Dependency and Indemnity Compensation: The Invisible VA Benefit

In this post, we’re talking about dependency and indemnity compensation.

Why should I apply?

100% Permanent and Total Disability, or 100 p&t, this is one of the most unknown and overlooked exclusive VA benefits. Most of the 100% P&T Veterans only take advantage of the disability, based on the current stage of life they’re in. However, I would like to explain to you the benefit of looking into this option if you are rated 100%.

We see two different areas in which Veterans are in, and the steps they take for DIC have resulted. However, we would encourage anyone at 100% P&T to look into the program.

Between the ages of 25-45 may lean towards the educational benefits and their own state benefits that cater to the 100% disabled.

Between the ages of 46-65 may seek medical care from the VA for their dependents.

However, from age 65 and above, they’re planning ahead. But wait a minute! We’re all 100% disabled for a reason…right? Usually, that means your mental and or physical condition has deteriorated to the point of no return. So why isn’t the (DIC) our first priority?

At first, I too overlooked this benefit until USAA turned me down for an increase to my current life insurance policy because of my condition. I was taken back and confused as USAA has never told me “no” in over 20 years. As I learned about what it meant to be 100% disabled and the benefits that followed, I ran across this article from Chisholm, Chisholm & Kilpatrick CCK Law that introduced me to one of the most important benefits for individuals with significant others and or dependants.

What is DIC?


The Dependency Indemnity Compensation is a monthly monetary amount that your significant other and or remaining dependants can receive if and when you move on to bigger and better pastures…layman’s terms, you’ve gone to an eternal resting place.

You’ll die knowing that the loved ones you’ve left behind will still be able to maintain a household. Now, this benefit also applies to service members who’ve died in combat and or a veteran who died from a service-connected condition.

Eligibility


Here comes the red tape! Like most benefits, in order to qualify for them, it seems to be more of a hassle than making an effort to apply.

We’ve all dealt with it in some way shape or form…you know the ones that make you feel like you must have a left eye patch covering a glass eye,9 toes, 11 fingers and a peg leg that glows in the dark to be eligible. Well…this isn’t much different. For a spouse to qualify for this benefit, they must fall into the if, or, and the category.

If: Married before Jan 1, 1957

Or: Married within 15 years of discharge, married for at least one year, had a child with the veteran

And: Lived with the veteran continuously until death.

Or: If separated, you were not found at fault for the separation
And: You’re not currently remarried NOTE a surviving spouse who remarries after Dec 2003 AND is past the age of 57 can receive the benefit.

Then: You’re eligible!

See that wasn’t so bad…wait, did I lose you? Yeah, the and’s and or’s and if’s makes my head spin as well.

What’s the Compensation?


As of Dec 2017, the monthly compensation for a surviving spouse is $1,283.11, and any child under the age of 18 add an additional $317.87

When Should I Apply?


Immediately after the veterans death
Within 1 year of the veterans death

How long is the benefit good for?


This is a permanent monthly stipend unless the surviving spouse remarries before the age of 57

Hey, I get it. Not everyone’s a big fan of planning for their own death. That’s probably why this benefit sits on the shelf as low priority. However, is it worth weaving through the red tape to have that peace of mind in knowing your loved ones will have a little compensation to continue on once you’re gone?

USAA has put out my life insurance flame…time to have tough discussions with my own family about options.

Christopher Borum is apart of VA Claims Insider Team and a retired Air Force Disabled Veteran. You can contact him at [email protected]

📣 Want to help even more Veterans? Please CLICK AN ICON ABOVE and "SHARE" this post on Social Media! Thank You! 🚀

VA RATERS REVEAL
3 *SECRET*
VA CLAIM TIPS!

Hi Veterans, how would you like to learn 3 VA disability claim SECRETS from actual VA Rating Officials, aka, the people who determine your final VA rating?

Brian Reese here, USAF 100% disabled veteran, and founder of VA Claims Insider.

Part of the reason we call ourselves VA Claims “INSIDER” is because we get access to information that nobody else does…

In my brand-new 30-minute video training you’ll hear from “Actual VA Raters Who Reveal 3 VA Claim SECRETS (Learn What the VA Doesn’t Want You to Know…)”

Are you finally ready to get the VA disability rating and compensation YOU deserve?

Enter your email address below for immediate FREE access to the training:

Recent Posts

Follow Us

Easy VA Claims to Win!

How to File a Claim on VA.gov (step-by-step)!

How to Get a 100 Percent VA Rating (if deserved)!

Dear Veteran, here’s the brutal truth about VA disability claims:

According to our data, 8/10 (80%) of veterans reading this message right now are underrated by the VA…

This means you do NOT currently have the VA disability rating and compensation YOU deserve, and you could be missing out on thousands of dollars of tax-free compensation and benefits each month.

As a fellow disabled Veteran this is shameful and I’m on a mission to change it.

Brian Reese here, Air Force service-disabled Veteran and Founder @ VA Claims Insider.

Since 2016, VA Claims Insider has helped thousands of Veterans just like you get the VA rating and compensation they deserve in less time.

If accepted into our ELITE membership program, you’ll get free up-front access and permission to use $13,119 worth of proprietary VA claim resources, including access to our network of independent medical professionals for medical examinations, disability evaluations, and credible Medical Nexus Letters, which could help you get a HIGHER VA rating in LESS time.

It’s FREE to get started, so click “Go Elite Now” below to complete our 3-step intake process.

STEP #1: Complete Basic Information
STEP #2: Sign Members Agreement
STEP #3: Join the Mastermind Group

If you’re stuck, frustrated, underrated, and currently rated between 0%-90%, VA Claims Insider Elite is for you!

Click “Go Elite Now” below to get started today and a member of our team will be in touch within minutes.

*Website Disclaimer*

VA Claims Insider, LLC is NOT an accredited agent, VSO, attorney, or entity recognized by the Department of Veterans Affairs (VA) and is not affiliated with the VA in any way. VA Claims Insider, LLC does NOT assist veterans with the preparation, presentation, and prosecution of VA disability claims for VA benefits. Veterans shall prepare and file their own claim or work with an accredited representative, many of which offer services for FREE. Veterans may search for and appoint an accredited VSO by clicking HERE. Veterans may also search and find Accredited Attorneys and Claims Agents by clicking HERE. By using this website or VA Claims Insider, LLC’s Mastery or Elite program, you acknowledge that there are completely FREE services available to assist veterans with VA disability claims for VA benefits. Veterans always have the option to utilize the free services provided by entities such as National Service Organizations (e.g., DAV, VFW, AMVETS, American Legion, among many others), Service Organizations, State Sponsored Veteran Service Officers, and/or the paid services of VA accredited agents or attorneys. Utilization of VA Claims Insider, LLC’s website or services is NOT required to submit a claim for VA disability benefits, and you may achieve a positive VA disability claim outcome with these other free or paid organizations. Information listed on this website, including but not limited to, success percentages, disability rating increases, and processing timelines are averages and not specific to any one claim. VA Claims Insider, LLC MAKES NO GUARANTEE OF RESULTS BY USING THIS WEBSITE OR OUR SERVICES, AND YOUR INDIVIDUAL RESULTS MAY VARY. Under no circumstances does VA Claims Insider, LLC, provide medical or legal advice. This website is solely for marketing purposes and contains no medical or legal advice. The VA Claims Insider® name and logo are registered trademarks of VA Claims Insider, LLC.