Department of Veterans Affairs

Veterans Benefits Administration

Annual

Benefits

Report

Fiscal Year

2008

Making a difference
Our mission is to provide benefits 

and services to veterans and 

their families in a responsive, 

timely, and compassionate 

manner in recognition of their 

service to the Nation.

Purpose of this Report

The purpose of the Annual Benefits Report (ABR) 

is to clearly summarize the benefit programs delivered by VBA. 

This report is intended to accomplish the following:

a. Present a clear, complete, data-driven picture of the extent to 

which veterans and their dependents use these benefits; 

b. Provide insights into the nature of the benefits programs; 

c. Portray the economic impact of VBA programs on veterans, their 

families, the Federal government, and the Nation. 

Annual Benefits Report FY 2008
Veterans Benefits Administration Making a difference i

Table of Contents

Contributors

Compensation and Pension Service

Education Service

Insurance Service

Loan Guaranty Service

Vocational Rehabilitation and 

Employment Service

Table of Contents

1 Mission and Vision Statements and 

Core Values

1 Mission, Vision, and Values

2 Purpose and Overview

2	 Purpose of VBA’s Annual Benefits Report

3 Compensation and Pension

3	 Current Benefits

5 Quick Reference Guide

6 Data

7 Disability Compensation

19 Dependency and Indemnity Compensation

21 Disability Pension

23 Death Pension

25 Fiduciary Program

26 Education

26	 Current Benefits

26 Education Programs

29 Quick Reference Guide

31 Data

34 Education Enhancements

35 Insurance

35	 Current Benefits

36 Quick Reference Guide

38 Data
ii Annual Benefits Report FY 2008

Table of Contents

49 Loan Guaranty 

49 Program Objectives

49	 Current Benefits

50 Specially Adapted Housing Program (SAH) Enhancements

51 Quick Reference Guide

52 Data 

59 Vocational Rehabilitation and Employment

60 Vocational Rehabilitation and Employment Program 

Enhancements

61 Quick Reference Guide

62 Data

Appendices 

A1	 VBA Regional Office Mailing Addresses

B1 Contact VA by Phone

C1 Glossary

D1 Internet References

E1	 Summary of Fiscal Year 2008 Benefits

Index

F1 Index to Tables and Charts
Veterans Benefits Administration Making a difference 1Mission and Vision Statements and Core Values

VETERANS BENEFITS 

ADMINISTRATION

Mission and Vision 

Statements and 

Core Values

We are the Veterans Benefits Administration, one of the three 

Administrations forming the U.S. Department of Veterans Affairs 

(VA). We offer a wide range of benefits to our Nation’s Veterans, 

servicemembers, and their families.

Mission, Vision, and Values

Mission Statement

The mission of the Veterans Benefits Administration (VBA), in 

partnership with the Veterans Health Administration and the National 

Cemetery Administration, is to provide benefits and services to 

Veterans and their families in a responsive, timely, and compassionate 

manner in recognition of their service to the Nation.

Vision Statement

Our vision is that the Veterans whom we serve will feel that our Nation 

has kept its commitment to them; employees will feel that they are 

both recognized for their contribution and are part of something larger 

than themselves; and taxpayers 

will feel that we’ve met the 

responsibilities they’ve entrusted 

to us. Courage, honesty, trust, 

respect, open communication, and 

accountability will be reflected in 

our day-to-day behavior.

Core Values

 Veterans have earned our 

respect and are our reason 

for being, our common 

purpose. All our efforts are 

directed toward meeting 

their needs.

 We are committed to 

communicating with our 

Veterans and employees in 

a timely, thorough, accurate, 

understandable, and 

respectful manner.

 We listen to the concerns 

and views of Veterans and 

our employees to bring 

about improvement in 

benefits and services and

the climate in which they 

are provided.

 We value understandable 

business processes that 

consistently produce 

positive results.

 We foster an environment 

that promotes personal and 

corporate initiative, risktaking, and teamwork.

 We are open to change and 

flexible in our attitudes.

 Respect, integrity, trust, and 

fairness are hallmarks of all 

our interactions.

 We value a culture where 

everyone is involved, 

accountable, respected, 

and appreciated.

 We will perform at the 

highest level of competence, 

always, and take pride in 

accomplishment. 

 We are a “can do” 

organization. 
2 Annual Benefits Report FY 2008 Purpose and Overview

Purpose and Overview

Purpose of VBA’s Annual Benefits Report 

The Annual Benefits Report (ABR) clearly summarizes the benefit 

programs delivered by VBA, identifies the current level of program 

participation by eligible persons, and profiles the beneficiaries.

The report is intended to accomplish the following:

 Present a clear, complete, data-driven picture of the extent to 

which Veterans and their dependents use these benefits;

 Provide insights into the nature of the benefit programs;

 Portray the expenditures associated with VBA programs.

A complete discussion of VBA’s performance in administering 

these programs is contained in the Department’s Fiscal Year 2008 

Performance and Accountability Report, dated November 2008. 

The document can be accessed through this electronic link: 

http://www.va.gov/budget/report/. Program goals and objectives are 

detailed in VA’s annual performance plans. The VA Strategic Plan 

2006‐2011 can be found on the Department’s website: 

www.va.gov/op3.

Veterans Benefits Overview

The Veterans Benefits Administration is one of three administrations 

comprising the Department of Veterans Affairs. VBA is responsible for 

administering and delivering an array of federally authorized benefits 

and services to eligible Veterans and their dependents and survivors.

With annual expenditures over $40 billion, VBA programs have a 

sweeping impact not only on the Veteran community but also on the 

whole of American society. These are programs that touch millions of 

lives in fundamental ways. Benefits and services administered by VBA 

fall under five business lines: 

COMPENSATION AND PENSION 

EDUCATION 

INSURANCE 

LOAN GUARANTY 

VOCATIONAL REHABILITATION AND EMPLOYMENT

Veterans’ benefits represent 

an integral part of American 

history. Knowledge of benefits 

history is important for all 

those who are interested in a 

comprehensive understanding 

of what VBA does and why. 

A more general discussion 

of VA and Veterans’ benefits 

from a historical perspective 

can be found in VA Pamphlet 

80-97-2, VA History in Brief, 

September 1997. This pamphlet 

is on the VA Home Page: 

http://www1.va.gov/opa/ 

feature/history/index.asp. 

For the latest copy of the 

pamphlet entitled 

Benefits for Veterans 

and Dependents, go to: 

http://www1.va.gov/opa/vadocs/

current_benefits.asp.
Veterans Benefits Administration Making a difference 3Compensation and Pension

Compensation and Pension

Current Benefits

Compensation Based Upon Service-Connected Disability or Death

Disability compensation is a monetary benefit paid to Veterans 

with service-connected disabilities. “Service-connected” means 

the disability was a result of disease or injury incurred in or 

aggravated during active military service. To be eligible for disability 

compensation, the Veteran’s discharge must be under conditions 

other than dishonorable, and the disability must not be the result of 

willful misconduct by the Veteran.

Disability compensation is graduated according to the degree of the 

Veteran’s disability on a scale from 0% disabling to 100% disabling, in 

increments of 10%. Additional benefits are payable to Veterans with 

severe disabilities such as anatomical loss or loss of use of a hand or 

foot, blindness, or deafness. The most seriously disabled Veterans 

receive the highest benefit amounts, and less severely disabled 

Veterans receive lower amounts.

Dependency and Indemnity Compensation (DIC) is payable to the 

survivors of servicemembers who died while on active duty or 

Veterans who died from their service-connected disabilities. VA may 

also pay DIC benefits to survivors of Veterans continuously rated 

totally disabled due to service-connected disabilities for ten or more 

years immediately preceding the Veteran’s death or five years from 

the date of the Veteran’s discharge. DIC benefits may also be paid 

to the survivors of former prisoners of war who died after September 

30, 1999, and who were continuously rated totally disabled due to 

a service-connected disability for a period of not less than one year 

immediately preceding death. 

Surviving spouses and dependent children are potentially eligible 

for DIC benefits. An additional amount is payable if the Veteran was 

rated totally disabled for a period of at least eight years prior to death. 

For deaths prior to January 1, 1993, benefit rates are based on the 

Veteran’s military pay grade or the current monthly rate established by 

law, whichever is the greater benefit.

Parents of Veterans or servicemembers who die as the result of a 

service-connected disease or injury are also potentially eligible for 

DIC benefits. Parents’ DIC is a needs-based program for financially 

dependent parents.

A Note on the Data:

The 2008 Annual Benefits

Report combines data 

from the Veterans Benefits

Administration’s legacy 

Benefits Delivery Network

(BDN) and the corporate

database (VETSNET). As of

the end of Fiscal Year 2008, 

nearly 575,000 Veterans were 

paid compensation benefits via

BDN, while nearly 2.4 million

were paid through VETSNET,

a near reversal of 2007 data 

due to the conversion of 

Veterans’ records from BDN to

VETSNET. The most noticeable

effect of reporting data from 

VETSNET is in the number of

disabilities for which Veterans 

are service-connected. The 

BDN stored the six disabilities

with the highest evaluations, 

whereas the corporate 

database stores all disabilities 

for each Veteran. The tables 

containing information on the 

most prevalent disabilities 

by body system are the most 

affected by this change. 

Disabilities that are evaluated 

in higher numbers, but with 

lower evaluations now appear 

in some of the top three 

disabilities by body system 

lists in the charts on pages 14 

and 15.
4 Annual Benefits Report FY 2008 Compensation and Pension

Pension Based Upon Non Service-Connected Disability or Death

VA pension programs are designed to provide income support to 

wartime Veterans and their families who are experiencing financial 

hardship. The program is means-tested. The total family income from 

sources other than VA determines the amount of the benefit. Laws 

establish income limits and regulate the rates of payment.

Wartime Veterans who are age 65 and older or who are 

found permanently and totally disabled as the result of a 

non-service-connected disability may be eligible for a disability 

pension. Entitlement to this disability pension is subject to income 

limitations. Additional amounts may be paid to a Veteran who 

has dependents or who is so disabled as to require the aid and 

attendance of another person, or is housebound. Benefits are also 

paid under two protected or “grandfathered” prior pension programs. 

These rates and limits are fixed at the amounts in effect when the 

programs were closed to new claims.

Surviving spouses and dependent children of wartime Veterans are 

potentially eligible for death pension benefits, subject to income 

limitations. As with disability pension, death pension is paid under 

the current pension program as well as under the two “grandfathered” 

prior programs. 
Veterans Benefits Administration Making a difference 5Compensation and Pension

Quick Reference Guide

Beneficiaries who began receiving benefits 

(Compensation, Pension, DIC) during Fiscal Year 

2008 is 290,338 

Compensation – Disability 191,318

Compensation - Death 18,457

Pension - Disability 47,372

Pension - Death 33,191

Total Veterans receiving service-connected 

disability benefits end of Fiscal Year 2008 by 

period of service

World War II 273,973

Korean Conflict 156,839 

Vietnam Era 1,015,410

Gulf War Era 896,746

 Peacetime 609,314

Most prevalent service-connected disabilities for 

Veterans receiving compensation at the end of 

Fiscal Year 2008 

Tinnitus 558,232 

Hearing loss 519,834 

Scars, general 389,355 

Post traumatic stress disorder 344,758 

Diabetes mellitus 280,195 

Impairment of the knee, general 264,549 

Hypertensive vascular disease 254,804 

Traumatic arthritis 251,867 

Lumbosacral or Cervical Strain 198,039 

Limitation of motion of the ankle 191,077 

Number of Veterans and survivors receiving 

Compensation and Pension benefits at the end of 

Fiscal Year 2008 is 3,801,476 

2,952,282 Veterans received service-connected 

disability benefits

337,819 survivors received service-connected 

death benefits

315,763 Veterans received non service-connected 

disability benefits

195,612 survivors received non service-connected 

death benefits
6 Annual Benefits Report FY 2008

Compensation and Pension

Data

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits 

in Fiscal Year 2008

Benefit Program Number of People

Estimated Total Annual 

Amounts Paid 

Estimated Average 

Annual Amounts Paid 

Compensation–Disability 191,318 $1,384,925,862 $7,239

Compensation–Death1 18,457 $246,775,619 $13,370

Pension–Disability 47,372 $496,589,513 $10,483 

Pension–Death2 33,191 $233,890,300 $7,047 

Total 290,338 $2,362,181,294 $8,136

1Includes surviving spouses, children (not dependents on surviving spouse awards), and parents.

2Includes surviving spouses and children (not dependents on surviving spouse awards).

Summary of Active Compensation and Pension Benefit Accounts 

at the End of Fiscal Year 2008

Benefit Program Number of People

Estimated Total Annual 

Amounts Paid 

Estimated Average 

Annual Amounts Paid 

Compensation–Disability 2,952,282 $30,274,152,913 $10,254

Compensation–Death1 337,819 $4,640,955,524 $13,738 

Pension–Disability 315,763 $2,843,806,632 $9,006

Pension–Death 195,612 $849,311,292 $4,342

Total 3,801,476 $38,608,226,361 $10,156

1Dependency and Indemnity Compensation and Death Compensation.
Veterans Benefits Administration Making a difference 7Compensation and Pension

Disability Compensation

Veterans Who Began Receiving Disability Compensation by Combined Degree During 

Fiscal Year 2008

Combined 

Degree

Number of 

Veterans

Estimated Total 

Annual Amounts Paid

Estimated Average 

Annual Amounts Paid

0% 551 $766,284 $1,391

10% 53,374 $75,386,502 $1,412

20% 33,024 $92,793,912 $2,810

30% 26,368 $122,355,696 $4,640

40% 20,539 $138,422,796 $6,740

50% 14,513 $136,515,366 $9,406

60% 13,849 $167,923,620 $12,125

70% 10,031 $155,780,574 $15,530

80% 6,233 $112,772,658 $18,093

90% 2,927 $60,184,896 $20,562

100% 9,909 $322,023,558 $32,498

Total 191,318 $1,384,925,862 $7,239

Five Year Comparison of Combined Degree of Service-Connected Disabilities for Veterans

 Who Began Receiving Compensation

Combined Degree 2004 2005 2006 2007 2008

0% 434 504 505 521 551 

10% 42,555 46,264 47,667 52,949 53,374 

20% 29,765 31,347 30,989 33,702 33,024 

30% 20,031 22,898 23,264 25,851 26,368 

40% 14,934 17,311 18,234 20,748 20,539 

50% 10,230 11,880 11,745 14,004 14,513 

60% 7,961 9,736 10,229 13,009 13,849 

70% 6,087 6,863 6,879 9,316 10,031 

80% 2,949 3,733 3,847 5,580 6,233 

90% 1,322 1,671 1,718 2,384 2,927 

100% 7,913 8,145 7,728 9,653 9,909 

Total 144,181 160,352 162,805 187,717 191,318
8 Annual Benefits Report FY 2008

Compensation and Pension

Most Prevalent Service-Connected Disabilities for Veterans Who Began Receiving Compensation 

During Fiscal Year 2008

Disability Number of Veterans Percent of Total

Tinnitus 67,689 8.8%

Hearing loss 47,733 6.2%

Post traumatic stress disorder 30,481 4.0%

Lumbosacral or Cervical Strain 29,930 3.9%

Tendon inflammation 26,922 3.5%

Degenerative Arthritis of the Spine 24,570 3.2%

Limitation of flexion, knee 23,640 3.1%

Diabetes mellitus 22,306 2.9%

Scars, general 19,691 2.6%

Traumatic arthritis 18,068 2.4%

Total - Most Prevalent Disabilities 311,030 40.6%

Total - All Disabilities 766,237 100.0%

Total Number of Service-Connected Disability Benefits by Combined Percent of Disability for 

Veterans Receiving Compensation — End of Fiscal Year 2008

Combined 

Degree

Number of 

Veterans

Estimated Total 

Annual Amounts Paid

Estimated Average 

Annual Amounts Paid 

0% 13,318 $12,543,805 $942

10% 785,355 $1,110,526,794 $1,414

20% 439,194 $1,226,728,842 $2,793

30% 354,810 $1,686,268,134 $4,753

40% 289,071 $1,985,661,030 $6,869

50% 184,478 $1,782,942,012 $9,665

60% 214,201 $3,292,435,740 $15,371

70% 194,196 $4,433,558,089 $22,830

80% 139,417 $3,550,390,602 $25,466

90% 75,560 $2,120,822,635 $28,068

100% 262,682 $9,072,275,230 $34,537

Total 2,952,282 $30,274,152,913 $10,254
Veterans Benefits Administration Making a difference 9Compensation and Pension

Five Year Comparison of Service-Connected Disabilities by Body System 

for Veterans Who Began Receiving Compensation — by Fiscal Year

Body System 2004 2005 2006 2007 2008

Percent 

Change 

2007-2008*

Musculoskeletal System 164,297 194,331 206,588 270,949 286,625 5.8%

Impairment of Auditory 

Acuity 76,836 88,366 92,407 112,421 118,935 5.8%

Skin 36,955 41,161 41,882 78,068 80,737 3.4%

Neurological Conditions 28,922 33,602 34,222 53,142 58,003 9.1%

Mental Disorders 23,564 33,308 32,838 42,936 49,315 14.9%

Respiratory System 19,239 21,903 22,582 33,456 38,165 14.1%

Digestive System 19,078 21,281 20,932 32,621 34,344 5.3%

Cardiovascular System 28,315 26,577 23,762 31,142 30,630 -1.6%

Endocrine System 26,206 26,274 25,457 24,328 24,700 1.5%

Genitourinary System 12,884 14,670 14,828 22,214 24,539 10.5%

Eye 4,774 5,529 5,562 8,152 8,862 8.7%

Gynecological Conditions 2,487 2,670 2,951 3,920 3,917 -0.1%

Dental and Oral Conditions 1,616 1,868 1,823 3,236 3,649 12.8%

Hemic and Lymphatic 

Systems 1,822 1,814 1,545 2,018 2,136 5.8%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies 2,702 2,705 2,476 1,756 1,680 -4.3%

Total 449,697 516,059 529,855 720,359 766,237 6.4%

*Note: The percent change from 2007 to 2008 is used because of the database changes discussed on pg 3
10 Annual Benefits Report FY 2008 Compensation and Pension

Total Number of Veterans with Service-Connected Disabilities Receiving Compensation by 

Combined Percent - Five Fiscal Years

Combined 

Degree 2004 2005 2006 2007 2008

Percent Change 

2004-2008 

0% 15,313 14,750 14,291 13,790 13,318 -13.0%

10% 782,910 775,854 775,346 784,286 785,355 0.3%

20% 402,492 408,667 417,721 430,925 439,194 9.1%

30% 321,521 327,007 334,931 346,198 354,810 10.4%

40% 236,785 246,987 259,834 275,242 289,071 22.1%

50% 143,291 151,943 161,568 172,995 184,478 28.7%

60% 161,050 172,694 184,264 198,627 214,201 33.0%

70% 138,548 153,190 165,257 179,280 194,196 40.2%

80% 91,526 102,979 113,404 125,405 139,417 52.3%

90% 46,818 54,161 60,546 67,439 75,560 61.4%

100% 215,442 228,747 238,662 249,991 262,682 21.9%

Total 2,555,696 2,636,979 2,725,824 2,844,178 2,952,282 15.5%

Age of Veterans Who Began Receiving Service-Connected Compensation During Fiscal Year 2008

Age Number of Veterans Estimated Annual Payments Percent of Total 

34 and under 52,281 $326,602,196 23.6%

35 - 54 60,568 $465,210,016 33.6%

55 -74 64,796 $490,081,506 35.4%

75 and over 13,673 $103,032,144 7.4%

Total 191,318 $1,384,925,862 100.0%

Age of Veterans Receiving Service-Connected Compensation End of Fiscal Year 2008

Age Number of Veterans Estimated Annual Payments Percent of Total

34 and under 269,116 $1,784,941,679 5.9%

35 - 54 893,324 $7,717,081,676 25.5%

55 -74 1,269,305 $15,529,735,263 51.3%

75 and over 520,537 $5,242,394,295 17.3%

Total 2,952,282 $30,274,152,913 100.0%
Veterans Benefits Administration Making a difference 11Compensation and Pension

Total Individual Service-Connected Disabilities by Evaluation for 

Veterans Receiving Compensation End of Fiscal Year 2008

Evaluation Number of Disabilities

0% 3,590,887 

10% 4,136,051 

20% 1,007,060 

30% 706,506 

40% 241,977 

50% 231,630 

60% 157,541 

70% 124,465 

80% 11,942 

90% 3,602 

100% 246,735 

Total 10,458,396 

Note: Veterans in receipt of individual unemployability benefits are counted by their 

combined evaluation, not as 100% disabled.

Frequency of Individual Service-Connected Disabilities by Body 

System for Veterans Receiving Compensation End of Fiscal Year2008

Body System

Number of Disabilities

Total

Percent 

of Total 

Musculoskeletal System 3,888,519 37.2%

Impairment of Auditory Acuity 1,223,590 11.7%

Skin 1,163,815 11.1%

Neurological Conditions 851,270 8.1%

Mental Disorders 661,015 6.3%

Cardiovascular System 586,001 5.6%

Digestive System 596,229 5.7%

Respiratory System 471,128 4.5%

 Genitourinary System 350,401 3.4%

Endocrine System 315,051 3.0%

Eye 161,460 1.6%

Gynecological System 61,810 0.6%

Infectious Diseases, Immune Disorders, 

Nutritional Deficiencies 48,462 0.5%

Dental and Oral Conditions 47,506 0.5%

Hemic and Lymphatic System 32,139 0.3%

Total All Conditions 10,458,396 100.0%

The following tables organize 

information according to the 

number of service‐connected 

disabilities and their separate 

evaluations. A “zero percent” 

service‐connected disability 

rating means a disability exists 

and is related to the Veteran’s 

service, but is not so disabling 

that it entitles the Veteran to 

compensation payments.
12 Annual Benefits Report FY 2008 Compensation and Pension

Five-Year Comparison of Individual Service-Connected Disabilities by Body System for Veterans 

Receiving Compensation End of Fiscal Year

Body System 2004 2005 2006 2007 2008

Percent Change 

FY 2007-FY 2008*

Musculoskeletal System 2,786,986 3,002,239 3,173,080 3,691,871 3,888,519 5.3%

Impairment of 

Auditory Acuity 742,211 822,413 908,676 1,124,454 1,223,590 8.8%

Skin 778,521 799,131 818,377 1,091,036 1,163,815 6.7%

Neurological Conditions 581,442 521,970 573,812 782,573 851,270 8.8%

Mental Disorders 488,333 520,497 551,056 629,475 661,015 5.0%

Cardiovascular System 442,640 471,455 490,435 578,278 586,001 1.3%

Digestive System 452,307 457,934 464,479 572,625 596,229 4.1%

Respiratory System 334,866 347,190 360,943 440,470 471,128 7.0%

Endocrine System 217,126 247,324 276,094 324,490 350,401 8.0%

Genitourinary System 196,268 214,036 231,307 306,055 315,051 2.9%

Eye 117,256 121,443 125,770 155,032 161,460 4.1%

Gynecological Conditions 44,156 46,880 49,646 58,774 61,810 5.2%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies 46,045 45,076 44,369 50,147 48,462 -3.4%

Dental and 

Oral Conditions 31,114 32,211 33,327 43,982 47,506 8.0%

Hemic and 

Lymphatic Systems 24,996 25,988 26,980 31,319 32,139 2.6%

Total 7,284,267 7,675,787 8,128,351 9,880,581 10,458,396 5.8%

*Note: The percent change from 2007 to 2008 is used because of the database changes discussed on pg 3

The tables on the following pages identify the total 

number of service-connected disabilities grouped 

by body system. The percentages reflect the 

proportional amount that each rating represents 

for that body system. 

Total conditions on the following pages similarly 

reflect the proportional amount for each rating

group of all body systems, e.g. 39.6% of the total 

service-connected disabilities are rated at 10%.
Veterans Benefits Administration Making a difference 13Compensation and Pension

Total Service-Connected Disabilities for Veterans Receiving Compensation End of Fiscal Year 2008 by 

Percent and Body System

Rating Musculoskeletal System Auditory Skin Neurological Conditions

0% 1,056,709 27.2% 476,645 39.0% 817,386 70.2% 131,075 15.4%

10% 1,942,342 50.0% 639,892 52.3% 298,879 25.7% 454,621 53.4%

20% 499,855 12.9% 31,623 2.6% 4,838 0.4% 116,849 13.7%

30% 164,304 4.2% 24,466 2.0% 32,206 2.8% 72,558 8.5%

40% 125,570 3.2% 17,303 1.4% 1,955 0.2% 34,229 4.0%

50% 20,078 0.5% 10,657 0.9% 3,489 0.3% 17,004 2.0%

60% 50,140 1.3% 5,906 0.5% 4,325 0.4% 9,687 1.1%

70% 4,158 0.1% 3,640 0.3% 21 0.0% 2,738 0.3%

80% 1,494 0.0% 3,703 0.3% 479 0.0% 3,503 0.4%

90% 1,007 0.0% 1,388 0.1% 4 0.0% 470 0.1%

100% 22,862 0.6% 8,367 0.7% 233 0.0% 8,536 1.0%

Total 3,888,519 37.2% 1,223,590 11.7% 1,163,815 11.1% 851,270 8.1%

Rating Mental Disorders Cardiovascular Digestive System Respiratory System

0% 20,549 3.1% 123,282 21.0% 358,521 60.1% 231,930 49.2%

10% 108,127 16.4% 257,733 44.0% 158,872 26.6% 115,286 24.5%

20% 387 0.1% 51,533 8.8% 26,446 4.4% 5,799 1.2%

30% 167,033 25.3% 79,361 13.5% 29,341 4.9% 53,909 11.4%

40% 194 0.0% 15,050 2.6% 7,029 1.2% 1,206 0.3%

50% 126,589 19.2% 1,330 0.2% 954 0.2% 36,305 7.7%

60% 172 0.0% 37,285 6.4% 6,303 1.1% 13,442 2.9%

70% 111,591 16.9% 170 0.0% 170 0.0% 120 0.0%

80% 31 0.0% 54 0.0% 153 0.0% 176 0.0%

90% 5 0.0% 13 0.0% 0 0.0% 2 0.0%

100% 126,337 19.1% 20,190 3.4% 8,440 1.4% 12,953 2.7%

Total 661,015 6.3% 586,001 5.6% 596,229 5.7% 471,128 4.5%

Rating Genitourinary System Endocrine System Eye Gynecological System

0% 199,763 57.0% 8,329 2.6% 65,635 40.7% 24,755 40.1%

10% 37,357 10.7% 53,108 16.9% 41,313 25.6% 8,126 13.1%

20% 24,839 7.1% 228,929 72.7% 9,004 5.6% 137 0.2%

30% 24,733 7.1% 2,405 0.8% 29,398 18.2% 15,027 24.3%

40% 15,449 4.4% 15,654 5.0% 6,436 4.0% 497 0.8%

50% 28 0.0% 35 0.0% 2,125 1.3% 12,779 20.7%

60% 22,431 6.4% 3,926 1.2% 1,382 0.9% 128 0.2%

70% 6 0.0% 5 0.0% 1,610 1.0% 3 0.0%

80% 2,078 0.6% 6 0.0% 167 0.1% 36 0.1%

90% 0 0.0% 6 0.0% 706 0.4% 0 0.0%

100% 23,717 6.8% 2,648 0.8% 3,684 2.3% 322 0.5%

Total 350,401 3.4% 315,051 3.0% 161,460 1.5% 61,810 0.6%
14 Annual Benefits Report FY 2008 Compensation and Pension

Total Service-Connected Disabilities for Veterans Receiving Compensation End of Fiscal Year 2008 by 

Percent and Body System (continued)

Rating

Infectious Diseases, 

Immune Disorders, 

Nutritional Deficiencies

Dental and Oral 

Conditions

Hemic and Lymphatic 

Systems Total All Conditions

0% 37,971 78.4% 26,448 55.7% 11,889 37.0% 3,590,887 34.3%

10% 3,861 8.0% 14,208 29.9% 2,326 7.2% 4,136,051 39.6%

20% 889 1.8% 4,089 8.6% 1,843 5.7% 1,007,060 9.6%

30% 1,535 3.2% 1,906 4.0% 8,324 25.9% 706,506 6.8%

40% 599 1.2% 590 1.2% 216 0.7% 241,977 2.3%

50% 40 0.1% 205 0.4% 12 0.0% 231,630 2.2%

60% 2,025 4.2% 7 0.0% 382 1.2% 157,541 1.5%

70% 8 0.0% 3 0.0% 222 0.7% 124,465 1.2%

80% 55 0.1% 2 0.0% 5 0.0% 11,942 0.1%

90% 1 0.0% 0 0.0% 0 0.0% 3,602 0.0%

100% 1,478 3.0% 48 0.1% 6,920 21.5% 246,735 2.4%

Total 48,462 0.5% 47,506 0.5% 32,139 0.3% 10,458,396 100%

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Musculoskeletal System

Impairment of the knee, general 264,549 6.8%

Traumatic arthritis 251,867 6.5%

Lumbosacral or Cervical Strain 198,039 5.1%

Endocrine System

Diabetes mellitus 280,195 88.9%

Hypothyroidism 20,392 6.5%

Hyperthyroidism 6,215 2%

Impairment of 

Auditory Acuity

Tinnitus 558,232 45.6%

Hearing loss 556,079 45.4%

Otitis media, chronic (ear infection) 21,546 1.8%

Genitourinary System

Penile deformity (loss of erectile power) 99,053 28.3%

Malignant growths of genitourinary system 49,385 14.1%

Prostate gland injuries 40,212 11.5%

Skin

Scars, general 389,355 33.5%

Scars, superficial (tender) 172,748 14.8%

Eczema 159,510 13.7%
Veterans Benefits Administration Making a difference 15Compensation and Pension

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Eye

Vision in 1 eye 20/100, 20/70 or 20/50; 20/40 in other 16,697 10.3%

Conjunctivitis, chronic 12,744 7.9%

Unhealed eye injury 11,193 6.9%

Neurological

Paralysis of the sciatic nerve 171,525 20.1%

Migraine 132,873 15.6%

Paralysis of the median nerve 123,078 14.5%

Gynecological System

Removal of uterus 12,397 20.1%

Removal of uterus and both ovaries 11,833 19.1%

Benign growths of gynecological system or breast 6,328 10.2%

Mental Disorders

Post traumatic stress disorder 344,758 52.2%

Major depressive disorder 66,272 10%

Generalized anxiety disorder 55,759 8.4%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies

Malaria 32,556 67.2%

Chronic fatigue syndrome 3,898 8%

HIV-Related Illness 3,200 6.6%

Cardiovascular System 

Hypertensive vascular disease 254,804 43.5%

Residuals of cold injury 76,341 13%

Arteriosclerotic heart disease (coronary artery disease) 69,432 11.8%

Dental and Oral Conditions

Limited motion of the jaw 26,050 54.8%

Malunion of lower jaw 8,654 18.2%

Jaw condition - general 3,954 8.3%

Digestive System

Hemorrhoids 168,717 28.3%

Hiatal hernia 115,392 19.4%

Inguinal hernia 60,771 10.2%

Hemic and Lymphatic 

Systems

Splenectomy (removal of spleen) 7,223 22.5%

Anemia 6,704 20.9%

Non-Hodgkin's lymphoma 5,283 16.4%

Respiratory System

Bronchial asthma 70,531 15%

Allergic rhinitis 65,403 13.9%

Maxillary sinusitis 52,354 11.1%

(continued)
16 Annual Benefits Report FY 2008 Compensation and Pension

Most Prevalent Disabilities for Veterans Receiving Compensation End of Fiscal Year 2008

Body System Disability

Number of 

Veterans

All Conditions 

FY 2008 

(Percent of Total)

Impairment of Auditory Acuity Tinnitus 558,232 5.3%

Impairment of Auditory Acuity Hearing loss 519,834 5.0%

Skin Scars, general 389,355 3.7%

Mental Disorders Post traumatic stress disorder 344,758 3.3%

Endocrine System Diabetes mellitus 280,195 2.7%

Musculoskeletal System Impairment of the knee, general 264,549 2.5%

Cardiovascular System Hypertensive vascular disease 254,804 2.4%

Musculoskeletal System Traumatic arthritis 251,867 2.4%

Musculoskeletal System Lumbosacral or Cervical Strain 198,039 1.9%

Musculoskeletal System Limitation of motion of the ankle 191,077 1.8%

Total Veterans Receiving Service-Connected Disability Benefits End of Fiscal Year 2008

Period 

of Service

Number of 

Veterans

Estimated Total Annual 

Amounts Paid

Estimated Average 

Annual Amounts Paid

World War II 273,973 $2,627,612,238 $9,591

Korean Conflict 156,839 $1,571,234,485 $10,018

Vietnam Era 1,015,410 $13,757,989,123 $13,549

Gulf War 896,746 $7,218,392,201 $8,050

Peacetime Era 609,314 $5,098,924,866 $8,368

Total 2,952,282 $30,274,152,913 $10,254
Veterans Benefits Administration Making a difference 17Compensation and Pension

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2008

Period of Service Disability Number of Disabilities Percent of Total

World War II 

Hearing loss 55,393 9.0%

Tinnitus 39,466 6.4%

Residuals of cold injury 35,410 5.7%

Scars, general 25,920 4.2%

Post traumatic stress disorder 24,145 3.9%

Generalized anxiety disorder 21,245 3.4%

Traumatic arthritis 14,333 2.3%

Scars, superficial (tender) 13,835 2.2%

Flatfoot, acquired 11,293 1.8%

Scars, head, face or neck 9,843 1.6%

Korean Conflict

Hearing loss 41,488 11.3%

Tinnitus 33,940 9.2%

Residuals of cold injury 22,742 6.2%

Scars, general 15,300 4.2%

Post traumatic stress disorder 12,381 3.4%

Scars, superficial (tender) 7,905 2.2%

Traumatic arthritis 6,736 1.8%

Scars, head, face or neck 5,926 1.6%

Duodenal ulcer 5,834 1.6%

Impairment of the knee, general 5,081 1.4%

Vietnam Era

Diabetes mellitus 241,740 7%

Post traumatic stress disorder 229,682 6.6%

Hearing loss 210,816 6.1%

Tinnitus 188,654 5.5%

Scars, general 149,940 4.3%

Paralysis of the sciatic nerve 114,741 3.3%

Hypertensive vascular disease 80,353 2.3%

Penile deformity (loss of erectile power) 74,398 2.2%

Impairment of the knee, general 64,393 1.9%

Paralysis of the median nerve 55,022 1.6%
18 Annual Benefits Report FY 2008 Compensation and Pension

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2008

Period of Service Disability Number of Disabilities Percent of Total

Gulf War

Tinnitus 212,989 5.1%

Lumbosacral or Cervical Strain 140,275 3.3%

Scars, general 133,828 3.2%

Tendon inflammation 128,096 3.0%

Limitation of flexion, knee 126,363 3.0%

Traumatic arthritis 125,465 3.0%

Hearing loss 122,151 2.9%

Limitation of motion of the ankle 116,168 2.8%

Hypertensive vascular disease 114,947 2.7%

Impairment of the knee, general 110,249 2.6%

Peacetime Periods

Hearing loss 89,986 5%

Tinnitus 83,182 4.6%

Impairment of the knee, general 78,737 4.4%

Scars, general 64,367 3.6%

Traumatic arthritis 54,018 3.0%

Hypertensive vascular disease 52,346 2.9%

Limitation of motion of the ankle 38,351 2.1%

Hemorrhoids 37,881 2.1%

Condition of The Skeletal System 37,822 2.1%

Lumbosacral strain 35,887 2.0%

Service-Connected Disabilities at the End of Fiscal Year 2008 by Period of Service

Period

of Service World War II

Korean 

Conflict

Vietnam 

Era

Gulf 

War 

Peacetime 

Periods

Total Number of Disabilities 617,220 367,389 3,454,668 4,211,299 1,807,814 

Average Number of Disabilities per Veteran 2.3 2.3 3.4 4.7 3.0

Veterans Receiving Compensation 273,973 156,839 1,015,410 896,746 609,314 

Total Veteran Population 2,305,909 2,499,310 7,412,110 5,238,587 5,986,574

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2008 (continued)
Veterans Benefits Administration Making a difference 19Compensation and Pension

Dependency and Indemnity Compensation

Dependency and Indemnity Compensation (DIC) is

payable to survivors of servicemembers who died 

while on active duty or Veterans who died from their 

service-connected disabilities.

This section provides information about surviving 

spouses, children, and parents who received DIC 

during Fiscal Year 2008.

Total Beneficiaries Who Began Receiving DIC from Fiscal Year 2004- 2008

Type of Benefit 2004 2005 2006 2007 2008

Surviving Spouses 17,007 17,480 15,993 17,140 16,968 

Surviving Children 1,821 1,396 1,248 1,124 1,238 

Surviving Parents 291 286 220 226 251 

Total 19,119 19,162 17,461 18,490 18,457 

Source: Benefits Delivery Network CP-127.

Total Beneficiaries Receiving DIC by Relationship End of Fiscal Year 2008

Relationship Beneficiaries Number Percent

Surviving Spouse 320,966 95.0%

Child 11,726 3.5%

Parent 5,127 1.5%

Total 337,819 100.0%

Source: Benefits Delivery Network - COIN CP-127.

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2008

Age Number of Beneficiaries Estimated Annual Payments Percent of Total

35 and under 653 $8,841,975 3.8%

36 - 55 2,616 $36,467,683 15.4%

56 - 75 8,783 $123,656,283 51.8%

Over 75 4,916 $70,705,955 29.0%

Total 16,968 $239,671,896 100.0%

Source: Benefits Delivery Network - COIN CP-127.

Age of Children Who Began Receiving DIC Benefits in Fiscal Year 2008

Children’s Age Number of Beneficiaries Estimated Annual Payments

Under Age 181 573 $3,317,279

Age 18 and over in School 447 $2,324,060

Age 18 and over - Helpless 218 $772,636

Total 1,238 $6,413,975

Source: Benefits Delivery Network–COIN CP-127.

1Includes 173 consolidated awards that account for more than one child.
20 Annual Benefits Report FY 2008 Compensation and Pension

Total Beneficiaries Receiving Service-Connected Death Benefits by Period of Service 

End of Fiscal Year 2008

Period of Service

Number of 

Beneficiaries

Estimated Average Annual 

Amounts Paid

Estimated Total Annual 

Amounts Paid

Spanish American War 3 $8,796 $26,388 

Mexican Border 1 $13,092 $13,092 

World War I 693 $12,582 $8,719,644 

World War II 96,935 $13,788 $1,336,525,236 

Korean Conflict 36,422 $14,170 $516,087,504 

Vietnam Era 150,882 $13,786 $2,049,685,224 

Gulf War 18,458 $14,281 $259,744,920 

Peacetime Periods 34,425 $13,823 $468,884,640 

Total 337,819 $13,938 $4,639,686,648 

Source: Benefits Delivery Network–RCS 20-0221. 

Surviving Spouses Receiving DIC by Age End of Fiscal Year 2008

Age Number of Beneficiaries Estimated Average Annual Amounts Paid Estimated Annual Payment

35 and Under 3,384 $14,172 $47,956,580 

36 - 55 28,605 $14,172 $405,385,800 

56 - 75 130,139 $14,172 $1,844,328,128 

Over 75 158,838 $14,172 $2,251,052,592 

Total 320,966 $14,172 $4,548,723,100 

Source: Benefits Delivery Network - RCS 20-0221 and COIN CP-127.

Children Receiving DIC by Age End of Fiscal Year 2008

Age Number of Beneficiaries Estimated Average Annual Amounts Paid Estimated Annual Payment

Under Age 18* 3,910 $6,008 $23,491,489 

Age 18 and over 

— in School 372 $3,544 $1,318,442 

Age 18 and over 

— Helpless 7,444 $7,162 $53,311,844 

Total 11,726 $6,662 $78,121,775 

*Includes 1,945 consolidated awards that account for more than one child.

Source: Benefits Delivery Network – COIN CP-127.
Veterans Benefits Administration Making a difference 21Compensation and Pension

Disability Pension

Disability pension is payable to wartime Veterans 

who are age 65 and older or are determined 

permanently and totally disabled as the result of 

a non-service-connected disability. Disabilities for 

pension claims are evaluated in the same manner 

as disabilities for compensation claims (using the 

VA Schedule for Rating Disabilities in Title 38, U.S. 

Code of Federal Regulations, Part 4).

The category called “Other Pension Programs” 

consists of two older pension programs—“Old Law” 

and “Section 306.” While VA still pays benefits under

these programs, it does not accept new applications 

for them. If a beneficiary ever loses entitlement

to these older pension programs due to changes 

in eligibility criteria, the beneficiary must establish

entitlement to pension under the rules of the 

current program.

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2008

Type of Pension

Number of 

Veterans

Estimated Average Annual 

Amounts Paid

Estimated Total Annual 

Amounts Paid

PL 95-588

New Law Pension 47,364 $10,484 $496,583,122 

Other Pension Programs 8 $799 $6,391 

Total 47,372 $10,483 $496,589,513 

Source: Benefits Delivery Network–COIN CP 103.

Total Veterans Receiving Disability Pension End of Fiscal Year 2008

Type of Pension

Number of 

Veterans

Estimated Average Annual 

Amounts Paid

Estimated Annual 

Amounts Paid

Protected (Old Law)

Pension 76 $1,036 $78,708 

Section 306 Pension 5,958 $1,630 $9,714,096 

PL 95-588 

New Law Pension 309,729 $9,150 $2,834,013,828 

Total 315,763 $9,006 $2,843,806,632 

Source: Benefits Delivery Network—RCS-20-0221.
22 Annual Benefits Report FY 2008 Compensation and Pension

Disability Pension by Period of Service End of Fiscal Year 2008

Period 

of Service

Other Pension -

 Number of Beneficiaries

New Law Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated Annual 

Payments

World War II 3,474 84,323 87,797 $773,584,932

Korean Conflict 1,924 59,101 61,025 $410,318,604

Vietnam Era 636 159,200 159,836 $1,583,114,016

Gulf War 0 7,105 7,105 $76,789,080

Total 6,034 309,729 315,763 $2,843,806,632

Source: Benefits Delivery Network–RCS 20-0221.

Note: The “Other Pension” category groups the two older pension programs Protected Pension or Old Law and Section 306 Pension into 

one category.

Number of Veterans Who Began Receiving Disability Pension Benefits During Fiscal Year 2008 by Age

Age

Other 

Pension

New Law 

Pension

Combined 

Programs

Estimated 

Annual 

Payments

Percent 

of Total

35 and under 0 369 369 $3,883,627 0.8%

36 - 55 0 6,575 6,575 $69,297,153 20.3%

56 - 75 2 16,830 16,832 $177,101,718 37.0%

Over 75 6 23,590 23,596 $248,054,576 41.9%

Total 8 47,364 47,372 $498,337,074 100.0%

Source: Benefits Delivery Network - COIN CP-103.

Note: The “Other Pension” category groups the two older pension programs, Protected Pension (or Old Law) and Section 306 Pension, into 

one. Additionally, this category references entitlement restored.

Veterans Receiving Disability Pension End of Fiscal Year 2008 by Age

Age Number of Veterans Estimated Annual Payments 

Under 45 5,105 $55,217,664 

45 - 54 27,886 $289,828,644 

55 - 69 132,383 $1,300,706,508 

70 - 84 98,447 $708,269,064 

85 and over 51,942 $491,121,252 

Total 315,763 $2,845,143,132 

Source: Benefits Delivery Network - RCS 20-0236 Table 2, RCS 20-0238 Table 8. 
Veterans Benefits Administration Making a difference 23Compensation and Pension

Death Pension

The death pension program provides income support 

to surviving spouses and dependent children of 

wartime Veterans who are experiencing financial

hardship. Laws establish income limits and regulate 

the rates of payment. Death pension is paid under 

the current pension program as well as under the two 

“grandfathered” prior programs.

Beneficiaries Who Began Receiving Death Pension During Fiscal Year 2008 by Program 

Type of Pension

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

PL 95-588– New Law Pension 33,182 $7,048 $233,881,336 

Other Pension Programs 9 $996 $8,964 

Total 33,191 $7,047 $233,890,300 

Source: Benefits Delivery Network–COIN CP 103.

Total Beneficiaries Receiving Death Pension by Program End of Fiscal Year 2008

Type of Pension Number of Beneficiaries

Estimated Total 

Annual Amounts Paid 

Protected (Old Law) Pension 220 $163,668

Section 306 Pension 30,628 $32,752,200

PL 95-588 New Law Pension 164,764 $816,155,424

Total 195,612 $849,071,292

Source: Benefits Delivery Network–RCS 20-0221. 

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2008 by Age

Age

Other 

Pension*

New Law 

Pension

Combined 

Programs

Estimated Annual 

Payments

Percent of 

Total

35 and under 0 76 76 $535,681 0.2%

36 - 55 0 2,047 2,047 $14,428,157 6.2%

56 - 75 2 5,619 5,621 $39,607,176 16.9%

Over 75 7 25,440 25,447 $179,319,286 76.7%

Total 9 33,182 33,191 $233,890,300 100.0%

Source: Benefits Delivery Network - COIN CP-103.

*The “Other Pension” category groups the two older pension programs, Protected Pension (or Old Law) and Section 306 Pension, into one.

Additionally, this category references entitlement restored.
24 Annual Benefits Report FY 2008 Compensation and Pension

Surviving Spouses Receiving Death Pension End of Fiscal Year 2008 by Age

Age Other Pension* New Law Pension All Pension Programs Estimated Annual Payment 

35 and Under — 190 190 $982,862 

36 - 55 78 12,158 12,236 $62,948,689 

56 - 75 2,132 43,771 45,903 $227,951,974 

Over 75 19,655 104,252 123,907 $553,362,834 

Total 21,865 160,371 182,236 $845,246,359 

Source: Benefits Delivery Network - COIN CP-103.

*The “Other Pension” category groups the two older pension programs, Protected Pension (or Old Law) and Section 306 Pension, into one.

Additionally, this category references entitlement restored.

Death Pension by Period of Service End of Fiscal Year 2008

Period of Service

Other Pension - 

Number of Beneficiaries

New Law Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated 

Annual Payments

Wars of 1800s* 127 118 245 $948,096

World War I 3,412 3,718 7,130 $22,575,324

World War II 24,096 115,226 139,322 $579,031,032

Korean Conflict 2,727 24,487 27,214 $111,114,708

Vietnam Era 486 20,792 21,278 $135,587,244

Gulf War 0 423 423 $2,718,672

Total 30,848 164,764 195,612 $851,975,076

Source: Benefits Delivery Network–RCS 20-0221.

Note: The “Other Pension” category groups the two older pension programs Protected Pension or Old Law and Section 306 Pension 

into one category.

*“Wars of the 1800s” include the Civil War, Mexican Border Era, and Spanish-American War.
Veterans Benefits Administration Making a difference 25Compensation and Pension

Fiduciary Program

VA’s Fiduciary Program is responsible for protecting the benefits of

incompetent VA beneficiaries and ensuring that their welfare and needs

are met. Program responsibilities include selecting and monitoring a 

qualified fiduciary for the needs and situation of the beneficiary. This

section provides information about fiduciaries with VA beneficiaries.

Number of Beneficiaries by Payee Type

Payee Type Number of Beneficiaries

Veteran 66,761 

Surviving Spouse 14,692

Adult Disabled Child 18,756

Minor Child 2,937

Dependent Parent 115

Total 103,261 

Source: COIN DOOR 7009.

Benefits Paid by Benefit Program

Benefit Program/ 

Payee Category

Estimated Average 

Annual Amounts Paid 

Estimated Total 

Annual Amounts Paid 

Compensation–Disability $31,861 $1,061,060,484 

Compensation–Death $10,078 $107,733,744 

Pension–Disability $8,742 $217,111,924 

Pension - Death $4,163 $97,167,540 

Total $14,362 $1,483,073,692 

Source: CP 129 - December 2008.

Relationship of Fiduciary

Relationship Number

Legal Custodian 72,477

Spouse 14,562 

Court-appointed Fiduciary 10,406

Institutional 3,063

Supervised Direct Payment 2,748

Supt. of Indian Reservation 5

Total 103,261 

Source: COIN DOOR 7009.
26 Annual Benefits Report FY 2008 Education

Education

Current Benefits

There were six active education programs at the end of 

Fiscal Year 2008: 

 All-Volunteer Force Educational Assistance Program (Montgomery 

GI Bill- Active Duty), 

 Educational Assistance for Members of the Selected Reserve 

(Montgomery GI Bill- Selected Reserve), 

 Reserve Educational Assistance Program (REAP) , 

 Post-Vietnam Era Veterans’ Educational Assistance 

Program (VEAP), 

 Survivors’ and Dependents’ Educational Assistance (Dependents 

Educational Assistance - DEA) and the

 National Call to Service Incentive Program (NCS).

Education Programs

All-Volunteer Force Educational Assistance Program 

(Montgomery GI Bill - Active Duty)

Montgomery GI Bill- Active Duty (MGIB-AD) is a contributory program. 

The servicemember’s pay is automatically reduced by $100 per month 

for the first 12 months of active duty unless the servicemember 

declines to participate at the time of enlistment. Requirements and 

features of MGIB-AD participants are as follows:

 First entered active duty on or after June 30, 1985;

 Must fulfill one’s basic service obligation unless released for an 

acceptable reason;

 Must have completed the requirements of a secondary school 

diploma, or its equivalent, before applying for benefits;

 Must receive an honorable discharge;

 Maximum entitlement is 36 months.

VA Education programs provide 

 Veterans, 

 servicemembers, 

 reservists, and 

 certain family members 

of Veterans 

with educational resources 

to supplement opportunities 

missed because of military 

service. These programs 

are also meant to help the 

Armed Forces recruit and 

retain members. 

For members of the Armed 

Forces, VA educational benefits

assist in the readjustment 

to civilian life. On a broader 

scale, educational benefits are

meant to enhance the Nation’s

competitiveness through 

the development of a more 

highly educated and more 

productive workforce.
Veterans Benefits Administration Making a difference 27Education

Educational Assistance for members 

of the Selected Reserve 

(Montgomery GI Bill - Selected Reserve)

Montgomery GI Bill- Selected Reserve (MGIB-SR) 

is the first GI Bill to provide educational assistance 

to members of the Selected Reserve (including 

National Guard members). DoD funds this program 

and is responsible for determining eligibility. VBA 

administers the program. Requirements and features 

of MGIB-SR include:

 Must agree to a six-year Selected Reserve 

obligation after June 30, 1985;

 Must have completed the requirements of a 

secondary school diploma, or its equivalent, 

before applying for benefits;

 Must remain a member in good standing in the 

Selected Reserve; 

 Maximum entitlement is 36 months; and 

generally, member remains eligible until the 

date the individual seperates from the Selected 

Reserve.

Reserve Educational Assistance Program (REAP)

REAP provides educational assistance to members of 

the National Guard and Reserves who serve on active 

duty in support of a contingency operation under 

federal authority on or after September 11, 2001. 

Requirements and features of REAP are as follows:

 DoD determines eligibility to REAP;

 Must have served on active duty beginning on or 

after September 11, 2001;

 Must have served on active duty in support of a 

contingency operation under federal authority for 

a minimum of 90 consecutive days;

 Maximum full time entitlement is 36 months;

 Benefit rate is a portion of the MGIB-AD 3 year 

enlistment rate.

Post-Vietnam Era Veterans’ Educational Assistance 

Program (VEAP)

VEAP was the first GI Bill program that required a 

contribution by the servicemember. Requirements 

and features of VEAP are as follows:

 First entered active duty after 

December 31, 1976, and before July 1, 1985;

 Contributed to VEAP while on active duty and 

before April 1, 1987;

 Maximum contribution of $2,700 by 

the servicemember;

 Maximum entitlement is 36 months;

 Government matches contribution 

$2 for $1;

 Benefit must be used within 10 years of the last 

discharge from the service;

 Unused contributions may be refunded;

 Additional “kickers” or contributions from the 

Department of Defense (DoD) under certain 

circumstances; and,

 Current full-time VEAP rate is based on the 

monthly contributions up to a maximum 

of $300 per month plus any DoD 

“kicker” adjustment.
28 Annual Benefits Report FY 2008 Education

Dependents Educational Assistance (DEA)

DEA is a VA educational assistance program 

designed for certain Veterans dependents. 

Features and requirements of DEA are as follows:

 Eligibility is based on the Veteran’s 

service-connected death, total 

service-connected disability, 

or MIA/POW/Hostage status; 

 Maximum entitlement is 45 months;

 Children generally have eight years in which to 

use benefits;

 With some exceptions, children must be

between ages 18 and 26; 

 Spouses generally have 10 years in which to 

use benefit and 20 years if the Veteran dies

on active duty;

 A spouse loses entitlement if they remarry 

before age 57 but may have entitlement 

restored if the remarriage terminates by death 

or divorce.

Effective December 22, 2006, the program was 

expanded to grant eligibility to spouses and

children of servicemembers who are hospitalized 

or receiving outpatient care for a permanent and 

total disability while still on active duty. 

National Call to Service (NCS)

Note: NCS data is combined with MGIB-AD number of beneficiaries

and total payments. 

The National Call to Service is available to certain

individuals who, after October 1, 2003, incur an 

eight-year military service obligation (MSO). This

MSO will consist of:

 Initial entry training (to include skill training)

followed by fifteen months of active duty;

 Continuation of duty without break in service 

of either an additional period of active duty as 

determined by the Secretary of Defense, or a 

period of 24 months in an active status in the 

Selected Reserve;

 After completion of this period of service, and 

also, without a break in service, the remaining 

period of obligated service will be served as 

follows:

(1)	 on active duty in the armed forces;

(2)	 in the Selected Reserve;

(3)	 in the Individual Ready Reserve;

(4)	 in Americorps, or another domestic 

national service program jointly 

designated by the Secretary of Defense 

and the head of such a program;

(5)	 in any combination of the above.

There are four (4) incentives available for

individuals enlisting under this program:

 Bonus of $5,000.

 Repayment of qualifying student loans, as 

defined in section 510(i)(2) of title 10, U.S.C.,

(principal and interest) up to $18,000.

 Educational allowance for up to 12 months 

payable at the monthly rate for basic 

educational assistance allowances under 

section 3015(a)(1) of title 38, U.S.C.

 Educational allowance for up to 36 months 

payable at 50 percent or less of the monthly 

rate for basic educational assistance 

allowances under section 3015(b)(1) of title,

38 U.S.C.
Veterans Benefits Administration Making a difference 29Education

Quick Reference Guide

Beneficiaries by Program Fiscal Year 2004-2008

Program 2004 2005 2006 2007 2008 

MGIB-AD 332,031 336,347 332,184 343,751 354,284

MGIB-SR 88,650 87,161 66,105 60,298 62,390

REAP 0 0 23,747 41,388 44,014

DEA 68,920 74,267 75,460 77,339 80,191

VEAP 796 723 627 568 560

Total 490,397 498,498 498,123 523,344 541,439

Source: Education Service SAS Reports.

New Education Beneficiaries by Program, Fiscal Year 2008

Program Number of Beneficiaries Percent of Total 

MGIB-AD1 82,004 68.9%

MGIB-SR2 13,833 11.6%

REAP 10,079 8.5%

DEA 12,999 10.9%

VEAP 86 0.1%

Total 119,001 100%

1MGIB-AD Includes Peacetime Veterans and Servicemembers. 2Based on service in the Selected Reserve.

Source: Education Service SAS Reports, Benefits 

Delivery System Reports, and HINES Finance 

Center Reports.

New Education Beneficiaries by Training Type and Program, Fiscal Year 2008

Education Program

College, 

Non-Degree Graduate

UnderGraduateVocational/

Technical

Program 

Totals

Percent of All 

Programs

MGIB-AD1 3,265 4,532 67,902 6,305 82,004 68.9%

MGIB-SR2 351 412 12,643 427 13,833 11.6%

REAP 256 300 9,212 311 10,079 8.5%

DEA 679 371 11,211 738 12,999 10.9%

VEAP 5 15 63 3 86 0.1%

Type Training Totals 4,556 5,630 101,031 7,784 119,001 100%

Percent of Program Totals 3.8% 4.7% 84.9% 6.5%

1MGIB-AD Includes Peacetime Veterans and Servicemembers. 2Based on service in the Selected Reserve.

Source: Education Service SAS Reports, Benefits Delivery 

System Reports, and HINES Finance Center Reports.
30 Annual Benefits Report FY 2008 Education

Training Available Under Education Benefit Programs

Available Training MGIB-AD MGIB-SR DEA VEAP REAP

College or University Degree X X X X X

Business, Technical or Vocational Programs X X X X

Independent Study or Distance Learning X X X X X

Correspondence Courses X X X1 X X

Flight Training X X X2 X X

Reimbursement of Licensing & Certification Exams X X X X X

Accelerated Payments for High Tech Classes X 

Reimbursement for National Admissions & Credit Exams X X X X X

On the Job Training & Apprenticeship Programs X X X X X

Tuition Assistance Top Up Program X

Entrepreneurship Courses X X X X

Remedial, Deficiency, & Refresher Training 

(in some cases) X X X X X

H.S. Diploma or GED X X

1Spouses only.

2Only at Institutions of higher learning for credit towards a college degree.
Veterans Benefits Administration Making a difference 31Education

Data

Beneficiaries Receiving Education Benefits During Fiscal Year 2008

Program

New 

Beneficiaries

Percent of 

Total Total Beneficiaries Total Payments

MGIB-AD1 82,004 68.9% 354,284 $2,176,424,800

MGIB-SR2 13,833 11.6% 62,390 $147,385,491

REAP 10,079 8.5% 44,014 $167,112,054

DEA 12,999 10.9% 80,191 $549,105,830

VEAP 86 0.1% 560 $801,243

Total3 119,001 100.0% 541,439 $3,041,320,278 

1MGIB-AD Includes NCS, Peacetime Veterans and servicemembers. 2Based on service in the Selected Reserve.

3Total payment dollars include Section 901 Program participants. Section 901 is a section of Public Law 96-342

Source: Education Service SAS Reports, Benefits Delivery System Reports, and HINES Finance Center Reports.

Beneficiaries Who Began Receiving Education Benefits by Fiscal Year

Program 2004 2005 2006 2007 2008

MGIB-AD1 76,496 68,414 62,184 68,246 82,004 

MGIB-SR2 20,193 19,589 11,056 13,424 13,833 

REAP — — 23,746 9,214 10,079 

DEA 11,624 11,047 5,569 11,129 12,999 

VEAP 175 155 93 96 86 

Total 108,488 99,205 102,648 102,109 119,001 

1MGIB-AD Includes NCS, Peacetime Veterans and servicemembers. 2Based on service in the Selected Reserve.

Source: Education Service SAS reports.

Beneficiaries Who Received Education Benefits by Fiscal Year

Program 2004 2005 2006 2007 2008 

MGIB-AD1 332,031 336,347 332,184 343,751 354,284

MGIB-SR2 88,650 87,161 66,105 60,298 62,390

REAP — — 23,747 41,388 44,014

DEA 68,920 74,267 75,460 77,339 80,191

VEAP 796 723 627 568 560

Total 490,397 498,498 498,123 523,344 541,439 

1MGIB-AD Includes NCS, Peacetime Veterans and servicemembers. 2Based on service in the Selected Reserve.

Source: Education Service SAS reports
32 Annual Benefits Report FY 2008 Education

Beneficiaries Who Began Receiving Education Benefits by Type of Training and Program 

During Fiscal Year 2008

Education 

Program

College

Vocational/ 

Technical

Program 

Totals

Percent 

of All 

Non-Degree Graduate Programs

Under 

Graduate

MGIB-AD1 3,265 4,532 67,902 6,305 82,004 68.9%

MGIB-SR2 351 412 12,643 427 13,833 11.6%

REAP 256 300 9,212 311 10,079 8.5%

DEA 679 371 11,211 738 12,999 10.9%

VEAP 5 15 63 3 86 0.1%

Type Training Totals 4,556 5,630 101,031 7,784 119,001 100%

1MGIB‐AD Includes NCS, Peacetime Veterans and servicemembers. 2Based on service in the Selected Reserve

Source: Education Service SAS reports.

Beneficiaries Who Began Receiving Education Benefits by Training Time and Program 

During Fiscal Year 2008

Education 

Program

Training Time

Program 

Totals

Percent of All 

< One-Half Time Half Time Three Quarter Time Full Time Programs

MGIB-AD1 4,653 11,564 9,853 55,934 82,004 68.9%

MGIB-SR 445 1,456 1,560 10,372 13,833 11.6%

REAP 324 1,061 1,137 7,557 10,079 8.5%

DEA2 505 1,175 1,344 9,975 12,999 10.9%

VEAP 12 26 11 37 86 0.1%

Training Time Totals 5,939 15,282 13,905 83,875 119,001 100.0%

Percent of 

Program Totals 5.0% 12.8% 11.7% 70.5%

1MGIB-AD includes NCS, Peacetime Veterans and servicemembers. 2DEA less than one-half time includes cooperative and correspondence training.

Source: Education Service SAS reports.
Veterans Benefits Administration Making a difference 33Education

Beneficiaries Whose Benefits Terminated During Each Fiscal Year 2004-2008

Program 2004 2005 2006 2007 2008 

MGIB-AD 23,406 25,169 25,058 25,100 21,284

MGIB-SR 3,046 3,073 3,051 2,836 2,533

REAP — — — — —

DEA 681 811 408 973 992

VEAP 90 94 50 37 45

Total 27,223 29,147 28,567 28,946 24,854

Note: Data on REAP not available.

Beneficiaries Whose Benefits Terminated During Fiscal Year 2008 by Reason

Program

Entitlement

Exhausted

Delimiting

Date

Total

Terminations

Percent of Total

Terminations

MGIB-AD 16,383 4,901 21,284 85.6%

MGIB-SR 2,006 527 2,533 10.2%

REAP — — — —

DEA 751 241 992 4.0%

VEAP 35 10 45 0.2%

Total 19,175 5,679 24,854 100%

Percent of Total Terminations 77.2% 22.8% 100%

Note: Data on REAP not available.
34 Annual Benefits Report FY 2008 Education

Additional Education Opportunities

One additional education opportunity has been 

pursued by the U.S. Army, which began a pilot 

program in July 2006 allowing qualifying Chapter 

30 MGIB-AD eligible members to transfer up 

to 18 months of entitlement to their spouses. 

There were 456 eligible participants and 

120 beneficiaries in this program in fiscal year

2008, totaling over $795,100 in payments.

Four additional ways have been created for 

beneficiaries to utilize their benefits. Beneficiaries

may use Tuition Assistance Top-Up (TATU), 

repayment for licensing and certification tests,

accelerated payments, and transferability 

of MGIB‐AD benefits. MGIB-SR and REAP

beneficiaries also participate in the licensing and

certification program.

The TATU program permits VA to issue a payment to 

an individual for all or any portion of the difference 

between the military service’s tuition assistance 

(TA) amount and the total cost of tuition and related 

expenses, up to an individual’s normal monthly 

benefit. An individual must receive military tuition

assistance for the course to be eligible for TATU 

payments. There was a 5.6 percent decrease in 

the number of unique trainees in fiscal year 2008

compared to fiscal year 2007.

Accelerated payments may be made for certain 

high cost, high tech programs for enrollment on 

or after October 1, 2002. To qualify, you must be 

enrolled in a high tech program and you must certify 

that you intend to seek employment in a high tech 

industry as defined by VA. The beneficiary receives

a lump sum payment up to 60% of tuition and fees 

if the monthly amount exceeds an amount equal to 

200 percent of the monthly rate otherwise payable. 

Total payments under this program decreased by 

22 percent in fiscal year 2008 compared to fiscal

year 2007.

Unique Trainees and Payments ($000)

FY 2005 FY 2006 FY 2007 FY 2008

Tuition 

Assistance 

Top-Up 12,905 $17,868 13,245 $19,710 15,311 $24,710 14,223 $23,413

License and 

Certification

Tests 3,334 $1,479 2,971 $1,414 3,822 $1,961 3846 $2,126

Accelerated 

Payment1 0 $5,722 0 $6,116 0 $4,878 0 $3,531

Total 16,239 $25,069 16,216 $27,240 19,133 $31,549 18,069 $29,070

Source: Education Service SAS reports. 1Number of unique trainees not available.
“First to Fight.”

A group of U.S. Marines. 1918. 

USMC Recruiting Publicity Bureau. 

(War Dept.) 

WAR & CONFLICT BOOK #: 468

NARA - US National Archives 

& Records Administration 

Veterans Benefits Administration Making a difference 35Insurance

Insurance

The various life insurance programs can be conveniently grouped 

into the following three categories; Matured Life Insurance Programs, 

Disabled Veterans Life Insurance Programs, and Uniformed Services 

and Post-Vietnam Life Insurance Programs.

The purpose of the life insurance programs is to provide servicemembers 

and their families with universally available life insurance (available to 

all servicemembers and theirfamilieswithout underwriting), aswell

as traumatic injury protection insurance for servicemembers. It also 

provides for the conversion to a renewable term insurance policy after 

a servicemember’s separation from service. In addition, the program 

provides life insurance to Veterans who have lost their ability to purchase 

commercial insurance at standard (healthy)rates due to lost orimpaired

insurability resulting from military service.

Current Benefits

Matured Life Insurance Programs 

These programs were established to provide the same or better life 

insurance benefits thanwere available to private citizenswhen these

programs were established. The matured life insurance programs are 

closed to the issuance of new coverage but continue to have active 

policies. These include theNational Service Life Insurance (NSLI), United

StatesGovernment Life Insurance (USGLI), Veterans’ Special Life Insurance

(VSLI) and Veterans’ Reopened Insurance (VRI) programs.

Disabled Veterans Insurance Programs

These programs were established to provide insurance coverage and 

services to Veterans who lose their ability to purchase commercial 

insurance at standard (healthy)rates because oftheir service‐connected

disabilities. These life insurance programs continue to issue 

coverage. These include the Service-Disabled Veterans Insurance (S-DVI)

and the Veterans’ Mortgage Life Insurance (VMLI) programs.

Uniformed Services and Post-Vietnam Veterans

These programs were established to provide insurance coverage and 

services to active duty and reserve members of the uniformed services 

that are commonly provided by large scale civilian employers. These 

include the Servicemembers’ Group Life Insurance (SGLI), Family

Servicemembers’ Group Life Insurance (FSGLI), Servicemembers’

Group Life Insurance Traumatic Injury Protection Insurance (TSGLI)

and the Veterans’ Group Life Insurance (VGLI) programs.

America entered 

World War I in April 

1917. The War Risk 

Insurance Act 

was amended on 

June 12, 1917, to 

cover merchant marine 

personnel. The Act 

was again amended 

on October 6, 1917, 

authorizing, for the 

first time, issuance of

government life insurance 

to members of the 

armed forces.

Over 4 million policies were 

issued during World War I. 

With each succeeding war, 

the government, through 

VA, continued to provide 

coverage to military 

members while on active 

duty and after separation.
36 Annual Benefits Report FY 2008 Insurance

Quick Reference Guide

Lives Insured 

This table displays the number of lives insured and 

the face amount for both the administered and 

supervised insurance programs.

Benefits Paid

The table below displays the amount of 

death awards paid to beneficiaries of both

the administered and supervised insurance 

programs. It also displays the amount of 

dividends, loans, matured endowments, cash 

surrenders, and disability claims paid on 

administered policies.

Lives Insured

Lives Insured 2004 2005 2006 2007 2008

Face Amount 

($ in billions) $757 $1,155 $1,114 $1,086 $1,088

Veterans 

(Administered Programs) 1,522,194 1,434,806 1,346,836 1,261,559 1,176,794

Veterans (VMLI) 2,625 2,514 2,438 2,368 2,309

Veterans (VGLI) 407,731 417,500 428,019 430,636 431,281

Servicemembers (SGLI) 2,448,500 2,482,500 2,391,500 2,353,500 2,356,500

Spouses and Children 

(FSGLI) 3,090,000 3,064,000 3,099,000 3,075,000 3,104,000

Total Lives Insured 7,471,050 7,401,320 7,267,793 7,123,063 7,070,884

Source: FY 2008 State of residency report; FY 2008 Policy Exhibit.

Benefits Paid

Benefits 2004 2005 2006 2007 2008

Death Awards $1,867,222,516 $1,928,795,079 $2,229,259,919 $2,484,514,176 $2,231,417,257 

Dividends $525,494,110 $461,928,451 $421,581,323 $374,770,000 $338,082,018 

Loans Made $56,325,000 $54,625,000 $61,029,000 $54,840,000 $49,128,000 

Matured Endowments $22,306,000 $14,976,000 $16,612,895 $19,570,000 $23,152,871 

Cash Surrenders $48,649,000 $53,002,000 $54,622,116 $54,246,000 $50,822,227 

Disability Claims $19,753,000 $18,075,000 $16,483,000 $15,025,000 $13,677,664 

Total $2,539,749,626 $2,531,401,530 $2,799,588,253 $3,002,965,176 $2,706,280,037 

Source: FY 2008 Policy Exhibit; FY 2008 Statement of Operations and Changes in Net Position; FY 2008 Policy Exhibit Cover Sheet; FY 2008

Statement of Cash Flows; Annual Benefits Reports 2004-2007.
Veterans Benefits Administration Making a difference 37Insurance

Death Awards 

The tables below display the number and amount 

of death awards paid to beneficiaries of both the

administered and supervised insurance programs. 

Death Awards (Number)

2004 2005 2006 2007 2008

Administered 105,905 103,083 99,883 97,900 98,107

Supervised 5,919 6,161 6,383 6,810 5,978

Total 111,824 109,244 106,266 104,679 104,085

Source: FY 2008 Policy Exhibit. VMLI Database – VMLI Quarterly Report; FY 2007 Statement of Financing and Changes in Net Position;

Veterans and Reservists Group Insurance System – OSGLI Monthly Report; Annual Benefits Reports 2004-2007.

Death Awards (Amount)

2004 2005 2006 2007 2008

Administered $1,085,407,687 $1,071,868,773 $1,069,085,161 $1,085,229,000 $1,102,596,782

Supervised $781,814,829 $856,926,306 $1,160,174,758 $1,399,285,176 $1,128,820,475

Total $1,867,222,516 $1,928,795,079 $2,229,259,919 $2,484,514,176 $2,231,417,257

Source: FY-2008 Policy Exhibit. VMLI Database – VMLI Quarterly Report; FY-2008 Statement of Program Cost and Financing; Veterans and

Reservists Group Insurance System – OSGLI Monthly Report; Annual Benefits Reports 2004-2007

Number of Operations Processed on Administered Policies

2004 2005 2006 2007 2008

Loans 24,428 24,445 25,493 25,804 26,002

Cash Surrenders 11,949 12,525 12,914 12,276 10,980

Calls Answered 756,018 688,442 679,558 667,890 672,060

Correspondence 

Received 137,248 154,790 148,675 140,463 94,045

Change of Address 39,473 53,103 55,986 41,924 55,791

Online Loan 

Applications 360 849 1,166 1,199 1,560

Total 969,476 934,154 923,792 889,556 860,438

Source: Distribution of Operational Resources Report.
38 Annual Benefits Report FY 2008 Insurance

Data

Programs That No Longer Issue Coverage

Matured Insurance Programs Years Maximum Coverage

United States Government Life Insurance (USGLI) 1919 - 1940 $10,000

National Service Life Insurance (NSLI) 1940 - 1951 $10,0001

Veterans’ Special Life Insurance (VSLI) 1951 - 1956 $10,0001

Veterans’ Reopened Insurance (VRI) 1965 - 1966 $10,0001

1Since 1972, dividends can be used to increase coverage by purchasing paid-up additions to the basic insurance.

Note: VGLI provides continuation of SGLI coverage after separation from service.

Programs That Issue Coverage

Active Life Insurance Programs Year Maximum Coverage

Uniformed Services 

and Post-Vietnam 

Veterans Life 

Insurance

Servicemembers’ Group Life Insurance (SGLI) 1965 - present $400,000

Servicemember’s Group Life Insurance (FSGLI) - 

Spouse’s Coverage 2001 - present $100,000

Servicemember’s Group Life Insurance (FSGLI) - 

Children’s Coverage 2001 - present $10,000

Servicemember’s Group Life Insurance Traumatic Injury 

Protection (TSGLI) 2005 - present $100,000

Veterans’ Group Life Insurance (VGLI) 1974 - present $400,000

Disabled Veterans’ 

Life Insurance

Service-Disabled Veterans Insurance (SDVI) 1951 - present $10,0001

Veterans’ Mortgage Life Insurance (VMLI) 1971 - present $90,000 

1An additional $20,000 of supplemental coverage is available to totally disabled Veterans.
Veterans Benefits Administration Making a difference 39Insurance

The following table compares VA life insurance programs with commercial life insurance companies.

The comparison is based on the total face value of active life insurance in effect. 

2008 Rankings by Total Life Insurance In-Force

Rank Company Total Life Insurance

1 Metropolitan Life $4,936,523,000,000 

2 Prudential of America Group $2,583,597,000,000 

3 Aegon USA Group $1,564,687,000,000 

4 Swiss Reinsurance Group $1,478,475,000,000 

5 ING USA Life Group $1,371,310,000,000 

6 VA Life Insurance Programs $1,318,034,000,000 

7 AIG Life Group $1,269,893,000,000 

8 Lincoln Financial Group $1,161,508,000,000 

9 Northwestern Mutual Group $1,064,770,000,00 

10 New York Life Group $979,191,000,000 

11 Hartford Life Group $886,284,000,000 

12 Genworth Financial Group $817,603,000,000 

13 Scottish Reinsurance Group $810,604,000,000 

14 Protective Life Corp $765,182,000,000 

15 Munich America Reassurance Co $729,032,000,000 

Source: Best’s Review, September 2008.
40 Annual Benefits Report FY 2008 Insurance

Coverage Established During Fiscal Year 2008

The table that follows identifies the number of 

new policies issued during Fiscal Year 2008, 

the total face value of the policies, and the 

average face value of the policies. In the case 

of SGLI and FSGLI, which is group insurance, the 

military services maintain the records on each 

insured servicemember.

The actual number of servicemembers who 

enrolled in SGLI in Fiscal Year 2008 is not 

known. The information shown in this table is 

estimated based upon current enrollment rates 

and the number of people who entered active 

military service during Fiscal Year 2008. The 

exact number of children covered by FSGLI is 

also an estimate.

New Life Insurance Coverage Issued During Fiscal Year 2008

Insurance

Number of People 

Insured

Total Coverage 

Amount Average Face Value

Maximum Face 

Value

VMLI1 234 $19,504,634 $83,400 $90,000

SDVI2,3 13,604 173,325,500 12,741 10,000*

VGLI4 19,146 5,417,800,000 282,973 400,000

FSGLI – Child5 177,951 1,779,510,000 10,000 10,000

FSGLI – Spouse6 186,666 18,416,689,410 98,661 100,000

SGLI5 316,024 118,793,281,779 375,899 400,000

Total 713,625 $144,600,111,323 $202,627

1

Source: VMLI Database-VMLI Quarterly Report. 2

Source: SDVI -FY 2008 Policy Exhibit. 3

Source: Additional Coverage, up to $20,000, is available for totally 

disabled policyholders. New Supplemental SDVI policies (2,326)

were issued. 4

Source: VGLI - Veterans and Reservists Group Insurance System – 

OSGLI Monthly Report. VGLI data is for the FY 2008 . 

5

Source: SGLI /FSGLI Estimates based upon accessions to Active Duty 

and Reserve forces in FY 2008. Data on accessions from Defense 

Manpower Data Center. Effective September 1, 2006, the maximum

coverage for VGLI and SGLI increased to $400,000. 

6

Source: DEERS and Military Pay Records.
Veterans Benefits Administration Making a difference 41Insurance

New Life Insurance Coverage Issued Comparative Information for Five Fiscal Years

 2004 2005 2006 2007 2008

Number 

of People 

Insured 667,674 648,720 703,815 706,184 713,625

Total 

Coverage 

Amounts $92,231,113,570 $129,060,812,226 $146,032,139,398 $144,756,899,292 $144,600,111,323

Average 

Face Values $138,138 $198,947 $207,487 $204,985 $202,628

Source: VMLI Database – VMLI Quarterly Report.

Source: SDVI-FY 2008 Policy Exhibit.

Source: Additional Coverage, up to $20,000, is available for 

totally disabled policyholders. New supplemental S-DVI policies 

(2,326) were issued.

Source: DEERS and Military Pay Records.

Source: Veterans and Reservists Group Insurance System – OSGLI 

Monthly Report. VGLI data is for FY 2008. Estimates based upon 

accessions to Active Duty and Reserve forces in Fiscal Year 2008. 

Data on accessions from Defense Manpower Data Center. Effective 

September 1, 2005, the maximum coverage for VGLI and SGLI increased 

to $400,000.

Policy Lapses During Fiscal Year 2008

Policy Lapses Number1 Face Value1 Average Face Value

NSLI 6,001 $37,089,636 $6,181

VSLI 516 3,968,250 7,690

VRI 201 1,056,750 5,257

SDVI 1,352 14,537,750 10,753

Total 8,070 $56,652,386 $7,020

1

Source: Insurance Fiscal Year 2008 Policy Exhibit.
42 Annual Benefits Report FY 2008 Insurance

Lump-Sum Payments Made During Fiscal Year 2008 – To Policyholders

Payments Number1 Amount2 Average Payment

Matured 

Endowment1, 2

USGLI 58 $332,536 $5,733

NSLI 1,365 $18,479,237 $13,538

VSLI 190 $2,109,442 $11,102

VRI 3 $15,634 $5,211

SDVI 243 $2,216,023 $9,119

Total 1,859 $23,152,872 $12,454

Cash Surrender1, 2

USGLI 46 $143,468 $3,119

NSLI 5,734 $39,242,397 6,844

VSLI 850 $5,073,396 5,969

VRI 321 $1,746,370 5,440

SDVI 717 $4,616,596 6,439

Total 7,668 $50,822,227 $6,628

Dividends3, 4

USGLI 5,620 $860,346 $153

NSLI 921,942 $259,708,064 282

VSLI 183,778 $68,719,275 374

VRI 39,331 $8,794,333 224

Total 1,150,671 $338,082,018 294

Loans5, 6, 7

USGLI 55 $24,000 438

NSLI 12,682 $27,658,000 2,181

VSLI 3,472 $8,289,000 2,387

VRI 969 $1,388,000 1,433

SDVI 8,845 $11,769,000 1,331

Total 26,023 $49,128,000 1,888

1

Source Number: Program numbers from an estimate based on 

SQC in FY 2008 and percent of total.

2

Source Amount: FY 2008 Statement of OPs and changes in 

Net Position. 3

Source Number: Insurance General Ledger Accounting System - 

Statement of Financial Condition Report.

4

Source Amount: FY 2008 Policy Exhibit - Cover Sheet. 5

Source Number: FY 2008 Statement of Cash Flows. 6

Source Number: Program numbers from an estimate based on 

SQC in FY 2008 and percent of total. 7

Source: Insurance General Ledger Accounting System - 

Statement of Financial Condition Report.
Veterans Benefits Administration Making a difference 43Insurance

Life Insurance Dividends Payments - Comparative Information for Five Fiscal Years

Dividend Payments 2004 2005 2006 2007 2008

Number 1,696,542 1,470,481 1,361,906 1,255,732 1,150,671

Total Amounts $525,494,110 $461,928,451 $421,581,323 $374,591,446 $338,082,018

Average Payments $310 $314 $310 $298 $294

Sources: (same as table on the previous page); FY 2004-2008 Annual Benefits Report.

Lump-Sum Payments Made During Fiscal Year 2008 – To Beneficiaries

Death Claims Number1 Amount2 Average Payment

 USGLI 998 $3,112,969 $3,119 

 NSLI 79,992 $899,550,399 $11,246 

 VSLI 6,390 $82,583,425 $12,924 

 VRI 4,009 $36,875,301 $9,198 

 SDVI 6,573 $70,190,216 $10,679 

 VMLI 145 $10,284,472 $70,927 

 SGLI3 2,267 $854,581,737 $376,966 

 FSGLI3 - Spouse 771 $74,633,334 $96,801 

 FSGL3

 - Child 1,038 $10,375,000 $9,995 

 TSGLI3 1,390 $77,925,000 $56,000 

 VGLI3 1,902 $189,230,404 $99,490 

1

Source: FY-2008 Policy Exhibit. VMLI Database – VMLI Quarterly Report and Veterans and Reservist Group Insurance System – 

Prudential Monthly Report

2

Source: FY 2008 Statement of Financing and Changes in Net Position 3

Source: Veterans and Reservist Group Insurance System - – OSGLI Monthly Report; SGLI, FSGLI, TSGLI and VGLI data are for 

FY 2008 includes Regular, Accelerated & Conversion Pool
44 Annual Benefits Report FY 2008 Insurance

Death claims are paid to the beneficiary upon the

death of the insured person. In the case of FSGLI, 

the death claim is paid to the servicemember. All 

other death claims are paid to the Veteran’s or 

servicemember’s designated beneficiary.

The table below provides a distribution of 

the lump-sum death claim payments by life 

insurance program.

Insurance Monthly Installment Award Payments to Policyholders - End Fiscal Year 2008 

Payment Type Number Monthly Average

Total Disability Income Provision

USGLI 25 16,506 660

NSLI 8,268 9,821,214 1,188

VSLI 2,146 2,897,910 1,350

VRI 460 347,844 756

Total 10,899 13,083,474 1,200

Matured Endowments

USGLI 0 0 0

NSLI 596 599,232 1,005

VSLI 464 617,454 1,331

VRI 30 19,572 652

SDVI 8 3,408 426

Total 1.098 1,239,666 1,129

Cash Surrenders

USGLI 0 0 0

NSLI 53 74,028 1,397

VSLI 1 7,218 7,218

VRI 2 528 264

SDVI 0 0 0

Total 56 81,774 1,460

Total and Permanent Disability 

USGLI 31 9,252 298

Total 31 9,252 298

Source: Insurance Master Record Database– AVS 2012.

Monthly Payments to Policyholders at the End of Fiscal Year 2008

Although most Veterans choose to receive payments in a single “lump sum,” a monthly payment option is 

available for Cash Surrenders and Matured Endowments. In the two disability benefit provisions of policies

– Total and Permanent Disability Provision and Total Disability Income Provision – no lump-sum option 

exists; payments are made monthly. The table below provides data on monthly payments to Veterans.

Number of Death Claims Paid - Comparative Information for Five Fiscal Years

Death Claims 2004 2005 2006 2007 2008

Number 111,824 109,244 106,266 104,679 104,085

Total Amounts $1,867,222,516 $1,928,795,079 $2,229,259,919 $2,467,975,806 $2,231,417,257

Average Payments $16,698 $17,656 $20,978 $23,577 $21,438

Source: (same as table on previous page).
Veterans Benefits Administration Making a difference 45Insurance

Monthly Payments to Beneficiaries at the End of Fiscal Year 2008 

A monthly payment option is also available in some 

programs for death claim payments.

The following table provides data on monthly 

payments to beneficiaries.

Insurance Monthly Installment Award Payments to Beneficiaries - End Fiscal Year 2008

Death Awards Payment Type Number Monthly Average

USGLI 1,683 450,588 268

NSLI 28,129 17,185,824 611

VSLI 605 443,887 734

VRI 204 113,676 557

SDVI 223 94,140 422

Total 30,844 18,288,115 593

Source: Insurance TBC VAL-C (Settlement Option Benefits) Life Income-for NSLI, VSLI are 150% of the Lifetime Guaranteed Amount

and the Guaranteed Certain Only amount.

Total Insurance Policies In-Force - End of Fiscal Year 2008

 Insurance Number of Policies Total Face Value Average Face Value Maximum Face Value

USGLI1 5,620 17,020,142 3,028 10,000

NSLI1 921,942 10,651,255,978 11,553 10,000

VSLI1 183,778 2,348,218,092 12,777 10,000

VRI1 39,331 382,975,710 9,737 10,000

SDVI1, 4 194,583 1,965,272,198 10,100 10,000

VMLI3 2,309 164,745,952 71,349 90,000

SGLI2 2,356,500 892,205,495,000 378,615 400,000

FSGLI2

 - Child 2,027,000 20,270,000,000 10,000 10,000

FSGLI2

 - Spouse 1,077,000 106,258,100,000 98,661 100,000

VGLI2 431,281 53,260,220,000 123,493 400,000

Total5 7,239,344 1,087,523,303,072 150,224

1

Source: Insurance Fiscal Year 2008 Policy Exhibit Cover Sheet. 2

Source: Veterans and Reservists Group Insurance System - OSGLI Monthly Report. 3

Source: VMLI Database - VMLI Quarterly Report.

4

Note: Additional $20,000 available for totally 

disabled policyholders.

5

Note: TSGLI is a rider of SGLI. TSGLI is excluded

from the Total.

Life Insurance Policies In Force - Comparative Information for Five Fiscal Years 

 FY 2004 FY 2005 FY 2006 FY 2007 FY 2008

Number of Policies 7,696,603 7,612,195 7,463,956 7,305,140 7,239,344

Total Face Values $756,822,320,973 $1,155,492,749,414 $1,341,158,083,857 $1,311,358,700,050 $1,313,773,303,072

Average Face Values $98,332 $151,795 $179,685 $179,512 $181,477

Sources: (same as table above) Includes TSGLI FY 06 to FY 08
46 Annual Benefits Report FY 2008 Insurance

Demographic Characteristics of Policyholders by Age

Because certain programs were active only during 

past wartime periods, their age distributions 

parallel the aging of all other Veterans of 

those periods.

The programs in which policies can still 

be obtained (SDVI, VMLI, SGLI, VGLI) have

policyholders across a wide distribution of 

ages. The following table includes only spouses in 

the FSGLI data.

Age Distribution for Insurance Programs

Age Avg 

Policy < 20 20-29 30-39 40-49 50-59 60-69 70-79 80-89 89 > Total Age

USGLI1 0 0 0 0 0 0 0 3,238 2,294 5,532 90.1

% of Total 0% 0% 0% 0% 0% 0% 0% 59% 41% 100%

NSLI1 0 0 0 0 0 0 185,837 545,221 70,802 801,860 82.7

% of Total 0% 0% 0% 0% 0% 0% 23% 68% 9% 100%

VSLI1 0 0 0 0 0 135 152,031 14,571 247 166,984 76.5

% of Total 0% 0% 0% 0% 0% 0% 91% 9% 0% 100%

VRI1 0 0 0 0 0 3 5,665 25,094 3,307 34,069 83.6

% of Total 0% 0% 0% 0% 0% 0% 17% 74% 10% 100%

SDVI1 0 1,540 4,690 14,042 47,374 70,836 25,632 4,059 176 168,349 60.0

% of Total 0% 1% 3% 8% 28% 42% 15% 2% 0% 100%

VMLI2 0 12 92 421 714 945 125 0 0 2,309 56.7

% of Total 0% 1% 4% 18% 31% 41% 5% 0% 0% 100%

SGLI3 173,722 1,182,503 608,192 321,873 68,015 1,964 231 0 0 2,356,500 29.8

% of Total 7% 50% 26% 14% 3% 0% 0% 0% 0% 100%

FSGLISpouse3 21,531 423,025 379,842 201,229 46,805 4,567 0 0 0 1,077,000 33.0

% of Total 2% 39% 35% 19% 4% 0% 0% 0% 0% 100%

FSGLIChildren3 1,957,774 69,226 0 0 0 0 0 0 0 2,027,000 8.7

% of Total 97% 3% 0% 0% 0% 0% 0% 0% 0% 100%

VGLI4 92 34,835 88,719 133,896 104,417 60,723 8,382 215 2 431,281 46.7

% of Total 0% 8% 21% 31% 24% 14% 2% 0% 0% 100%

Totals 2,153,119 1,711,141 1,081,535 671,461 267,325 139,173 377,903 592,398 76,828 7,070,884

% by Age 

Group 31% 24% 15% 9% 4% 2% 6% 8% 1% 100%

1

 Source: Insurance TBC VAL-C FY 2008 Attained Age Report. 2

 Source: VMLI Reserve Valuation Data. 3

 Source: DMDC Data-Attained Age for Active and Reserves combined.

4

 Source: VGLI Insurance System. 

Note: All data are as of September 30, 2008
Veterans Benefits Administration Making a difference 47Insurance

SGLI Coverage by Branch and Component of Service

 Branch

Total 

Number 

Eligible 

for SGLI

Number 

with 

SGLI

Percent 

with 

SGLI

Percent of 

Total 

with 

SGLI

Total 

Number 

Eligible 

for FSGLI

Number 

with 

FSGLI

Percent 

with 

FSGLI

Percent 

of Total 

with 

FSGLI 

Active Duty

Army 556,868 553,890 99.5% 24.6% 313,939 279,668 89.1% 26.0%

Navy 354,679 350,103 98.7% 15.6% 214,950 194,061 90.3% 18.0%

Air Force 341,872 336,806 98.5% 15.0% 215,396 200,487 93.1% 18.6%

Marine 

Corps 211,826 210,881 99.6% 9.4% 115,388 110,935 96.1% 10.3%

Coast 

Guard 41,254 40,047 97.1% 1.8% 5,511 345 6.3% 0.0%

NOAA 285 250 87.7% 0.0% 31 3 9.7% 0.0%

Public 

Health 

Service 6,219 6,022 96.8% 0.3% 677 64 9.5% 0.0%

Total 1,513,003 1,497,999 99.0% 66.6% 865,892 785,563 90.7% 72.9%

Reserve/

National

Guard

Army 550,180 516,038 93.8% 22.9% 306,573 171,922 56.1% 16.0%

Navy 60,471 50,809 84.0% 2.3% 53,223 23,603 44.3% 2.2%

Air Force 161,080 151,481 94.0% 6.7% 133,008 86,055 64.7% 8.0%

Marine 

Corps 26,681 24,785 92.9% 1.1% 367 14 3.8% 0.0%

Coast 

Guard 8,581 7,888 91.9% 0.4% 11,174 9,843 88.1% 0.9%

Total 806,993 751,001 93.1% 33.4% 504,345 291,437 57.8% 27.1%

Grand Total 2,319,996 2,249,000 96.9% 100% 1,370,237 1,077,000 78.6% 100.0%

Note: All data are as of September 30, 2008.

Note: The data at the bottom of the table shows the reserve components for the branches. 
48 Annual Benefits Report FY 2008 Insurance

SGLI coverage of up to $400,000 is available 

in increments of $50,000. Minimum allowable 

coverage is $50,000. For FSGLI, the maximum 

coverage for spouses is $100,000, or the amount 

of the servicemember’s SGLI, whichever is 

less. The table below shows the number of SGLI 

policyholders and insured FSGLI spouses.

The total percentage by coverage level for both 

categories of duty status is shown. For ease of 

presentation, the maximum coverage level is 

shown by itself, while all the lesser coverage levels 

are shown in a combined number.

SGLI Coverage by Coverage Level - Active Duty and Reserve Duty

SGLI Coverage

Number with Coverage Percent with Coverage

$50,000-

$350,000 $400,000

$50,000-

$350,000 $400,000

SGLI 

Coverage 

Level

 Active 84,914 1,413,086 5.67% 94.33%

Reserve 106,122 644,878 14.3% 85.87%

Total 191,037 2,057,963 8.49% 91.51%

Source: Payroll databases of each branch of service - September 2008 SGLI Monthly Premium Reports; DEERS and Payroll databases.

FSGLI Spousal Coverage by Coverage Level - Active Duty and Reserve Duty

FSGLI Coverage

Number with Coverage Percent with Coverage

$10,000-

$90,000 $100,000

$10,000-

$90,000 $100,000

FSGLI 

Coverage 

Level

 Active 111,598 774,404 1.42% 98.58%

Reserve 12,268 279,170 4.21% 95.79%

Total 23,426 1,053,574 2.18% 97.82%

Source: Payroll databases of each branch of service - September 2008 SGLI Monthly Premium Reports; DEERS and Payroll databases.

SGLI and FSGLI Coverage 
Veterans Benefits Administration Making a difference 49Loan Guaranty 

Loan Guaranty 

Program Objectives

The objective of the VA home loan guaranty program is to enable 

Veterans (and other eligible people) to enter the home-buying

market. The “no-downpayment” feature is intended to help Veterans 

afford the purchase of suitable homes. VA does not require a 

downpayment if the purchase price or cost is not more than the 

reasonable value of the property as determined by VA, but the 

lender may require one. If the purchase price or cost is more than 

the reasonable value, the difference must be paid in cash from the 

Veteran’s own resources.

Current Benefits

VA home loans may be used to:

 Purchase a home;

 Purchase a residential unit in certain condominium projects;

 Purchase a unit in a cooperative dwelling;

 Build a home;

 Refinance an existing home loan; or

 Improve a home by installing solar heating or other energy 

conservation measures.

There are three types of loans guaranteed as defined by the purpose

of the loan. A “Purchase Loan” is one used to purchase a home. The 

other two types of loans are “refinancing” loans: interest rate reduction

and other refinancing, (i.e., cash‐out). Interest rate reduction is the

most common reason for refinancing a loan.

There is no maximum VA loan. However, secondary market limitations

will determine how much lenders will loan. Basic entitlement 

for veterans who have not previously used home loan benefits is

$36,000. Additional entitlement is available for most loans in excess

of $144,000. The amount of additional entitlement varies depending 

on the location of the property. Additional entitlement for veterans 

who have not previously used home loan benefits is 25 percent of

the VA county loan limit for the county where the property is located. 

VA county loan limits are adjusted annually. The current limits are 

available at www.homeloans.va.gov. For loans in excess of $144,000,

VA will not guarantee more than 25 percent of the loan amount.

Veterans pay a funding fee ranging from 1.25% to 3.3% of the loan 

amount (0.5% for interest rate reduction loans). The funding fee can

be included in the loan. Veterans receiving VA compensation are 

exempt from paying the fee.

The Loan Guaranty 

Program was originally 

part of a national effort 

to move from a war 

economy to a peacetime 

economy and to avoid 

the economic recession 

historically associated 

with postwar periods. The 

program was one of the 

innovations advanced 

by the Servicemen’s 

Readjustment Act of 1944 

(PL 78-346), known as

the GI Bill of Rights. By 

providing loan guaranties, 

the government could 

provide the housing benefit

to the Veteran at little cost.
50 Annual Benefits Report FY 2008 Loan Guaranty 

Specially Adapted Housing Program (SAH) 

The Veterans Housing Opportunity and Benefits Act of 2006 

(CPL109‐233), enacted on June 15, 2006, establishes that an eligible 

Veteran or active duty servicemember can now use his or her adaptive 

housing benefit up to three times as long as the aggregate amount 

of assistance does not exceed the maximum amounts allowable for 

grants authorized under Title 38, United States Code (U.S.C.) section 

2101(a) or section 2101(b). The law also authorizes VA to provide SAH 

assistance to Veterans and servicemembers temporarily residing in a 

home owned by a family member.

These benefits can be used for, but are not limited to:

 Wider doorways and hallways to accommodate wheelchairs;

 Ramps or platform lifts instead of steps; and

 Wheelchair accessible bathrooms.

Loan Guaranty also administers the Native American Veterans Direct 

Loan Program. This program helps Native American Veterans finance 

the purchase of homes on Federal trust territory. Loan Guaranty 

provides program information and materials to all interested parties 

and to VA personnel.

VA has entered into memoranda of understanding (MOUs) with 76 

participating Native American tribes. During Fiscal Year 2007, VA 

closed 53 loans under this program. Since its inception, VA has made 

nearly 600 loans to Native American Veterans under this program.

Severely disabled Veterans, 

mostly those who are wheelchair 

bound or have the loss or loss 

of use of both arms at or above 

the elbow, may be entitled to 

obtain housing grants under 

the Specially Adapted Housing 

Program (SAH).

Special Housing Adaptation 

(SHA) grants are available for 

disabled Veterans who have 

blindness in both eyes, or have 

anatomical loss or loss of use of 

both hands. These distinctive 

programs help eligible Veterans 

through grants to buy, build 

or modify homes specifically 

adapted for their use. In addition 

to there being no time limitation 

or deadline for applying for either 

grant benefit, legislation enacted 

in 2006 as Public Law (PL) 109-

233 and in 2008 as in Public 

Law 110-289 has expanded 

the use of SAH grants. 
Veterans Benefits Administration Making a difference 51Loan Guaranty 

Quick Reference Guide

This quick reference guide highlights information 

most requested from the Loan Guaranty 

Service (LGY) Program concerning data from

Fiscal Year 2008 only.

The table below shows overall activity for the past 

five years. The volume of loans increased in FY

2008. The decrease in fiscal years 2005 through

2007 was largely due to a drop in interest rate 

reduction refinance loans. Many veterans were

able to refinance their loans at a lower interest

rate during fiscal year 2003 and then again in

fiscal year 2004 and 2005. During those years,

interest rate reduction refinance loans were over

50 percent of the activity.

VA Home Loans Guaranteed Over the Past Five Years 

Fiscal Year 2004 2005 2006 2007 2008

Number of

Loans 335,788 165,854 142,708 133,313 179,670

Total Loan 

Amount $44,130,601,603 $24,901,280,923 $24,635,468,167 $24,889,988,061 $36,089,811,392

Average Loan 

Amount $131,424 $150,140 $172,629 $186,703 $200,867

Total 

Guaranty 

Amount $12,643,384,380 $6,808,452,010 $6,486,196,646 $6,438,362,016 $9,236,280,575

Average 

Guaranty 

Amount $37,653 $41,051 $45,451 $48,295 $51,407

This chart is repeated on page 54.

Fiscal Year Loan Guaranty Program Highlights

Loans guaranteed 179,670 

Interest rate reduction loans 30,355 

Total loan amount > $36,000,000,000 

Average amount per loan $186,703 
52 Annual Benefits Report FY 2008 Loan Guaranty 

Data 

This table summarizes eligibility criteria for the 

Loan Guaranty program. All Veterans must have 

been discharged or released from active duty 

under other than dishonorable conditions.

If the Veteran served less than the minimum 

required time period, he or she could be 

eligible if discharged because of a 

service‐connected disability.

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria

Period of Service or Entitlement Service Dates Length of Service or Other Criteria

World War II 

9/16/40 - 

7/25/47 90 days

Post-World War II 

7/26/47 - 

6/26/50 181 continuous days 

Korean Conflict

6/27/50 - 

1/31/55 90 days

Post-Korean Conflict 2/1/55 - 8/4/64 181 continuous days

Vietnam Era 8/5/64 - 5/7/75 90 days*

Specific Entitlement for Post-Vietnam Era 5/8/75 - 9/7/80 181 continuous days

Enlisted 9/8/80 - 8/1/90 2 years 

Officers

10/17/81 - 

8/1/90 2 years 

Gulf War 8/2/90 - present 

2 years or period called to active duty. 

(not less than 90 days)

Active Duty Personnel 

On active duty, after having served continuously for at least 

181 days (90 days for Gulf War Era duty)

unless discharged or separated from a previous 

qualifying period of active duty service. 

Reservists 6 years

Unmarried Surviving Spouse N/A

Married to an eligible Veteran who died as a result of service 

or service-connected conditions. 

Spouse of MIA/POW N/A

Active duty member who is missing in action (MIA) or who is a

prisoner of war (POW).

Restored Entitlement 

Veterans who previously used the home loan benefit, but had

entitlement restored because the loan was paid in full and 

property disposed of.

*For Veterans who served within Vietnam, the beginning date is 2/28/1961.
Veterans Benefits Administration Making a difference 53Loan Guaranty 

Types and Characteristics of Loans Guaranteed in Fiscal Year 2008

Status

Number 

of Loans

Total Loan 

Amount 

Average Loan 

Amount

Total Guaranty 

Amount

Average 

Guaranty 

Amount 

First Time Home Buyer 74,071 $13,856,264,907 $187,067 $3,627,537,369 $48,974

Previous Home Buyer 68,269 $14,997,029,476 $219,676 $3,804,530,739 $55,729

No Down Payment 128,471 $18,804,688,728 $146,373 $4,956,293,887 $38,579

Down Payment 13,869 $3,395,474,286 $244,825 $838,035,686 $60,425

Purchase Loans 142,340 $28,853,294,383 $202,707 $7,432,068,108 $52,213

Interest Rate Reduction 30,355 $5,994,958,324 $197,495 $1,562,823,181 $51,485

Cash Out/ Other 

Refinancing 6,975 $1,241,558,685 $178,001 $241,389,286 $34,608

Five-Year Trend of Loans Guaranteed by Status 

Status 2004 2005 2006 2007 2008

First Time Home Buyer 73,891 60,735 63,836 63,731 74,071

Previous Home Buyer 78,504 58,395 58,768 54,210 68,269

No Downpayment 137,773 108,385 110,503 108,241 128,471

Downpayment 14,622 10,745 12,101 9,700 13,869

Purchase Loans 152,395 119,130 122,604 117,941 142,340

Interest Rate Reduction 175,147 40,995 13,875 10,090 30,355

Other Refinancing 8,246 5,729 6,229 5,282 6,975
54 Annual Benefits Report FY 2008 Loan Guaranty 

VA Home Loans Guaranteed Over the Past Five Years 

Fiscal Year 2004 2005 2006 2007 2008

Number of 

Loans 335,788 165,854 142,708 133,313 179,670

Total Loan 

Amount $44,130,601,603 $24,901,280,923 $24,635,468,167 $24,889,988,061 $36,089,811,392

Average Loan 

Amount $131,424 $150,140 $172,629 $186,703 $200,867

Total Guaranty 

Amount $12,643,384,380 $6,808,452,010 $6,486,196,646 $6,438,362,016 $9,236,280,575

Average 

Guaranty 

Amount $37,653 $41,051 $45,451 $48,295 $51,407

This chart is referenced in the Quick Reference Section.

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2008

Program 

Specially Adapted 

Housing Grants*

Special Adaptation 

Housing Grants

Direct Loans to 

Native Americans Total 

Number of Grants/Loans 1,058 70 43 1.171

Amount of Grants/Loans $36,000,000 $760,000 $8,288,490 $45,048,490

Average Amount of 

Grants/Loans $34,026 $10,857 $192,756 $38,470

*The goal of the Specially Adapted Housing (SAH) Program is to provide a barrier-free, wheelchair accessible living environment which 

affords the Veteran a level of independent living he or she may not normally enjoy. Includes subsequent use of grants as authorized 

by PL 109-233.
Veterans Benefits Administration Making a difference 55Loan Guaranty 

Loans Guaranteed During Fiscal Year 2008 by Period of Service/Entitlement 

Data regarding loans guaranteed during Fiscal 

Year 2007 by Veterans’ period of service and by 

other entitlement criteria are presented below. 

The table on the next page presents the data on a

five-year basis.

Loans Guaranteed During Fiscal Year 2008 by Period of Service/Entitlement 

Period of 

Service 

Entitlement 

Number Percent

Total 

Loan 

Amount 

Average 

Loan 

Amount 

Total 

Guaranty 

Amount 

Average 

Guaranty 

Amount 

World 

War II 192 0.11% $27,248,972 $141,922 $7,653,089 $39,860

Post-World 

War II 39 0.02% $5,598,669 $143,556 $1,571,360 $40,291

Korean Conflict 291 0.16% $41,691,795 $143,271 $11,735,947 $40,330

Post-Korean 

Conflict 1,039 0.58% $154,452,632 $148,655 $42,706,973 $41,104

Vietnam Era 6,756 3.76% $1,100,372,939 $162,873 $294,317,280 $43,564

Post-Vietnam 

Era 12,665 7.05% $2,311,165,917 $182,484 $605,191,845 $47,785

Gulf War 57,985 32.27% $11,338,669,692 $195,545 $2,929,780,959 $50,527

Restored 

Entitlement 44,757 24.91% $9,829,706,919 $219,624 $2,449,697,777 $54,733

Service 

Personnel 53,067 29.54% $10,735,929,912 $202,309 $2,752,462,388 $51,868

Reservists 2,422 1.35% $472,209,119 $194,967 $122,052,693 $50,393

Un-Remarried 

Survivors 453 0.25% $72,066,690 $159,088 $19,294,000 $42,592

Spouses 

of POWs 4 0.00% $580,180 $145,045 $155,831 $38,958

Total 179,670 100.00% $36,089,811,392 $200,867 $9,236,280,575 $200,867
56 Annual Benefits Report FY 2008 Loan Guaranty 

Five Year Trend of Loans Guaranteed by Entitlement

Entitlement 2004 2005 2006 2007 2008

World War II 1,269 547 363 154 192

Post-World War II 194 62 49 20 39

Korean Conflict 1,589 496 361 225 291

Post-Korean Conflict 3,778 1,435 972 781 1,039

Vietnam Era 25,428 9,712 6,960 5,329 6,756

Post-Vietnam Era 37,769 14,719 10,670 9,538 12,665

Gulf War 75,383 42,373 36,874 40,425 57,985

Restored Entitlement 123,724 44,995 34,081 29,736 44,757

Service Personnel 57,524 47,343 49,730 44,997 53,067

Reservists 8,178 3,708 2,305 1,746 2,422

Un-Remarried Survivors 931 459 339 358 453

Spouses of POWS 21 5 4 4 4

Total 335,788 165,854 142,708 133,313 179,670

Home Loans Guaranteed During Fiscal Year 2008 Based on Gender and Age 

Gender or Age Number Percent

Total 

Loan 

Amount 

Average 

Loan 

Amount

Total 

Guaranty 

Amount 

Average 

Guaranty 

Amount 

Gender 

Male 158,044 88.0% $31,732,526,450 $200,783 $8,118,740,191 $51,371

Female 21,626 12.0% $4,357,284,942 $201,484 $1,117,540,385 $51,676

Age

18 - 25 19,025 10.6% $3,057,262,776 $160,697 $826,114,394 $43,423 

26 - 35 61,014 34.0% $12,187,000,490 $199,741 $3,128,297,487 $51,272 

36 -45 50,469 28.1% $11,268,148,885 $223,269 $2,835,183,202 $56,177 

46 - 55 26,308 14.6% $5,510,386,644 $209,457 $1,393,091,785 $52,953 

56 - 65 17,248 9.6% $3,160,328,766 $183,229 $812,235,082 $47,092 

66 - 75 4,315 2.4% $707,432,625 $163,947 $187,448,828 $43,441 

76 - 80 816 0.5% $126,825,877 $155,424 $34,276,716 $42,006 

Over 80 475 0.3% $72,425,329 $152,474 $19,633,081 $41,333 

Total 179,670 100.0% $36,089,811,392 $200,867 $9,236,280,575 $51,407 
Veterans Benefits Administration Making a difference 57Loan Guaranty 

Purchase Loans Guaranteed During Fiscal Year 2008 Based on Annual Income 

Income Number 

Total Loan 

Amount

Average 

Loan

Total Guaranty 

Amount 

Average Guaranty 

Amount 

Less than 

$25,000 1,389 $126,617,641 $91,157 $43,836,774 $31,560 

$25,000 to 

$34,999 7,550 $865,051,895 $114,576 $268,539,958 $35,568 

$35,000 to 

$44,999 19,613 $2,705,531,088 $137,946 $759,270,779 $38,713 

$45,000 to 

$54,999 23,628 $3,861,115,670 $163,413 $1,018,730,000 $43,115 

$55,000 to 

$64,999 21,749 $4,046,136,761 $186,038 $1,040,460,246 $47,839 

$65,000 to 

$74,999 17,776 $3,690,038,024 $207,585 $936,560,607 $52,687 

$75,000 

and over 50,635 $13,558,803,304 $267,775 $3,364,669,744 $66,453 

Total 142,340 $28,853,294,383 $202,707 $7,432,068,108 $52,213 

Average 

Income Median Income Median Loan

 $70,731 $63,648 $6,416

Number of Loans Guaranteed Five Fiscal Years by Age 

Age 2004 2005 2006 2007 2008

18 - 25 14,123 13,248 17,081 16,821 19,025

26 - 35 92,612 55,110 50,142 47,578 61,014

36 - 45 104,653 48,985 39,483 36,145 50,469

46 - 55 67,776 26,018 19,409 17,684 26,308

56 - 65 39,920 16,346 12,462 11,410 17,248

66 - 75 12,476 4,575 3,194 2,931 4,315

76 - 80* 2,608 941 597 476 816

Over 80 1,620 631 340 268 475

Total 335,788 165,854 142,708 133,313 179,670

*Data collection for these age groups began Fiscal Year 2003.
58 Annual Benefits Report FY 2008 Loan Guaranty 

Percent of Loans Guaranteed by Age Last Five Fiscal Years

Age 2004 2005 2006 2007 2008

18 - 25 4.2% 8.0% 12.0% 12.6% 10.6%

26 - 35 27.6% 33.2% 35.1% 35.7% 34.0%

36 - 45 31.2% 29.5% 27.7% 27.1% 28.1%

46 - 55 20.2% 15.7% 13.6% 13.3% 14.6%

56 - 65 11.9% 9.9% 8.7% 8.6% 9.6%

66 - 75 3.7% 2.8% 2.2% 2.2% 2.4%

76 - 80 0.8% 0.6% 0.4% 0.4% 0.5%

Over 80 0.5% 0.4% 0.2% 0.2% 0.3%

Loans Guaranteed During Fiscal Year 2008 by Race 

Providing race information on the application 

for a VA guaranteed loan is voluntary. The race 

demographics and distribution of new loan 

guaranties presented below show the distribution 

among the 90% who provided race information for 

FY 2008. 

For the previous four Fiscal Years, 

the percentages are: 

2004, 89%; 

2005, 95%; 

2006, 95%; and 

2007, 92%.

Loans Guaranteed During Fiscal Year 2008 by Race

Race Number Percent

Total Loan 

Amount

Average 

Loan 

Total Guaranty 

Amount 

Average 

Guaranty 

White 119,996 74.1% $23,785,474,570 $198,219 $6,098,411,945 $50,822 

Black/African American 25,351 15.7% $5,208,870,861 $205,470 $1,327,469,375 $52,364 

Hispanic 12,780 7.9% $2,508,731,019 $196,301 $646,467,179 $50,584 

Asian/Pacific Islander/

Native Hawaiian 2,901 1.8% $736,131,539 $253,751 $184,505,717 $63,601 

American Indian/ 

Alaskan Native 935 0.6% $176,619,967 $188,898 $45,510,279 $48,674 

Select Five Year Trend of Loans Guaranteed by Race 

Race 2004 2005 2006 2007 2008

White 221,931 117,515 100,631 89,308 119,996

Black/African American 49,530 25,900 21,750 20,227 25,351

Hispanic 20,708 11,308 10,007 9,816 12,780

Asian/ Pacific Islander/ Native Hawaiian 4,541 2,713 2,416 2,058 2,901

American Indian/ Alaskan Native 2,168 1,218 982 719 935
Veterans Benefits Administration Making a difference 59Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation 

and Employment (VR&E)

The VR&E Program provides a wide range of vocational and 

educational counseling services to Veterans, active-duty 

servicemembers and eligible dependents. These services are 

designed to help individuals choose a vocational direction and assist 

them in achieving their vocational goals. Assistance may include 

interest and aptitude testing, occupational exploration, career

counseling, vocational goal setting, and exploring educational or

training facilities which might be utilized to achieve occupational goals.

In the VR&E program, Veterans progress through all or part of a series 

of steps. VR&E provides each Veteran with a case manager who 

advises and follows the Veteran through the program to ensure the 

delivery of prescribed services. The full range of steps is described 

below:

 Step 1. Application for benefits, and assessment for

program eligibility.

 Step 2. Evaluation to assess needs and determine services to 

which a Veteran may be entitled under a plan of rehabilitation.

 Step 3. Provision of rehabilitation services for either employment 

(services and assistance that lead to the Veteran becoming jobready), or achievement of a measure of increased ability to live

more independently in the community.

 Step 4. Rehabilitation. Veterans who have obtained and 

maintained suitable employment or achieved maximum

independence in daily living.

Mission

The mission of the 

Vocational Rehabilitation and 

Employment program (VR&E)

is to provide comprehensive 

services and assistance 

necessary to enable Veterans 

with service-connected 

disabilities and employment 

handicaps to obtain stable and 

suitable employment.

When the severity of disability 

prohibits suitable employment, 

VR&E assists those Veterans 

to achieve maximum

independence in daily living.
60 Annual Benefits Report FY 2008 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment 

Program Enhancements

In Fiscal Year 2008, VR&E continued to develop and expand methods 

to assist service members and Veterans in returning to work and 

maintaining suitable employment continues to provide outreach and 

early intervention for servicemembers and Veterans. During Fiscal Year 

2008, VR&E expanded the Coming Home to Work (CHTW) program to 

all 57 regional offices and stationed CHTW coordinators full-time at 

twelve military treatment facilities. The CHTW program provides early 

access to VR&E services during medical hold, allowing servicemembers 

to begin planning and training for civilian occupations.

The Independent Living (IL) Participant Study was conducted in Fiscal 

Year 2008. Using qualitative data obtained from the records of Veterans 

who participated in total programs of independent living, information 

was synthesized about Veterans’ needs, services provided, and results 

of IL services. The collected information was used to expand VR&E’s 

general knowledge about the disabilities and disability ramifications of 

IL participants, and to assist in planning training and examining other 

issues to improve IL plan development and service delivery.

VR&E also began an Employment Outcome Design Study to develop 

a follow-up design to collect employment outcome data, including 

earnings and career progression, and assess participant outcomes. 

This study will be used to expand follow-up from 60 days to one year to 

ensure Veterans adjust successfully to employment obtained through 

the VR&E program.

Definitions for the following 

terms may be helpful in 

reviewing the tables:

 Applicants: 

Veterans who have applied 

for Vocational Rehabilitation 

and Employment services.

 Eligible: Veterans who 

have been deemed eligible 

based upon a qualifying 

service-connected disability 

or memo rating.

 Entitled to Services: 

Veterans determined 

to have an employment 

or serious employment 

handicap based upon their 

disabling condition.

 Participants: 

Veterans who are currently 

participating in a program 

of services in one of the 

following case statuses; 

extended evaluation, 

independent living, job 

ready status, rehabilitation 

to employment. 

 Rehabilitated: Veterans 

who have successfully 

found and maintained 

suitable employment 

or have successfully 

completed the independent 

living program.
Veterans Benefits Administration Making a difference 61Vocational Rehabilitation and Employment (VR&E)

Quick Reference Guide

Number of Veterans receiving Vocational Rehabilitation and Employment 

(VR&E) benefits at the end of Fiscal Year 2008 is 103,126.

Veterans participating in the VR&E program whom are male 82,117

Veterans participating in the VR&E program whom are female 21,009

Disabled Veterans who were successfully rehabilitated 11,039

Veterans with serious employment handicaps whom were rehabilitated 6,146
62 Annual Benefits Report FY 2008 Vocational Rehabilitation and Employment (VR&E)

Data

Vocational Rehabilitation and Employment Activities 

Fiscal Year 2008

Total

Applicants 68,949

Eligible 65,784

Completed Evaluation 39,910

Entitled to Services 35,166

New Plans of Service 26,703

Participants 103,126

Rehabilitated 11,039

Sources: VR&E Program Management Reports – Snapshot of VR&E Participants at 

the end of Fiscal Year 2008 and COINTAR Reports.

Vocational Rehabilitation and Employment Activities by Age Fiscal Year 2008

< 17 or 

Unk. 17 - 21 22 - 29 30 - 39 40 - 44 45 - 49 50 - 54 55 - 59

60 and 

above Total

Applicants 1 630 15,831 15,923 10,046 9,195 6,187 5,258 5,878 68,949

Participants — 175 15,866 27,441 15,081 17,590 11,378 7,452 8,143 103,126

Rehabilitated — 2 925 2,695 1,508 2,023 1,208 1,285 1,393 11,039

In Fiscal Year 2008, 68,949 

Veterans applied for 

Vocational Rehabilitation and 

Employment services. 

Of those who applied:

 95.4% were found to be 

eligible and

 88.0% were found entitled.

Definitions for the following 

VR&E terms are found in 

the glossary: 

 Applicants (page C1); 

 Eligible (page C2); 

 Entitled to Services 

(page C2); 

 Participants (page C4); and 

 Rehabilitated (page C5).
Veterans Benefits Administration Making a difference 63Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Prior Education Level Fiscal Year 2008

Below High 

School High School

Post High 

School

Four Year 

Degree

Graduate 

Degree 

Training Total

Applicants 1,190 30,706 26,678 7,951 2,424 68,949

Participants 1,409 49,323 40,563 8,202 3,629 103,126

Rehabilitated 204 4,987 4,203 1,133 512 11,039

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2008.

Vocational Rehabilitation and Employment Activities by Branch of Service Fiscal Year 2008

Air Force Army

Coast 

Guard

Marine 

Corps Navy Misc. Unk. Total

Applicants 9,767 36,146 669 9,052 13,152 53 110 68,949

Participants 16,462 52,942 1,080 12,433 20,081 44 84 103,126

Rehabilitated 2,040 5,494 110 1,243 2,146 3 3 11,039

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2008.

Vocational Rehabilitation and Employment Activities by Period of Service Fiscal Year 2008

World 

War II

Post 

World War 

II Era

Korean 

Conflict

Post - 

Korean 

Conflict

Vietnam 

Era

Post - 

Vietnam 

Era Gulf War Total

Applicants 161 22 182 368 6,677 10,084 51,455 68,949

Participants 165 24 185 377 8,029 13,612 80,734 103,126

Rehabilitated 99 15 77 94 1,592 1,423 7,739 11,039

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2008.

Vocational Rehabilitation and Employment Activities by Length of Service Fiscal Year 2008

≤3 

months

3 - 6 

months

6 

months 

- 2 

years

2 - 4 

years

4 - 10 

years

10 - 15 

years

15 - 20 

years

20 - 30 

years

> 30 

years

In 

service Totals

Applications 332 767 9,330 18,906 18,377 4,086 2,285 10,524 250 4,092 68,949

Participants 558 1,378 13,407 27,214 28,204 7,260 4,673 18,602 286 1,544 103,129

Rehabilitated 74 126 1,370 2,860 2,701 887 656 2,298 35 32 11,039

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2008. 

In Service: The VR&E program provides service to active military personnel, such as those on medical hold or those in the 

pre‐discharge phase.
64 Annual Benefits Report FY 2008 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Combined Service‐Connected 

Disability Rating Fiscal Year 2008

0% 10% 20% 30% 40% 50% 60% 70% 80% 90%

Memo 

Rating Total

Applicants 34 6,149 8,369 10,147 9,373 6,556 7,165 5,312 3,666 1,724 4,142 3,750 2,562 68,949

Participants 21 4,039 13,222 16,213 16,048 11,603 12,656 9,600 7,164 3,584 7,110 1,865 1 103,126

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2008.

Of those Veterans participating in a plan of services, most follow the employment track and receive services 

that may include career counseling, employment planning, training or education, medical or dental care, and 

other supportive services.

Some of the Veterans participating in VR&E have a serious employment handicap, which means there is 

significant impairment of a Veteran’s ability to prepare for, pursue, or retain employment consistent with the 

Veteran’s abilities, aptitudes, and interests.

Veterans with Serious Employment Handicaps Fiscal Year 2008

Case Status Total Veterans

Total Veterans with Serious 

Employment Handicaps

Entitled to Services 35,166 22,636

Participants 103,126 58,020

Rehabilitated 11,039 6,146

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2008.
Veterans Benefits Administration Making a difference 65Vocational Rehabilitation and Employment (VR&E)

Employment assistance services may include: job market exploration, job-seeking skills, resume preparation, 

interview skills, and other assistance. The table presented next reflects those Veterans participating in 

Vocational Rehabilitation and Employment by training program during Fiscal Year 2008.

Veterans Participating in a Vocational Training Program 

During Fiscal Year 2008

Program Total

Undergraduate School 46,950

Vocational/Technical 2,573

Graduate School 2,455

College, Non Degree 1,279

Extended Eval/Independent Living 777

Paid On-Job Training 226

Non Pay Work Experience in Government 220

Non-Pay On-Job Training 98

Apprenticeship 90

Improvement of Rehab Potential 32

High School 12

Farm Co-op 9

Total 54,721

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end 

of Fiscal Year 2008.
66 Annual Benefits Report FY 2008 Vocational Rehabilitation and Employment (VR&E)

Upon completion of the individualized evaluation process, Veterans enter a rehabilitation program to become 

job-ready in their selected vocational choice or to achieve the maximum ability to live independently in the 

community. The length of time that Veterans remain in a rehabilitation program varies according to the 

Veteran’s individual circumstances. The average time spent in the program is approximately two and one-half 

years.

The following table shows annual earnings pre- and post- VR&E program participation for those Veterans who 

were successfully rehabilitated.

Veterans Successfully Rehabilitated 

Pre and Post Annual Earnings by Occupational Category Fiscal Year 2008

Total

Average Annual Wages Prior 

to VR&E Program Entrance

Average Annual Wages at 

Rehabilitation

Professional, Technical, 

and Managerial 6,240 $7,490 $36,585

Clerical 561 $5,156 $27,849

Service 410 $5,794 $27,846

Miscellaneous 300 $6,083 $31,385

Machine Trades 254 $7,303 $30,733

Structural (Building Trades) 195 $9,742 $33,250

Sales 166 $5,005 $28,457

Benchwork 47 $4,807 $27,653

Processing (Butcher, Meat 

Processor, etc.) 20 $5,897 $35,064

Agricultural, Fishery 

and Forestry 32 $6,533 $21,217

Other (Occupations not 

defined) 606 — —

Total 8,831 $5,641 $32,359

Note: Excludes Independent Living Veterans (2,814).

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2008.
Veterans Benefits Administration Making a difference

Appendices 

Appendices 

VBA Regional Office Mailing Addresses ................................A1 

Contacting VA by Telephone ...................................................B1 

Glossary ...................................................................................C1 

Websites .................................................................................D1 

Select Veteran Data for All VBA Programs by State .............E1

Veterans Benefits Administration Making a difference A1Appendices 

VBA Regional Office Mailing Addresses

ALABAMA

VA Regional Office

345 Perry Hill Road

Montgomery, AL 36109-3798

CONNECTICUT

VA Regional Office 

555 Willard Avenue, Building 2E, Room 5137

P. O. Box 310909

Newington, CT 06103-0909

ALASKA

VA Regional Office

2925 Debarr Road

Anchorage, AK 99508-2989

DELAWARE

VA Regional Office

1601 Kirkwood Highway

Wilmington, DE 19805-4988

ARIZONA

VA Regional Office

3333 North Central Avenue

Phoenix, AZ 85012-2405

DISTRICT OF COLUMBIA

VA Regional Office

1722 Eye St, NW

Washington, DC 20421-1111

ARKANSAS

VA Regional Office

2200 FT Roots Drive, Bldg 65

North Little Rock, AR 72114-1756

FLORIDA

VA Regional Office

P. O. Box 1437

St. Petersburg, FL 33731-1437

CALIFORNIA

VA Regional Office

Federal Building

11000 Wilshire Blvd.

Los Angeles, CA 90024-3602

VA Regional Office

Oakland Federal Building

1301 Clay Street - Suite 1300N

Oakland, CA 94612-5209

VA Regional Office 

8810 Rio San Diego Drive

San Diego, CA 92108-1508

GEORGIA

VA Regional Office

1700 Clairmont Road

Decatur, GA 30033-4032

HAWAII

VA Regional Office

P. O. Box 29020

459 Petterson Road, E W

Honolulu, HI 96819-1522

IDAHO

VA Regional Office

805 W. Franklin Street

Boise, ID 83702-5560

COLORADO

VA Regional Office

155 Van Gordon Street

Lakewood, CO 80228-1709

ILLINOIS

VA Regional Office

2122 W. Taylor Street

Chicago, IL 60612-4281
A2 Annual Benefits Report FY 2008 Appendices 

INDIANA

VA Regional Office

575 North Pennsylvania Street

Indianapolis, IN 46204-1526

MINNESOTA

VA Regional Office 

One Federal Drive, Fort Snelling

St. Paul, MN 55111-4050

IOWA

VA Regional Office 

210 Walnut Street, Room 1063

Des Moines, IA 50309-9825

MISSISSIPPI

VA Regional Office

1600 East Woodrow Wilson Avenue

Jackson, MS 39216-5102

KANSAS

VA Regional Office

5500 E. Kellogg Drive

Wichita, KS 67218-1698

MISSOURI

VA Regional Office 

400 South 18th Street

St. Louis, MO 63103-2676

KENTUCKY

VA Regional Office

321 West Main Street, Suite 390

Louisville, KY 40202-6200

MONTANA

Regional Office 

William Street, Hwy 12 West

Fort Harrison, MT 59636-9999

LOUISIANA

VA Regional Office

1250 Poydras Street, Suite 200

New Orleans, LA 70113-1871

NEBRASKA

VA Regional Office

5631 S. 48th Street

Lincoln, NE 68516-4198

MAINE

VA Regional Office

1 VA Center - Building 248, Room 205

Augusta, ME 04330-6795

NEVADA

VA Regional Office

5460 Reno Corporate Drive

Reno, NV 89511-2250

MARYLAND

VA Regional Office

Federal Building

31 Hopkins Plaza, Room 233

Baltimore, MD 21201-0001

NEW HAMPSHIRE

VA Regional Office 

Norris Cotton Federal Bldg.

275 Chestnut Street

Manchester, NH 03101-2489

MASSACHUSETTS

VA Regional Office 

John F. Kennedy Building

Government Center 1600

Boston, MA 02203-0393

NEW JERSEY

VA Regional Office 

20 Washington Place

Newark, NJ 07102-3174

MICHIGAN

VA Regional Office 

Patrick V. McNamara Federal Bldg.

477 Michigan Avenue, Room 1400

Detroit, MI 48226-2591

NEW MEXICO

VA Regional Office 

Dennis Chavez Federal Bldg.

500 Gold Avenue, SW

Albuquerque, NM 87102-3118
Veterans Benefits Administration Making a difference A3Appendices 

NEW YORK

VA Regional Office 

130 S. Elmwood Avenue

Buffalo, NY 14202-2478

VA Regional Office 

245 W. Houston Street

New York, NY 10014-4805

PENNSYLVANIA

VA Regional Office and 

Insurance Center

5000 Wissahickon Avenue

Philadelphia, PA 19101-8079

VA Regional Office 

1000 Liberty Avenue

Pittsburgh, PA 15222-4004

NORTH CAROLINA

VA Regional Office

Federal Building

251 North Main Street

Winston-Salem, NC 27155-1000

PHILIPPINES

U.S. Department of Veterans Affairs 

FPO AP 96515-1110

Manila, PI 1000

NORTH DAKOTA

VA Regional Office 

2101 Elm Street

Fargo, ND 58102-2417

PUERTO RICO

VA Regional Office 

P. O. Box 364867

San Juan, PR 00936-4867

OHIO

VA Regional Office 

Federal Building

1240 East Ninth Street

Cleveland, OH 44199-2001

RHODE ISLAND

VA Regional Office 

380 Westminster Mall

Providence, RI 02903-3246

OKLAHOMA

VA Regional Office

Federal Building

125 South Main Street

Muskogee, OK 74401-7025

SOUTH CAROLINA

VA Regional Office

1801 Assembly Street

Columbia, SC 29201-2495

OREGON 

VA Regional Office 

Edith Green/Wendell Wyatt Federal Building

1220 Southwest 3rd Avenue 

Portland, OR 97204-2825

SOUTH DAKOTA

VA Regional Office 

2501 W 2nd Street

Sioux Falls, SD 57117-5046
A4 Annual Benefits Report FY 2008 Appendices 

TENNESSEE

VA Regional Office

110 Ninth Avenue, South

Nashville, TN 37203-3817

VIRGINIA

VA Regional Office

210 Franklin Road, SW

Roanoke, VA 24011-2204

TEXAS

VA Regional Office

6900 Almeda Road

Houston, TX 77030-4200

VA Regional Office

One Veterans Plaza

701 Clay Avenue

Waco, TX 76799-0001

WASHINGTON

VA Regional Office

Federal Building

915 Second Avenue

Seattle, WA 98174-1060

WEST VIRGINIA

VA Regional Office

640 4th Avenue

Huntington, WV 25701-1340

UTAH

VA Regional Office

550 Foothill Drive

Salt Lake City, UT 84113-1106

WISCONSIN

VA Regional Office

5400 W. National Avenue

Milwaukee, WI 53214-3416

VERMONT

VA Regional Office

215 N. Main Street

White River Junction, VT 05009-0001

WYOMING

2360 E. Pershing Blvd.

Cheyenne, WY 82001-5356

The Denver Regional Office serves the state of Wyoming.

The local address provided is for the benefits office.
Veterans Benefits Administration Making a difference B1Appendices 

Contact VA by Phone

Compensation and Pension, 

Loan Guaranty, Vocational Rehabilitation and 

Employment, and General Benefits Information 1-800-827-1000*

Education 1-888-GI BILL 1* 

(1-888-442-4551)

Life Insurance 1-800-669-8477*

Burial Headstones and Markers 1-800-697-6947*

Health Care 1-877-222-8387*

CHAMPVA 1-800-733-8387*

Telecommunication Device for the DEAF (TDD) 1-800-829-4833*

Annual Benefits Report 

(Office of Performance Analysis & Integrity) 202-461-9040

* Indicates toll-free numbers

Veterans Benefits Administration Making a difference C1Appendices 

Glossary

AID AND ATTENDANCE – An additional 

monetary allowance payable to individuals who 

are:

 In a nursing home or

 In need of daily care to help with feeding, 

dressing, attending to the wants of nature, 

protecting oneself from hazards of the daily 

environment, or keeping clean.

APPLICANTS (VR&E) – Veterans who have 

applied for Vocational Rehabilitation and 

Employment services.

BENEFITS DELIVERY AT DISCHARGE (BDD) 

– Program to assist active duty personnel in 

filing for VA benefits prior to their separation 

or retirement from active duty. VBA provides 

information about VA benefits and assistance in 

filing benefit claims.

BODY SYSTEMS – Title 38, Code of Federal 

Regulations, Part 4, classifies the various areas 

of the body into fifteen (15) different systems 

as follows:

 Musculoskeletal System

 Skin

 Auditory

 Mental Disorders

 Digestive System

 Neurological Conditions and Convulsive 

Disorders

 Cardiovascular System

 Respiratory System

 Endocrine System

 Genitourinary System

 Eye Infectious Diseases, Immune Disorders, 

Nutritional Deficiencies

 Gynecological Conditions

 Dental and Oral Conditions

 Hemic and Lymphatic Systems

BUYER STATUS – A first-time homeowner or 

previous homeowner.

CASH SURRENDER – A policyholder, upon 

request, receives the cash value that accrued 

in his/her life insurance policy, and in return 

surrenders all rights, title, and interest to his/

her basic and/or paid-up additional insurance 

coverage amounts.

CHAPTER 31 BENEFITS – Vocational 

Rehabilitation and Employment (VR&E ) 

program provides benefits and services to 

Veterans whose service-connected disabilities 

limit or prohibit employment options.

CODE OF FEDERAL REGULATIONS (CFR) –

VA rules and regulations are contained in Title 

38 Code of Federal Regulations (38 CFR). The 

Secretary of Veterans Affairs is empowered to 

prescribe all rules and regulations, consistent 

with existing law, necessary or appropriate 

to carry out the laws administered by the 

Department (Section 501, Title 38 USC).

COMBINED DEGREE – The combined degree 

of disability is expressed as a percentage (from 

0 to 100 in increments of 10) and represents 

the overall disabling effect of a Veteran’s 

service‐connected disabilities.

COMPENSABLE ZEROS – Disabilities that 

are independently evaluated at zero percent 

disabling but produce an employment handicap 

to warrant a 10% combined disability evaluation. 

This evaluation entitles the Veteran to receive 

disability compensation payments.

COMPUTER SYSTEMS – VBA derives 

statistical data about Veterans from multiple 

sources and from various computer systems: 

e.g. VBA Data Warehouse, VBA’s Benefits 

Delivery Network (BDN), the Beneficiary 

Identification and Records Locator System 

(BIRLS); and the Board of Veterans’ Appeals 

Control and Locator System (VACOLS).
C2 Annual Benefits Report FY 2008 Appendices 

DEPENDENTS’ EDUCATIONAL ASSISTANCE

(DEA) – Refers to Dependents’ Educational 

Assistance Program (Chapter 35 of the Title 38, 

U.S. Code). See Survivors’ and Dependents’ 

Educational Assistance.

DEPENDENCY AND INDEMNITY 

COMPENSATION

(DIC) – A monetary death benefit payable to 

eligible survivors (surviving spouses, children, 

and/or dependent parents of servicemembers 

who die in service) as a result of a 

service‐connected death.

DEPENDENTS – Qualifying dependents for VA 

benefit purposes are a Veteran’s spouse and 

child (natural child, adopted child, or stepchild). 

A Veteran’s mother or father may also be 

considered a dependent generally if there is 

financial need.

DIAGNOSTIC CODES – VBA uses four digit 

numeric codes to signify specific medical 

conditions. These numeric codes are in 

38 CFR, Part 4.

DIRECT LOAN – A home loan made by the 

Department of Veterans Affairs directly to 

Veterans. This is distinct from guaranteed 

loans, which are made by private lenders and 

guaranteed by VA.

DISABILITY COMPENSATION – A 

monetary benefit paid to Veterans for 

service‐connected disability.

DISABILITY PENSION – A monetary benefit 

paid to wartime Veterans who are age 65 or 

older, or permanently and totally disabled as the 

result of a non-service‐connected disability. In 

either case, the Veteran’s annual income must 

not exceed the limit set by statute in order to 

qualify for this benefit.

DIVIDEND – A payment to policyholders in 

participating life insurance programs. It is an 

allocation of program surplus funds representing 

the return of premiums not needed to pay claims 

and expenses, and a distribution of earnings 

from investment. Dividends are issued annually 

on the policy anniversary date.

DMDC – The Defense Manpower Data Center 

maintains the largest archive of personnel, 

manpower, training and financial data in the 

Department of Defense (DoD).

NO DOWNPAYMENT OPTION – The VA home 

loan guaranty program allows the Veteran to 

enter the home buying market with the option 

of providing no downpayment. This option is 

intended to help the Veteran afford the purchase 

of a suitable home.

EDUCATIONAL ASSISTANCE – A monetary 

benefit to eligible Veterans, dependents, 

reservists, and servicemembers while they are 

in an approved training program.

ELIGIBLE – Veterans who have been 

deemed eligible based upon a qualifying 

service‐connected disability or memo rating.

ELIGIBILITY – VA benefits require that the 

Veteran be discharged from active military 

service under “other than dishonorable” 

conditions. In addition to this general 

requirement, there are specific statutory and 

regulatory requirements for each of the five 

benefit programs; some of these requirements 

are described in the sections of this report 

dealing with the respective benefit programs.

ENTITLED TO SERVICES (VR&E) – Veterans 

determined to have a disability that presents an 

employment or serious employment handicap, 

and for whom it has been determined that 

vocational rehabilitation should be successful.
Veterans Benefits Administration Making a difference C3Appendices 

ENTITLEMENT (EDU) – The number of months 

the student is eligible for VA education benefits. 

This number is usually expressed in months 

and days the student will be eligible for full-time 

benefits. Entitlement may vary depending on the 

education program the individual qualifies under. 

In no event will entitlement exceed 48 months 

under any combination of education programs.

ENTITLEMENT (C&P) – Once basic eligibility 

requirements have been met, decisions on 

entitlement for C&P benefits are based on 

statutory and regulatory requirements and 

the evidence of record that documents these 

requirements have been met.

EVALUATION FOR ENTITLEMENT TO 

A PROGRAM OF REHABILITATION 

SERVICES – The process used to determine 

whether the Veteran’s disabilities cause an 

employment handicap.

FACE VALUE – The dollar amount of life 

insurance money that would be paid upon the 

death of the Veteran or at the maturity of the 

policy, subject to adjustments for indebtedness, 

dividends, premium overpayments, or 

“paid‐up additions.” 

FIRST-TIME HOMEOWNER – A Veteran using 

his home loan entitlement to purchase a home 

for the first time.

FISCAL YEAR – Any yearly accounting 

or budgetary period without regard to its 

relationship to the calendar year.

FISCAL YEAR 2008 – Began October 1, 

2006, and ended September 30, 2008. The 

Department of Veterans Affairs operates 

under this schedule for accounting and 

budgetary purposes.

FORECAST OF PROGRAM LIABILITIES –

Future liabilities represent payments that the 

government is obligated to deliver in future 

years. This is much like the obligation of a life 

insurance company to pay the face amount of a 

standard policy to beneficiaries at the time of the 

insured person’s death.

FUNDING FEE – A fee, required by law, 

charged to Veterans who obtain a VA 

guaranteed home loan.

FSGLI – Family Servicemembers’ Group Life 

Insurance was established in 2001 to provide 

servicemembers, who have Servicemembers’ 

Group Life Insurance (SGLI) coverage, the 

opportunity to have life insurance coverage on 

their spouses and dependent children.

GUARANTEED LOAN – A loan that is federally 

backed by the VA home loan provision.

HOUSEBOUND – An additional monetary 

allowance payable to those individuals who 

are substantially confined to their home or 

immediate premises as a result of a permanent 

disability.

INDIVIDUAL UNEMPLOYABILITY – Veterans 

unable to secure and follow a substantially 

gainful occupation by reason of serviceconnected disability will be rated totally disabled, 

provided that the Veteran has a single disability 

rated 60% or more or a combined evaluation of 

at least 70%, with one disability ratable at 40% 

or higher.

KICKERS (EDU) – Amounts contributed by DoD 

to an education fund on behalf of participants to 

encourage enlistment or retention in the Armed 

Forces. (The military services may use different 

terms such as “Army College Fund” or “Navy 

College Fund”, etc.) These amounts are added 

to any other education benefits to which the 

person may be entitled. Kickers are applicable 

only to MGIB-AD, MGIB-SR, VEAP and REAP.

LOAN (INS) – An amount borrowed against 

the cash value of a permanent plan life 

insurance policy.
C4 Annual Benefits Report FY 2008 Appendices 

LOAN DEFAULTED-GUARANTY CLAIM PAID 

– Loan Guaranty term used when the borrower 

defaults on the loan and VA pays the loan 

guaranty claim.

LOAN GUARANTY PROGRAM – The benefit 

program whereby VA guarantees a portion of a 

loan to lenders to facilitate Veterans obtaining 

a home.

MATURED ENDOWMENT – The face amount 

of life insurance less any indebtedness that 

is paid to the insured at maturity of the policy, 

based on the plan of life insurance. The 

proceeds may be paid as a lump sum or the 

insured may request installment payments.

MGIB-AD – The Montgomery GI Bill-Active 

Duty Educational Assistance Program (Chapter 

30 of Title 38, U.S. Code) which provides 

educational assistance to persons who served 

on active duty in the Armed Forces.

MGIB-SR – The Montgomery GI Bill-Selected 

Reserve Educational Assistance Program 

(Chapter 1606 of Title 10, U.S. Code) which 

provides educational assistance to members 

of the Selected Reserve or the Ready Reserve 

of any of the reserve components of the Armed 

Forces.

NOT ELIGIBILE (VR&E) – Veterans who have 

been determined ineligible for VR&E benefits 

for reasons such as a lack of a qualifying 

service-connected disability rating.

NOT ENTITLED (VR&E) – Veterans who have 

been determined not entitled to VR&E services 

due to a lack of an employment handicap or a 

serious employment handicap.

NSLI – National Service Life Insurance was 

established in 1940 to meet the insurance needs 

of World War II Veterans. The program closed 

in 1951.

ORIGINAL DISABILITY CLAIM – A 

Veteran’s first claim for disability benefits, 

either compensation or pension or both. Any 

subsequent claim is categorized as a reopened 

or supplemental claim.

OUTREACH (VR&E) – Various initiatives 

within the Program to improve communication 

and to coordinate and maximize employment 

opportunities with other government agencies, 

local businesses and VSOs on behalf of 

service‐connected disabled Veterans.

PAID-UP ADDITIONS – Policyholders with 

participating policies can use their annual 

dividends to purchase additional life insurance. 

Established in 1972, this is the only way most 

policyholders may increase their life insurance 

coverage amount.

PARTICIPANTS (VR&E) – Veterans who are 

currently receiving subsistence allowance in one 

of the following VR&E case statuses: extended 

evaluation, independent living, job ready or 

rehabilitation to employment.

PEACETIME VETERANS – Veterans who 

served during a period of time not statutorily 

defined as a period of war.

PRISONERS OF WAR (POWs) – Veterans who 

were forcibly detained (confined) by an enemy, 

foreign government, or hostile force while 

serving in the active military, naval or air service.

PREVIOUS HOMEOWNER – A person who has 

had a previous ownership interest in a home.

PROTECTED PENSION – The pension 

program, both disability and death, replaced 

by Section 306 Pension, which in turn was 

replaced by the current pension program under 

the provisions of PL 95-588. Veterans and 

survivors receiving either Protected Pension or 

Section 306 Pension may continue to receive 

the benefits as long as they continue to meet 

the basic entitlement requirements of the 

respective programs.
Veterans Benefits Administration Making a difference C5Appendices 

PURCHASE LOAN – A loan made solely for the 

purpose for purchasing a home.

RANGE OF DISABILITIES – A disability is 

evaluated according to the VA Schedule for 

Rating Disabilities in Title 38, CFR, and Part 4. 

Extent of disability is expressed as a percentage 

from 0% (for conditions that exist but are not 

disabling to a compensable degree) to 100%, in 

increments of 10%. Most disabilities, however, 

do not have every 10% increment from 0 to 100.

RATING SCHEDULE – Title 38, CFR Part 4. 

REAP – The Reserve Educational Assistance 

Program (Chapter 1607 of Title 10, U.S. 

Code) which provides educational assistance 

to members of the Guard and Reserves who 

serve on active duty in support of a contingency 

operation under federal authority on or after 

September 11, 2001.

REGIONAL OFFICE (RO) – A VA field office 

composed of divisions which carry out the 

functions of VBA. Fifty-seven such offices exist 

throughout the United States, the District of 

Columbia, Puerto Rico, and the Philippines.

REHABILITATED (VR&E) – Veterans who have 

successfully found and maintained suitable 

employment or have successfully completed the 

independent living program.

RESERVIST – A member of a reserve 

component of one of the Armed Forces who 

has potential entitlement to certain VA benefits 

by reason of his or her reserve status, including 

educational assistance under Title 10 of the 

United States Code, Chapter 1606.

RESTORED ENTITLEMENT (LGY) –

Previously used entitlement may be restored 

when a property secured by a VA loan is sold 

and the loan is paid in full or when an eligible 

Veteran transferee agrees to assume the 

outstanding balance on a VA loan and substitute 

his/her entitlement for the same amount 

originally used on the loan.

SDVI – Service-Disabled Veterans Insurance 

was established in 1951 to meet the insurance 

needs of Veterans with service-connected 

disabilities. SDVI is open to Veterans who 

received other than dishonorable discharge 

separated from the service on or after April 25, 

1951, and who received a service-connected 

disability rating of 0% or greater within the last 

two years.

SECONDARY MARKET – The financial market 

where mortgages are bought and sold.

SERVICE-CONNECTED – A disease or injury 

determined to have occurred in or to have been 

aggravated by military service.

SERIOUS EMPLOYMENT HANDICAP – A 

significant impairment, caused in whole or in 

part by a service-connected disability, in the 

Veteran’s ability to prepare for, obtain, or retain 

employment consistent with his or her abilities, 

aptitudes, and interests.

SERVICEMEMBER – An individual who is 

currently serving on active duty. This individual 

is also referred to as a “service person.”

SGLI – Servicemembers Group Life Insurance 

was established in 1965 to meet the insurance 

needs of servicemembers.

SPECIALLY ADAPTED HOUSING GRANT 

– A one‐time grant to a seriously disabled 

Veteran to assist in adapting his or her home 

to accommodate limitations caused by the 

disability.

SUBSISTENCE ALLOWANCE (VR&E) – A 

monthly living allowance paid to a qualified 

Veteran in a program of vocational rehabilitation. 

The allowance is generally paid to those 

Veterans who are enrolled in education or 

training programs. The amount is based on 

training time and number of dependents.
C6 Annual Benefits Report FY 2008 Appendices 

SURVIVORS’ AND DEPENDENTS’ 

EDUCATIONAL ASSISTANCE (DEA) –

Under Chapter 35 of Title 38, U.S. Code, a 

monetary educational benefit payable to eligible 

dependents and survivors of Veterans.

TITLE 38 CODE OF FEDERAL 

REGULATIONS – Regulations that pertain to 

Veterans’ benefits.

TOTAL DISABILITY INCOME (INS) –

An option available with some insurance 

policies that provides for monthly payments 

to policyholders who, prior to their 65th 

birthday, have incurred a mental or physical 

disability which prevents them from performing 

substantially gainful employment.

TOTAL AND PERMANENT DISABILITY –

Total ratings are authorized for any disability 

or combination of disabilities for which the 

Schedule of Rating Disabilities prescribes a 

100% evaluation or, where less than 100%, 

the requirements for Individual Unemployability 

are met. Permanence of total disability is 

considered to exist when the impairment is 

reasonably certain to continue throughout 

the life of the disabled Veteran and generally 

requires no future medical exams.

TSGLI – The Traumatic Injury Protection 

Program provides automatic traumatic injury 

coverage to all servicemembers covered under 

the Servicemembers’ Group Life Insurance 

(SGLI) program. Every member who has SGLI 

also has TSGLI effective December 1, 2005. 

This coverage applies to active duty members, 

reservists, funeral honors duty and one-day 

muster duty. This benefit is also provided 

retroactively for members who incur certain 

severe losses as a result of a traumatic injury 

between October 7, 2001, and December 1, 

2005, if the loss was the direct result of injuries 

incurred in Operations Enduring Freedom or 

Iraqi Freedom.

USGLI – United States Government Life 

Insurance was established in 1919 to meet the 

insurance needs of World War I Veterans. This 

program closed in 1951.

VEAP – The Veterans Educational Assistance 

Program (Chapter 32 of Title 38, U.S. Code) is a 

contributory educational assistance program for 

Post-Vietnam Era Veterans.

VETERAN – A person who served in the active 

military, naval, or air service, and who was 

discharged or released under conditions other 

than dishonorable. 

VGLI – Veterans Group Life Insurance was 

established in 1974 to meet the insurance 

needs of Veterans after separation from service.

VMLI – Veterans Mortgage Life Insurance 

was established in 1971 to provide mortgage 

protection life insurance to severely disabled 

Veterans who have received grants for the 

purchase of specially adapted housing.

VR&E – The Vocational Rehabilitation and 

Employment (VR&E) Program is available 

to help service-disabled Veterans become 

employable and live independently.

VRI – Veterans’ Reopened Insurance was 

established in 1965 to provide insurance 

protection for certain classes of disabled 

Veterans from World War II and the Korean 

Conflict. The program closed in 1966.

VSLI – Veterans Special Life Insurance was 

established in 1951 to meet the insurance 

needs of Veterans who served during the 

Korean Conflict and post-Korean era. The 

program closed in 1956.

ZERO (0) PERCENT DISABILITY – A zero 

percent disability rating means that a disability 

exists and is related to the Veteran’s service but 

is not so disabling that it entitles the Veteran 

to compensation payments. Also called a 

non‐compensable disability.
Veterans Benefits Administration Making a difference D1Appendices 

Internet References

VA WEBSITES

Department of Veterans Affairs Home Page ...................http://www.va.gov 

Health Care ..................................http://www.va.gov/vbs/health/index.htm 

National Cemetery Administration...........................http://www.cem.va.gov 

Office of Congressional Affairs............... http://www.va.gov/oca/index.htm

Public Affairs & Special Events .............http://www.va.gov/opa/index.htm 

About VA ..........................................................http://www.va.gov/about_va/

Links to VA organizations...................................................http://www.va.gov/ 

Online Applications................................http://www.va.gov/onlineapps.htm 

Online Forms...................................................... http://www.va.gov/vaforms/ 

Facility Locator.....................................................................http://www.va.gov 

Contact Information ............................................................ https://iris.va.gov/ 

Veteran Data & Information...............................http://www.va.gov/vetdata/ 

VBA WEBSITES

Veterans Benefits Administration Home Page .......http://www.vba.va.gov 

Compensation & Pension...........http://www.vba.va.gov/bln/21/index.htm 

Education................................................................... http://www.gibill.va.gov/ 

Life Insurance..................................................http://www.insurance.va.gov/ 

Loan Guaranty................................................http://www.homeloans.va.gov 

Vocational Rehabilitation 

& Employment.............................http://www.vba.va.gov/bln/vre/index.htm

Veterans Benefits Administration Making a difference E1Appendices 

Summary of Fiscal Year 2008 Benefits 

Compensation and Pension 

Estimated Veteran Population 23,442,489

Disability Compensation Recipients 2,952,282 

Estimated Monthly Disability Compensation Costs $2,522,846,076 

Estimated Annual Disability Compensation Costs $30,274,152,913 

Disability Compensation by Age 34 and under 269,116 

Disability Compensation by Age 35-54 893,324 

Disability Compensation by Age 55-74 1,269,305 

Disability Compensation by Age 75-84 345,007 

Disability Compensation by Age 85 and over 175,530 

Disability Pension Recipients 315,763 

Estimated Monthly Disability Pension Costs $236,982,317 

Estimated Annual Disability Pension Costs $2,843,787,803 

Disability Pension by Age under 45 5,105 

Disability Pension by Age 45-54 27,883 

Disability Pension by Age 55-69 132,199 

Disability Pension by Age 70-84 98,643 

Disability Pension by Age 85 and over 51,933 

Education 

MGIB-AD Trainees 354,284 

MGIB-SR Trainees 62,390 

DEA Trainees 80,191 

VEAP Trainees 560 

REAP Trainees 44,014 

Insurance 

Life Insurance Payments $1,728,136,666

Total Face Value of Insurance $15,529,488,072

Total Number of Policies 1,347,563

Loan Guaranty 

Number of Loans 179,670

Total Loan Amount $36,089,811,392 

Vocational Rehabilitation and Employment 

Number of Applicants 71,522

Number of Plans Developed 26,703

Number of Entitlement Decisions 35,166

Number of Veterans Rehabilitated through Independent Living 2,235

Number of Veterans Rehabilitated by Obtaining Suitable 

Employment 8,831
E2 Annual Benefits Report FY 2008 Appendices 

Alabama

Compensation and Pension 

Estimated Veteran Population 413,579 

Disability Compensation Recipients 66,081 

Estimated Monthly Disability Compensation Costs $57,426,384 

Estimated Annual Disability Compensation Costs $689,116,612 

Disability Compensation by Age 34 and under 4,702

Disability Compensation by Age 35-54 21,667

Disability Compensation by Age 55-74 30,536

Disability Compensation by Age 75-84 6,581

Disability Compensation by Age 85 and over 2,595

Disability Pension Recipients 9,111 

Estimated Monthly Disability Pension Costs $7,651,605 

Estimated Annual Disability Pension Costs $91,819,260 

Disability Pension by Age under 45 119 

Disability Pension by Age 45-54 626 

Disability Pension by Age 55-69 2,808 

Disability Pension by Age 70-84 3,569 

Disability Pension by Age 85 and over 1,989 

Education 

MGIB-AD Trainees 6,531 

MGIB-SR Trainees 1,624 

DEA Trainees 2,606 

VEAP Trainees 9 

REAP Trainees 1,236 

Insurance 

Life Insurance Payments $24,342,229

Total Face Value of Insurance $218,745,633

Total Number of Policies 18,952

Loan Guaranty 

Number of Loans 4,541

Total Loan Amount $811,367,447 

Vocational Rehabilitation and Employment 

Number of Applicants 2,546

Number of Plans Developed 1,105

Number of Entitlement Decisions 1,296

Number of Veterans Rehabilitated through Independent Living 175

Number of Veterans Rehabilitated by Obtaining Suitable Employment 325
Veterans Benefits Administration Making a difference E3Appendices 

Alaska

Compensation and Pension 

Estimated Veteran Population 75,597 

Disability Compensation Recipients 13,035 

Estimated Monthly Disability Compensation Costs $10,278,364 

Estimated Annual Disability Compensation Costs $123,340,368 

Disability Compensation by Age 34 and under 1,220

Disability Compensation by Age 35-54 6,078

Disability Compensation by Age 55-74 5,021

Disability Compensation by Age 75-84 548

Disability Compensation by Age 85 and over 168

Disability Pension Recipients 315 

Estimated Monthly Disability Pension Costs $246,870 

Estimated Annual Disability Pension Costs $2,962,440 

Disability Pension by Age under 45 4 

Disability Pension by Age 45-54 37 

Disability Pension by Age 55-69 215 

Disability Pension by Age 70-84 47 

Disability Pension by Age 85 and over 12 

Education 

MGIB-AD Trainees 1,024 

MGIB-SR Trainees 161 

DEA Trainees 170 

VEAP Trainees 2 

REAP Trainees 58 

Insurance 

Life Insurance Payments $2,439,733

Total Face Value of Insurance $21,924,076

Total Number of Policies 1,721

Loan Guaranty 

Number of Loans 2,032

Total Loan Amount $523,114,673 

Vocational Rehabilitation and Employment 

Number of Applicants 300

Number of Plans Developed 106

Number of Entitlement Decisions 124

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 52
E4 Annual Benefits Report FY 2008 Appendices 

Arizona 

Compensation and Pension 

Estimated Veteran Population 564,796 

Disability Compensation Recipients 67,979 

Estimated Monthly Disability Compensation Costs $60,001,390 

Estimated Annual Disability Compensation Costs $720,016,678 

Disability Compensation by Age 34 and under 6,945

Disability Compensation by Age 35-54 19,902

Disability Compensation by Age 55-74 29,320

Disability Compensation by Age 75-84 8,119

Disability Compensation by Age 85 and over 3,693

Disability Pension Recipients 4,970 

Estimated Monthly Disability Pension Costs $3,364,754 

Estimated Annual Disability Pension Costs $40,377,048 

Disability Pension by Age under 45 78 

Disability Pension by Age 45-54 481 

Disability Pension by Age 55-69 2,255 

Disability Pension by Age 70-84 1,521 

Disability Pension by Age 85 and over 635 

Education 

MGIB-AD Trainees 25,782 

MGIB-SR Trainees 1,669 

DEA Trainees 2,894 

VEAP Trainees 12 

REAP Trainees 1,663 

Insurance 

Life Insurance Payments $38,548,857

Total Face Value of Insurance $346,410,116

Total Number of Policies 30,270

Loan Guaranty 

Number of Loans 6,302

Total Loan Amount $1,351,234,887 

Vocational Rehabilitation and Employment 

Number of Applicants 2,083

Number of Plans Developed 709

Number of Entitlement Decisions 965

Number of Veterans Rehabilitated through Independent Living 208

Number of Veterans Rehabilitated by Obtaining Suitable Employment 270
Veterans Benefits Administration Making a difference E5Appendices 

Arkansas 

Compensation and Pension 

Estimated Veteran Population 260,074 

Disability Compensation Recipients 36,468 

Estimated Monthly Disability Compensation Costs $40,665,086 

Estimated Annual Disability Compensation Costs $487,981,032 

Disability Compensation by Age 34 and under 2,936

Disability Compensation by Age 35-54 10,926

Disability Compensation by Age 55-74 16,859

Disability Compensation by Age 75-84 3,862

Disability Compensation by Age 85 and over 1,885

Disability Pension Recipients 5,134 

Estimated Monthly Disability Pension Costs $3,455,697 

Estimated Annual Disability Pension Costs $41,468,364 

Disability Pension by Age under 45 119 

Disability Pension by Age 45-54 494 

Disability Pension by Age 55-69 2,075 

Disability Pension by Age 70-84 1,529 

Disability Pension by Age 85 and over 917 

Education 

MGIB-AD Trainees 2,060 

MGIB-SR Trainees 837 

DEA Trainees 1,568 

VEAP Trainees 3 

REAP Trainees 622 

Insurance 

Life Insurance Payments $14,971,823

Total Face Value of Insurance $134,540,713

Total Number of Policies 12,083

Loan Guaranty 

Number of Loans 2,218

Total Loan Amount $328,561,886 

Vocational Rehabilitation and Employment 

Number of Applicants 743

Number of Plans Developed 431

Number of Entitlement Decisions 538

Number of Veterans Rehabilitated through Independent Living 9

Number of Veterans Rehabilitated by Obtaining Suitable Employment 156
E6 Annual Benefits Report FY 2008 Appendices 

California 

Compensation and Pension 

Estimated Veteran Population 2,078,267 

Disability Compensation Recipients 243,443 

Estimated Monthly Disability Compensation Costs $201,023,665 

Estimated Annual Disability Compensation Costs $2,412,283,979 

Disability Compensation by Age 34 and under 28,209

Disability Compensation by Age 35-54 66,562

Disability Compensation by Age 55-74 101,080

Disability Compensation by Age 75-84 30,969

Disability Compensation by Age 85 and over 16,623

Disability Pension Recipients 23,875 

Estimated Monthly Disability Pension Costs $18,298,964 

Estimated Annual Disability Pension Costs $219,587,568 

Disability Pension by Age under 45 485 

Disability Pension by Age 45-54 2,620 

Disability Pension by Age 55-69 11,128 

Disability Pension by Age 70-84 6,272 

Disability Pension by Age 85 and over 3,370 

Education 

MGIB-AD Trainees 36,864 

MGIB-SR Trainees 3,062 

DEA Trainees 6,883 

VEAP Trainees 56 

REAP Trainees 1,891 

Insurance 

Life Insurance Payments $173,045,289

Total Face Value of Insurance $1,555,030,226

Total Number of Policies 129,955

Loan Guaranty 

Number of Loans 7,727

Total Loan Amount $2,274,205,569 

Vocational Rehabilitation and Employment 

Number of Applicants 5,213

Number of Plans Developed 1,796

Number of Entitlement Decisions 2,806

Number of Veterans Rehabilitated through Independent Living 259

Number of Veterans Rehabilitated by Obtaining Suitable Employment 433
Veterans Benefits Administration Making a difference E7Appendices 

Colorado 

Compensation and Pension 

Estimated Veteran Population 426,162 

Disability Compensation Recipients 58,975 

Estimated Monthly Disability Compensation Costs $48,815,913 

Estimated Annual Disability Compensation Costs $585,790,952 

Disability Compensation by Age 34 and under 6,176

Disability Compensation by Age 35-54 21,079

Disability Compensation by Age 55-74 23,638

Disability Compensation by Age 75-84 5,577

Disability Compensation by Age 85 and over 2,505

Disability Pension Recipients 3,462 

Estimated Monthly Disability Pension Costs $2,618,575 

Estimated Annual Disability Pension Costs $31,422,900 

Disability Pension by Age under 45 54 

Disability Pension by Age 45-54 361 

Disability Pension by Age 55-69 1,571 

Disability Pension by Age 70-84 958 

Disability Pension by Age 85 and over 518 

Education 

MGIB-AD Trainees 10,726 

MGIB-SR Trainees 830 

DEA Trainees 1,504 

VEAP Trainees 12 

REAP Trainees 692 

Insurance 

Life Insurance Payments $28,311,943

Total Face Value of Insurance $254,418,525

Total Number of Policies 21,730

Loan Guaranty 

Number of Loans 6,460

Total Loan Amount $1,450,307,531 

Vocational Rehabilitation and Employment 

Number of Applicants 2,041

Number of Plans Developed 630

Number of Entitlement Decisions 878

Number of Veterans Rehabilitated through Independent Living 68

Number of Veterans Rehabilitated by Obtaining Suitable Employment 274

* VR&E total includes Wyoming
E8 Annual Benefits Report FY 2008 Appendices 

Connecticut 

Compensation and Pension 

Estimated Veteran Population 245,643 

Disability Compensation Recipients 20,393 

Estimated Monthly Disability Compensation Costs $15,382,025 

Estimated Annual Disability Compensation Costs $184,584,295 

Disability Compensation by Age 34 and under 2,084

Disability Compensation by Age 35-54 4,775

Disability Compensation by Age 55-74 8,111

Disability Compensation by Age 75-84 3,133

Disability Compensation by Age 85 and over 2,290

Disability Pension Recipients 1,860 

Estimated Monthly Disability Pension Costs $1,033,039 

Estimated Annual Disability Pension Costs $12,396,468 

Disability Pension by Age under 45 19 

Disability Pension by Age 45-54 111 

Disability Pension by Age 55-69 646 

Disability Pension by Age 70-84 589 

Disability Pension by Age 85 and over 495 

Education 

MGIB-AD Trainees 1,905 

MGIB-SR Trainees 579 

DEA Trainees 337 

VEAP Trainees 5 

REAP Trainees 467 

Insurance 

Life Insurance Payments $26,832,456

Total Face Value of Insurance $241,123,471

Total Number of Policies 21,189

Loan Guaranty 

Number of Loans 537

Total Loan Amount $128,744,061 

Vocational Rehabilitation and Employment 

Number of Applicants 593

Number of Plans Developed 349

Number of Entitlement Decisions 403

Number of Veterans Rehabilitated through Independent Living 88

Number of Veterans Rehabilitated by Obtaining Suitable Employment 55
Veterans Benefits Administration Making a difference E9Appendices 

Delaware 

Compensation and Pension 

Estimated Veteran Population 79,916 

Disability Compensation Recipients 8,904 

Estimated Monthly Disability Compensation Costs $6,981,278 

Estimated Annual Disability Compensation Costs $83,775,340 

Disability Compensation by Age 34 and under 649

Disability Compensation by Age 35-54 3,029

Disability Compensation by Age 55-74 3,784

Disability Compensation by Age 75-84 1,007

Disability Compensation by Age 85 and over 435

Disability Pension Recipients 545 

Estimated Monthly Disability Pension Costs $351,765 

Estimated Annual Disability Pension Costs $4,221,180 

Disability Pension by Age under 45 7 

Disability Pension by Age 45-54 45 

Disability Pension by Age 55-69 232 

Disability Pension by Age 70-84 173 

Disability Pension by Age 85 and over 88 

Education 

MGIB-AD Trainees 626 

MGIB-SR Trainees 207 

DEA Trainees 210 

VEAP Trainees 1 

REAP Trainees 126 

Insurance 

Life Insurance Payments $5,487,921

Total Face Value of Insurance $49,315,889

Total Number of Policies 4,642

Loan Guaranty 

Number of Loans 657

Total Loan Amount $160,430,277 

Vocational Rehabilitation and Employment 

Number of Applicants 246

Number of Plans Developed 78

Number of Entitlement Decisions 112

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 44
E10 Annual Benefits Report FY 2008 Appendices 

District of Columbia 

Compensation and Pension 

Estimated Veteran Population 38,589 

Disability Compensation Recipients 4,214 

Estimated Monthly Disability Compensation Costs $3,261,401 

Estimated Annual Disability Compensation Costs $39,136,816 

Disability Compensation by Age 34 and under 321

Disability Compensation by Age 35-54 1,264

Disability Compensation by Age 55-74 1,743

Disability Compensation by Age 75-84 582

Disability Compensation by Age 85 and over 304

Disability Pension Recipients 795 

Estimated Monthly Disability Pension Costs $522,946 

Estimated Annual Disability Pension Costs $6,275,352 

Disability Pension by Age under 45 6 

Disability Pension by Age 45-54 70 

Disability Pension by Age 55-69 350 

Disability Pension by Age 70-84 280 

Disability Pension by Age 85 and over 89 

Education 

MGIB-AD Trainees 813 

MGIB-SR Trainees 54 

DEA Trainees 185 

VEAP Trainees 3 

REAP Trainees 71 

Insurance 

Life Insurance Payments $3,005,422

Total Face Value of Insurance $27,007,511

Total Number of Policies 2,266

Loan Guaranty 

Number of Loans 47

Total Loan Amount $16,339,140 

Vocational Rehabilitation and Employment 

Number of Applicants 1,065

Number of Plans Developed 334

Number of Entitlement Decisions 409

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 79
Veterans Benefits Administration Making a difference E11Appendices 

Florida 

Compensation and Pension 

Estimated Veteran Population 1,715,114 

Disability Compensation Recipients 233,780 

Estimated Monthly Disability Compensation Costs $194,883,305 

Estimated Annual Disability Compensation Costs $2,338,599,656 

Disability Compensation by Age 34 and under 17,060

Disability Compensation by Age 35-54 70,240

Disability Compensation by Age 55-74 97,573

Disability Compensation by Age 75-84 32,175

Disability Compensation by Age 85 and over 16,732

Disability Pension Recipients 21,465 

Estimated Monthly Disability Pension Costs $16,732,529 

Estimated Annual Disability Pension Costs $200,790,348 

Disability Pension by Age under 45 320 

Disability Pension by Age 45-54 1,753 

Disability Pension by Age 55-69 9,048 

Disability Pension by Age 70-84 6,576 

Disability Pension by Age 85 and over 3,768 

Education 

MGIB-AD Trainees 26,343 

MGIB-SR Trainees 2,408 

DEA Trainees 5,589 

VEAP Trainees 32 

REAP Trainees 1,716 

Insurance 

Life Insurance Payments $154,916,414

Total Face Value of Insurance $1,392,119,417

Total Number of Policies 120,172

Loan Guaranty 

Number of Loans 10,928

Total Loan Amount $2,237,195,520 

Vocational Rehabilitation and Employment 

Number of Applicants 4,581

Number of Plans Developed 1,755

Number of Entitlement Decisions 1,938

Number of Veterans Rehabilitated through Independent Living 72

Number of Veterans Rehabilitated by Obtaining Suitable Employment 542
E12 Annual Benefits Report FY 2008 Appendices 

Georgia 

Compensation and Pension 

Estimated Veteran Population 769,567 

Disability Compensation Recipients 106,667 

Estimated Monthly Disability Compensation Costs $86,481,856 

Estimated Annual Disability Compensation Costs $1,037,782,268 

Disability Compensation by Age 34 and under 9,694

Disability Compensation by Age 35-54 43,108

Disability Compensation by Age 55-74 42,690

Disability Compensation by Age 75-84 7,984

Disability Compensation by Age 85 and over 3,191

Disability Pension Recipients 10,910 

Estimated Monthly Disability Pension Costs $8,252,498 

Estimated Annual Disability Pension Costs $99,029,976 

Disability Pension by Age under 45 194 

Disability Pension by Age 45-54 993 

Disability Pension by Age 55-69 4,703 

Disability Pension by Age 70-84 3,224 

Disability Pension by Age 85 and over 1,796 

Education 

MGIB-AD Trainees 12,753 

MGIB-SR Trainees 1,882 

DEA Trainees 3,111 

VEAP Trainees 15 

REAP Trainees 1,137 

Insurance 

Life Insurance Payments $40,703,330

Total Face Value of Insurance $365,770,767

Total Number of Policies 31,916

Loan Guaranty 

Number of Loans 8,866

Total Loan Amount $1,595,664,734 

Vocational Rehabilitation and Employment 

Number of Applicants 3,409

Number of Plans Developed 893

Number of Entitlement Decisions 1,306

Number of Veterans Rehabilitated through Independent Living 74

Number of Veterans Rehabilitated by Obtaining Suitable Employment 324
Veterans Benefits Administration Making a difference E13Appendices 

Hawaii 

Compensation and Pension 

Estimated Veteran Population 118,017 

Disability Compensation Recipients 16,070 

Estimated Monthly Disability Compensation Costs $13,973,875 

Estimated Annual Disability Compensation Costs $167,686,498 

Disability Compensation by Age 34 and under 1,287

Disability Compensation by Age 35-54 4,976

Disability Compensation by Age 55-74 6,854

Disability Compensation by Age 75-84 2,018

Disability Compensation by Age 85 and over 935

Disability Pension Recipients 680 

Estimated Monthly Disability Pension Costs $496,854 

Estimated Annual Disability Pension Costs $5,962,248 

Disability Pension by Age under 45 15 

Disability Pension by Age 45-54 83 

Disability Pension by Age 55-69 397 

Disability Pension by Age 70-84 135 

Disability Pension by Age 85 and over 50 

Education 

MGIB-AD Trainees 1,941 

MGIB-SR Trainees 416 

DEA Trainees 379 

VEAP Trainees 4 

REAP Trainees 315 

Insurance 

Life Insurance Payments $15,366,382

Total Face Value of Insurance $138,086,324

Total Number of Policies 10,057

Loan Guaranty 

Number of Loans 1,349

Total Loan Amount $571,043,339 

Vocational Rehabilitation and Employment 

Number of Applicants 590

Number of Plans Developed 177

Number of Entitlement Decisions 204

Number of Veterans Rehabilitated through Independent Living 71

Number of Veterans Rehabilitated by Obtaining Suitable Employment 64
E14 Annual Benefits Report FY 2008 Appendices 

Idaho 

Compensation and Pension 

Estimated Veteran Population 137,203 

Disability Compensation Recipients 18,342 

Estimated Monthly Disability Compensation Costs $15,217,646 

Estimated Annual Disability Compensation Costs $182,611,752 

Disability Compensation by Age 34 and under 1,957

Disability Compensation by Age 35-54 5,537

Disability Compensation by Age 55-74 7,883

Disability Compensation by Age 75-84 2,000

Disability Compensation by Age 85 and over 965

Disability Pension Recipients 1,391 

Estimated Monthly Disability Pension Costs $1,039,667 

Estimated Annual Disability Pension Costs $12,476,004 

Disability Pension by Age under 45 20 

Disability Pension by Age 45-54 116 

Disability Pension by Age 55-69 549 

Disability Pension by Age 70-84 455 

Disability Pension by Age 85 and over 251 

Education 

MGIB-AD Trainees 1,598 

MGIB-SR Trainees 492 

DEA Trainees 356 

VEAP Trainees 3 

REAP Trainees 379 

Insurance 

Life Insurance Payments $7,731,390

Total Face Value of Insurance $69,476,296

Total Number of Policies 6,238

Loan Guaranty 

Number of Loans 1,337

Total Loan Amount $247,352,556 

Vocational Rehabilitation and Employment 

Number of Applicants 269

Number of Plans Developed 133

Number of Entitlement Decisions 166

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 77
Veterans Benefits Administration Making a difference E15Appendices 

Illinois 

Compensation and Pension 

Estimated Veteran Population 822,104 

Disability Compensation Recipients 68,266 

Estimated Monthly Disability Compensation Costs $53,284,168 

Estimated Annual Disability Compensation Costs $639,410,016 

Disability Compensation by Age 34 and under 8,145

Disability Compensation by Age 35-54 19,359

Disability Compensation by Age 55-74 28,671

Disability Compensation by Age 75-84 7,478

Disability Compensation by Age 85 and over 4,613

Disability Pension Recipients 9,015 

Estimated Monthly Disability Pension Costs $6,483,412 

Estimated Annual Disability Pension Costs $77,800,944 

Disability Pension by Age under 45 124 

Disability Pension by Age 45-54 800 

Disability Pension by Age 55-69 4,428 

Disability Pension by Age 70-84 2,534 

Disability Pension by Age 85 and over 1,129 

Education 

MGIB-AD Trainees 15,729 

MGIB-SR Trainees 2,677 

DEA Trainees 1,886 

VEAP Trainees 21 

REAP Trainees 1,846 

Insurance 

Life Insurance Payments $70,814,970

Total Face Value of Insurance $636,361,841

Total Number of Policies 51,716

Loan Guaranty 

Number of Loans 3,514

Total Loan Amount $655,044,304 

Vocational Rehabilitation and Employment 

Number of Applicants 1,159

Number of Plans Developed 422

Number of Entitlement Decisions 642

Number of Veterans Rehabilitated through Independent Living 21

Number of Veterans Rehabilitated by Obtaining Suitable Employment 121
E16 Annual Benefits Report FY 2008 Appendices 

Indiana 

Compensation and Pension 

Estimated Veteran Population 509,313 

Disability Compensation Recipients 53,358 

Estimated Monthly Disability Compensation Costs $38,984,126 

Estimated Annual Disability Compensation Costs $467,809,512 

Disability Compensation by Age 34 and under 4,466

Disability Compensation by Age 35-54 15,664

Disability Compensation by Age 55-74 24,150

Disability Compensation by Age 75-84 6,003

Disability Compensation by Age 85 and over 3,075

Disability Pension Recipients 4,597 

Estimated Monthly Disability Pension Costs $3,512,131 

Estimated Annual Disability Pension Costs $42,145,572 

Disability Pension by Age under 45 79 

Disability Pension by Age 45-54 414 

Disability Pension by Age 55-69 2,007 

Disability Pension by Age 70-84 1,376 

Disability Pension by Age 85 and over 721 

Education 

MGIB-AD Trainees 3,994 

MGIB-SR Trainees 1,611 

DEA Trainees 1,018 

VEAP Trainees 9 

REAP Trainees 819 

Insurance 

Life Insurance Payments $26,220,206

Total Face Value of Insurance $235,621,627

Total Number of Policies 20,370

Loan Guaranty 

Number of Loans 2,566

Total Loan Amount $371,541,192 

Vocational Rehabilitation and Employment 

Number of Applicants 1,309

Number of Plans Developed 691

Number of Entitlement Decisions 876

Number of Veterans Rehabilitated through Independent Living 70

Number of Veterans Rehabilitated by Obtaining Suitable Employment 110
Veterans Benefits Administration Making a difference E17Appendices 

Iowa 

Compensation and Pension 

Estimated Veteran Population 245,845 

Disability Compensation Recipients 25,136 

Estimated Monthly Disability Compensation Costs $19,720,105 

Estimated Annual Disability Compensation Costs $236,641,260 

Disability Compensation by Age 34 and under 2,224

Disability Compensation by Age 35-54 6,604

Disability Compensation by Age 55-74 10,749

Disability Compensation by Age 75-84 3,588

Disability Compensation by Age 85 and over 1,971

Disability Pension Recipients 3,575 

Estimated Monthly Disability Pension Costs $2,783,329 

Estimated Annual Disability Pension Costs $33,399,948 

Disability Pension by Age under 45 46 

Disability Pension by Age 45-54 310 

Disability Pension by Age 55-69 1,321 

Disability Pension by Age 70-84 1,188 

Disability Pension by Age 85 and over 710 

Education 

MGIB-AD Trainees 3,626 

MGIB-SR Trainees 1,313 

DEA Trainees 598 

VEAP Trainees 5 

REAP Trainees 863 

Insurance 

Life Insurance Payments $21,370,726

Total Face Value of Insurance $192,042,934

Total Number of Policies 15,194

Loan Guaranty 

Number of Loans 1,098

Total Loan Amount $163,541,068 

Vocational Rehabilitation and Employment 

Number of Applicants 662

Number of Plans Developed 334

Number of Entitlement Decisions 398

Number of Veterans Rehabilitated through Independent Living 15

Number of Veterans Rehabilitated by Obtaining Suitable Employment 69
E18 Annual Benefits Report FY 2008 Appendices 

Kansas 

Compensation and Pension 

Estimated Veteran Population 232,868 

Disability Compensation Recipients 26,958 

Estimated Monthly Disability Compensation Costs $20,712,853 

Estimated Annual Disability Compensation Costs $248,554,236 

Disability Compensation by Age 34 and under 2,369

Disability Compensation by Age 35-54 8,401

Disability Compensation by Age 55-74 11,428

Disability Compensation by Age 75-84 3,014

Disability Compensation by Age 85 and over 1,746

Disability Pension Recipients 2,779 

Estimated Monthly Disability Pension Costs $2,032,343 

Estimated Annual Disability Pension Costs $24,388,116 

Disability Pension by Age under 45 54 

Disability Pension by Age 45-54 275 

Disability Pension by Age 55-69 1,240 

Disability Pension by Age 70-84 793 

Disability Pension by Age 85 and over 417 

Education 

MGIB-AD Trainees 3,002 

MGIB-SR Trainees 830 

DEA Trainees 653 

VEAP Trainees 5 

REAP Trainees 529 

Insurance 

Life Insurance Payments $16,735,460

Total Face Value of Insurance $150,389,217

Total Number of Policies 12,758

Loan Guaranty 

Number of Loans 2,179

Total Loan Amount $343,771,530 

Vocational Rehabilitation and Employment 

Number of Applicants 398

Number of Plans Developed 206

Number of Entitlement Decisions 250

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 102
Veterans Benefits Administration Making a difference E19Appendices 

Kentucky 

Compensation and Pension 

Estimated Veteran Population 343,558 

Disability Compensation Recipients 47,102 

Estimated Monthly Disability Compensation Costs $45,610,093 

Estimated Annual Disability Compensation Costs $547,321,116 

Disability Compensation by Age 34 and under 3,972

Disability Compensation by Age 35-54 14,573

Disability Compensation by Age 55-74 21,072

Disability Compensation by Age 75-84 5,074

Disability Compensation by Age 85 and over 2,411

Disability Pension Recipients 6,162 

Estimated Monthly Disability Pension Costs $4,391,194 

Estimated Annual Disability Pension Costs $52,694,328 

Disability Pension by Age under 45 83 

Disability Pension by Age 45-54 550 

Disability Pension by Age 55-69 2,723 

Disability Pension by Age 70-84 1,934 

Disability Pension by Age 85 and over 872 

Education 

MGIB-AD Trainees 3,244 

MGIB-SR Trainees 1,006 

DEA Trainees 1,549 

VEAP Trainees 6 

REAP Trainees 649 

Insurance 

Life Insurance Payments $17,901,975

Total Face Value of Insurance $160,871,827

Total Number of Policies 14,059

Loan Guaranty 

Number of Loans 2,653

Total Loan Amount $400,691,122 

Vocational Rehabilitation and Employment 

Number of Applicants 1,177

Number of Plans Developed 522

Number of Entitlement Decisions 628

Number of Veterans Rehabilitated through Independent Living 60

Number of Veterans Rehabilitated by Obtaining Suitable Employment 178
E20 Annual Benefits Report FY 2008 Appendices 

Louisiana 

Compensation and Pension 

Estimated Veteran Population 318,924 

Disability Compensation Recipients 39,685 

Estimated Monthly Disability Compensation Costs $37,490,602 

Estimated Annual Disability Compensation Costs $449,887,224 

Disability Compensation by Age 34 and under 3,902

Disability Compensation by Age 35-54 11,340

Disability Compensation by Age 55-74 18,088

Disability Compensation by Age 75-84 4,437

Disability Compensation by Age 85 and over 1,918

Disability Pension Recipients 8,096 

Estimated Monthly Disability Pension Costs $6,004,904 

Estimated Annual Disability Pension Costs $72,058,848 

Disability Pension by Age under 45 143 

Disability Pension by Age 45-54 657 

Disability Pension by Age 55-69 3,223 

Disability Pension by Age 70-84 2,665 

Disability Pension by Age 85 and over 1,408 

Education 

MGIB-AD Trainees 3,297 

MGIB-SR Trainees 1,352 

DEA Trainees 1,449 

VEAP Trainees 5 

REAP Trainees 863 

Insurance 

Life Insurance Payments $19,754,140

Total Face Value of Insurance $177,515,873

Total Number of Policies 15,109

Loan Guaranty 

Number of Loans 2,070

Total Loan Amount $365,548,486 

Vocational Rehabilitation and Employment 

Number of Applicants 976

Number of Plans Developed 323

Number of Entitlement Decisions 454

Number of Veterans Rehabilitated through Independent Living 6

Number of Veterans Rehabilitated by Obtaining Suitable Employment 132
Veterans Benefits Administration Making a difference E21Appendices 

Maine 

Compensation and Pension 

Estimated Veteran Population 142,316 

Disability Compensation Recipients 21,795 

Estimated Monthly Disability Compensation Costs $23,587,291 

Estimated Annual Disability Compensation Costs $283,047,492 

Disability Compensation by Age 34 and under 1,681

Disability Compensation by Age 35-54 6,123

Disability Compensation by Age 55-74 10,100

Disability Compensation by Age 75-84 2,737

Disability Compensation by Age 85 and over 1,154

Disability Pension Recipients 2,354 

Estimated Monthly Disability Pension Costs $1,601,683 

Estimated Annual Disability Pension Costs $19,220,196 

Disability Pension by Age under 45 55 

Disability Pension by Age 45-54 213 

Disability Pension by Age 55-69 1,073 

Disability Pension by Age 70-84 738 

Disability Pension by Age 85 and over 275 

Education 

MGIB-AD Trainees 938 

MGIB-SR Trainees 261 

DEA Trainees 706 

VEAP Trainees 3 

REAP Trainees 196 

Insurance 

Life Insurance Payments $9,569,734

Total Face Value of Insurance $85,996,130

Total Number of Policies 8,026

Loan Guaranty 

Number of Loans 541

Total Loan Amount $94,901,742 

Vocational Rehabilitation and Employment 

Number of Applicants 411

Number of Plans Developed 183

Number of Entitlement Decisions 288

Number of Veterans Rehabilitated through Independent Living 2

Number of Veterans Rehabilitated by Obtaining Suitable Employment 45
E22 Annual Benefits Report FY 2008 Appendices 

Maryland 

Compensation and Pension 

Estimated Veteran Population 480,218 

Disability Compensation Recipients 53,878 

Estimated Monthly Disability Compensation Costs $40,375,463 

Estimated Annual Disability Compensation Costs $484,505,556 

Disability Compensation by Age 34 and under 5,240

Disability Compensation by Age 35-54 20,849

Disability Compensation by Age 55-74 20,514

Disability Compensation by Age 75-84 4,736

Disability Compensation by Age 85 and over 2,539

Disability Pension Recipients 3,426 

Estimated Monthly Disability Pension Costs $2,507,275 

Estimated Annual Disability Pension Costs $30,087,300 

Disability Pension by Age under 45 56 

Disability Pension by Age 45-54 323 

Disability Pension by Age 55-69 1,576 

Disability Pension by Age 70-84 1,066 

Disability Pension by Age 85 and over 405 

Education 

MGIB-AD Trainees 8,836 

MGIB-SR Trainees 707 

DEA Trainees 953 

VEAP Trainees 15 

REAP Trainees 542 

Insurance 

Life Insurance Payments $35,644,320

Total Face Value of Insurance $320,309,182

Total Number of Policies 26,153

Loan Guaranty 

Number of Loans 3,971

Total Loan Amount $1,201,302,206 

Vocational Rehabilitation and Employment 

Number of Applicants 801

Number of Plans Developed 357

Number of Entitlement Decisions 446

Number of Veterans Rehabilitated through Independent Living 7

Number of Veterans Rehabilitated by Obtaining Suitable Employment 121
Veterans Benefits Administration Making a difference E23Appendices 

Massachusetts 

Compensation and Pension 

Estimated Veteran Population 424,765 

Disability Compensation Recipients 52,462 

Estimated Monthly Disability Compensation Costs $42,560,168 

Estimated Annual Disability Compensation Costs $510,722,016 

Disability Compensation by Age 34 and under 3,471

Disability Compensation by Age 35-54 9,917

Disability Compensation by Age 55-74 21,399

Disability Compensation by Age 75-84 11,064

Disability Compensation by Age 85 and over 6,611

Disability Pension Recipients 4,024 

Estimated Monthly Disability Pension Costs $2,832,482 

Estimated Annual Disability Pension Costs $33,989,784 

Disability Pension by Age under 45 49 

Disability Pension by Age 45-54 361 

Disability Pension by Age 55-69 1,629 

Disability Pension by Age 70-84 1,278 

Disability Pension by Age 85 and over 707 

Education 

MGIB-AD Trainees 3,324 

MGIB-SR Trainees 878 

DEA Trainees 1,078 

VEAP Trainees 12 

REAP Trainees 747 

Insurance 

Life Insurance Payments $44,961,881

Total Face Value of Insurance $404,039,223

Total Number of Policies 38,314

Loan Guaranty 

Number of Loans 782

Total Loan Amount $198,727,205 

Vocational Rehabilitation and Employment 

Number of Applicants 592

Number of Plans Developed 231

Number of Entitlement Decisions 334

Number of Veterans Rehabilitated through Independent Living 8

Number of Veterans Rehabilitated by Obtaining Suitable Employment 61
E24 Annual Benefits Report FY 2008 Appendices 

Michigan 

Compensation and Pension 

Estimated Veteran Population 742,221 

Disability Compensation Recipients 68,417 

Estimated Monthly Disability Compensation Costs $55,900,358 

Estimated Annual Disability Compensation Costs $670,804,296 

Disability Compensation by Age 34 and under 5,019

Disability Compensation by Age 35-54 17,419

Disability Compensation by Age 55-74 31,830

Disability Compensation by Age 75-84 8,831

Disability Compensation by Age 85 and over 5,318

Disability Pension Recipients 9,628 

Estimated Monthly Disability Pension Costs $8,013,135 

Estimated Annual Disability Pension Costs $96,157,620 

Disability Pension by Age under 45 192 

Disability Pension by Age 45-54 944 

Disability Pension by Age 55-69 4,727 

Disability Pension by Age 70-84 2,425 

Disability Pension by Age 85 and over 1,340 

Education 

MGIB-AD Trainees 5,760 

MGIB-SR Trainees 1,489 

DEA Trainees 1,576 

VEAP Trainees 19 

REAP Trainees 931 

Insurance 

Life Insurance Payments $47,206,192

Total Face Value of Insurance $424,207,188

Total Number of Policies 38,911

Loan Guaranty 

Number of Loans 1,817

Total Loan Amount $274,818,278 

Vocational Rehabilitation and Employment 

Number of Applicants 1,688

Number of Plans Developed 863

Number of Entitlement Decisions 1109

Number of Veterans Rehabilitated through Independent Living 74

Number of Veterans Rehabilitated by Obtaining Suitable Employment 128
Veterans Benefits Administration Making a difference E25Appendices 

Minnesota 

Compensation and Pension 

Estimated Veteran Population 399,496 

Disability Compensation Recipients 57,844 

Estimated Monthly Disability Compensation Costs $44,814,693 

Estimated Annual Disability Compensation Costs $537,776,316 

Disability Compensation by Age 34 and under 4,757

Disability Compensation by Age 35-54 12,041

Disability Compensation by Age 55-74 26,470

Disability Compensation by Age 75-84 9,855

Disability Compensation by Age 85 and over 4,721

Disability Pension Recipients 4,363 

Estimated Monthly Disability Pension Costs $3,031,942 

Estimated Annual Disability Pension Costs $36,383,304 

Disability Pension by Age under 45 66 

Disability Pension by Age 45-54 362 

Disability Pension by Age 55-69 1,574 

Disability Pension by Age 70-84 1,432 

Disability Pension by Age 85 and over 929 

Education 

MGIB-AD Trainees 5,290 

MGIB-SR Trainees 1,993 

DEA Trainees 1,440 

VEAP Trainees 12 

REAP Trainees 1,362 

Insurance 

Life Insurance Payments $36,661,943

Total Face Value of Insurance $329,453,811

Total Number of Policies 30,480

Loan Guaranty 

Number of Loans 1,604

Total Loan Amount $315,571,921 

Vocational Rehabilitation and Employment 

Number of Applicants 939

Number of Plans Developed 408

Number of Entitlement Decisions 602

Number of Veterans Rehabilitated through Independent Living 46

Number of Veterans Rehabilitated by Obtaining Suitable Employment 159
E26 Annual Benefits Report FY 2008 Appendices 

Mississippi 

Compensation and Pension 

Estimated Veteran Population 212,508 

Disability Compensation Recipients 28,667 

Estimated Monthly Disability Compensation Costs $25,020,949 

Estimated Annual Disability Compensation Costs $300,251,388 

Disability Compensation by Age 34 and under 2,061

Disability Compensation by Age 35-54 8,989

Disability Compensation by Age 55-74 12,772

Disability Compensation by Age 75-84 3,343

Disability Compensation by Age 85 and over 1,502

Disability Pension Recipients 5,021 

Estimated Monthly Disability Pension Costs $3,395,609 

Estimated Annual Disability Pension Costs $40,747,308 

Disability Pension by Age under 45 64 

Disability Pension by Age 45-54 316 

Disability Pension by Age 55-69 1,672 

Disability Pension by Age 70-84 1,866 

Disability Pension by Age 85 and over 1,103 

Education 

MGIB-AD Trainees 1,699 

MGIB-SR Trainees 1,306 

DEA Trainees 815 

VEAP Trainees 3 

REAP Trainees 736 

Insurance 

Life Insurance Payments $11,913,800

Total Face Value of Insurance $107,060,525

Total Number of Policies 9,344

Loan Guaranty 

Number of Loans 1,499

Total Loan Amount $256,479,024 

Vocational Rehabilitation and Employment 

Number of Applicants 516

Number of Plans Developed 183

Number of Entitlement Decisions 205

Number of Veterans Rehabilitated through Independent Living 7

Number of Veterans Rehabilitated by Obtaining Suitable Employment 60
Veterans Benefits Administration Making a difference E27Appendices 

Missouri 

Compensation and Pension 

Estimated Veteran Population 522,798 

Disability Compensation Recipients 59,254 

Estimated Monthly Disability Compensation Costs $49,259,617 

Estimated Annual Disability Compensation Costs $591,115,404 

Disability Compensation by Age 34 and under 4,650

Disability Compensation by Age 35-54 16,577

Disability Compensation by Age 55-74 26,896

Disability Compensation by Age 75-84 7,553

Disability Compensation by Age 85 and over 3,578

Disability Pension Recipients 8,213 

Estimated Monthly Disability Pension Costs $6,498,111 

Estimated Annual Disability Pension Costs $77,977,332 

Disability Pension by Age under 45 102 

Disability Pension by Age 45-54 701 

Disability Pension by Age 55-69 3,329 

Disability Pension by Age 70-84 2,621 

Disability Pension by Age 85 and over 1,460 

Education 

MGIB-AD Trainees 8,212 

MGIB-SR Trainees 1,698 

DEA Trainees 1,471 

VEAP Trainees 14 

REAP Trainees 1,470 

Insurance 

Life Insurance Payments $32,912,455

Total Face Value of Insurance $295,759,930

Total Number of Policies 25,888

Loan Guaranty 

Number of Loans 3,361

Total Loan Amount $543,369,130 

Vocational Rehabilitation and Employment 

Number of Applicants 1,191

Number of Plans Developed 538

Number of Entitlement Decisions 736

Number of Veterans Rehabilitated through Independent Living 20

Number of Veterans Rehabilitated by Obtaining Suitable Employment 178
E28 Annual Benefits Report FY 2008 Appendices 

Montana 

Compensation and Pension 

Estimated Veteran Population 103,730 

Disability Compensation Recipients 16,080 

Estimated Monthly Disability Compensation Costs $14,073,450 

Estimated Annual Disability Compensation Costs $168,881,400 

Disability Compensation by Age 34 and under 1,878

Disability Compensation by Age 35-54 4,596

Disability Compensation by Age 55-74 7,230

Disability Compensation by Age 75-84 1,623

Disability Compensation by Age 85 and over 753

Disability Pension Recipients 1,671 

Estimated Monthly Disability Pension Costs $1,240,449 

Estimated Annual Disability Pension Costs $14,885,388 

Disability Pension by Age under 45 21 

Disability Pension by Age 45-54 154 

Disability Pension by Age 55-69 741 

Disability Pension by Age 70-84 490 

Disability Pension by Age 85 and over 265 

Education 

MGIB-AD Trainees 1,075 

MGIB-SR Trainees 328 

DEA Trainees 322 

VEAP Trainees 2 

REAP Trainees 229 

Insurance 

Life Insurance Payments $7,184,140

Total Face Value of Insurance $64,558,561

Total Number of Policies 5,509

Loan Guaranty 

Number of Loans 934

Total Loan Amount $168,917,121 

Vocational Rehabilitation and Employment 

Number of Applicants 529

Number of Plans Developed 224

Number of Entitlement Decisions 263

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 82
Veterans Benefits Administration Making a difference E29Appendices 

Nebraska 

Compensation and Pension 

Estimated Veteran Population 150,394 

Disability Compensation Recipients 30,602 

Estimated Monthly Disability Compensation Costs $23,374,464 

Estimated Annual Disability Compensation Costs $280,493,568 

Disability Compensation by Age 34 and under 2,512

Disability Compensation by Age 35-54 7,730

Disability Compensation by Age 55-74 13,067

Disability Compensation by Age 75-84 5,314

Disability Compensation by Age 85 and over 1,979

Disability Pension Recipients 1,801 

Estimated Monthly Disability Pension Costs $1,412,132 

Estimated Annual Disability Pension Costs $16,945,584 

Disability Pension by Age under 45 39 

Disability Pension by Age 45-54 174 

Disability Pension by Age 55-69 747 

Disability Pension by Age 70-84 551 

Disability Pension by Age 85 and over 290 

Education 

MGIB-AD Trainees 3,129 

MGIB-SR Trainees 775 

DEA Trainees 812 

VEAP Trainees 4 

REAP Trainees 736 

Insurance 

Life Insurance Payments $13,077,737

Total Face Value of Insurance $117,519,969

Total Number of Policies 9,738

Loan Guaranty 

Number of Loans 1,629

Total Loan Amount $266,837,451 

Vocational Rehabilitation and Employment 

Number of Applicants 534

Number of Plans Developed 216

Number of Entitlement Decisions 278

Number of Veterans Rehabilitated through Independent Living 9

Number of Veterans Rehabilitated by Obtaining Suitable Employment 56
E30 Annual Benefits Report FY 2008 Appendices 

Nevada 

Compensation and Pension 

Estimated Veteran Population 245,608 

Disability Compensation Recipients 28,809 

Estimated Monthly Disability Compensation Costs $23,711,030 

Estimated Annual Disability Compensation Costs $284,532,354 

Disability Compensation by Age 34 and under 2,645

Disability Compensation by Age 35-54 8,899

Disability Compensation by Age 55-74 13,066

Disability Compensation by Age 75-84 3,039

Disability Compensation by Age 85 and over 1,160

Disability Pension Recipients 2,964 

Estimated Monthly Disability Pension Costs $2,090,562 

Estimated Annual Disability Pension Costs $25,086,744 

Disability Pension by Age under 45 44 

Disability Pension by Age 45-54 279 

Disability Pension by Age 55-69 1,456 

Disability Pension by Age 70-84 867 

Disability Pension by Age 85 and over 318 

Education 

MGIB-AD Trainees 2,850 

MGIB-SR Trainees 326 

DEA Trainees 518 

VEAP Trainees 2 

REAP Trainees 189 

Insurance 

Life Insurance Payments $11,781,859

Total Face Value of Insurance $105,874,863

Total Number of Policies 9,712

Loan Guaranty 

Number of Loans 2,512

Total Loan Amount $623,970,520 

Vocational Rehabilitation and Employment 

Number of Applicants 662

Number of Plans Developed 236

Number of Entitlement Decisions 430

Number of Veterans Rehabilitated through Independent Living 11

Number of Veterans Rehabilitated by Obtaining Suitable Employment 109
Veterans Benefits Administration Making a difference E31Appendices 

New Hampshire 

Compensation and Pension 

Estimated Veteran Population 131,027 

Disability Compensation Recipients 15,032 

Estimated Monthly Disability Compensation Costs $11,824,514 

Estimated Annual Disability Compensation Costs $141,894,168 

Disability Compensation by Age 34 and under 1,153

Disability Compensation by Age 35-54 4,212

Disability Compensation by Age 55-74 6,734

Disability Compensation by Age 75-84 2,037

Disability Compensation by Age 85 and over 896

Disability Pension Recipients 927 

Estimated Monthly Disability Pension Costs $729,493 

Estimated Annual Disability Pension Costs $8,753,916 

Disability Pension by Age under 45 7 

Disability Pension by Age 45-54 65 

Disability Pension by Age 55-69 315 

Disability Pension by Age 70-84 314 

Disability Pension by Age 85 and over 226 

Education 

MGIB-AD Trainees 776 

MGIB-SR Trainees 181 

DEA Trainees 273 

VEAP Trainees 2 

REAP Trainees 125 

Insurance 

Life Insurance Payments $9,137,643

Total Face Value of Insurance $82,113,249

Total Number of Policies 7,459

Loan Guaranty 

Number of Loans 555

Total Loan Amount $131,385,276 

Vocational Rehabilitation and Employment 

Number of Applicants 262

Number of Plans Developed 133

Number of Entitlement Decisions 166

Number of Veterans Rehabilitated through Independent Living 1

Number of Veterans Rehabilitated by Obtaining Suitable Employment 48
E32 Annual Benefits Report FY 2008 Appendices 

New Jersey 

Compensation and Pension 

Estimated Veteran Population 484,750 

Disability Compensation Recipients 48,277 

Estimated Monthly Disability Compensation Costs $39,662,928 

Estimated Annual Disability Compensation Costs $475,955,140 

Disability Compensation by Age 34 and under 3,428

Disability Compensation by Age 35-54 9,648

Disability Compensation by Age 55-74 20,543

Disability Compensation by Age 75-84 8,944

Disability Compensation by Age 85 and over 5,714

Disability Pension Recipients 3,090 

Estimated Monthly Disability Pension Costs $2,354,861 

Estimated Annual Disability Pension Costs $28,258,332 

Disability Pension by Age under 45 29 

Disability Pension by Age 45-54 214 

Disability Pension by Age 55-69 1,152 

Disability Pension by Age 70-84 1,044 

Disability Pension by Age 85 and over 651 

Education 

MGIB-AD Trainees 3,748 

MGIB-SR Trainees 920 

DEA Trainees 834 

VEAP Trainees 9 

REAP Trainees 676 

Insurance 

Life Insurance Payments $58,081,675

Total Face Value of Insurance $521,937,120

Total Number of Policies 45,338

Loan Guaranty 

Number of Loans 1,238

Total Loan Amount $309,356,546 

Vocational Rehabilitation and Employment 

Number of Applicants 780

Number of Plans Developed 329

Number of Entitlement Decisions 408

Number of Veterans Rehabilitated through Independent Living 50

Number of Veterans Rehabilitated by Obtaining Suitable Employment 83
Veterans Benefits Administration Making a difference E33Appendices 

New Mexico 

Compensation and Pension 

Estimated Veteran Population 178,082 

Disability Compensation Recipients 28,700 

Estimated Monthly Disability Compensation Costs $32,862,121 

Estimated Annual Disability Compensation Costs $394,345,452 

Disability Compensation by Age 34 and under 2,073

Disability Compensation by Age 35-54 7,844

Disability Compensation by Age 55-74 13,978

Disability Compensation by Age 75-84 3,292

Disability Compensation by Age 85 and over 1,513

Disability Pension Recipients 2,690 

Estimated Monthly Disability Pension Costs $1,942,734 

Estimated Annual Disability Pension Costs $23,312,808 

Disability Pension by Age under 45 65 

Disability Pension by Age 45-54 251 

Disability Pension by Age 55-69 1,208 

Disability Pension by Age 70-84 780 

Disability Pension by Age 85 and over 386 

Education 

MGIB-AD Trainees 2,730 

MGIB-SR Trainees 382 

DEA Trainees 1,381 

VEAP Trainees 5 

REAP Trainees 225 

Insurance 

Life Insurance Payments $13,482,568

Total Face Value of Insurance $121,157,878

Total Number of Policies 10,589

Loan Guaranty 

Number of Loans 2,215

Total Loan Amount $416,500,317 

Vocational Rehabilitation and Employment 

Number of Applicants 633

Number of Plans Developed 214

Number of Entitlement Decisions 347

Number of Veterans Rehabilitated through Independent Living 107

Number of Veterans Rehabilitated by Obtaining Suitable Employment 70
E34 Annual Benefits Report FY 2008 Appendices 

New York 

Compensation and Pension 

Estimated Veteran Population 1,026,289 

Disability Compensation Recipients 105,631 

Estimated Monthly Disability Compensation Costs $85,810,171 

Estimated Annual Disability Compensation Costs $1,029,722,054 

Disability Compensation by Age 34 and under 9,075

Disability Compensation by Age 35-54 23,296

Disability Compensation by Age 55-74 45,812

Disability Compensation by Age 75-84 16,421

Disability Compensation by Age 85 and over 11,027

Disability Pension Recipients 14,523 

Estimated Monthly Disability Pension Costs $9,598,477 

Estimated Annual Disability Pension Costs $115,181,724 

Disability Pension by Age under 45 221 

Disability Pension by Age 45-54 1,231 

Disability Pension by Age 55-69 5,944 

Disability Pension by Age 70-84 4,565 

Disability Pension by Age 85 and over 2,562 

Education 

MGIB-AD Trainees 9,679 

MGIB-SR Trainees 1,823 

DEA Trainees 2,474 

VEAP Trainees 25 

REAP Trainees 1,222 

Insurance 

Life Insurance Payments $109,446,343

Total Face Value of Insurance $983,513,467

Total Number of Policies 85,036

Loan Guaranty 

Number of Loans 2,210

Total Loan Amount $356,674,874 

Vocational Rehabilitation and Employment 

Number of Applicants 2,336

Number of Plans Developed 1,084

Number of Entitlement Decisions 1,308

Number of Veterans Rehabilitated through Independent Living 169

Number of Veterans Rehabilitated by Obtaining Suitable Employment 217
Veterans Benefits Administration Making a difference E35Appendices 

North Carolina 

Compensation and Pension 

Estimated Veteran Population 772,264 

Disability Compensation Recipients 116,124 

Estimated Monthly Disability Compensation Costs $106,223,612 

Estimated Annual Disability Compensation Costs $1,274,683,348 

Disability Compensation by Age 34 and under 10,715

Disability Compensation by Age 35-54 41,801

Disability Compensation by Age 55-74 49,535

Disability Compensation by Age 75-84 10,209

Disability Compensation by Age 85 and over 3,864

Disability Pension Recipients 9,495 

Estimated Monthly Disability Pension Costs $6,163,274 

Estimated Annual Disability Pension Costs $73,959,288 

Disability Pension by Age under 45 122 

Disability Pension by Age 45-54 770 

Disability Pension by Age 55-69 3,492 

Disability Pension by Age 70-84 3,231 

Disability Pension by Age 85 and over 1,880 

Education 

MGIB-AD Trainees 10,423 

MGIB-SR Trainees 1,376 

DEA Trainees 3,938 

VEAP Trainees 13 

REAP Trainees 938 

Insurance 

Life Insurance Payments $47,708,129

Total Face Value of Insurance $428,717,728

Total Number of Policies 36,270

Loan Guaranty 

Number of Loans 13,156

Total Loan Amount $2,257,935,894 

Vocational Rehabilitation and Employment 

Number of Applicants 2,491

Number of Plans Developed 553

Number of Entitlement Decisions 767

Number of Veterans Rehabilitated through Independent Living 23

Number of Veterans Rehabilitated by Obtaining Suitable Employment 177
E36 Annual Benefits Report FY 2008 Appendices 

North Dakota 

Compensation and Pension 

Estimated Veteran Population 57,703 

Disability Compensation Recipients 8,898 

Estimated Monthly Disability Compensation Costs $6,717,420 

Estimated Annual Disability Compensation Costs $80,609,040 

Disability Compensation by Age 34 and under 949

Disability Compensation by Age 35-54 2,509

Disability Compensation by Age 55-74 3,843

Disability Compensation by Age 75-84 1,052

Disability Compensation by Age 85 and over 545

Disability Pension Recipients 918 

Estimated Monthly Disability Pension Costs $596,964 

Estimated Annual Disability Pension Costs $7,163,568 

Disability Pension by Age under 45 7 

Disability Pension by Age 45-54 63 

Disability Pension by Age 55-69 322 

Disability Pension by Age 70-84 341 

Disability Pension by Age 85 and over 185 

Education 

MGIB-AD Trainees 752 

MGIB-SR Trainees 578 

DEA Trainees 252 

VEAP Trainees 2 

REAP Trainees 329 

Insurance 

Life Insurance Payments $4,420,285

Total Face Value of Insurance $39,721,840

Total Number of Policies 3,566

Loan Guaranty 

Number of Loans 581

Total Loan Amount $80,953,894 

Vocational Rehabilitation and Employment 

Number of Applicants 266

Number of Plans Developed 148

Number of Entitlement Decisions 170

Number of Veterans Rehabilitated through Independent Living 25

Number of Veterans Rehabilitated by Obtaining Suitable Employment 62
Veterans Benefits Administration Making a difference E37Appendices 

Ohio 

Compensation and Pension 

Estimated Veteran Population 935,440 

Disability Compensation Recipients 89,747 

Estimated Monthly Disability Compensation Costs $67,662,889 

Estimated Annual Disability Compensation Costs $811,954,664 

Disability Compensation by Age 34 and under 7,543

Disability Compensation by Age 35-54 25,639

Disability Compensation by Age 55-74 39,265

Disability Compensation by Age 75-84 10,932

Disability Compensation by Age 85 and over 6,368

Disability Pension Recipients 15,666 

Estimated Monthly Disability Pension Costs $12,578,900 

Estimated Annual Disability Pension Costs $150,946,800 

Disability Pension by Age under 45 343 

Disability Pension by Age 45-54 1,776 

Disability Pension by Age 55-69 7,943 

Disability Pension by Age 70-84 3,608 

Disability Pension by Age 85 and over 1,996 

Education 

MGIB-AD Trainees 7,717 

MGIB-SR Trainees 2,693 

DEA Trainees 1,800 

VEAP Trainees 21 

REAP Trainees 1,605 

Insurance 

Life Insurance Payments $62,229,341

Total Face Value of Insurance $559,209,136

Total Number of Policies 50,157

Loan Guaranty 

Number of Loans 4,226

Total Loan Amount $654,747,520 

Vocational Rehabilitation and Employment 

Number of Applicants 1,987

Number of Plans Developed 603

Number of Entitlement Decisions 774

Number of Veterans Rehabilitated through Independent Living 11

Number of Veterans Rehabilitated by Obtaining Suitable Employment 168
E38 Annual Benefits Report FY 2008 Appendices 

Oklahoma 

Compensation and Pension 

Estimated Veteran Population 333,877 

Disability Compensation Recipients 59,769 

Estimated Monthly Disability Compensation Costs $65,414,841 

Estimated Annual Disability Compensation Costs $784,978,092 

Disability Compensation by Age 34 and under 5,220

Disability Compensation by Age 35-54 16,101

Disability Compensation by Age 55-74 28,638

Disability Compensation by Age 75-84 7,002

Disability Compensation by Age 85 and over 2,808

Disability Pension Recipients 6,814 

Estimated Monthly Disability Pension Costs $6,083,098 

Estimated Annual Disability Pension Costs $72,997,176 

Disability Pension by Age under 45 109 

Disability Pension by Age 45-54 612 

Disability Pension by Age 55-69 3,211 

Disability Pension by Age 70-84 2,003 

Disability Pension by Age 85 and over 879 

Education 

MGIB-AD Trainees 4,768 

MGIB-SR Trainees 1,265 

DEA Trainees 2,197 

VEAP Trainees 6 

REAP Trainees 669 

Insurance 

Life Insurance Payments $20,342,121

Total Face Value of Insurance $182,799,622

Total Number of Policies 16,423

Loan Guaranty 

Number of Loans 3,724

Total Loan Amount $550,112,686 

Vocational Rehabilitation and Employment 

Number of Applicants 1,489

Number of Plans Developed 532

Number of Entitlement Decisions 695

Number of Veterans Rehabilitated through Independent Living 31

Number of Veterans Rehabilitated by Obtaining Suitable Employment 242
Veterans Benefits Administration Making a difference E39Appendices 

Oregon 

Compensation and Pension 

Estimated Veteran Population 345,873 

Disability Compensation Recipients 44,651 

Estimated Monthly Disability Compensation Costs $45,355,305 

Estimated Annual Disability Compensation Costs $544,263,654 

Disability Compensation by Age 34 and under 4,623

Disability Compensation by Age 35-54 11,833

Disability Compensation by Age 55-74 20,680

Disability Compensation by Age 75-84 4,828

Disability Compensation by Age 85 and over 2,687

Disability Pension Recipients 4,457 

Estimated Monthly Disability Pension Costs $4,531,202 

Estimated Annual Disability Pension Costs $54,374,424 

Disability Pension by Age under 45 79 

Disability Pension by Age 45-54 622 

Disability Pension by Age 55-69 1,659 

Disability Pension by Age 70-84 1,391 

Disability Pension by Age 85 and over 706 

Education 

MGIB-AD Trainees 3,656 

MGIB-SR Trainees 760 

DEA Trainees 1,138 

VEAP Trainees 8 

REAP Trainees 410 

Insurance 

Life Insurance Payments $22,364,339

Total Face Value of Insurance $200,971,797

Total Number of Policies 17,646

Loan Guaranty 

Number of Loans 2,208

Total Loan Amount $497,675,117 

Vocational Rehabilitation and Employment 

Number of Applicants 1,493

Number of Plans Developed 594

Number of Entitlement Decisions 842

Number of Veterans Rehabilitated through Independent Living 15

Number of Veterans Rehabilitated by Obtaining Suitable Employment 229
E40 Annual Benefits Report FY 2008 Appendices 

Pennsylvania 

Compensation and Pension 

Estimated Veteran Population 1,025,770 

Disability Compensation Recipients 93,939 

Estimated Monthly Disability Compensation Costs $75,537,690 

Estimated Annual Disability Compensation Costs $906,452,274 

Disability Compensation by Age 34 and under 7,471

Disability Compensation by Age 35-54 22,837

Disability Compensation by Age 55-74 41,065

Disability Compensation by Age 75-84 13,835

Disability Compensation by Age 85 and over 8,731

Disability Pension Recipients 14,280 

Estimated Monthly Disability Pension Costs $11,683,397 

Estimated Annual Disability Pension Costs $140,200,764 

Disability Pension by Age under 45 214 

Disability Pension by Age 45-54 1,123 

Disability Pension by Age 55-69 5,618 

Disability Pension by Age 70-84 4,418 

Disability Pension by Age 85 and over 2,907 

Education 

MGIB-AD Trainees 8,182 

MGIB-SR Trainees 2,499 

DEA Trainees 2,096 

VEAP Trainees 21 

REAP Trainees 1,686 

Insurance 

Life Insurance Payments $88,260,907

Total Face Value of Insurance $793,135,598

Total Number of Policies 73,186

Loan Guaranty 

Number of Loans 3,494

Total Loan Amount $630,711,101 

Vocational Rehabilitation and Employment 

Number of Applicants 2,062

Number of Plans Developed 734

Number of Entitlement Decisions 992

Number of Veterans Rehabilitated through Independent Living 36

Number of Veterans Rehabilitated by Obtaining Suitable Employment 288
Veterans Benefits Administration Making a difference E41Appendices 

Rhode Island 

Compensation and Pension 

Estimated Veteran Population 76,726 

Disability Compensation Recipients 9,676 

Estimated Monthly Disability Compensation Costs $8,548,177 

Estimated Annual Disability Compensation Costs $102,578,128 

Disability Compensation by Age 34 and under 612

Disability Compensation by Age 35-54 2,221

Disability Compensation by Age 55-74 4,101

Disability Compensation by Age 75-84 1,637

Disability Compensation by Age 85 and over 1,105

Disability Pension Recipients 958 

Estimated Monthly Disability Pension Costs $757,166 

Estimated Annual Disability Pension Costs $9,085,992 

Disability Pension by Age under 45 11 

Disability Pension by Age 45-54 75 

Disability Pension by Age 55-69 357 

Disability Pension by Age 70-84 312 

Disability Pension by Age 85 and over 203 

Education 

MGIB-AD Trainees 605 

MGIB-SR Trainees 199 

DEA Trainees 258 

VEAP Trainees 3 

REAP Trainees 140 

Insurance 

Life Insurance Payments $6,945,494

Total Face Value of Insurance $62,414,027

Total Number of Policies 6,118

Loan Guaranty 

Number of Loans 157

Total Loan Amount $39,024,601 

Vocational Rehabilitation and Employment 

Number of Applicants 230

Number of Plans Developed 95

Number of Entitlement Decisions 121

Number of Veterans Rehabilitated through Independent Living 18

Number of Veterans Rehabilitated by Obtaining Suitable Employment 31
E42 Annual Benefits Report FY 2008 Appendices 

South Carolina 

Compensation and Pension 

Estimated Veteran Population 409,648 

Disability Compensation Recipients 59,455 

Estimated Monthly Disability Compensation Costs $55,580,783 

Estimated Annual Disability Compensation Costs $666,969,396 

Disability Compensation by Age 34 and under 5,131

Disability Compensation by Age 35-54 20,020

Disability Compensation by Age 55-74 26,939

Disability Compensation by Age 75-84 5,416

Disability Compensation by Age 85 and over 1,949

Disability Pension Recipients 7,203 

Estimated Monthly Disability Pension Costs $5,383,377 

Estimated Annual Disability Pension Costs $64,600,524 

Disability Pension by Age under 45 86 

Disability Pension by Age 45-54 470 

Disability Pension by Age 55-69 2,807 

Disability Pension by Age 70-84 2,489 

Disability Pension by Age 85 and over 1,351 

Education 

MGIB-AD Trainees 4,250 

MGIB-SR Trainees 1,222 

DEA Trainees 1,804 

VEAP Trainees 8 

REAP Trainees 713 

Insurance 

Life Insurance Payments $26,237,755

Total Face Value of Insurance $235,779,333

Total Number of Policies 20,698

Loan Guaranty 

Number of Loans 4,417

Total Loan Amount $793,277,231 

Vocational Rehabilitation and Employment 

Number of Applicants 1,876

Number of Plans Developed 648

Number of Entitlement Decisions 936

Number of Veterans Rehabilitated through Independent Living 28

Number of Veterans Rehabilitated by Obtaining Suitable Employment 263
Veterans Benefits Administration Making a difference E43Appendices 

South Dakota 

Compensation and Pension 

Estimated Veteran Population 73,504 

Disability Compensation Recipients 11,456 

Estimated Monthly Disability Compensation Costs $9,815,939 

Estimated Annual Disability Compensation Costs $117,791,268 

Disability Compensation by Age 34 and under 1,277

Disability Compensation by Age 35-54 3,470

Disability Compensation by Age 55-74 4,973

Disability Compensation by Age 75-84 1,185

Disability Compensation by Age 85 and over 551

Disability Pension Recipients 1,581 

Estimated Monthly Disability Pension Costs $1,090,863 

Estimated Annual Disability Pension Costs $13,090,356 

Disability Pension by Age under 45 22 

Disability Pension by Age 45-54 106 

Disability Pension by Age 55-69 560 

Disability Pension by Age 70-84 596 

Disability Pension by Age 85 and over 297 

Education 

MGIB-AD Trainees 789 

MGIB-SR Trainees 673 

DEA Trainees 290 

VEAP Trainees 2 

REAP Trainees 338 

Insurance 

Life Insurance Payments $5,785,285

Total Face Value of Insurance $51,988,086

Total Number of Policies 4,514

Loan Guaranty 

Number of Loans 748

Total Loan Amount $121,313,294 

Vocational Rehabilitation and Employment 

Number of Applicants 331

Number of Plans Developed 221

Number of Entitlement Decisions 241

Number of Veterans Rehabilitated through Independent Living 44

Number of Veterans Rehabilitated by Obtaining Suitable Employment 82
E44 Annual Benefits Report FY 2008 Appendices 

Tennessee 

Compensation and Pension 

Estimated Veteran Population 507,150 

Disability Compensation Recipients 68,165 

Estimated Monthly Disability Compensation Costs $58,882,217 

Estimated Annual Disability Compensation Costs $706,586,604 

Disability Compensation by Age 34 and under 5,828

Disability Compensation by Age 35-54 22,995

Disability Compensation by Age 55-74 30,361

Disability Compensation by Age 75-84 6,265

Disability Compensation by Age 85 and over 2,716

Disability Pension Recipients 8,735 

Estimated Monthly Disability Pension Costs $6,236,982 

Estimated Annual Disability Pension Costs $74,843,784 

Disability Pension by Age under 45 104 

Disability Pension by Age 45-54 721 

Disability Pension by Age 55-69 3,746 

Disability Pension by Age 70-84 2,714 

Disability Pension by Age 85 and over 1,450 

Education 

MGIB-AD Trainees 5,174 

MGIB-SR Trainees 1,391 

DEA Trainees 1,636 

VEAP Trainees 9 

REAP Trainees 759 

Insurance 

Life Insurance Payments $27,067,648

Total Face Value of Insurance $243,236,965

Total Number of Policies 20,971

Loan Guaranty 

Number of Loans 5,311

Total Loan Amount $867,686,672 

Vocational Rehabilitation and Employment 

Number of Applicants 1,641

Number of Plans Developed 518

Number of Entitlement Decisions 677

Number of Veterans Rehabilitated through Independent Living 23

Number of Veterans Rehabilitated by Obtaining Suitable Employment 231
Veterans Benefits Administration Making a difference E45Appendices 

Texas 

Compensation and Pension 

Estimated Veteran Population 1,705,311 

Disability Compensation Recipients 259,426 

Estimated Monthly Disability Compensation Costs $236,509,736 

Estimated Annual Disability Compensation Costs $2,838,116,830 

Disability Compensation by Age 34 and under 28,253

Disability Compensation by Age 35-54 83,219

Disability Compensation by Age 55-74 111,263

Disability Compensation by Age 75-84 25,777

Disability Compensation by Age 85 and over 10,914

Disability Pension Recipients 25,831 

Estimated Monthly Disability Pension Costs $19,716,006 

Estimated Annual Disability Pension Costs $236,592,072 

Disability Pension by Age under 45 594 

Disability Pension by Age 45-54 2,676 

Disability Pension by Age 55-69 11,610 

Disability Pension by Age 70-84 7,215 

Disability Pension by Age 85 and over 3,736 

Education 

MGIB-AD Trainees 29,686 

MGIB-SR Trainees 3,112 

DEA Trainees 7,423 

VEAP Trainees 32 

REAP Trainees 2,309 

Insurance 

Life Insurance Payments $103,182,069

Total Face Value of Insurance $927,221,061

Total Number of Policies 79,927

Loan Guaranty 

Number of Loans 22,179

Total Loan Amount $3,683,792,942 

Vocational Rehabilitation and Employment 

Number of Applicants 8,355

Number of Plans Developed 3,405

Number of Entitlement Decisions 4,296

Number of Veterans Rehabilitated through Independent Living 180

Number of Veterans Rehabilitated by Obtaining Suitable Employment 1,212
E46 Annual Benefits Report FY 2008 Appendices 

Utah 

Compensation and Pension 

Estimated Veteran Population 156,107 

Disability Compensation Recipients 17,340 

Estimated Monthly Disability Compensation Costs $13,928,701 

Estimated Annual Disability Compensation Costs $167,144,412 

Disability Compensation by Age 34 and under 2,104

Disability Compensation by Age 35-54 5,346

Disability Compensation by Age 55-74 7,028

Disability Compensation by Age 75-84 1,883

Disability Compensation by Age 85 and over 979

Disability Pension Recipients 1,324 

Estimated Monthly Disability Pension Costs $990,229 

Estimated Annual Disability Pension Costs $11,882,748 

Disability Pension by Age under 45 27 

Disability Pension by Age 45-54 133 

Disability Pension by Age 55-69 545 

Disability Pension by Age 70-84 381 

Disability Pension by Age 85 and over 238 

Education 

MGIB-AD Trainees 2,729 

MGIB-SR Trainees 1,064 

DEA Trainees 631 

VEAP Trainees 3 

REAP Trainees 741 

Insurance 

Life Insurance Payments $11,032,693

Total Face Value of Insurance $99,142,666

Total Number of Policies 8,855

Loan Guaranty 

Number of Loans 1,910

Total Loan Amount $411,467,405 

Vocational Rehabilitation and Employment 

Number of Applicants 416

Number of Plans Developed 323

Number of Entitlement Decisions 426

Number of Veterans Rehabilitated through Independent Living 23

Number of Veterans Rehabilitated by Obtaining Suitable Employment 106
Veterans Benefits Administration Making a difference E47Appendices 

Vermont

Compensation and Pension 

Estimated Veteran Population 54,306 

Disability Compensation Recipients 6,007 

Estimated Monthly Disability Compensation Costs $5,412,564 

Estimated Annual Disability Compensation Costs $64,950,768 

Disability Compensation by Age 34 and under 448

Disability Compensation by Age 35-54 1,693

Disability Compensation by Age 55-74 2,731

Disability Compensation by Age 75-84 744

Disability Compensation by Age 85 and over 391

Disability Pension Recipients 496 

Estimated Monthly Disability Pension Costs $300,635 

Estimated Annual Disability Pension Costs $3,607,620 

Disability Pension by Age under 45 5 

Disability Pension by Age 45-54 37 

Disability Pension by Age 55-69 228 

Disability Pension by Age 70-84 155 

Disability Pension by Age 85 and over 71 

Education 

MGIB-AD Trainees 508 

MGIB-SR Trainees 138 

DEA Trainees 133 

VEAP Trainees 1 

REAP Trainees 107 

Insurance 

Life Insurance Payments $3,823,575

Total Face Value of Insurance $34,359,644

Total Number of Policies 3,076

Loan Guaranty 

Number of Loans 146

Total Loan Amount $30,174,308 

Vocational Rehabilitation and Employment 

Number of Applicants 99

Number of Plans Developed 48

Number of Entitlement Decisions 54

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 10
E48 Annual Benefits Report FY 2008 Appendices 

Virginia 

Compensation and Pension 

Estimated Veteran Population 813,977 

Disability Compensation Recipients 117,717 

Estimated Monthly Disability Compensation Costs $88,972,623 

Estimated Annual Disability Compensation Costs $1,067,671,472 

Disability Compensation by Age 34 and under 10,238

Disability Compensation by Age 35-54 49,805

Disability Compensation by Age 55-74 45,017

Disability Compensation by Age 75-84 8,943

Disability Compensation by Age 85 and over 3,714

Disability Pension Recipients 5,833 

Estimated Monthly Disability Pension Costs $3,833,099 

Estimated Annual Disability Pension Costs $45,997,188 

Disability Pension by Age under 45 86 

Disability Pension by Age 45-54 513 

Disability Pension by Age 55-69 2,418 

Disability Pension by Age 70-84 1,877 

Disability Pension by Age 85 and over 939 

Education 

MGIB-AD Trainees 16,158 

MGIB-SR Trainees 1,343 

DEA Trainees 2,744 

VEAP Trainees 18 

REAP Trainees 1,230 

Insurance 

Life Insurance Payments $50,218,098

Total Face Value of Insurance $451,272,965

Total Number of Policies 36,997

Loan Guaranty 

Number of Loans 13,713

Total Loan Amount $3,653,453,964 

Vocational Rehabilitation and Employment 

Number of Applicants 2,540

Number of Plans Developed 466

Number of Entitlement Decisions 703

Number of Veterans Rehabilitated through Independent Living 2

Number of Veterans Rehabilitated by Obtaining Suitable Employment 258
Veterans Benefits Administration Making a difference E49Appendices 

Washington 

Compensation and Pension 

Estimated Veteran Population 640,419 

Disability Compensation Recipients 91,937 

Estimated Monthly Disability Compensation Costs $77,572,864 

Estimated Annual Disability Compensation Costs $930,874,367 

Disability Compensation by Age 34 and under 9,355

Disability Compensation by Age 35-54 32,525

Disability Compensation by Age 55-74 38,321

Disability Compensation by Age 75-84 7,884

Disability Compensation by Age 85 and over 3,852

Disability Pension Recipients 5,217 

Estimated Monthly Disability Pension Costs $3,913,331 

Estimated Annual Disability Pension Costs $46,959,972 

Disability Pension by Age under 45 119 

Disability Pension by Age 45-54 557 

Disability Pension by Age 55-69 2,670 

Disability Pension by Age 70-84 1,247 

Disability Pension by Age 85 and over 624 

Education 

MGIB-AD Trainees 8,712 

MGIB-SR Trainees 934 

DEA Trainees 2,064 

VEAP Trainees 15 

REAP Trainees 685 

Insurance 

Life Insurance Payments $38,038,725

Total Face Value of Insurance $341,825,929

Total Number of Policies 29,952

Loan Guaranty 

Number of Loans 8,059

Total Loan Amount $1,991,238,212 

Vocational Rehabilitation and Employment 

Number of Applicants 2,488

Number of Plans Developed 729

Number of Entitlement Decisions 1,051

Number of Veterans Rehabilitated through Independent Living 31

Number of Veterans Rehabilitated by Obtaining Suitable Employment 309
E50 Annual Benefits Report FY 2008 Appendices 

West Virginia 

Compensation and Pension 

Estimated Veteran Population 174,163 

Disability Compensation Recipients 24,534 

Estimated Monthly Disability Compensation Costs $27,137,747 

Estimated Annual Disability Compensation Costs $325,652,968 

Disability Compensation by Age 34 and under 2,004

Disability Compensation by Age 35-54 6,160

Disability Compensation by Age 55-74 12,465

Disability Compensation by Age 75-84 2,649

Disability Compensation by Age 85 and over 1,256

Disability Pension Recipients 3,901 

Estimated Monthly Disability Pension Costs $2,867,969 

Estimated Annual Disability Pension Costs $34,415,628 

Disability Pension by Age under 45 56 

Disability Pension by Age 45-54 365 

Disability Pension by Age 55-69 1,894 

Disability Pension by Age 70-84 1,167 

Disability Pension by Age 85 and over 419 

Education 

MGIB-AD Trainees 5,373 

MGIB-SR Trainees 946 

DEA Trainees 742 

VEAP Trainees 2 

REAP Trainees 1,040 

Insurance 

Life Insurance Payments $9,968,584

Total Face Value of Insurance $89,580,307

Total Number of Policies 8,068

Loan Guaranty 

Number of Loans 703

Total Loan Amount $127,387,162 

Vocational Rehabilitation and Employment 

Number of Applicants 538

Number of Plans Developed 302

Number of Entitlement Decisions 331

Number of Veterans Rehabilitated through Independent Living 4

Number of Veterans Rehabilitated by Obtaining Suitable Employment 94
Veterans Benefits Administration Making a difference E51Appendices 

Wisconsin 

Compensation and Pension 

Estimated Veteran Population 436,958 

Disability Compensation Recipients 50,093 

Estimated Monthly Disability Compensation Costs $42,097,900 

Estimated Annual Disability Compensation Costs $505,174,804 

Disability Compensation by Age 34 and under 5,438

Disability Compensation by Age 35-54 13,758

Disability Compensation by Age 55-74 21,583

Disability Compensation by Age 75-84 6,170

Disability Compensation by Age 85 and over 3,144

Disability Pension Recipients 5,507 

Estimated Monthly Disability Pension Costs $4,230,575 

Estimated Annual Disability Pension Costs $50,766,900 

Disability Pension by Age under 45 83 

Disability Pension by Age 45-54 540 

Disability Pension by Age 55-69 2,268 

Disability Pension by Age 70-84 1,605 

Disability Pension by Age 85 and over 1,011 

Education 

MGIB-AD Trainees 4,173 

MGIB-SR Trainees 1,606 

DEA Trainees 1,242 

VEAP Trainees 10 

REAP Trainees 1,396 

Insurance 

Life Insurance Payments $37,677,695

Total Face Value of Insurance $338,581,621

Total Number of Policies 29,873

Loan Guaranty 

Number of Loans 1,700

Total Loan Amount $289,272,491 

Vocational Rehabilitation and Employment 

Number of Applicants 1,128

Number of Plans Developed 319

Number of Entitlement Decisions 377

Number of Veterans Rehabilitated through Independent Living 16

Number of Veterans Rehabilitated by Obtaining Suitable Employment 165
E52 Annual Benefits Report FY 2008 Appendices 

Wyoming 

Compensation and Pension 

Estimated Veteran Population 56,141 

Disability Compensation Recipients 7,263 

Estimated Monthly Disability Compensation Costs $5,718,742 

Estimated Annual Disability Compensation Costs $68,624,908 

Disability Compensation by Age 34 and under 800

Disability Compensation by Age 35-54 2,343

Disability Compensation by Age 55-74 3,155

Disability Compensation by Age 75-84 664

Disability Compensation by Age 85 and over 301

Disability Pension Recipients 526 

Estimated Monthly Disability Pension Costs $373,275 

Estimated Annual Disability Pension Costs $4,479,300 

Disability Pension by Age under 45 9 

Disability Pension by Age 45-54 58 

Disability Pension by Age 55-69 258 

Disability Pension by Age 70-84 136 

Disability Pension by Age 85 and over 65 

Education 

MGIB-AD Trainees 679 

MGIB-SR Trainees 207 

DEA Trainees 126 

VEAP Trainees 1 

REAP Trainees 127 

Insurance 

Life Insurance Payments $3,211,792

Total Face Value of Insurance $28,862,006

Total Number of Policies 2,363

Loan Guaranty 

Number of Loans 720

Total Loan Amount $143,153,892 

Vocational Rehabilitation and Employment 

*VR&E numbers are included in Colorado data.
Veterans Benefits Administration Making a difference E53Appendices 

Puerto Rico

Compensation and Pension 

Estimated Veteran Population 119,296

Disability Compensation Recipients 21,335 

Estimated Monthly Disability Compensation Costs $24,858,825 

Estimated Annual Disability Compensation Costs $298,305,900 

Disability Compensation by Age 34 and under 1,382

Disability Compensation by Age 35-54 6,281

Disability Compensation by Age 55-74 9,811

Disability Compensation by Age 75-84 3,029

Disability Compensation by Age 85 and over 832

Disability Pension Recipients 12,107 

Estimated Monthly Disability Pension Costs $7,686,651 

Estimated Annual Disability Pension Costs $92,239,812 

Disability Pension by Age under 45 35 

Disability Pension by Age 45-54 221 

Disability Pension by Age 55-69 1,939 

Disability Pension by Age 70-84 7,434 

Disability Pension by Age 85 and over 2,478 

Education 

MGIB-AD Trainees 929 

MGIB-SR Trainees 1,063 

DEA Trainees 1,645 

VEAP Trainees 4 

REAP Trainees 901 

Insurance 

Life Insurance Payments $4,272,551

Total Face Value of Insurance $38,394,259

Total Number of Policies 3,923

Loan Guaranty 

Number of Loans 420

Total Loan Amount $72,224,543 

Vocational Rehabilitation and Employment 

Number of Applicants 632

Number of Plans Developed 172

Number of Entitlement Decisions 245

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 68
E54 Annual Benefits Report FY 2008 Appendices 

Philippines 

Compensation and Pension 

Disability Compensation Recipients 4,845 

Estimated Monthly Disability Compensation Costs $6,064,103 

Estimated Annual Disability Compensation Costs $72,769,236 

Disability Compensation by Age 34 and under 82

Disability Compensation by Age 35-54 675

Disability Compensation by Age 55-74 1,543

Disability Compensation by Age 75-84 687

Disability Compensation by Age 85 and over 1,858

Disability Pension Recipients 678 

Estimated Monthly Disability Pension Costs $792,726 

Estimated Annual Disability Pension Costs $9,512,712 

Disability Pension by Age under 45 4 

Disability Pension by Age 45-54 24 

Disability Pension by Age 55-69 310 

Disability Pension by Age 70-84 153 

Disability Pension by Age 85 and over 187 

Education 

MGIB-AD Trainees 317 

MGIB-SR Trainees 0

DEA Trainees 8 

VEAP Trainees 0 

REAP Trainees 0 

Insurance 

Life Insurance Payments $586,741

Total Face Value of Insurance $5,272,607

Total Number of Policies 502

Vocational Rehabilitation and Employment 

Number of Applicants 60

Number of Plans Developed 36

Number of Entitlement Decisions 49

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 12
Veterans Benefits Administration Making a difference E55Appendices 

Other Foreign 

Compensation and Pension 

Estimated Veteran Population 108,521

Disability Compensation Recipients 19,601 

Estimated Monthly Disability Compensation Costs $11,802,047 

Estimated Annual Disability Compensation Costs $141,624,566 

Disability Compensation by Age 34 and under 1,682

Disability Compensation by Age 35-54 8,869

Disability Compensation by Age 55-74 7,327

Disability Compensation by Age 75-84 1,278

Disability Compensation by Age 85 and over 445

Disability Pension Recipients 804 

Estimated Monthly Disability Pension Costs $650,577 

Estimated Annual Disability Pension Costs $7,806,923 

Disability Pension by Age under 45 11 

Disability Pension by Age 45-54 37 

Disability Pension by Age 55-69 282 

Disability Pension by Age 70-84 315 

Disability Pension by Age 85 and over 159 

Education 

MGIB-AD Trainees 18,800 

MGIB-SR Trainees 3,244 

DEA Trainees 426 

VEAP Trainees 47 

REAP Trainees 2,563 

Insurance 

Life Insurance Payments $3,459,959

Total Face Value of Insurance $31,092,093

Total Number of Policies 2,307

Loan Guaranty 

Number of Loans 149

Total Loan Amount $39,697,530 

Veterans Benefits Administration Making a difference F1Index

Index

Index to Tables and Charts

Compensation and Pension 3

Quick Reference Guide 5

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits

in Fiscal Year 2008 6

Summary of Active Compensation and Pension Benefit Accounts

at the End of Fiscal Year 2008 6

Veterans Who Began Receiving Disability Compensation by Combined Degree 

During Fiscal Year 2008 7

Five Year Comparison of Combined Degree of Service-Connected Disabilities 

for Veterans Who Began Receiving Compensation 7

Most Prevalent Service-Connected Disabilities for Veterans Who Began Receiving 

Compensation During Fiscal Year 2008 8–9

Total Number of Service-Connected Disability Benefits by Combined Percent of

Disability for Veterans Receiving Compensation — End of Fiscal Year 2008 8

Five Year Comparison of Service-Connected Disabilities by Body System 

for Veterans Who Began Receiving Compensation — by Fiscal Year 9

Total Number of Veterans with Service-Connected Disabilities Receiving Compensation

by Combined Percent - Five Fiscal Years 10

Age of Veterans Who Began Receiving Service-Connected Compensation During 

 Fiscal Year 2008 10

Age of Veterans Receiving Service-Connected Compensation End of Fiscal Year 2008 10

Total Individual Service-Connected Disabilities by Evaluation for Veterans Receiving 

Compensation End of Fiscal Year 2008 11

Frequency of Individual Service-Connected Disabilities by Body System for Veterans 

Receiving Compensation End of Fiscal Year 2008 11

Five-Year Comparison of Individual Service-Connected Disabilities by Body System for 

Veterans Receiving Compensation End of Fiscal Year 12

Total Service-Connected Disabilities for Veterans Receiving Compensation End of Fiscal 

Year 2008 by Percent and Body System 13–14

Most Prevalent Service-Connected Disabilities 14–15

Most Prevalent Disabilities for Veterans Receiving Compensation 

End of Fiscal Year 2008 16

Total Veterans Receiving Service-Connected Disability Benefits End of Fiscal Year 2008 16

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2008 17–18

Service-Connected Disabilities at the End of Fiscal Year 2008 by Period of Service 18

Total Beneficiaries Receiving DIC by Relationship End of Fiscal Year 2008 19

Total Beneficiaries Who Began Receiving DIC from Fiscal Year 2004- 2008 19

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2008 19

Age of Children Who Began Receiving DIC Benefits in Fiscal Year 2008 19
F2 Annual Benefits Report FY 2008 Index

Total Beneficiaries Receiving Service-Connected Death Benefits by Period of Service

End of Fiscal Year 2008 20

Surviving Spouses Receiving DIC by Age End of Fiscal Year 2008 20

Children Receiving DIC by Age End of Fiscal Year 2008 20

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2008 21

Total Veterans Receiving Disability Pension End of Fiscal Year 2008 21

Disability Pension by Period of Service End of Fiscal Year 2008 22

Number of Veterans Who Began Receiving Disability Pension Benefits During Fiscal

Year 2008 by Age 22

Veterans Receiving Disability Pension End of Fiscal Year 2008 by Age 22

Beneficiaries Who Began Receiving Death Pension During Fiscal Year 2008 by Program 23

Total Beneficiaries Receiving Death Pension by Program End of Fiscal Year 2008 23

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2008 by Age 23

Surviving Spouses Receiving Death Pension End of Fiscal Year 2008 by Age 24

Death Pension by Period of Service End of Fiscal Year 2008 24

Number of Beneficiaries by Payee Type 25

Benefits Paid by Benefit Program 25

Relationship of Fiduciary 25

Education 26

Quick Reference Guide 29

Beneficiaries by Program Fiscal Year 2004-2008 29

New Education Beneficiaries by Program, Fiscal Year 2008 29

New Education Beneficiaries by Training Type and Program, Fiscal Year 2008 29

Training Available Under Education Benefit Programs 30

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2008 31

Beneficiaries Who Began Receiving Education Benefits by Fiscal Year 31

Beneficiaries Who Received Education Benefits by Fiscal Year 31

Beneficiaries Who Began Receiving Education Benefits by Type of Training and Program

During Fiscal Year 2008 32

Beneficiaries Who Began Receiving Education Benefits by Training Time and Program

During Fiscal Year 2008 32

Beneficiaries Whose Benefits Terminated During Each Fiscal Year 2004 - 2008 33

Beneficiaries Whose Benefits Terminated During Fiscal Year 2008 by Reason 33

Unique Trainees and Payments ($000) 34

Insurance 35

Quick Reference Guide 36

Lives Insured 36

Benefits Paid 36

Death Awards (Number) 37

Death Awards (Amount) 37

Compensation and Pension (continued)
Veterans Benefits Administration Making a difference F3Index

Operations Statistics-Administered 37

Programs That No Longer Issue Coverage 38

Programs That Issue Coverage 38

2008 Rankings by Total Life Insurance In-Force 39

New Life Insurance Coverage Issued During Fiscal Year 2008 40

New Life Insurance Coverage Issued Comparative Information for Five Fiscal Years 41

Policy Lapses During Fiscal Year 2008 41

Lump-Sum Payments Made During Fiscal Year 2008 – To Policyholders 42

Life Insurance Dividends Payments - Comparative Information for Five Fiscal Years 43

Lump-Sum Payments Made During Fiscal Year 2008 – To Beneficiaries 43

Number of Death Claims Paid - Comparative Information for Five Fiscal Years 44

Insurance Monthly Installment Award Payments to Policyholders - End Fiscal Year 2008 44, 

Insurance Monthly Installment Award Payments to Beneficiaries - End Fiscal Year 2008 45

Total Insurance Policies In-Force - End of Fiscal Year 2008 45

Life Insurance Policies In Force - Comparative Information for Five Fiscal Years 45

Age Distribution for Insurance Programs 46

SGLI Coverage by Branch and Component of Service 47

SGLI Coverage by Coverage Level - Active Duty and Reserve Duty 48

FSGLI Spousal Coverage by Coverage Level - Active Duty and Reserve Duty 48

Loan Guaranty 49

Quick Reference Guide 51

VA Home Loans Guaranteed Over the Past Five Years 51, 54

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria 52

Types and Characteristics of Loans Guaranteed in Fiscal Year 2008 53

Five-Year Trend of Loans Guaranteed by Status 53

VA Home Loans Guaranteed Over the Past Five Years 54

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2008 54

Loans Guaranteed During Fiscal Year 2008 by Period of Service/Entitlement 55

Five Year Trend of Loans Guaranteed by Entitlement 56

Home Loans Guaranteed During Fiscal Year 2008 Based on Gender and Age 56

Purchase Loans Guaranteed During Fiscal Year 2008 Based on Annual Income 57

Number of Loans Guaranteed Five Fiscal Years by Age 57

Percent of Loans Guaranteed by Age Last Five Fiscal Years 58

Loans Guaranteed During Fiscal Year 2008 by Race 58

Select Five Year Trend of Loans Guaranteed by Race 58
F4 Annual Benefits Report FY 2008 Index

Vocational Rehabilitation and Employment 59

Quick Reference Guide 61

Vocational Rehabilitation and Employment Activities Fiscal Year 2008 62

Vocational Rehabilitation and Employment Activities by Age Fiscal Year 2008 62

Vocational Rehabilitation and Employment Activities by Prior Education Level 

Fiscal Year 2008 63

Vocational Rehabilitation and Employment Activities by Branch of Service 

Fiscal Year 2008 63

Vocational Rehabilitation and Employment Activities by Period of Service 

Fiscal Year 2008 63

Vocational Rehabilitation and Employment Activities by Length of Service 

Fiscal Year 2008 63

Vocational Rehabilitation and Employment Activities by Combined Service-Connected 

Disability Rating Fiscal Year 2008 64

Veterans with Serious Employment Handicaps Fiscal Year 2008 64

Veterans Participating in a Vocational Training Program 

During Fiscal Year 2008 65

Veterans Successfully Rehabilitated Pre and Post Annual Earnings by Occupational 

Category Fiscal Year 2008 66

Internet Homepage http://www.vba.va.gov

Department of Veterans Affairs

Veterans Benefits Administration

810 Vermont Avenue N.W.

Washington, D.C. 20420