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Moving abroad as a veteran raises many questions: Can I still receive VA disability? Will I have access to healthcare? What about education benefits for my family?
The good news is that most VA benefits, including disability compensation, healthcare, education, and burial benefits, are still available, though some require extra steps to access.
In this Insider’s Guide from VA disability expert Brian Reese, we’ll cover:
- How to receive VA disability while living overseas
- Healthcare access through the Foreign Medical Program (FMP)
- Using education benefits at VA-approved foreign schools
- VA burial benefits and other key programs for veterans abroad
- Vocational rehab, life insurance, home loan options, and CHAMPVA
- Important considerations like claim processing times and direct deposit delays
Whether you’re relocating permanently or just exploring your options, this article will help you maximize your VA benefits while living overseas.
Let’s begin!
Table of Contents
Summary of Key Points
- VA Benefits Are Still Available Overseas: Veterans living abroad can access most VA benefits, including disability compensation, healthcare, education assistance, and burial benefits. While some benefits function the same as in the U.S., others require additional steps, such as enrolling in the Foreign Medical Program (FMP) for healthcare coverage.
- VA Disability Compensation and Claim Processing Times: Veterans receiving VA disability compensation can still collect their monthly payments while living overseas. However, claim processing times may take longer, and while direct deposit is available, foreign banks may experience delays in releasing funds.
- Education and Healthcare Benefits for Veterans and Dependents: Veterans can use Post-9/11 GI Bill benefits at VA-approved foreign schools, but they must confirm eligibility before enrolling. Dependents covered under CHAMPVA can access medical benefits, though they may need to pay for services upfront and submit claims for reimbursement in U.S. dollars.
- Important Considerations for Veterans Living Abroad: Routine healthcare for non-service-connected conditions isn’t covered under the FMP, so veterans should explore local healthcare or private insurance options. VA claim reimbursements and processing times may be longer overseas, and veterans should regularly check VA updates and resources to stay informed about any policy changes that could affect their benefits.
VA Benefits Overseas: 8 Great Benefits Veterans Can Still Access While Living Abroad
#1. VA Disability Compensation
If you have a service-connected disability, you are entitled to monthly tax-free compensation, regardless of where you reside.
- The application process is the same for veterans living abroad, including submitting the VA Form 21-526EZ and supporting documentation online.
- Claims may take longer to process due to differences in medical systems and logistics overseas.
- Direct deposit ensures payments are delivered to your account, but foreign banks may experience slight delays in processing funds.
#2. Foreign Medical Program (FMP)
The Foreign Medical Program (FMP) provides healthcare coverage for veterans with service-connected disabilities who live or travel abroad.
- Enrollment Required: Register by completing VA Form 10-7959f-1 online or submitting it via mail or fax.
- What’s Covered:
- Doctor’s visits
- Hospital stays
- Physical therapy
- FDA-approved prescriptions
- Emergency and urgent care
- What’s Not Covered: Non-service-related conditions, experimental treatments, or care not recognized by the U.S. medical community.
- Claims for reimbursement can be submitted directly to the VA, but ensure all documentation is accurate and complete to avoid delays.
#3. Education Benefits
VA education benefits, including the Post-9/11 GI Bill, can be used at VA-approved foreign institutions.
- Approved schools allow you to receive tuition assistance and, in some cases, a housing allowance.
- Before enrolling, verify that the institution is recognized by the VA to avoid issues with funding.
- The VA website provides a list of approved foreign schools for your reference.
#4. Burial Benefits
Veterans living overseas are eligible for VA burial benefits to honor their service.
These benefits include:
- A government-furnished headstone or marker.
- A burial flag.
- Burial in a VA national cemetery if repatriated to the U.S.
Planning ahead is recommended to ensure proper coordination with local authorities and the VA.
#5. Vocational Rehabilitation and Employment (VR&E) Services
For veterans with service-connected disabilities, the VR&E program offers support to prepare for and maintain suitable employment or to achieve independent living goals.
- Veterans living abroad can access counseling and guidance remotely.
- Eligibility requirements remain the same, and your assigned VR&E counselor can help coordinate services tailored to your location.
#6. Life Insurance
VA life insurance programs remain accessible to veterans living overseas.
- These programs provide financial security for your loved ones.
- Whether you want to maintain or apply for a new policy, VA life insurance ensures that your family is protected no matter where you live.
#7. VA Home Loan Guaranty
While VA home loans are limited to properties in the U.S. and its territories, veterans abroad may still qualify under specific circumstances.
- If you’re considering property investment in the U.S. while living overseas, consult with a VA-approved lender for options.
- Veterans planning to eventually return to the U.S. can also use this benefit to prepare for repatriation.
#8. CHAMPVA
CHAMPVA benefits are available to veterans and their dependents living or traveling overseas, offering the same coverage as in the United States.
- Deductibles and cost shares remain the same, and all claim payments are made in U.S. dollars.
- You may need to pay for medical services up-front, but you can submit a claim for reimbursement once your expenses are approved.
- If you plan to use CHAMPVA while abroad, ensure you keep detailed records and receipts for a smooth reimbursement process.
Special Considerations for Veterans Living Overseas
- Access to Healthcare: Routine care for non-service-connected conditions isn’t covered under the FMP. Explore local healthcare options or private insurance to cover non-service-related needs.
- Longer Claim Processing Times: Expect potential delays when filing claims or receiving reimbursements. Keep detailed records and submit documentation promptly to minimize issues.
- Stay Updated: VA policies and benefits can change. Stay informed by regularly checking the veterans living abroad VA website or joining veterans’ organizations that support overseas veterans.
Conclusion & Wrap-Up
Living abroad doesn’t mean giving up the benefits you earned through your service.
Whether it’s disability compensation, healthcare through the FMP, or education benefits, the VA ensures that veterans living overseas remain supported.
With a proactive approach and careful planning, you can continue to access the resources you need—wherever in the world you call home.
If you need assistance navigating your VA benefits while living abroad, reach out for expert guidance.
Your service matters, so does your peace of mind, and we got your six!
VA Benefits Overseas: Frequently Asked Questions (FAQs)
Do I Lose My VA Benefits If I Move Overseas?
No, you do not lose your VA benefits when moving abroad. However, processing times for payments and claims may vary depending on the country and your financial institution.
Can Veterans Living Overseas Access VA Benefits?
Yes, veterans living overseas remain entitled to the benefits and services earned through their military service. Most VA benefits are available regardless of your location or nationality, including disability compensation, pension, education, training, health care, home loans, insurance, vocational rehabilitation, and burial benefits.
Can I Use a VA Loan to Buy a Home Overseas?
No, the Department of Veterans Affairs (VA) does not allow VA loans to be used for purchasing property outside the United States. The VA home loan program is exclusively designed to help veterans secure affordable financing for homes within the U.S. and its territories.
However, there is a workaround. Veterans can still use VA loan benefits to buy a home in U.S. territories, such as Puerto Rico, Guam, the U.S. Virgin Islands, and American Samoa. While technically considered “overseas,” these locations still qualify for VA-backed financing, allowing eligible veterans to live abroad while utilizing their VA home loan benefits.
What Should I Know About Direct Deposit for VA Payments Overseas?
Once your VA benefits are sent from the United States, their arrival in your account depends on the processing times of your foreign financial institution. While the International Treasury Services does not charge a currency conversion fee, your foreign bank may apply fees for handling international deposits.
Are Currency Conversion Fees Applied to VA Payments Overseas?
The VA’s International Treasury Services does not charge currency conversion fees for benefit payments sent to foreign banks. However, your financial institution may impose fees for converting and processing these payments.
How Do I Complete a VA Claim Exam (C&P Exam) Overseas?
The VA schedules claim exams as close to your overseas residence as possible. To ensure timely scheduling, you must provide your physical address and current contact information, such as your phone number and email address.
To update your details:
- Submit VA Form 21-4138 (Statement in Support of Claim) via VA.gov or Quick Submit.
- Keep your contact information accurate to avoid claim delays or denials.
- Missing a scheduled C&P exam or failing to update your address could negatively affect your claim.
Can Veterans Use Education Benefits at Foreign Schools?
Yes, eligible veterans can use education benefits to attend approved programs at foreign schools. To find an approved school:
- Visit the Foreign School Information for Students page.
- Use the WEAMS Institution Search Tool to explore foreign schools with VA-approved programs.
Ensure your chosen institution is VA-approved before enrolling.
What Is the Specially Adaptive Housing (SAH) Benefit for Veterans Living Overseas?
If you are a disabled veteran, you may qualify for an SAH grant to adapt your home for your disability. To use this benefit:
- You must have a substantial ownership interest in the home.
- Modifications must be pre-approved by the VA.
Visit the Specially Adaptive Housing page for eligibility criteria and how to apply.
How Do Veterans Access VA Healthcare Overseas?
Veterans living abroad can receive medical care for service-connected disabilities through the Foreign Medical Program (FMP).
- How to Enroll: Complete VA Form 10-7959f-1 online or submit it via mail or fax.
- Covered Services: Doctor visits, hospital stays, physical therapy, emergency care, and FDA-approved prescriptions.
- Not Covered: Care for non-service-connected conditions, experimental treatments, and travel expenses to receive care in the U.S.
For more information, visit the Foreign Medical Program page, which also lists regional toll-free phone numbers for assistance.
Can I Use CHAMPVA Benefits Overseas?
Yes, CHAMPVA provides coverage for eligible veterans and their dependents living or traveling overseas, offering the same benefits as in the United States.
However, there are some key differences in how it works internationally. Beneficiaries may need to pay for medical services upfront and then submit a claim for reimbursement. All claim payments are processed in U.S. dollars, and CHAMPVA does not cover currency conversion fees.
To file a claim, you must complete VA Form 10-7959a and submit it along with an itemized bill from your healthcare provider. While CHAMPVA can be used with most medical providers abroad, it is up to the beneficiary to verify whether the provider is familiar with CHAMPVA’s reimbursement process.
If you need more assistance, you can contact CHAMPVA Customer Service at 1-800-733-8387 or visit the VA website for more information.
Do 100% Disabled Veterans Overseas Qualify for Additional Benefits?
No, 100% disabled veterans living overseas are eligible for nearly the same federal benefits as those residing in the U.S. There are no additional benefits specific to living abroad.
Do I Lose My VA Benefits If I Move Overseas?
No, you do not lose your VA benefits when moving abroad. However, processing times for payments and claims may vary depending on the country and your financial institution.
What Should Veterans Living in the Philippines Know?
Veterans residing in the Philippines can access unique resources through the VA’s Philippines Regional Office. Visit the Philippines overseas page for more details about available services.
About the Author
Brian Reese
Brian Reese is a world-renowned VA disability benefits expert and the #1 bestselling author of VA Claim Secrets and You Deserve It. Motivated by his own frustration with the VA claim process, Brian founded VA Claims Insider to help disabled veterans secure their VA disability compensation faster, regardless of their past struggles with the VA. Since 2013, he has positively impacted the lives of over 10 million military, veterans, and their families.
A former active-duty Air Force officer, Brian has extensive experience leading diverse teams in challenging international environments, including a combat tour in Afghanistan in 2011 supporting Operation ENDURING FREEDOM.
Brian is a Distinguished Graduate of Management from the United States Air Force Academy and earned his MBA from Oklahoma State University’s Spears School of Business, where he was a National Honor Scholar, ranking in the top 1% of his class.
