Today, Brian Reese the VA Claims Insider reveals and explains the Ultimate Guide to the 35 Top Benefits for 100 VA Disability this year.
We’ve also compiled a complete list from A-Z of little-known 100 disabled veteran benefits for 2023 along with tips, strategies, and lessons learned so you know how to get them.
And we even took the time to order them by the level of importance (in our opinion) and the amount of benefit you can receive for you and/or your dependents.
In our experience helping more than 20,000 disabled veterans, we’ve discovered many veterans with a 100 percent VA disability rating don’t even realize the incredible benefits available to them at the federal-level, state-level, various non-profits, and everyday military and veteran discounts, among others.
This means you could be missing out on thousands of dollars of benefits you deserve for you and your family!
Okay, let’s deep-dive some of the top benefits available to veterans with a 100% VA disability rating.
- How Can I Qualify For a 100 Percent VA Disability Rating?
- List of the Top 35 Benefits for 100 VA Disability (2023)
- Want to Speak with a VA Claim Expert? It’s FREE!
- What are the Best 100 Percent Disabled Veteran Benefits?
- #1. VA Disability Compensation Pay at the Max Rate
- #2. Free VA Healthcare and Prescription Medications for 100 Disabled Veterans
- #3. Property Tax Exemption for 100 Percent Disabled Veterans
- #4. Dependents Educational Assistance (DEA) Benefits for 100% Disabled Veterans
- #5. CHAMPVA Health Insurance for the Dependents 100 Percent Disabled Veterans
- #6. 100 Percent Disabled Veteran Student Loan Forgiveness Program
- #7. Folds of Honor Educational Scholarships for Dependents of Disabled Veterans
- #8. VA Aid and Attendance or Housebound Program
- #9. Chapter 31 Vocational Rehabilitation and Employment Program (VR&E)
- #10. Special Monthly Compensation (SMC) Benefits for 100 Percent Disabled Veterans
- #11. FREE VA Dental Care for 100 Disabled Veterans
- #12. VA Home Loan Funding Fee Waiver for Disabled Veterans
- #13. VA Travel Pay and Reimbursement
- #14. Additional VA Disability Compensation for Dependents
- #15. Concurrent Receipt of VA Disability Pay and Military Retirement Pay
- #16. Total Disability Individual Unemployability (TDIU) Benefits
- #17. Special Restorative Training and Special Vocational Training
- #18. VA Burial and Plot Allowances
- #19. Military Base Commissary Privileges In-Person and Online
- #20. Disabled Veterans Life Insurance Program
- #21. Free Tax Preparation for Disabled Veterans
- #22. FREE Space A Travel for Disabled Veterans
- #23. Free Hunting and Fishing Licenses
- #24. Free Vehicle Registration and DV Plates
- #25. Veterans Benefits Banking Program (VBBP)
- #26. 100 Percent Disabled Veteran Preference for Federal Employment (10-Point Preference)
- #27. Direct Hire Authority for Federal Jobs
- #28. Free Entrance to National Parks for Disabled Veterans
- #29. Expedited Processing of Social Security Disability Benefits
- #30. 300+ Everyday Discounts for 100 Percent Disabled Veterans
- #31. VA Dependency and Indemnity Compensation (DIC)
- #32. VA Automobile Grant
- #33. VA Disability Housing Grants
- #34. VA Clothing Allowance
- #35. Free State Education Benefits for 100 Percent Disabled Veterans
- Want to Increase Your VA Rating? WE CAN HELP!
- Conclusion and Next Steps
- About the Author
How Can I Qualify For a 100 Percent VA Disability Rating?
To qualify for a 100 percent VA rating, you must either have one condition rated at 100%, or have one or more individual VA ratings increased, which will then increase your total combined rating to 95.00 or higher (rounds up to 100%).
If your conditions have worsened since you last applied and now qualify for a higher rating, you can submit a new claim on VA.gov by checking the box for an “increased evaluation.”
Further, you can always add new primary or secondary disabilities, but you’ll need to prove service connection.
Here’s the deal fellow veterans…
So many veterans are Stuck, Frustrated, and Underrated by the VA.
And we’re on a MISSION to change it so you and your family get the VA disability benefits you deserve for serving our country.
If you’re ready to increase your VA rating, maybe even to 100% if eligible by law, checkout my brand-new FREE video training for 2023:
“VA CLAIM SECRETS: Top 3 Strategies to WIN Your VA Claim, PROVE Service Connection, and INCREASE Your VA Rating in Less Time!”
[Former VA Raters] Reveal SECRET VA Claim Tips & Strategies for Veterans…
Click the red button below to watch the FREE training:
List of the Top 35 Benefits for 100 VA Disability (2023)
- #11. Free VA Dental Care
- #32. VA Automobile Grant
Want to Speak with a VA Claim Expert? It’s FREE!
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Here’s a few topics worth exploring on your FREE discovery call:
- Why VA claims are taking longer right now (2022-2023), and how you can speed-up your claim, even if you’ve already filed, been denied, or gave up.
- Why medical evidence is the #1 way to win your VA claim, to include how to get DBQs and Nexus Letters at reduced rates from private medical providers.
- Why many veterans ignore secondary claims for secondary service connection and service connection by aggravation, and how they can help you increase your VA rating.
Click the button below to book your FREE VA Claim Strategy Call:
What are the Best 100 Percent Disabled Veteran Benefits?
#1. VA Disability Compensation Pay at the Max Rate
Perhaps the very best benefit available to 100 percent disabled veterans is VA disability compensation pay. If you have a disability condition that was caused or made worse by your active-duty military service, you may be eligible to receive tax-free monthly compensation for life. Veterans can prepare and file their own VA disability compensation claim for FREE by opening a Notice of Intent to File on the VA.gov website for a VA disability increase or first-time filer. An “Intent to File” puts the VA on notice that you’re planning to file a VA claim, which is important because it sets an effective date for when you could start getting benefits while you prepare your disability claim and gather supporting documents (Note: Limited to 12-months of back pay from your Notice of Intent to File date, unless in an appeal situation). Click HERE to view the 2023 VA disability pay chart.
#2. Free VA Healthcare and Prescription Medications for 100 Disabled Veterans
This is one of the top 100 percent disabled veteran benefits, which includes free VA health care for disability conditions related to military service for veterans with a disability rating of at least 50%, as well as for those who can’t afford to pay for care. 100% disabled veterans receive completely free VA care, with services including but not limited to, emergency care, preventative care, primary care, specialty care, mental health services, home health care, dental and vision care, geriatrics and extended care, medical equipment, prosthetics, nursing home placement, medically related travel benefits, and hearing aids. Veterans can click here to learn more about how the VA determines healthcare costs and co-pays.
#3. Property Tax Exemption for 100 Percent Disabled Veterans
One of the top 100 percent VA disability benefits available is PROPERTY TAX EXEMPTIONS! While many states offer property tax exemptions for disabled veterans, did you know there are 18 states with full property tax exemptions for 100 percent disabled veterans? While not all 50 states offer the same tax breaks for disabled veterans, and the criteria to qualify for a waiver differs from state to state, it’s in your best interest to check with your state county tax assessor’s office to see if you qualify. You may be eligible to save thousands of dollars each year with this incredible state benefit due to reduced or no property taxes owed on your primary residence.
#4. Dependents Educational Assistance (DEA) Benefits for 100% Disabled Veterans
The VA Chapter 35 benefits program, also called Dependents Educational Assistance (DEA), provides education benefits and/or special restorative training for eligible dependents (children and spouse) and survivors of certain veterans and service members. Eligible dependents can receive up to 36 or 45 months of full-time or equivalent benefits for any of the following: College, technical, or vocational degree programs, independent study, online distance learning, or correspondence courses, high school diploma or GED programs, educational and career counseling programs, apprenticeships, on-the-job training, and/or career training certificate courses. Generally, a disabled veteran must be 100% P&T due to a service-connected disability for dependents to qualify. Click HERE to find out if you’re eligible for this incredible benefit for survivors and dependents of eligible disabled veterans.
#5. CHAMPVA Health Insurance for the Dependents 100 Percent Disabled Veterans
The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) is a health insurance benefits program in which the Department of Veterans Affairs (VA) shares the cost of certain health care services and supplies with eligible beneficiaries. Generally, CHAMPVA covers the cost of most healthcare services and supplies that are medically necessary for eligible beneficiaries. In a nutshell, if you’re 100 percent permanently and totally disabled by the VA, your dependents qualify for completely FREE civilian healthcare! This is an amazing benefit for 100% P&T disabled veterans. You must apply by mail, and it takes 12-16 weeks to process your application. Want to know if CHAMPVA is any good? Click HERE to learn more.
#6. 100 Percent Disabled Veteran Student Loan Forgiveness Program
The Disabled Veteran Student Loan Forgiveness Program discharges the Federal Student Loan Debt of 100 percent disabled veterans. It’s officially called the Total and Permanent Disability (TPD) discharge program and has been a huge success to date. And guess what else? A little-known fact is that if you’re a veteran with a 100 percent scheduler VA disability rating (neither P&T nor TDIU status apply to you), you’re also eligible for federal Disabled Veteran Student Loan Forgiveness! We’ve seen hundreds of fellow disabled veterans get their student loans COMPLETELEY discharged in under 30 days … Literally hundreds of thousands of dollars wiped clean overnight. Apply right now if you qualify!
#7. Folds of Honor Educational Scholarships for Dependents of Disabled Veterans
This benefit is a hidden-gem for the dependents of disabled veterans! The non-profit Folds of Honor foundation offers two exceptional educational scholarship programs for the dependents of disabled veterans. The Children’s Fund Scholarship (veteran must have a VA rating of 90% or 100%) serves K-12 students while the Higher Education Scholarship (must have a VA rating of 10% or higher) serves those seeking a first bachelor’s degree or a certification at a post-secondary institution. Both types of the Folds of Honor academic scholarships are based on “unmet need” as determined by documentation submitted by the awardee and can be valued up to $5,000 per dependent per school year. The funds can be used to cover tuition, fees, books, room and board, uniforms, etc. You must apply each year to receive the scholarship. Click HERE to learn more about Folds of Honor scholarship eligibility requirements.
#8. VA Aid and Attendance or Housebound Program
The VA Aid and Attendance or Housebound program is a VA Pension Benefit that helps cover the costs of daily living for housebound veterans and/or those in nursing homes. Aid and Attendance benefits are a form of Special Monthly Compensation added to the amount of a monthly pension for qualified Veterans and survivors. If the Veteran requires help with daily activities or he/she is housebound, click HERE now to learn more. Pro Tip: You can’t receive both Aid and Attendance and Housebound at the same time. You’ll need to pick one or the other.
#9. Chapter 31 Vocational Rehabilitation and Employment Program (VR&E)
The Chapter 31 Vocational Rehabilitation and Employment (VR&E) program, also known as “Voc Rehab,” is designed to assist veterans with service-connected disabilities to obtain suitable employment and/or achieve independent living goals. It consists of several application phases, involving tasks for both VR&E staff and Veterans to complete. A full list of Voc Rehab coordinators can be found HERE. Veterans can also get started with the VR&E process by contacting your local VA Regional Office.
#10. Special Monthly Compensation (SMC) Benefits for 100 Percent Disabled Veterans
VA Special Monthly Compensation, also known as VA SMC benefits, is additional tax-free compensation that can be paid to disabled veterans, their spouses, surviving spouses, and parents. For disabled veterans, VA Special Monthly Compensation is a higher rate of compensation paid due to special circumstances, such as the need of aid and attendance by another person or by specific disability. For example, the loss or use of a creative organ SMC-K, which is Erectile Dysfunction (ED) for men and Female Sexual Arousal Disorder for women. Pro Tip: Yes, you can apply for SMC online at VA.gov! Click HERE to view the 2023 VA SMC pay rates.
#11. FREE VA Dental Care for 100 Disabled Veterans
VA dental care services depend on several factors, such as your VA disability rating, service-connected dental disabilities, current home/living situation, etc. Based upon these factors, the VA places veterans into a “Benefits Class” and you’ll get the specific VA dental benefits (and priority) assigned to that class. Generally, a disabled veteran must have a 100% disability rating (not temporary or IU) to qualify for completely FREE VA dental care. Click HERE to learn more about FREE VA dental care eligibility for disabled veterans.
#12. VA Home Loan Funding Fee Waiver for Disabled Veterans
Disabled Veterans with a VA disability rating of 10% or higher qualify for a waiver of the VA home loan funding fee. Effective January 1, 2020, VA home loan funding fees range from 1.4% to 3.6% of the total loan amount (less any down payment). For example, let’s say a first-time veteran home buyer purchases a $300,000 home and makes a down payment of $15,000 (or 5% of the $300,000 VA home loan). You’ll pay a VA funding fee of $4,702.50, or 1.65% of the $285,000 loan amount. Note the funding fee applies only to the VA loan amount, not the purchase price of the home. So, if you’re a disabled veteran with a service-connected disability rating of 10% or higher, you are exempt from the VA home loan funding fee! Disabled veterans can check eligibility requirements HERE. Pro Tip: Veterans can download their VA Certificate of Eligibility form online, which shows the amount of benefit available to you.
#13. VA Travel Pay and Reimbursement
VA Travel Pay Reimbursement is for regular transportation, such as, car or POV, plane, train, bus, taxi, or light rail. You may be eligible for this reimbursement if you’re traveling for care at a VA health facility or for VA-approved care at a facility in your community, and at least one of the below descriptions is true for you. The current VA travel pay reimbursement rate is 41.5 cents ($0.415) per mile for approved, health-related travel. Pro Tip: Veterans can now file a travel pay claim and reimbursement online!
#14. Additional VA Disability Compensation for Dependents
Disabled veterans with a current VA disability rating of 30% or higher are eligible for an increase in monthly VA disability compensation to help support your family. Disabled veterans can apply online for free and add/remove dependents at any time on the VA.gov website inside their VA disability claim online application. The application typically takes 30 days or less to add or remove dependents. Sometimes the VA will call or write to verify your dependent status.
#15. Concurrent Receipt of VA Disability Pay and Military Retirement Pay
The Concurrent Retirement and Disability Pay (CRDP) program allows military retirees to receive both VA disability compensation pay, and military retirement pay. Generally, you must be a regular military retiree with a combined VA disability rating of 50% or higher to qualify for CRDP. Click HERE to learn more DFAS’s CRDP program for military retirees with a VA disability rating.
#16. Total Disability Individual Unemployability (TDIU) Benefits
VA Total Disability Individual Unemployability, sometimes referred to as TDIU, Individual Unemployability, or just IU, is an extra scheduler benefit for qualifying disabled veterans to be paid at the 100% VA disability rate, even if they are rated below 100 percent. Generally, you must be unable to maintain “substantially gainful employment” to qualify for TDIU. Click HERE to read more about VA TDIU eligibility and Frequently Asked Questions. Pro Tip: Did you know you might be able to qualify for TDIU at any VA disability rating?
#17. Special Restorative Training and Special Vocational Training
The VA may approve Special Restorative Training, if needed, to help the dependents of Chapter 35 benefit recipients to overcome or lessen the effects of a physical or mental disability so you can work toward your educational or training goal. Alternatively, the VA may approve Special Vocational Training to help dependents overcome a physical or mental disability.
#18. VA Burial and Plot Allowances
Surviving spouses and dependents may qualify for allowances to help pay for a veteran’s burial and funeral costs. You may be able to get Veterans burial allowances if you’re paying for the burial and funeral costs and you won’t be reimbursed by any other organization, like another government agency or the Veteran’s employer. If the Veteran died of a service connected disability ON or AFTER September 11, 2001, the maximum VA Burial Benefit Allowance is $2,000 or $1,500 for a Veteran who died of a service connected disability BEFORE September 11, 2001.
#19. Military Base Commissary Privileges In-Person and Online
Commissaries, Exchanges, and MWR facilities are now available in-person and online for disabled veterans with a service-connected VA rating between 0% and 100%, effective January 1, 2020. If you’re wondering “Are all disabled veterans eligible for in-person and online commissary, exchange, and morale, welfare and recreation privileges on military installations?” The answer is YES!
#20. Disabled Veterans Life Insurance Program
The Disabled Veterans Life Insurance program is a VA program that provides insurance for disabled veterans who have a service-connected disability rating from 0% to 100%. The basic program, commonly referred to as “RH Insurance”, insures eligible Veterans for up to $10,000 of coverage. Totally disabled veterans who are unable to work may apply for additional coverage of up to $30,000. Click HERE to review eligibility and application requirements.
#21. Free Tax Preparation for Disabled Veterans
The Volunteer Income Tax Assistance (VITA) program offers FREE tax help to disabled veterans who generally make $56,000 per year or less. IRS-certified volunteers provide FREE basic income tax return preparation with electronic filing to qualified individuals. Intuit Turbo Tax offers its online IRS Free File Program if you’re a disabled veteran with an Adjusted Gross Income (AGI) of $36,000 or less OR you qualify for the Earned Income Tax Credit (EIC). Click HERE to learn more about this free tax filing software for disabled veterans.
#22. FREE Space A Travel for Disabled Veterans
With the passage of the Disabled Veterans Access to Space-A Travel Act, disabled veterans with a service-connected 100% permanent and total disability rating can jump on any scheduled or unscheduled military flight within the continental United States under Category 6 operated by Air Mobility Command (AMC), subject to availability. Click HERE for the AMC official Space A travel page.
#23. Free Hunting and Fishing Licenses
Many states offer FREE hunting and fishing licenses for disabled veterans. Typically, you must have a 50% VA rating or higher; however, each state has different requirements. Click HERE to view the best VA benefits in your state.
#24. Free Vehicle Registration and DV Plates
Some states offer FREE motor vehicle registration and DV license plates for disabled veterans. Usually, you must have a VA rating of 50 percent or more; however, every state is different. Click HERE to view veteran benefits by state.
#25. Veterans Benefits Banking Program (VBBP)
Effective December 20, 2019, disabled veterans and their beneficiaries may use the Veterans Benefits Banking Program (VBBP) to identify and apply to open an account at a participating bank or credit union. Participating banks and credit unions are available to help disabled veterans and their families make finding a financial institution easier. The VBBP can ensure you get paid faster, safer, and with fewer fees.
#26. 100 Percent Disabled Veteran Preference for Federal Employment (10-Point Preference)
Veterans may be eligible to receive a 0, 5, or 10-point Federal hiring preference in competitive appointments. Veterans may be considered for special noncompetitive appointments for which only they are eligible by law. Click HERE to read more about Federal Hiring Preference for Veterans.
#27. Direct Hire Authority for Federal Jobs
A Direct-Hire Authority (DHA) is an appointing (hiring) authority that the Office of Personnel Management (OPM) can give to Federal agencies for filling vacancies when a critical hiring need or severe shortage of candidates exists. While Veterans preference does NOT apply when selecting individuals under DHA, in our experience, transitioning military members, veterans, and disabled veterans are often well trained and suited for Federal positions. Some Federal Agencies also offer Expedited Hiring Authority (EHA) for critically manned career fields, such as Defense Federal Acquisition positions.
#28. Free Entrance to National Parks for Disabled Veterans
Disabled veterans with a 100% permanent and total VA rating are eligible to receive FREE lifetime access to more than 2,000 federal recreation areas, including national parks, wildlife refuges, and forests. The completely free Military Pass is a way to thank America’s veterans, Gold Star Families, and current military and their dependents for their support of our country and to encourage them to explore recreational opportunities on their public lands and waters. Certain disabled veterans qualify for the Interagency Access Pass, which is a lifetime free pass for any veteran with a permanent disability. An Access Pass may also provide discounts for expanded amenities like camping, guided tours, etc. For more information visit USGS Store – Access Pass.
#29. Expedited Processing of Social Security Disability Benefits
Disabled veterans with a 100% permanent and total (P&T) VA disability rating may receive expedited processing of applications for Social Security Disability Benefits. The Social Security Administration (SSA) automatically identifies most veterans that meet the VA 100% Permanent and Total disability compensation rating. Although in rare instances a veteran may have to self-identify as meeting the rating and provide the VA notification letter as proof. You can apply online by clicking HERE.
#30. 300+ Everyday Discounts for 100 Percent Disabled Veterans
Okay, this one took us a long time, but we did it! “The Insider’s Guide to 300+ Revised and Expanded Everyday Discounts for 100 Percent Disabled Veterans!” We’ve also separated specific veteran discounts by product/service category to assist you in your search. Disabled veterans can potentially save thousands of dollars per year by taking full advantage of these great disabled veteran discounts listed HERE.
#31. VA Dependency and Indemnity Compensation (DIC)
If you’re the surviving spouse, child, or parent of a service member who died in the line of duty, or the survivor of a Veteran who died from a service-related injury or illness, you may be able to get a tax-free monetary benefit called VA Dependency and Indemnity Compensation (VA DIC). Click HERE to find out if you’re eligible for VA DIC benefits.
#32. VA Automobile Grant
Eligible disabled veterans can get a one-time payment of not more than $21,488.29 to help them buy a specially equipped vehicle. In some situations, one or more adaptive equipment grants may be available to help change a vehicle, so it has features like power steering, brakes, seats, windows, or lift equipment so you get into and out of the vehicle. Click HERE to find out if you’re eligible for a VA Automobile Grant.
#33. VA Disability Housing Grants
Disabled veterans may be able to get a Specially Adapted Housing (SAH) grant if you’re using the grant money to buy, build, or change your permanent home (a home you plan to live in for a long time) and you meet eligibility requirements. If you qualify for an SAH grant, you can get up to $101,754 for FY 2022. You may also qualify for a Special Home Adaptation (SHA) grant if you’re using the grant money to buy, build, or change your permanent home (a home you plan to live in for a long time) and you meet eligibility requirements. If you qualify for an SHA grant, you can get up to $20,387 for FY 2022. This is the current total maximum amount allowed for SHA grants. Finally, you may be able to get a Temporary Residence Adaptation (TRA) grant if you meet the requirements. If you qualify for an SAH grant, you can get up to $40,983 through the TRA grant program for FY 2022. If you qualify for an SHA grant, you can get up to $7,318 through the TRA grant program for FY 2022. Click HERE to check eligibility for all VA Disability Housing Grants.
#34. VA Clothing Allowance
Disabled veterans may be able to get a clothing allowance through the VA if your clothing has been damaged by your prosthetic or orthopedic device (such as a wheelchair) or by the medicine you’re taking for a skin condition. If it has, you may be able to get money each year to help you buy new clothes. This is a disability compensation benefit known as an annual clothing allowance. Eligible disabled veterans can get a clothing allowance of up to $891.00 per year. To check your eligibility, click HERE now.
#35. Free State Education Benefits for 100 Percent Disabled Veterans
Some states offer FREE college benefits to some veterans and the dependents of 100% disabled veterans. In Texas for example, the Hazelwood Act provides veterans, spouses, and dependent children with up to 150 hours of tuition free college at state schools. In the state of Florida, the Congressman C.W. Bill Young Tuition Waiver Program waives out-of-state tuition fees for all honorably discharged veterans who reside in the state and who are enrolled in Florida public, post-secondary institutions. Florida also provides scholarship opportunities for dependent children and spouses of veterans who died from a service-connected disability or who are rated 100% permanently and totally disabled by the VA. Click HERE to see if your state offers free education for disabled veterans.
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Conclusion and Next Steps
I hope you enjoyed this “Ultimate Guide” to the 35 Top 100 Percent Disabled Veteran Benefits for 2023!
We covered a TON of amazing 100 veterans disability benefits available to veterans with a 100% VA rating.
And now it’s on you to take action to secure them.
Knowledge becomes power through action, and I want you to get all the benefits you legally and ethically deserve for your honorable service to our country.
If you liked this blog post, please share it so we can help even more veterans secure the veteran benefits they’ve earned.
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About the Author
Founder & CEO
Brian Reese is a VA benefits expert, author of the #1 Amazon Bestseller You Deserve It: The Definitive Guide to Getting the Veteran Benefits You’ve Earned, and founder of VA Claims Insider – “The Most Trusted Name in Education-Based Resources for Veterans.”
His frustration with the 8-step VA disability claims process led him to create “VA Claims Insider,” which provides U.S. military veterans with tips, strategies, and lessons learned for successfully submitting or re-submitting a winning VA disability compensation claim.
Brian is also the CEO of Military Disability Made Easy, which is the world’s largest free searchable database for all things related to DoD disability and VA disability claims and has served more than 4,600,000 military members and veterans since its founding in 2013.
His eBook, the “9 Secrets Strategies for Winning Your VA Disability Claim” has been downloaded more than 300,000 times in the past three years and is the #1 rated free VA disability claims guide for veterans.
He is a former active duty Air Force officer with extensive experience leading hundreds of individuals and multi-functional teams in challenging international environments, including a combat tour to Afghanistan in 2011 supporting Operation ENDURING FREEDOM.
Brian is a Distinguished Graduate of Management from the United States Air Force Academy, Colorado Springs, CO and he holds an MBA from Oklahoma State University’s Spears School of Business, Stillwater, OK, where he was a National Honor Scholar (Top 1% of Graduate School class).