% disability or one 40% disability.


1 – Where there are multiple disabilities of one or both upper or lower extremities, they will be combined into a single disability rating. An example of this would be a left leg rated at 40% disability and left knee rated at 30% disability. These two disabilities should be combined for a single disability rating of 70% for purposes of TDIU.


2 – Where there are disabilities resulting from common etiology (common cause) or a single accident. For example, if a veteran has diabetes mellitus rated at 20% and peripheral neuropathy of left and right lower extremities associated with diabetes rated at 20% each, and all three disabilities have a common etiology of agent orange exposure, they must be combined into a single disability of 60% for purposes of TDIU evaluation.


3 – Where the disabilities affect a single body system, e.g. orthopedic, digestive, respiratory, cardiovascular-renal, neuropsychiatric. For example, nonunion of right tibia rated at 40% disability and right ankle ankylosis rated at 20% disability should be combined into a single disability of 60% for TDIU purposes.


4 – Where there are multiple injuries in action. Although the regulation does not define the term “action,” it likely means combat or combat-related action. For example, residuals of shell fragment wound to the right buttock for muscle injury rated at 20% disability, residuals of shell fragment wound to the left buttock rated at 20%, and residuals shell fragment gunshot wound of the left auxiliary area at 20% disability, must be combined into a single disability of 60 percent disability, for TDIU purposes.


5 – Where there are multiple disabilities incurred as a result of being a prisoner of war. Under this final provision, all service-connected disabilities at either 60% or 40% in combination meet the first requirement for TDIU.


Do you think you might be eligible for TDIU? Let Veterans Law Group help you wade through the process of figuring out if you are. VLG works extensively with veterans and their families, providing legal assistance in navigating the VA disability benefits process and helping you obtain the maximum benefits you may be entitled to receive.

To get started, simply fill out this questionnaire and submit to our office for evaluation. We will review your request for a consultation and contact you as soon as possible. Our consultations are free of charge.

You applied for disability benefits through the U.S. Department of Veterans’ Affairs and, after a long wait, you have finally received a favorable decision, granting you veterans’ disability benefits. This decision should include a Notification Letter and a Narrative, explaining the reasoning used to determine your benefits.

Disability Ratings Calculations

For any service-connected impairments, the VA should include a disability “rating” and explanation for each of the impairments listed in your decision, but what does it mean? How much compensation will you receive each month? Here are some answers.

Schedule for Rating Disabilities

The Rating assigned to your impairments is often the most confusing part of the decision.

The VA created the Schedule for Rating Disabilities to identify what % should be applied to each impairment. This schedule is intended to reflect the loss in earnings that you may experience because of your impairments. Ratings range from 0% to 100%.

The Schedule for Rating Disabilities lists impairments by body parts affected and conditions/issues. Each diagnosis within the group of issues has a list of symptoms that the VA Rater will compare to your symptoms and the evidence in your medical record, including your C&P exam. Your symptoms are then rated according to the requirements listed in the Schedule. The more severe your impairment is, the higher the disability rating will be.

For example, if you were experiencing symptoms of post-traumatic stress disorder (PTSD) as a result of your time in the service, you would find the section titled “Mental Disorders,” which includes PTSD, Depression, Anxiety, and MST. The table for PTSD indicates that if you have occupational and social impairment in most areas resulting from symptoms such as spatial disorientation and suicidal ideation, you would receive a 70% rating for this impairment. If you have reduced reliability and productivity as a result of occupational and social impairment, you would receive a 50% disability rating, and occasional decreases in work efficiency would equal a 30% disability rating.


Multiple Impairments

If you have multiple impairments, the VA will assign a separate disability rating to each one. Unfortunately, the VA does not add all of the ratings together when determining your overall disability rating. Instead, once all of the ratings have been assigned, the VA will use the Combined Ratings Table to determine the final rating.

The table has numbers on the left side and along the top. In order to calculate your combined rating (two impairments), you would take the first rating and find it on the left column of the table. Next, you would find your second rating in the top row of the table. The number that appears where the column and the row intersect will represent your combined rating.

If you have more than two disabilities, you would follow the steps, as stated above, for the first two impairment ratings. Once that number is determined, find the new number in the left column of the table and then find the third rating in the top row. The number that appears where this column and row intersect will represent the combined rating. This process would continue for the remaining disabilities. This combined rating is then rounded up or down to the nearest whole number. The highest overall disability rating is 100%.

If your disability is not listed in the Schedule, the VA will find a disability that is similar to your impairment and evaluate your disability based on the code for the related disability.



Monthly Compensation Rates

Monthly disability compensation amounts vary depending on your disability rating and the size of your family. Your family size is determined by your marital status, whether you have any children in the home, and whether you have any other dependents or family members.

How Are VA Disability Compensation Pay Rates Determined?

Increases in VA Service Connected Disability Rates are tied to Cost of Living Adjustments (COLA) determined by the Social Security Administration. The government uses these rates to determine the cost of living increases for Social Security recipients, retired military veterans, and federal civilian retirees.

You can review your compensation based on your disability rating and family size here. As an example, a veteran without dependents and with a 30% disability rating would receive $408.97 per month. A veteran with a 100% disability rating who has a spouse and child would receive $3,197.16 per month. This amount increases based on Cost of Living Adjustments.

What is a Service Connected Disability?

VA Disability Compensation is a tax-free benefit paid to a veteran who is suffering from injuries or diseases sustained as a result of active duty or was made worse because of active military service.

If you have a service-connected disability, then you may be able to receive compensation payments. Having a service-connected rating of  30% or higher, having dependents, if you have missing limbs, or if you have a disabled spouse increases your chances increases your chances of receiving additional compensation.


A Change in Your Family Status Can Change Your VA Disability Payment

You may be eligible to receive a higher VA disability payment if you have a disability rating of 30% or higher and you are also supporting qualified dependents such as a spouse, child, or parent. If you have a rating of 20% or lower, then a change in family status will not affect your VA disability payments.

You will need to inform the VA to any changes in your family status, e.g., a birth, wedding, divorce, a parent moving in with you, a child coming of age, or the death of a qualified dependent.

Sometimes the VA will backdate payments to make up for any shortfalls, or in the case of the loss of an eligible dependent, decrease your payments.

What If You Disagree With The Rating?

Impairment ratings are an important part of the decision because they ultimately control how much you will receive in benefits each month. For this reason, you should take your decision to your Veterans’ Service Officer (VSO) for review. At this time you can also seek the advice of an attorney. The VSO or attorney can review the decision, answer your questions about your benefits or the decision, and then help you determine if the Rating in your decision is an accurate representation of your impairments. If you do not agree with the VA’s determination, you have one year from the date on your decision to submit more evidence or file an appeal (Notice of Disagreement), if necessary.

Finding answers to your disability claims questions doesn’t have to be difficult. Take our free quiz today to determine what resources are available for your specific needs.