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If you’re receiving Total Disability based on Individual Unemployability (TDIU), you might be wondering how secure your benefits are.
So, can TDIU permanent and total be taken away? The short answer: yes, but only in certain circumstances.
Understanding how the VA handles TDIU benefits can help you protect your compensation and prepare for what’s ahead.
In this post, we’ll break down what TDIU is, when it becomes permanent, how long it lasts, and what could cause it to be revoked.
Table of Contents
Summary of Key Points
- TDIU pays at the 100% VA disability rate even if your combined rating is less than 100%, if you can’t maintain substantially gainful employment due to a service-connected condition.
- TDIU can become permanent if your conditions aren’t expected to improve, but even permanent TDIU can be reduced in certain cases, such as fraud or if you sustain gainful full-time work for 12 months.
- TDIU benefits include CHAMPVA for dependents, employment assistance, and access to other VA programs when rated Permanent and Total.
8 Frequently Asked Questions About TDIU

Let’s take a closer look and answer these eight frequently asked questions surrounding TDIU:
- What is TDIU
- How Long Does TDIU Last?
- When Does TDIU Become Permanent?
- Can TDIU Permanent and Total be Taken Away?
- How Long Does VA Unemployability Last?
- At What Age Does VA Unemployability Stop?
- How Long Does a TDIU Claim Take?
- What are the Top TDIU Benefits?
1. What is TDIU?
Total Disability based on Individual Unemployability, or TDIU, allows you to receive VA compensation at the 100% disability rate (even if your combined VA rating is below 100%) if your service-connected condition prevents you from securing and maintaining substantially gainful employment.
In addition, ONE of these must be true:
– You have at least 1 service-connected disability rated at 60% or more disabling, or
– You have 2 or more service-connected disabilities, with at least 1 rated at 40% or more disabling and a combined rating of 70% or more
Even with a lower rating, TDIU might be possible if your condition puts you in the hospital frequently.
Note: The VA defines substantially gainful employment as competitive work that pays above the federal poverty level and is comparable to what nondisabled workers earn in the same job locally. Marginal jobs or sheltered work environments generally don’t count against TDIU eligibility.
Learn More: VA Individual Unemployability Fact Sheet
2. How Long Does TDIU Last?
TDIU can last for the rest of your life, but it depends on your condition and whether the VA believes you’re still unable to work.
It’s not automatically permanent when first granted; instead, it’s treated as non-permanent and monitored through periodic review.
During these reviews, the VA looks for signs that your condition has improved enough for you to return to substantially gainful employment.
3. When Does TDIU Become Permanent?
TDIU can become permanent when the VA determines that your service-connected conditions are unlikely to improve.
Signs your TDIU may be permanent:
– The VA states it’s permanent in your decision letter
– You’re no longer scheduled for routine medical exams
– You become eligible for Chapter 35 DEA benefits
Permanent TDIU makes your benefits more secure, but not completely protected from reduction.
Related Post: The Difference Between TDIU and 100 Percent VA Disability
4. Can TDIU Permanent and Total be Taken Away?
Yes, TDIU permanent and total (P&T) can be taken away, but only under specific conditions.
The VA can reduce or revoke your benefits if:
– You maintain substantially gainful employment for 12 consecutive months
– Your condition significantly improves, making you employable
– The original award was based on fraud or clear error
However, if you’ve had TDIU for 20 years or more, it’s protected under the VA’s 20-Year Rule, meaning it can’t be reduced unless fraud is proven.
5. How Long Does VA Unemployability Last?
VA Unemployability typically lasts indefinitely, as long as you’re unable to secure and maintain substantially gainful employment.
You can work marginal jobs (like part-time or below-poverty-level income), but full-time, well-paying work could trigger a review.
6. At What Age Does VA Unemployability Stop?
TDIU doesn’t automatically end at a certain age. You can receive TDIU into retirement, even past age 65, as long as you remain unemployable due to service-connected conditions.
7. How Long Does a TDIU Claim Take?
Most TDIU claims take several months to process.
However, timelines vary based on:
– The severity of your condition
– How quickly the VA collects medical and work history evidence
– Whether your application is complete and well-documented
Pro Tip: You can check your claim status at any time at VA.gov.
Related Post: How Long Does It Take to Get VA Unemployability?
8. What are the Top TDIU Benefits?
TDIU provides more than just monthly compensation at the 100% rate.
If your TDIU is Permanent and Total, you may also qualify for:
– CHAMPVA health coverage for eligible family members (covers medical care, prescriptions, and specialized treatment)
– Veteran readiness and employment services to help overcome work barriers and build new skills
– Access to other VA benefits, including education assistance and potential property tax relief (depending on your state)
Conclusion
While TDIU Permanent and Total status offers strong protections, it can still be taken away if you’re found capable of working or if fraud is discovered.
That said, most veterans retain TDIU benefits for life, especially if their conditions are stable and severe.
Staying informed and avoiding substantially gainful employment is key to maintaining your benefits long-term.
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Author

Kelly Olone
Kelly Olone is a military spouse who earned her degree in Psychology from Florida International University. After working in the non-profit sector for several years, she turned to her passion for writing. She aims to contribute to a better understanding of the valuable benefits that veterans deserve. As a mom, Kelly navigates the delicate balance between deadlines and bedtime stories with finesse.