Colorado

Every Colorado county must run a veterans service office with a state-certified, VA-accredited service officer, paid from the county general fund, who helps any Colorado veteran or survivor file federal and state claims.

Veterans, survivors and others with a claim. Any Colorado resident veteran or survivor, or another person with a proper claim. No rating is needed.

Tuition plus room and board for dependents of prisoners of war, those missing in action, and Guard members killed or permanently disabled on state duty. It does not reach the child of a veteran with a federal disability rating, which is the usual misreading.

A qualifying event, not a rating. Eligibility flows from the parent being a prisoner of war or missing in action, or a Colorado National Guard member killed or permanently disabled on state active duty or authorized training duty, along with law enforcement officers and firefighters. A federal VA disability rating on the parent does not qualify a dependent, and the rating filter cannot test any of this.

At a 50% permanent service-connected disability, one vehicle is exempt from Colorado’s specific ownership tax and registration fees, worth several hundred dollars a year on a newer car. The statutes do not require the disabled veteran plate, but the plate has an extra medical test.

50% or more service-connected disability. Both exemption statutes require compensation for a 50 percent or more service-connected disability, or loss of use of one or both feet or hands, or permanent vision impairment constituting virtual blindness. The specific ownership tax exemption in 42-3-104(5) also requires the disability to be permanent; the registration fee exemption in 42-3-304(3)(a) has not since HB25-1076 took effect on August 6, 2025. The plate uses the same 50 percent figure without the permanence wording.

An honorably discharged veteran who establishes Colorado domicile gets in-state tuition immediately, with the one-year waiting period waived. Institutions must grant it to the veteran and may grant it to a dependent, which is why answers differ by campus.

Discharge and domicile, no rating. The veteran path requires an honorable discharge and establishing Colorado domicile under statute 23-7-103 for any length of time. No disability rating is involved, so the rating filter never hides this benefit.

A free annual pass to every Colorado state park at a 50% combined rating, or for a Purple Heart recipient. Apply once and renew each year, but only the Denver headquarters office can process the application.

Combined service-connected rating of 50% or more. The rating path requires compensation for a 50 percent or greater disability, and Colorado counts the combined rating where there are several.

Grants to Guard and Reserve families for income loss or emergency expenses during a mobilization of 30 days or more. Apply within six months of returning, one grant per deployment, and expect a wait: applications are reviewed monthly.

Current mobilization, not a rating. The grant requires current active duty of at least 30 days on overseas mobilization orders, Colorado residency for income tax purposes, and a resulting loss of household income or emergency expense. No disability rating is involved, and a veteran no longer serving is outside the program.

A $15,000 subtraction for military retired pay if the retiree is under 55, and the general pension subtraction of $20,000 or $24,000 at 55 and older. The under-55 provision exists because Colorado otherwise gives nothing to a retiree below 55.

Age, not rating, controls. Both subtractions turn on age at the end of the tax year and on receipt of military retired pay. No disability rating is involved, so the rating filter never hides this benefit.

Up to 100% of in-state tuition at 31 designated Colorado public institutions for a Guard member in good standing. Since July 1, 2026 it is a last-dollar waiver applied after all other aid, and it has to be reapplied for every single semester.

Guard membership and good standing. Eligibility rests on current membership in the Colorado Army or Air National Guard in good standing, completion of basic training and any required follow-on training, in-state residency established with the institution, and a semester-by-semester application. No disability rating is involved, so the rating filter never hides this benefit.

Fifty percent of the first $200,000 of a primary residence is exempt from property tax, at a 100% permanent rating or individual unemployability. Amendment G added unemployability for 2025, and since 2024 the application goes to the county assessor, not the state.

100% permanent service-connected rating. Colorado tests the rating two ways and either one is enough. One path is a service-connected disability VA has rated 100 percent and permanent.

A veteran indicator, a branch-of-service identifier, or both, added to a Colorado driver license or ID. Active duty members stationed outside Colorado also get a free three-year expiration extension, and spouses and dependents become eligible January 1, 2027.

Service documents, no rating. The indicator and identifier require a DD214 member 4 copy, a military identification card, or a common access card, presented in person. No disability rating is involved, so the rating filter never hides this benefit.

A free lifetime fishing license, or a lifetime fishing and small game combination, at a 50% service-connected disability, with the annual habitat stamp waived. Big game is not included.

Service-connected disability of 50% or more. The license requires proof of a 50 percent or greater service-connected disability and Colorado residency. The threshold used to be 60 percent, so a veteran denied under the old rule should apply again.

Five state long-term care homes at Aurora, Florence, Monte Vista, Rifle, and Walsenburg. Daily rates are published, and the veteran rate runs roughly $130 to $150 a day below the spouse rate because VA covers part of a veteran’s cost.

Honorable discharge and medical need. Admission requires an honorable discharge and medical criteria for the level of care sought. Spouses, widows, and Gold Star parents are eligible in their own right. No disability rating is required, so the rating filter never hides this benefit.

Five points for a wartime or campaign veteran, ten for a veteran receiving disability compensation, five for a surviving spouse, capped at ten in total. Colorado also requires comparable county and city systems to award the same points.

Receiving disability compensation, any compensable rating. The ten-point preference goes to a veteran receiving compensation for a service-connected disability. Colorado names compensation rather than a percentage, so any compensable rating reaches it, and this entry is gated at 10 percent to reflect the lowest compensable rating rather than a stated floor.

The chief judge of any Colorado judicial district may set up a treatment programme for veterans and members of the military; the statute sets no eligibility of its own, and each district writes its guidelines with probation, the district attorney and the public defender.

Veterans and current members. The statute names veterans and members of the military and leaves eligibility to each district. No rating is needed.

Colorado funds veteran emergency aid, transportation, and homelessness prevention through grants to organizations rather than payments to veterans. A veteran cannot apply, and has to find a funded organization instead, starting with a County Veterans Service Officer.

Organizations apply, veterans receive. Both grant programs award funds to qualifying nonprofits and governmental entities rather than to individual veterans. There is no rating or service test for a veteran because a veteran is not the applicant; the route in is a funded organization or a County Veterans Service Officer.

Set-aside big game licenses for members of the Wounded Warrior or Safe Harbor programs: 100 each of female deer, elk, and pronghorn, plus 100 for male deer, elk, and pronghorn combined. Eligibility is tied to being in treatment, not to a rating.

In a treatment program, not a rating. Eligibility requires current membership in the Wounded Warrior or Safe Harbor program, return from a post-September 11, 2001 overseas contingency operation, assignment to a military medical treatment facility at the time of application, and Colorado residency or assignment. No disability rating qualifies a veteran who no longer meets those conditions, and the rating filter cannot test them.

Colorado’s only state veterans cemetery, at Grand Junction, with no charge at all for interment. It is 250 miles from Denver, so most of the state’s veterans are served by Fort Logan National Cemetery instead.

National cemetery eligibility plus Colorado residency. Eligibility matches VA national cemetery rules with a Colorado residency requirement added, stated by the Army benefits library as residency at entry on active duty or at death. No disability rating is required, 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)
• Pension net worth limit, December 1, 2025, to November 30, 2026: $163,699 (read 2026-10-08)

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)
• SMC-R.2/T, veteran alone, effective December 1, 2025: $11,271.67 (read 2026-10-08)

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.