Cumberland County

The Cumberland County Register of Deeds records discharges free and gives free certified copies to authorised people, in a separate restricted index. Its list of who may ask leaves out the widow or widower in their own right.

Veteran, widow or widower, or authorised agent. No rating or fee. Copies go only to the people G.S. 47-113.2 authorises.

How Cumberland County runs the State's $45,000 disabled veteran homestead exclusion: form AV-9 with a certified NCDVA-9, filed in person or by mail by June 1. The tax page lists only "honorably discharged" veterans and gives no late filing route; the county veterans office certifies a surviving spouse on a Dependency and Indemnity Compensation award.

Permanent and total service-connected disability. The rating path is VA's certification of a permanent and total service-connected disability, as of January 1. A section 2101 adapted housing grant qualifies instead, and an unmarried surviving spouse qualifies on a service-connected death; the rating filter cannot test those.

Cumberland County's veterans service office files VA claims and appeals and signs the State's forms for veteran licence plates, the disabled veteran hunting and fishing licence and the property tax exclusion, by appointment only. Its burial page still prints the old $300 non-service-connected allowances.

Veteran, dependant or survivor. No rating or fee. The forms it signs have their own rating tests, set by the State.

A court programme, running since 2015, for service members and veterans charged with a crime who have mental or physical health problems, substance use or PTSD, with counselling and help with work, housing and benefits under court supervision.

Service member or veteran with a criminal case. No published discharge or rating test. The court decides who enters.

Cumberland County exempts a nonresident active-duty service member's vehicle and other personal property from county tax on the member's Leave and Earnings Statement, and a spouse's under the Military Spouses Residency Relief Act. The county's spouse form still requires the spouse to share the member's domicile, a test federal law dropped in January 2023.

Nonresident active-duty service member or spouse. The member must be on active duty here under orders with a domicile in another state. A spouse may use the member's domicile by election under 50 U.S.C. 4001(a)(3). No rating applies.

A retiree with five or more years of creditable service as of August 12, 1989 pays no North Carolina income tax on their federal or military retirement benefits. It comes from a court settlement rather than a tax break, and it has no service-length or rating condition.

Five or more years of creditable service as of August 12, 1989. The exemption turns entirely on having vested by that date. There is no disability rating test, no minimum career length, and no income test, so the rating filter never hides this benefit.

North Carolina counties may run a veterans services programme, affiliated with the State Department of Military and Veterans Affairs and partly paid for by it. Accredited service officers file and appeal VA claims and certify State benefits such as the property tax exclusion, free of charge.

Veteran, service member or family member in North Carolina. No rating, discharge or fee test. Each county decides whom its office serves, usually its own residents.

The first $45,000 of appraised value of the residence comes off the tax roll for a veteran certified permanent and total, or receiving a VA specially adapted housing grant. No income test, but it cannot be combined with any other property tax relief.

Permanent and total service-connected disability. The rating path is a VA certification of a service-connected disability that is permanent and total. A combined rating of 100 percent that is not certified permanent and total does not by itself satisfy the statute.

Every Register of Deeds in North Carolina has to record a military discharge and provide certified copies to the veteran free of charge. It is small, it is universal, and it solves the problem of a lost DD-214.

Possession of a discharge document. Any veteran with a discharge document may have it recorded and obtain free certified copies. No rating, fee, or deadline applies, so the rating filter never hides this entry.

In-state tuition rates for active duty members stationed in North Carolina and their dependents, for every National Guard member regardless of residence, and for a veteran using VA education benefits while living in the state, with no limit on time since discharge.

Assignment to North Carolina, Guard membership, or VA education benefits while living here. The paths are active duty assignment to a North Carolina installation and dependents of such a member, membership in the North Carolina National Guard, or use of covered VA education benefits while living in North Carolina under 38 U.S.C. 3679(c), with no limit on time since discharge since August 1, 2021. No disability rating is involved, so the rating filter never hides this benefit.

A lifetime hunting and fishing license for a resident veteran rated 50% or more, for a one-time nominal fee instead of an annual one. It stays valid for life, as long as the rating stays at 50% or above.

Service-connected rating of 50% or more. The license requires a VA rating of fifty percent or more and North Carolina residency. The license is lifetime in duration but stays valid only so long as the rating remains at 50 percent or above.

Military retired pay is fully deductible from North Carolina taxable income for a retiree with 20 or more years of service or who was medically retired, and for a Survivor Benefit Plan beneficiary of such a retiree. Effective from the 2022 tax year.

20 years of service, or medical retirement under 10 U.S.C. Chapter 61. The deduction tests length of service or the basis of retirement, not a disability rating percentage. A medically retired service member qualifies whatever their rating, and a 20-year retiree with no rating qualifies too. The rating filter never hides this benefit.

A state pension of $105 a month at 20 years of creditable service, rising $10.50 for each additional year to a $210 ceiling, from age 60, for a Guard member with 15 years in the North Carolina Guard. It is paid on top of federal reserve retired pay, but not to anyone drawing regular-component retired pay.

20 years of creditable service, 15 in the North Carolina Guard, and age 60. G.S. 127A-40: age 60 or older, 20 or more years of creditable service under the non-regular retirement test, at least 15 years in the North Carolina National Guard, an honorable discharge from it, and no regular-component retired pay. No disability rating is involved, so the rating filter never hides this benefit.

State law expressly allows a private employer to prefer a veteran for employment without it counting as unlawful discrimination. It also covers the spouse of an honorably discharged veteran with a service-connected permanent and total disability.

Veteran status, for the employer to apply a preference. The statute authorizes rather than requires a preference, and it tests veteran status rather than any disability rating. The rating filter never hides this entry.

A disabled veteran's vehicle altered with special equipment for a service-connected disability is exempt from North Carolina's vehicle property tax, if the veteran is entitled to VA automotive adaptive equipment. Apply to the county assessor on form AV-10V within 30 days of the date the tax is due. A 2025 bill to exempt any vehicle of a 100% rated veteran has not passed.

Entitled to VA automotive adaptive equipment, on an altered vehicle. The veteran must be entitled to special automotive equipment for a service-connected disability under 38 U.S.C. 3901, and the vehicle must be altered with special equipment. No rating percentage is tested, so the rating filter never hides this entry.

Eight academic semesters for the child of a wartime veteran who died of wartime service, is or was rated at least 20% for a wartime disability, received a Purple Heart, was a prisoner of war or is missing in action. The child has to be under 25 at application; awards are rationed to funds through 2027-2028, and new 2026-27 and 2027-28 awards go to in-state undergraduates.

Parent rated at least 20% for a wartime service-connected disability. Class II covers a veteran parent with a wartime service-connected disability of at least 20 percent but less than 100, living or at death; Class I-B covers 100 percent. That floor is low by the standards of survivor scholarships, and a family that assumed a higher threshold should look again.

Six dollars off a state park campsite per night for any veteran or service member, a discounted entrance fee at the Falls, Jordan and Kerr Lake recreation areas, and, since Session Law 2024-45, a free annual pass for a veteran with a service-connected disability.

Veteran status for the discount; a service-connected disability for the free pass. The camping and entrance discounts test veteran or military status only; the free annual pass needs an honorable or under honorable conditions separation and a VA-certified service-connected disability at any rating, or specially adapted housing. The rating filter never hides this benefit.

Four state veterans cemeteries, at Black Mountain, Jacksonville, Spring Lake and Goldsboro. Burial is free for a veteran discharged under honorable conditions, and since July 8, 2024 no North Carolina residency is required; a fee applies for a spouse or dependant.

Service ended under honorable conditions, or reserve retirement eligibility. G.S. 65-43: active service ended under honorable conditions (or death in service), with national cemetery eligibility or entitlement to reserve retired pay. The North Carolina residency test was repealed from July 8, 2024. No disability rating is involved, so the rating filter never hides this benefit.

Four open state skilled nursing homes, at Salisbury, Black Mountain, Kinston and Kernersville, with 449 beds; the Fayetteville home is closed for replacement. Two years of North Carolina residence before applying is required, wartime veterans go first, and up to a quarter of the beds are open to spouses, widows and Gold Star parents.

Active duty service, a discharge under honorable conditions, and two years of North Carolina residence. G.S. 143B-1298: active service other than for training, a discharge under honorable conditions, disability by age, disease or other reason on a home physician examination, and North Carolina residence for the two years immediately before applying. No disability rating is required, so the rating filter never hides this benefit.

A free VETERAN designation on a driver license or identification card with proof of an honorable discharge. An active-duty member stationed outside the state can renew a military-designation licence by mail twice, and a commercial licence test can be waived for recent military truck driving.

A discharge document. The designation requires a discharge document showing an honorable discharge. No disability rating is involved, so the rating filter never hides this benefit.

A free 100% Disabled Veteran plate, for a car and a motorcycle, at a 100% rating or individual unemployability paid at 100%, and a Partially Disabled Veteran plate below it at no extra fee. Legion of Valor (Medal of Honor), Ex-POW, Silver Star and Bronze Star with V plates are free too; Purple Heart and Gold Star plates carry no extra fee but pay the regular registration.

100% service-connected, for the free Disabled Veteran plate. The free 100% Disabled Veteran plate requires a combined rating of 100 percent, or individual unemployability paid at the 100 percent rate, shown on a VA letter no more than a year old. A veteran below 100 percent takes the Partially Disabled Veteran plate, which carries no additional fee.

Year-for-year credit for military service toward the experience a state job requires, up to four years of credit for unrelated service, and 10 preference points where a numerical score is used. Since October 1, 2026 every veteran discharged other than dishonorably qualifies, with no wartime test, and so does the spouse of an active-duty service member.

Active duty other than training, discharged other than dishonorably. G.S. 126A-5-14, from October 1, 2026: any veteran discharged under other than dishonorable conditions, the spouse of a disabled veteran, a deceased veteran's surviving spouse or dependant, an eligible Guard member, or the spouse of an active-duty service member. No rating is needed, so the rating filter never hides this benefit.

A higher VA pension for a veteran or survivor who needs another person’s help with daily living or is confined to the home. The yearly cap for a veteran alone is $29,093 with Aid and Attendance and $21,313 housebound.

• MAPR, veteran alone with Aid and Attendance, effective December 1, 2025: $29,093 a year (read 2026-10-08)
• MAPR, veteran alone, Housebound, effective December 1, 2025: $21,313 a year (read 2026-10-08)
• 1 more dated figure

Pension income and net worth. The person must qualify for Veterans Pension or Survivors Pension. Countable income must be under the MAPR and net worth under $163,699 (December 1, 2025, to November 30, 2026).

A free lifetime pass to national parks, wildlife refuges, national forests and other federal lands for every U.S. military veteran and Gold Star family, and a free annual pass for current members and dependents.

Veteran or Gold Star family. Any veteran, including Guard and Reserve; current members and dependents for the annual pass.

A one-time payment of up to $27,908.90 toward a vehicle, plus adaptive equipment such as hand controls and lifts, for service-connected loss of a hand or foot, severe vision loss, severe burns, or ALS.

• Automobile allowance, effective October 1, 2026: up to $27,908.90 (read 2026-10-08)

Qualifying loss. A service-connected loss or loss of use of a hand or foot, permanent bilateral vision impairment, a severe burn, or ALS. A combined percentage alone does not qualify.

A free gravesite, opening and closing, vault liner, headstone and perpetual care in a VA national cemetery for an eligible veteran, and for an eligible spouse or dependent child.

Eligible veteran or family member. Service and discharge rules for the veteran; spouse and dependent paths follow.

Health coverage for a spouse or child of a veteran who is permanently and totally disabled from a service-connected disability, or who died in service or from a service-connected disability.

Permanent and total disability. A living sponsor is generally a veteran whom VA rated permanently and totally disabled from a service-connected disability. Death in service and death from a service-connected disability are other paths.

Military pay earned in any month served in a combat zone is free of federal income tax, in full for enlisted members and warrant officers and up to the top enlisted rate plus hostile fire pay for officers.

Service in a combat zone. Service in a designated combat zone or qualified hazardous duty area.

A tax-free monthly payment to a military retiree, at any rating from 10%, that replaces retired pay lost to the VA offset for disabilities the service branch decides are combat-related.

Rated 10% or more. A VA rating of at least 10% for a disability the service branch decides is combat-related, plus military retired pay.

Shopping at military commissaries and exchanges, and MWR retail, for every veteran with a VA service-connected rating, Purple Heart recipients, former POWs and primary family caregivers, since January 1, 2020.

Any service-connected rating. Any VA service-connected rating, including 0%; Purple Heart, former POW and caregiver paths need none.

Lets a military retiree rated 50% or more receive retired pay and VA disability compensation at the same time, instead of having retired pay cut dollar for dollar.

Rated 50% or more. A combined service-connected rating of at least 50%, plus military retired pay.

A free copy of a DD-214 and other service records from the National Archives’ National Personnel Records Center, requested online or on Standard Form 180.

Monthly tax-free payment to a surviving spouse, child, or parent after a service-connected death, or in defined cases after the death of a totally disabled veteran.

• Surviving spouse basic monthly rate, effective December 1, 2025: $1,699.36 (read 2026-10-08)

Education and training help for a spouse or child of a veteran who is permanently and totally disabled from a service-connected disability, or who died in service or from a service-connected disability.

• Full-time monthly rate, October 1, 2026, to September 30, 2027: $1,621.00 (read 2026-10-08)

Sponsor status. One path is a veteran rated permanently and totally disabled from a service-connected disability. Death in the line of duty and death from a service-connected disability are other paths.

Asks the service branch’s Discharge Review Board or Board for Correction to upgrade a discharge, with liberal consideration for PTSD, TBI, sexual assault or harassment, and the repealed Don’t Ask, Don’t Tell policy.

Up to 9 more months of Post-9/11 GI Bill or Fry benefits, or $30,000, for a student finishing a STEM degree or clinical training who has 6 months or less of entitlement left.

100% level and nearly exhausted. The student must be at the 100% Post-9/11 or Fry level with six months or less of entitlement left.

Life insurance through the service member for a spouse, up to $100,000 and not more than the member’s SGLI, and $10,000 free for each dependent child.

Spouse or child of an SGLI-insured member. The service member must have full-time SGLI.

Three ways a federal agency can hire a veteran outside or ahead of normal competition: VEOA for merit promotion jobs, VRA up to GS-11, and noncompetitive appointment for a veteran rated 30% or more.

30% for the disabled veteran authority. The 30% authority needs a compensable service-connected rating of 30% or more; VEOA and VRA have no rating floor.

VA disability compensation, pension, DIC, education and grant payments are not federal taxable income, and retired pay replaced by a retroactive VA rating can be refunded.

Five or ten points added to a passing score, or priority in category rating, for a qualifying veteran applying for a federal competitive service job, with ten points for a service-connected disability.

Qualifying service and honorable conditions. A war, campaign, listed period, or a service-connected disability for 10 points.

A free government headstone or marker for the grave of an eligible veteran in any cemetery, or a medallion to fix to a privately bought headstone.

Eligible veteran or service member. Discharge other than dishonorable, with the service rules for the era.

Transitional housing with services, for up to about two years, from community agencies VA funds, for a homeless veteran.

Homeless veteran. The veteran must be homeless and eligible for VA health care or the program’s expanded criteria.

A HUD Housing Choice rental voucher paired with VA case management for a homeless veteran, with housing first and no sobriety or treatment precondition.

Homeless and low income. The veteran must be homeless and meet the public housing agency’s income limit.

Compensation at the 100% rate, $3,938.58 a month for a veteran alone, for a veteran whose service-connected disabilities keep them from holding a steady job, without changing the rating itself.

• Rate paid, veteran alone, effective December 1, 2025: $3,938.58 a month (read 2026-10-08)

Schedular rating gate. One disability at 60% or more, or a combined 70% with one disability at 40% or more. An extraschedular award below that is possible, so the filter uses the lowest schedular floor and does not hide the entry for an unanswered rating.

Free job search help from veterans’ employment specialists at American Job Centers, with priority of service for veterans and eligible spouses in every Labor Department-funded job program.

Veteran or eligible spouse. Any veteran or eligible spouse; DVOP services target listed barriers.

VA pays back the fees for a licensing or certification test, up to $2,000 a test, and for prep courses, out of GI Bill or DEA entitlement.

• Maximum reimbursement per test: $2,000 (read 2026-10-08)

Covered by a VA education benefit. Chapter 33, 30, 1606 or 35.

Up to 36 months of Post-9/11 GI Bill benefits at the 100% level for the child or surviving spouse of a service member who died in the line of duty after September 10, 2001.

Line of duty death after September 10, 2001. The service member must have died in the line of duty, or from a service-connected disability within the listed windows, on or after September 11, 2001.

A special monthly pension of $5,780 for each living Medal of Honor recipient, paid regardless of income or other benefits.

• Medal of Honor pension, effective December 1, 2025: $5,780 a month (read 2026-10-08)

Medal of Honor Roll. The recipient must be entered on the Medal of Honor Roll.

An honor guard of at least two uniformed members, one from the veteran’s branch, who fold and present the flag and play Taps, at the family’s request and at no cost.

Eligible veteran. Active duty or Selected Reserve service with a discharge other than dishonorable.

Free VA treatment for any physical or mental health condition related to military sexual trauma, without having reported it at the time and regardless of discharge status or length of service.

MST during service. Care is for conditions related to military sexual trauma. Discharge status and length of service do not bar it.

Up to 36 months of education payments, $2,601 a month for full-time school from October 1, 2026, for a veteran who paid $1,200 into the program during active duty.

• Full-time monthly rate, effective October 1, 2026: $2,601.00 (read 2026-10-08)

Service and contribution. Active duty after June 30, 1985, with the $1,200 contribution and the required service, or another listed category.

Up to 36 months of education payments, $508 a month full time from October 1, 2026, for a Guard or Reserve member with a six-year Selected Reserve obligation.

• Full-time monthly rate, effective October 1, 2026: $508.00 (read 2026-10-08)

Six-year Selected Reserve obligation. A six-year obligation in the Selected Reserve, and continued satisfactory participation.

A direct VA mortgage, from 2.47% fixed for 30 years when read, to buy, build or improve a home on federal trust land for a Native American veteran or a veteran married to a Native American.

• NADL interest rate, as posted: from 2.47% (read 2026-10-08)

Native American veteran on trust land. A Native American veteran, or a veteran married to one, buying on trust land of a tribe with a VA memorandum of understanding.

Expanded VA health care and presumptive disability compensation for veterans exposed to burn pits, Agent Orange, radiation and other toxins, with health care enrollment open to every eligible toxic-exposed veteran since March 5, 2024.

Covered service. Service in a location and period the PACT Act covers, plus the basic service and discharge rules for VA health care.

Education assistance tied to qualifying active duty after September 10, 2001. Often called the GI Bill or Chapter 33.

• Private and foreign school tuition cap, August 1, 2026, to July 31, 2027: $30,908.34 a year (read 2026-10-08)

Lets a service member with six years of service who agrees to four more transfer up to 36 months of unused Post-9/11 GI Bill benefits to a spouse or child.

Six years served, four more agreed. Must be requested while serving, with at least six years of service and a four-year added commitment.

An engraved certificate signed by the current President honoring a deceased veteran or reservist eligible for national cemetery burial, free to next of kin, family and friends.

Eligible for national cemetery burial. The veteran or reservist must have been eligible for burial in a national cemetery.

A monthly stipend, training, respite, mental health counseling and, in some cases, CHAMPVA health coverage for the family caregiver of a veteran rated 70% or more who needs in-person personal care.

Veteran rated 70% or more. The veteran must have a single or combined service-connected rating of 70% or more.

Free business training, counseling and loan guidance for veterans, service members and military spouses through Boots to Business and Veterans Business Outreach Centers.

Low-cost term life insurance of up to $500,000 for service members, at 5 cents per $1,000 a month plus $1 for traumatic injury coverage.

• Maximum coverage and premium: $500,000; 5 cents per $1,000 a month, plus $1 TSGLI (read 2026-10-08)

Serving member. Active duty, or Ready Reserve or Guard with scheduled drills, or another covered status.

Expedited Social Security disability claims for a service member disabled on active duty on or after October 1, 2001, and for a veteran rated 100% permanent and total by VA.

100% P&T, or disabled on active duty. A 100% P&T VA rating is one path to expedited processing; disability on active duty after September 30, 2001, is the other.

Extra earnings credited to a Social Security record for active duty from 1957 through 2001: $300 a quarter from 1957 to 1977, and $100 for each $300 of pay from 1978 to 2001, up to $1,200 a year.

• Military wage credit, 1978 to 2001: $100 per $300 of pay, up to $1,200 a year (read 2026-10-08)

Free seats left over on military aircraft for service members, retirees, Guard and Reserve members, their dependents, some surviving spouses, and veterans with a permanent service-connected disability rated as total.

Permanent total rating for veterans. A veteran who is not a retiree qualifies only with a permanent service-connected disability rated as total, and flies only within and between the continental U.S., Alaska, Hawaii, Puerto Rico, the U.S. Virgin Islands, Guam and American Samoa. Members, retirees, Guard and Reserve members and dependents have their own paths.

A higher or added monthly rate for a service-connected loss of a limb, an organ or its use, blindness, being housebound, or needing another person’s daily help. SMC-K adds $139.87 a month to any rating from 0% up.

• SMC-K, added monthly amount, effective December 1, 2025: $139.87 (read 2026-10-08)
• SMC-S, veteran alone, effective December 1, 2025: $4,408.53 (read 2026-10-08)
• 1 more dated figure

A specific service-connected loss. Each SMC level is set by a specific loss, or loss of use, or by the need for aid and attendance or being housebound. SMC-K is paid at any combined rating, including 0%.

Grants to build, buy or adapt a barrier-free home for a veteran with certain severe service-connected disabilities: up to $126,526 (SAH) or $25,350 (SHA) in fiscal year 2026, with temporary residence grants of $50,961 or $9,100.

• SAH maximum, fiscal year 2026: $126,526 (read 2026-10-08)
• SHA maximum, fiscal year 2026: $25,350 (read 2026-10-08)

Qualifying severe disability. A specific service-connected loss, loss of use, blindness, burn or other listed condition. A combined percentage alone does not qualify.

Grant-funded help, including temporary rent, deposits, utilities and case management, to keep a very low-income veteran family housed or rehouse it quickly.

Very low income. A very low-income veteran family under 38 C.F.R. part 62, homeless or at imminent risk.

A monthly annuity to a military retiree’s surviving spouse or child, generally 55% of the chosen base amount of retired pay, and automatic coverage for the survivors of a member who dies on active duty.

• Standard annuity for a spouse: 55% of the base amount (read 2026-10-08)

Retiree election or death on active duty. The retiree elected coverage at retirement, or the member died on active duty.

Needs-based monthly payment for a surviving spouse or child of a wartime veteran with limited income and net worth.

• MAPR, surviving spouse with no child, effective December 1, 2025: $11,699 a year (read 2026-10-08)

Income and net worth. Survivors Pension is needs-based. Income and net worth must fall under the current VA limits. Confirm the survivors pension rate chart.

A one-time payment of $25,000 to $100,000 to a service member with SGLI who suffers a scheduled traumatic loss, such as amputation, paralysis, blindness or an inability to perform daily activities.

• TSGLI payment range: $25,000 to $100,000 (read 2026-10-08)

SGLI-covered traumatic injury. SGLI coverage at the time of a traumatic injury that causes a scheduled loss.

Protects a civilian job, seniority and health coverage when a worker leaves for military service, for up to five years of cumulative service with one employer.

Civilian employee entering service. Covers employees who leave a civilian job for uniformed service and meet the notice and return rules.

A free U.S. flag to drape the casket or accompany the urn of an eligible veteran or reservist, given to the next of kin.

Eligible veteran or reservist. Service in a listed period or status with a discharge other than dishonorable.

Mileage at 41.5 cents a mile, less a $3 one-way deductible capped at $18 a month, for travel to VA or VA-approved care by a veteran rated 30% or more, traveling for a service-connected condition, on pension, or with low income.

• Mileage rate: 41.5 cents a mile (read 2026-10-08)
• Deductible: $3 one way, $6 round trip, $18 a month cap (read 2026-10-08)

Rated 30% or more, or another path. A 30% rating qualifies for all care. Travel for a service-connected condition, pension, low income and C&P exams are other paths below 30%.

Burial in a VA national cemetery, a government headstone or marker, and in some cases a burial allowance.

Money toward a veteran’s funeral and burial: up to $2,000 for a service-connected death after September 10, 2001, and $1,032 each for burial and plot for a non-service-connected death on or after October 1, 2026.

• Service-connected burial allowance, death after September 10, 2001: up to $2,000 (read 2026-10-08)
• Non-service-connected burial and plot allowances, death on or after October 1, 2026: $1,032 each (read 2026-10-08)

Paid the costs, not reimbursed. The claimant paid the burial costs, and the veteran was not dishonorably discharged and meets a service-connected or listed non-service-connected condition.

A VA-backed refinance of any existing mortgage, VA or not, that can take cash out of home equity, with a 2.15% funding fee on first use and 3.3% after.

• Cash-out refinance funding fee: 2.15% first use, 3.3% after (read 2026-10-08)

VA home loan eligibility. A valid Certificate of Eligibility and occupancy of the home.

A yearly payment of $1,053.19 for each qualifying item when a service-connected prosthetic or orthopedic device, or a prescribed skin medication, wears out or stains clothing.

• Clothing allowance, effective December 1, 2025: $1,053.19 (read 2026-10-08)

Service-connected disability. The device or medication must be for a service-connected disability. No percentage floor applies.

VA-paid care from a community provider when VA cannot see an enrolled veteran within 30 minutes’ drive and 20 days for primary or mental health care, or 60 minutes and 28 days for specialty care.

Enrolled in VA health care. The veteran must be enrolled in VA health care or otherwise eligible for VA care, and meet one of the six community care criteria.

Free comprehensive dental care for a veteran rated 100% or paid at the 100% rate for unemployability, or who is a former prisoner of war, with narrower classes for other veterans.

100% for full dental (Class IV). Full dental care needs a 100% schedular rating; individual unemployability and former POW status are other full-care paths, and narrower classes reach other veterans.

Monthly tax-free pay for an illness or injury VA decides is connected to military service.

Combined rating. VA assigns a combined rating from 0% to 100%. Monthly compensation generally starts at 10%. A 0% rating can still matter for health care and other benefits.

When VA decides a beneficiary cannot manage VA payments, it appoints a fiduciary to receive and manage them, and oversees that fiduciary.

Enrollment in the VA health care system. A disability rating can change priority and copays. It is not the only way in.

Enrollment. No single combined-rating minimum applies to everyone. A rating can change priority group and copays. Other enrollment paths exist.

Hearing aids, eyeglasses and contact lenses for an enrolled veteran with a compensable service-connected disability, a Purple Heart, former POW status, and other listed situations.

Compensable rating, or another listed path. A compensable (10% or more) service-connected rating is the most common path. Purple Heart, former POW and other listed paths have no rating floor.

No VA funding fee, which is otherwise 1.25% to 3.3% of a purchase loan, for a veteran receiving or entitled to VA compensation, a surviving spouse on DIC, a Purple Heart recipient on active duty, and a service member with a pre-discharge rating.

• Purchase funding fee, under 5% down, first use and after: 2.15% and 3.3% (read 2026-10-08)

Receiving or entitled to compensation. A compensable service-connected rating is the usual path. DIC surviving spouses and active-duty Purple Heart recipients are exempt without one.

A guaranty that helps an eligible veteran, service member, or some surviving spouses buy, build, or refinance a home with a private lender.

A streamline refinance of an existing VA-backed loan to a lower rate or from an adjustable to a fixed rate, with a 0.5% funding fee and usually no appraisal.

• IRRRL funding fee: 0.5% of the loan (read 2026-10-08)

Existing VA-backed loan. The loan being refinanced must already be VA-backed.

Mental health care from VA, including free emergency suicidal crisis care for any veteran and most former service members, whatever the discharge or enrollment status.

Discharge and enrollment. Routine care follows VA health care enrollment. Emergency suicidal crisis care does not need enrollment or a qualifying discharge.

Needs-based monthly payment for a wartime veteran with limited income who is 65 or older, or permanently and totally disabled.

• MAPR, veteran with no dependents, effective December 1, 2025: $17,441 a year (read 2026-10-08)
• Net worth limit, December 1, 2025, to November 30, 2026: $163,699 (read 2026-10-08)

Income and net worth. Pension is needs-based. Countable income must fall under the MAPR ($17,441 for a veteran alone from December 1, 2025) and net worth under $163,699.

Artificial limbs, wheelchairs, home oxygen, orthotics, mobility aids and home medical equipment for an enrolled veteran who needs them, prescribed by a VA clinician.

Enrolled and prescribed. The veteran must be enrolled in VA health care and the item prescribed by a VA clinician.

Up to $100 a month, and $1,200 over a lifetime, for tutoring in a course a GI Bill student is failing or at risk of failing.

• Tutorial assistance limit: $100 a month, $1,200 lifetime (read 2026-10-08)

Using VA education benefits at half time or more. The student must be using a VA education benefit at half time or more.

Free help with a VA claim from a VA-accredited Veterans Service Organization representative, or paid help from an accredited attorney or claims agent after an initial decision.

Tuition, housing and books for a non-degree high-tech training program, for a veteran or separating service member with 36 months of active duty, limited to 4,000 paid participants a fiscal year.

36 months of active duty. At least 36 months of active duty, a discharge other than dishonorable or within 180 days of separating, and under 62.

Free, confidential counseling at community Vet Centers for combat veterans, service members, survivors and families, kept apart from the VA medical record and open without VA health care enrollment.

Combat theater or listed service. The service member or veteran must meet one of the 38 U.S.C. 1712A service descriptions. No rating or enrollment is needed.

A free digital Veteran ID Card for proof of service at businesses, for a veteran with an honorable or general discharge, and a VA health ID card for enrolled veterans.

Honorable or general discharge. The VIC needs an honorable or general discharge; the VHIC needs VA health care enrollment.

Work support, and sometimes training, when a service-connected disability limits the work a veteran can do. Also called VR&E or Voc Rehab.

Service-connected rating. The basic published gate is a service-connected disability rating of at least 10%, plus an employment handicap. A memorandum rating is a separate path for some serious employment handicaps.

SBA certification that lets a veteran-owned or service-disabled veteran-owned small business compete for federal sole-source and set-aside contracts.

Any service-connected rating for SDVOSB. SDVOSB needs a service-connected disability at any rating, including 0%. VOSB needs no rating.

Guaranteed-acceptance whole life insurance of up to $40,000 for a veteran 80 or younger with any service-connected rating, including 0%, with no health questions.

• Maximum coverage: $40,000 (read 2026-10-08)

Any service-connected rating. Any service-connected rating qualifies, including 0%.

Paid part-time work on VA-related jobs at a school, VA facility or veterans’ organization for a student using VA education benefits at three-quarter time or more.

Three-quarter time or more. Enrolled at least three-quarter time and using a listed VA education benefit.

Renewable term life insurance of $10,000 to $500,000 after separation, converting SGLI. No health review if the application is in within 240 days.

Within 1 year and 120 days of leaving. A former SGLI-insured member applying within the window.

Mortgage life insurance of up to $200,000, paid to the lender, for a veteran under 70 who has received a Specially Adapted Housing grant.

• Maximum coverage: $200,000 (read 2026-10-08)

Specially Adapted Housing grantee under 70. The veteran must have received an SAH grant and apply before 70.

A federal tax credit to employers of up to $9,600 for hiring a qualified veteran, for hires who began work on or before December 31, 2025. The credit has expired for later hires unless Congress extends it.

Qualified veteran hired by December 31, 2025. A veteran in a WOTC target group who began work on or before December 31, 2025.

Covers private, out-of-state, foreign or graduate tuition above the Post-9/11 GI Bill cap, matched by the school, for a student at the 100% benefit level.

• Private and foreign tuition cap, August 1, 2026, to July 31, 2027: $30,908.34 (read 2026-10-08)

100% Post-9/11 level. The student must be eligible for the Post-9/11 GI Bill at the 100% level, and the school must take part.