THE UNDER SECRETARY OF VETERANS AFFAIRS FOR BENEFITS

WASHINGTON, D.C. 20420

Dear Reader:

I am pleased to present the Veterans Benefits Administration Annual Benefits Report

for Fiscal Year 2000. In the report you will find information on VBA’s new business

during fiscal year 2000, active accounts at the beginning of fiscal year 2001, and

projections of compensation program usage and associated financial obligations to

veterans and their survivors beyond FY 2000.

In this, our third publication of the Annual Benefits Report, we continue to strive to

provide stakeholders and business partners with comprehensive data that accounts for

the activity in each of VBA’s benefits programs. The report represents an integral part

of our commitment to comply with the professional standards of accountability and the

spirit of program disclosure reporting embodied in the Chief Financial Officer’s Act and

the Government Performance and Results Act. In the report, we present multiple series

of data-driven reports that respond to these two acts and, at the same time,

demonstrate the tangible fulfillment of VBA’s mission of providing benefits and services

to veterans and their dependents.

While the Annual Benefits Report contains a wealth of statistical data, we in VBA and VA

know that behind the numbers are the veterans who answered the call to serve our

Nation. Purposefully, we have bound this report in a cover that speaks directly to those

who have served, most notably those injured in battle. In honor of these heroes we have

included a narrative about the evolution of a soldier’s medal from the Badge of Military

Merit to the World War I Wound Certificate into today’s Purple Heart.

The Annual Benefits Report has become an essential information tool for those in the

business of serving America’s veterans. I am interested in hearing from you as to how we

might improve it in future editions.

Joseph Thompson
Veterans Benefits Administration

Annual Benefits Report

Fiscal Year 2000

February 2001
i

TABLE OF CONTENTS

CHAPTER 1

AN INTRODUCTION TO THE VETERANS BENEFITS ADMINISTRATION AND

ITS BENEFITS PROGRAMS

Veterans Benefit Administration – Mission And Vision..................................................................... Page 1

Introduction & Purpose Of VBA’s Annual Benefits Report .........................................................................1

Veterans Benefits – Evolution Of Veterans benefits...................................................................................2

VBA’s Benefits Programs - In Brief.............................................................................................................8

CHAPTER 2

BUSINESS DURING FISCAL YEAR 2000

Beneficiaries Entering the Programs - New Business

Summary Of All Programs............................................................................................... Page 15

Compensation – Disability .........................................................................................................17

Compensation – Death .............................................................................................................37

Pension – Disability....................................................................................................................40

Pension – Death ........................................................................................................................41

Education...................................................................................................................................43

Life Insurance ............................................................................................................................45

Home Loan Guaranty ................................................................................................................47

Vocational Rehabilitation And Employment...............................................................................52

Beneficiaries Leaving The Programs – Transitions

Summary Of All Programs.........................................................................................................65

Compensation – Disability .........................................................................................................67

Compensation – Death..............................................................................................................68

Pension – Disability....................................................................................................................69

Pension – Death ........................................................................................................................70

Education...................................................................................................................................71

Life Insurance ............................................................................................................................72

Home Loan Guaranty ................................................................................................................73

Vocational Rehabilitation And Employment...............................................................................74

CHAPTER 3

BUSINESS BEGINNING FISCAL YEAR 2001

Summary Of All Programs ..............................................................................................................Page 79

Compensation – Disability........................................................................................................................ 80

Compensation – Death .......................................................................................................................... 100

Pension – Disability................................................................................................................................ 104

Pension – Death..................................................................................................................................... 106

Education ............................................................................................................................................... 107

Life Insurance ........................................................................................................................................ 109

Home Loan Guaranty............................................................................................................................. 115

Vocational Rehabilitation And Employment ........................................................................................... 119
ii

CHAPTER 4

THE FUTURE – FORECASTING PROGRAM LIABILITIES

Forecasting Of Program Liabilities ...............................................................................Page 125

Liability For Future Compensation Benefits............................................................................126

Table 2 – Estimated Future Compensation Benefits................................................................128

Table 3 – Discounted Estimated Future Compensation Payments..............................................130

Table 4 – Veterans Receiving Compensation........................................................................131

Table 5 – Death Rates......................................................................................................133

Table 6 – Rates Of Newly Adjudicated Compensation Cases....................................................135

APPENDICES

Appendix A – Geographic Distribution Benefit Maps....................................................... Page 137

Appendix B - VBA Regional Office Addresses ........................................................................176

Appendix C – Contacting VA By Telephone ...........................................................................180

Appendix D - Web Sites .....................................................................................................181

INDEX

Index .....................................................................................................................Page 183

Index To Tables................................................................................................................ 191

Index To Maps..................................................................................................................198

Glossary.......................................................................................................................... 199
CHAPTER 1

AN INTRODUCTION TO

THE VETERANS BENEFITS ADMINISTRATION

AND ITS BENEFITS PROGRAMS

 VETERANS BENEFITS ADMINISTRATION - ITS MISSION AND VISION

VBA’s 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.

VBA’s 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.

PURPOSE OF VBA’S ANNUAL BENEFITS REPORT

The purpose of this report is to identify the current level of program participation by eligible

persons and to profile the veteran/beneficiary consumers. The objective of this report is not to

analyze work processes associated with day-to-day administration of the benefit programs.

Rather, it is meant:

• To present a clear, complete, data-driven picture of the extent to which veterans and

their dependents use these benefits;

• To provide insights into the nature of the benefits programs; and

• To portray the economic impact of VBA programs on veterans, their families, and

the Federal government.
Chapter 1 Introduction

2

This report does not duplicate information published in the Annual Report of the Secretary of

Veterans Affairs. Rather, this report provides additional information that lends perspective,

context, and detail to existing descriptions of the benefits programs.

VETERANS BENEFITS – Evolution of Veterans Benefits1

Veterans benefits represent an integral part of American history. Knowledge of benefits

history is critical information for all those who are interested in understanding what VBA does

and why.

American Colonies & Early Wars. From the beginning, the English colonies in North America

provided pensions for disabled veterans. In 1636, the Pilgrims of Plymouth enacted the first

pension law in the colonies which provided money to those disabled defending the colony

against Indians. Other colonies followed Plymouth’s example.

In 1776, the Continental Congress encouraged enlistments during the Revolutionary War by

providing pensions in cases of loss of limb or other serious disability. However, because the

Continental Congress did not have the authority or the funds to make payments, disbursement

of money was left to individual states. With the ratification of the U.S. Constitution, the first

Congress assumed the responsibility of paying veterans benefits. In 1789, the first federal

pension legislation was passed and continued the pension law passed by the Continental

Congress.

By 1816, there were 2,200 pensioners. With a growing cost of living and a surplus in the

Treasury, Congress raised allowances for all disabled veterans and extended benefits to

dependents and survivors of the War of 1812.

Prior to 1818, pensions were granted only to disabled veterans. The 1818 Service Pension

Law introduced the concept of providing pensions on the basis of need. The law provided

needy veterans of the War for Independence with a fixed pension for life; $20 a month for

officers and $8 a month for enlisted men. By 1820, the number of pensioners had increased

to 17,730.

Civil War. When the Civil War broke out in 1861, the nation had about 80,000 war veterans.

By the end of the war in 1865, there were an additional 1.9 million veterans. This included only

Union veterans. Confederate soldiers received no federal veterans benefits until 1958, when

Congress pardoned Confederate service members and extended benefits to the single

remaining survivor.

 

1

 Unless otherwise noted, information in this section was derived from VA History in Brief, VA Pamphlet 80-97-2, September 1997
Chapter 1 Introduction

3

The General Pension Act of 1862 provided disability payments based on rank and degree of

disability and liberalized benefits for widows, children, and dependent relatives. The law

covered not only military service during the Civil War, but also peacetime service. For the first

time, the law provided for compensation for diseases, such as tuberculosis, incurred while in

service. Union veterans were assigned a special priority in the Homestead Act of 1862 which

provided Western land at $1.25 an acre.

The 1873 Consolidated Act revised pension legislation paying on the basis of degree of

disability rather than service rank. The concept of aid and attendance was introduced with this

Act, paying a disabled veteran to hire a nurse or a housekeeper.

Until 1890, Civil War pensions were granted only to servicemen discharged because of illness

or disability attributable to military service. The Dependent Pension Act of 1890 broadened

the scope of eligibility, providing pensions to veterans incapable of manual labor. Within the

next three years, the number of veterans on the pension roll increased from 489,000 to

996,000 and expenditures doubled. The legislation passed in the 19th century established a

general pension system that could be applied to future pension recipients. It was, therefore,

not necessary to pass new pension laws following the Spanish-American War in 1898 or the

Philippine Insurrection, 1899 to 1901.

The Sherwood Act of 1912 authorized pension at age 62 to veterans of the Mexican War and

Civil War,2

 regardless of whether they were sick or disabled. Records show that of the

429,354 Civil War veterans on the pension rolls in 1914, only 52,572 qualified on the basis of

disability.

World War I (WWI). 4.7 million Americans fought in World War I. Of these, 116,000 died in

service and 204,000 were wounded. Even before the United States entered the war,

Congress passed the War Risk Insurance Act of 1914 to insure American ships and their

cargoes. The War Risk law was amended in mid-1917 to provide insurance against loss of

life, personal injury or capture by the enemy of personnel on board American merchant ships.

The amended law also offered government-subsidized life insurance for veterans.

Among the provisions of the War Risk Insurance Act Amendments of 1917 was authority to

establish courses for rehabilitation and vocational training for veterans with dismemberment,

sight, hearing, and other permanent disabilities. The program re-trained persons injured

during military service for new jobs.

After December 24, 1919, all claims and payments related to a disability or death from World

War I were regarded as compensation rather than pension. This was reversed in March 1933,

when all payments to veterans were again regarded as pensions. It was not until World War II

that the distinction between compensation and pension again was used.

 

2

 Union veterans only.
Chapter 1 Introduction

4

The World War Adjusted Compensation Act of 1924, popularly known as the Bonus Act,

provided a bonus to the veteran dependent upon the number of days served on active duty.

All veterans whose service exceeded 50 days were given 20-year paid-up endowment life

insurance certificates. The principal for these certificates became payable in 1945. During the

Great Depression, legislation was passed that gave veterans the right to borrow against bonus

certificates for as much as 50 percent of their value.

In 1933, in response to the Great Depression, the Economy Act was passed. The Economy

Act repealed all previous laws granting benefits for veterans of the Spanish-American War, all

subsequent conflicts, and periods of peacetime service. The law also gave the President the

authority to issue new benefits. With that authority, President Roosevelt issued regulations

radically reducing veterans benefits. When the President’s authority to establish benefits by

executive order expired in 1935, Congress reenacted most of the earlier laws.

World War II (WWII). In 1940, with war on the horizon, Congress created a new insurance

program, National Service Life Insurance, for servicemen and veterans. The Selective

Training and Service Act of 1940, which authorized the nation’s first peacetime draft,

guaranteed reemployment rights to everyone who left a job to join the armed forces.

The Disabled Veterans Rehabilitation Act of 1943 established a vocational rehabilitation

program for disabled World War II veterans who served after December 6, 1941. As a result

of this law, VA provided 621,000 disabled World War II veterans with job training.

During the war, public sentiment grew to help World War II veterans return to civilian life.

Some 671,817 men and women had been wounded, and 405,399 had been killed. Hundreds

of thousands of dependents were left in need. In 1944, Congress responded with the

Servicemen’s Readjustment Act, the “GI Bill of Rights.” There were three key provisions:

• Benefits for up to four years of education or training;

• Federally guaranteed home, farm, and business loans with no down payment;

• Unemployment compensation designed to ease the unemployment market.

The GI Bill transformed the economy and society of the United States. It contributed more

than any other program in history to the welfare of veterans and their families, and to the

growth of the nation’s economy. When the program ended In 1956, 7.8 million veterans had

received some kind of training, and VA had guaranteed 5.9 million home loans totaling $50.1

billion.

Following World War II, the total veteran population jumped to more than 15 million within a

few months.
Chapter 1 Introduction

5

Korean Conflict (KC). Some 6.8 million active military service persons participated in the

Korean Conflict creating new veterans in addition to millions who came home from World

War II.

The Vocational Rehabilitation Act of 1950 reactivated vocational rehabilitation for veterans of

the Korean Conflict and extended the program to peacetime veterans. During this period,

service members were covered, at no cost to themselves, by Servicemen’s Indemity, which

paid a $10,000 death payment, and Veterans The Veterans Readjustment Assistance Act of

1952 provided unemployment insurance, job placement, home loans, and additional benefits

similar to those offered to World War II veterans. Education benefits authorized Korean

Conflict veterans were less than those offered World War II veterans and more restrictive. As

a result, benefits no longer completely covered the cost of the veteran’s education.

The number of beneficiaries on the compensation and pension rolls continued to grow rapidly

during the Korean Conflict. Each month a total of 2.5 million veterans and dependents

received benefits.

The Veterans Pension Act of 1959 introduced a sliding-scale pension program based on the

recipient’s income, rather than a flat-rate pension. The law specified that anyone already on

the rolls as of June 30, 1960, could continue to receive benefits under the prior law, now

referred to as “old law” pension.

Vietnam Era (VE). More than 9 million men and women served during the Vietnam Era. At

first, benefits for veterans of the Vietnam Era were limited to those who served between

August 5, 1964, and May 7, 1975. Congress later expanded the period to February 28, 1961,

for those who served in country.

A major difference of Vietnam-era veterans from those of earlier wars was the larger

percentage of disabled veterans that surfaced from this war. Advances in airlift and medical

treatment meant that more wounded and injured personnel survived.

The veteran’s return within days from combat zones to civilian life was also new, creating

cultural shock that required greater adjustment. The anti-war climate at home also presented

special readjustment problems.

The nation responded to the problems of Vietnam veterans with a number of programs. In

1966, Congress passed the Veterans Readjustment Benefit Act, which restored educational

benefits to veterans. The education program for Vietnam veterans was highly successful. By

1980, the Veterans Readjustment Benefits Act of 1966 had trained 5.5 million veterans.

A second program for Vietnam veterans was Servicemen’s Group Life Insurance. The

program began with $10,000 maximum coverage. Over the years, this was increased to the

December 1992 maximum of $200,000. Similar coverage was extended to veterans under the

Veterans Group Life Insurance program.
Chapter 1 Introduction

6

In 1971, Congress enacted the Veterans Mortgage Life Insurance program which provided life

insurance for severely disabled veterans and allowed for specially adapted housing grants to

accommodate their disabilities. The life insurance’s maximum mortgage coverage of $30,000

increased in 1992 to $90,000.

In the field of vocational rehabilitation, a fundamental change was taking place. This change,

enacted with legislation in 1980, provided disabled veterans with training for suitable

employment and independence in daily living.

A special medical issue of the Vietnam War was health problems resulting from exposure to

the herbicide known as Agent Orange. At first, the only legislatively recognized condition

related to Agent Orange was for a skin rash, chloracne. In 1991, two additional conditions,

soft-tissue sarcoma and non-Hodgkin’s lymphoma, were recognized as service-connected

conditions. The Agent Orange Act of 1991 recognized presumptive service connection for

disabilities resulting from exposure to herbicides used in Vietnam. As a result, this list of

diseases for which service-connection may be granted continues to expand.

A scientific study reported evidence that children of Vietnam veterans face an elevated risk of

the birth defect spina bifida. As of October 1997, children of Vietnam veterans with spina

bifida were provided assistance, which varies with the severity of the disorder.

Public Law 106-419, Veterans Benefits and Healthcare Improvement Act of 2000 authorized

the payment of monetary benefits beginning December 1, 2001, to certain children of female

veterans who served in Vietnam. There are three eligibility requirements. To be eligible, the

child must:

• Be the biological child of a female veteran who served in the Republic of

Vietnam;

• Have been conceived after the date the veteran served in the Republic of

Vietnam during the Vietnam era; and

• Have certain birth defects to be identified by the Secretary resulting in

permanent physical or mental disabilitiy.

Post-Vietnam Era. In 1976, Congress eliminated the draft. This led to a reexamination of the

rationale behind veterans benefits. It was argued by some that citizens who were drafted to

serve in war were owed a greater debt by the nation than those who volunteered during

peacetime. According to this reasoning, there should be a greater focus on using veterans

benefits to attract enlistees rather than compensate veterans. A shift in emphasis to attract

enlistees resulted in the Post-Vietnam Era Veterans Educational Assistance Act of 1977. This

program called VEAP, provided that any service member could contribute up to $2,700 to an

educational fund and that the federal government would match the contribution with two

dollars for every one contributed. Proponents of the measure argued that the program would

attract more enlistees and improve retention rate.
Chapter 1 Introduction

7

The number of veterans eligible for pensions grew rapidly between 1960 and 1978. World

War II veterans were reaching age 65. This is the age when a vast majority of veterans were

presumed to be disabled because of their age. The number of pension recipients jumped

from 89,526 in 1960 to 691,045 in 1978. The number of pension beneficiaries projected for

the 1990s was larger. To address the accelerating cost of pensions, in 1978, Congress

passed the Veterans and Survivors’ Pension Improvement Act. Under this law, the family

income is a factor and there are lower income exclusions. As a result, fewer veterans qualify

for pension.

In response to military recruiting shortfalls, Congress passed the Veterans Educational

Assistance Act of 1984, popularly known as the Montgomery GI Bill. The law provided

educational assistance benefits of $300 a month for 36 months, in exchange for either three

years of active duty or two years of active duty with an additional four years in the reserve.

The service member had to agree to have his/her pay reduced $100 a month for the first 12

months of enlistment. The money was nonrefundable. Reservists could qualify for a

maximum of 36 months of educational assistance by agreeing to serve in the Selected

Reserve for six or more years.

The 1980s saw some streamlining of benefits by Congress. A minimum length of service

requirement was introduced determining eligibility for most VA benefits through the Omnibus

Budget Reconciliation Act of 1990. This legislation weighed different criteria for determining

eligibility for disability pensions. The law restricted pensions for low-income wartime veterans

over age 65.

Gulf War (GW). The Gulf War began on August 2, 1990 and created a new climate in U.S.

society favorable to military personnel and veterans benefits. In March 1991, Congress

passed the Persian Gulf Conflict Supplemental Authorization and Personnel Benefits Act.

Firstly, this Act declared the conflict a war – thereby expanding Veterans eligibility to wartimeonly pension, educational benefits, and housing loans. Secondly, it authorized increases in

monthly educational benefits. Finally, the Gulf War Act doubled the maximum group life

insurance (by raising it to $100,000) for service members and veterans.

Since the Gulf War began, Gulf War service members reported symptoms of illnesses with no

readily identifiable cause(s). Scientists examining symptoms of the undiagnosed Gulf War

illnesses concluded there may be more than one toxic exposure associated with the illnesses.

In 1994, Congress authorized compensation to veterans with chronic disabilities resulting from

undiagnosed illnesses, if the illness appeared during active duty in the Gulf or within a

presumptive period to be defined by VA. In 1995, VA set the presumptive period at two years.

In 1997, VA extended the presumptive period to December 31, 2001.

The Veterans Home Loan Program Amendments of 1992 were the most significant changes in

the loan guaranty program in more than two decades. For the first time, home-loan guaranties

were extended to individuals who had completed at least six years of honorable service in the

Selected Reserves or National Guard. The law also provided for reduced fees for refinancing

loans and direct loans to Native American veterans living on Trust Lands.
Chapter 1 Introduction

8

Assistance Spans Centuries. Here are some examples of how assistance for veterans and

dependents spans centuries:

• The last dependent of a Revolutionary War (1775-1784) veteran died in 1911;

• The last dependent of a War of 1812 (1812-1815) veteran died in 1946; and

• The last dependent of a Mexican War (1846-1848) veteran died in 1962.3

As of September 2000:

• 710 dependents of the Civil War (1861-1865), and Indian War (1817-1898), and

Spanish-American War (1898-1902) veterans were receiving VA pension benefits;

• 208 dependents of the Mexican Border Period (1916-1917) and World War I (1917-

1918) veterans were receiving pension benefits.4

In July 2000, the estimated veteran population was 24.4 million.5 Nearly 80 out of every 100

living veterans served during official periods of armed hostilities. Approximately 70 million

persons who are veterans, dependents or survivors of decreased veterans – are potentially

eligible for VA benefits and services.6

 VBA’S BENEFITS PROGRAMS - IN BRIEF

COMPENSATION - BASED UPON SERVICE-CONNECTED DISABILITY OR DEATH

Disability compensation is a monetary benefit paid to veterans with service-connected

disabilities. “Service-connected” means that the disability was a result of disease or injury

incurred or aggravated during active military service. To be eligible for disability

compensation, the veteran must:

• have been discharged under conditions other than dishonorable; and the

• disability must not have resulted from the veteran’s willful misconduct.

Disability compensation is graduated according to the degree of the veteran’s disability on a

scale from 0 percent disabling to 100 percent disabling, in increments of 10 percent. Benefits

in addition to the 100 percent disability rate are payable to veterans with extremely severe

disabilities such as the 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 benefits.

 

3

 Title 38, United States Code, Statistical Data – War Veterans and Dependents

4

 RCS 20-0221, Active Compensation, DIC, Pension, and Retirement Cases for All Wars and Regular Establishment, September 2000

5

 VA Office of Planning and Analysis

6

 Office of Public Affairs VA Fact Sheet, January 2000
Chapter 1 Introduction

9

Dependency and Indemnity Compensation (DIC) benefits are generally payable to the

survivors of service members who died while on active duty or veterans who died from their

service-connected disabilities. However, VA may pay DIC benefits to survivors of veterans

whose deaths were not service-connected. In this instance the veteran was 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 veteran’s discharge.7

DIC benefits may also be paid to the survivors of former Prisoners of War (POW) who died

after September 30, 1999, and who were continuously rated totally disabled due to a serviceconnected disability for a period of not less than one year preceding death.8

Surviving spouses who are not remarried9 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 service members 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.

 PENSION - BASED UPON NONSERVICE DISABILITY OR DEATH AND FINANCIAL NEED

VA pension programs are designed to provide income support to veterans (with wartime

service) and their families who become permanently and totally disabled or die as the result of

non-service-connected conditions. These programs, which serve veterans and survivors who

are experiencing financial hardship, are means tested. In other words, it is the total family

income from sources other than VA that determines the amount of the benefit. Laws establish

income limits and regulate the rates of payments.

Wartime veterans who are determined permanently and totally disabled as the result of a nonservice-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; 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 replaced.

 

7

 38 U.S.C. 1318

8

 Section 501 of Pub. L. 106-117 was enacted on November 30, 1999

9

 Public Law 105-178, amended 38 U.S.C. 1311, effective October 1, 1998, to reinstate eligibility to a surviving spouse of a veteran whose

remarriage after the veteran’s death is terminated by death, divorce, or annulment and to a surviving spouse of a veteran who ceases living

with another person and holding himself or herself out openly to the public as that person's spouse.
Chapter 1 Introduction

10

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.

EDUCATION

VBA education programs provide veterans, reservists, and certain Veterans dependents with

educational resources to supplement opportunities missed because of military service. These

programs are also meant to help the Armed Forces and Reserves to both recruit and retain

members. For members of the Armed Forces, VA educational benefits assist in the

adjustment 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 productive

workforce.

There are four active education programs:

1. Post-Vietnam Era Veterans Educational Assistance Program (VEAP)

VEAP was the first GI Bill program that required a contribution by the service member.

Requirements and features of VEAP are as follows:

• First entered on 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 $2700 by the service member

• Government matches contribution $2 for $1

• Maximum entitlement is 36 months

• Benefit must be used within 10 years of discharge from the service

• Unused contributions may be refunded

• Additional "kickers"10 or contributions from the Department of Defense (DoD) under

certain circumstances

• Current full-time VEAP rate is $300 per month plus any DoD "kicker" adjustment

2. Montgomery GI Bill - Active Duty (MGIB)

In 1996, Public Law 104-275 provided that certain VEAP participants who were on active duty

on October 9, 1996, could elect Montgomery GI Bill (MGIB) benefits. The deadline for this

election was October 8, 1997. Some 41,041 veterans and service members took advantage

of this opportunity to elect MGIB. MGIB is a contributory program. The service member’s pay

is automatically reduced by $100 per month for 12 months unless the service member

declines to participate at the time of enlistment. Requirements and features of MGIB are as

follows:

• Served on active duty after June 30, 1985

• Must fulfill one's basic service obligation

• Must have completed high school

• Must receive an honorable discharge

 

10 A “kicker” is an additional monetary contribution paid by the military under certain circumstances.
Chapter 1 Introduction

11

• Maximum entitlement is 36 months

• Additional "kicker" may be available, as determined by Department of Defense

(DoD)

• Generally, must use benefits within 10 years following discharge.

3. Montgomery GI Bill - Selected Reserve (MGIB-SR)

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 to MGIB-SR. VBA administers the program. Requirements and features

of MGIB-SR are as follows:

• Must agree to a six-year Selected Reserve obligation after July 1, 1985

• Must have completed high school education

• Remain a member in good standing of the Selected Reserve

• Maximum entitlement is 36 months

• Generally, must use benefits within 10 years of date eligibility began

4. Dependents Educational Assistance Program (DEA)

DEA is the only VA educational assistance program designed for students who have

never served in the Armed Forces. 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 have 10 years in which to use benefits

• A spouse's remarriage bars further benefits11 - a child's marriage does not

 LIFE INSURANCE

Government life insurance programs were created to provide life insurance at a “standard”

premium rate to members of the armed forces who are exposed to the extra hazards of

military service, including deadly hazards of war. Members leaving the armed forces are

eligible to maintain their VA insurance following discharge. Few commercial insurance

companies offer insurance that include coverage against death while in the armed forces.

Those that do, charge a high premium rate because of the additional risk.

In general, a new life insurance program was created for each wartime period after World

War I. The following government life insurance programs are closed to the issuance of new

coverage but continue to have active policies. The “Years” column of the table indicates the

time period when VBA was authorized to issue coverage under the program.

 

11 Public Law 106-117, signed on November 30, 1999, restores entitlement if a surviving spouse’s remarriage has been terminated by death

or divorce.
Chapter 1 Introduction

12

Insurance Programs That No Longer Issue Coverage

Program 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

Table 1 – Chap. 1

1

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

The following government life insurance programs continue to issue coverage. The “Year”

column indicates the date policies were first issued under each program.

Insurance Programs That Issue Coverage

Program Year Maximum Coverage

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

Service members' Group Life Insurance (SGLI) 1965 $200,0002

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

Veterans Group Life Insurance (VGLI) 1974 $200,0002

Table 2 – Chap. 1

1

 An additional $20,000 of supplemental coverage is available to totally disabled veterans.

2

 Effective April 1, 2001, the maximum coverage for VGLI and SGLI will increase to $250,000.

HOME LOAN GUARANTY

The Loan Guaranty Program provides housing credit assistance to veterans and service

persons with the objective of enabling entry into the home-buying market. Assistance is

provided through the Government's partial guaranty of loans made by private lenders in lieu of

the substantial down payment and other investment safeguards required in conventional

mortgage transactions.

Veterans loans may be used:

• To purchase a home;

• To purchase a residential unit in certain condominium projects;

• To build a home;

• To refinance an existing home loan; or

• To improve a home by installing solar heating or other energy conservation

measures.

There is no maximum loan amount for a VA loan. Lenders set maximums based on rules of

the secondary market to which they sell their loans. The maximum VA guaranty is currently

$50,750 and lenders are usually willing to make a “no down-payment” loan of up to 4 times the

guaranty, or $203,000. Veterans pay a funding fee ranging from 1.25 percent to 3 percent of

the loan amount (0.5 percent for interest rate reduction loans). The funding fee can be

included in the loan. Veterans receiving VA compensation are exempt from paying the fee.
Chapter 1 Introduction

13

Since the program began in 1944, VA has guaranteed more than 16.1 million loans totaling

over $653 billion.

Severely disabled veterans, mostly those who are wheelchair bound, may obtain grants under

the specially adapted housing program. This program helps eligible veterans by using these

grants to buy, build or modify homes specifically adaptable for their use. These distinctive

housing needs may include:

• Wide doorways to accommodate wheelchairs,

• Ramps instead of steps, and

• Oversized specially equipped bathrooms.

Additionally, specially adapted housing grants are available for disabled veterans who are

either totally blind or have anatomical loss or loss of use of both hands.

VBA Loan Guaranty is also in the process of implementing the Native American Veteran Direct

VA Loan Program. This program will help our Native American Veterans in an effort to develop

positive working relationships with Native American groups and tribes, and relevant

government entities in fiscal year 2000. Loan Guaranty provides program information and

materials to all interested parties and to VA personnel. VA entered into Memoranda of

Understanding (MOU) with 57 participating Native American tribes. During fiscal year 2000,

VA field offices closed 31 loans under this program. To date, VA has made 212 loans to

Native American veterans under this pilot program.

The table below shows a summary of eligibility criteria. In addition to these criteria, a veteran

must have been discharged or released from active duty under other than dishonorable

conditions. If the veteran served less than the minimum required period (See Table 3), he or

she could be eligible if discharged because of a service-connected disability.
Chapter 1 Introduction

14

Summary of Home Loan Guaranty Entitlements

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 War 6/27/50 - 1/31/55 90 days

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

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

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 Era 8/2/90 - 2 years; or period called to active duty, (not

less than 90 days)

Restored Entitlement Possible under certain situations

Service 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

Reservists1 6 years

Unremarried Survivor Of an eligible veteran who died as a result of

service or service-connected conditions

Spouse of POW/MIA Active duty member who is missing in action

(MIA) or who is a prisoner of war (POW)

Table 3 – Chap. 1

1

 Entitlement expires on 9/30/03.

VOCATIONAL REHABILITATION AND EMPLOYMENT

The Vocational Rehabilitation and Employment (VR&E) Program helps veterans with serviceconnected disabilities become employable in order to obtain and maintain suitable

employment. When the severity of disability prohibits suitable employment, VR&E assists

those veterans achieve independence in daily living. Additionally, the VR&E program provides

educational and vocational counseling for eligible service members, veterans, and

dependents. The outcome of this counseling is to select an educational and vocational goal

and/or select an institution(s) of learning and training where the goal is pursued.

VR&E PROGRAM STATUTORY AUTHORITY

Vocational rehabilitation for service-connected disabled

veterans

38 U.S.C. Chapter 31

Vocational training for certain pension recipients (nonservice-connected)38 U.S.C. Chapter 15

Vocational training and rehabilitation for Vietnam

Veterans children with spina bifida

38 U.S.C. Chapter 18

Vocational and educational counseling services for the

referenced six authorities

38 U.S.C. Chapters 30, 32, 35, and 36;

10 U.S.C. Chapters 1606 and 107

Table 4 – Chap. 1
CHAPTER 2

BUSINESS DURING FISCAL YEAR 2000

 Summary Of Beneficiaries Entering All Benefits Program Rolls During

 Fiscal Year 2000

The following tables summarize information about the number of people who began receiving

a benefit during fiscal year 2000 and the monetary value of the benefits. Total annual amount

and average annual amounts reflected in the tables refer to fiscal year 2000 only.

The first table summarizes the benefits that pay a recurring monthly monetary amount.

Summary of Beneficiaries Who Began Receiving Benefits

For Programs That Pay Recurring Monthly Benefits

During Fiscal Year 2000

Benefit Programs Number

of People

Percent

of Total

Total

Annual Amounts

Paid in FY 2000

Average

Annual

Amounts

Paid in FY

2000

 Compensation - Disability 83,159 49.4% $442,177,592 $5,317

 Compensation - Death1 17,910 10.6% $188,239,422 $10,510

 Pension - Disability 45,194 26.8% $294,997,216 $6,527

 Pension – Death2 22,119 13.1% $73,017,756 $3,301

Total of All Programs 168,382 100.0% $998,431,986 $5,930

Table 1 – Chap. 2

1 This category represents the Dependency and Indemnity Compensation Program.

2

 Only includes Surviving Spouses.

The second table summarizes the benefits that are paid on a monthly basis, but only during a

period of training attended by the person. The number of people receiving Education benefits

is the number of people who used their Education benefit for the first time during fiscal year

2000. The number of people receiving the VR&E subsistence allowance benefit (Chapter 31

benefit) is the number who were in an approved program of training during fiscal year 2000 -

not the number who used the benefit for the first time during fiscal year 2000. The

annual amounts of money paid are not available at this time for Education or VR&E.
Chapter 2 Business During FY 2000

16

Summary of Beneficiaries Who Began Receiving

Benefits for Programs That Pay

Monthly Benefits During Training

During Fiscal 2000

Benefit Programs Number of

People

Percent of

Total

Education 82,987 67%

Vocational Rehabilitation 52,505 33%

Total 135,492 100.0%

Table 2 – Chap. 2

The third table summarizes the benefits that provide for a payment if certain events occur, for

example, the death of the insured or default on a mortgage. For the Life Insurance program,

the coverage amount is the face value of the policies issued during fiscal year 2000. For

Home Loan Guaranty, the coverage amount is the guaranty obligations (not the value of the

underlying mortgages) established during fiscal year 2000. For the Life Insurance and Home

Loan Guaranty programs, the “Total Coverage Amounts” do not represent benefits actually

paid during the year.

Summary of Beneficiaries Who Obtained Coverage

During Fiscal Year 2000

Benefit Programs That Constitute Potential Liabilities

Benefit Programs Number of People Percent of

Total

Total Coverage

Amounts

Average

Coverage

Amounts

Life Insurance1 285,765 58.90% $50,426,291,177 $176,461

Home Loan Guaranty 199,160 41.10% $7,071,308,639 $35,506

Total 484,925 100.0% $57,497,599,816 $118,570

Table 3 – Chap. 2

1

 Excludes VGLI & SGLI

 Individual Data For Each Benefit Program

The following sections give specific information about each benefit program. The sections

describe the veterans, dependents, and survivors who began receiving benefits during fiscal

year 2000. This would include beneficiaries whose awards were stopped prior to the current

year but who reestablished eligibility during the year (See Table 4).
Chapter 2 Business During FY 2000

17

1. COMPENSATION - BASED UPON SERVICE-CONNECTED DISABILITY

Disability compensation is payment for disabilities that the VA determines to have occurred

during or aggravated by a veteran’s military service (except when the disability resulted from

willful misconduct of the veteran). Only veterans, not dependents, survivors, or others, are

eligible to receive disability compensation. Disabilities are evaluated according to the VA

Schedule for Rating Disabilities in Title 38, Code of Federal Regulations, Part 4. Extent of

disability is expressed as a percentage from zero percent (for conditions that exist but are not

disabling to a compensable degree) to 100 percent, in increments of 10 percent.

The Rating Schedule is based on a “whole person” concept. This means that each disability is

evaluated for its disabling effect on the whole person. The range of disabling effects of a

specific disability on a person rarely includes every 10 percent increment from zero percent to

100 percent. For example, the Rating Schedule provides four possible evaluations for the

disabling effect of a disfiguring scar of the head, face, or neck: 0, 10, 30, or 50 percent,

according to the extent of the disfigurement. Active pulmonary tuberculosis, on the other

hand, is always rated 100 percent disabling.

a. Total Number of Veterans Who Began Receiving Disability Compensation During

 Fiscal Year 2000

The following table shows data on veterans who began receiving disability compensation

during fiscal year 2000, total annual expenditures for those veterans, and the average annual

amount paid to these veterans.

Total Number of Veterans

Who Began Receiving Compensation

During Fiscal Year 2000

Number Total

Annual Amounts

Average

Annual Amounts

TOTAL 83,159 $442,177,592 $5,317

 Table 4 – Chap. 2

 Source: Benefits Delivery Network - COIN CP-127

b. Conditions Claimed and Disabilities Compensated Being Paid

This section shows information about:

• individual disabilities reported on original claims for benefits;

• individual disabilities determined to be service-connected; and

• the combined degree of disability for veterans who began receiving compensation

payments during fiscal year 2000.

An “original” claim is the first application submitted by a veteran. Any single application,

original or subsequent, may include multiple disabilities to be evaluated for service-connection.
Chapter 2 Business During FY 2000

18

Note: Some information in the following section is generated from the Rating Board

Automation (RBA) Database that was initially implemented in January 1998. The data

provides information about disability compensation that did not previously exist. In the past,

our computer systems were not capable of collecting and storing data at this level of detail.

The information from the RBA Database presented in this report is a sample of the ratings

done during fiscal year 2000, instead of a complete record of all the rating actions done

during the year. The sample includes a total of 72,986 original disability compensation ratings.

Tables containing RBA information are labeled “Source: Rating Board Automation Data - Data

Warehouse”.

Number of Disabilities Per Claim

An “original” claim is the first application submitted by a veteran. All claims submitted after

resolution of the original application, whether they involve re-evaluation of disabilities

previously claimed or evaluation of new disabilities, will be identified as “subsequent

reopened claims” in this report. This table shows the distributions (by percent) of the

number of disabilities claimed in original and subsequent reopened benefits applications.

For example, 12.2 percent of original applications rated during fiscal year 2000 claimed

service connection for three individual disabilities. The average, range, and median

number of disabilities claimed are shown at the bottom of the table.12

Applications For Service-Connected Disability Compensation

By Number Of Disabilities Claimed

For Fiscal Year 2000

Number of Disabilities Percent of Original

Claim Applications

Percent of Subsequent

Reopened Claim

Applications

1 27.8% 43.4%

2 17.6% 24.7%

3 12.2% 13.2%

4 8.9% 7.2%

5 7.0% 4.0%

6 5.5% 2.5%

7 4.0% 1.6%

8 4.0% 1.1%

9 2.8% 0.7%

10 2.3% 0.5%

11 thru 15 5.6% 0.9%

16 thru 20 1.6% 0.2%

21 thru 25 0.5% 0.0%

Over 25 0.3% 0.0%

Total 100.0% 100.0%

Average Number of Disabilities 4.3 2.4

Range of Disabilities 1 to 60 1 to 54

Median Number of Disabilities 3 2

 Table 5 – Chap. 2

 Source: Rating Board Automation Data - Data Warehouse

 

12 This level of detail was not available prior to introduction of the RBA system. Claims processing data generated by the current systems

(i.e., the legacy systems) provide only general information about the number of claimed disabilities (1 to 7 disabilities or 8 or more). RBA

data will give a clearer picture for managing the claims process.
Chapter 2 Business During FY 2000

19

Total Number of Service-Connected Individual Disabilities

Service-connected disabilities sorted by the percentage evaluation assigned to each

disability are provided in the following table. Data include veterans initially granted

compensation (based on either original or subsequent claims) and the average number of

service-connected disabilities per veteran for fiscal year 2000.

Note: “Zero percent” means that the disability exists and is related to the veteran’s

service but is not disabling to a degree that allows compensation. 13 The number of zero

percent disabilities shown in this table accounts only for those veterans who have

individual disabilities rated zero percent but who also receive compensation. This would

occur when the veteran’s combined14 disability evaluation is 10 percent or greater, or

when the veteran is entitled to payment under one of the statutory provisions for specific

disabilities; e.g. tuberculosis. Veterans who do not receive compensation but have

disabilities rated zero percent are not represented in the Tables 6 and 7.

The most frequently assigned percentage during FY 2000 is highlighted in yellow in the

following table.

Total Individual Service-Connected Disabilities - by Percent

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

Number of Disabilities Percent of All

Disabilities

0% 104,081 39.1%

10% 113,401 42.7%

20% 16,173 6.1%

30% 14,691 5.5%

40% 3,183 1.2%

50% 4,882 1.8%

60% 2,177 0.8%

70% 2,452 0.9%

80% 114 0.0%

90% 37 0.0%

100% 4,689 1.8%

Total 265,880 100.0%

Total Veterans 83,159

Average number of disabilities per veteran 3.2

Number of Disabilities 0% thru 30%: 248,346

Percent of all Disabilities: 93.4%

Table 6 – Chap. 2

Source: Benefits Delivery Network - COIN CP-145 and COIN CP-127

 

13 Service connection at zero percent entitles the veteran to medical treatment for the condition through the Veterans Health Administration. 14 Combined disability evaluation is explained in the “note” on Page 20.
Chapter 2 Business During FY 2000

20

Service-Connected Disabilities, by Combined Degree of Disability, for Veterans Who

Began Receiving Compensation during Fiscal Year 2000

Combined degree of disability is expressed as a percentage and represents the overall

disabling effect on a veteran of all his or her service-connected disabilities. The combined

degree of disability determines the compensation payments. The following table shows

information about veterans who began receiving compensation during fiscal year 2000 by

the combined percentage of disability. The table also shows the total annual amount and

average annual amount of compensation paid to these veterans.

Note: “Percent of combined disability” is not calculated by summing all the individual

degrees of disability. Instead, a rating formula is applied to calculate the overall disabling

effect of the veteran’s service-connected disabilities. Under certain circumstances, a

veteran with two or more disabilities individually evaluated zero percent can still have 10

percent combined disability and entitle the veteran to receive disability compensation [38

CFR 3.324]. These will be called “compensable zeros” and are shown in the 0% row of

this table.

The most frequently assigned combined degree of disability during fiscal year 2000 and

the highest total annual compensation paid to veterans assigned the same combined

disability rating are highlighted in yellow.

Service-Connected Disabilities - by Combined Percent

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

Combined

Degree Number Percent of Total Total AnnualAmounts1

Average Annual

Amounts

0% 360 0.4% $301,752 $838

10% 29,441 35.4% $34,781,597 $1,181

20% 15,114 18.2% $34,195,123 $2,262

30% 13,332 16.0% $51,418,858 $3,857

40% 7,837 9.4% $43,464,315 $5,546

50% 5,590 6.7% $43,681,825 $7,814

60% 3,848 4.6% $51,138,996 $13,290

70% 2,741 3.3% $53,535,348 $19,531

80% 992 1.2% $20,798,193 $20,966

90% 383 0.5% $8,818,989 $23,026

100% 3,521 4.2% $100,042,596 $28,413

TOTAL 83,159 100.0% $442,177,592 $5,317

Number Combined Percent 0% thru 30%: 58,247

 Percent of All: 70.0%

Table 7 – Chap. 2

Source: Benefits Delivery Network - COIN CP-127

1 The total annual amounts of service-connected compensation for each combined degree is calculated by multiplying the Average

Benefit amount (derived from COIN CP-127) by 12 months, times the number of veterans who began receiving compensation during

fiscal year 2000.
Chapter 2 Business During FY 2000

21

c. Individual Service-Connected Disabilities by Body System

The following table shows all individual service-connected disabilities qualified by body system

for veterans compensated during fiscal year 2000. The table includes zero percent disabilities

only for those veterans who are in receipt of compensation benefits. The body systems are

shown in descending order of the number of disabilities found service-connected within each

system.

Ranking of Individual Service-Connected Disabilities - by Body System

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

Body System Total

Number

Percent of

Total

Body System Total

Number

Percent

of Total

Musculoskeletal System 111,663 42.0% Genitourinary System 6,502 2.4%

Skin 30,334 11.4% Eye 3,043 1.1%

Impairment of Auditory Acuity 28,654 10.8% Gynecological Conditions 2,678 1.0%

Digestive System 16,807 6.3% Endocrine System 2,485 0.9%

Mental Disorders 16,613 6.2% Infectious Diseases, Immune

Disorders, Nutritional Disorder

2,280 0.9%

Cardiovascular System 14,594 5.5% Dental and Oral Conditions 1,518 0.6%

Respiratory System 14,423 5.4% Hemic & Lymphatic Systems 1,025 0.4%

Neurological Conditions 13,261 5.0% Grand Total - All Conditions 265,880 100.0%

Table 8 – Chap. 2

Source: Benefits Delivery Network - COIN CP-145

d. Individual Service-Connected Disabilities by Body Systems

During fiscal year 2000, 745 separate diagnostic codes were used in rating the 265,880

individual disabilities determined to be service-connected. Body system groupings are

displayed in VBA diagnostic code order. VA uses four-digit diagnostic code numbers that

signify specific medical conditions. These numeric diagnostic codes are in Title 38, Code of

Federal Regulations, Part 4. The following four-page table identifies the total number of

individual service-connected disabilities, grouped by body systems and percent of disability

assigned. Yellow highlights the degree of disability appearing most often in each body system

for veterans who began receiving compensation during fiscal year 2000.
Chapter 2 Business During FY 2000

22

Total Individual Service-Connected Disabilities – by Percent and Body Systems

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

0% 10% 20%

Body System Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Musculoskeletal System

(Codes 5000-5399)

34,188 28.6% 61,617 51.6% 11,014 9.2%

Eye

(Codes 6000-6099)

1,494 49.1% 870 28.6% 138 4.5%

Impairment of Auditory Acuity

(Codes 6100-6299)

11,846 41.3% 15,004 52.4% 627 2.2%

Infectious Diseases, Immune

Disorders, Nutritional Disorder

(Codes 6300-6399)

1,839 80.7% 201 8.8% 31 1.4%

Respiratory System

(Codes 6501-6899)

7,383 51.2% 3,948 27.4% 24 0.2%

Cardiovascular System

(Codes 7000-7199)

2,938 20.1% 7,696 52.7% 1,370 9.4%

Digestive System

(Codes 7200-7399)

10,832 64.4% 4,560 27.1% 343 2.0%

Genitourinary System

(Codes 7500-7599)

3,532 54.3% 874 13.4% 486 7.5%

Gynecological Conditions

(Codes 7610-7699)

1,067 39.8% 335 12.5% 10 0.4%

Hemic & Lymphatic Systems

(Codes 7700-7799)

345 33.7% 110 10.7% 123 12.0%

Skin

(Codes 7800-7899)

22,985 75.8% 6,765 22.3% 69 0.2%

Endocrine System

(Codes 7900-7999)

241 9.7% 1,195 48.1% 784 31.5%

Neurological Conditions

(Codes 8000-8999)

3,569 26.9% 6,156 46.4% 1,022 7.7%

Mental Disorders

(Codes 9200-9599)

952 5.7% 3,599 21.7% 13 0.1%

Dental and Oral Conditions

(Codes 9900-9999)

870 57.3% 471 31.0% 119 7.8%

Grand Total - All Conditions

(Codes 5000-9999)

104,081 39.1% 113,401 42.7% 16,173 6.1%

Table 9 – Chap. 2

Source: Benefits Delivery Network - COIN CP-145
Chapter 2 Business During FY 2000

23

Total Individual Service-Connected Disabilities – by Percent and Body Systems

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

30% 40% 50%

Body System Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Musculoskeletal System

(Codes 5000-5399)

1,690 1.4% 1,924 1.6% 131 0.1%

Eye

(Codes 6000-6099)

387 12.7% 48 1.6% 27 0.9%

Impairment of Auditory Acuity

(Codes 6100-6299)

443 1.5% 289 1.0% 154 0.5%

Infectious Diseases, Immune

Disorders, Nutritional Disorder

(Codes 6300-6399)

59 2.6% 17 0.7% 1 0.0%

Respiratory System

(Codes 6501-6899)

1,606 11.1% 6 0.0% 407 2.8%

Cardiovascular System

(Codes 7000-7199)

1,524 10.4% 170 1.2% 7 0.0%

Digestive System

(Codes 7200-7399)

650 3.9% 65 0.4% 15 0.1%

Genitourinary System

(Codes 7500-7599)

282 4.3% 210 3.2% 0 0.0%

Gynecological Conditions

(Codes 7610-7699)

687 25.7% 16 0.6% 520 19.4%

Hemic & Lymphatic Systems

(Codes 7700-7799)

66 6.4% 5 0.5% 3 0.3%

Skin

(Codes 7800-7899)

417 1.4% 29 0.1% 59 0.2%

Endocrine System

(Codes 7900-7999)

56 2.3% 100 4.0% 2 0.1%

Neurological Conditions

(Codes 8000-8999)

1,564 11.8% 292 2.2% 216 1.6%

Mental Disorders

(Codes 9200-9599)

5,212 31.4% 4 0.0% 3,338 20.1%

Dental and Oral Conditions

(Codes 9900-9999)

48 3.2% 8 0.5% 2 0.1%

Grand Total - All Conditions

(Codes 5000-9999)

14,691 5.5% 3,183 1.2% 4,882 1.8%
Chapter 2 Business During FY 2000

24

Total Individual Service-Connected Disabilities – by Percent and Body Systems

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

60% 70% 80%

Body System Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Musculoskeletal System

(Codes 5000-5399)

580 0.5% 29 0.0% 5 0.0%

Eye

(Codes 6000-6099)

17 0.6% 10 0.3% 4 0.1%

Impairment of Auditory Acuity

(Codes 6100-6299)

96 0.3% 58 0.2% 43 0.2%

Infectious Diseases, Immune

Disorders, Nutritional Disorder

(Codes 6300-6399)

93 4.1% 0 0.0% 2 0.1%

Respiratory System

(Codes 6501-6899)

348 2.4% 2 0.0% 0 0.0%

Cardiovascular System

(Codes 7000-7199)

618 4.2% 0 0.0% 3 0.0%

Digestive System

(Codes 7200-7399)

107 0.6% 6 0.0% 0 0.0%

Genitourinary System

(Codes 7500-7599)

147 2.3% 0 0.0% 11 0.2%

Gynecological Conditions

(Codes 7610-7699)

6 0.2% 0 0.0% 0 0.0%

Hemic & Lymphatic Systems

(Codes 7700-7799)

4 0.4% 11 1.1% 0 0.0%

Skin

(Codes 7800-7899)

1 0.0% 1 0.0% 0 0.0%

Endocrine System

(Codes 7900-7999)

50 2.0% 0 0.0% 0 0.0%

Neurological Conditions

(Codes 8000-8999)

106 0.8% 30 0.2% 45 0.3%

Mental Disorders

(Codes 9200-9599)

4 0.0% 2,305 13.9% 1 0.0%

Dental and Oral Conditions

(Codes 9900-9999)

0 0.0% 0 0.0% 0 0.0%

Grand Total - All Conditions

(Codes 5000-9999)

2,177 0.8% 2,452 0.9% 114 0.0%
Chapter 2 Business During FY 2000

25

Total Individual Service-Connected Disabilities – by Percent and Body Systems

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

90% 100% Total

Body System Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Musculoskeletal System

(Codes 5000-5399)

9 0.0% 476 0.4% 111,663 100%

Eye

(Codes 6000-6099)

6 0.2% 42 1.4% 3,043 100%

Impairment of Auditory Acuity

(Codes 6100-6299)

16 0.1% 78 0.3% 28,654 100%

Infectious Diseases, Immune

Disorders, Nutritional Disorder

(Codes 6300-6399)

0 0.0% 37 1.6% 2,280 100%

Respiratory System

(Codes 6501-6899)

0 0.0% 699 4.8% 14,423 100%

Cardiovascular System

(Codes 7000-7199)

0 0.0% 268 1.8% 14,594 100%

Digestive System

(Codes 7200-7399)

0 0.0% 229 1.4% 16,807 100%

Genitourinary System

(Codes 7500-7599)

0 0.0% 960 14.8% 6,502 100%

Gynecological Conditions

(Codes 7610-7699)

0 0.0% 37 1.4% 2,678 100%

Hemic & Lymphatic Systems

(Codes 7700-7799)

0 0.0% 358 34.9% 1,025 100%

Skin

(Codes 7800-7899)

0 0.0% 8 0.0% 30,334 100%

Endocrine System

(Codes 7900-7999)

0 0.0% 57 2.3% 2,485 100%

Neurological Conditions

(Codes 8000-8999)

6 0.0% 255 1.9% 13,261 100%

Mental Disorders

(Codes 9200-9599)

0 0.0% 1,185 7.1% 16,613 100%

Dental and Oral Conditions

(Codes 9900-9999)

0 0.0% 0 0.0% 1,518 100%

Grand Total - All Conditions

(Codes 5000-9999)

37 0.0% 4,689 1.8% 265,880 100%
Chapter 2 Business During FY 2000

26

e. Most Prevalent Service-Connected Disabilities

This section provides data about the most common disabilities found to be service-connected

during fiscal year 2000.

By Body Systems

The next three-page table shows the five disabilities most often found service-connected, by

diagnostic code, within each body system, during fiscal year 2000. The body systems are

shown in descending order by number of disabilities.

Note: The “Percent of System Total” is the frequency of service connection under each

diagnostic code as a proportion of the total number of service-connected disabilities recorded

within that body system. The “Percent of Grand Total” is the frequency of service connection

under each diagnostic code as a proportion of the total number of disabilities recorded under

all body systems.
Chapter 2 Business During FY 2000

27

Most Common Service-Connected Disabilities within Body Systems

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

Code Body System and Disability Total

Number

Percent of

System Total

Percent of

Grand Total

Musculoskeletal System 111,663 100.0% 42.0%

5299 Skeletal conditions 14,626 13.1% 5.5%

5010 Arthritis, due to trauma 12,213 10.9% 4.6%

5295 Lumbosacral strain 9,158 8.2% 3.4%

5293 Intervertebral disc syndrome 7,404 6.6% 2.8%

5257 Knee, other impairment of 7,097 6.4% 2.7%

Skin 30,334 100.0% 11.4%

7805 Scars, other15 10,953 36.1% 4.1%

7899 Skin condition 3,881 12.8% 1.5%

7806 Eczema 3,282 10.8% 1.2%

7804 Scars, superficial, tender and painful on objective

demonstration

3,241 10.7% 1.2%

7800 Scars, disfiguring, head, face, neck 3,068 10.1% 1.2%

Auditory 28,654 100.0% 10.8%

6260 Tinnitus 13,495 47.1% 5.1%

6100 Auditory, acuity impairment, 0% 12,832 44.8% 4.8%

6200 Otitis media, suppurative, chronic 500 1.7% 0.2%

6211 Tympanic membrane, performation of 494 1.7% 0.2%

6210 Auditory canal, disease of 244 0.9% 0.1%

Digestive System 16,807 100.0% 6.3%

7336 Hemorrhoids, external or internal 4,761 28.3% 1.8%

7346 Hernia, hiatal 2,562 15.2% 1.0%

7338 Hernia, inguinal 2,078 12.4% 0.8%

7399 Digestive system, disease of 1,782 10.6% 0.7%

7345 Hepatitis, infectious 880 5.2% 0.3%

Mental Disorders 16,613 100.0% 6.2%

9411 Post-traumatic stress disorder 10,010 60.3% 3.8%

9434 Major depressive disorder 1,886 11.4% 0.7%

9400 Generalized anxiety disorder 953 5.7% 0.4%

9433 Dysthymic disorder 545 3.3% 0.2%

9432 Bipolar disorder 448 2.7% 0.2%

 Table 10 – Chap. 2

 Source: Benefits Delivery Network - COIN CP-145

 

15 38 CFR, Part 4, provides several diagnostic codes used in the evaluation of disabilities associated with scars. These include the following:

7800 - Disfiguring scars to the head, face, or neck; 7801 - Scars from 3rd degree burns; 7802 - Scars from 2nd degree burns; 7803 -

Superficial scars which are poorly nourished with repeated ulceration; 7804 - Superficial scars which are tender and painful on objective

demonstration. Other scars not covered under the above criteria are evaluated under diagnostic code 7805.
Chapter 2 Business During FY 2000

28

Most Common Service-Connected Disabilities within Body Systems

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

Code Body System and Disability Total

Number

Percent of

System

Total

Percent of

Grand Total

Cardiovascular System 14,594 100.0% 5.5%

7101 Hypertensive vascular disease 6,381 43.7% 2.4%

7122 Cold injury residuals 3,350 23.0% 1.3%

7120 Varicose veins 1,390 9.5% 0.5%

7005 Arteriosclerotic heart disease 1,081 7.4% 0.4%

7121 Phlebitis 270 1.9% 0.1%

Respiratory System 14,423 100.0% 5.4%

6522 Allergic or vasometer rhinitis 2,472 17.1% 0.9%

6602 Asthma, bronchial 2,443 16.9% 0.9%

6513 Sinusitis maxillary, chronic 1,787 12.4% 0.7%

6502 Septum, nasal, deviation of 1,140 7.9% 0.4%

6599 Nose and throat, disease of 842 5.8% 0.3%

Neurological Conditions and Convulsive Disorders 13,261 100.0% 5.0%

8100 Migraine 3,871 29.2% 1.5%

8515 Median nerve, paralysis of 1,602 12.1% 0.6%

8599 Peripheral nerve condition 854 6.4% 0.3%

8199 Neurological condition 719 5.4% 0.3%

8045 Brain disease due to trauma 703 5.3% 0.3%

Genitourinary System 6,502 100.0% 2.4%

7528 Malignant neoplasm 1,547 23.8% 0.6%

7599 Genitourinary system condition 1,196 18.4% 0.4%

7527 Prostate gland injuries, infections, postoperative 1,005 15.5% 0.4%

7508 Nephrolithiasis 540 8.3% 0.2%

7522 Penis,deformity, with loss of erectile power 279 4.3% 0.1%

Eye 3,043 100.0% 1.1%

6099 Eye condition 496 16.3% 0.2%

6034 Eye, pterygium 292 9.6% 0.1%

6009 Eye, injury of, unhealed 253 8.3% 0.1%

6018 Eye, Conjunctivitis other, chronic 243 8.0% 0.1%

6013 Eye, Glaucoma, simple, primary, noncongestive 237 7.8% 0.1%
Chapter 2 Business During FY 2000

29

Most Common Service-Connected Disabilities within Body Systems

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

Code Body System and Disability Total

Number

Percent of

System Total

Percent of

Grand Total

Gynecological Conditions 2,678 100.0% 1.0%

7618 Uterus, removal of, including corpus 581 21.7% 0.2%

7617 Uterus & ovaries, removal of, complete 467 17.4% 0.2%

7628 Benign neoplasms, gynecological or breast 326 12.2% 0.1%

7699 Gynecological condition or disorder of the breast 252 9.4% 0.1%

7629 Endometriosis 190 7.1% 0.1%

Endocrine System 2,485 100.0% 0.9%

7913 Diabetes mellitus 1,183 47.6% 0.4%

7903 Hypothyroidism 751 30.2% 0.3%

7900 Hyperthyroidism 200 8.0% 0.1%

7999 Endocrine system condition 118 4.7% 0.0%

7914 New growths, malignant, endocrine system 61 2.5% 0.0%

Infectious Diseases, Immune Disorders, Nutritional

Deficiencies

2,280 100.0% 0.9%

6304 Malaria 1,595 70.0% 0.6%

6351 HIV-Related illness 151 6.6% 0.1%

6399 Infectious disease, immune disorder, nutritional deficiency 124 5.4% 0.0%

6350 Lupus erythematosus, systemic 88 3.9% 0.0%

6354 Chronic fatigue syndrome 64 2.8% 0.0%

Dental and Oral Conditions 1,518 100.0% 0.6%

9905 Temporomandibular articulation, limited motion 804 53.0% 0.3%

9999 Dental and oral conditions 343 22.6% 0.1%

9904 Mandible, malunion of 217 14.3% 0.1%

9913 Teeth, loss of, due to loss of body of maxilla or mandible 57 3.8% 0.0%

9916 Maxilla, malunion or nonunion 39 2.6% 0.0%

Hemic & Lymphatic Systems 1,025 100.0% 0.4%

7715 Non-Hodgkin's lymphoma 302 29.5% 0.1%

7700 Anemia, hypochromic-microcytic & megaloblastic 163 15.9% 0.1%

7799 Hemic & lymphatic system condition 156 15.2% 0.1%

7706 Splenectomy 134 13.1% 0.1%

7709 Lymphoganulomatosis (Hodgkin's disease) 116 11.3% 0.0%

Grand Total - All Body Systems 265,880 100.0% 100.0%
Chapter 2 Business During FY 2000

30

By The 20 Disabilities Most Frequently Service-Connected

The next table shows the 20 disabilities most frequently found service-connected (by

diagnostic code) during fiscal year 2000.

Note: The “Percent Within System” column represents the frequency of service connection

under each diagnostic code as a proportion of all service-connected disabilities within the

body system. The “Percent of Total” column shows the frequency of service connection under

each diagnostic code as a proportion of all 265,880 disabilities found service-connected. The

“Cumulative Percent” column sums the percentages from the “Percent of Total” Column to

include the diagnostic code in that row and all preceding diagnostic codes. For example, the

17 most frequently service-connected disabilities (by diagnostic code) account for 50.4 percent

of all service-connected disabilities established in fiscal year 2000.

Disabilities Most Frequently Service-Connected

For Veterans Who Began Receiving Compensation

During Fiscal Year 2000

Diagnostic

Code

Disability Total Percent

Within System

FY 2000

Percent of

Total

FY 2000

Cumulative

Percent

FY 2000

TOTAL NUMBER OF DISABILITIES IN FY

2000

265,880 100.0%

5299 Skeletal conditions 14,626 13.1% 5.5% 5.5%

6260 Tinnitus 13,495 47.1% 5.1% 10.6%

6100 Auditory, acuity impairment,

0%

12,832 44.8% 4.8% 15.4%

5010 Arthritis, due to trauma 12,213 10.9% 4.6% 20.0%

7805 Scars, other1 10,953 36.1% 4.1% 24.1%

9411 Post-traumatic stress disorder 10,010 60.3% 3.8% 27.9%

5295 Lumbosacral strain 9,158 8.2% 3.4% 31.3%

5293 Intervertebral disc syndrome 7,404 6.6% 2.8% 34.1%

5257 Knee, other impairment of 7,097 6.4% 2.7% 36.8%

7101 Hypertensive vascular disease 6,381 43.7% 2.4% 39.2%

5003 Arthritis, degenerative 5,509 4.9% 2.1% 41.3%

5271 Ankle, limited motion of 4,792 4.3% 1.8% 43.1%

7336 Hemorrhoids, external or

internal

4,761 28.3% 1.8% 44.8%

7899 Skin condition 3,881 12.8% 1.5% 46.3%

8100 Migraine 3,871 29.2% 1.5% 47.8%

5024 Tenosynovitis 3,601 3.2% 1.4% 49.1%

5099 Musculoskeletal condition 3,407 3.1% 1.3% 50.4%

7122 Cold injury residuals 3,350 23.0% 1.3% 51.7%

7806 Eczema 3,282 10.8% 1.2% 52.9%

7804 Scars, superficial, tender,

painful

3,241 10.7% 1.2% 54.1%

Table 11 – Chap. 2

Source: Benefits Delivery Network - COIN CP-145

1

 See footnote on page 27
Chapter 2 Business During FY 2000

31

f. Demographic Characteristics of Veterans with Service-Connected Disabilities

The tables in this section present information about veterans with disabilities found serviceconnected on original claims during fiscal year 2000 in the following categories:

• Age

• Gender

• Race

• Period of Service

• Branch of Service

• Length of Service

Most of the information in this segment is received from the Rating Board Automation (RBA)

Database in conjunction with data provided by the Defense Manpower Data Center (DMDC).

Note: As available from DMDC, the following tables include comparable demographic

information about military separations during fiscal year 2000. Not all original claims rated

during the fiscal year were filed by veterans who were discharged during the same period.

However, the information forms a basis for comparison.

By Age

The distribution by age among veterans who began receiving compensation during fiscal

year 2000 is shown below. Also shown is the age distribution of veterans discharged from

active duty during fiscal year 1999. The age groups with the most veterans are

highlighted in yellow.

Service-connected Compensation – By Age

For Veterans Who Began Receiving Compensation

During FY 2000

Age Number of

Veterans

Percent of

All Ages

Number of

Discharges

in FY 1999 1

Percent of

Discharges

in FY 1999

Annual

Payments2

Under 25 6,081 7.3% 108,718 47.6% $32,334,226

25 - 35 19,136 23.0% 73,077 32.0% $101,750,988

36 - 45 22,383 26.9% 38,511 16.9% $119,016,114

46 - 55 19,106 23.0% 7,730 3.4% $101,591,470

56 - 65 6,512 7.8% 303 0.1% $34,625,963

66 - 75 5,190 6.2% 0 0.0% $27,596,552

Over 75 4,751 5.7% 0 0.0% $25,262,278

All Ages 83,159 100.0% 228,339 100.0% $442,177,592

Table 12 – Chap. 2

Source: Benefits Delivery Network - COIN CP-127

Source: Defense Manpower Data Center Activity Duty Loss Profile

1

 Discharge data for FY 2000 is not yet available from DMDC

2

 The total annual amounts of service-connected compensation for each age group is calculated by multiplying the percentage of veterans for

each age group by the total annual amounts, which have been calculated using AVERAGE BENEFIT indicated on COIN CP-127.
Chapter 2 Business During FY 2000

32

By Gender

The distributions by gender of veterans granted service connection (whether

compensable or not) during fiscal year 2000 based upon original and subsequent

reopened claims follow. Also shown is the gender distribution of veterans discharged

from active duty during fiscal year 1999.

Service-Connected Disability

Original & Subsequent Reopened Claims Granted - By Gender

During Fiscal Year 2000

Female Male Total

Percent of Original Claims Granted1 16.0% 84.0% 100.0%

Percent of Subsequent Reopened Claims Granted1 7.0% 93.0% 100.0%

Percent of Veterans Discharged in FY 19992 16.3% 83.7% 100.0%

Table 13 – Chap. 2

1

Source: Rating Board Automation Data - Data Warehouse

2

Source: Defense Manpower Data Center "Officer and Enlisted Losses by Type" Report

 Discharge data for FY 2000 is not yet available from DMDC

By Race

The distributions by race (where known) of veterans granted service connection (whether

compensable or not) during fiscal year 2000 based upon original and subsequent

reopened claims are shown in the following table. Also shown is the race distribution

among veterans discharged from active duty during fiscal year 1999.

Service-Connected Disability

Original & Subsequent Reopened Claims Granted - By Race

During Fiscal Year 2000

Race Percent of

Original Claims

Granted1

Percent of

Subsequent

Reopened Claims

Granted1

Percent of

Veterans

Discharged in

Fiscal Year 19992

White 70.9% 65.9% 69.6%

Black 21.2% 28.1% 17.8%

Hispanic 0.8% 0.6% 7.4%

Asian/Pacific Islander 2.3% 2.2% 2.6%

American Indian/Alaskan 0.5% 0.8% 1.1%

Other 4.2% 2.4% 1.5%

Total 100.0% 100.0% 100.0%

Table 14 - Chap. 2

1

Source: Rating Board Automation - Data Warehouse

2

Source: Defense Manpower Data Center “Active Duty Loss Profile”

Discharge data for FY 2000 is not yet available from DMDC
Chapter 2 Business During FY 2000

33

By Period of Service

The next table shows the distributions by period of service of veterans granted service

connection (whether compensable or not) during fiscal year 2000 based upon original and

subsequent reopened claims.

Service-Connected Disability

Original & Subsequent Reopened Claims Granted

By Period Of Service

During Fiscal Year 2000

Period of Service Percent of

Original

Claims

Percent of

Subsequent Reopened

Claims

World War I 0.0% 0.0%

World War II 0.9% 9.0%

Korean War 0.5% 2.8%

Vietnam Era 4.1% 18.8%

Gulf War Era 56.7% 24.1%

Peacetime 0.7% 6.6%

Unknown1 37.1% 38.6%

All Periods 100.0% 100.0%

Table 15 – Chap. 2

Source: Rating Board Automation Data – Data Warehouse

1 Data not in Rating Board Automation Database

By Branch of Service

The distribution by branch of service of veterans granted service connection (whether

compensable or not) during fiscal year 2000 based upon an original claim is shown in the

following table. Also shown is the branch of service distribution of veterans discharged

from active duty during fiscal year 1999.

Service-Connected Disability

Original Claims Granted – By Branch Of Service1

During Fiscal Year 2000

Branch Percent of

Original Claims

Granted

Percent of

Veterans

Discharged in

Fiscal Year 19992

Army 37.9% 35.4%

Navy 30.7% 27.6%

Air Force 15.2% 20.0%

Marines 14.8% 15.3%

Coast Guard 1.3% 1.8%

Other3 0.1% Unknown

Total 100.0% 100.0%

Table 16 – Chap. 2

Source: Rating Board Automation Data – Data Warehouse

Source: Defenses Manpower Data Center “Active Duty Separations” Report

1 Information only represents those cases where Branch of Service is shown in the Rating

Board Automation Database

2 Discharge data for FY 2000 is not yet available from DMDC

3 Other represents Army National Guard claims
Chapter 2 Business During FY 2000

34

By Length of Service

The next table shows the distributions by length of service of veterans granted service

connection (whether compensable or not) during fiscal year 2000 based upon original and

subsequent reopened claims. The most frequent are highlighted in yellow.

Service-Connected Disability Claims Granted

By Length Of Service

During Fiscal Year 2000

Years of

Service

Percent of

Original Claims

Granted

Percent of

Subsequent

Reopened Claims

Granted

Less than 1 2.7% 4.0%

1 – 3 29.3% 50.6%

4 – 9 18.9% 18.4%

10 – 14 11.5% 6.6%

15 – 19 6.7% 4.2%

20 – 24 25.5% 11.4%

25 – 29 3.7% 2.4%

30 – 34 1.5% 1.0%

35 – 39 0.1% 0.1%

40 and over 0.0% 1.4%

Total 100.0% 100.0%

Table 17 – Chap. 2

Source: Rating Board Automation Data – Data Warehouse

g. Original and Subsequent Claims

Claims Received and Completed

The following table shows the number of original and subsequent reopened claims

received and completed during fiscal year 2000.

For administrative purposes, original claims are assigned to one of two categories

according to the number of disabilities presented for evaluation of service connection: (1)

one to seven disabilities; or (2) eight or more disabilities.

Original and Subsequent Disability Compensation Claims

During Fiscal Year 2000

Type of Claim Number

Received

Percent of

Grand Total

Received

Number

Completed

Percent of

Grand Total

Completed

Original Compensation – 1 to 7 Issues 89,858 21.4% 102,257 23.2%

Original Compensation – 8 or More Issues 21,814 5.2% 22,653 5.1%

TOTAL 111,672 26.6% 124,910 28.4%

Subsequent Reopened Compensation 308,837 73.4% 315,261 71.6%

GRAND TOTAL 420,509 100.0% 440,171 100.0%

Table 18 – Chap. 2

Source: Benefits Delivery Network – COIN DOOR 1001 Sept 2000
Chapter 2 Business During FY 2000

35

Subsequent Reopened Compensation Claims By Age of the Veteran

The next table shows the age distribution of subsequent reopened compensation claims

for which rating decisions were completed during fiscal year 2000.

Subsequent Reopened Compensation Claims

Decided by Rating During FY 2000

By Age of the Veteran1

Age Percent of Claims

Less than 20 0.1%

20-24 0.8%

25-29 2.9%

30-34 4.6%

35-39 5.5%

40-44 8.5%

45-49 11.2%

50-54 19.7%

55-59 10.1%

60-69 12.8%

70-79 16.2%

80+ 7.7%

Total 100.0%

 Table 19 – Chap. 2

 Source: Rating Board Automation Data – Data Warehouse 1

Data only represents those cases where the age of the veteran is shown

 in the Rating Board Automation Database

h. Grants and Denials for Service-Connected Disability Claims

By Individual Disabilities Claimed

The following table shows the percentages of grants and denials of service connection for

individual disabilities for original claims.

Service-Connected Disability Original Claims

Grants and Denials

By Individual Disabilities Claimed

During Fiscal Year 2000

Percent

Grants 46.3%

Denials 53.7%

Total 100.0%

Table 20 – Chap. 2

Source: Rating Board Automation Data – Data Warehouse
Chapter 2 Business During FY 2000

36

Service-Connected Disability Compensation by Disability Percentage

The next table provides the distribution of percentages assigned among all disabilities

determined to be service-connected. Depicted are all zero percent service-connected

evaluations, whether compensable or not. The highest percent is highlighted in yellow.

Service-Connected Disability

Original Claims Grants By Individual Disability

During Fiscal Year 2000

Disability Percent Percent Granted

0% 50.6%

10% 38.1%

20% 4.6%

30% 3.4%

40% 0.8%

50% 0.9%

60% 0.4%

70% 0.2%

80% 0.0%

90% 0.0%

100% 1.0%

Total 100.0%

Table 21 – Chap. 2

Source: Rating Board Automation Data – Data Warehouse

By Claim

The percentages of grants and denials of original claims for service-connection follow.

Note: Veterans may claim more than one disability in an application for compensation.

Information in the table reflects three categories of claims outcomes for original claims –

all claimed disabilities were found service-connected (granted); all claimed disabilities

were found not service-connected (denied); or some combination of granted and denied.

Service-Connected Disability

Original Claims Granted or Denied

During Fiscal Year 2000

Percent

Veterans Who Had All Issues Claimed Granted 14.0%

Veterans Who Had All Issues Claimed Denied 38.6%

Veterans Who Had A Combination of Issues Granted and Denied 47.4%

Total 100.0%

Table 22 – Chap. 2

Source: Rating Board Automation Data – Data Warehouse
Chapter 2 Business During FY 2000

37

2. COMPENSATION – BASED UPON SERVICE-CONNECTED DEATH

Dependency and Indemnity Compensation (DIC) is a monetary death benefit for survivors of

certain deceased veterans or service members. DIC is payable to surviving spouses, children,

and/or dependent parents of the following:

• Service members who die during military service of causes that are not due to the

person’s willful misconduct;

• Veterans who die of a service-connected disease or injury;

• Veterans who die from a non service-connected disability but who were continuously

rated 100 percent disabled for service-connected disabilities for at least 10 years

immediately preceding death (or at least five years from the date of discharge to the

date of death).16

• Veterans who are former POWs who die after September 30, 1999, and were

continuously rated 100 percent for service-connected disabilities for a period of not less

than one year immediately preceding death.17

Congress changed the law for payments to DIC surviving spouses for deaths occurring on or

after January 1, 1993. “Protected DIC” refers to payments made for deaths that occurred prior

to January 1, 1993. Payments under Protected DIC were based on the deceased veteran’s

pay grade. “Reformed DIC” refers to payments made for deaths occurring on or after January

1, 1993. Reformed DIC pays a standard fixed rate. An additional amount is added if the

veteran was rated totally disabled for eight years immediately preceding death. Surviving

spouses entitled to DIC under the protected program will be paid the reformed DIC fixed rate

(including the additional amount, if applicable) if it is a greater benefit.

a. Beneficiaries Who Began Receiving DIC during Fiscal Year 2000

The next table shows the number of surviving spouses, children (those not included as

dependents in a surviving spouse’s award), and dependent parents initially receiving DIC

benefits during fiscal year 2000. The table also identifies the total annual amount and the

average annual amount of DIC benefits paid to these survivors.

Total Beneficiaries Who Began Receiving

Dependency and Indemnity Compensation (DIC)

During fiscal Year 2000

Type of Benefit Number Percent of

Total

Total

Annual Amounts

Average

Annual Amounts

Surviving Spouses 15,679 87.5% $180,341,860 $11,502

Surviving Children 2,017 11.3% $7,400,737 $3,669

Surviving Parents 214 1.2% $496,825 $2,322

TOTAL 17,910 100.0% $188,239,422 $10,510

Table 23 – Chap. 2

Source: Benefits Delivery Network - COIN CP-127

 

16 38 U.S.C. 1318 17 Section 501 of Pub. L. 106-117 enacted on November 30, 1999
Chapter 2 Business During FY 2000

38

b. Demographic Characteristics of Beneficiaries Who Began Receiving DIC during

Fiscal Year 2000

The following tables present information in the following categories about beneficiaries

who began receiving DIC benefits during fiscal year 2000:

• Relationship

• Age (of surviving spouses and children)

• Marital status (of surviving parents)

By Relationship to the Veteran

New DIC beneficiaries by their relationship to the veteran (i.e., spouse, child, or

dependent parent), are shown.

Beneficiaries Who Began Receiving DIC

By Relationship

During Fiscal Year 2000

Surviving

Spouse

Children Parent Total

Beneficiaries

Number 15,679 2,017 214 17,910

Percent 87.5% 11.3% 1.2% 100.0%

Table 24 – Chap. 2

Source: Benefits Delivery Network - COIN CP-127

By Age of Surviving Spouse

The next table shows the age distribution among surviving spouse DIC beneficiaries. The

largest age group is highlighted in yellow.

Surviving Spouses Who Began Receiving DIC

By Age

During Fiscal Year 2000

Age Number Percent of All

Ages

Annual

Payments

Under Age 25 81 0.5% $911,185

25 – 35 282 1.8% $3,141,209

36 – 45 806 5.1% $9,074,726

46 – 55 2,137 13.6% $24,286,524

56 – 65 2,813 17.9% $32,401,494

66 – 75 4,421 28.2% $51,499,903

Over 75 5,139 32.8% $59,026,818

All Ages 15,679 100.0% $180,341,860

Table 25 – Chap. 2

Source: Benefits Delivery Network – COIN CP 127
Chapter 2 Business During FY 2000

39

By Age of Children

The following table shows the distribution of DIC children who are not in the custody of a

surviving spouse in two age categories: those over age 18 and those under age 18.

Children over age 18 are shown according to their beneficiary status: Those eligible to

receive DIC because of school attendance and those eligible because they are helpless.

Children Who Began Receiving DIC

By Age

During Fiscal Year 2000

Under Age 181 Age 18 and Over

in School

Age 18 and Over

and Helpless

Total All

Categories

Number 576 1,269 172 2,017

Percent 28.6% 62.9% 8.5% 100.0%

Annual Payments $2,821,806 $3,590,915 $988,016 $7,400,737

Table 26 – Chap. 2

Source: Benefits Delivery Network – COIN CP-127

1 Includes 292 consolidated awards that account for more than one child.

By Marital Status of Surviving Parents

The marital status of a surviving parent determines how they’re paid DIC. Marital status

categories and their definitions follow:

• No Spouse – one parent is alive and has no spouse.

• Spouse – both parents are alive and married to other persons.

• Apart – both parents are alive and are not living together.

• Together – both parents are alive and living together

• Remarried – one parent is alive and has remarried.

The distribution of marital status among surviving dependent parents is shown in the next

table.

Surviving Parents Who Began Receiving DIC

By Marital Status

During Fiscal Year 2000

No

Spouse

Spouse Apart Together Remarried Total

Number 162 5 14 29 4 214

Percent 75.7% 2.3% 6.5% 13.6% 1.9% 100.0%

Annual Payments $425,192 $8,867 $26,751 $30,356 $5,659 $496,825

Table 27 – Chap. 2

Source: Benefits Delivery Network - COIN CP-127
Chapter 2 Business During FY 2000

40

3. PENSION - BASED UPON NONSERVICE-CONNECTED DISABILITY

a. Veterans Who Began Receiving Disability Pension During Fiscal Year 2000

The number of veterans added to the disability pension rolls during fiscal year 2000 is shown

in the next table. The table also shows the total annual amount and the average annual

amount of disability pension payments.

Note: The table groups the two older pension programs into one category called “Other

Pensions.” No original claims can be granted under the two protected, or “grandfathered,”

pension programs. However, former beneficiaries under these programs can have their

benefits restored if they meet certain income and eligibility criteria.

Veterans Who Began Receiving Disability Pension

By Program

During Fiscal Year 2000

Type of Pension Number of

Veterans

Percent of

Total

Total Annual

Amounts

Average Annual

Amounts

PL 95-588 - New Law Pension 45,121 99.8% $294,826,029 $6,534

Other Pension Programs 73 0.2% $171,188 $2,345

TOTAL 45,194 100.0% $294,997,216 $6,527

Table 28 – Chap. 2

Source: Benefits Delivery Network - COIN CP-103

b. Demographic Characteristics of Veterans Who Began Receiving Disability Pension 

During Fiscal Year 2000

By Age

The age distribution among veterans who began receiving disability pension in fiscal year

2000 follows. The total annual amount of disability pension payments for each age group

is shown in the last column of the table.

For each category of pension, the yellow highlighted boxes indicate the age group with the

most veteran beneficiaries.
Chapter 2 Business During FY 2000

41

Veterans Who Began Receiving Disability Pension

By Age

During Fiscal Year 2000

Other Pension1 New Law Pension All Pension

Programs

Age Number Percent of

All Ages

Number Percent of

All Ages

Total For

Age Group

Percent

of All

Ages

Annual

Payments

Under Age 25 0 0.0% 30 0.1% 30 0.1% $196,024

25 - 35 0 0.0% 344 0.8% 344 0.8% $2,247,737

36 - 45 0 0.0% 1,869 4.1% 1,869 4.1% $12,212,270

46 - 55 4 5.5% 14,493 32.1% 14,497 32.1% $94,708,381

56 - 65 3 4.1% 5,431 12.0% 5,434 12.0% $35,493,841

66 - 75 19 26.0% 10,235 22.7% 10,254 22.7% $66,921,274

Over 75 47 64.4% 12,719 28.2% 12,766 28.2% $83,217,689

All Ages 73 100.0% 45,121 100.0% 45,194 100.0% $294,997,216

Table 29 – Chap. 2

Source: Benefits Delivery Network - COIN CP-103

1

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

4. PENSION - BASED UPON NONSERVICE-CONNECTED DEATH

a. Beneficiaries Who Began Receiving Death Pension During Fiscal Year 2000

The number of beneficiaries added to the death pension rolls during fiscal year 2000 is shown

in the next table. The table also shows the total annual amount and the average annual

amount of death pension payments.

Note: The table groups the two older pension programs into one category called “Other

Pensions.” Original claims can no longer be granted under the two older pension programs.

However, survivors whose awards were previously stopped can be reinstated if they show that

they continuously met eligibility criteria from the date we stopped their awards.

Surviving Spouses Who Began Receiving Death Pension

By Program

During Fiscal Year 2000

Type of Pension Number of

Surviving

Spouses

Percent of

Total

Total Annual

Amounts

Average Annual

Amounts

PL 95-588 - New Law Pension 22,070 99.8% $72,968,717 $3,306

Other Pension Programs 49 0.2% $49,039 $1,001

TOTAL 22,119 100.0% $73,017,756 $3,301

Table 30 – Chap. 2

Source: Benefits Delivery Network - COIN CP-103
Chapter 2 Business During FY 2000

42

b. Demographic Characteristics of Surviving Spouses Who Began Receiving Death

 Pension during Fiscal Year 2000

By Age

The next table shows the distribution among surviving spouses who began receiving

death pension in fiscal year 2000 by age groups. The total annual amount of death

pension payments for each age group is shown in the last column of the table.

Surviving Spouses Who Began Receiving Death Pension

By Age

During Fiscal Year 2000

Other Pension1 New Law Pension All Pension Programs

Age Number Percent of

All Ages

Number Percent of

All Ages

Total For

Age Group

Percent of

All Ages

Annual Payments

Under

Age 25

0 0.0% 116 0.5% 116 0.5% $383,524

25 - 35 0 0.0% 90 0.4% 90 0.4% $297,562

36 - 45 0 0.0% 648 2.9% 648 2.9% $2,142,444

46 - 55 1 2.0% 2,676 12.1% 2,677 12.1% $8,848,499

56 - 65 1 2.0% 3,407 15.4% 3,408 15.4% $11,265,360

66 - 75 9 18.4% 5,038 22.8% 5,047 22.8% $16,665,844

Over 75 38 77.6% 10,095 45.7% 10,133 45.8% $33,414,523

All Ages 49 100.0% 22,070 100.0% 22,119 100.0% $73,017,756

 Table 31 – Chap. 2

 Source: Benefits Delivery Network - COIN CP-103

 1 The “Other Pension” category groups the two older pension programs (Protected Pension and Section 306 Pension) into one category.
Chapter 2 Business During FY 2000

43

5. EDUCATION

a. Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2000

The number of veterans, dependents, service members and reservists that began receiving

education benefits for the first time during fiscal year 2000 is shown in the following table.

Beneficiaries Who Began Receiving Education Benefits

During Fiscal Year 2000

Program Number of

Beneficiaries

Percent

of Total

Dependents Education 5,763 6.9%

Montgomery GI Bill - Active Duty1 63,123 76.1%

Montgomery GI Bill – Reserves2 12,337 14.9%

Post-Vietnam Veterans Education 1,764 2.1%

Total 82,987 100.0%

Table 32 – Chap. 2

Source: Education Service SAS Reports

1

 Based on Active Duty service

2

 Based on service in the Selected Reserve

b. Characteristics of the Training Being Pursued By Beneficiaries

By Type of Training

The distribution, by program, of the types of training of beneficiaries who began using their

education benefit, for the first time, during fiscal year 2000 follows. The most frequent

type of training and the program with the largest enrollment are highlighted in yellow.

Beneficiaries Who Began Receiving Education Benefits

By Type Of Training and Program

During Fiscal Year 2000

Education Program College

Non-Degree

Graduate UnderGraduateVocational/

Technical

Program

Totals

Percent

of All

Programs

Dependents Education 88 94 3,356 2,225 5,763 6.9%

Montgomery GI Bill - Active Duty1 1,907 2,623 52,701 5,892 63,123 76.1%

Montgomery GI Bill – Reserves2 92 560 11,514 171 12,337 14.9%

Post-Vietnam Veterans Education 26 382 1,295 61 1,764 2.1%

Type Training Totals 2,113 3,659 68,866 8,349 82,987 100.0%

Percent of Program Totals 2.5% 4.4% 83.0% 10.1%

Table 33 – Chap. 2

Source: Education Service SAS Reports

1

 Based on Active Duty service

2

 Based on service in the Selected Reserve
Chapter 2 Business During FY 2000

44

By Training Time

The following chart shows the distribution, by program, of the training times of the

beneficiaries who began using their education benefit for the first time during fiscal year

2000. The most frequent training time and the program with the largest enrollment are

highlighted in yellow.

Beneficiaries Who Began Receiving Education Benefits

By Training Time and Program

During Fiscal Year 2000

Education Program Less Than

One-Half

Time

Half

Time

Three

Quarter

Time

Full

Time

Program

Totals

Percent

of All

Programs

Dependents Education 676 692 744 3,651 5,763 6.9%

Montgomery GI Bill - Active Duty1 4,296 10,744 7,912 40,171 63,123 76.1%

Montgomery GI Bill – Reserves2 560 1,258 1,163 9,356 12,337 14.9%

Post-Vietnam Veterans Education 318 422 264 760 1,764 2.1%

Training Time Totals 5,850 13,116 10,083 53,938 82,987 100.0%

Percent of Program Totals 7.0% 15.8% 12.2% 65.0%

Table 34 – Chap. 2

Source: Education Service SAS Reports

1

 Based on Active Duty service

2

 Based on service in the Selected Reserve
Chapter 2 Business During FY 2000

45

6. LIFE INSURANCE

a. Coverage Established During Fiscal Year 2000

There are four government life insurance programs in which new coverage is issued. They

are:

• Veterans Mortgage Life Insurance (VMLI)

• Service-Disabled Veterans Insurance (SDVI)

• Veterans Group Life Insurance (VGLI)

• Service members’ Group Life Insurance (SGLI)

Table 35, page 45 identifies the number of new policies issued during fiscal year 2000, the

total face value of the policies, and the average face value of the policies.

Note: Throughout the Insurance program sections of this report, the term “face value” means

the amount of money that would be paid upon the death of the veteran. For some policies, the

face value can exceed the basic amount of the policy (which is usually $10,000) because of

the option of using dividends to purchase “paid up additions” to the policy.

In the case of SGLI, the military services maintain the records on insured service members.

The actual number of service members who enrolled in SGLI in fiscal year 2000 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 2000.

New Insurance Coverage Issued

During Fiscal Year 2000

Insurance Number of

People Insured

Total

Coverage Amount

Average

Face Value

Maximum

Face Value

VMLI1 205 $20,860,877 $101,760 $90,000

SDVI2 4,705 $53,626,500 $11,398 $10,0003

VGLI4 39,886 $5,833,390,000 $146,252 $200,0006

SGLI5 240,969 $44,518,413,800 $184,747 $200,0006

TOTAL 285,765 $50,426,291,177 $176,461

Table 35 – Chap. 2

1

 Source: VMLI Quarterly Report

2

 Source: Insurance Master Record Database - 510 Monthly Report

3 Additional coverage, up to $20,000, is available for totally disabled policyholders. 981new Supplemental SDVI policies

were issued.

4 Source: Veterans And Reservists Group Insurance System - OSGLI Monthly Report. VGLI data is for the policy year

ending June 30, 2000.

5 Estimates based upon accessions to Active Duty and Reserve forces in FY00. Data on accessions from Defense

Manpower Data Center.

6

 Effective April 1, 2001, the maximum coverage for VGLI and SGLI will increase to $250,000.
Chapter 2 Business During FY 2000

46

b. Insurance Payments Made During Fiscal Year 2000

Dividends, loans and disability payments are made on some government life insurance

policies. These are payments made from active policies to the veteran policyholder. The

following table shows data concerning the payments made during fiscal year 2000.

Note: Payments of death claims, cash surrenders and matured endowments end the policy.

See page 72 of this report concerning “Benefits That Ended During Fiscal Year 2000” for data

in these categories of payments.

Insurance Payments Made

During Fiscal Year 2000

Dividends Number1 Amount2 Average

Payment

USGLI 17,973 $3,608,715 $201

NSLI 1,802,101 $595,691,298 $331

VSLI 233,893 $96,120,532 $411

VRI 82,545 $21,815,838 $264

TOTAL 2,136,512 $717,236,383 $336

Loans Number3,4 Amount5 Average

Payment

USGLI 51 $170,000 $3,333

NSLI 16,706 $74,460,000 $4,457

VSLI 4,631 $13,330,000 $2,878

VRI 926 $3,600,000 $3,888

SDVI 9,127 $8,610,000 $943

TOTAL 31,441 $100,170,000 $3,186

Disability Number6 Amount7 Average

Payment

USGLI 100 $58,371 $584

NSLI 19,533 $21,926,468 $1,123

VSLI 3,308 $4,645,591 $1,404

VRI 972 $717,024 $738

TOTAL 23,913 $27,347,454 $1,144

GRAND TOTAL 2,191,866 $844,753,837 $385

Table 36 – Chap. 2

1

 Source: Insurance Master Record Database - Insurance Statistical Report-700

2

 Source: Source: Insurance General Ledger Accounting System - FY00 Statement of Cash Flows

3

 Source: Program numbers from an estimate based on a sample of loans from SQC in FY00 and a

percent of the total.

4

 Source: Program totals from Insurance Master Record Database - COIN 84 and Philadelphia MTC

Records Report-155

5

 Source: Insurance General Ledger Accounting System - Statement of Financial Condition Report

6

 Source: Insurance Master Record Database - 510 Monthly Report

7

 Source: Insurance General Ledger Accounting System - CFO FY00 Life Insurance Statements (Incurred

Basis)
Chapter 2 Business During FY 2000

47

7. HOME LOAN GUARANTY

a. Total Loans Guaranteed

The following table shows the number of home loans guaranteed during fiscal year 2000, the

total loan value, and the average value of a loan involved in the guaranty program.

Note: The guaranteed amount is less than the entire loan amount. Therefore, the table also

shows the total value of the guaranties involved and the average value of a guaranty.

Loans Guaranteed During Fiscal Year 2000

Number of

Loans

Total Loan Amount Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

TOTAL 199,160 $23,372,158,574 $117,354 $7,071,308,639 $35,506

Table 37 – Chap. 2

Source: LGY SAS File

b. Types of Loans Guaranteed during Fiscal Year 2000

Note: The three types of loans shown are defined by the purpose of the loan. A “Purchase

Loan” is a loan obtained for the purchase of a home. The other two types of loans are

obtained to refinance an existing mortgage. Refinancing to reduce the interest rate is shown

as a separate item because it is the most common reason for refinancing a loan.

Loans Guaranteed During Fiscal Year 2000

Based on Purchase Loan Versus Refinance Loans

Type of Loan Number

of

Loans

Percent

of

Total

Total

Loan

Amount

Avg.

Loan

Amount

Total

Guaranty

Amount

Avg.

Guaranty

Amount

Avg.

Interest

Purchase Loans 185,553 93.2% $21,997,251,165 $118,550 $6,637,624,381 $35,772 8.11%

Refinance –

Interest Rate

Reduction

9,524 4.8% $951,408,219 $99,896 $302,334,234 $31,744 7.27%

Refinance -

Other Reasons

4,083 2.1% $423,499,190 $103,723 $131,350,024 $32,170 7.97%

TOTAL 199,160 100.0% $23,372,158,574 $117,354 $7,071,308,639 $35,506 8.06%

Table 38 – Chap. 2

Source: LGY SAS File
Chapter 2 Business During FY 2000

48

c. Specially Adapted Housing Grants and Direct Loans to Native American Veterans

The following table shows information concerning programs designed to provide housing

assistance grants to seriously disabled veterans and direct loans to Native American veterans.

Specially Adapted Housing Grants And Direct Loans

During Fiscal Year 2000

Programs Number of

Grants/Loans

Amount of

Grants/Loans

Average Grant/Loan

Amount

Specially Adapted Housing Grants 509 $21,308,009 $41,863

Special Housing Adaptation Grants 65 $506,991 $7,800

TOTAL 574 $21,815,090 $38,005

Direct Loans to Native Americans1 21 $1,870,851 $89,088

GRAND TOTAL 595 $23,685,941 $39,808

Table 39 – Chap. 2

Source: FY 2001 Budget, Construction Valuation

1

 Includes disbursements on loans not yet closed.

d. Characteristics of Home Loan Guaranties

By Down-payment Option

The following table shows the distribution of new home loan guaranties if a down payment

was involved in the loan.

Note: The objective of the VA loan guaranty program is to enable veterans (and other

eligible people18) to enter the home-buying market. The “no down-payment” feature is

intended to help a veteran purchase a home. As indicated, this option was used in over

90 percent of the loans guaranteed.

Purchase Loans Guaranteed During Fiscal Year 2000

By Downpayment Status

Status Number

of Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

No Down-payment 166,758 89.9% $19,445,064,765 $116,606 $5,918,633,544 $35,492

Down-payment 18,795 10.1% $2,552,186,400 $135,791 $718,990,837 $38,254

TOTAL 185,553 100.0% $21,997,251,165 $118,550 $6,637,624,381 $35,772

Table 40 – Chap. 2

Source: LGY SAS File

 

18 Service members, reservists, surviving spouses, and spouses of POW/MIA service members are also eligible under certain circumstances.
Chapter 2 Business During FY 2000

49

By “First Time Buyer” Status

The distribution of new loan guaranties by “buyer status” is shown in the next table. “First

time homeowner” refers to those eligible persons who used their entitlement to purchase

their first home.

Purchase Loans Guaranteed During Fiscal Year 2000

Based on Buyer Status

Buyer Status Number

of Loans

Percent of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

First Time

Homeowner

101,955 54.9% $11,510,009,242 $112,893 $3,581,645,252 $35,130

Previous

Homeowner

83,598 45.1% $10,487,241,923 $125,448 $3,055,679,129 $36,552

TOTAL 185,553 100.0% $21,997,251,165 $118,550 $6,637,324,381 $35,771

Table 41 – Chap. 2

Source: LGY SAS File

e. Demographic Characteristics of People Who Obtained Home Loan Guaranties

By Periods of Service and Other Entitlement Criteria

Data regarding loans guaranteed during fiscal year 2000 by veteran’s period of service

and by other entitlement criteria follow. Brief definitions of the entitlement criteria can be

found in Chapter 1 on page 14. The following table is subdivided into two parts -

entitlements for veterans and other entitlement categories. The largest amounts by

category are highlighted in yellow.

Loans Guaranteed During Fiscal Year 2000

By Period of Service (or Entitlement)

Entitlement Number

of Loans

Percent of

Grand

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

World War II 918 0.5% $80,309,778 $87,483 $27,721,164 $30,197

Post-World War II 97 0.0% $9,619,137 $99,166 $3,139,516 $32,366

Korean War 1,222 0.6% $114,161,113 $93,422 $38,029,826 $31,121

Post-Korean War 2,625 1.3% $261,316,593 $99,549 $85,059,233 $32,404

Vietnam Era 19,968 10.0% $2,148,162,710 $107,580 $672,512,451 $33,680

Post-Vietnam Era 34,002 17.1% $3,867,885,633 $113,755 $1,191,161,516 $35,032

Gulf War Era 52,431 26.3% $6,003,575,447 $114,504 $1,852,559,089 $35,333

Restored Entitlement 49,374 24.8% $6,336,235,224 $128,331 $1,819,034,769 $36,842

TOTAL 160,637 80.7% $18,821,265,635 $117,166 $5,689,217,564 $35,417

Service Personnel1 30,565 15.3% $3,631,841,703 $118,824 $1,100,033,878 $35,990

Reservists 7,440 3.7% $868,207,640 $116,695 $265,268,745 $35,654

Unremarried Survivor 509 0.3% $50,022,089 $98,275 $16,511,298 $32,439

Spouse of POW 9 0.0% $821,507 $91,279 $277,154 $30,795

TOTAL 38,523 19.3% $4,550,892,939 $118,134 $1,382,091,075 $35,877

GRAND TOTAL 199,160 100.0% $23,372,158,574 $117,354 $7,071,308,639 $35,506

Table 42 – Chap. 2

Source: LGY SAS File

1

 Based on when the loan was made
Chapter 2 Business During FY 2000

50

By Income

The next table shows the distribution of purchase loans guaranteed during fiscal year

2000 by the annual income of the eligible borrower. The highest number of loans is

highlighted in yellow.

Purchase Loans Guaranteed During Fiscal Year 2000

Based on Annual Income

Income Number

of

Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

Median

Assets

Less than $25,000 9,343 5.0% $662,911,345 $70,953 $257,283,679 $27,538 $2,329

$25,000 to $34,999 27,307 14.7% $2,360,192,046 $86,432 $856,933,826 $31,381 $3,000

$35,000 to $44,999 39,189 21.1% $4,041,224,845 $103,121 $1,331,338,268 $33,972 $3,856

$45,000 to $54,999 37,134 20.0% $4,405,565,042 $118,640 $1,333,218,620 $35,903 $4,596

$55,000 to $64,999 28,448 15.3% $3,784,275,477 $133,024 $1,071,607,351 $37,669 $5,600

$65,000 to $74,999 19,083 10.3% $2,762,289,472 $144,751 $748,058,453 $39,200 $6,754

$75,000 and over 25,049 13.5% $3,980,792,958 $158,920 $1,039,194,184 $41,486 $9,556

TOTAL 185,553 100.0% $21,997,251,185 $118,550 $6,637,634,381 $35,772 $4,800

Average Income: $ 53,088

Median Income: $ 49,464

Median Loan: $115,260

Table 43 – Chap. 2

Source: LGY SAS File
Chapter 2 Business During FY 2000

51

By Age

The distribution of new loan guaranties by age of the borrower is shown in the next table.

The highest number of loans is highlighted in yellow.

Home Loans Guaranteed During Fiscal Year 2000

Based on Age

Age Number

of Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

18 - 25 8,431 4.2% $799,233,676 $94,797 $273,687,001 $32,462

26 - 35 74,790 37.6% $8,772,291,544 $117,292 $2,673,083,469 $35,741

36 - 45 60,180 30.2% $7,429,300,768 $123,451 $2,191,186,547 $36,411

46 - 55 36,885 18.5% $4,358,580,894 $118,167 $1,302,597,094 $35,315

56 - 65 12,645 6.3% $1,406,676,662 $111,244 $432,051,034 $34,168

Over 65 6,229 3.1% $606,085,030 $97,301 $198,703,494 $31,900

TOTAL 199,160 100.0% $23,372,158,574 $117,354 $7,071,308,639 $35,506

Average overall age: 40.0

Table 44 – Chap. 2

Source: LGY SAS File

By Race

Providing race information on the application for a purchase loan is voluntary. About 83

percent of borrowers provided race information during fiscal year 2000. The race

demographics presented in the following table show the distribution among the 83 percent

who provided that information.

Purchase Loans Guaranteed During Fiscal Year 2000

Based on Known Racial Codes

Race Number

of Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

White 118,750 77.3% $13,810,230,159 $116,297 $4,202,316,581 $35,388

Black 22,705 14.8% $2,646,355,153 $116,554 $804,194,445 $35,419

Hispanic 9,239 6.0% $1,078,568,748 $116,741 $327,675,722 $35,467

Native American 875 0.6% $99,509,617 $113,725 $30,427,255 $34,774

Asian 2,083 1.4% $289,662,203 $139,060 $80,457,697 $38,626

TOTAL 153,652 100.0% $17,924,325,880 $116,655 $5,445,071,700 $35,438

Table 45 – Chap. 2

Source: LGY SAS File
Chapter 2 Business During FY 2000

52

8. VOCATIONAL REHABILITATION AND EMPLOYMENT (VR&E)

a. VR&E Veterans and Eligible Dependents Served during Fiscal Year 2000

The numbers in this table represent the number of services provided to the 65,316 veterans

who were served by Vocational Rehabilitation and Employment Services during FY 2000.

These services include Evaluation and Planning Services, Employment Services, and

Rehabilitation Services.

Services By The

Vocational Rehabilitation Programs

During Fiscal Year 2000

Program Number Percent

Service-Connected Veterans (Chapter 31) 246,351 99.98%

Pension Recipients (Chapter 15) 7 0.00%

Vietnam Veterans Children With Spina Bifida (Chapter 18) 35 0.01%

Total 246,393 100%

Table 46 – Chap. 2

Sources: VR&E Program Management Reports (10-1-99) and Regional Office Reports

The mission of the Vocational Rehabilitation and Employment (VR&E) Program is to provide

comprehensive services and assistance necessary to enable veterans with service-connected

disabilities and employment handicaps to become employable, then obtain and maintain

stable suitable employment. When the severity of disability prohibits suitable employment,

VR&E assists those veterans to achieve maximum independence in daily living activities.

Veterans may progress through a series of steps, or case statuses, that describe the part of

the program they are currently in, and what services may be provided. These steps are

described below:

• Step 1. Application for the benefit.

• Step 2. Evaluation to assess needs and determine services to which a veteran

may be entitled and conduct rehabilitation planning.

• Step 3. Provide rehabilitation services for employment (services and assistance

that lead to the veteran to become job-ready or able to live more independently in

the community).

• Step 4. Service in “job-ready” status assist the veteran in obtaining and

maintaining suitable employment.

• Step 5. Rehabilitation - includes veterans who obtain and maintain suitable

employment or achieved maximum independence in daily living (as described on

page 74).

The following subsections provide information about veterans who participated in each of the

steps during fiscal year 2000. A veteran proceeds through the rehabilitation process step by

step. While a veteran may be counted in more than one step as a result of completing a step

and moving on, no veteran participates in more than one step at a time. Basic data

concerning the number of veterans involved in each step is provided first, followed by

demographic information.
Chapter 2 Business During FY 2000

53

b. Step 1: Applicants for a Program of Rehabilitation and Employment Services

A total of 64,692 veterans applied for rehabilitation and employment services during fiscal year

2000. The following three tables show demographic characteristics of the veterans who

applied.

This first step (where the veteran enters Applicant Status) begins when the veteran’s

application is received by VA and the veteran is found to have basic eligibility. Basic eligibility

is determined when:

• the veteran has a discharge under other than dishonorable conditions, and

• the veteran has a compensable disability (i.e., the disability is evaluated as 10% or

more)

During Applicant Status, the veteran is scheduled for an individual appointment to determine

his/her entitlement to a program of services. At this time, he/she may be provided with

information on the nature and process of the program through either individual

communications or through a group briefing. Follow-up activities are conducted to assure that

the veteran meets the scheduled appointment or reschedules the appointment date and time.

Applicants for Vocational Rehabilitation

By Combined Degree of Disability

During Fiscal Year 2000

Disability

Evaluation

Number Percent

0% 107 0.2%

10% 6,620 11.8%

20% 10,812 19.3%

30% 10,332 18.5%

40% 7,108 12.7%

50% 4,086 7.3%

60% 3,234 5.8%

70% 2,008 3.6%

80% 977 1.7%

90% 362 0.6%

100% 2,651 4.7%

Other1 7,677 13.7%

Total 55,974 100%

Table 47 - Chap. 2

VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse and Disability

Compensation Data

1

Contains cases not rated and memo ratings
Chapter 2 Business During FY 2000

54

Note: The “Other” category includes applicants with non-compensable service

connected disabilities; i.e.:

• disabilities were not found to be service-connected, or

• disabilities were service-connected but not so disabling as to allow payment

of compensation, or

• no application for service connection was made (In this instance, a

memorandum rating is required to determine entitlement to vocational

rehabilitation on the basis of service-connected disability level.)

By Gender

Applicants for Vocational Rehabilitation

By Gender

During Fiscal Year 2000

Female Male Total

Number 8,831 47,143 55,974

Percent 15.8% 84.2% 100.0%

Table 48 – Chap. 2

Source: VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse

By Age

Applicants for Vocational Rehabilitation

By Age

During Fiscal Year 2000

Age

17 - 21

Age

22 - 29

Age

30 - 39

Age

40 - 49

Age

50 - 59

Age

>60

Total For

All Ages1

Number 1,049 10,081 14,191 18,232 10,081 2,336 55,970

Percent 1.9% 18.0% 25.4% 32.6% 18.0% 4.2% 100.0%

Table 49 – Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

1

Four records had no age information

c. Step 2: Evaluation and Planning or Extended Evaluation

Veterans are provided a comprehensive evaluation to assess needs and determine their

entitlement to a program of rehabilitation and employment services and conduct rehabilitation

planning. Each veteran goes through the Evaluation and Planning status, and may also go

through the Extended Evaluation status if it is needed in the individual case. If entitlement is

found, VR&E gathers information to develop an individualized plan of services to help the

veteran achieve either a specific occupational goal or independence in daily living. If

entitlement is not found, VR&E assists veterans with developing their options before they exit

the process.

In fiscal year 2000, 59,225 veterans participated in evaluation and planning and extended

evaluation processes. Demographic data for veterans found to be entitled (for rehabilitation

and employment services) during fiscal year 2000 are reflected in the following tables.
Chapter 2 Business During FY 2000

55

Below is a brief description of the Evaluation and Planning status and the Extended Evaluation

status:

1) Evaluation and Planning: A veteran who reports for his/her initial evaluation

appointment is placed in the Evaluation and Planning status. In this status, a

comprehensive evaluation of the veteran’s abilities, interests, and aptitudes is

accomplished by evaluating medical information, educational and work histories, and

other information specific to the circumstance of the veteran. The Vocational

Rehabilitation Counselor (VRC) or Counseling Psychologist (CP) uses this information

to determine if the veteran is entitled to a program of services and, if found to be

entitled, works with the veteran to develop a specific plan of services to achieve the

agreed upon goal.

2) Extended Evaluation: During the Evaluation and Planning Status, the VRC may

determine that, due to the extent of the veteran’s disabilities, there is insufficient

information to determine if a veteran can benefit from a rehabilitation and employment

program. The VRC is also unable to determine in these cases if the veteran will

eventually achieve the goal of suitable employment or maximization of independent

living skills. In order to further assess the veteran’s potential, he/she is placed in the

Extended Evaluation status. A specialized rehabilitation service provides the VRC or

CP with a more detailed assessment of the veteran’s potential to achieve a

rehabilitation goal. This assessment aids the VRC or CP in developing the veteran’s

plan for services.

Note: Of the 59,225 veterans who were provided evaluation services in FY 2000, 33,065 were

found to be entitled to programs of rehabilitation services. The remainder was not found

entitled or dropped out of the evaluation process prior to this determination.
Chapter 2 Business During FY 2000

56

By Combined Degree of Service-connected Disability

Note: The “Other” category includes applicants with non-compensable (0%) evaluations

for service-connected disabilities or non-service-connected disabilities.

Veterans Entitled to Vocational Rehabilitation

By Combined Degree of Disability

During Fiscal Year 2000

Disability

Evaluation

Number Percent

0% 7 0.0%

10% 1,297 3.9%

20% 6,688 20.0%

30% 6,902 20.9%

40% 5,467 16.5%

50% 3,395 10.3%

60% 2,926 8.8%

70% 1,945 5.9%

80% 1,044 3.2%

90% 411 1.2%

100% 2,079 6.3%

Other1 904 2.7%

Total 33,065 100%

 Table 50 - Chap. 2 Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network

 Data Warehouse and Disability Compensation Data

 1

 Contains cases not rated and memo ratings

By Gender

Veterans Entitled to Vocational Rehabilitation

By Gender

During Fiscal Year 2000

Female Male Total

Number 5,907 27,158 33,065

Percent 17.9% 82.1% 100.0%

Table 51 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse

By Age

Veterans Entitled to Vocational Rehabilitation

By Age

During Fiscal Year 2000

Age

17 - 21

Age

22 - 29

Age

30 - 39

Age

40 - 49

Age

50 - 59

Age

>60

Total For

All Ages1

Number 314 5,960 9,263 10,883 5,663 982 33,065

Percent 0.9% 18.0% 28.0% 32.9% 17.1% 3.0% 100.0%

Table 52 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse
Chapter 2 Business During FY 2000

57

By Period of Service

Veterans Entitled to Vocational Rehabilitation

By Period of Service

During Fiscal Year 2000

World

War II

Post

World

War II1

Korean

War

Post

Korean

War1

Vietnam

Era

Post

Vietnam

Era1

Gulf War

Era

Total All

Service

Periods

Number 113 23 116 322 4,050 7,238 21,203 33,065

Percent 0.3% 0.1% 0.4% 1.0% 12.2% 21.9% 64.1% 100%

Table 53 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

1 These three periods are generally combined into “Peacetime” service in other sections of this report.

By Serious Employment Handicap

Veterans Entitled to Vocational

Rehabilitation

With a Serious Employment Handicap

During Fiscal Year 2000

Number Percent

Total Veterans 33,065

Total With SEH 14,125 43%

Table 54 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse

Note: A serious employment handicap is a significant impairment, caused in part by a

service-connected disability, in the veteran’s ability to prepare for, obtain, or retain

employment consistent with his/her abilities, aptitudes, and interests.

Veterans Who Completed Evaluation and Developed Rehabilitation Plans

Veterans Participating In a

Vocational Rehabilitation Program

and the Number of New Rehabilitation

Plans Developed

During Fiscal Year 2000

Total Participants1 52,505

Training Plans Developed2 22,878

Percent of Training Plans 44%

Table 55 - Chap. 2

1

Source: VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse

2

Source: COIN TAR 6001
Chapter 2 Business During FY 2000

58

d. Step 3: Participation in a Program of Rehabilitation Services

Upon the completion of the individualized rehabilitation plan, the veteran enters a rehabilitation

program to become:

• job-ready in the selected vocational choice, or

• achieve the maximum ability to live independently in the community

The majority of veterans participating in a plan of services follow the employment track and

may receive services that include:

• employment planning

• training or education

• medical or dental care, and

• other supportive services

The length of time a veteran remains in a rehabilitation program varies according to the

individual circumstances of each veteran; however, the average time spent in the program is

approximately two and one-half years.

A total of 63,979 veterans actively participated in programs during fiscal year 2000. Many of

these veterans received subsistence allowance payments if their programs included training or

the veteran was eligible for this allowance through other program provisions. Data shown in

the tables below reflect only that part of this group that received a subsistence allowance.

By Occupational Goal

Veterans Participating in a Vocational Training Program

By Occupational Goal

During Fiscal Year 2000

Total

Number

Percent of

Total

Number of

Male

Percent of

Total

Number of

Female

Percent

of Total

Agricultural, Fishery and Forestry 131 0.2% 109 0.3% 22 0.2%

Benchwork 352 0.7% 333 0.8% 19 0.2%

Clerical 2,385 4.5% 1,643 4.0% 742 6.7%

Independent Living 504 1.0% 429 1.0% 75 0.7%

Machine Trades 1,029 2.0% 1,012 2.4% 17 0.2%

Miscellaneous 1,473 2.8% 1,236 3.0% 237 2.1%

Processing(Butcher,Meat Processor, etc.) 40 0.1% 31 0.1% 9 0.1%

Professional, Technical, and Managerial 43,332 82.5% 33,688 81.4% 9,644 86.7%

Sales 345 0.7% 295 0.7% 50 0.4%

Service 1,105 2.1% 894 2.2% 211 1.9%

Structural (Building Trades) 1,463 2.8% 1,417 3.4% 46 0.4%

Unknown/Other 346 0.7% 292 0.7% 54 0.5%

Total 52,505 100% 41,379 100% 11,126 100%

Table 56 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse
Chapter 2 Business During FY 2000

59

By Type of Training Activity

Veterans Participating in a Vocational Training

Program by Type of Training and Gender

During Fiscal Year 2000

Type of Training Total

Number

Percent of

Total

Number of

Male

Percent of

Total

Number of

Female

Percent of

Total

Undergraduate 43,430 82.7% 33,606 81.2% 9,824 88.3%

Vocational/Technical 4,783 9.1% 4,231 10.2% 552 5.0%

Graduate 1,843 3.5% 1,348 3.3% 495 4.4%

College, Non-Degree 1,180 2.2% 1,050 2.5% 130 1.2%

Extended Evaluation 726 1.4% 652 1.6% 74 0.7%

On the Job 242 0.5% 229 0.6% 13 0.1%

Eval/Imp Rehab Potential 65 0.1% 60 0.1% 5 0.0%

High School 43 0.1% 39 0.1% 4 0.0%

Non/Nominal Pay in Gov. 96 0.2% 73 0.2% 23 0.2%

Gov’t Work Experience 0 0.0% 0 0.0% 0 0.0%

Apprenticeship 87 0.2% 81 0.2% 6 0.1%

Farm Co-op 10 0.0% 10 0.0% 0 0.0%

Total 52,505 100% 41,379 100% 11,126 100%

Table 57 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

By Serious Employment Handicap

Veterans Participating in a

Vocational Training Program

With a Serious Employment Handicap

During Fiscal Year 2000

Total Participants 52,505

Number with Serious Employment Handicap 19,198

Percent with Serious Employment Handicap 37%

Table 58 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse

By Gender

Veterans Participating in a

Vocational Training Program

By Gender

Female Male Total

Number 11,126 41,379 52,505

Percent 21.2% 78.8% 100%

Table 59 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse
Chapter 2 Business During FY 2000

60

By Age

Veterans Participating in a Vocational Training Program

By Age

During Fiscal Year 2000

Age

17-21

Age

22-29

Age

30-39

Age

40-49

Age

50-59

Age

>60

Total for

All Ages

Number 150 9,019 17,724 17,876 7,001 735 52,505

Percent 0.3% 17.2% 33.8% 34.0% 13.3% 1.4% 100%

Average Age for Veterans in Training Status: 45.7

Table 60 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

By Period of Service

Veterans Participating in a Vocational Training Program

By Period of Service

During Fiscal Year 2000

World

War II

Post

World

War II1

Korean

War

Post

Korean

War1

Vietnam

Era

Post

Vietnam

Era1

Gulf War

Era

Total All

Service

Periods

Number 37 7 60 229 3,619 9,695 38,858 52,505

Percent 0.1% 0.0% 0.1% 0.4% 6.9% 18.5% 74.0% 100%

Table 61 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

1

 These three periods are generally combined into “Peacetime” service in other sections of this report.

By Branch of Service

Veterans Participating in a Vocational Training Program

By Branch of Service

During Fiscal Year 2000

Army1 Navy Air Force Marine

Corps

Coast

Guard

Other2 Total

Number 24,170 12,007 9,149 5,646 682 851 52,505

Percent 46.0% 22.9% 17.4% 10.8% 1.3% 1.6% 100%

Table 62 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

1

Army includes 2 from Women’s Army Corps and 2 from Army Air Corps

2

Other includes 1 from NOAA, 2 from Public Health Service and 848 records with no branch of service data.
Chapter 2 Business During FY 2000

61

By Length of Service

Veterans Participating in a Vocational Training Program

By Length of Service

Beginning Fiscal Year 2000

Number Percent

3 Months or Less 280 5%

3-6 Months 691 1.3%

6 Months to 2 Year 5,530 10.5%

2-4 Years 12,824 24.4%

4-10 Years 15,053 28.7%

10-15 Years 5,654 10.8%

15-20 Years 4,214 8.0%

20-30 Years 8,089 15.4%

Over 30 Years 170 .3%

Total 52,505 100%

Table 63 - Chap 3

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data

Warehouse

By Dependency Status: Dependency status identifies known dependents for both

single and married veteran participants.

Veterans Participating in a Vocational Training Program

By Dependency Status

During Fiscal Year 2000

Single Single With

Children

Married Married With

Children

Dependent

Parent(s)

Total1

Number 12,528 6,616 8,950 24,179 117 52,390

Percent 23.9% 12.6% 17.1% 46.2% 0.2% 100%

Table 64 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

1

Does not include 115 veterans whose dependency status is unknown

By Prior Education Level: Distribution by level of education attained prior to the

veteran’s enrollment in a training program.

Veterans Participating in a Vocational Training Program

By Prior Education Level

During Fiscal Year 2000

Less Than High

School

High School Post High

School

Four Year College

Degree

Graduate

Training

Total

Number 336 29,773 18,359 2,699 1,338 52,505

Percent 0.6% 56.7% 35.0% 5.1% 2.5% 100%

Table 65 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse
Chapter 2 Business During FY 2000

62

By Prior Use of VA Educational Benefits: VR&E program participants who

previously used VA education benefits during fiscal year 2000.

Veterans Participating in a Vocational Training Program

By Prior Use of VA Education Benefits

During Fiscal Year 2000

Prior Use No Prior Use Total

Number 17,768 34,737 52,505

Percent 33.8% 66.2% 100%

Table 66 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

e. Step 4: Job Ready - Preparing for and Searching for a Suitable Job

A veteran, while in the Evaluation and Planning Status, may be found:

• to need additional rehabilitation services before he/she is job-ready, or

• may be found to have transferable skills developed through prior education or

experience that would allow him/her to successfully compete in the job market without

additional training

Whether the veteran becomes job-ready after participating through rehabilitation to the point of

Employability Status or is determined to be job-ready in the evaluation process, he/she is

placed in the Employment Services Status. Here, the employment assistance needs of each

veteran is assessed and a plan of services is developed that will lead to moving into suitable

employment. Services may include:

• job market exploration

• job seeking skills

• resume preparation

• interview skills, and

• other assistance
Chapter 2 Business During FY 2000

63

Each veteran is provided a case manager who follows the veteran’s progress through the

program and assures that the prescribed services are delivered.

The following table shows those veterans who progressed from participating in a program of

rehabilitation services to employment services. In fiscal year 2000, a total of 15,759 veterans

received services in the Employment Services status. This includes 1,337 veterans who were

found (in the Evaluation and Planning Status) to possess marketable skills without additional

education or training, but needed specific employment services to obtain and maintain suitable

employment. Therefore, rather than participate in a program of rehabilitation services that

may have included training or education, these veterans were able to move directly to the

Employment Services Status. The remaining 14,422 veterans received services in the

Rehabilitation to the Point of Employability Status. Veterans in this status may be provided

assistance in:

• resume preparation

• interview techniques

• job hunting strategies, and

• other direct employment services

Veterans Participating in a Vocational Training Program

By Veterans Who Entered Employment Services

During Fiscal Year 2000

Total Participants1 52,505

Employment Plans Developed2 15,759

Percent in Employment Plans 30%

Table 67- Chap. 2

1

Source: VR&E Program Management Reports (FY 2000)

2

COIN TAR 6005

Note: Participants are all veterans who received subsistence allowance while in a training

program during FY 2000.
Chapter 2 Business During FY 2000

64

Veterans Served by the Program By Race or Ethnic Background, Sorted By Case Status:

Veterans in Active Case Statuses

During FY 2000

By Race

Applicant Status

American Indian/Alaskan 335

Asian/Pacific Island 843

Black 12,697

White 24,603

Other 1,485

Unknown 4,184

Unidentified 6,792

Total 50,939

Evaluation and Planning Status

American Indian/Alaskan 324

Asian/Pacific Island 894

Black 11,255

White 22,801

Other 1,250

Unknown 3,826

Unidentified 10,469

Total 50,819

Extended Evaluation Status

American Indian/Alaskan 7

Asian/Pacific Island 33

Black 432

White 703

Other 31

Unknown 261

Unidentified 1,244

Total 2,711

Independent Living Status

American Indian/Alaskan 7

Asian/Pacific Island 33

Black 100

White 472

Other 30

Unknown 526

Unidentified 1,662

Total 2,830
Chapter 2 Business During FY 2000

65

Veterans in Active Case Statuses

During FY 2000

By Race

Rehabilitation to Employment Status

American

Indian/Alaskan

342

Asian/Pacific Island 893

Black 12,808

White 30,061

Other 1,115

Unknown 3,434

Unidentified 44,654

Total 93,307

Employment Status

American

Indian/Alaskan

105

Asian/Pacific Island 274

Black 2,690

White 8,309

Other 280

Unknown 1,051

Unidentified 3,519

Total 16,228

 

Grand Total FY 2000 216,834

Table 68 – Chap. 2

Source: VR&E Program Management Reports

(FY 2000) – Benefits Delivery Network Data Warehouse

f. Step 5: Rehabilitated: This step is discussed in detail on page 74.
Chapter 2 Business During FY 2000

66

Summary of Beneficiaries Leaving The Rolls For All Benefits Programs

During Fiscal Year 2000

The Compensation and Pension, Education, Life Insurance, Loan Guaranty and Vocational

Rehabilitation and Employment Services programs serve diverse purposes, therefore, the

reasons benefits terminate vary from program to program. For Compensation and Pension,

benefits generally stop when entitlement ceases to exist, such as the improvement of a

service-connected disability to a non-compensable level or exceeding the statutory income

limit. For Education, benefits end when training ceases, when entitlement is exhausted or a

delimiting date is reached. For Insurance policyholders, termination means either lapse of

policy coverage or payment of the policy. For Home Loan Guaranty, termination means either

the payment of the guaranty amount to the lender or full payment of the mortgage by the

veteran. For Vocational Rehabilitation, termination means stopping of training, either by

completing or withdrawing from the program.

Summary of All

Active Benefits That Ended

During Fiscal Year 2000

Benefits Programs Number of People Percent of Total

Compensation – Disability 71,204 9.1%

Compensation – Death1 18,122 2.3%

Pension – Disability 60,131 7.7%

Pension – Death 43,589 5.6%

Education2 27,076 3.5%

Life Insurance 135,546 17.4%

Home Loan Guaranty 407,168 52.3%

Vocational Rehabilitation3 16,432 2.1%

Total 779,268 100%

Table 69 – Chap. 2

1

 This category consists of the Death Compensation and DIC Programs.

2

 20,948 claimants exhausted their entitlement; 6,128 claimants reached their delimiting date.

3

 10,603 veterans completed training; 5,829 veterans discontinued training.
Chapter 2 Business During FY 2000

67

Individual Data for Each Benefit Program

The following sections provide additional information about benefits that ended for veterans,

dependents, and survivors under each program during fiscal year 2000.

1. COMPENSATION - BASED UPON SERVICE-CONNECTED DISABILITY

The following table shows the most common reasons for ending disability compensation

payments during fiscal year 2000.

Note: Reasons for ending benefit payments are depicted in the boxes above the “Number

Removed” and “Percent of Period Removed” columns. “Percent of Period Removed” means

the proportion of the total number of veterans from that period of service whose benefits were

ended.

Service-Connected Disability Compensation - Reasons For Ending Payments

During Fiscal Year 2000

Death Of A Veteran Other Reasons Not

Specifically Stated

Veterans Whereabouts

Or Address Unknown

Periods Of Service Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

 World War I 40 97.6% 1 2.4% 0 0.0%

 World War II 40,585 98.7% 282 0.7% 200 0.5%

 Korean War 6,856 98.1% 65 0.9% 41 0.6%

 Vietnam Era 11,502 94.0% 344 2.8% 200 1.6%

 Gulf War Era 711 28.3% 573 22.8% 284 11.3%

 Peacetime Periods 7,325 88.0% 331 4.0% 297 3.6%

Total 67,019 1,596 1,022

Percent Of Grand Total 94.1% 2.2% 1.4%

Veteran On Active

Duty Or In Receipt Of

Retirement Pay

All Others Grand Totals By

Periods Of Service

Periods Of Service Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Grand

Total

 World War I 0 0.0% 0 0.0% 41 0.1%

 World War II 12 0.0% 24 0.1% 41,103 57.7%

 Korean War 11 0.2% 15 0.2% 6,988 9.8%

 Vietnam Era 115 0.9% 78 0.6% 12,239 17.2%

 Gulf War Era 594 23.7% 348 13.9% 2,510 3.5%

 Peacetime Periods 252 3.0% 118 1.4% 8,323 11.7%

Total 984 583 71,204 100.0%

Percent Of Grand Total 1.4% 0.8% 100.0%

Table 70 - Chap. 2

Source: Benefits Delivery Network - RCS 20-0243
Chapter 2 Business During FY 2000

68

2. COMPENSATION - BASED UPON A SERVICE-CONNECTED DEATH

The following table shows the most common reasons for ending DIC and Death

Compensation19 payments during fiscal year 2000.

Service-Connected Death Benefits - Reasons For Ending Payments

During Fiscal Year 2000

Death Of Payee Child Over 18

Terminates School Or

Reaches Age 23

Marital Status Change -

Person Entitled

Or Dependent

Periods Of Service Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

 World War I and Earlier 567 96.9% 0 0.0% 2 0.3%

 World War II 6,663 92.7% 80 1.1% 132 1.8%

 Korean War 1,664 87.5% 54 2.8% 59 3.1%

 Vietnam Era 2,390 47.4% 1,087 21.6% 411 8.1%

 Gulf War Era 17 2.7% 230 37.1% 127 20.5%

 Peacetime Periods 1,452 52.2% 513 18.4% 162 5.8%

Total 12,753 1,964 893

Percent Of Grand Total 70.4% 10.8% 4.9%

Child Reaches Age 18 All Others Grand Totals By

Periods Of Service

Periods Of Service Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Grand

Total

 World War I and Earlier 1 0.2% 15 2.6% 585 3.2%

 World War II 17 0.2% 299 4.2% 7,191 39.7%

 Korean War 16 0.8% 108 5.7% 1,901 10.5%

 Vietnam Era 390 7.7% 766 15.2% 5,044 27.8%

 Gulf War Era 79 12.7% 167 26.9% 620 3.4%

 Peacetime Periods 311 11.2% 343 12.3% 2,781 15.3%

Total 814 1,698 18,122 100.0%

Percent Of Grand Total 4.5% 9.4% 100.0%

 Table 71 - Chap. 2

 Source: Benefits Delivery Network - RCS 20-0243

 

19 The Death Compensation program preceded the DIC program. Basic entitlement, generally, exists for a surviving spouse, child/children,

and/or parents if the veteran died before January 1, 1957.
Chapter 2 Business During FY 2000

69

3. PENSION - BASED UPON NONSERVICE-CONNECTED DISABILITY

The following table shows the most common reasons for ending disability pension payments

during fiscal year 2000.

Nonservice-Connected Disability Pension - Reasons For Ending Payments

During Fiscal Year 2000

Death Of A Veteran Income Provisions Other Reasons Not

Specifically Stated

Periods Of Service Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

 World War I 149 96.1% 1 0.6% 4 2.6%

 World War II 28,170 80.7% 3,501 10.0% 1,633 4.7%

 Korean War 7,413 58.5% 3,352 26.4% 1,120 8.8%

 Vietnam Era 4,771 39.1% 5,332 43.7% 1,227 10.1%

 Gulf War Era 38 19.4% 106 54.1% 28 14.3%

 Peacetime Periods N/A N/A N/A

Total 40,541 12,292 4,012

Percent Of Grand Total 67.4% 20.4% 6.7%

Failed To File Eligibility

Verification Report

All Others Grand Totals By

Periods Of Service

Periods Of Service Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Grand

Total

 World War I 1 0.6% 0 0.0% 155 0.3%

 World War II 1,001 2.9% 608 1.7% 34,913 58.1%

 Korean War 488 3.9% 301 2.4% 12,674 21.1%

 Vietnam Era 296 2.4% 567 4.7% 12,193 20.3%

 Gulf War Era 5 2.6% 19 9.7% 196 0.3%

 Peacetime Periods N/A N/A N/A

Total 1,791 1,495 60,131 100.0%

Percent Of Grand Total 3.0% 2.5% 100.0%

Table 72 Chap. 2

Source: Benefits Delivery Network – RCS 20-0243
Chapter 2 Business During FY 2000

70

4. PENSION - BASED UPON NONSERVICE-CONNECTED DEATH

The following table shows the most common reasons for ending death pension payments to

survivors of wartime veterans during fiscal year 2000.

Nonservice-Connected Death Pension - Reasons For Ending Payments

During Fiscal Year 2000

Death Of Payee Income Provisions Other Reasons Not

Specifically Stated

Periods Of Service Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

 World War I and Earlier 7,317 93.2% 133 1.7% 103 1.3%

 World War II 15,298 57.2% 8,204 30.7% 1,522 5.7%

 Korean War 1,020 17.4% 3,825 65.4% 448 7.7%

 Vietnam Era 290 9.4% 1,709 55.5% 453 14.7%

 Gulf War Era 0 0.0% 41 64.1% 11 17.2%

 Peacetime Periods N/A N/A N/A

Total 23,925 13,912 2,537

Percent Of Grand Total 54.9% 31.9% 5.8%

Failure To File Eligibility

Verification Report

(EVR)

All Others Grand Totals By

Periods Of Service

Periods Of Service Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Period

Removed

Number

Removed

Percent Of

Grand

Total

 World War I and Earlier 165 2.1% 135 1.7% 7,853 18.0%

 World War II 811 3.0% 911 3.4% 26,746 61.4%

 Korean War 201 3.4% 355 6.1% 5,849 13.4%

 Vietnam Era 133 4.3% 492 16.0% 3,077 7.1%

 Gulf War Era 2 3.1% 10 15.6% 64 0.1%

 Peacetime Periods N/A N/A N/A

Total 1,312 1,903 43,589 100.0%

Percent Of Grand Total 3.0% 4.4% 100.0%

Table 73 - Chap. 2

Source: Benefits Delivery Network - RCS 20-0243
Chapter 2 Business During FY 2000

71

5. EDUCATION

Educational assistance ends for one of two reasons - entitlement is exhausted or the deadline

for using the benefit (i.e., the delimiting date) is reached.

Entitlement exhausted: Veterans, dependents, service members, and reservists are

generally entitled to 36 months of educational assistance (entitlement). Dependents are

entitled to 45 months of educational assistance. Once 36 or 45 months of educational

assistance is used, payment of the benefit ends.

Delimitation Date: Dependents have a defined amount of time to use their educational

assistance. Veterans and service members, generally, have 10 years from the date of their

last discharge from active military service. Reservists have either 10 years from the date their

eligibility began or until the day following separation from the Selected Reserve, whichever is

the earlier. In the Dependents Educational Assistance program, children usually have until

age 26; and spouses, or surviving spouses, generally, have 10 years from their date of

eligibility.

Beneficiaries Whose Benefits Terminated

During Fiscal Year 2000

Program Entitlement

Exhausted

Delimiting

Date

Total

Terminations

Percent of

Total

Terminations

 Dependents Education 295 116 411 1.5%

 Montgomery GI Bill - Active Duty1 17,645 3,785 21,430 79.1%

 Montgomery GI Bill – Reserves2 2,702 2,079 4,781 17.1%

 Post-Vietnam Veterans Education 306 148 454 1.7%

Total 20,948 6,128 27,076 100%

Percent of Total Terminations 77.37% 22.63% 100%

Table 74 – Chap. 2

Source: Education Service SAS Reports

1

 Based on Active Duty service

2

 Based on service in the Selected Reserve
Chapter 2 Business During FY 2000

72

6. LIFE INSURANCE

Life insurance policies end for two reasons - either they are “paid off” or they lapse. The

following two tables provide data concerning the policies that ended during fiscal year 2000.

Policies That Were “Paid Off”

Policies may be “paid off” in different ways. Death claims are paid to a veteran’s designated

beneficiary upon the death of the veteran. Cash surrenders and matured endowments are

paid to the veteran. The following table provides a distribution of payments by insurance

program.

Insurance Payments

During Fiscal Year 2000

Death Claims Number1 Amount2 Average Payment

USGLI 1,473 $5,173,206 $3,512

NSLI 91,050 $837,446,214 $9,198

VSLI 4,731 $51,925,993 $10,976

VRI 4,483 $34,479,757 $7,691

SDVI 4,317 $42,425,298 $9,827

VMLI 125 $7,159,409 $57,275

SGLI3 1,684 $313,297,251 $186,043

VGLI3 1,140 $106,267,051 $93,217

TOTAL 109,003 $1,398,174,179 $12,827

Matured Endowment Number1 Amount2 Average Payment

USGLI 20 $124,804 $6,240

NSLI 917 $8,767,225 $9,561

VSLI 655 $8,093,065 $12,356

VRI 14 $163,866 $11,705

SDVI 286 $2,058,547 $7,198

TOTAL 1,892 $19,207,507 $10,152

Cash Surrender Number1 Amount2 Average Payment

USGLI 204 $503,870 $2,470

NSLI 9,673 $39,671,854 $4,101

VSLI 1,157 $5,141,468 $4,444

VRI 466 $2,186,743 $4,693

SDVI 1,163 $6,924,722 $5,954

TOTAL 12,663 $54,428,657 $4,298

GRAND TOTAL 123,558 $1,471,810,343 $11,912

Table 75 – Chap. 2

1

 Sources: Insurance Master Record Database - 510 Monthly Report

 VMLI Database - VMLI Quarterly Report

 Veterans And Reservists Group Insurance System - OSGLI Monthly Report

2

 Source: Insurance General Ledger Accounting System - CFO FY00 Life Insurance Statements (Incurred Basis))

3

 Source: SGLI and VGLI data are for the policy year ending June 30, 2000
Chapter 2 Business During FY 2000

73

Policies That Lapsed

Policies lapse mainly because the policyholder didn’t pay the premiums. The following table

provides data about policies that lapsed during FY 2000.

Policy Lapses

During Fiscal Year 2000

Policy Lapses Number1 Face Value1 Average

Face Value

NSLI 9,241 $58,856,604 $6,369

VSLI 688 $5,492,500 $7,983

VRI 248 $1,300,250 $5,243

SDVI 1,811 $17,765,250 $9,810

TOTAL 11,988 $83,414,604 $6,958

Table 76 – Chap. 2

1

 Sources: Insurance Master Record Database - 510 Monthly Report

 VMLI Database - VMLI Quarterly Report

 Veterans And Reservists Group Insurance System - OSGLI Monthly Report

7. HOME LOAN GUARANTY

A home loan guaranty is terminated in one of two ways. “Paid in Full” means that the loan was

paid in full, by the borrower, to the lending institution. Therefore, the guaranty is no longer

applicable and no payment was made based on the guaranty. “Loan Defaulted - Guaranty

Payment Made” means that the loan was defaulted by the borrower and the loan guaranty

claim was paid. The following table shows the disposition of loan guaranties terminated during

fiscal year 2000. Also shown is the amount of money paid to lending institutions under the

guaranty provisions during fiscal year 2000.

Disposition of Home Loans

During Fiscal Year 2000

Disposition Number

of Loans

Percent

of Total

Amount of

Payment

Average

Payment

Paid in Full by Borrower 378,292 92.9% -- --

Loan Defaults - Guaranty Payment Made 28,876 7.1% 586,963,000 $20,327

TOTAL 407,168 100%

Table 77 – Chap. 2

Source: COIN GIL 01-01, 02-01 & 50-01; DOOR Report 6005

1 Source: Budget Statistics. This amount is based upon claims processed.
Chapter 2 Business During FY 2000

74

8. VOCATIONAL REHABILITATION AND EMPLOYMENT

The vocational rehabilitation program participants end their association with the program in

one of three ways:

• by completing the program and finding employment;

• by completing the program and achieving greater independence in living; or

• by discontinuing pursuit of the rehabilitation objectives.

a. Veterans Ending Their Participation in a Training Program

This table shows the veterans whose participation ended during fiscal year 2000, sorted by

termination reason.

Veterans Who Ended

A Training Program

During Fiscal Year 2000

Reason For Ending Program Number Percent

Employment1 9,837 59.9%

Independent Living 766 4.7%

Discontinue2 5,829 35.5%

Total 16,432 100.0%

Table 78 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)

1

Total includes 230 rehab cases who pursued further education

2

Individual who had developed plans of services and discontinued

Step 5: Rehabilitated: Rehabilitated Status represents the achievement of the veteran's goal

to be suitably employed or obtain independence in daily living and is the positive outcome

measure of the program. Each veteran is provided follow-up assistance to assure that his/her

status can be maintained.

b. Participants with Serious Employment Handicaps Who Completed Their Program

Participants who had a serious employment handicap and completed a program of vocational

rehabilitation during fiscal year 2000.

Veterans with a Serious Employment

Handicap Who Completed Training During FY 2000

Number Percent

Total Veterans 10,603

Total With Serious Employment Handicap 4,039 38%

Table 79 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse
Chapter 2 Business During FY 2000

75

c. Pre- and Post-Training Annual Earnings

By Gender

Annual earnings of veterans, by gender, who completed their rehabilitation program and

gained employment.

Note: The table compares annual earnings before entering the program and after

completing it and finding employment. Both total annual earnings and average annual

earnings for these veterans are provided.

Veterans Who Successfully Achieved Rehabilitation

Pre And Post Annual Earnings

By Gender

During Fiscal Year 2000

Number

Rehabilitated

Average Annual

Earnings Prior

To Training

Total Annual

Earnings Prior

To Training

Average Annual

Earnings At

Rehabilitation

Total Annual

Earnings At

Rehabilitation

Male 8,754 4,739 $ 41,485,206 28,024 $ 245,322,096

Female 1,849 3,620 $ 6,693,380 24,338 $ 45,000,962

Total 10,6031 $ 48,178,586 $ 290,323,058

Table 80 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

1

This total does not include 766 persons who entered into independent living and do not have earnings and 230 Rehab. cases

who pursued further education as Cited in 38 Code of Federal Regulations 21.283 – Rehabilitated.

By Occupation Type

The following table shows the distribution of average annual earnings before entering the

program and following rehabilitation, by occupational categories.

Veterans Who Successfully Achieved Rehabilitation

Pre and Post Annual Earnings

By Occupational Category

During Fiscal Year 2000

Number

Rehabilitated

Average

Annual

Earnings

Prior to

Training

Total Annual

Earnings Prior

to Training

Average

Annual

Earnings

at Rehab

Total

Annual

Earnings

at Rehab

Percent

 of

Increases

in

Earnings

Professional, Technical and Managerial 6,814 $4,993 $34,022,302 $29,674 $202,198,636 494%

Clerical 848 $4,314 $3,658,272 $22,507 $19,085,936 422%

Sales 243 $3,994 $970,542 $24,764 $6,017,652 520%

Services 436 $4,398 $1,917,528 $22,482 $9,802,152 411%

Agricultural, Fishery, & Forestry 29 $2,603 $75,487 $19,516 $565,964 650%

Processing (Butcher, Meat Processor) 31 $4,699 $145,669 $25,900 $802,900 451%

Machine Trades 346 $4,820 $1,667,720 $25,210 $8,722,660 423%

Bench Work 118 $3,298 $389,164 $21,952 $2,590,336 566%

Structural (Building Trades) 412 $5,028 $2,071,536 $26,733 $11,013,996 432%

Miscellaneous 330 $4,806 $1,585,980 $24,964 $8,238,120 419%

Total1 9,607 $4,841 $46,504,200 $28,004 $269,038,352 479%

Table 81 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)

1

This total does not include 766 persons who entered into independent living and do not have earnings and 230 Rehab. cases who

pursued further education as Cited in 38 Code of Federal Regulations 21.283 – Rehabilitated.
Chapter 2 Business During FY 2000

76

Note: The distribution of participants by gender is shown for each type of training. A

subsistence allowance is paid to participants for some or all of the time they are in the training

program.

d. Demographic Characteristics of Participants Who Successfully Completed Training

By Gender

Veterans Who Successfully

Achieved Rehabilitation

By Gender

During Fiscal Year 2000

Female Male Total

Number 1,849 8,754 10,603

Percent 17.4% 82.6% 100%

Table 82 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)

Benefits Delivery Network - Data Warehouse

By Age

Veterans Who Successfully Achieved Rehabilitation

By Age

During Fiscal Year 2000

Age

17 – 21

Age

22 – 29

Age

30 – 39

Age

40 - 49

Age

50 – 59

Age >60 Total for

All Ages

Number 9 1,197 3,334 3,658 2,062 343 10,603

Percent 0.1% 11.3% 31.4% 34.5% 19.4% 3.2% 100%

Table 83 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

By Prior Education Level

Veterans Who Successfully Achieved Rehabilitation

By Prior Education Level

During Fiscal Year 2000

Less Than

High School

High School Post

High School

Four Year

College

Degree

Graduate

Training

Total

Number

Percent

92

0.9%

5,834

55.0%

3,495

33.0%

826

7.8%

356

3.4%

10,603

100%

Table 84 - Chap. 2
Chapter 2 Business During FY 2000

77

By Dependency Status

Veterans Who Successfully Achieved Rehabilitation

By Dependency Status

During Fiscal Year 2000

Single Single With

Children

Married Married With

Children

Dependent

Parent(s)

Total1

Number 1,998 1,018 1,876 4,348 20 9,260

Percent 21.6% 11.0% 20.3% 47.0% 0.2% 100%

By Branch of Service

Branch-of-service distribution among those who completed rehabilitation programs.

Note: Consistent with requirements established in Title 38 of the United States Code

Section 101, service in the National Oceanic and Atmospheric Administration (NOAA) and

the Public Health Service qualify persons for vocational rehabilitation programs.

Veterans Who Successfully Achieved Rehabilitation

By Branch Of Service

During Fiscal Year 2000

Army1 Navy Air Force Marine

Corps

Coast

Guard

Other2 Total

Number 4,564 2,495 2,104 1,162 126 152 10,603

Percent 43.0% 23.5% 19.8% 11.0% 1.2% 1.4% 100%

Table 86 - Chap. 2

Source: VR&E Program Management Reports (FY 2000)-and Disability Compensation Database

1

Army includes 2 from Womens Army Air Corp.

2

Other Includes, 1 from Merchant Marines, 2 NOAA, 1 from Public Health Service.

By Length of Service

Length of time in service among veterans who completed rehabilitation programs

Veterans Who Successfully Achieved Rehabilitation

By Length Of Service

During Fiscal Year 2000

3 Month

or Less

3 to 6

Months

6 Months

to 2 Years

2 to 4

Years

4 to 10

Years

Number 41 95 1,074 2,438 2,865

Percent 0.4% 0.9% 10.2% 23.1% 27.2%

10 to 15

Years

15 to 20

Years

20 to 30

Years

Over 30

Years

Total1

Number 1,120 952 1,899 50 10,534

Percent 10.6% 9.0% 18.0% 0.5% 100%

Table 87 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

1

 Does not include 69 veterans whose length of service is unknown.

Table 85 - Chap. 2

Source: VR&E Program Management Reports (FY 2000) - Benefits Delivery Network - Data Warehouse

1

 Does not include 1343 veterans whose dependency status is unknown.
Chapter 2 Business During FY 2000

78

By Period of Service

Veterans service periods among those who completed rehabilitation programs

Veteran Who Successfully Achieved Rehabilitation

By Period of Service

During Fiscal Year 2000

World War

II

Post

World War

II1

Korean

War

Post

Korean

War1

Vietnam

Era

Post

Vietnam

Era1

Gulf War

Era

Total All

Service

Periods

Number

Percent

52

0.5%

8

0.1%

28

0.3%

94

0.9%

1,041

9.8%

2,218

20.9%

7,162

67.5%

10,603

100%

Table 88 – Chap. 2

Source : VR&E Program Management Reports (FY2000) – Benefits Delivery Network – Data Warehouse

1

These three periods are generally combined in “Peacetime” service in other sections of this report.

Interrupted: While not a step toward the goal of rehabilitation, another status, Interrupted,

exists for those veterans who must temporarily suspend active participation in their programs.

A veteran who is actively participating in a program of rehabilitation services may find that it is

necessary to temporarily suspend his/her rehabilitation program in order to resolve a pressing

need, most frequently related to his/her disabling condition. The case manager continues to

provide counseling and other assistance to the veteran and his/her family with the intent of

resolving the need and allowing the veteran to return to active participation in the program.
CHAPTER 3

BUSINESS BEGINNING FISCAL YEAR 2001

 Summary of Active Accounts for All Benefits Programs at the Beginning

 of Fiscal Year 2001

The following three tables summarize the number of active beneficiaries in VA benefits

programs at the beginning of fiscal year 2001 and the monetary value of their benefits.

The first table pertains to programs that pay monthly benefits. It shows the total number of

people who were receiving the benefit at the beginning of fiscal year 2000.

Summary of Beneficiaries Receiving Benefits

For Programs That Pay Ongoing Benefits

At the Beginning of Fiscal Year 2001

Benefit Programs Number

of People

Percent

of Total

Total

Annual Amounts

Average

Annual Amounts

Compensation - Disability 2,308,186 71.2% $14,773,382,340 $6,400

Compensation - Death1 313,408 9.7% $3,432,300,871 $10,952

Pension - Disability 364,220 11.2% $2,155,208,820 $5,917

Pension - Death 257,106 7.9% $660,940,644 $2,571

Total 3,242,920 100.0% $21,021,832,675 $6,482

Table 1 – Chap. 3

1 Includes the DIC and Death Compensation programs

The second table pertains to programs that pay monthly benefits to trainees only during a

period of training. The “Number of People” refer to those receiving benefits at the beginning of

fiscal year 2001.

Summary of Beneficiaries Receiving

Benefits For Programs That Pay

Benefits During Training

At the Beginning of Fiscal Year 2001

Benefit Programs Number of People Percent of Total

Education 205,891 87.2%

Vocational Rehabilitation 30,174 12.8%

Total 236,065 100%

Table 2 – Chap. 3

The third table pertains to programs that pay benefits when certain events occur, such as

death of the insured veteran or default on a mortgage. For Life Insurance, the monetary

amount represents the face value of policies in effect at the beginning of fiscal year 2001. For

Home Loan Guaranty, the monetary amount represents the guaranty obligations (not the value
Chapter 3 Business Beginning FY 2001

80

of the underlying mortgages) of all guaranties in effect at the beginning of fiscal year 2001.

For the Life Insurance and Home Loan Guaranty programs, the “Total Coverage Amounts” do

not represent benefits actually paid out during the year. Instead, they represent potential

liabilities that could be paid at some time in the future.

Summary of All Benefits That Constitute Potential Liabilities

At the Beginning of Fiscal Year 2001

Benefit Programs Number of

Participants

Percent of

Total

Total Coverage

Amounts

Average

Coverage

Amounts

Life Insurance 4,926,919 61.2% $486,581,986,561 $98,760

Home Loan Guaranty1 3,121,296 38.8% $84,646,159,195 $27,119

Total 8,048,215 100% $571,228,145,756 $70,976

Table 3 – Chap. 3

1

 Includes direct loans sold and later guaranteed.

Individual Data for Each Benefit Program

The following sections of this chapter are organized by benefit program. Each section

provides information about people receiving benefits at the beginning of fiscal year 2001.

Many of the tables below correspond with tables in Chapter 2 that provide similar information.

The distinction is that the following tables describe the entire population of program

beneficiaries at the beginning of fiscal year 2001. Tables in Chapter 2 describe only those

program beneficiaries who began receiving benefits during fiscal year 2001.

1. COMPENSATION - BASED UPON SERVICE-CONNECTED DISABILITY

a. Total Veterans Receiving Service-Connected Disability Compensation

This table shows the total number of veterans, by period of service, receiving disability

compensation at the beginning of fiscal year 2001. Also shown are projected total annual and

average annual payments to these veterans if all continue on the benefit rolls, receiving the

same compensation throughout the fiscal year. The highest period of service is highlighted in

yellow.

Total Veterans Receiving Service-Connected Disability Benefits

Beginning of Fiscal Year 2001

Period of Service Number of

Veterans

Percent of Total Total Annual

Amounts

Average Annual

Amounts

Mexican Border 8 0.0% $71,340 $8,918

World War I 38 0.0% $343,308 $9,034

World War II 505,087 21.9% $2,981,862,876 $5,904

Korean War 170,616 7.4% $1,197,547,932 $7,019

Vietnam Era 740,976 32.1% $5,993,431,992 $8,089

Gulf War Era 324,628 14.1% $1,445,573,988 $4,453

Peacetime Periods 566,833 24.6% $3,154,550,904 $5,565

TOTAL 2,308,186 100.0% $14,773,382,340 $6,400

Table 4 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0221
Chapter 3 Business Beginning FY 2001

81

b. Total Number of Veterans Receiving Disability Compensation Shown by Combined 

Degree of Disability

The combined degree of disability is expressed as a percentage (from zero to 100 in

increments of 10) and represents the overall disabling effect on a veteran of all his or her

service-connected disabilities. Disability compensation monetary amounts are set by

Congress and correspond to the combined degree of disability. This table shows the number

of veterans receiving compensation, sorted by combined percentage of disability. It also

shows the projected total annual and average annual payments to these veterans for fiscal

year 2001.

Note: “Percent of combined disability” is not calculated by summing all the individual degrees

of disability. Instead, a rating formula is applied to calculate the overall disabling effect of the

veteran’s service-connected conditions. Under certain circumstances, a number of disabilities

individually evaluated zero percent produce 10 percent combined disability (as directed in 38

Code of Federal Regulation 3.324) and entitle the veteran to receive disability compensation.

These will be called “compensable zeros” and are shown in the 0% column of this table.

The largest group of veterans with the same combined disability evaluation is highlighted in

yellow. Also highlighted is the largest total dollar amount of compensation paid to veterans

with the same combined disability evaluation.

Total Service-connected Benefits by Combined Degree Percent of Disability

Beginning of Fiscal Year 2001

Combined Degree Number Percent of Total Total Annual

Amounts

Average Annual

Amounts

0% 17,469 0.8% $14,643,288 $838

10% 838,886 36.3% $991,121,628 $1,181

20% 370,852 16.1% $839,089,176 $2,263

30% 308,893 13.4% $1,191,345,732 $3,857

40% 197,126 8.5% $1,093,278,324 $5,546

50% 118,638 5.1% $927,081,900 $7,814

60% 122,622 5.3% $1,629,623,820 $13,290

70% 86,497 3.7% $1,585,620,060 $18,332

80% 52,422 2.3% $1,099,079,940 $20,966

90% 24,474 1.1% $563,541,768 $23,026

100% 170,307 7.4% $4,838,956,704 $28,413

TOTAL 2,308,186 100.0% $14,773,382,340 $6,400

Number of beneficiaries by combined percentage of disability 0% thru 30% 1,536,100

This group as a percentage of the whole 66.6%

Table 5 - Chap 3

Source: Benefits Delivery Network - RCS 20-0223
Chapter 3 Business Beginning FY 2001

82

c. Total Number of Individual Service-Connected Disabilities

As noted above, a veteran may have more than one disability. In such cases, each disability

is evaluated according to its disabling effect, without regard to other disabling conditions

present. A rating formula is then applied to assess the overall disabling effect (combined

degree) of all the veteran’s service-connected conditions. In contrast to the previous table,

which organized information according to the number of service-connected veterans and their

combined evaluations, the following table organizes information according to the number of

service-connected disabilities and their separate evaluations. The table includes the total

number of veterans receiving compensation and the average number of service-connected

disabilities per veteran.

A “zero percent” service-connected 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. Data for the following tables are taken from compensation payment records.

Consequently, the disabilities of service-connected veterans who don’t receive compensation

(because their combined disability ratings are zero percent) are not represented in the table.

Zero percent disabilities shown in the table are veterans who receive compensation. The

largest category is highlighted in yellow.

Total Individual Service-Connected Disabilities - by Percent

Veterans Receiving Compensation

Beginning of Fiscal Year 2001

Number of Disabilities Percent of All

Disabilities

0% 2,056,279 35.3%

10% 2,191,169 37.6%

20% 515,563 8.9%

30% 463,349 8.0%

40% 154,827 2.7%

50% 109,780 1.9%

60% 103,105 1.8%

70% 47,942 0.8%

80% 8,370 0.1%

90% 2,649 0.0%

100% 168,762 2.9%

Total 5,821,795 100.0%

Total Veterans 2,308,186

Average number of disabilities per veteran 2.52

Number of Disabilities 0% thru 30%: 5,226,360

Percent of all Disabilities: 89.8%

Table 6 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0227 and COIN CP-127
Chapter 3 Business Beginning FY 2001

83

d. Individual Service-Connected Disabilities by Body Systems

The following table shows all service-connected disabilities for veterans receiving

compensation at the beginning of fiscal year 2001, sorted by body system and listed in

descending order of frequency.

Ranking of Individual Service-Connected Disabilities - by Body System

Veterans Receiving Compensation

Beginning of Fiscal Year 2001

Body System Total

Number

Percent

of Total

Body System Total

Number

Percent

of Total

Musculoskeletal System 2,346,864 40.3% Genitourinary System 141,583 2.4%

Skin 722,474 12.4% Eye 104,050 1.8%

Impairment of Auditory Acuity 505,298 8.7% Endocrine System 58,719 1.0%

Digestive System 432,920 7.4% Infectious Diseases, Immune

Disorders, Nutritional Disorder

47,980 0.8%

Mental Disorders 409,071 7.0% Gynecological Conditions 34,547 0.6%

Cardiovascular System 348,645 6.0% Dental and Oral Conditions 26,798 0.5%

Neurological Conditions 322,904 5.5% Hemic & Lymphatic Systems 21,153 0.4%

Respiratory System 298,789 5.1% Grand Total - All Conditions 5,821,795 100.0%

Table 7 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0227

e. Individual Service-Connected Disabilities by Body System and Degree of Disability

VBA assigned 947 diagnostic codes to describe the 5,821,795 separate service-connected

disabilities for veterans receiving disability compensation at the beginning of fiscal year 2001.

Diagnostic codes are four to eight-digit numbers that specify medical conditions. These

numeric diagnostic codes are in Title 38, Code of Federal Regulations, Part 4. The following

four-page table identifies the total number of individual service-connected disabilities, grouped

by body systems and percent of disability assigned. Body system groupings are shown in the

numeric order of the diagnostic codes associated with the body system. Yellow highlights the

degree of disability appearing most often in each body system at the beginning of the fiscal

year.
Chapter 3 Business Beginning FY 2001

84

Total Individual Service-Connected Disabilities – by Percent and Body System

For Veterans Receiving Compensation

Beginning of Fiscal Year 2001

0% 10% 20%

Body System Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Musculoskeletal System

(Codes 5000-5399)

614,277 26.2% 1,075,960 45.8% 348,765 14.9%

Eye

(Codes 6000-6099)

31,638 30.4% 28,964 27.8% 5,289 5.1%

Impairment of Auditory Acuity

(Codes 6100-6299)

270,619 53.6% 191,024 37.8% 16,255 3.2%

Infectious Diseases, Immune

Disorders, Nutritional Disorder

(Codes 6300-6399)

39,180 81.7% 3,322 6.9% 597 1.2%

Respiratory System

(Codes 6501-6899)

140,116 46.9% 92,713 31.0% 9,232 3.1%

Cardiovascular System

(Codes 7000-7199)

55,573 15.9% 169,161 48.5% 27,817 8.0%

Digestive System

(Codes 7200-7399)

249,916 57.7% 113,007 26.1% 31,003 7.2%

Genitourinary System

(Codes 7500-7599)

71,483 50.5% 31,547 22.3% 10,395 7.3%

Gynecological Conditions

(Codes 7610-7699)

12,534 36.3% 5,703 16.5% 117 0.3%

Hemic & Lymphatic Systems

(Codes 7700-7799)

5,642 26.7% 1,440 6.8% 868 4.1%

Skin

(Codes 7800-7899)

475,146 65.8% 212,886 29.5% 4,619 0.6%

Endocrine System

(Codes 7900-7999)

5,605 9.5% 23,192 39.5% 16,212 27.6%

Neurological Conditions

(Codes 8000-8999)

49,621 15.4% 128,798 39.9% 42,478 13.2%

Mental Disorders

(Codes 9200-9599)

18,623 4.6% 106,162 26.0% 271 0.1%

Dental and Oral Conditions

(Codes 9900-9999)

16,306 60.8% 7,290 27.2% 1,645 6.1%

Grand Total - All Conditions

(Codes 5000-9999)

2,056,279 35.3% 2,191,169 37.6% 515,563 8.9%

Table 8 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0227
Chapter 3 Business Beginning FY 2001

85

Total Individual Service-Connected Disabilities – by Percent and Body System

For Veterans Receiving Compensation

Beginning of Fiscal Year 2001

30% 40% 50%

Body System Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Musculoskeletal System

(Codes 5000-5399)

135,722 5.8% 88,412 3.8% 19,261 0.8%

Eye

(Codes 6000-6099)

23,247 22.3% 7,489 7.2% 1,373 1.3%

Impairment of Auditory Acuity

(Codes 6100-6299)

8,201 1.6% 8,268 1.6% 2,361 0.5%

Infectious Diseases, Immune

Disorders, Nutritional Disorder

(Codes 6300-6399)

1,906 4.0% 231 0.5% 64 0.1%

Respiratory System

(Codes 6501-6899)

34,226 11.5% 2,346 0.8% 3,061 1.0%

Cardiovascular System

(Codes 7000-7199)

55,124 15.8% 5,414 1.6% 2,671 0.8%

Digestive System

(Codes 7200-7399)

17,015 3.9% 8,883 2.1% 851 0.2%

Genitourinary System

(Codes 7500-7599)

11,676 8.2% 3,038 2.1% 38 0.0%

Gynecological Conditions

(Codes 7610-7699)

8,058 23.3% 316 0.9% 7,613 22.0%

Hemic & Lymphatic Systems

(Codes 7700-7799)

10,306 48.7% 154 0.7% 25 0.1%

Skin

(Codes 7800-7899)

23,087 3.2% 2,078 0.3% 4,066 0.6%

Endocrine System

(Codes 7900-7999)

1,504 2.6% 6,837 11.6% 51 0.1%

Neurological Conditions

(Codes 8000-8999)

41,288 12.8% 20,933 6.5% 9,781 3.0%

Mental Disorders

(Codes 9200-9599)

90,929 22.2% 149 0.0% 58,399 14.3%

Dental and Oral Conditions

(Codes 9900-9999)

1,060 4.0% 279 1.0% 165 0.6%

Grand Total - All Conditions

(Codes 5000-9999)

463,349 8.0% 154,827 2.7% 109,780 1.9%
Chapter 3 Business Beginning FY 2001

86

Total Individual Service-Connected Disabilities – by Percent and Body System

For Veterans Receiving Compensation

Beginning of Fiscal Year 2001

60% 70% 80%

Body System Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Musculoskeletal System

(Codes 5000-5399)

41,017 1.7% 4,574 0.2% 2,129 0.1%

Eye

(Codes 6000-6099)

894 0.9% 1,049 1.0% 134 0.1%

Impairment of Auditory Acuity

(Codes 6100-6299)

2,735 0.5% 926 0.2% 1,541 0.3%

Infectious Diseases, Immune

Disorders, Nutritional Disorder

(Codes 6300-6399)

1,527 3.2% 20 0.0% 86 0.2%

Respiratory System

(Codes 6501-6899)

9,614 3.2% 268 0.1% 431 0.1%

Cardiovascular System

(Codes 7000-7199)

21,071 6.0% 408 0.1% 107 0.0%

Digestive System

(Codes 7200-7399)

5,149 1.2% 112 0.0% 95 0.0%

Genitourinary System

(Codes 7500-7599)

6,767 4.8% 8 0.0% 326 0.2%

Gynecological Conditions

(Codes 7610-7699)

73 0.2% 3 0.0% 20 0.1%

Hemic & Lymphatic Systems

(Codes 7700-7799)

544 2.6% 127 0.6% 6 0.0%

Skin

(Codes 7800-7899)

84 0.0% 33 0.0% 305 0.0%

Endocrine System

(Codes 7900-7999)

3,664 6.2% 16 0.0% 10 0.0%

Neurological Conditions

(Codes 8000-8999)

9,827 3.0% 3,251 1.0% 3,120 1.0%

Mental Disorders

(Codes 9200-9599)

130 0.0% 37,145 9.1% 59 0.0%

Dental and Oral Conditions

(Codes 9900-9999)

9 0.0% 2 0.0% 1 0.0%

Grand Total - All Conditions

(Codes 5000-9999)

103,105 1.8% 47,942 0.8% 8,370 0.1%
Chapter 3 Business Beginning FY 2001

87

Total Individual Service-Connected Disabilities – by Percent and Body System

For Veterans Receiving Compensation

Beginning of Fiscal Year 2001

90% 100% Total

Body System Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Number of

Disabilities

Percent

of System

Musculoskeletal System

(Codes 5000-5399)

1,148 0.0% 15,599 0.7% 2,346,864 100.0%

Eye

(Codes 6000-6099)

446 0.4% 3,527 3.4% 104,050 100.0%

Impairment of Auditory Acuity

(Codes 6100-6299)

413 0.1% 2,955 0.6% 505,298 100.0%

Infectious Diseases, Immune

Disorders, Nutritional Disorder

(Codes 6300-6399)

2 0.0% 1,045 2.2% 47,980 100.0%

Respiratory System

(Codes 6501-6899)

4 0.0% 6,778 2.3% 298,789 100.0%

Cardiovascular System

(Codes 7000-7199)

13 0.0% 11,286 3.2% 348,645 100.0%

Digestive System

(Codes 7200-7399)

0 0.0% 6,889 1.6% 432,920 100.0%

Genitourinary System

(Codes 7500-7599)

0 0.0% 6,305 4.5% 141,583 100.0%

Gynecological Conditions

(Codes 7610-7699)

0 0.0% 110 0.3% 34,547 100.0%

Hemic & Lymphatic Systems

(Codes 7700-7799)

0 0.0% 2,041 9.6% 21,153 100.0%

Skin

(Codes 7800-7899)

7 0.0% 163 0.0% 722,474 100.0%

Endocrine System

(Codes 7900-7999)

9 0.0% 1,619 2.8% 58,719 100.0%

Neurological Conditions

(Codes 8000-8999)

604 0.2% 13,203 4.1% 322,904 100.0%

Mental Disorders

(Codes 9200-9599)

3 0.0% 97,201 23.8% 409,071 100.0%

Dental and Oral Conditions

(Codes 9900-9999)

0 0.0% 41 0.2% 26,798 100.0%

Grand Total - All Conditions

(Codes 5000-9999)

2,649 0.0% 168,762 2.9% 5,821,795 100.0%
Chapter 3 Business Beginning FY 2001

88

f. Most Prevalent Service-Connected Disabilities

This section presents data identifying the most common service-connected disabilities at the

beginning of the fiscal year.

1. By Body Systems

The three-page table identifies the five most prevalent individual disabilities (by diagnostic

code) for each of the body systems, in descending order of frequency.

Note: The “Percent of System Total” column indicates the proportion of service-connected

disabilities within each body system that have been assigned the diagnostic code shown at the

left of each row. The “Percent of Grand Total” column indicates the proportion of serviceconnected disabilities in all body systems that have been assigned the diagnostic code at the

left of each row.
Chapter 3 Business Beginning FY 2001

89

Most Prevalent Service-Connected Disabilities within Body Systems

For Veterans Receiving Compensation

Beginning of Fiscal Year 2001

Code Body System and Disability Total

Number

Percent of

System Total

Percent of

Grand Total

Musculoskeletal System 2,346,864 100.0% 40.3%

5299 Skeletal conditions 244,029 10.4% 4.2%

5257 Knee, other impairment of 225,410 9.6% 3.9%

5010 Arthritis, due to trauma 185,521 7.9% 3.2%

5295 Lumbosacral strain 169,360 7.2% 2.9%

5293 Intervertebral disc syndrome 132,552 5.6% 2.3%

Skin 722,474 100.0% 12.4%

7805 Scars, other 284,428 39.4% 4.9%

7800 Scars, disfiguring, head, face, neck 93,719 13.0% 1.6%

7899 Skin condition 84,106 11.6% 1.4%

7804 Scars, superficial, tender and painful on objective

demonstration

72,749 10.1% 1.2%

7806 Eczema 55,466 7.7% 1.0%

Auditory 505,298 100.0% 8.7%

6260 Tinnitus 144,243 28.5% 2.5%

6100 Auditory, acuity impairment, 0% 139,005 27.5% 2.4%

6297 Hearing Loss 73,701 14.6% 1.3%

6200 Otitis media, suppurative, chronic 23,653 4.7% 0.4%

6101 Auditory, acuity impairment, 10% 14,538 2.9% 0.2%

Digestive System 432,920 100.0% 7.4%

7336 Hemorrhoids, external or internal 123,002 28.4% 2.1%

7305 Ulcer, duodenal 62,516 14.4% 1.1%

7338 Hernia, inguinal 49,229 11.4% 0.8%

7346 Hernia, hiatal 36,618 8.5% 0.6%

7399 Digestive system, disease of 30,052 6.9% 0.5%

Mental Disorders 409,071 100.0% 7.0%

9411 Post-traumatic stress disorder 133,789 32.7% 2.3%

9400 Generalized anxiety disorder 86,823 21.2% 1.5%

9203 Schizophrenic reaction, paranoid type 35,921 8.8% 0.6%

9204 Schizophrenic reaction, chronic undifferentiated type 23,903 5.8% 0.4%

9405 Depressive reaction 19,437 4.8% 0.3%

Table 9 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0227
Chapter 3 Business Beginning FY 2001

90

Most Prevalent Service-Connected Disabilities within Body Systems

For Veterans Receiving Compensation

Beginning of Fiscal Year 2001

Code Body System and Disability Total

Number

Percent of

System Total

Percent of

Grand Total

Cardiovascular System 348,645 100.0% 6.0%

7101 Hypertensive vascular disease 141,899 40.7% 2.4%

7122 Cold injury residuals 43,901 12.6% 0.8%

7120 Varicose veins 41,894 12.0% 0.7%

7005 Arteriosclerotic heart disease 35,861 10.3% 0.6%

7000 Rheumatic heart disease 13,491 3.9% 0.2%

Neurological Conditions and Convulsive Disorders 322,904 100.0% 5.5%

8100 Migraine 43,683 13.5% 0.8%

8515 Median nerve, paralysis of 24,169 7.5% 0.4%

8045 Brain disease due to trauma 23,659 7.3% 0.4%

8516 Ulnar nerve, paralysis of 19,905 6.2% 0.3%

8520 Sciatic nerve, paralysis of 18,851 5.8% 0.3%

Respiratory System 298,789 100.0% 5.1%

6602 Asthma, bronchial 44,094 14.8% 0.8%

6513 Sinusitis maxillary, chronic 31,316 10.5% 0.5%

6599 Nose and throat, disease of 25,436 8.5% 0.4%

6502 Septum, nasal, deviation of 23,961 8.0% 0.4%

6510 Sinusitis, pansinusitis, chronic 16,259 5.4% 0.3%

Genitourinary System 141,583 100.0% 2.4%

7599 Genitourinary system condition 28,465 20.1% 0.5%

7527 Prostate gland injuries, infections, postoperative 24,953 17.6% 0.4%

7508 Nephrolithiasis 13,560 9.6% 0.2%

7528 Malignant neoplasm 12,139 8.6% 0.2%

7512 Cystitis, chronic 8,371 5.9% 0.1%

Eye 104,050 100.0% 1.8%

6099 Eye condition 11,812 11.4% 0.2%

6018 Eye, Conjunctivitis other, chronic 8,914 8.6% 0.2%

6070 Blindness, light perception only one eye, other normal 7,579 7.3% 0.1%

6009 Eye, injury of, unhealed 6,627 6.4% 0.1%

6066 Blindness, anatomical loss one eye, other normal 6,548 6.3% 0.1%
Chapter 3 Business Beginning FY 2001

91

Most Prevalent Service-Connected Disabilities within Body Systems

For Veterans Receiving Compensation

Beginning of Fiscal Year 2001

Code Body System and Disability Total

Number

Percent of

System

Total

Percent of

Grand Total

Endocrine System 58,719 100.0% 1.0%

7913 Diabetes mellitus 37,985 64.7% 0.7%

7903 Hypothyroidism 9,046 15.4% 0.2%

7900 Hyperthyroidism 4,440 7.6% 0.1%

7999 Endocrine system condition 2,242 3.8% 0.0%

7914 Neoplasm, malignant, endocrine system 1,220 2.1% 0.0%

Infectious Diseases, Immune Disorders, Nutritional

Deficiencies

47,980 100.0% 0.8%

6304 Malaria 34,363 71.6% 0.6%

6399 Infectious disease, immune disorder, nutritional deficiency 3,289 6.9% 0.1%

6351 HIV-Related illness 2,515 5.2% 0.0%

6350 Lupus erythematosus, systemic 1,665 3.5% 0.0%

6313 Avitaminosis 1,260 2.6% 0.0%

Gynecological Conditions 34,547 100.0% 0.6%

7617 Uterus and ovaries, removal of, complete 6,872 19.9% 0.1%

7618 Uterus, removal of, including corpus 6,655 19.3% 0.1%

7699 Gynecological condition or disorder of the breast 5,986 17.3% 0.1%

7628 Benign neoplasms, gynecological or breast 2,796 8.1% 0.0%

7619 Ovaries, removal of 2,779 8.0% 0.0%

Dental and Oral Conditions 26,798 100.0% 0.5%

9999 Dental and oral conditions 8,002 29.9% 0.1%

9905 Temporomandibular articulation, limited motion 7,478 27.9% 0.1%

9904 Mandible, malunion of 6,647 24.8% 0.1%

9913 Teeth, loss of, due to loss of body of maxilla or mandible 1,421 5.3% 0.0%

9910 Maxilla, loss of whole or part, nonunion of or malunion of 992 3.7% 0.0%

Hemic & Lymphatic Systems 21,153 100.0% 0.4%

7706 Splenectomy 7,422 35.1% 0.1%

7799 Hemic & lymphatic system condition 4,041 19.1% 0.1%

7709 Lymphoganulomatosis (Hodgkin's disease) 2,638 12.5% 0.0%

7715 Non-Hodgkin's lymphoma 2,276 10.8% 0.0%

7700 Anemia, hypochromic-microcytic & megaloblastic 1,390 6.6% 0.0%

Grand Total - All Body Systems 5,821,795 100.0% 100.0%
Chapter 3 Business Beginning FY 2001

92

2. By The 20 Most Prevalent Disabilities

The next table identifies the 20 most prevalent service-connected disabilities (by diagnostic

code) for veterans receiving compensation at the beginning of fiscal year 2001.

Note: The “Percent Within System” column indicates the proportion of service-connected

disabilities within each body system that have been assigned the diagnostic code shown at the

left of each row. The “Percent of Total” column shows the proportion of all 5,821,795 serviceconnected disabilities that have been assigned the diagnostic code shown at the left of each

row. The “Cumulative Percent” column shows the sum of the “Percent of Total” box in each

row for the associated diagnostic code and all preceding diagnostic codes. For example, 45.0

percent of all disabilities rated service-connected are accounted for by the 20 most prevalent

service-connected diagnostic codes.

Most Prevalent Disabilities

For Veterans Receiving Compensation

Beginning of Fiscal Year 2001

Diagnostic

Code

Disability Total Percent

Within System

FY 2001

Percent of

Total

FY 2001

Cumulative

Percent

FY 2001

TOTAL NUMBER OF DISABILITIES IN FY 2001 5,821,795 100.0%

7805 Scars, other20 284,428 39.4% 4.9% 4.9%

5299 Skeletal conditions 244,029 10.4% 4.2% 9.1%

5257 Knee, other impairment of 225,410 9.6% 3.9% 12.9%

5010 Arthritis, due to trauma 185,521 7.9% 3.2% 16.1%

5295 Lumbosacral strain 169,360 7.2% 2.9% 19.0%

6260 Tinnitus 144,243 28.5% 2.5% 21.5%

7101 Hypertensive vascular disease 141,899 40.7% 2.4% 24.0%

6100 Auditory, acuity impairment, 0% 139,005 27.5% 2.4% 26.3%

9411 Post-traumatic stress disorder 133,789 32.7% 2.3% 28.6%

5293 Intervertebral disc syndrome 132,552 5.6% 2.3% 30.9%

7336 Hemorrhoids, external or internal 123,002 28.4% 2.1% 33.0%

7800 Scars, disfiguring, head, face, neck 93,719 13.0% 1.6% 34.6%

5003 Arthritis, degenerative 91,585 3.9% 1.6% 36.2%

9400 Generalized anxiety disorder 86,823 21.2% 1.5% 37.7%

7899 Skin condition 84,106 11.6% 1.4% 39.2%

6297 Hearing loss 73,701 14.6% 1.3% 40.4%

7804 Scars, superficial, tender, painful 72,749 10.1% 1.2% 41.7%

5271 Ankle, limited motion of 70,671 3.0% 1.2% 42.9%

5284 Foot injuries, other 62,828 2.7% 1.1% 44.0%

7305 Ulcer, duodenal 62,516 14.4% 1.1% 45.0%

Table 10 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0227

 

20 See footnote on page 27.
Chapter 3 Business Beginning FY 2001

93

3. By Period of Service

The next five tables in this section show the 10 service-connected disabilities most prevalent

(by diagnostic code) for veterans of World War II, the Korean War, the Vietnam Era, the Gulf

War Era, and the various Peacetime periods. Data for WWI veterans and other periods with

very few beneficiaries are not included.

Most Prevalent World War II Disabilities

Beginning of Fiscal Year 2001

Diagnostic

Code

Disability Number of

Disabilities

Percent of

Total

9400 Generalized anxiety disorder 53,714 5.9%

7805 Scars, other21 44,043 4.8%

5010 Arthritis, due to trauma 29,777 3.2%

7122 Cold injury residuals 28,024 3.1%

5276 Flatfoot, acquired 23,455 2.6%

7804 Scars, superficial, tender, painful 19,704 2.1%

9411 Post-traumatic stress disorder 16,917 1.8%

7800 Scars, disfiguring, head, face, neck 16,704 1.8%

5314 Muscle injuries, thigh 15,317 1.7%

5311 Muscle injuries, foot and leg 15,303 1.7%

Total Number of Disabilities1 917,231

Average Number of Disabilities Per Veteran 1.82

Total Number of Disability Codes 877

Total World War II Veterans With Compensation2 505,087

Percent of All Veterans With Compensation 21.9%

Total World War II Veteran Population3 5,559,487

Percent of Total Veteran Population3 22.8%

Table 11 – Chap. 3

1

 Source: Benefits Delivery Network - RCS 20-0227

2

 Source: Benefits Delivery Network - RCS 20-0221

3

 Source: VA Office of Policy and Planning – Veteran Population as of July 1, 2000

 

21 See footnote on page 27
Chapter 3 Business Beginning FY 2001

94

Most Prevalent Korean War Disabilities

Beginning of Fiscal Year 2001

Diagnostic

Code

Disability Number of

Disabilities

Percent of

Total

7805 Scars, other22 18,320 5.3%

7122 Cold injury residuals 9,708 2.8%

5010 Arthritis, due to trauma 9,117 2.6%

7305 Ulcer, duodenal 8,714 2.5%

9400 Generalized anxiety disorder 7,167 2.1%

7804 Scars, superficial, tender, painful 6,850 2.0%

5299 Skeletal conditions 6,715 1.9%

5257 Knee, other impairment of 6,642 1.9%

7800 Scars, disfiguring, head, face, neck 6,569 1.9%

6260 Tinnitus 6,268 1.8%

Total Number of Disabilities1 346,410

Average Number of Disabilities Per Veteran 2.03

Total Number of Disability Codes 846

Total Korean War Veterans With Compensation2 170,616

Percent of All Veterans With Compensation 7.4%

Total Korean War Veteran Population3 3,945,798

Percent of Total Veteran Population3 16.2%

Table 12 – Chap. 3

1

 Source: Benefits Delivery Network - RCS 20-0227

2

 Source: Benefits Delivery Network - RCS 20-0221

3

 Source: VA Office of Policy and Planning – Veteran Population as of July 1, 2000

 

22 See footnote on page 27
Chapter 3 Business Beginning FY 2001

95

Most Prevalent Vietnam Era Disabilities

Beginning of Fiscal Year 2001

Diagnostic

Code

Disability Number of

Disabilities

Percent of

Total

7805 Scars, other23 126,539 6.2%

9411 Post-traumatic stress disorder 98,716 4.8%

5299 Skeletal conditions 81,608 4.0%

5257 Knee, other impairment of 66,873 3.3%

7101 Hypertensive vascular disease 55,272 2.7%

6100 Auditory, acuity impairment, 0% 53,867 2.6%

6260 Tinnitus 53,289 2.6%

5295 Lumbosacral strain 53,195 2.6%

5010 Arthritis, due to trauma 51,092 2.5%

7336 Hemorrhoids, external or internal 50,729 2.5%

Total Number of Disabilities1 2,048,734

Average Number of Disabilities Per Veteran 2.76

Total Number of Disability Codes 877

Total Vietnam Era Veterans With Compensation2 740,976

Percent of All Veterans With Compensation 32.1%

Total Vietnam Era Veteran Population3 8,055,019

Percent of Total Veteran Population3 33.0%

Table 13 – Chap. 3

1

 Source: Benefits Delivery Network - RCS 20-0227

2

 Source: Benefits Delivery Network - RCS 20-0221

3

 Source: VA Office of Policy and Planning – Veteran Population as of July 1, 2000

 

23 See footnote on page 27
Chapter 3 Business Beginning FY 2001

96

Most Prevalent Gulf War Era Disabilities

Beginning of Fiscal Year 2001

Diagnostic

Code

Disability Number of

Disabilities

Percent of

Total

5299 Skeletal conditions 69,017 6.5%

5257 Knee, other impairment of 60,366 5.7%

5295 Lumbosacral strain 48,030 4.5%

5010 Arthritis, due to trauma 44,024 4.2%

7805 Scars, other24 38,245 3.6%

6260 Tinnitus 37,390 3.5%

7101 Hypertensive vascular disease 32,788 3.1%

5293 Intervertebral disc syndrome 32,385 3.1%

6100 Auditory, acuity impairment, 0% 32,351 3.1%

5271 Ankle, limited motion of 23,098 2.2%

Total Number of Disabilities1 1,057,617

Average Number of Disabilities Per Veteran 3.26

Total Number of Disability Codes 842

Total Gulf War Era Veterans With Compensation2 324,628

Percent of All Veterans With Compensation 14.1%

Total Gulf War Era Veteran Population3 2,400,114

Percent of Total Veteran Population3 9.8%

Table 14 – Chap. 3

1

 Source: Benefits Delivery Network - RCS 20-0227

2

 Source: Benefits Delivery Network - RCS 20-0221

3

 Source: VA Office of Policy and Planning – Veteran Population as of July 1, 2000

 

24 See footnote on page 27
Chapter 3 Business Beginning FY 2001

97

Most Prevalent Peacetime Periods Disabilities

Beginning of Fiscal Year 2001

Diagnostic

Code

Disability Number of

Disabilities

Percent of

Total

5257 Knee, other impairment of 80,552 5.6%

5299 Skeletal conditions 77,045 5.3%

7805 Scars, other25 56,840 3.9%

5295 Lumbosacral strain 53,691 3.7%

5010 Arthritis, due to trauma 51,363 3.6%

7101 Hypertensive vascular disease 49,309 3.4%

6100 Auditory, acuity impairment, 0% 41,082 2.9%

5293 Intervertebral disc syndrome 40,850 2.8%

7336 Hemorrhoids, external or internal 36,228 2.5%

6260 Tinnitus 35,433 2.5%

Total Number of Disabilities1 1,441,000

Average Number of Disabilities Per Veteran 2.54

Total Number of Disability Codes 885

Total Peacetime Veterans With Compensation2 566,833

Percent of All Veterans With Compensation 24.6%

Total Peacetime Veteran Population3 5,780,721

Percent of Total Veteran Population3 23.7%

Table 15 – Chap. 3

1

 Source: Benefits Delivery Network - RCS 20-0227

2

 Source: Benefits Delivery Network - RCS 20-0221

3

 Source: VA Office of Policy and Planning – Veteran Population as of July 1, 2000

 

25 See footnote on page 27
Chapter 3 Business Beginning FY 2001

98

g. Demographic Characteristics of Veterans Receiving Compensation

This section presents age and period of service information for all veterans with serviceconnected disabilities and in receipt of compensation at the beginning of fiscal year 2001.

By Age

The first table in this section shows the distribution, by age, of all veterans receiving

compensation. The age group with the most veterans and receiving the highest total

dollar amount is highlighted in yellow.

Service-Connected Disability Compensation

By Age

Beginning of Fiscal Year 2001

Age Total Veterans Percent of All

Ages

Annual Payments

Under 20 122 0.0% $369,420

20-29 77,927 3.4% $273,208,308

30-39 216,257 9.4% $1,031,246,028

40-49 392,320 17.0% $2,349,225,540

50-59 606,994 26.3% $4,637,030,472

60-69 314,723 13.6% $2,104,544,352

70-79 470,082 20.4% $3,000,486,180

80-89 219,619 9.5% $1,321,270,020

90 and Over 10,100 0.4% $55,951,980

Ages Unknown 42 0.0% $50,040

ALL AGES 2,308,186 100.0% $14,773,382,340

Average Age of Veterans: 59 Mean Age of Veterans : 56

 Table 16 – Chap. 3

 Source: Benefits Delivery Network - RCS 20-0236
Chapter 3 Business Beginning FY 2001

99

By Period of Service

The distribution of all veterans receiving compensation by period of service and by

combined degree of disability is shown in the next table. For each combined disability

rating level, yellow highlighting indicates the largest group of veterans, by service period,

rated at that level.

Service-Connected Disability Compensation

By Period of Service and Combined Percent of Disability

Beginning of Fiscal Year 2001

Combined

Percent

World

War I1

World

War II

Korean

War

Vietnam

War

Gulf War

Era

Peacetime

Periods

Total For All

Periods

0% 1 7,531 5,056 1,644 533 2,704 17,469

Percent of All Periods 0.0% 43.1% 28.9% 9.4% 3.1% 15.5% 100.0%

10% 7 190,923 56,587 227,800 123,948 239,621 838,886

Percent of All Periods 0.0% 22.8% 6.7% 27.2% 14.8% 28.6% 100.0%

20% 6 69,299 23,884 102,836 67,416 107,411 370,852

Percent of All Periods 0.0% 18.7% 6.4% 27.7% 18.2% 29.0% 100.0%

30% 7 73,012 23,293 100,946 47,466 64,169 308,893

Percent of All Periods 0.0% 23.6% 7.5% 32.7% 15.4% 20.8% 100.0%

40% 7 41,431 14,387 66,094 33,469 41,738 197,126

Percent of All Periods 0.0% 21.0% 7.3% 33.5% 17.0% 21.2% 100.0%

50% 3 27,948 8,766 43,772 15,953 22,196 118,638

Percent of All Periods 0.0% 23.6% 7.4% 36.9% 13.4% 18.7% 100.0%

60% 4 30,316 11,125 41,805 13,895 25,477 122,622

Percent of All Periods 0.0% 24.7% 9.1% 34.1% 11.3% 20.8% 100.0%

70% 3 18,609 6,801 38,443 7,909 14,732 86,497

Percent of All Periods 0.0% 21.5% 7.9% 44.4% 9.1% 17.0% 100.0%

80% 1 12,672 4,508 21,450 4,743 9,048 52,422

Percent of All Periods 0.0% 24.2% 8.6% 40.9% 9.0% 17.3% 100.0%

90% 1 5,955 2,195 10,192 1,979 4,152 24,474

Percent of All Periods 0.0% 24.3% 9.0% 41.6% 8.1% 17.0% 100.0%

100% 6 27,391 14,014 85,994 7,317 35,585 170,307

Percent of All Periods 0.0% 16.1% 8.2% 50.5% 4.3% 20.9% 100.0%

Total Receiving Comp. 46 505,087 170,616 740,976 324,628 566,833 2,308,186

Percent of All Periods 0.0% 21.9% 7.4% 32.1% 14.1% 24.6% 100.0%

Total Veterans2 2,415 5,559,487 3,945,798 8,055,019 2,400,114 5,780,721 24,411,563 3

Percent of All Veterans 0.0% 22.8% 16.2% 33.0% 9.8% 23.7% 100.0%

Table 17 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0223

1

 Includes 8 veterans with Mexican Border service

2

 Source: VA Office of Policy and Planning – Veteran Population as of July 1, 2000

3 Veterans who served in more than one war period only counted once in total.
Chapter 3 Business Beginning FY 2001

100

2. COMPENSATION - BASED UPON SERVICE-CONNECTED DEATH

a. Total Number Of Beneficiaries Receiving DIC/Death Compensation Benefits At The

 Beginning Of Fiscal Year 2001

This table shows the number of beneficiaries receiving DIC or Death Compensation benefits,

the total projected annual payment to beneficiaries, and the projected average annual

payment to each beneficiary.

Total Beneficiaries Receiving

Service-Connected Death Benefits

Beginning of Fiscal Year 2001

Type of Benefit Number Percent of

Total

Total

Annual Amounts

Average

Annual

Amounts

DIC - Surviving Spouses 288,145 91.9% $3,339,185,418 $11,589

DIC - Surviving Children 12,877 4.1% $66,897,522 $5,195

DIC - Surviving Parents 10,413 3.3% $24,295,327 $2,333

SUBTOTAL 311,435 99.4% $3,430,378,267 $11,015

Death Compensation 1,973 0.6% $1,922,604 $974

GRAND TOTAL 313,408 100.0% $3,432,300,871 $10,952

Table 18 – Chap. 3

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

b. Demographic Characteristics of All DIC and Death Compensation Beneficiaries

This section provides demographic characteristics of beneficiaries receiving DIC or Death

Compensation benefits at the beginning of fiscal year 2001.

By The Veteran’s Period of Service

The first table shows total beneficiaries receiving DIC or Death Compensation sorted by

the veteran’s period of service. Also shown are projected total annual payments and

average annual payments, by period of service and program.
Chapter 3 Business Beginning FY 2001

101

Total Beneficiaries Receiving Service-Connected Death Benefits

By Period of Service

Beginning of Fiscal Year 2001

Period of Service Number of

Beneficiaries1

Percent of

Beneficiaries

Total

Annual Amounts2

Average

Annual

Amounts

 Civil War 1 0.0% $11,262 $11,262

 Death Compensation 0 0.0% $0 $0

 DIC 1 0.0% $11,262 $11,262

 Spanish American War 13 0.0% $146,402 $11,262

 Death Compensation 0 0.0% $0 $0

 DIC 13 0.0% $146,402 $11,262

 Mexican Border Period 3 0.0% $33,785 $11,262

 Death Compensation 0 0.0% $0 $0

 DIC 3 0.0% $33,785 $11,262

 World War I 2,877 0.9% $31,680,108 $11,011

 Death Compensation 1 0.1% $974 $974

 DIC 2,876 0.9% $31,679,133 $11,015

 World War II 118,111 37.7% $1,292,041,545 $10,939

 Death Compensation 889 45.1% $866,292 $974

 DIC 117,222 37.6% $1,291,175,253 $11,015

 Korean Conflict 37,592 12.0% $404,533,433 $10,761

 Death Compensation 950 48.2% $925,734 $974

 DIC 36,642 11.8% $403,607,699 $11,015

 Vietnam Era 106,448 34.0% $1,172,478,992 $11,015

 Death Compensation 2 0.1% $1,949 $974

 DIC 106,446 34.2% $1,172,477,043 $11,015

 Gulf War Era 7,394 2.4% $81,444,540 $11,015

 Death Compensation 0 0.0% $0 $0

 DIC 7,394 2.4% $81,444,540 $11,015

 Peacetime 40,967 13.1% $449,930,804 $10,983

 Death Compensation 131 6.6% $127,654 $974

 DIC 40,836 13.1% $449,803,150 $11,015

 All Periods 313,408 100.0% $3,432,300,871 $10,952

 Death Compensation 1,973 100.0% $1,922,604 $974

 DIC 311,435 100.0% $3,430,378,267 $11,015

Table 19 – Chap. 3

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

1

 The number of DIC beneficiaries for each period of service is calculated by multiplying the total number of beneficiaries from the COIN CP127 by the percentage of DIC cases for each period of service (derived from RCS 20-0221).

2

 The total annual amounts of DIC for each period of service are calculated by multiplying the percentage of beneficiaries for each period of

service (derived from RCS 20-0221) by the total annual amounts from COIN CP-127.
Chapter 3 Business Beginning FY 2001

102

By Relationship to the Veteran

This table shows the distribution of DIC beneficiaries based upon relationship to the

veteran - surviving spouse, child, or dependent parent.

Total Beneficiaries Receiving DIC by Relationship

Beginning of Fiscal Year 2001

Surviving

Spouse

Children Parent Total

Beneficiaries

Number 288,145 12,877 10,413 311,435

Percent 92.6% 4.1% 3.3% 100.0%

Table 20 – Chap. 3

Source: Benefits Delivery Network - COIN CP 127

By Age of Surviving Spouses

The age distribution of surviving spouses in receipt of DIC and the projected total annual

payments, by age group, are presented in the following table.

Surviving Spouses Receiving DIC

By Age

Beginning of Fiscal Year 2001

Age Number Percent of All

Ages

Annual

Payments

Under Age 25 226 0.1% $2,549,278

25 - 35 2,678 0.9% $29,459,708

36 - 45 9,386 3.3% $103,927,766

46 - 55 27,411 9.5% $308,796,785

56 - 65 43,100 15.0% $497,719,968

66 - 75 78,532 27.3% $918,770,491

Over 75 126,812 44.0% $1,477,961,422

All Ages 288,145 100.0% $3,339,185,418

Table 21 – Chap. 3

Source: Benefits Delivery Network - COIN CP 127

By Dependency Status of Surviving Spouses

Surviving spouses with dependents are entitled to higher DIC payments than those with

no dependents. The following table provides a distribution of surviving spouses, sorted by

dependency status.

Dependency and Indemnity Compensation (DIC)

By Surviving Spouse and Dependents

Beginning of Fiscal Year 2001

Surviving Spouses

Without Dependents

Surviving Spouses

with Dependents

Total

Surviving Spouses1

Number 277,394 10,751 288,145

Percent 96.3% 3.7% 100.0%

Table 22 – Chap. 3

Source: Benefits Delivery Network - COIN CP-127

1 Four surviving spouse records did not show status of dependents.
Chapter 3 Business Beginning FY 2001

103

By Age of Children

The following table shows the distribution of DIC children in two age categories: under

age 18 and over age 18. Children over age 18 are shown according to their eligibility

status:

• Those who are eligible because of school attendance and

• Those who are eligible because of incapacity for self support prior to age 18

Children Receiving DIC

By Age

Beginning of Fiscal Year 2001

Under Age 181 Age 18 and Over

in School

Age 18 and Over

and Helpless

Total All

Categories

Number 4,784 1,112 6,981 12,877

Percent 37.2% 8.6% 54.2% 100.0%

Annual Payments $23,650,055 $3,146,649 $40,100,819 $66,897,522

Table 23 – Chap. 3

Source: Benefits Delivery Network – COIN CP-127

1 Includes 2,595 consolidated awards that account for more than one child.

By Marital Status of Surviving Parents

DIC benefit payment amounts are calculated according to the marital status of a surviving

parent. Marital status categories and their definitions follow:

• No Spouse - one parent is alive and is not married

• Spouse - both parents are alive and one or both married other persons

• Apart - both parents are alive but do not live together

• Together - both parents are alive and live together

• Remarried - one parent is alive and has remarried

The following table shows the distribution of dependent parents, by marital status.

Surviving Parents Receiving DIC by Marital Status

Beginning of 2001

No Spouse Spouse Apart Together Remarried Total

Number 7,581 126 1,511 1,096 99 10,413

Percent 72.8% 1.2% 14.5% 10.5% 1.0% 100.0%

Annual

Payments

$19,897,397 $223,458 $2,887,158 $1,147,249 $140,065 $24,295,327

Table 24 - Chap.3

Source: Benefits Delivery Network - COIN CP-127
Chapter 3 Business Beginning FY 2001

104

3. PENSION - BASED UPON NONSERVICE-CONNECTED DISABILITY

a. Total Number of Veterans Receiving Disability Pension

The number of veterans receiving disability pension at the beginning of fiscal year 2001 is

shown in the following table. Also shown are projected total annual amounts and average

annual amounts of disability pension payments for the three disability pension programs.

Total Veterans Receiving Disability Pension

By Program

Beginning Fiscal Year 2001

Type of Pension Number of

Veterans

Percent of

Total

Total Annual

Amounts

Average

Annual

Amounts

Protected Pension 304 0.1% $315,072 $1,036

Section 306 Pension 23,604 6.5% $38,739,864 $1,641

PL 95-588 - New Law Pension 340,312 93.4% $2,116,153,884 $6,218

Total 364,220 100.0% $2,155,208,820 $5,917

Table 25 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0221

b. Demographic Characteristics of Veterans Receiving Disability Pension at the

Beginning of Fiscal Year 2001

By Age

The number and projected total annual amount of disability pension payments for each

age group is shown in the next table. For each category of pension, yellow highlighting

indicates the age group with the most veteran recipients.
Chapter 3 Business Beginning FY 2001

105

Total Veterans Receiving Disability Pension

By Age Beginning Fiscal Year 2001

Age Other Pension1 New Law Pension All Pension Programs Annual

Number Percent of

All Ages

Number Percent of

All Ages

Total for

Age

Group

Percent of

All Ages

Payments

Under Age 20 0 0.0% 1 0.0% 1 0.0% $16,860

20-29 0 0.0% 269 0.1% 269 0.1% $2,189,712

30-39 0 0.0% 949 0.3% 949 0.3% $7,623,816

40-49 160 0.7% 29,160 8.6% 29,320 8.1% $241,834,848

50-59 895 3.7% 71,800 21.1% 72,695 20.0% $596,638,188

60-69 2,773 11.6% 53,640 15.8% 56,413 15.5% $316,225,620

70-79 10,822 45.3% 124,894 36.7% 135,716 37.3% $645,903,804

80-89 7,724 32.3% 54,657 16.1% 62,381 17.1 $311,862,156

90 and Over 1,534 6.4 4,931 1.4% 6,465 1.8% $32,853,540

Age Unknown 0 0.0% 11 0.0% 11 0.0% $60,276

All Ages 23,908 100.0% 340,312 100.0% 364,220 100.0% $2,155,208,820

Average Age of Veterans: 69

Table 26 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0236

1

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

By Period of Service

The next table provides a distribution by period of service for those veterans receiving

disability pension at the beginning of fiscal year 2001. The total projected annual amount

of disability pension payments for each period of service is shown in the last column of

the table.

Disability Pension by

Period of Service

Beginning Fiscal Year 2001

Period of Other Pension1 New Law Pension All Pension Programs Annual

Service Number Percent of

All Periods

Number Percent of

All Periods

Total for

Period

Percent of

All Periods

Payments

Mexican Border 0 0.0% 5 0.0% 5 0.0% $40,932

World War I 32 0.1% 137 0.0% 169 0.0% $1,241,412

World War II 17,942 75.0% 153,015 45.0% 170,957 46.9% $825,909,672

Korean War 4,797 20.1% 79,390 23.3% 84,187 23.1% $436,313,688

Vietnam War 1,137 4.8% 106,249 31.2% 107,386 29.5% $879,464,400

Gulf War Era 0 0.0% 1,516 0.4% 1,516 0.4% $12,238,716

All Periods 23,908 100.0% 340,312 100.0% 364,220 100.0% $2,155,208,820

Table 27 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0221

1

 The “Other Pension” category groups the 2 older pension programs (Protected Pension and Section 306 Pension) into one category.
Chapter 3 Business Beginning FY 2001

106

4. PENSION - BASED UPON NONSERVICE-CONNECTED DEATH

a. Total Number of Beneficiaries Receiving Death Pension at the Beginning of Fiscal 

Year 2001

The number of beneficiaries receiving death pension at the beginning of fiscal year 2001, as

well as projected total annual amounts and average annual amounts of payment for all three

VA death pension programs is provided in the following table. Beneficiaries include surviving

spouses, children and parents.

Total Beneficiaries Receiving Death Pension

By Program

Beginning Fiscal Year 2001

Type of Pension Number of

Beneficiaries

Percent of Total Total Annual

Amounts

Average Annual

Amounts

Protected Pension 1,381 0.5% $973,056 $705

Section 306 Pension 75,796 29.5% $79,661,604 $1,051

PL 95-588 (New Law Pension) 179,929 70.0% $580,305,984 $3,225

Total 257,106 100.0% $660,940,644 $2,571

Table 28 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0221

b. Demographic Characteristics of Beneficiaries Receiving Death Pension at the

Beginning of Fiscal Year 2001

By Age for Surviving Spouses

The following table shows the distribution by age among surviving spouses. The

projected total annual amount of death pension payments for each age group is also

shown in the last column of the table.

Total Surviving Spouses Receiving Death Pension

By Age

Beginning of Fiscal Year 2001

Other Pension1 New Law Pension All Pension Programs

Age Number Percent of

All Ages Number Percent ofAll Ages

Total For

Age Group

Percent of

All Ages

Annual

Payments

Under Age 25 0 0.0% 243 0.1% 243 0.1% $797,234

25 - 35 0 0.0% 409 0.2% 409 0.2% $1,341,847

36 - 45 54 0.1% 3,510 2.0% 3,564 1.5% $11,575,164

46 - 55 603 0.9% 16,295 9.3% 16,898 7.1% $54,127,893

56 - 65 1,803 2.8% 30,054 17.2% 31,857 13.3% $100,603,148

66 - 75 10,424 16.1% 45,278 26.0% 55,702 23.3% $160,116,283

Over 75 51,973 80.1% 78,612 45.1% 130,585 54.6% $315,183,148

Age Unknown 19 0.0% 0 0.0% 19 0.0% $20,676

All Ages 64,876 100.0% 174,401 100.0% 239,277 100.0% $643,765,394

Table 29 – Chap. 3

Source: Benefits Delivery Network - COIN CP-103

1

 The “Other Pension” category groups the two older pension programs (Protected Pension and Section 306 Pension) into one category.
Chapter 3 Business Beginning FY 2001

107

By Period of Service for All Beneficiaries

The number of surviving spouses, children and dependent parents receiving death

pensions, sorted by the veteran’s period of service, is shown in the next table. The table

also includes projected annual payments. The largest group is highlighted in yellow.

Nonservice-Connected Death Pension by Period of Service

Beginning of Fiscal Year 2001

Other Pension1 New Law Pension All Pension Programs

Period of

Service Number Percent ofAll Periods Number Percent ofAll Periods

Totals for

Period

Percent of

All Periods

Annual

Payments

Wars of the 1800s2 523 0.7% 377 0.2% 900 0.4% $2,031,648

World War I 15,277 19.8% 16,015 8.9% 31,292 12.2% $64,168,968

World War II 56,544 73.3% 120,322 66.9% 176,866 68.8% $397,258,716

Korean War 4,133 5.4% 27,030 15.0% 31,163 12.1% $110,340,168

Vietnam Era 700 0.9% 16,045 8.9% 16,745 6.5% $86,399,052

Gulf War Era 0 0.0% 140 0.1% 140 0.1% $742,092

All Periods 77,177 100.0% 179,929 100.0% 257,106 100.0% $660,940,644

Table 30 – Chap. 3

Source: Benefits Delivery Network - RCS 20-0221

1

 The “Other Pension” category groups the 2 older pension programs (Protected Pension and Section 306 Pension) into one category.

2

 “Wars of the 1800s” include the Civil War, Indian Wars, Mexican Border Era and Spanish-American War.

5. EDUCATION

a. Beneficiaries Receiving Education Benefits at the Beginning of Fiscal Year 2001

Number of veterans, dependents, service members and reservists receiving education

benefits at the beginning of fiscal year 2001 in each education benefit program is shown in the

following table.

Beneficiaries Receiving Education Benefits

Beginning of Fiscal Year 2001

Program Number of

Beneficiaries

Percent

of Total

Dependents Education 14,963 7.3%

Montgomery GI Bill - Active Duty1 153,983 74.8%

Montgomery GI Bill – Reserves2 36,147 17.6%

Post-Vietnam Veterans Education 798 0.4%

Total 205,891 100%

Table 31 – Chap. 3

Source: Education Service SAS Reports

1

 Based on Active Duty service

2

 Based on service in the Selected Reserve
Chapter 3 Business Beginning FY 2001

108

b. Characteristics of the Training Pursued by Beneficiaries

By Type of Training

The next table shows the distribution, by program, of the types of training in which the

beneficiaries were using their education benefit at the beginning of fiscal year 2001. The

most frequent type of training and the program with the largest enrollment are highlighted

in yellow.

Beneficiaries Receiving Education Benefits

By Type Of Training and Program

Beginning of Fiscal Year 2001

Education Program College,

Non-Degree

Graduate UnderGraduateVocational/

Technical

Program

Totals

Percent

of All

Programs

Dependents Education 76 449 12,354 2,084 14,963 7.3%

Montgomery GI Bill - Active Duty1 2,384 10,219 134,776 6,604 153,983 74.8%

Montgomery GI Bill – Reserves2 270 1,639 33,737 501 36,147 17.6%

Post-Vietnam Veterans Education 12 186 569 31 798 0.4%

Type Training Totals 2,742 12,493 181,436 9,220 205,891 100%

Percent of Program Totals 1.3% 6.1% 88.1% 4.5%

Table 32 – Chap. 3

Source: Education Service SAS Reports

1

 Based on Active Duty service

2

 Based on service in the Selected Reserve

By Training Time

The distribution, by program, of the training times of the beneficiaries using their education

benefit at the beginning of fiscal year 2001 is presented in the next table. The most

frequent training time and the program with the largest enrollment are highlighted in

yellow.

Beneficiaries Receiving Education Benefits

By Training Time and Program

Beginning of Fiscal Year 2001

Education Program Less Than

One-Half

Time

Half

Time

Three

Quarter

Time

Full

Time

Program

Totals

Percent

of All

Programs

Dependents Education 2,591 1,511 2,190 8,671 14,963 7.3%

Montgomery GI Bill - Active Duty1 10,562 26,882 20,605 95,934 153,983 74.8%

Montgomery GI Bill – Reserves2 1,642 3,685 3,409 27,411 36,147 17.6%

Post-Vietnam Veterans Education 129 192 116 361 798 0.4%

Training Time Totals 14,924 32,270 26,320 132,377 205,891 100%

Percent of Program Totals 7.2% 15.8% 12.8% 64.3%

Table 33 – Chap. 3

Source: Education Service SAS Reports

1

 Based on Active Duty service

2

 Based on service in the Selected Reserve
Chapter 3 Business Beginning FY 2001

109

6. LIFE INSURANCE

a. Total Number of Policyholders and the Value of Their Coverage

The next table shows the total number of veterans insured under each program, the total face

value of their policies, and the average face value of a policy in each program.

Note: The face value of the policies includes “paid up additions” for those programs that offer

that feature (USGLI, NSLI, VSLI, VRI). The face value is the amount that would be paid upon

the death of the veteran.

Total Insurance Policies In-Force

Beginning of Fiscal Year 2001

Insurance Number of

Policies

Total

Face Value

Average Face

Value

Maximum

Face Value

USGLI1 16,280 $53,217,338 $3,269 $10,000

NSLI1 1,715,536 $17,012,828,150 $9,917 $10,000

VSLI1 242,608 $2,668,722,374 $11,000 $10,000

VRI1 77,638 $647,700,783 $8,343 $10,000

SDVI1 151,315 $1,418,459,765 $9,374 $10,0002

VMLI3 3,457 $197,988,151 $57,272 $90,000

SGLI4 2,338,5005 $429,324,200,000 $183,590 $200,000

VGLI4 381,585 $35,258,870,000 $92,401 $200,000

TOTAL 4,926,919 $486,581,986,561 $98,760

Table 34 – Chap. 3

1 Source: Insurance Master Record Database - Insurance Statistical Report 700

2

 Additional $20,000 available for totally disabled policyholders

3

 Source: VMLI Database - VMLI Quarterly Report

4

 Source: Veterans And Reservists Group Insurance System - OSGLI Monthly Report

5

 Includes 127,092 policies of veterans separating from service with a 120-day transition period coverage

b. Insurance Payments Made on a Monthly Basis

Although people usually choose to receive payment in a single “lump sum,” a monthly

payment option is available to beneficiaries for death claims, and to veterans 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 must be made monthly. The following table provides data on monthly

payments to either veterans or their beneficiaries.
Chapter 3 Business Beginning FY 2001

110

Insurance Monthly Award Payments

Beginning of Fiscal Year 2001

Payment Type Number of

Awards

Annual

Payments

Average

Payment

Death Awards

USGLI 3,408 $1,045,248 $307

NSLI 54,206 $34,048,428 $628

VSLI 829 $656,328 $792

VRI 315 $198,852 $631

SDVI 330 $139,920 $424

TOTAL 59,088 $36,088,776 $611

Total Disability Income Provision

USGLI 85 $54,108 $637

NSLI 18,107 $21,114,534 $1,166

VSLI 3,170 $4,508,370 $1,422

VRI 910 $698,664 $768

TOTAL 22,272 $26,375,676 $1,184

Matured Endowments

USGLI 0 $0 $0

NSLI 1,220 $1,479,066 $1,212

VSLI 840 $1,386,390 $1,650

VRI 78 $97,716 $1,253

SDVI 12 $8,532 $711

TOTAL 2,150 $2,971,704 $1,382

Cash Surrenders

USGLI 2 $1,056 $528

NSLI 67 $53,412 $797

VSLI 2 $9,744 $4,872

VRI 3 $1,512 $504

SDVI 0 $0 $0

TOTAL 74 $65,724 $888

Total and Permanent Disability

USGLI 134 $36,936 $276

TOTAL 134 $36,936 $276

GRAND TOTAL 83,718 $65,538,816 $783

Table 35 – Chap. 3

 Source: Insurance Master Record Database - AVS 2012
Chapter 3 Business Beginning FY 2001

111

c. Ranking Among Commercial Life Insurance Companies

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.

Rankings based upon 1999 data are shown below since 2000 data is unavailable.

1999 Rankings by Total Life Insurance In-Force

Rank Company Total Insurance

1 Metropolitan Life $1,615,308,000,000

2 Prudential of America $1,072,989,000,000

3 Northwestern Mutual Life $583,426,000,000

4 Transamerica Occidental Life $564,983,000,000

5 Lincoln National Life $522,731,000,000

6 Connecticut General Life $509,647,000,000

VA $488,495,000,000

7 RGA Reinsurance $445,595,000,000

8 New York Life $396,412,000,000

9 State Farm Life $380,739,000,000

Table 36 – Chap. 3

Source: Best's Review, July 2000. Compilation of 1999 data.

d. Demographic Characteristics of Policyholders

By Age

The next table shows the age distribution of policyholders in VA insurance programs. The

age groups that have the greatest percentage of policyholders in each program are

highlighted in yellow.

Note: 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.
Chapter 3 Business Beginning FY 2001

112

Age Distribution for Insurance Programs

USGLI1

% of

Total

NSLI1

% of

Total

VSLI1

% of

Total

VRI1

% of

Total

SDVI1

% of

Total

VMLI2

% of

Total

SGLI4

% of Total

VGLI3

% of

Total

Totals

% by Age

Group

<19

0% 0% 0% 0%

2

0% 0%

184,675

8%

1,296

0%

185,973

4%

20-29

0% 0% 0% 0%

998

1%

37

1%

1,023,954

46%

69,110

18%

1,094,099

23%

30-39

0% 0% 0% 0%

668

4%

338

10%

699,406

31%

124,417

33%

830,847

17%

40-49

0% 0% 0% 0%

27,486

18%

764

22%

265,803

12%

88,867

23%

382,920

8%

50-59

0% 0% 0% 0%

61,378

41%

1,633

47%

66,664

3%

79,505

21%

209,180

4%

60-69

0%

123,326

7%

164,097

68%

5,004

6%

37,998

25%

685

20%

998

0%

17,603

5%

349,711

7%

70-79 3,054

19%

1,080,292

63%

76,872

32%

48,133

62%

14,764

10% 0% 0%

776

0%

1,223,891

25%

80-89 12,601

77%

490,079

29%

1,579

1%

24,011

31%

1,955

1% 0% 0%

10

0%

530,235

11%

90> 625

4%

21,839

1%

60

0%

490

1%

48

0% 0% 0%

1

0%

23,063

0%

Total 16,280

100%

1,715,536

100%

242,608

100%

77,638

100%

151,315

100%

3,457

100%

2,241,5005

100%

381,585

100%

4,829,919

100%

Avg. Age 83.5 76.2 68.6 76.9 55.4 50.6 30.5 41.0

Table 37 - Chap. 3

All data as of September 30, 2000 with the exception of SGLI which is as of December 31,1999.

1

 Source: Insurance Master Record Database - AVS 2010

2

 Source: VMLI Database

3

 Source: Veterans and Reservists Group Insurance System

4

 Includes both Active Duty and Ready Reservists

5

 Does not include 127,092 policies for veterans separating from service with the 120-day transition period coverage.

By Component and Branch of Service for SGLI Coverage

SGLI policyholders, by component and branch of service, are shown in the following table.

Note: The top of the table shows the active duty components for the branches. The

bottom of the table shows the reserve components for the branches. For the branches

that have a National Guard, the Guard members are included in the reserve component.
Chapter 3 Business Beginning FY 2001

113

SGLI Coverage

By Branch and Component of Service

Branch Total

Number

Number

With SGLI

Percent

With SGLI

Percent of

Total With SGLI

Army Active 477,724 470,830 98.6% 21.3%

Navy Active 392,569 380,672 97.0% 17.2%

Air Force Active 355,721 340,843 95.8% 15.4%

Marine Corps Active 180,292 178,596 99.1% 8.1%

Coast Guard Active 36,218 34,801 96.1% 1.6%

NOAA 231 196 84.8% 0.0%

Public Health Service 5,798 5,503 94.9% 0.2%

TOTAL 1,448,553 1,411,441 97.4% 63.8%

Army Reserve/Guard 568,636 531,866 93.5% 24.1%

Navy Reserve 66,886 60,246 90.1% 2.7%

Air Force Reserve/Guard 182,779 168,422 92.1% 7.6%

Marine Corps Reserve 33,483 32,142 96.0% 1.5%

Coast Guard Reserve 8,516 7,291 85.6% 0.3%

TOTAL 860,300 799,967 93.0% 36.2%

GRAND TOTAL 2,308,853 2,211,4081 95.8% 100.0%

Table 38 – Chap. 3

Source: Payroll databases of each branch of service - September 2000 SGLI Monthly Premium Payment Reports

1

 Does not include 127,092 policies for veterans separating from service with the 120-day transition period coverage.

By Amount of SGLI Coverage

Note: SGLI coverage of up to $200,000 is available in increments of $10,000. Minimum

allowable coverage is $10,000. This table shows the number of SGLI members covered

at each $10,000 increment. Yellow highlighting indicates the coverage level with the most

members.
Chapter 3 Business Beginning FY 2001

114

SGLI Coverage by Coverage Level

Active Duty and Reserve Duty

Coverage Level

ACTIVE DUTY $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000

Number with Coverage 14,509 5,440 2,236 1,480 14,359 1,517 1,045

Percent with Coverage 1.03% 0.39% 0.16% 0.10% 1.02% 0.11% 0.07%

$80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000

Number with Coverage 1,236 589 82,692 1,842 3,134 1,142 535

Percent with Coverage 0.09% 0.04% 5.86% 0.13% 0.22% 0.08% 0.04%

$150,000 $160,000 $170,000 $180,000 $190,000 $200,000 TOTAL

Number with Coverage 12,573 682 511 893 527 1,264,499 1,411,441

Percent with Coverage 0.89% 0.05% 0.04% 0.06% 0.04% 89.59% 100.0%

Coverage Level

RESERVE DUTY $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000

Number with Coverage 18,362 5,350 1,842 958 20,845 853 612

Percent with Coverage 2.30% 0.67% 0.23% 0.12% 2.61% 0.11% 0.08%

$80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000

Number with Coverage 715 250 87,477 598 1,079 361 255

Percent with Coverage 0.09% 0.03% 10.94% 0.07% 0.13% 0.05% 0.03%

$150,000 $160,000 $170,000 $180,000 $190,000 $200,000 TOTAL

Number with Coverage 5,056 187 129 235 182 654,621 799,967

Percent with Coverage 0.63% 0.02% 0.02% 0.03% 0.02% 81.83% 100.0%

Table 39 – Chap. 3

Source: Payroll databases of each branch of service - September 2000 SGLI Monthly Premium Payment Reports
Chapter 3 Business Beginning FY 2001

115

7. HOME LOAN GUARANTY

a. Total Active Guaranteed Loans

This table shows the total number of active home loan guaranties at the beginning of fiscal

year 2001. The table also includes the total value and average value of the loans, as well as

the total value and average value of the VA guaranties on those loans.

Active Loans Based on Purchase Loan Versus Refinance Loans

Beginning of Fiscal Year 2001

Type of Loan Number

of

Loans

Percent

of

Total

Total

Loan Amount

Avg.

Loan

Amount

Total

Guaranty

Amount

Avg.

Guaranty

Amount

Avg.

Interest

Purchase Loans 2,283,172 73.2% $170,402,292,684 $74,634 $59,465,463,664 $26,045 8.22%

Refinance –

Interest Rate

726,971 23.3% $69,090,134,567 $95,038 $22,309,558,990 $30,688 7.38%

Refinance -

Other Reasons

108,597 3.5% $8,360,590,880 $76,987 $2,839,873,779 $26,151 8.40%

TOTAL 3,118,740 100.0% $247,853,018,131 $79,472 $84,614,896,433 $27,131 8.03%

Table 40 – Chap. 3

Source: LGY SAS file

b. Characteristics of Home Loan Guaranties

By Down-payment Option

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 down-payment” feature is

intended to help veterans afford to buy suitable homes. The following table shows the

distribution of active loan guaranties, sorted by whether or not the borrower made a down

payment.

Active Purchase Loans By Downpayment Status

Beginning of Fiscal Year 20011

Status Number

of Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

No Down-payment 1,404,858 85.2% $127,064,817,720 $90,447 $43,544,371,598 $30,996

Down-payment 243,596 14.8% $24,660,593,996 $101,236 $7,189,420,780 $29,514

TOTAL 1,648,454 100.0% $151,725,411,716 $92,041 $50,733,792,378 $30,777

Table 41 – Chap. 3

Source: LGY SAS file

1

 For loans made FY 1979 or later (Purchase Price used to determine downpayment N/A prior to FY 1979).
Chapter 3 Business Beginning FY 2001

116

By “First Time Buyer” Status

Distribution of active loan guaranties by “first time buyers.” A first time buyer is an eligible

person who used the loan guaranty to enter the home-buying market and purchase a

home for the first time.

Active Purchase Loans Based on Buyer Status

Beginning of Fiscal Year 20011

Buyer Status Number

of Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

First Time

Homeowner

616,903 54.2% $61,970,368,682 $100,454 $20,437,673,686 $33,129

Previous

Homeowner

521,525 45.8% $57,916,236,411 $111,052 $20,437,673,686 $39,188

TOTAL 1,138,428 100.0% $119,886,605,0931 $105,309 $40,875,347,372 $35,905

Table 42 – Chap. 3

Source: LGY SAS file

1

 First time buyer information not available prior to FY 1993.

c. Demographic Characteristics of All People with Active Guaranteed Loans

By Period of Service and Other Entitlement Criteria

The next table shows the distribution of active home loan guaranties at the beginning of

fiscal year 2001, sorted by the veteran’s period of service and other entitlement criteria.

Note: Brief definitions of the entitlement criteria may be found in Chapter 1. The

following table is divided into two parts:

• Veteran entitlement and

• Other entitlement categories.
Chapter 3 Business Beginning FY 2001

117

Active Home Loans By Period of Service (or Entitlement)

Beginning of Fiscal Year 2001

Entitlement Number

of Loans

Percent

of Grand

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

World War II 90,577 2.9% $4,014,470,958 $44,321 $1,638,186,235 $18,086

Post-World War II 3,193 0.1% $228,152,804 $71,454 $82,829,815 $25,941

Korean War 69,487 2.2% $3,585,676,964 $51,602 $1,377,458,852 $19,823

Post-Korean War 244,240 7.8% $11,577,933,346 $47,404 $4,533,771,080 $18,563

Vietnam Era 913,330 29.3% $55,249,890,655 $60,493 $20,655,802,355 $22,616

Post-Vietnam Era 543,786 17.4% $51,354,554,521 $94,439 $17,094,619,485 $31,436

Gulf War Era 233,659 7.5% $24,139,383,758 $103,310 $7,817,884,334 $33,459

Restored Entitlement 507,908 16.3% $53,416,153,422 $105,169 $16,425,360,368 $32,339

TOTAL 2,606,180 83.6% $203,566,216,428 $78,109 $69,625,912,524 $26,716

Service Personnel1 458,474 14.7% $38,574,166,982 $84,136 $13,209,589,342 $28,812

Reservists 45,887 1.5% $4,927,889,285 $107,392 $1,566,154,149 $34,131

Unremarried Survivor 7,951 0.3% $556,155,501 $69,948 $206,694,373 $25,996

Spouse of POW 151 0.0% $11,613,356 $76,910 $3,914,140 $25,921

TOTAL 512,463 16.4% $44,069,825,124 $85,996 $14,986,352,004 $29,244

GRAND TOTAL 3,118,643 100.0% $247,636,041,552 $79,405 $84,612,264,528 $27,131

Table 43 – Chap. 3

Source: LGY SAS file

1

 Based on when the loan was made.

By Age

The distribution of all active loan guaranties by age of the eligible person is shown in the

following table.

Active Home Loans Based On Age

Beginning of Fiscal Year 2001

Age Number

of Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

18 - 25 18,636 0.6% $1,638,129,800 $87,901 $579,724,423 $31,108

26 - 35 425,815 13.6% $43,341,349,804 $101,784 $14,136,457,601 $33,199

36 - 45 758,329 24.3% $75,196,398,518 $99,161 $24,456,349,265 $32,250

46 - 55 1,021,008 32.7% $75,441,276,781 $73,889 $26,286,901,827 $25,746

 56 - 65 538,968 17.3% $33,394,851,964 $61,961 $11,980,727,792 $22,229

Over 65 358,540 11.5% $18,893,895,191 $52,697 $7,205,998,287 $20,098

TOTAL1 3,121,296 100.0% $247,905,902,058 $79,424 $84,646,159,195 $27,119

 Average overall age: 49.6

Table 44 – Chap. 3

Source: LGY SAS file

1

 Includes direct loans sold and later guaranteed.
Chapter 3 Business Beginning FY 2001

118

By Race

The next table provides the distribution of active purchase loan guaranties by race.

Providing race information on the application is voluntary. Not all borrowers choose to

report their race. Consequently, the table is based on available information, which

describes 63 percent of the total number of records that have valid racial information.

Active Purchase Loans Based On Known Racial Codes

Beginning of Fiscal Year 2001

Race Number

of Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

White 2,049,398 79.4% $161,313,787,129 $78,713 $55,447,837,146 $27,056

Black 349,880 13.6% $27,126,773,585 $77,532 $9,447,109,364 $27,001

Hispanic 134,134 5.2% $10,542,871,247 $78,600 $3,633,268,069 $27,087

Native American 14,566 0.6% $1,280,531,210 $87,912 $426,412,338 $29,274

Asian 31,965 1.2% $3,477,718,997 $108,798 $1,039,125,928 $32,508

TOTAL 2,579,943 100.0% $203,741,682,168 $78,971 $69,993,752,845 $27,130

Table 45 – Chap. 3

Source: LGY SAS file

By Gender

Active Home Loans Based on Gender

Beginning of Fiscal Year 2001

Gender Number

of Loans

Percent

of

Total

Total Loan

Amount

Average

Loan

Amount

Total Guaranty

Amount

Average

Guaranty

Amount

Male 2,994,118 96.3% $232,569,356,435 $77,675 $80,311,455,157 $26,823

Female 116,637 3.7% $11,035,872,256 $94,617 $3,679,494,145 $31,547

TOTAL1 3,110,755 100.0% $243,605,228,691 $78,311 $83,990,949,302 $27,000

Table 46 – Chap. 3

Source: LGY SAS File

1

 Excludes 8,675 loans that did not contain gender information in the record.
Chapter 3 Business Beginning FY 2001

119

8. VOCATIONAL REHABILITATION AND EMPLOYMENT

a. VR&E Program Participants at the Beginning of Fiscal Year 2001

The following table shows the total number of eligible persons who are participants of the

Vocational Rehabilitation program at the beginning of fiscal year 2001.

Veterans Participating In

Vocational Rehabilitation Programs

Beginning Fiscal Year 2001

Program Number Percent

Service-connected Veterans (Chapter 31) 50,239 99.9%

Pension Recipients (Chapter 15) 7 <1%

Vietnam Veterans Children with Spina Bifida (Chapter 18) 35 <1%

Total 50,281 100.0%

Table 47 - Chap. 3

Sources: VR&E Program Management Reports (FY 2000) and Regional Office Reports

Note: The data shown in this section is a snapshot of the program activity as of the first day of

fiscal year 2001, 10/01/2000. Please refer to Chapter 2 for a description of each step, or case

status. The following shows the number of veterans who were in each status as of

10/01/2000:

Step 1: At the beginning of FY 2001, 6,792 veterans received services in the Applicant Status.

Step 2: At the beginning of FY 2001, 10,433 veterans received services in the Extended

Evaluation and Planning Status.

Step 2a: At the beginning of FY 2001, 789 veterans received services in the Extended

Evaluation Status.

Step 3: At the beginning of FY 2001, 1,546 veterans received services in Independent Living

Status.

Step 3a: At the beginning of FY 2001, 15,806 veterans received services in Rehabilitation to

the Point of Employability Status.

Step 4: At the beginning of FY 2001, 3,316 veterans received services in Employment Status.

Step 5: At the beginning of FY 2001, 0 veterans received services in Rehabilitation Status.

Step 5a: At the beginning of FY 2001, 11,557 veterans received services in Interrupted Status.
Chapter 3 Business Beginning FY 2001

120

b. Type of Occupational Goals and Training Activities of Veterans Who Participated in

a Training Program

The following tables provide information concerning the occupational goals and training

activities of veterans participating in vocational training at the beginning of fiscal year 2001.

By Occupational Goals

The table below shows occupational goals of veterans who participated in a training

program, sorted by vocation.

Veterans Participating In A Vocational Training Program

By Occupational Goal

Beginning Fiscal Year 2001

Total

Number

Percent

of Total

Number

of Male

Percent

of Total

Number

of

Female

Percent

of Total

Agricultural, Fishery and Forestry 70 0.2% 57 0.2% 13 0.2%

Benchwork 148 0.5% 138 0.6% 10 0.1%

Clerical 1,141 3.8% 750 3.2% 391 5.7%

Independent Living 283 0.9% 234 1.0% 49 0.7%

Machine Trades 494 1.6% 487 2.1% 7 0.1%

Miscellaneous 760 2.5% 622 2.7% 138 2.0%

Processing (Butcher, Meat Processor, etc) 20 0.1% 15 0.1% 5 0.1%

Professional, Technical, and Managerial 25,641 85.0% 19,567 84.0% 6,074 88.2%

Sales 166 0.6% 146 0.6% 20 0.3%

Service 570 1.9% 454 1.9% 116 1.7%

Structural (Building Trades) 694 2.3% 669 2.9% 25 0.4%

Unknown/Other 187 0.6% 150 0.6% 37 0.5%

Total 30,174 100% 23,289 100% 6,885 100%

Table 48 - Chap. 3

Source: VR&E Program Management Reports - Benefits Delivery Network - Data Warehouse

By Type of Training Activity:

This table reflects the various types of training activities among veterans who participated

in a training program.
Chapter 3 Business Beginning FY 2001

121

Veterans Participating In A Vocational Training Program

By Type of Training and Gender

Beginning Fiscal Year 2001

Type of Training Total

Number

Percent of

Total

Number of

Male

Percent of

Total

Number of

Female

Percent

of Total

Undergraduate 26,263 87.0% 20,015 85.9% 6,248 90.7%

Vocational/Technical 1,867 6.2% 1,626 7.0% 241 3.5%

Graduate 1,004 3.3% 724 3.1% 280 4.1%

College, Non-Degree 563 1.9% 491 2.1% 72 1.0%

Ext. Eval/ Individual Living 294 1.0% 267 1.1% 27 0.4%

On the Job 93 0.3% 89 0.4% 4 0.1%

Evaluation/Imp. Rehab Pot. 17 0.1% 14 0.1% 3 0.0%

High School 19 0.1% 16 0.1% 3 0.0%

Non/Nom Pay in Gov. 28 0.1% 23 0.1% 5 0.1%

Gov’t Work Experience 0 0.0% 0 0.0% 0 0.0%

Apprenticeship 20 0.1% 18 0.1% 2 0.0%

Farm Co-op 6 0.0% 6 0.0% 0 0.0%

Total 30,174 100% 23,289 100% 6,885 100%

Table 49 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits Delivery Network – Data Warehouse

c. Demographic Characteristics of Veterans Participating in a Training Program

The following table contains demographic information about veterans participating in a

vocational rehabilitation program at the beginning of fiscal year 2001.

By Combined Degree of Service-connected Disability

Veterans Participating In A Vocational Training Program

By Combined Degree of Disability

Beginning Fiscal Year 2001

Number Percent

0% 11 0.0%

10% 1,116 3.7%

20% 6,881 22.8%

30% 6,702 22.2%

40% 5,539 18.4%

50% 3,155 10.5%

60% 2,785 9.2%

70% 1,454 4.8%

80% 785 2.6%

90% 269 0.9%

100% 1,106 3.7%

Other 371 1.2%

Total 30,174 100%

Table 50 - Chap. 3

Source: VR&E Program Management Reports (2000)

Benefits Delivery Network – Data Warehouse
Chapter 3 Business Beginning FY 2001

122

By Serious Employment Handicap

A serious employment handicap is a significant impairment caused in part by a serviceconnected disability. This handicap affects the veteran’s ability to prepare for, obtain or

retain employment consistent with his/her abilities, aptitudes and interests.

Veterans Participating In A Vocational

Training Program With A Serious

Employment Handicap

Beginning Fiscal Year 2001

Total Participants 30,174

Number with Serious Employment Handicap 10,593

Percent with Serious Employment Handicap 35%

Table 51 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits Delivery Network – Data Warehouse

By Gender

Veterans Participating In A

Vocational Training Program

By Gender

Beginning Fiscal Year 2001

Female Male Total

Number 6,885 23,289 30,174

Percent 22.8% 77.2% 100%

Table 52 - Chap. 3

Source: VR&E Program Management Reports (2000)

Benefits Delivery Network – Data Warehouse

By Age

Veterans Participating In A Vocational Training Program

By Age

Beginning Fiscal Year 2001

Age

17-21

Age

22-29

Age

30-39

Age

40-49

Age

50-59

Age

>60

Total for All

Ages

Number 122 6,091 10,325 9.969 3.339 328 30,174

Percent 0.4% 20.2% 34.2% 33.0% 11.1% 1.1% 100%

Average Age for Veterans in Training Status: 45.7

Table 53 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits Delivery Network – Data Warehouse
Chapter 3 Business Beginning FY 2001

123

By Period of Service

Veterans Participating In A Vocational Training Program

By Period of Service

Beginning Fiscal Year 2001

World

War II

Post

World

War II1

Korean

War

Post

Korean

War1

Vietnam

Era

Post

Vietnam

Era1

Gulf War Total All

Service

Periods

Number 14 1 25 101 1,717 5,037 23,279 30,174

Percent 0.0% 0.0% 0.1% 0.3% 5.7% 16.7% 77.1% 100%

Table 54 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits delivery Network – Data Warehouse

1

These three periods are generally combined into “Peacetime” service in other sections of this report.

By Branch of Service

Veterans Participating In A Vocational Training Program

By Branch of Service

Beginning Fiscal Year 2001

Army1 Navy Air Force Marine

Corps

Coast

Guard

Other2 Total

Number 13,829 6,882 5,295 3,227 415 526 30,174

Percent 45.8% 22.8% 17.5% 10.7% 1.4% 1.7% 100%

Table 55 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits Delivery Network – Data Warehouse and Disability Compensation

Database

1

Army includes 1 from Women’s Army Corps

2

Other includes 1 from Public Health Service and 525 records with no branch of service data.

By Length of Service

Veterans Participating In A Vocational Training Program

By Length of Service

Beginning Fiscal Year 2001

Number Percent

3 Months or Less 172 0.6%

3-6 Months 380 1.3%

6 Months-2 Years 3,101 10.3%

2-4 Years 7,425 24.6%

4-10 Years 8,761 29.0%

10-15 Years 3,279 10.9%

15-20 Years 2,351 7.8%

20-30 Years 4,609 15.3%

Over 30 Years 96 .3%

Total 30,174 100%

Table 56 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits Delivery

Network Data Warehouse
Chapter 3 Business Beginning FY 2001

124

By Dependency Status

This table identifies dependency status for dependents of both single and married veteran

participants.

Veterans Participating In A Vocational Training Program

By Dependency Status

Beginning Fiscal Year 2001

Single Single with

Children

Married Married with

Children

Dependent

Parent(s)

Total1

Number 7,141 3,845 5,014 14,054 67 30,121

Percent 23.7% 12.8% 16.6% 46.7% 0.2% 100%

Table 57 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits Delivery Network – Data Warehouse

1

Does not include 53 veterans whose dependency status is unknown.

By Prior Education Level

This table reflects the distribution of veterans by level of education attained prior to

enrollment in a vocational training program.

Veterans Participating In A Vocational Training Program

By Prior Education Level

Beginning Fiscal Year 2001

Less Than

High School

High School Post High

School

Four Year

College

Degree

Graduate

Training

Total

Number 168 17,002 10,785 1,428 791 30,174

Percent 0.6% 56.3% 35.7% 4.7% 2.6% 100%

Table 58 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits Delivery Network – Data Warehouse

By Prior Use of VA Educational Benefits

This table reflects all program participants at the beginning of fiscal year 2001 who

previously used VA education benefits.

Veterans Participating In A

Vocational Training Program

By Prior Use of VA Benefits

Beginning Fiscal Year 2001

Prior Use No Prior Use Total

Number 9,712 20,462 30,174

Percent 32.2% 67.8% 100%

Table 59 - Chap. 3

Source: VR&E Program Management Reports (2000) – Benefits Delivery Network

Data Warehouse
CHAPTER 4

THE FUTURE – FORECASTING PROGRAM LIABILITIES

 Forecasting Program Liabilities

This chapter projects program usage and associated financial obligations of the government to

veterans and survivors, well beyond the current fiscal year. In conjunction with the preparation

of its financial statements for fiscal year 2000, VA estimates the liability for the future benefit

payments of the compensation program. This estimate is required in order to comply with

Statement of Federal Financial Accounting Standards Number 5: Accounting for Liabilities of

the Federal Government adopted by the Federal Accounting Standards Advisory Board

(FASAB).

Historically, each year the VA is dependent upon appropriations to fund their compensation

programs. This is unlike the Social Security program, for which the government maintains a

trust fund against “future liabilities.” In a broad sense, future liabilities are payments that the

government (or any entity) 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. The present value of these obligations

constitutes the company’s future liability.

Future liabilities are carefully constructed forecasts and, as applied in this report, are

conservatively drawn estimates. These estimates for long-term usage and costs provide a

baseline for VBA’s unfunded future liabilities. This “rational link” to the future of VBA programs

brings important factual information to long-term policy and management decision making in

both the Executive and Legislative branches of government.

The data presented in this chapter are drawn from a 2000 study1

. The study estimates the

VA’s liability as of the end of fiscal year 2000. While calculated information from the study is

presented in the Secretary’s report, this chapter details descriptions of the study’s

assumptions, parameters, and methods. It also gives projected compensation payments to

veterans and survivors for years 2001 through 2070. This period corresponds closely with that

used by the Office of the Chief Actuary of the Social Security Administration (which uses 75

years). The report addresses some of the estimated future liabilities (noted in last year’s

Annual Benefits Report) for the compensation programs only. Our attention to the

compensation programs in this report is based on the availability of adequate data and the

special significance of the disability and death benefit programs to veterans and the Nation.

 

1

 Department of Veterans Affairs, Compensation and Pension Program, Liability for Future Benefits as of September 30, 2000. Study dated November 12,

2000, prepared by Sam Gutterman, FSA, FCAS, MAAA, Hon FIA, PricewaterhouseCoopers LLP.
Chapter 4 The Future - Forecasting Program Liabilities

126

Liability for Future Compensation Benefits

The liability projections for the compensation program as of September 30, 2000, are shown

below. The total estimated future benefit payments of $2,155.3 billion ($2.1553 trillion)

represents the sum of the cash flows needed in future years to pay benefits. The total

program liability estimate of $542.9 billion represents the present value of these expected

future benefit payments of the program. The present value is calculated from the projected

cash flows and represents an estimate of the amount which, if invested now, would assure

that the government could cover projected future compensation payments.

Estimate of Compensation Program Liability as of September 30, 2000

Estimated Future

Benefits Payments*

Compensation Program

Liability**

Benefits to Veterans $1,756.3 billion $451.9 billion

Benefits to Survivors 399.0 billion 91.0 billion

Total $2,155.3 billion $542.9 billion

Table 1 – Chap. 4

*Compensation benefit estimates for the period fiscal years 2000-2069, excluding retroactive payments. See Table 2.

**Compensation program liability is an estimate of the amount of money which, if invested now, at current Treasury interest

 rates, would assure that government could provide for the projected future compensation payments. See Table 3.

The estimated liability for the compensation program is based on the present value of

expected future compensation benefit payments for:

• All veterans currently receiving benefits under these programs;

• All survivors currently receiving benefits under these programs;

• All future survivors of those veterans currently receiving benefit payments;

• All existing veterans not currently receiving benefit payments but who are expected

to in the future;

• All future survivors of existing veterans not currently receiving benefit payments but

who are expected to in the future; and

• A provision for those currently in active military service who will become veterans in

the future (and their survivors).

These estimates of the compensation liability reflect only current benefits and types of

disability. Benefits associated with types of exposures or significantly increased benefits that

may occur in the future (e.g., significant benefit amounts associated with Hepatitis C, diabetes

mellitus or smoking) are not reflected.

Key financial and actuarial elements associated with the development of this liability estimate

are provided in Tables 2 through 6.
Chapter 4 The Future - Forecasting Program Liabilities

127

TABLE 2 - Estimated Future Benefit Payments

Table 2 shows the expected total annual benefit payments for veterans and survivors through

fiscal year 2070 (70 years). Some noteworthy points from this table include:

• The 70-year projection period is comparable to the period used by the Office of the

Chief Actuary of the Social Security Administration (75 years).

• The source of cash flows necessary to pay these benefits is annual U.S. government

appropriations for the program.

• The highest annual compensation outlay for payments to service-connected disabled

veterans is $36.1 billion and is expected to occur in 2033 and is highlighted in yellow.

• The highest annual compensation outlay for payments to survivors of veterans whose

deaths are related to service is $6.6 billion and is expected to occur in 2047 and is

highlighted in yellow.

• The highest annual compensation outlay for combined payments is $42.2 billion and is

expected to occur in 2033 and is highlighted.

The model used to project the future benefit payments is based on estimates of:

• The number of beneficiaries expected to receive compensation during a fiscal year.

• Whether these beneficiaries will receive payments for a full fiscal year or part of a fiscal

year.

• The amount of benefits they will receive, excluding retroactive payments.

• The number of awards stopped during a fiscal year.

• Cost of living adjustments that will apply to future benefit payments.
Chapter 4 The Future - Forecasting Program Liabilities

128

Estimated Future Benefit Payments (Regular Monthly Benefits)

Fiscal Year Compensation

Veterans

Compensation

Survivors

Compensation

Veterans &

Survivors

2001 $15,396,010,966 $3,586,513,339 $18,982,524,305

2002 $16,189,700,239 $3,702,232,507 $19,891,932,746

2003 $16,966,587,459 $3,817,448,230 $20,784,035,689

2004 $17,760,288,034 $3,935,414,224 $21,695,702,258

2005 $18,559,882,648 $4,052,693,728 $22,612,576,376

2006 $19,362,079,975 $4,167,837,866 $23,529,917,841

2007 $20,166,328,454 $4,280,223,239 $24,446,551,693

2008 $20,972,181,674 $4,389,471,397 $25,361,653,071

2009 $21,779,064,642 $4,495,132,528 $26,274,197,170

2010 $22,586,210,009 $4,596,859,039 $27,183,069,048

***** ***** ***** *****

2015 $26,590,210,262 $5,040,924,163 $31,631,134,425

***** ***** ***** *****

2020 $30,422,681,281 $5,387,373,902 $35,810,055,183

***** ***** ***** *****

2025 $33,726,549,723 $5,677,044,035 $39,403,593,758

***** ***** ***** *****

2030 $35,769,072,778 $5,959,706,883 $41,728,779,661

***** ***** ***** *****

2033 $36,062,837,289 $6,127,489,092 $42,190,326,381

***** ***** ***** *****

2035 $35,821,843,384 $6,235,653,116 $42,057,496,500

***** ***** ***** *****

2040 $33,875,043,946 $6,463,444,615 $40,338,488,561

***** ***** ***** *****

2045 $30,498,796,529 $6,589,473,420 $37,088,269,949

***** ***** ***** *****

2047 $28,826,462,291 $6,605,093,994 $35,431,556,285

***** ***** ***** *****

2050 $25,999,489,110 $6,587,225,055 $32,586,714,165

***** ***** ***** *****

2055 $20,834,813,571 $6,457,462,041 $27,292,275,612

***** ***** ***** *****

2060 $15,533,565,323 $6,210,423,913 $21,743,989,236

***** ***** ***** *****

2065 $10,600,726,059 $5,846,271,927 $16,446,997,986

***** ***** ***** *****

2070 $6,695,857,575 $5,374,423,898 $12,070,281,473

Total $1,756,314,998,349 $399,018,687,061 $2,155,333,685,410

Table 2 – Chap. 4

Source: Compensation and Pension Program Liability for Future Benefits as of September 30, 2000 -

 PricewaterhouseCoopers LLP, Table 2
Chapter 4 The Future - Forecasting Program Liabilities

129

TABLE 3 - Discounted Estimated Future Compensation Payments

Table 3 shows the expected future compensation payments from Table 1 discounted at

current U.S. Treasury interest rates. The present value of the total projected future liability for

compensation is $542.9 billion. This figure is calculated by totaling the discounted values of

projected future cash flows. It represents the estimated amount which, if invested now, would

assure that the government could cover the projected future compensation payments shown in

Table 2 ($2.2 trillion). Factors to consider when viewing Table 3 include:

• This method of selecting discount rates was used because VA does not hold specific

assets (which might carry a different rate of return) to support future obligations.

• Under current law, the benefit payments will be made from future general revenues of

the U.S. government each year.

• As a result of using current interest rates (which are likely to vary from year to year), the

liability estimates may vary considerably from year to year.

• As these rates fluctuate in the future, the value of the liability will fluctuate accordingly

(the higher the interest rates, the smaller the present value of the liability).

Table 3 includes estimates of expected compensation payments after the 70-year period, as

well as estimates of retroactive benefits. Retroactive benefits are paid when:

• A veteran is entitled to compensation for any month(s) earlier than the month in which

VA starts his/her award

• A veteran already receiving compensation is found entitled to increased benefits for

past months
Chapter 4 The Future - Forecasting Program Liabilities

130

Discounted Estimated Future Benefit Payments

Fiscal Year Compensation

Veterans

Compensation

Survivors

Compensation Veterans &

Survivors

2001 $14,934,216,360 $3,478,937,908 $18,413,154,268

2002 $14,829,495,820 $3,391,183,325 $18,220,679,145

2003 $14,685,655,523 $3,304,243,108 $17,989,898,631

2004 $14,534,025,353 $3,220,522,663 $17,754,548,016

2005 $14,361,156,587 $3,135,869,463 $17,497,026,050

2006 $14,148,193,397 $3,045,508,346 $17,193,701,743

2007 $13,884,701,392 $2,946,972,807 $16,831,674,199

2008 $13,635,391,401 $2,853,883,371 $16,489,274,772

2009 $13,416,641,279 $2,769,153,847 $16,185,795,126

2010 $13,194,249,363 $2,685,359,979 $15,879,609,342

***** ***** ***** *****

2015 $11,503,950,156 $2,180,898,148 $13,684,848,304

***** ***** ***** *****

2020 $9,564,670,657 $1,693,751,336 $11,258,421,993

***** ***** ***** *****

2025 $8,057,897,177 $1,356,350,930 $9,414,248,107

***** ***** ***** *****

2030 $6,606,694,644 $1,100,782,338 $7,707,476,982

***** ***** ***** *****

2035 $4,989,617,510 $868,562,894 $5,858,180,404

***** ***** ***** *****

2040 $3,545,924,860 $676,571,490 $4,222,496,350

***** ***** ***** *****

2045 $2,399,179,272 $518,359,078 $2,917,538,350

***** ***** ***** *****

2050 $1,537,004,535 $389,415,144 $1,926,419,679

***** ***** ***** *****

2055 $925,614,801 $286,881,494 $1,212,496,295

***** ***** ***** *****

2060 $518,611,516 $207,344,373 $725,955,889

***** ***** ***** *****

2065 $265,972,636 $146,683,194 $412,655,830

***** ***** ***** *****

 2070 & later $634,895,880 $801,420,859 $1,436,316,739

Total Regular $418,037,844,763 $84,175,180,062 $502,213,024,825

Retroactive $33,861,065,426 $6,818,189,585 $40,679,255,011

Total $451,898,910,189 $90,993,369,647 $542,892,279,836

Table 3 – Chap. 4

Source: Compensation and Pension Program Liability for Future Benefits as of September 30, 2000 –

PricewaterhouseCoopers LLP, Table 1

TABLE 4 - Veterans Receiving Compensation

Table 4 shows the total number of veterans receiving compensation payments (2,308,187)

and their average monthly benefits, sorted by age and gender, at the end of fiscal year 2000.
Chapter 4 The Future - Forecasting Program Liabilities

131

In the table below, the highest number of male and female veterans by age category is

highlighted in yellow.

Veterans Receiving Compensation as of September 30, 2000

Number of Veterans Average Monthly

Benefit

Number of

Veterans

Average Monthly

Benefit

Age Males Females Males Females Age Males Females Males Females

17 - - $200.00 $200.00 60 28,585 472 $565.01 $720.77

18 6 3 $150.50 $128.00 61 26,881 393 $545.34 $732.89

19 64 48 $313.41 $190.67 62 27,196 372 $544.25 $717.44

20 257 162 $225.62 $237.23 63 27,690 320 $551.17 $684.72

21 750 386 $328.51 $256.98 64 28,628 352 $541.82 $661.63

22 1,613 713 $292.69 $267.32 65 29,101 309 $552.31 $736.29

23 3,083 1,125 $278.99 $273.93 66 30,298 321 $545.53 $692.88

24 4,522 1,470 $271.82 $302.57 67 33,384 328 $556.80 $650.02

25 6,173 1,866 $269.86 $319.64 68 39,492 338 $573.77 $643.05

26 8,144 2,227 $277.31 $290.81 69 39,928 335 $568.49 $653.91

27 9,484 2,430 $286.60 $327.71 70 40,496 312 $569.80 $678.38

28 12,129 2,787 $293.85 $321.37 71 36,253 290 $565.39 $666.92

29 15,164 3,442 $300.55 $325.50 72 32,623 259 $552.69 $569.24

30 17,070 3,542 $314.38 $323.90 73 29,013 231 $539.07 $642.67

31 17,139 3,439 $323.71 $358.22 74 38,739 232 $502.73 $665.79

32 16,830 3,288 $347.50 $373.11 75 57,924 290 $517.25 $495.71

33 16,902 3,377 $359.32 $388.13 76 61,597 645 $527.11 $585.87

34 16,876 3,158 $375.39 $434.03 77 57,411 801 $521.95 $480.63

35 17,662 3,434 $397.03 $454.96 78 56,795 838 $524.95 $498.62

36 18,628 3,497 $406.08 $473.03 79 54,566 767 $523.85 $456.21

37 18,633 3,574 $429.69 $479.09 80 46,773 673 $523.74 $468.51

38 19,599 3,604 $455.16 $517.06 81 41,485 486 $517.81 $479.23

39 22,044 3,960 $456.54 $534.95 82 35,472 413 $508.35 $571.23

40 24,836 4,146 $466.68 $528.77 83 26,224 353 $489.51 $499.32

41 28,189 4,230 $466.62 $550.40 84 20,204 292 $490.67 $509.98

42 30,095 4,247 $465.00 $557.89 85 15,418 258 $479.08 $473.24

43 32,744 4,273 $466.47 $571.39 86 11,766 205 $479.79 $506.42

44 34,478 4,568 $465.83 $568.26 87 8,458 192 $463.97 $502.29

45 36,206 4,680 $469.49 $598.72 88 6,225 148 $457.41 $494.02

46 37,581 4,415 $476.14 $636.22 89 4,471 103 $445.04 $465.90

47 38,689 4,021 $491.21 $634.07 90 3,255 91 $463.99 $452.00

48 42,075 3,656 $505.41 $652.68 91 2,220 78 $445.86 $501.73

49 46,106 3,085 $566.03 $636.05 92 1,578 50 $460.88 $447.56

50 58,810 2,770 $637.69 $657.17 93 1,130 39 $440.50 $411.23

51 77,297 2,308 $664.16 $679.77 94 671 31 $433.98 $725.81

52 88,786 1,937 $669.49 $692.65 95 378 18 $521.61 $483.94

53 91,492 1,710 $662.49 $703.12 96 138 22 $406.12 $512.18

54 72,677 1,361 $634.57 $726.17 97 81 7 $579.28 $492.00

55 50,475 976 $629.25 $721.55 98 65 13 $369.37 $550.08

56 43,650 788 $602.93 $744.98 99 45 6 $613.38 $367.33

57 41,159 749 $589.40 $767.84 100 36 3 $415.32 $762.33

58 37,328 630 $574.00 $718.49 101 + 143 5 $721.26 $319.20

59 31,569 522 $570.26 $752.15 Unknown 42 - $256.36 $ -

Total/Average 2,189,892 118,295 $534.27 $516.69

Table 4 – Chap. 4

Source: Compensation and Pension Program Liability for Future Benefits as of September 30, 2000 -

 PricewaterhouseCoopers LLP, Table 9
Chapter 4 The Future - Forecasting Program Liabilities

132

TABLE 5 - Death Rates

Table 5 presents a comparison between death rates in the general U.S. population (as

reported in the 1989-91 U.S. Life Tables) and those in veterans receiving compensation. The

death rates shown are for ages 40 to 80. The majority of veterans receiving compensation are

in this age group.

The death rates are shown as percentages by age. For example, the age 40 male death rate

of 0.32% means that this percentage of males in the general population are likely to die during

this one-year period. Death rate factors and forecasting future liability are used as follows:

• Death rates were developed based on compensation program experience for fiscal

years 1995 through 2000. In earlier years, death rates for the Service-Disabled

Veterans Life (SDVI) insurance program were used. The SDVI death rates were

significantly higher than those based on actual compensation program experience.

• Death rates for the male compensation group slightly exceed those in the general male

population for the ages under 70, but are actually lower at the oldest ages.

• Death rates for the female compensation group exceed those of the general population

at all ages. However, significantly less experience is available for calculating death

rates among female veterans.

• Projected mortality in veterans receiving compensation reflects an assumed annual rate

of improvement (decline in the mortality rate) of one percent (e.g., a one percent

improvement in the .32% rate would improve to 99 percent of .32%, or .31%).

• The greater the mortality decline, the larger the liability for the compensation program,

because more beneficiaries will live to collect benefits for a longer period.
Chapter 4 The Future - Forecasting Program Liabilities

133

Death Rates

1989-1991 U.S. Life

Tables (All Races)

 Veterans Compensation

FY 1995-00 Experience

Age Males Females Males Females

40 0.32% 0.14% 0.43% 0.25%

41 0.33% 0.15% 0.44% 0.27%

42 0.34% 0.17% 0.46% 0.30%

43 0.37% 0.18% 0.49% 0.30%

44 0.39% 0.20% 0.53% 0.31%

45 0.42% 0.22% 0.56% 0.32%

46 0.46% 0.24% 0.60% 0.32%

47 0.50% 0.27% 0.64% 0.33%

48 0.54% 0.30% 0.69% 0.36%

49 0.58% 0.32% 0.73% 0.40%

50 0.63% 0.36% 0.78% 0.44%

51 0.69% 0.39% 0.83% 0.48%

52 0.76% 0.43% 0.88% 0.52%

53 0.83% 0.48% 0.95% 0.58%

54 0.91% 0.52% 1.03% 0.63%

55 1.00% 0.57% 1.11% 0.70%

56 1.09% 0.62% 1.19% 0.77%

57 1.20% 0.68% 1.28% 0.85%

58 1.32% 0.75% 1.39% 0.94%

59 1.46% 0.82% 1.50% 1.04%

60 1.59% 0.90% 1.62% 1.15%

61 1.73% 0.97% 1.75% 1.27%

62 1.88% 1.06% 1.89% 1.40%

63 2.04% 1.15% 2.06% 1.48%

64 2.21% 1.24% 2.26% 1.55%

65 2.40% 1.35% 2.47% 1.63%

66 2.59% 1.46% 2.70% 1.72%

67 2.79% 1.57% 2.96% 1.81%

68 3.03% 1.71% 3.15% 1.98%

69 3.30% 1.87% 3.36% 2.16%

70 3.61% 2.04% 3.58% 2.36%

71 3.95% 2.24% 3.82% 2.58%

72 4.31% 2.46% 4.07% 2.82%

73 4.69% 2.69% 4.39% 3.09%

74 5.08% 2.93% 4.73% 3.38%

75 5.49% 3.18% 5.10% 3.69%

76 5.94% 3.46% 5.50% 4.04%

77 6.43% 3.77% 5.93% 4.42%

78 6.97% 4.15% 6.46% 4.79%

79 7.58% 4.60% 7.04% 5.18%

80 8.28% 5.11% 7.67% 5.61%

Table 5 – Chap. 4

Source: Compensation and Pension Program Liability for Future Benefits as of September 30, 2000 -

PricewaterhouseCoopers LLP, Table 11
Chapter 4 The Future - Forecasting Program Liabilities

134

TABLE 6 - Rates of Newly Adjudicated Compensation Cases

The following two tables provide information about newly adjudicated disability compensation

awards to veterans. In this table, the term “newly adjudicated” cases includes both initial firsttime awards and subsequent award actions.

Table 6A shows the projected number of newly adjudicated compensation awards, (based

upon 2000 data) in total and sorted by age and gender, for fiscal year 2001. These

projections come directly from the model used to estimate future liability. The projected total

of 77,638 newly adjudicated awards corresponds with the fiscal year 2001 estimate of new

compensation cases shown in Table 4 of the PricewaterhouseCoopers LLP study.

Approximately 1.1 million new awards are projected over the entire 70-year period through

fiscal year 2070 (also shown in Table 4).

Table 6B presents the rates of disability compensation awards as percentages. The

percentages are then used to project number of newly adjudicated awards. For example, the

age 25 male disability rate of 2.26% is the percentage of male veterans who are likely to

receive a new compensation award during a one-year period.

The following factors regarding rates and data should be considered:

• Rates of newly adjudicated awards were developed based on compensation program

experience for fiscal years 1995 through 2000.

• Data were not explicitly available by individual age and gender. The values were

derived indirectly from the in-force and termination data that were available.

• Rates of new awards were then developed by dividing the number of new entrants by

the number of living veterans not currently receiving compensation.

• These rates were then applied to the veteran population to arrive at estimates of new

compensation awards for fiscal year 2001 and for future years.
Chapter 4 The Future - Forecasting Program Liabilities

135

Projected FY 2001 Newly Adjudicated Compensation Cases for Veterans

Age Males Females Combined Age Males Females Combined

17 0 0 0 57 947 24 971

18 15 3 18 58 869 19 888

19 42 10 52 59 697 15 712

20 93 19 112 60 613 12 625

21 281 46 327 61 571 10 581

22 703 98 801 62 515 8 523

23 1,172 154 1326 63 529 7 536

24 1,446 197 1643 64 523 6 529

25 1,436 217 1653 65 532 5 537

26 1,347 232 1579 66 560 5 565

27 1,250 260 1510 67 595 5 600

28 1,192 265 1457 68 624 4 628

29 1,182 272 1454 69 584 4 588

30 1.216 274 1490 70 578 3 581

31 1,229 282 1511 71 528 3 531

32 1,136 264 1400 72 470 2 472

33 1,158 265 1423 73 587 2 589

34 1,154 263 1417 74 669 2 671

35 1,136 258 1394 75 699 2 701

36 1,181 267 1448 76 717 5 722

37 1,164 266 1430 77 703 7 710

38 1,356 304 1660 78 670 6 676

39 1,531 342 1873 79 637 5 642

40 1,771 398 2169 80 575 4 579

41 2,122 441 2563 81 488 2 490

42 2,295 446 2741 82 394 1 395

43 2,129 429 2558 83 257 1 258

44 1,934 411 2345 84 154 1 155

45 1,697 372 2069 85 81 1 82

46 1,492 330 1822 86 30 2 32

47 1,278 276 1554 87 42 2 44

48 1,406 209 1615 88 29 1 30

49 1,394 162 1556 89 20 1 21

50 1,621 136 1757 90 13 0 13

51 1,968 110 2078 91 8 0 8

52 2,098 82 2180 92 5 0 5

53 2,187 69 2256 93 3 0 3

54 2,061 56 2117 94 2 0 2

55 1,391 35 1426 95 1 0 1

56 1,129 29 1158 96 0 0 0

Total 68,912 8,726 77,638

Table 6A – Chap. 4

Source: Compensation and Pension Program Liability for Future Benefits as of September 30, 2000 -

 PricewaterhouseCoopers LLP
Chapter 4 The Future - Forecasting Program Liabilities

136

Rates of Newly Adjudicated Compensation Cases for Veterans

Age Males Females Age Males Females

17 4.00% 5.00% 57 0.20% 0.20%

18 4.00% 5.00% 58 0.18% 0.16%

19 4.00% 5.00% 59 0.17% 0.14%

20 4.00% 5.00% 60 0.15% 0.11%

21 4.00% 5.00% 61 0.14% 0.10%

22 4.00% 5.00% 62 0.13% 0.08%

23 3.31% 4.42% 63 0.13% 0.07%

24 2.74% 3.91% 64 0.13% 0.06%

25 2.26% 3.46% 65 0.13% 0.06%

26 1.87% 3.06% 66 0.13% 0.05%

27 1.55% 2.71% 67 0.13% 0.04%

28 1.32% 2.30% 68 0.13% 0.04%

29 1.13% 1.95% 69 0.12% 0.03%

30 0.96% 1.65% 70 0.12% 0.03%

31 0.82% 1.40% 71 0.11% 0.03%

32 0.70% 1.18% 72 0.11% 0.02%

33 0.67% 1.13% 73 0.12% 0.02%

34 0.64% 1.07% 74 0.13% 0.02%

35 0.61% 1.02% 75 0.14% 0.03%

36 0.59% 0.97% 76 0.16% 0.03%

37 0.56% 0.93% 77 0.17% 0.03%

38 0.62% 1.00% 78 0.17% 0.02%

39 0.69% 1.08% 79 0.18% 0.02%

40 0.76% 1.16% 80 0.18% 0.02%

41 0.84% 1.26% 81 0.18% 0.01%

42 0.92% 1.35% 82 0.18% 0.01%

43 0.80% 1.28% 83 0.14% 0.01%

44 0.69% 1.22% 84 0.11% 0.02%

45 0.59% 1.15% 85 0.07% 0.02%

46 0.51% 1.09% 86 0.04% 0.03%

47 0.44% 1.04% 87 0.07% 0.03%

48 0.43% 0.89% 88 0.06% 0.03%

49 0.41% 0.77% 89 0.06% 0.02%

50 0.40% 0.66% 90 0.05% 0.01%

51 0.39% 0.57% 91 0.04% 0.01%

52 0.38% 0.49% 92 0.04% 0.00%

53 0.33% 0.41% 93 0.03% 0.00%

54 0.29% 0.34% 94 0.02% 0.00%

55 0.26% 0.28% 95 0.01% 0.00%

56 0.23% 0.24% 96 0.01% 0.00%

Table 6B – Chap. 4

Source: Compensation and Pension Program Liability for Future Benefits as of September 30, 2000 -

 PricewaterhouseCoopers LLP, Table 13
THIS APPENDIX PROVIDES DATA BY STATE

GEOGRAPHIC DISTRIBUTION OF BENEFITS
Appendix A Geographic Distribution of Data

138

Estimated Veteran Population by State FY 2000

(In Ascending Order)

Dist. Of Columbia 48,000

Wyoming 53,000

North Dakota 57,000

Vermont 59,000

Alaska 68,000

South Dakota 77,000

Delaware 78,000

Rhode Island 95,000

Hawaii 103,000

Montana 107,000

Idaho 124,000

Utah 134,000

New Hampshire 135,000

Maine 154,000

Nebraska 158,000

New Mexico 187,000

West Virginia 203,000

Nevada 229,000

Kansas 248,000

Mississippi 250,000

Iowa 268,000

Arkansas 281,000

Connecticut 283,000

Oregon 368,000

Kentucky 372,000

Oklahoma 373,000

Louisiana 390,000

Colorado 410,000

South Carolina 412,000

Minnesota 430,000

Alabama 460,000

Wisconsin 488,000

Maryland 497,000

Arizona 509,000

Massachusetts 543,000

Tennessee 543,000

Indiana 567,000

Missouri 569,000

Washington 619,000

New Jersey 634,000

Virginia 714,000

North Carolina 768,000

Georgia 769,000

Michigan 901,000

Illinois 945,000

Ohio 1,126,000

Pennsylvania 1,235,000

New York 1,326,000

Texas 1,720,000

Florida 1,771,000

California 2,368,000

US Total 25,229,000

Source: http://vaww.va.gov.data/htm – Geographic Distribution of VA Expenditures Report

Veteran Population for FY 2000
Appendix A Geographic Distribution of Data

139

ND

57,000 MN

430,000

IA

268,000

 WA

619,000

 CA

2,368,000

 MT

107,000

 OR

368,000 ID

124,000

 NV

229,000 UT

134,000

AZ

509,000

AK

68,000

 WY

53,000

CO

410,000

NM

187,000

SD

77,000

NE

158,000

KS

248,000

OK

373,000

 TX

1,720,000

HI

103,000 48,000 - 95,000

103,000 - 283,000

368,000 - 569,000

619,000 - 945,000

1,126,000 - 2,368,000

 MO

569,000

 AR

281,000

LA

390,000

 WI

488,000

 IL

945,000

 IN

567,000

 MI

901,000

 KY

372,000

 TN

543,000

 MS

250,000

 AL

460,000

 GA

769,000

 FL

1,771,000

 SC

412,000

 NC

768,000

 OH

1,126,000

 PA

1,235,000

 NY

1,326,000

 ME

154,000

 VA

714,000

 WV

203,000

 NH

135,000

 VT

59,000

 MA

 543,000

 RI

95,000

 CT

283,000

 NJ

634,000

 DE

78,000

 MD

497,000

DC

48,000

Legend

Year 2000 Veteran Population

YEAR 2000

Veteran Population Estimate
Appendix A Geographic Distribution of Data

140

 Compensation Recipients By State of Residence

Beginning Fiscal Year 2001 (In Ascending Order)

District of Columbia (DC) 4,544

Vermont 4,871

Wyoming 5,196

North Dakota 5,650

Delaware 6,814

South Dakota 8,173

Alaska 9,707

Rhode Island 10,045

Montana 10,749

Hawaii 11,493

Idaho 12,340

Utah 12,919

New Hampshire 13,550

Nebraska 15,829

Maine 16,673

Iowa 18,280

West Virginia 18,877

Connecticut 20,448

Nevada 20,907

New Mexico 21,279

Kansas 21,705

Mississippi 24,171

Arkansas 29,560

Oregon 31,792

Louisiana 33,455

Kentucky 34,778

Minnesota 35,395

Indiana 38,717

Wisconsin 38,997

South Carolina 39,973

Maryland 41,538

Missouri 42,056

Colorado 42,772

Oklahoma 42,795

Alabama 49,269

Tennessee 49,674

Arizona 49,695

New Jersey 50,707

Illinois 55,037

Massachusetts 59,205

Michigan 60,826

Washington 72,290

Georgia 76,164

North Carolina 77,865

Virginia 79,545

Ohio 81,895

Pennsylvania 90,402

New York 106,800

Texas 179,879

Florida 187,604

California 197,936

United States TOTAL 2,270,841

Philippines 5,780

Puerto Rico 18,500

All Other US Possessions & Foreign Countries 13,065

Total Compensation Recipients 2,308,186

Source: Benefits Delivery Network – RCS 20-0237
Appendix A Geographic Distribution of Data

141

ND

5,650 MN

35,395

IA

18,280

 WA

72,290

 CA

197,936

 MT

10,749

 OR

31,792 ID

12,340

 NV

20,907 UT

12,919

AZ

49,695

AK

9,707

 WY

5,196

CO

42,772

NM

21,279

SD

8,173

NE

15,829

KS

21,705

OK

42,795

 TX

179,879

HI

11,493 4,544 - 16,673

16,674 - 35,395

35,396 - 60,826

60,827 - 106,800

106,801 - 197,936

 MO

42,056

 AR

29,560

LA

33,455

 WI

38,997

 IL

55,037

 IN

38,717

 MI

60,826

 KY

34,778

 TN

49,674

 MS

24,171

 AL

49,269

 GA

76,164

 FL

187,604

 SC

39,973

 NC

77,865

 OH

81,895

 PA

90,402

 NY

106,800

 ME

16,673

 VA

79,545

 WV

18,877

 NH

13,550

 VT

4,871

 MA

 59,205

 RI

10,045

 CT

20,448

 NJ

50,707

 DE

6,814

 MD

41,538

DC

4,544

Legend

Compensation Recipients

COMPENSATION RECIPIENTS 

BY STATE OF RESIDENCE

BEGINNING FY 2001

(United States Total - 2,270,841)
Appendix A Geographic Distribution of Data

142

Projected Compensation Cost Based on State of Residence

Monthly Value Beginning FY 2001 and Projected FY 2001

Residence Monthly Value

Beginning FY 2001

Projected Annual

Value FY 2001

District of Columbia (DC) $2,432,036 $29,184,432

Wyoming $2,780,222 $33,362,664

North Dakota $2,783,931 $33,407,172

Vermont $2,920,935 $35,051,220

Delaware $3,329,118 $39,949,416

South Dakota $4,622,544 $55,470,528

Alaska $5,391,147 $64,693,764

Rhode Island $5,520,894 $66,250,728

Montana $6,229,825 $74,757,900

Hawaii $6,303,899 $75,646,788

Utah $6,580,545 $78,966,540

Idaho $6,622,391 $79,468,692

New Hampshire $7,530,716 $90,368,592

Nebraska $9,291,172 $111,494,064

Iowa $9,462,646 $113,551,752

Connecticut $9,628,151 $115,537,812

Nevada $10,299,774 $123,597,288

Kansas $10,814,547 $129,774,564

Maine $12,202,328 $146,427,936

West Virginia $12,908,746 $154,904,952

New Mexico $13,974,647 $167,695,764

Mississippi $15,004,971 $180,059,652

Minnesota $18,529,467 $222,353,604

Louisiana $18,804,898 $225,658,776

Indiana $18,827,086 $225,925,032

Oregon $19,495,488 $233,945,856

Kentucky $19,677,764 $236,133,168

Maryland $20,230,656 $242,767,872

Wisconsin $20,618,368 $247,420,416

Arkansas $20,739,461 $248,873,532

South Carolina $21,102,956 $253,235,472

Colorado $21,739,350 $260,872,200

Missouri $22,730,742 $272,768,904

New Jersey $23,464,563 $281,574,756

Alabama $24,537,778 $294,453,336

Illinois $24,904,830 $298,857,960

Arizona $27,505,523 $330,066,276

Michigan $28,072,437 $336,869,244

Tennessee $28,126,531 $337,518,372

Oklahoma $29,085,785 $349,029,420

Massachusetts $30,013,102 $360,157,224

Georgia $38,413,555 $460,962,660

Ohio $38,536,744 $462,440,928

Virginia $39,327,348 $471,928,176

Washington $39,762,767 $477,153,204

North Carolina $42,689,504 $512,274,048

Pennsylvania $45,731,855 $548,782,260

New York $53,431,487 $641,177,844

Texas $98,798,932 $1,185,587,184

California $99,979,484 $1,199,753,808

Florida $104,025,311 $1,248,303,732

United States TOTAL $1,205,538,957 $14,466,467,484

Philippines $3,231,226 $38,774,712

Puerto Rico $16,042,356 $192,508,272

All Other US Possessions & Foreign Countries $6,302,656 $75,631,872

Total Compensation $1,231,115,195 $14,773,382,340

Source: Benefits Delivery Network - RCS 20-0237
Appendix A Geographic Distribution of Data

143

ND

$33.4 MN

$222.4

IA

$113.6

WA

$477.2

CA

$1,199.8

MT

$74.8

OR

$233.9 ID

$79.5

NV

$123.6 UT

$79.0

AZ

$330.1

AK

$64.7

WY

$33.4

CO

$260.9

NM

$167.7

SD

$55.5

NE

$111.5

KS

$129.8

OK

$349.0

TX

$1,185.6

HI

$75.6 $29.2 - $90.4

$90.4 - $180.1

$180.1 - $360.2

$360.2 - $641.2

$641.2 - $1,248.3

MO

$272.8

AR

$248.9

LA

$225.7

WI

$247.4

IL

$298.9

 IN

$225.9

 MI

 $336.9

 KY

$236.1

 TN

$337.5

 MS

$180.1

AL

 $294.5

 GA

$461.0

 FL

$1,248.3

SC

$253.2

 NC

$512.3

OH

$462.4

PA

$548.8

 NY

 $641.2

 ME

$146.4

 VA

$471.9

 WV

$154.9

NH

$90.4

VT

$35.1

 MA

 $360.2

 RI

$66.3

 CT

$115.5

NJ

$281.6

 DE

$39.9

 MD

$242.8

DC

$29.2

Legend

Compensation Dollars

(in millions)

PROJECTED COMPENSATION COST 

BY STATE FOR FY 2001

(In Millions)
Appendix A Geographic Distribution of Data

144

Projected Average Disability Compensation Benefit

Per Veteran Beneficiary by State of Residence for FY 2001

Illinois $5,430

Michigan $5,538

New Jersey $5,553

Ohio $5,647

Connecticut $5,650

Indiana $5,835

Maryland $5,844

Delaware $5,863

Nevada $5,912

North Dakota $5,913

Virginia $5,933

Alabama $5,976

Kansas $5,979

New York $6,004

Georgia $6,052

California $6,061

Pennsylvania $6,070

Massachusetts $6,083

Colorado $6,099

Utah $6,112

Iowa $6,212

Minnesota $6,282

South Carolina $6,335

Wisconsin $6,345

Wyoming $6,421

District of Columbia $6,423

Idaho $6,440

Missouri $6,486

North Carolina $6,579

Hawaii $6,582

Texas $6,591

Rhode Island $6,595

Washington $6,601

Arizona $6,642

Florida $6,654

Alaska $6,665

New Hampshire $6,669

Louisiana $6,745

South Dakota $6,787

Kentucky $6,790

Tennessee $6,795

Montana $6,955

Nebraska $7,044

Vermont $7,196

Oregon $7,359

Mississippi $7,449

New Mexico $7,881

Oklahoma $8,156

West Virginia $8,206

Arkansas $8,419

Maine $8,782

Source: Benefits Delivery Network - RCS 20-0237
Appendix A Geographic Distribution of Data

145

ND

$5,913 MN

$6,282

IA

$6,212

WA

$6,601

CA

$6,061

MT

$6,955

OR

$7,359 ID

$6,440

NV

$5,912 UT

$6,112

AZ

$6,642

AK

$6,665

WY

$6,421

CO

$6,099

NM

$7,881

SD

$6,787

NE

$7,044

KS

$5,979

OK

$8,156

TX

$6,591

HI

$6,582 $5,430 - $5,650

$5,651 - $6,282

$6,283 - $6,795

$6,796 - $7,449

$7,450 - $8,782

MO

$6,486

AR

$8,419

LA

$6,745

WI

$6,345

IL

$5,430

 IN

$5,835

 MI

 $5,538

 KY

$6,790

 TN

$6,795

 MS

$7,449

AL

 $5,976

 GA

$6,052

 FL

$6,654

SC

$6,335

 NC

$6,579

OH

$5,647

PA

$6,070

 NY

 $6,004

 ME

$8,782

 VA

$5,933

 WV

$8,206

NH

$6,669

VT

$7,196

 MA

 $6,083

 RI

$6,595

 CT

$5,650

NJ

$5,553

 DE

$5,863

 MD

$5,844

DC

$6,423

Legend

Average Dollars

PROJECTED AVERAGE DISABILITY COMPENSTAION 

PER VETERAN BENEFICIARY PER STATE

DURING FY 2000
Appendix A Geographic Distribution of Data

146

COMPENSATION RECIPIENTS BY RESIDENCE BASED ON COMBINED DEGREE

END OF FY 2000/BEGINNING OF FY 2001

Residence 0% 10% 20% 30% 40% 50%

Alabama 292 17,762 8,499 6,833 4,522 2,652

Alaska 50 2,642 1,587 1,279 1,067 777

Arizona 370 17,950 8,136 6,568 4,173 2,377

Arkansas 165 8,395 4,336 3,890 2,714 1,742

California 2,197 75,598 32,398 26,659 16,265 9,377

Colorado 276 15,379 7,344 5,819 3,856 2,187

Connecticut 211 8,528 3,205 2,536 1,488 941

Delaware 53 2,549 1,174 945 586 343

District of Columbia (DC) 55 1,623 682 615 357 237

Florida 1,142 69,897 29,649 23,940 15,361 9,202

Georgia 400 27,633 13,578 10,448 6,821 3,609

Hawaii 194 4,008 1,831 1,542 1,022 562

Idaho 73 4,276 2,141 1,665 1,088 671

Illinois 578 22,572 8,952 7,357 4,299 2,648

Indiana 331 14,498 6,568 5,136 3,367 1,933

Iowa 137 6,708 2,933 2,467 1,573 922

Kansas 149 8,363 3,663 2,885 1,790 922

Kentucky 265 11,395 5,609 4,867 3,296 1,955

Louisiana 201 11,753 5,181 4,550 2,868 1,895

Maine 89 4,976 2,348 2,037 1,377 906

Maryland 361 15,285 7,019 5,749 3,767 2,046

Massachusetts 378 23,802 8,179 8,231 4,324 3,109

Michigan 626 24,174 9,877 8,527 4,714 3,068

Minnesota 281 13,849 5,370 4,405 2,701 1,765

Mississippi 150 7,720 3,777 3,357 2,118 1,234

Missouri 338 15,229 6,528 5,754 3,682 2,213

Montana 60 3,590 1,744 1,451 986 598

Nebraska 68 5,387 2,398 2,099 1,497 881

Nevada 131 7,935 3,542 2,790 1,777 956

New Hampshire 69 4,755 2,162 1,747 1,192 789

New Jersey 412 21,257 7,632 6,477 3,810 2,597

New Mexico 148 6,868 3,205 2,626 1,887 1,040

New York 1,038 44,780 14,864 13,473 7,256 5,587

North Carolina 450 25,743 13,446 11,019 7,546 4,156

North Dakota 30 2,071 979 784 504 296

Ohio 685 31,952 13,661 11,176 6,885 4,070

Oklahoma 224 12,021 6,785 5,651 4,024 2,636

Oregon 258 10,020 4,758 4,116 2,919 1,860

Pennsylvania 767 34,771 13,908 12,136 7,189 4,741

Rhode Island 51 3,869 1,487 1,255 762 509

South Carolina 195 14,298 6,743 5,462 3,592 1,970

South Dakota 48 2,818 1,375 1,105 688 429

Tennessee 397 16,783 8,292 6,766 4,244 2,538

Texas 1,157 62,090 29,883 24,022 16,458 9,244

Utah 78 4,614 2,219 1,705 1,149 732

Vermont 43 1,587 721 657 420 287

Virginia 449 27,398 14,046 11,745 7,944 4,118

Washington 456 25,154 11,683 9,668 6,609 3,746

West Virginia 136 5,663 2,591 2,457 1,652 1,208

Wisconsin 307 14,885 5,997 4,902 3,158 1,990

Wyoming 22 1,759 893 703 497 281

US TOTAL 17,041 828,632 365,578 304,053 193,841 116,552

Philippines 120 1,171 649 738 583 319

Puerto Rico 210 4,748 2,288 2,160 1,351 1,010

All Other US Possessions &

Foreign Countries

98 4,335 2,337 1,942 1,351 757

Total Compensation

Recipients

17,469 838,886 370,852 308,893 197,126 118,638
Appendix A Geographic Distribution of Data

147

COMPENSATION RECIPIENTS BY RESIDENCE BASED ON COMBINED DEGREE

END OF FY 2000/BEGINNING OF FY 2001

Residence 60% 70% 80% 90% 100% Total

Alabama 2,428 1,609 1,028 478 3,166 49,269

Alaska 819 488 359 167 472 9,707

Arizona 2,794 1,891 1,198 628 3,610 49,695

Arkansas 2,182 1,498 1,012 492 3,134 29,560

California 8,936 7,046 4,111 1,946 13,403 197,936

Colorado 2,142 1,457 885 436 2,991 42,772

Connecticut 862 667 348 157 1,505 20,448

Delaware 311 168 101 46 538 6,814

District of Columbia (DC) 229 192 87 38 429 4,544

Florida 10,556 7,180 4,536 2,029 14,112 187,604

Georgia 3,816 2,451 1,498 607 5,303 76,164

Hawaii 581 424 234 107 988 11,493

Idaho 676 472 300 157 821 12,340

Illinois 2,271 1,615 932 449 3,364 55,037

Indiana 2,040 1,227 771 412 2,434 38,717

Iowa 974 681 414 203 1,268 18,280

Kansas 985 686 385 223 1,654 21,705

Kentucky 2,020 1,279 838 400 2,854 34,778

Louisiana 1,857 1,379 772 346 2,653 33,455

Maine 1,012 1,207 685 282 1,754 16,673

Maryland 1,998 1,203 669 370 3,071 41,538

Massachusetts 2,935 2,287 1,126 434 4,400 59,205

Michigan 2,812 1,788 979 500 3,761 60,826

Minnesota 1,796 1,373 862 417 2,576 35,395

Mississippi 1,490 948 676 317 2,384 24,171

Missouri 2,250 1,548 991 441 3,082 42,056

Montana 613 429 277 144 857 10,749

Nebraska 989 630 464 232 1,184 15,829

Nevada 1,097 717 437 238 1,287 20,907

New Hampshire 772 559 367 160 978 13,550

New Jersey 2,208 1,522 1,013 533 3,246 50,707

New Mexico 1,305 1,293 781 321 1,805 21,279

New York 4,846 3,829 2,078 902 8,147 106,800

North Carolina 4,503 2,922 1,831 802 5,447 77,865

North Dakota 309 149 129 65 334 5,650

Ohio 3,817 2,354 1,469 719 5,107 81,895

Oklahoma 3,032 2,326 1,327 578 4,191 42,795

Oregon 1,977 1,489 958 481 2,956 31,792

Pennsylvania 4,567 3,339 1,922 874 6,188 90,402

Rhode Island 544 416 243 92 817 10,045

South Carolina 1,979 1,502 897 408 2,927 39,973

South Dakota 408 271 176 116 739 8,173

Tennessee 2,788 1,813 1,178 568 4,307 49,674

Texas 10,839 7,363 4,613 1,999 12,211 179,879

Utah 667 469 261 149 876 12,919

Vermont 353 234 135 60 374 4,871

Virginia 4,252 2,561 1,583 734 4,715 79,545

Washington 3,796 3,349 1,825 946 5,058 72,290

West Virginia 1,153 1,109 691 314 1,903 18,877

Wisconsin 2,049 1,347 877 494 2,991 38,997

Wyoming 296 178 123 59 385 5,196

US TOTAL 119,931 84,934 51,452 24,070 164,757 2,270,841

Philippines 829 330 217 77 747 5,780

Puerto Rico 1,147 823 494 220 4,049 18,500

All Other US Possessions

& Foreign Countries

715 410 259 107 754 13,065

Total Compensation

Recipients

122,622 86,497 52,422 24,474 170,307 2,308,186

Source: Benefits Delivery Network – RCS 20-0238
Appendix A Geographic Distribution of Data

148
Appendix A Geographic Distribution of Data

149

Compensation Recipients by Residence Based on Age

End of Fiscal Year 2000/Beginning of FY 2001

Under 20 20-29 30-39 40-49 50-59 60-69 70-79 80-84 85+ Total

Alabama 3 1,452 4,391 9,744 13,726 7,552 8,768 2,782 851 49,269

Alaska 0 365 1,338 2,838 3,285 999 672 167 43 9,707

Arizona 3 1,666 4,411 8,307 12,324 7,784 10,382 3,634 1,184 49,695

Arkansas 1 982 2,832 4,955 7,768 4,520 5,655 2,158 689 29,560

California 16 7,369 17,579 32,298 52,008 27,891 40,354 15,025 5,396 197,936

Colorado 2 1,651 4,812 8,714 11,983 6,130 6,443 2,269 768 42,772

Connecticut 2 539 1,471 2,431 4,954 2,292 5,488 2,437 834 20,448

Delaware 0 199 620 1,336 1,866 950 1,310 417 116 6,814

District of Columbia 0 95 401 821 1,219 612 867 332 197 4,544

Florida 8 5,079 14,230 30,539 43,538 28,540 43,232 16,497 5,941 187,604

Georgia 2 2,884 9,372 18,064 20,886 10,371 10,177 3,431 977 76,164

Hawaii 0 297 996 2,153 3,238 1,781 2,132 712 184 11,493

Idaho 3 492 1,357 2,016 3,312 1,783 2,307 800 270 12,340

Illinois 3 2,635 5,742 8,027 14,096 5,638 12,526 4,747 1,623 55,037

Indiana 2 1,457 4,434 6,683 10,149 4,331 8,073 2,758 830 38,717

Iowa 2 594 1,926 2,668 4,742 1,916 4,129 1,716 587 18,280

Kansas 0 670 2,080 4,118 5,798 2,785 4,186 1,524 544 21,705

Kentucky 2 1,339 3,635 5,934 8,997 4,580 7,207 2,338 746 34,778

Louisiana 5 1,571 3,596 5,206 8,587 4,966 6,641 2,211 672 33,455

Maine 0 641 1,621 2,921 4,801 2,328 2,990 1,047 324 16,673

Maryland 1 1,356 4,645 8,242 11,146 5,440 7,286 2,539 883 41,538

Massachusetts 3 1,159 3,190 6,110 12,885 8,668 17,477 7,065 2,648 59,205

Michigan 2 1,973 5,794 8,233 16,723 6,571 14,804 5,202 1,524 60,826

Minnesota 3 1,154 3,600 5,000 9,015 3,967 7,874 3,576 1,206 35,395

Mississippi 0 678 2,133 4,147 6,099 3,857 5,061 1,678 518 24,171

Missouri 1 1,247 4,028 7,227 11,319 5,307 8,753 3,118 1,056 42,056

Montana 2 485 1,113 1,932 3,094 1,462 1,772 675 214 10,749

Nebraska 0 711 1,724 2,914 3,941 2,125 2,873 1,146 395 15,829

Nevada 1 692 1,921 3,765 5,674 3,424 3,948 1,157 325 20,907

New Hampshire 1 445 1,177 2,260 3,765 2,157 2,622 835 288 13,550

New Jersey 2 902 2,939 5,479 12,430 6,509 14,390 6,001 2,055 50,707

New Mexico 5 594 1,595 3,696 6,072 3,379 4,003 1,453 482 21,279

New York 6 2,523 6,984 12,582 27,851 12,363 28,172 11,631 4,688 106,800

North Carolina 5 3,290 9,251 16,844 20,297 11,065 12,407 3,624 1,082 77,865

North Dakota 0 227 601 1,000 1,526 630 988 503 175 5,650

Ohio 7 2,771 8,324 12,551 20,839 9,112 19,162 6,967 2,162 81,895

Oklahoma 4 1,371 3,740 7,453 12,491 6,554 7,859 2,539 784 42,795

Oregon 1 1,478 3,504 5,338 9,033 3,832 5,776 2,109 721 31,792

Pennsylvania 4 2,143 6,360 11,183 22,324 10,891 25,033 9,485 2,979 90,402

Rhode Island 1 233 668 1,202 2,475 1,189 2,702 1,141 434 10,045

South Carolina 6 1,567 4,303 8,275 10,883 6,205 6,353 1,861 520 39,973

South Dakota 1 313 889 1,585 2,273 1,090 1,332 512 178 8,173

Tennessee 1 1,933 5,778 9,605 13,306 6,742 8,691 2,791 827 49,674

Texas 9 7,123 17,563 33,460 48,338 27,783 31,170 10,824 3,609 179,879

Utah 0 487 1,165 2,222 3,366 1,731 2,716 964 268 12,919

Vermont 0 133 410 800 1,408 652 1,011 341 116 4,871

Virginia 5 2,531 7,853 17,218 23,115 11,944 11,997 3,731 1,151 79,545

Washington 4 2,999 8,435 15,308 20,998 9,480 10,402 3,513 1,151 72,290

West Virginia 2 722 1,742 2,504 5,492 2,652 4,097 1,243 423 18,877

Wisconsin 6 1,740 4,336 6,095 10,361 4,589 8,013 2,978 879 38,997

Wyoming 0 203 523 988 1,597 654 873 266 92 5,196

US Totals 137 77,160 213,132 384,991 597,413 309,773 463,156 168,470 56,609 2,270,841

Philippines 21 8 47 272 495 304 1,662 2,630 341 5,780

Puerto Rico 1 316 1,383 3,643 5,316 2,876 3,840 893 232 18,500

All Other US 2 442 1,695 3,414 3,777 1,770 1,418 382 165 13,065

Total Comp. 161 77,926 216,257 392,320 607,001 314,723 470,076 172,375 57,347 2,308,186

Source: Benefits Delivery Network – RCS 20-0238
Appendix A Geographic Distribution of Data

150

Pension Recipients by State of Residence Beginning

Fiscal Year 2001 (In Ascending Order)

Alaska 323

Wyoming 603

Delaware 701

Hawaii 716

Vermont 724

North Dakota 1,057

New Hampshire 1,149

Utah 1,190

Rhode Island 1,219

District of Columbia (DC) 1,413

Idaho 1,426

Montana 1,759

South Dakota 1,881

Connecticut 2,053

Nebraska 2,538

Nevada 2,595

Maine 3,295

Colorado 3,297

New Mexico 3,369

Kansas 3,443

Iowa 3,715

New Jersey 4,175

Maryland 4,455

Arizona 5,003

Massachusetts 5,262

Washington 5,308

West Virginia 5,448

Indiana 5,476

Minnesota 5,476

Wisconsin 5,694

Oregon 5,722

Arkansas 7,168

Mississippi 7,757

South Carolina 7,926

Virginia 8,020

Kentucky 8,486

Missouri 8,701

Michigan 9,210

Oklahoma 9,780

Alabama 10,246

Tennessee 10,982

Louisiana 11,318

Georgia 11,588

Illinois 11,625

North Carolina 12,307

Ohio 13,931

Pennsylvania 15,703

New York 17,899

Florida 21,170

California 25,569

Texas 27,549

United States TOTAL 347,420

Philippines 1,087

Puerto Rico 14,729

All Other US Possessions & Foreign Countries 984

Total Pension Recipients 364,220

Source: Benefits Delivery Network – RCS 20-0238
Appendix A Geographic Distribution of Data

151

ND

1,057 MN

5,476

IA

3,715

WA

5,308

CA

25,569

MT

1,759

OR

5,722 ID

1,426

NV

2,595 UT

1,190

AZ

5,003

AK

323

WY

603

CO

3,297

NM

3,369

SD

1,881

NE

2,538

KS

3,443

OK

9,780

TX

27,549

HI

716 323 - 2,595

2,596 - 5,722

5,723 - 10,982

10,983 - 17,899

17,900 - 27,549

MO

8,701

AR

7,168

LA

11,318

WI

5,694

IL

11,625

 IN

5,476

 MI

9,210

 KY

8,486

 TN

10,982

 MS

7,757

 AL

 10,246

 GA

 11,588

 FL

21,170

SC

7,926

 NC

12,307

OH

13,931

PA

15,703

 NY

 17,899

 ME

3,295

 VA

8,020

 WV

5,448

NH

1,149

VT

724

 MA

 5,262

 RI

1,219

 CT

2,053

NJ

4,175

 DE

701

 MD

4,455

DC

1,413

Legend

Pension Recipients

PENSION RECIPIENTS 

BY STATE OF RESIDENCE

BEGINNING FY 2001

(United States Total - 347,420)
Appendix A Geographic Distribution of Data

152

Projected Pension Cost Based on State of Residence Monthly Value

Beginning FY 2001 and Projected FY 2001 (In Ascending Order)

Residence Monthly Value

Beginning FY 2001

Projected Annual

Value FY 2001

Alaska $181,804 $2,181,648

Wyoming $272,077 $3,264,924

Delaware $298,647 $3,583,764

Vermont $331,991 $3,983,892

Hawaii $381,413 $4,576,956

North Dakota $535,087 $6,421,044

Utah $541,674 $6,500,088

New Hampshire $570,270 $6,843,240

Rhode Island $604,851 $7,258,212

District of Columbia (DC) $723,439 $8,681,268

Idaho $746,343 $8,956,116

Connecticut $754,872 $9,058,464

Montana $840,082 $10,080,984

South Dakota $959,862 $11,518,344

Nevada $1,194,293 $14,331,516

Nebraska $1,478,156 $17,737,872

Maine $1,606,950 $19,283,400

New Mexico $1,664,376 $19,972,512

Colorado $1,673,145 $20,077,740

Kansas $1,717,655 $20,611,860

New Jersey $1,985,598 $23,827,176

Iowa $2,041,906 $24,502,872

Maryland $2,151,991 $25,823,892

Massachusetts $2,351,000 $28,212,000

Arizona $2,437,123 $29,245,476

Indiana $2,545,654 $30,547,848

Minnesota $2,572,744 $30,872,928

Washington $2,732,131 $32,785,572

West Virginia $2,942,196 $35,306,352

Wisconsin $2,958,763 $35,505,156

Oregon $3,279,152 $39,349,824

Arkansas $3,287,274 $39,447,288

Mississippi $3,587,967 $43,055,604

Virginia $3,600,238 $43,202,856

South Carolina $3,804,329 $45,651,948

Kentucky $4,079,352 $48,952,224

Missouri $4,428,318 $53,139,816

Tennessee $5,053,162 $60,637,944

Michigan $5,080,033 $60,960,396

North Carolina $5,140,685 $61,688,220

Georgia $5,373,833 $64,485,996

Alabama $5,447,818 $65,373,816

Louisiana $5,676,050 $68,112,600

Illinois $5,804,439 $69,653,268

Oklahoma $6,342,690 $76,112,280

Ohio $7,107,817 $85,293,804

Pennsylvania $7,963,479 $95,561,748

New York $8,230,625 $98,767,500

Florida $10,554,404 $126,652,848

California $12,220,629 $146,647,548

Texas $13,212,878 $158,554,536

United States TOTAL $171,071,265 $2,052,855,180

Philippines $1,053,037 $12,636,444

Puerto Rico $6,904,894 $82,858,728

All Other US Possessions & Foreign Countries $571,539 $6,858,468

Total Pension $179,600,735 $2,155,208,820

Source: Benefits Delivery Network - RCS 20-0237
Appendix A Geographic Distribution of Data

153

ND

$6.4 MN

$30.9

IA

$24.5

WA

$32.8

CA

$146.7

MT

$10.0

OR

$39.3 ID

$9.0

NV

$14.3 UT

$6.5

AZ

$29.2

AK

$2.2

WY

$3.3

CO

$20.1

NM

$20.0

SD

$11.5

NE

$17.7

KS

$20.6

OK

$76.1

TX

$158.6

HI

$4.6 $2.2 - $9.1

$9.1 - $24.5

$24.5 - $49.0

$49.0 - $98.8

$98.8 - $158.6

MO

$53.1

AR

$39.4

LA

$68.1

WI

$35.5

IL

$69.7

 IN

$30.5

 MI

 $61.0

 KY

$49.0

 TN

$60.6

 MS

$43.1

AL

 $65.3

 GA

$64.5

 FL

$126.7

SC

$45.7

 NC

$61.7

OH

$85.3

PA

$95.6

 NY

 $98.8

 ME

$19.3

 VA

$43.2

 WV

$35.3

NH

$6.8

VT

$4.0

 MA

 $28.2

 RI

$7.3

 CT

$9.1

NJ

$23.8

 DE

$3.6

 MD

$25.8

DC

$8.7

Legend

Pension Dollars

(In Millions)

PROJECTED PENSION COST 

BY STATE FOR FY 2001

(In Millions)
Appendix A Geographic Distribution of Data

154
Appendix A Geographic Distribution of Data

155

Pension Recipients by Residence Based on Age

End of Fiscal Year 2000/Beginning of FY 2001

Under 20 20-29 30-39 40-49 50-59 60-69 70-79 80-84 85+ Total

Alabama 1 4 24 574 1,260 1,455 4,433 1,719 776 10,246

Alaska 0 0 1 68 156 45 45 7 1 323

Arizona 0 2 19 498 1,178 860 1,722 468 256 5,003

Arkansas 0 5 21 544 1,320 966 2,602 1,110 600 7,168

California 5 24 73 2,569 5,947 4,074 8,515 2,785 1,577 25,569

Colorado 0 1 10 339 730 497 1,100 397 223 3,297

Connecticut 1 0 2 155 399 291 715 296 194 2,053

Delaware 0 0 2 74 141 102 248 90 44 701

District of 0 0 4 140 331 239 534 126 39 1,413

Florida 0 18 52 1,829 4,653 3,502 7,446 2,457 1,213 21,170

Georgia 1 7 36 848 2,120 1,844 4,414 1,644 674 11,588

Hawaii 0 1 0 82 227 113 209 47 37 716

Idaho 1 0 2 96 248 231 543 207 98 1,426

Illinois 0 13 27 1,004 2,696 1,841 4,290 1,179 575 11,625

Indiana 1 2 15 485 1,146 953 2,008 591 275 5,476

Iowa 0 3 7 284 650 542 1,413 507 309 3,715

Kansas 0 2 11 342 725 504 1,196 427 236 3,443

Kentucky 1 1 14 467 1,443 1,357 3,539 1,137 527 8,486

Louisiana 0 7 50 878 2,101 1,472 4,456 1,619 735 11,318

Maine 0 8 7 366 773 533 1,105 339 164 3,295

Maryland 0 3 19 436 939 707 1,681 453 217 4,455

Massachusetts 1 4 21 460 1,098 882 1,943 527 326 5,262

Michigan 0 3 37 935 2,500 1,446 3,011 868 410 9,210

Minnesota 1 5 6 359 856 754 1,972 926 597 5,476

Mississippi 0 3 17 382 952 863 3,406 1,473 661 7,757

Missouri 0 2 8 764 1,723 1,299 3,216 1,089 600 8,701

Montana 0 1 5 166 411 254 589 217 116 1,759

Nebraska 2 3 6 189 453 382 963 342 198 2,538

Nevada 0 1 4 250 594 476 926 231 113 2,595

New Hampshire 0 2 3 90 235 191 397 145 86 1,149

New Jersey 0 4 9 309 754 689 1,645 522 243 4,175

New Mexico 0 2 8 298 743 470 1,220 421 207 3,369

New York 2 17 52 1,561 3,795 2,841 6,557 1,933 1,141 17,899

North Carolina 0 8 34 826 1,840 1,594 5,204 2,047 754 12,307

North Dakota 0 0 1 57 183 124 451 145 96 1,057

Ohio 1 12 47 1,534 3,734 2,315 4,505 1,220 563 13,931

Oklahoma 0 5 28 806 2,245 1,624 3,358 1,146 568 9,780

Oregon 2 5 20 601 1,425 888 1,845 616 320 5,722

Pennsylvania 2 8 48 1,299 3,519 2,463 5,694 1,731 939 15,703

Rhode Island 0 0 1 107 285 197 423 125 81 1,219

South Carolina 0 7 17 504 1,397 1,175 3,231 1,133 462 7,926

South Dakota 0 1 4 109 320 313 734 238 162 1,881

Tennessee 1 4 20 701 1,845 1,681 4,391 1,605 734 10,982

Texas 1 30 75 2,160 5,650 3,948 10,293 3,457 1,935 27,549

Utah 1 1 4 116 250 180 434 134 70 1,190

Vermont 0 1 0 56 152 120 270 71 54 724

Virginia 0 1 24 602 1,409 1,209 3,236 1,104 435 8,020

Washington 1 4 17 575 1,311 823 1,695 573 309 5,308

West Virginia 0 4 15 483 1,310 919 1,892 524 301 5,448

Wisconsin 0 6 12 527 1,113 839 2,010 730 457 5,694

Wyoming 0 0 4 65 128 119 201 62 24 603

US Totals 26 245 943 28,969 71,413 53,206 127,926 42,960 21,732 347,420

Philippines 1 0 1 11 105 91 219 467 192 1,087

Puerto Rico 1 2 4 303 1,059 3,005 7,134 2,398 823 14,729

All Other US 0 0 1 37 118 111 437 168 112 984

Total Pension 28 247 949 29,320 72,695 56,413 135,716 45,993 22,859 364,220

Source: Benefits Delivery Network – RCS 20-0238
Appendix A Geographic Distribution of Data

156

Projected Average Disability Pension Benefit

Per Veteran Beneficiary by State of Residence for FY 2001

Connecticut $4,412

North Carolina $5,012

Delaware $5,112

Massachusetts $5,361

Virginia $5,386

Wyoming $5,414

Utah $5,462

Vermont $5,502

Arkansas $5,503

New York $5,518

Tennessee $5,521

Nevada $5,522

Mississippi $5,550

Georgia $5,564

Indiana $5,578

Minnesota $5,637

New Jersey $5,707

Montana $5,731

California $5,735

Texas $5,755

South Carolina $5,759

Kentucky $5,768

Maryland $5,796

Arizona $5,845

Maine $5,852

New Mexico $5,928

Rhode Island $5,954

New Hampshire $5,955

Florida $5,982

Kansas $5,986

Illinois $5,991

Louisiana $6,018

North Dakota $6,074

Pennsylvania $6,085

Colorado $6,089

Missouri $6,107

Ohio $6,122

South Dakota $6,123

District of Columbia $6,143

Washington $6,176

Wisconsin $6,235

Idaho $6,280

Alabama $6,380

Hawaii $6,392

West Virginia $6,480

Iowa $6,595

Michigan $6,618

Alaska $6,754

Oregon $6,876

Nebraska $6,988

Oklahoma $7,782

Source: Benefits Delivery Network – RCS 20-0238
Appendix A Geographic Distribution of Data

157

ND

$6,075 MN

$5,638

IA

$6,596

WA

$6,177

CA

$5,735

MT

$5,731

OR

$6,877 ID

$6,281

NV

$5,523 UT

$5,462

AZ

$5,846

AK

$6,754

WY

$5,414

CO

$6,090

NM

$5,928

SD

$6,124

NE

$6,989

KS

$5,987

OK

$7,782

TX

$5,755

HI

$6,392 $4,412 - $5,112

$5,113 - $5,638

$5,639 - $6,018

$6,019 - $6,481

$6,482 - $7,782

MO

$6,107

AR

$5,503

LA

$6,018

WI

$6,236

IL

$5,992

 IN

$5,578

 MI

 $6,619

 KY

$5,769

 TN

$5,522

 MS

$5,551

AL

 $6,380

 GA

$5,565

 FL

$5,983

SC

$5,760

 NC

$5,012

OH

$6,123

PA

$6,086

 NY

 $5,518

 ME

$5,852

 VA

$5,387

 WV

$6,481

NH

$5,956

VT

$5,503

 MA

 $5,361

 RI

$5,954

 CT

$4,412

NJ

$5,707

 DE

$5,112

 MD

$5,797

DC

$6,144

Legend

Average Dollars

PROJECTED AVERAGE DISABILITY PENSION 

BENEFIT PER VETERAN BENEFICIARY PER STATE

FOR FY 2001
Appendix A Geographic Distribution of Data

158

Education Beneficiaries Trained

During Fiscal Year 2000

Alabama 7,889

Alaska 1,281

Arizona 11,238

Arkansas 3,886

California 39,779

Colorado 8,473

Connecticut 2,796

Delaware 956

District of Columbia (DC) 985

Florida 25,556

Georgia 13,257

Hawaii 2,946

Idaho 2,384

Illinois 14,752

Indiana 5,848

Iowa 3,717

Kansas 4,324

Kentucky 5,131

Louisiana 7,737

Maine 1,713

Maryland 8,229

Massachusetts 5,283

Michigan 9,280

Minnesota 5,741

Mississippi 4,183

Missouri 7,409

Montana 1,591

Nebraska 3,630

Nevada 2,803

New Hampshire 1,256

New Jersey 4,487

New Mexico 4,043

New York 11,529

North Carolina 12,682

North Dakota 1,783

Ohio 12,466

Oklahoma 8,387

Oregon 4,932

Pennsylvania 11,440

Rhode Island 1,138

South Carolina 6,826

South Dakota 1,699

Tennessee 7,137

Texas 32,568

Utah 3,451

Vermont 556

Virginia 15,792

Washington 11,069

West Virginia 2,487

Wisconsin 6,075

Wyoming 909

United States TOTAL 375,512

Puerto Rico 3,910

Other US Possessions 18,167

Total Number of Beneficiaries 397,589

Source: Benefits Delivery Network – RCS 20-0238
Appendix A Geographic Distribution of Data

159

ND

1,783 MN

5,741

IA

3,717

WA

11,069

CA

39,779

MT

1,591

OR

4,932 ID

2,384

NV

2,803 UT

3,451

AZ

11,238

AK

1,281

WY

909

CO

8,473

NM

4,043

SD

1,699

NE

3,630

KS

4,324

OK

8,387

TX

32,568

HI

2,946 556 - 2,946

2,947 - 6,075

6,076 - 9,280

9,281 - 15,792

15,793 - 39,779

MO

7,409

AR

3,886

LA

7,737

WI

6,075

IL

14,752

 IN

 5,848

 MI

 9,280

 KY

5,131

 TN

7,137

 MS

4,183

AL

7,889

 GA

 13,257

 FL

25,556

SC

 6,826

 NC

12,682

OH

12,466

PA

11,440

 NY

 11,529

 ME

 1,713

 VA

15,792

 WV

 2,487

NH

1,256

VT

556

 MA

 5,283

 RI

1,138

 CT

2,796

NJ

4,487

 DE

956

 MD

8,229

DC

985

Legend

Education Beneficiaries Trained

EDUCATION BENEFICIARIES TRAINED 

By State

During FY 2000
Appendix A Geographic Distribution of Data

160

Life Insurance Payments by State of Residence

During Fiscal Year 2000 (In Ascending Order)

Alaska $2,510,570

Wyoming $3,673,436

District of Columbia (DC) $3,727,683

Vermont $4,336,257

North Dakota $4,896,768

Delaware $5,784,329

South Dakota $5,847,870

Montana $7,510,988

Idaho $7,974,757

Rhode Island $8,061,593

Maine $9,645,613

New Hampshire $9,832,001

West Virginia $10,231,986

Utah $11,565,731

Nevada $12,767,167

New Mexico $13,064,582

Nebraska $13,567,195

Mississippi $13,774,961

Hawaii $15,424,151

Arkansas $16,405,439

Kentucky $18,443,936

Kansas $18,779,371

Oklahoma $21,007,019

Louisiana $22,632,135

Iowa $22,988,006

Oregon $23,672,753

South Carolina $25,293,693

Alabama $25,688,421

Tennessee $28,140,140

Indiana $28,337,425

Colorado $30,253,225

Connecticut $30,713,677

Missouri $36,636,719

Minnesota $37,970,214

Wisconsin $39,925,649

Maryland $40,834,604

Arizona $41,457,208

Washington $41,755,408

Georgia $42,109,803

North Carolina $45,319,353

Michigan $51,943,812

Massachusetts $51,970,635

Virginia $55,132,911

New Jersey $66,591,944

Ohio $71,891,480

Illinois $79,908,271

Pennsylvania $98,945,132

Texas $107,115,788

New York $127,236,638

Florida $172,658,653

California $201,087,657

United States TOTAL $1,887,044,757

Philippines $425,689

Puerto Rico $4,141,680

All Other US Possessions & Foreign Countries $5,387,752

Total Life Insurance Payments $1,896,999,8781

Source: Insurance General Ledger Accounting System - FY00 Statement of Cash Flows and

CFO FY00 Life Insurance Statements (Incurred Basis)

 1

 Excludes VGLI & SGLI
Appendix A Geographic Distribution of Data

161

ND

$4,896.8 $37,970.2

MN

IA

$22,988.0

WA

$41,755.4

CA

$201,087.7

MT

$7,511.0

OR

$23,672.8 ID

$7,974.8

NV

$12,767.2 UT

$11,565.7

AZ

$41,457.2

AK

$2,510.6

WY

$3,673.4

CO

$30,253.2

NM

$13,064.6

SD

$5,847.9

NE

$13,567.2

KS

$18,779.4

OK

$21,007.0

TX

$107,115.8

HI

$15,424.2 $2,510.6 - $9,832.0

$9,832.0 - $18,779.4

$18,779.4 - $39,925.6

$39,925.6 - $98,945.1

$98,945.1 - $201,087.7

MO

$36,636.7

$16,405.4

AR

 LA

$22,632.1

WI

$39,925.6

IL

$79,908.3

IN

$28,337.4

 MI

$51,943.8

 KY

$18,443.9

 TN

$28,140.1

MS

$13,775.0

AL

$25,688.4

GA

$42,109.8

FL

$172,658.7

$25,293.7

 SC

 

$45,319.4

 NC

 

$71,891.5

OH

 PA

$98,945.1

 NY

$127,236.6

ME

$9,645.6

 VA

$55,132.9

 WV

$10,232.0

NH

$9,832.0

VT

$4,336.3

 MA

 $51,970.6

 RI

$8,061.6

 

 CT

$30,713.7

NJ

 $66,591.9

 DE

$5,784.3

 MD

 $40,834.6

DC

$3,727.7

Legend

Life Insurance Payments

(in thousands)

LIFE INSURANCE PAYMENTS BY STATE

DURING FY 2000

(United States Total - $1,887,044,757)
Appendix A Geographic Distribution of Data

162

Face Value of Life Insurance by State of Residence

Beginning Fiscal Year 2001 (In Ascending Order)

Alaska $29,114,295

Wyoming $42,599,688

District of Columbia $43,228,775

Vermont $50,286,224

North Dakota $56,786,289

Delaware $67,079,056

South Dakota $67,815,928

Montana $87,102,592

Idaho $92,480,774

Rhode Island $93,487,783

Maine $111,857,164

New Hampshire $114,018,655

West Virginia $118,657,150

Utah $134,124,173

Nevada $148,056,857

New Mexico $151,505,883

Nebraska $157,334,532

Mississippi $159,743,936

Hawaii $178,869,068

Arkansas $190,248,767

Kentucky $213,888,581

Kansas $217,778,509

Oklahoma $243,611,851

Louisiana $262,457,821

Iowa $266,584,747

Oregon $274,525,544

South Carolina $293,323,078

Alabama $297,900,610

Tennessee $326,332,438

Indiana $328,620,294

Colorado $350,837,228

Connecticut $356,176,941

Missouri $424,864,616

Minnesota $440,328,747

Wisconsin $463,005,310

Maryland $473,546,184

Arizona $480,766,328

Washington $484,224,456

Georgia $488,334,261

North Carolina $525,554,418

Michigan $602,376,210

Massachusetts $602,687,267

Virginia $639,359,193

New Jersey $772,246,024

Ohio $833,703,101

Illinois $926,671,319

Pennsylvania $1,147,435,864

Texas $1,242,188,419

New York $1,475,523,647

Florida $2,002,268,601

California $2,331,950,930

United States TOTAL $21,883,470,126

Philippines $4,936,580

Puerto Rico $48,029,778

All Other US Possessions & Foreign Countries $62,480,077

Total Face Value $21,998,916,5611

Source: Insurance Master Record Database - Insurance Actuarial Subsystem

Report-AVS 2007

1

 Excludes VGLI & SGLI
Appendix A Geographic Distribution of Data

163

ND

$56.8 MN

$440.3

IA

$266.6

WA

$484.2

CA

$2,332.0

MT

$87.1

OR

$274.5 ID

$92.5

NV

$148.1 UT

$134.1

AZ

$480.8

AK

$29.1

WY

$42.6

CO

$350.8

NM

$151.5

SD

$67.8

NE

$157.3

KS

$217.8

OK

$243.6

TX

$1,242.2

HI

$178.9 $29.1 - $190.2

$190.2 - $356.2

$356.2 - $833.7

$833.7 - $1,475.5

$1,475.5 - $2,332.0

MO

$424.9

AR

$190.2

LA

$262.5

WI

$463.0

IL

$926.7

 IN

$328.6

 MI

 $602.4

 KY

$213.9

 TN

$326.3

 MS

$159.7

AL

 $297.9

 GA

$488.3

 FL

$2,002.3

SC

$293.3

 NC

$525.6

OH

$833.7

PA

$1,147.4

 NY

 $1,475.5

 ME

$111.9

 VA

$639.4

 WV

$118.7

NH

$114.0

VT

$50.3

 MA

 $602.7

 RI

$93.5

 CT

$356.2

NJ

$772.2

 DE

$67.1

 MD

$473.5

DC

$43.2

Legend

Life Insurance Face Value

(in millions)

FACE VALUE OF LIFE INSURANCE 

By State Beginning FY 2001

(United States Total - $21,883,470,126)
Appendix A Geographic Distribution of Data

164

Life Insurance Policies by State of Residence

Beginning Fiscal Year 2001 (In Ascending Order)

Alaska 2,592

Wyoming 4,032

District of Columbia 4,200

Vermont 5,048

North Dakota 5,819

South Dakota 6,920

Delaware 7,237

Montana 8,587

Idaho 9,499

Rhode Island 10,473

Maine 11,922

New Hampshire 11,975

West Virginia 12,075

Utah 13,911

Hawaii 14,675

New Mexico 14,884

Nevada 15,165

Nebraska 15,450

Mississippi 15,589

Arkansas 19,469

Kansas 21,577

Kentucky 21,588

Oklahoma 24,566

Iowa 25,116

Louisiana 25,385

Oregon 27,925

Alabama 29,012

South Carolina 29,114

Tennessee 31,990

Indiana 33,088

Colorado 34,772

Connecticut 36,599

Missouri 43,054

Maryland 44,840

Minnesota 47,461

Wisconsin 47,520

Arizona 48,524

Georgia 48,539

Washington 48,727

North Carolina 50,519

Virginia 59,816

Michigan 64,204

Massachusetts 67,018

New Jersey 78,495

Ohio 86,361

Illinois 88,575

Texas 121,411

Pennsylvania 122,670

New York 148,866

Florida 200,988

California 227,474

United States TOTAL 2,195,316

Philippines 571

Puerto Rico 5,349

All Other US Possessions & Foreign Countries 5,598

Total Policies 2,206,8341

Source: Insurance Master Record Database - Insurance Actuarial Subsystem

Report-AVS 2007

1

 Excludes VGLI & SGLI
Appendix A Geographic Distribution of Data

165

ND

5,819 MN

47,461

IA

25,116

WA

48,727

CA

227,474

MT

8,587

OR

27,925 ID

9,499

NV

15,165 UT

13,911

AZ

48,524

AK

2,592

WY

4,032

CO

34,772

NM

14,884

SD

6,920

NE

15,450

KS

21,577

OK

24,566

TX

121,411

HI

14,675 2,592 - 10,473

10,474 - 21,588

21,589 - 44,840

44,841 - 88,575

88,576 - 227,474

MO

43,054

AR

19,469

LA

25,385

WI

47,520

IL

88,575

 IN

33,088

 MI

64,204

 KY

21,588

 TN

31,990

 MS

15,589

AL

29,012

 GA

48,539

 FL

200,988

SC

29,114

 NC

50,519

OH

86,361

PA

122,670

 NY

148,866

 ME

11,922

 VA

59,816

 WV

12,075

NH

11,975

VT

5,048

 MA

67,018

 RI

10,473

 CT

36,599

NJ

78,495

 DE

7,237

 MD

44,840

DC

4,200

Legend

Life Insurance Policies

LIFE INSURANCE POLICIES 

By State Beginning FY 2001

(United States Total - 2,195,316)
Appendix A Geographic Distribution of Data

166

Home Loans Guaranteed by State of Residence

During Fiscal Year 2000 (In Ascending Order)

District of Columbia (DC) 118

Vermont 242

Hawaii 445

Rhode Island 503

North Dakota 547

Wyoming 554

South Dakota 606

West Virginia 686

Montana 708

Delaware 875

New Hampshire 918

Maine 959

Connecticut 974

Iowa 1,248

Utah 1,336

Alaska 1,348

Idaho 1,526

Massachusetts 1,620

New Mexico 1,777

Nebraska 1,786

Mississippi 1,840

Arkansas 2,050

Kansas 2,195

Wisconsin 2,349

Oregon 2,440

Kentucky 2,654

Louisiana 2,688

New Jersey 2,785

South Carolina 2,803

New York 2,931

Minnesota 2,956

Oklahoma 3,245

Alabama 3,253

Missouri 3,586

Nevada 3,796

Michigan 4,012

Indiana 4,017

Tennessee 4,681

Illinois 4,698

Pennsylvania 4,974

Colorado 6,331

Ohio 6,430

Maryland 6,434

Washington 7,160

Arizona 7,303

North Carolina 8,218

Georgia 8,882

Virginia 13,934

California 15,438

Florida 15,984

Texas 19,671

United States TOTAL 198,514

Puerto Rico 611

Other US Possessions 35

Total Loans Guaranteed FY 2000 199,160

Source: LGY SAS PROGRAM
Appendix A Geographic Distribution of Data

167

ND

547 MN

2,956

IA

1,248

WA

7,160

CA

15,438

MT

708

OR

2,440 ID

1,526

NV

3,796 UT

1,336

AZ

7,303

AK

1,348

WY

554

CO

6,331

NM

1,777

SD

606

NE

1,786

KS

2,195

OK

3,245

TX

19,671

HI

445 118 - 1,526

1,527 - 2,956

2,957 - 4,974

4,975 - 8,882

8,883 - 19,671

MO

3,586

AR

2,050

LA

2,688

WI

2,349

IL

4,698

 IN

4,017

 MI

4,012

 KY

2,654

 TN

4,681

 MS

1,840

AL

3,253

 GA

8,882

 FL

15,984

SC

2,803

 NC

8,218

OH

6,430

PA

4,974

 NY

 2,931

 ME

 959

 VA

13,934

 WV

 686

NH

918

VT

242

 MA

 1,620

 RI

503

 CT

974

NJ

2,785

 DE

875

 MD

6,434

DC

118

Legend

Guaranteed Home Loans

HOME LOANS GUARANTEED 

During FY 2000

(United States Total - 198,514)
Appendix A Geographic Distribution of Data

168

Loan Amounts Guaranteed by State of Residence

During Fiscal Year 2000 (In Ascending Order)

District of Columbia (DC) $15,183,585

Vermont $26,497,708

North Dakota $45,070,981

Wyoming $56,992,611

South Dakota $58,830,911

Rhode Island $61,918,528

West Virginia $63,055,120

Hawaii $67,042,056

Montana $71,197,903

Maine $96,336,075

New Hampshire $109,772,726

Delaware $111,473,075

Iowa $120,961,003

Connecticut $126,252,233

Idaho $162,282,085

Utah $179,988,444

Mississippi $180,399,918

Arkansas $181,136,560

Nebraska $188,734,000

Alaska $200,743,443

New Mexico $203,427,944

Kansas $214,331,833

Massachusetts $218,497,862

Wisconsin $254,303,998

Louisiana $262,305,295

Kentucky $264,669,643

Oklahoma $284,861,977

New York $287,912,326

South Carolina $312,031,917

Oregon $322,387,575

Alabama $333,540,749

New Jersey $347,361,947

Minnesota $359,819,667

Missouri $365,174,151

Indiana $418,731,051

Michigan $437,740,526

Tennessee $497,801,018

Pennsylvania $509,582,604

Nevada $519,290,275

Illinois $536,419,608

Ohio $699,265,856

Arizona $884,797,504

North Carolina $908,114,880

Colorado $908,153,215

Maryland $911,708,457

Washington $990,745,751

Georgia $1,031,969,906

Florida $1,725,132,839

Virginia $1,793,544,235

Texas $2,069,911,472

California $2,300,673,752

United States TOTAL $23,298,078,798

Puerto Rico $68,696,656

Other US Possessions $5,383,120

Total Amounts Guaranteed During FY2000 $23,372,158,574

Source: LGY SAS PROGRAM
Appendix A Geographic Distribution of Data

169

ND

$45.1 MN

$359.8

IA

$121.0

WA

$990.7

CA

$2,300.7

MT

$71.2

OR

$323.0 ID

$162.3

NV

$519.3 UT

$180.0

AZ

$884.8

AK

$200.7

WY

$57.0

CO

$908.2

NM

$203.4

SD

$58.8

NE

$188.7

KS

$214.3

OK

$284.9

TX

$2,069.9

HI

$67.0 $15.2 - $126.3

$126.3 - $333.5

$333.5 - $536.4

$536.4 - $1,032.0

$1,032.0 - $2,300.7

MO

$365.2

AR

$181.1

LA

$262.3

WI

$254.3

IL

$536.4

 IN

$418.7

 MI

 $437.7

 KY

$264.7

 TN

$497.8

 MS

$180.4

AL

 $333.5

 GA

$1,032.0

 FL

$1,725.1

SC

$312.0

 NC

$908.1

OH

$699.3

PA

$509.6

 NY

 $287.9

 ME

$96.3

 VA

$1,793.5

 WV

$63.1

NH

$109.8

VT

$26.5

 MA

 $218.5

 RI

$61.9

 CT

$126.3

NJ

$347.4

 DE

$111.5

 MD

$911.7

DC

$15.2

Legend

Guaranteed Loan Amounts

(in millions)

LOAN AMOUNTS GUARANTEED 

During FY 2000

(United States Total - $23,298,078,798)
Appendix A Geographic Distribution of Data

170

Average Home Loan Amounts by State of Residence

Loan Guaranteed During FY 2000 (In Ascending Order)

North Dakota $82,397

Oklahoma $87,785

Arkansas $88,359

West Virginia $91,917

Iowa $96,924

South Dakota $97,081

Louisiana $97,584

Kansas $97,645

Mississippi $98,043

New York $98,230

Kentucky $99,725

Maine $100,455

Montana $100,562

Missouri $101,833

Pennsylvania $102,449

Alabama $102,533

Wyoming $102,875

Indiana $104,240

Texas $105,227

Nebraska $105,674

Idaho $106,345

Tennessee $106,345

Florida $107,929

Wisconsin $108,261

Ohio $108,751

Michigan $109,108

Vermont $109,495

North Carolina $110,503

South Carolina $111,321

Illinois $114,180

New Mexico $114,478

Georgia $116,187

New Hampshire $119,578

Arizona $121,155

Minnesota $121,725

Rhode Island $123,098

New Jersey $124,726

Delaware $127,398

District of Columbia (DC) $128,674

Virginia $128,717

Connecticut $129,622

Oregon $132,126

Utah $134,722

Massachusetts $134,875

Nevada $136,799

Washington $138,372

Maryland $141,702

Colorado $143,445

Alaska $148,919

California $149,027

Hawaii $150,656

United States Average Loan $117,362

Puerto Rico $112,433

Other US Possessions $153,803

Average Loan for All $117,354

Source: LGY SAS PROGRAM
Appendix A Geographic Distribution of Data

171

ND

$82,397

MN

$121,725

IA

$96,924

WA

$138,372

CA

$149,027

MT

$100,562

OR

$132,126 ID

$106,345

NV

$136,799 UT

$134,722

AZ

$121,155

AK

$148,919

WY

$102,875

CO

$143,445

NM

$114,478

SD

$97,081

NE

$105,674

KS

$97,645

OK

$87,785

TX

$105,227

HI

$150,656 Less than $100,000

$100,000 - $109,000

$110,000 - $124,999

$125,000 - $149,999

$150,000+

MO

$101,833

AR

$88,359

LA

$97,584

WI

$108,261

IL

$114,180

IN

$104,240

 MI

$109,108

 KY

$99,725

 TN

$106,345

MS

$98,043

AL

$102,533 GA

$116,187

FL

$107,929

$111,321

 SC

 

$110,503

 NC

OH

$108,751

 PA

$102,449

 NY

$98,230

 ME

$100,455

 VA

$128,717

 WV

$91,917

NH

$119,578

VT

$109,495

 MA

 $134,875

 RI

$123,098

 CT

$129,622

NJ

$124,726

 DE

$127,398

 MD

$141,702

DC

$128,674

Legend

Average Home Loan Amounts

AVERAGE HOME LOAN AMOUNTS PER STATE

Guaranteed During FY 2000
Appendix A Geographic Distribution of Data

172

Active Home Loans by State of Residence

Beginning Fiscal Year 2001 (In Ascending Order)

Vermont 2,326

District of Columbia (DC) 4,759

Rhode Island 5,268

North Dakota 5,735

Hawaii 7,110

South Dakota 7,265

Wyoming 7,746

West Virginia 11,094

Delaware 11,236

New Hampshire 12,128

Montana 13,151

Maine 13,915

Connecticut 16,255

Iowa 16,828

Alaska 17,075

Idaho 17,753

Utah 19,223

Oregon 21,066

Nebraska 25,520

New Mexico 25,607

Massachusetts 28,965

Mississippi 29,658

Wisconsin 32,127

Kentucky 32,996

Kansas 33,362

Arkansas 33,600

Louisiana 46,755

Missouri 48,630

South Carolina 51,113

Nevada 53,336

Indiana 53,854

Michigan 54,610

Oklahoma 54,976

New Jersey 56,324

Minnesota 56,926

Alabama 62,816

New York 63,696

Illinois 68,871

Pennsylvania 68,955

Tennessee 70,883

Washington 84,570

Colorado 86,429

Ohio 96,833

Arizona 97,463

North Carolina 113,951

Maryland 118,090

Georgia 130,083

Virginia 214,330

Florida 234,190

Texas 318,831

California 346,230

United States TOTAL 3,104,513

Puerto Rico 16,218

Other US Possessions 685

Total Loans Beginning FY 2001 3,121,416

Source: LGY SAS Program
Appendix A Geographic Distribution of Data

173

 ND

5,735 MN

56,926

 IA

16,828

 WA

84,570

 CA

346,230

 MT

13,151

 OR

21,066 ID

17,753

 NV

53,336 UT

19,223

 AZ

97,463

 AK

17,075

 WY

7,746

 CO

86,429

 NM

25,607

 SD

7,265

 NE

25,520

 KS

33,362

 OK

54,976

 TX

318,831

 HI

7,110 Less than 10,000

10,000 - 24,999

25,000 - 49,999

50,000 - 99,999

100,000+

 MO

48,630

 AR

33,600

LA

46,755

 WI

32,127

 IL

68,871 IN

53,854

MI

54,610

 KY

32,996

 TN

70,883

 MS

29,658

 AL

62,816

 GA

130,083

 FL

234,190

 SC

51,113

 NC

113,951

 OH

96,833

 PA

68,955

 NY

63,696

 ME

13,915

 VA

214,330

 WV

11,094

 NH

12,128

 VT

2,326

MA

28,965

 RI

5,268

 CT

16,255

 NJ

56,324

 DE

11,236

 MD

118,090

DC

4,759

Legend

Active Home Loans

ACTIVE HOME LOANS

BEGINNING FY 2001

(United States Total - 3,104,513
Appendix A Geographic Distribution of Data

174

Active Home Loan Amounts by State of Residence

Beginning Fiscal Year 2001 (In Ascending Order)

Vermont $210,602,636

District of Columbia (DC) $346,566,186

North Dakota $360,073,096

South Dakota $490,169,503

Wyoming $548,624,363

Rhode Island $580,498,601

West Virginia $670,703,414

Hawaii $825,111,094

Montana $883,596,689

Maine $968,360,302

Delaware $974,964,213

Iowa $981,822,623

New Hampshire $1,102,344,467

Idaho $1,392,594,215

Connecticut $1,546,607,244

Utah $1,591,379,401

Mississippi $1,755,974,777

Nebraska $1,771,070,125

Arkansas $1,990,623,123

Alaska $2,006,444,829

Kansas $2,134,748,843

Oregon $2,154,563,200

New Mexico $2,170,951,744

Kentucky $2,237,219,492

Wisconsin $2,389,926,172

Massachusetts $2,553,634,898

Louisiana $2,879,017,111

Missouri $3,244,827,366

Oklahoma $3,341,718,984

Michigan $3,501,873,873

Indiana $3,546,867,731

South Carolina $3,550,867,579

New York $4,047,008,177

Alabama $4,062,113,100

New Jersey $4,238,311,929

Minnesota $4,386,085,395

Pennsylvania $4,770,990,699

Tennessee $5,016,763,251

Nevada $5,248,707,020

Illinois $5,385,023,431

Ohio $6,167,020,816

Colorado $7,710,696,001

Arizona $7,853,598,297

North Carolina $8,810,625,907

Washington $8,854,823,594

Georgia $9,848,708,918

Maryland $12,267,350,261

Florida $17,504,655,703

Texas $20,756,037,539

Virginia $20,779,919,234

California $34,528,707,390

United States TOTAL $246,941,494,556

Puerto Rico $908,137,805

Other US Possessions $64,983,324

Total Active Loan Amounts Beginning FY 2001 $247,914,615,685

Source: LGY SAS Program
Appendix A Geographic Distribution of Data

175

ND

$360,073 $4,386,085

MN

IA

$981,823

WA

$8,854,824

CA

$34,528,707

MT

$883,597

OR

$2,154,563 ID

$1,392,594

NV

$5,248,707 UT

$1,591,379

AZ

$7,853,598

AK

$2,006,445

WY

$548,624

CO

$7,710,696

NM

$2,170,952

SD

$490,170

NE

$1,771,070

KS

$2,134,749

OK

$3,341,719

TX

$20,756,038

HI

$825,111 Less than $1,000,000

$1,000,000 - $2,999,999

$3,000,000 - $9,999,999

$10,000,000 - $19,999,999

$20,000,000+

MO

$3,244,827

$1,990,623

AR

 LA

$2,879,017

WI

$2,389,926

IL

$5,385,023

IN

$3,546,868 MI

$3,501,874

 KY

$2,237,219

 TN

$5,016,763

MS

$1,755,975

AL

$4,062,113

GA

$9,848,709 FL

$17,504,656

 SC

$3,550,868

 NC 

$8,810,626

 

OH

$6,167,021

 PA

$4,770,991

 NY

$4,047,008

ME

$968,360

 VA

$20,779,919

 WV

$670,703

NH

$1,102,344

VT

$210,603

 MA

 $2,553,635

 

$580,499

 RI

 CT

$1,546,607

NJ

 $4,238,312

 DE

$974,964

 MD

$12,267,350

DC

$346,566

Legend

Active Home Loan Amounts

(in thousands)

ACTIVE HOME LOAN AMOUNTS

BEGINNING FY 2001

(United States Total - $246,941,494,556)
Appendix B VBA Regional Office Addresses

VBA REGIONAL OFFICE MAILING ADDRESSES

ALABAMA

VA Regional Office

345 Perry Hill Road

Montgomery, AL 36109-3798

ALASKA

VA Outpatient Clinic & Regional Office

2925 Debarr Road

Anchorage, AK 99508-2989

ARIZONA

VA Regional Office

3225 North Central Avenue

Phoenix, AZ 85012-2405

ARKANSAS

VA Regional Office

P.O. Box 1280

North Little Rock, AR 72115-1280

CALIFORNIA

VA Regional Office

Federal Building

11000 Wilshire Blvd.

Los Angeles, CA 90024-3602

CALIFORNIA

VA Regional Office

Oakland Federal Building

1301 Clay Street - Suite 1300N

Oakland, CA 94612-5209

CALIFORNIA

VA Regional Office

8810 Rio San Diego Drive

San Diego, CA 92108-1508

COLORADO

VA Regional Office

P.O. Box 25126

Denver, CO 80225-0126

CONNECTICUT

VA Regional Office

450 Main Street

Hartford, CT 06103-3077

DELAWARE

VA Medical and Regional Office Center

1601 Kirkwood Highway

Wilmington, DE 19805-4988

DISTRICT OF COLUMBIA

VA Regional Office

1120 Vermont Avenue, NW

Washington, DC 20421-1111

FLORIDA

VA Regional Office

P.O. 1437

St. Petersburg, FL 33708

GEORGIA

VA Regional Office

1700 Clairmont Rd.

Decatur, GA 30333-4032

HAWAII

VA Medical & Regional Office Center

300 Ala Moana Blvd.

Honolulu, HI 96813

IDAHO

VA Regional Office

805 W. Franklin Street

Boise, ID 83702-5560

ILLINOIS

VA Regional Office

536 S. Clark Street

Chicago, IL 60605-1523
Appendix B VBA Regional Office Addresses

177

INDIANA

VA Regional Office

575 North Pennsylvania Street

Indianapolis, IN 46204-1526

IOWA

VA Regional Office

210 Walnut Street - Room 1063

Des Moines, IA 50309-9825

KANSAS

VA Medical and Regional Office Center

5500 E. Kellogg

Wichita, KS 67218-1698

KENTUCKY

VA Regional Office

545 S. 3rd Street

Louisville, KY 40202-3835

LOUISIANA

VA Regional Office

701 Loyola Avenue - Room 4210

New Orleans, LA 70113-1912

MAINE

VA Medical and Regional Office Center

1 VA Center

Bldg. 248, Room 103

Togus, ME 04330-6795

MARYLAND

VA Regional Office

Federal Building

31 Hopkins Plaza - Room 233

Baltimore, MD 21201-0001

MASSACHUSETTS

VA Regional Office

John F. Kennedy Building

Government Center - Room 1265

Boston, MA 02203-0393

MICHIGAN

VA Regional Office

Patrick V. McNamara Federal Bldg.

477 Michigan Avenue - Room 1400

Detroit, MI 48226-2591

MINNESOTA

VA Regional Office

One Federal Drive

St. Paul, MN 55111-4050

MISSISSIPPI

VA Regional Office

1600 East Woodrow Wilson Avenue

Jackson, MS 39216-5102

MISSOURI

VA Regional Office

400 South 18th Street

St. Louis, MO 63103-2676

MONTANA

VA Medical and Regional Office Center

Williams Street

Fort Harrison, MT 59636-9999

NEBRASKA

VA Regional Office

5631 S. 48th Street

Lincoln, NE 68516-4198

NEVADA

VA Regional Office

1201 Terminal Way

Reno, NV 89520-0118

NEW HAMPSHIRE

VA Regional Office

Norris Cotton Federal Bldg.

275 Chestnut Street

Manchester, NH 03101-2489
Appendix B VBA Regional Office Addresses

178

NEW JERSEY

VA Regional Office

20 Washington Place

Newark, NJ 07102-3174

NEW MEXICO

VA Regional Office

Dennis Chavez Federal Bldg.

500 Gold Avenue, SW

Albuquerque, NM 87102-3118

NEW YORK

VA Regional Office Federal Building

111 West Huron Street

Buffalo, NY 14202-2368

NEW YORK

VA Regional Office

245 W. Houston Street

New York, NY 10014-4805

NORTH CAROLINA

VA Regional Office Federal Building

251 North Main Street

Winston-Salem, NC 27155-1000

NORTH DAKOTA

VA Medical & Regional Office Center

2101 Elm Street

Fargo, ND 58102-2417

OHIO

VA Regional Office

Anthony J. Celebreeze Federal Building

1240 East Ninth Street

Cleveland, OH 44199-2001

OKLAHOMA

VA Regional Office Federal Building

125 South Main Street

Muskogee, OK 74401-7025

OREGON

VA Regional Office

Federal Building

1220 Southwest 3rd Avenue Room 1217

Portland, OR 97204-2825

PENNSYLVANIA

VA Regional Office and Insurance Center

P.O. Box 8079

Philadelphia, PA 19101-8079

PENNSYLVANIA

VA Regional Office

1000 Liberty Avenue

Pittsburgh, PA 15222-4004

PHILIPPINES

U.S. Department of Veterans Affairs

FPO AP 96515-1110

Manila, PI 1000

PUERTO RICO

VA Regional Office

P.O. Box 364867

San Juan, PR 00936-4867

RHODE ISLAND

VA Regional Office

380 Westminster Mall

Providence, RI 02903-3246

SOUTH CAROLINA

VA Regional Office

1801 Assembly Street

Columbia, SC 29201-2495

SOUTH DAKOTA

VA Medical and Regional Office Center

P.O. Box 504

Sioux Falls, SD 57117-5046
Appendix B VBA Regional Office Addresses

179

TENNESSEE

VA Regional Office

110 Ninth Avenue, South

Nashville, TN 37203-3817

TEXAS

VA Regional Office

6900 Almeda Road

Houston, TX 77030-4200

TEXAS

VA Regional Office

One Veterans Plaza

701 Clay Avenue

Waco, TX 76799-0001

UTAH

VA Regional Office

Federal Bldg.

125 South State St.

Salt Lake City, UT 84147-0500

VERMONT

VA Medical and Regional Office Center

215 N. Main Street

White River Junction, VT 05009-0001

VIRGINIA

VA Regional Office

210 Franklin Road, SW

Roanoke, VA 24011-2204

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

WISCONSIN

VA Regional Office

5000 W. National Avenue - Bldg. 6

Milwaukee, WI 53295-0006

WYOMING26

2360 E. Pershing Blvd.

Cheyenne, WY 82001

 

26 The Denver Regional Office serves the state of Wyoming. The local address provided is for the Benefits Office.
Appendix C Contacting VA By Telephone

180

CONTACTING VA BY TELEPHONE

General Benefits

Disability Compensation, Pension, Vocational

Rehabilitation, and Home Loans

1-800-827-1000 *

Education & Training 1-888-GI BILL 1 *

(1-888-442-4551)

Burial, Headstones, and Markers 1-800-697-6947 *

VA Life Insurance 1-800-669-8477 *

Healthcare Benefits

Veterans Healthcare 1-800-827-1000 *

Veterans Healthcare in Canada 1-800-296-6379

Veterans Healthcare in Philippines 011-632-833-4566

Veterans Healthcare in all Other Countries 1-303-331-7590

National Mammography Helpline 1-888-492-7844 *

CHAMPVA 1-800-733-8387 *

Miscellaneous

Telecommunication Device for the Deaf (TDD) 1-800-829-4833 *

Gulf War Hotline 1-800-PGW-VETS*

* Indicates toll-free numbers
Appendix D WEB SITES

181

WEB SITES

Web sites where additional information may be obtained about VA.

VA WEB SITES

Board of Veterans Appeals http://www.va.gov/vbs/bva/index.htm

Center for Minority Veterans http://www.va.gov/minority/index.htm

Center for Women Veterans http://www.va.gov/womenvet/index.htm

Compensation & Pension Benefits Home Page http://www.vba.va.gov/bln/21/internet.htm

Education Benefits Home Page http://www.gibill.va.gov

Health Benefits & Services http://www.va.gov/vbs/health/index.htm

Home Loan Guaranty Service Home Page http://www.homeloans.va.gov

Homeless Program Web Page http://www.va.gov/health/homeless

Hot Topics http://www.va.gov/hottopic/index.htm

Life Insurance Program Home Page http://www.insurance.va.gov.

National Cemetery Administration Home Page http://www.cem.va.gov

Public Affairs & Special Events http://www.va.gov/opa/index.htm

VA Home Page – Department of Veterans Affairs http://www.va.gov

VA’s Office of Congressional Affairs Home Page http://www.va.gov/oca/index.htm

VBA Forms Page http://www.vba.va.gov/pubs/forms1.htm

Veterans Benefits Administration http://www.vba.va.gov

Vocational Rehabilitation & Employment Services http://www.vba.va.gov/bln/vre/vbsvre.htm

What’s New http://www.va.gov/whatsnew/index.htm

CONGRESSIONAL WEB SITES

House Committee on Veterans Affairs http://veterans.house.gov

House of Representatives http://www.house.gov

Senate http://www.senate.gov

Senate Committee on Veterans Affairs http://www.senate.gov/~veterans

WHITE HOUSE WEB SITE

White House http://www.whitehouse.gov
182
INDEX

A Page

Active Home Loan Guaranties - Beginning FY 2001 115

Active Home Loans Based on Gender - Beginning FY 2001 118

Active Loans - Based on Age - Beginning FY 2001 117

Active Purchase Loans Based on Buyer Status - Beginning FY 2001 116

Active Purchase Loans by Downpayment Status - Beginning FY 2001 115

Addresses of Regional Offices 176

Age Distribution for Insurance Programs 111

Age Distribution of Active Home Loan Guaranties - Beginning FY 2001 117

Age Distribution of Borrower - Loans Guaranteed During FY 2000 51

Age Distribution of Children Receiving DIC - Beginning FY 2001 103

Age Distribution of Compensation Recipients - Beginning FY 2001 98

Age Distribution of Surviving Spouses Receiving Death Pension - Beginning FY 2001 106

Age Distribution of Surviving Spouses Receiving DIC - Beginning FY 2001 102

Age Distribution of Veterans Entitled to Vocational Training During FY 2000 56

Age Distribution of Veterans Receiving Pension - Beginning FY 2001 104

Age Distribution of Veterans Who Began Receiving Compensation During FY 2000 31

Age Distribution of Veterans Who Successfully Achieved Rehabilitation - FY 2000 76

Age Distribution of Vocational Training Applicants During FY 2000 54

Age Distribution of Vocational Training Program Participants During FY 2000 60

Age Distribution of VR&E Program Participants - Beginning FY 2001 122

Age of Children Who Began Receiving DIC During FY 2000 39

Age of Surviving Spouses Who Began Receiving Death Pension During FY 2000 42

Age of Surviving Spouses Who Began Receiving DIC During FY 2000 38

Age of Veterans Who Began Receiving Pension During FY 2000 40

Annual Earnings of Veterans Who Completed Rehabilitation Program During FY 2000 75

Annual Income of Eligible Borrower - Loans Guaranteed During FY 2000 50

Applications for a Program of Rehabilitation and Employment Services 53

Applications for Compensation by Number of Disabilities Claimed for FY 2000 18

B

Beneficiaries Leaving the Rolls for All Benefits Programs During FY 2000 65

Beneficiaries Receiving Education Benefits - Beginning FY 2001 107

Beneficiaries Who Began Receiving Benefits for Training During FY 2000 15

Beneficiaries Who Began Receiving Death Pension During FY 2000 41

Beneficiaries Who Began Receiving DIC During FY 2000 37

Beneficiaries Who Began Receiving DIC During FY 2000 - By Relationship 38

Beneficiaries Who Began Receiving Education Benefits During FY 2000 43

Beneficiaries Who Began Receiving Ongoing Monthly Benefits During FY 2000 15

Beneficiaries Who Obtained Coverage - Programs that Constitute Potential Liabilities - FY 2000 16

Beneficiaries Whose Educational Assistance Terminated During FY 2000 71

Benefits Programs In Brief 8

Benefits that Constitute Potential Liabilities at the Beginning of FY 2001 79

Benefits that Ended During FY 2000 67

Body System - Most Prevalent Service-connected Disabilities - Began Receiving FY 2000 26

Branch of Service - Original Service-connected Claims Granted During FY 2000 29

Branch of Service - Veterans Who Successfully Achieved Rehabilitation FY 2000 77

Branch of Service - VR&E Program Participants - Beginning FY 2001 123

Business Beginning of Fiscal Year 2001 79

Business During FY 2000 15

Buyer Status of Loans Guaranteed During FY 2000 49
 Index

184

C Page

Characteristics of Home Loan Guaranties - Beginning FY 2001 115

Characteristics of Home Loan Guaranties During FY 2000 48

Characteristics of the Training Being Pursued - Began Using During FY 2000 43

Characteristics of Training Being Pursued by Beneficiaries - Beginning FY 2001 108

Children Who Began Receiving DIC During FY 2000 39

Combined Degree of Disability - Total Veterans - Beginning FY 2001 81

Combined Degree of Disability - Veterans Entitled to Vocational Training During FY 2000 56

Combined Degree of Disability - Vocational Training Applications During FY 2000 53

Combined Percent of Disability - Compensation Recipients - Beginning FY 2001 99

Compensation Program - In Brief 8

Compensation Program Liability 126

Conditions Claimed & Disabilities for Which Compensation is Being Paid 17

Contacting VA by Telephone 180

D

Death Rates 132

Death Rates - TABLE - Comparison - U.S. Population and Veteran Compensation Experience 133

Delimiting Date - Educational Assistance Terminated - FY 2000 71

Demographic Characteristics - Veterans Participating in a VR&E Program - Beginning FY 2001 121

Demographic Characteristics of Beneficiaries Receiving Death Pension - Beginning FY 2001 106

Demographic Characteristics of Beneficiaries Who Began Receiving DIC During FY 2000 38

Demographic Characteristics of DIC/Death Compensation Beneficiaries - Beginning FY 2001 100

Demographic Characteristics of Participants Who Completed Vocational Training - FY 2000 76

Demographic Characteristics of People Who Obtained Home Loan Guaranties During FY 2000 49

Demographic Characteristics of People with Active Guarantied Home Loans Beginning FY 2001 115

Demographic Characteristics of Policyholders Beginning FY 2001 111

Demographic Characteristics of Surviving Spouses Who Began Receiving Pension - FY 2000 42

Demographic Characteristics of Veterans Receiving Compensation - Beginning FY 2001 98

Demographic Characteristics of Veterans Receiving Disability Pension - Beginning FY 2001 104

Demographic Characteristics of Veterans Who Began Receiving Pension During FY 2000 40

Demographic Characteristics of Veterans with Service-Connected Disabilities 31

Dependency Status - Surviving Spouses Receiving DIC - Beginning FY 2001 102

Dependency Status - VR&E Participants - Beginning FY 2001 124

Dependency Status of Veterans Who Completed Vocational Training Program FY 2000 77

Dependency Status of Vocational Training Program Participants During FY 2000 61

Dependents Educational Assistance Program (DEA) 11

Direct Loans to Native American Veterans During FY 2000 48

Disabilities Most Frequently Service-Connected - Began FY 2000 30

Discounted Estimated Future Benefit Payments - TABLE - FY 2000 - FY 2070 and Later 128

Discounted Estimated Future Compensation Payments 127

Disposition of Home Loan Guaranties Terminated During FY 2000 73

Distribution of Active Home Loans Based on Gender - Beginning FY 2001 118

Distribution of Active Purchase Loan Guaranties by Race – Beginning FY 2001 118

Distribution of New Loan Guaranties by “First Time Buyer” Status 49

Distribution of Training Time and Program - Beneficiaries Who Began Using Benefits - FY 2000 44

Downpayment Status - Active Purchase Loans - Beginning FY 2001 115

Downpayment Status - Loans Guaranteed During FY 2000 48
 Index

185

E Page

Education – In Brief 10

Employment Services - Preparing and Searching for a Suitable Job 62

Entitlement Exhausted - Educational Assistance Terminated - FY 2000 71

Estimate of Compensation Program Liability as of September 30, 2000 126

Estimated Future Benefit Payments 127

Estimated Future Benefit Payments (Regular Monthly Benefits) - TABLE - FY2000 - FY 2069 128

Estimated Future Benefit Payments for FY 2000 - FY 2069 129

Evaluation and Planning or Extended Evaluation 54

Evolution of Veteran’s Benefits 2

F

First Time Buyer Status - Home Loan Guaranties – Beginning FY 2001 116

Forecasting Program Liabilities 125

G

Gender Distribution - Active Home Loans - Beginning FY 2001 118

Gender Distribution - Participants in a Vocational Training Program - Beginning FY 2001 122

Gender Distribution - Pre- and Post-Training Annual Earnings During FY 2000 75

Gender Distribution - VR&E Program Participants - Beginning FY 2001 122

Gender Distribution Applicants for Vocational Rehabilitation During FY 2000 54

Gender Distribution of Veterans Granted Service Connection During FY 2000 32

Gender Distribution of Veterans Participating in Vocational Training Program During FY 2000 59

Gender Distribution of Veterans Who Completed Vocational Program During FY 2000 76

Gender Distribution of Vocational Training Applicants During FY 2000 54

Gender Distribution of Vocational Training Program Participants During FY 2000 59

Government Life Insurance - In Brief 11

Grants and Denials by Individual Disabilities Claimed During FY 2000 35

Grants and Denials for Service-Connected Disability Claims During FY 2000 35

H

Home Loan Guaranty - In Brief 12

Home Loan Guaranty Entitlements - Summary 13

Home Loans Guaranteed During FY 2000 47

Home Loans Guaranteed During FY 2000 Based on Age 51

Home Loans Guaranteed During FY 2000 Based on Annual Income 50

I

Individual SC Disabilities by Body System and Degree of Disability - Beginning FY 2001 83

Individual Service-Connected Disabilities by Body System 21

Insurance Coverage Issued During FY 2000 45

Insurance Payments (Dividends, Loans, and Disability Payments) Made During FY 2000 46

Insurance Payments During FY 2000 - Death Claims, Matured Endowment, and Cash Surrender 72

Insurance Payments Made on a Monthly Basis - Beginning FY 2001 109

Insurance Policies In Force - Beginning FY 2001 109

Introduction to VBA and Its Benefits Programs 1
 Index

186

L Page

Length of Service - Original Service-Connected Claims Granted During - FY 2000 34

Length of Service - Veterans Who Successfully Achieved Rehabilitation - FY 2000 77

Length of Service - Vocational Training Program Participants During FY 2000 61

Length of Service - VR&E Program Participants - Beginning FY 2001 123

Liability for Future Compensation Benefits 126

Life Insurance - Coverage Established During FY 2000 45

Life Insurance - In Brief 11

Life Insurance Policies Paid Off During FY 2000 72

Life Insurance Policies that Lapsed During FY 2000 73

Life Insurance Programs that Issue Coverage 12

Life Insurance Programs that No Longer Issue Coverage 12

Loan Guaranty - In Brief 12

Loans Guaranteed During FY 2000 Based on Age 51

Loans Guaranteed During FY 2000 Based on Annual Income 50

Loans Guaranteed During FY 2000 by Period of Service or Entitlement 49

M

Marital Status of Parents Who Began Receiving DIC During FY 2000 39

Marital Status of Surviving Parents - DIC Recipients - Beginning FY 2001 103

Military Branch & Component - SGLI Coverage 113

Mission Statement 1

Montgomery GI Bill - Active Duty (MGIB) 10

Montgomery GI Bill - Selected Reserve (MGIB-SR) 11

Monthly Benefits During Training at the Beginning of FY 2001 79

Most Common Reasons Compensation Payments Ended During FY 2000 68

Most Common Reasons Death Pension Payments Ended During FY 2000 70

Most Common Reasons DIC and Death Compensation Payments Ended During FY 2000 68

Most Common Reasons Disability Pension Payments Ended During FY 2000 69

Most Prevalent Disabilities - Peacetime Periods 97

Most Prevalent Disabilities - Gulf War Era 96

Most Prevalent Disabilities - Korean War 94

Most Prevalent Disabilities - Vietnam Era 95

Most Prevalent Disabilities - WWII 93

Most Prevalent Service-Connected Disabilities – Beginning of FY 2001 92

Most Prevalent Service-Connected Disabilities by Body System - Began Receiving FY 2000 27

Most Prevalent Service-Connected Disabilities within Body Systems - Beginning FY 2001 84

N

Number of Beneficiaries Receiving Death Pension - Beginning FY 2001 106

Number of Beneficiaries Receiving DIC/Death Compensation - Beginning FY 2001 100

Number of Disabilities Determined to Be Service-Connected During FY 2000 19

Number of Disabilities Per Claim - FY 2000 18

Number of Individual Service-Connected Disabilities – Beginning FY 2001 82

Number of Original and Subsequent Compensation Claims During FY 2000 34

Number of Policyholders and Value of Coverage - Beginning FY 2001 109

Number of SGLI Members Covered in $10,000 Increments 113

Number of Veterans Receiving Disability Pension - Beginning FY 2001 104

Number of Veterans Who Began Receiving Compensation During FY 2000 17

Number of Veterans Who Received Employment Services During FY 2000 63

Number of Vocational Training Program Training Plans Developed During FY 2000 57
 Index

187

O Page

Occupational Category - Pre and Post-Training Annual Earnings During FY 2000 75

Occupational Goals and Training Activities - Vocational Training Program - During FY 2000 58

Occupational Goals/Training Activities - Participants in VR&E Program - Beginning FY 2001 120

Ongoing Monthly Benefits at the Beginning of FY 2001 79

Original and Subsequent Claims 34

Original and Subsequent Compensation Claims During FY 2000 34

Original Service-Connected Claims Granted During FY 2000 by Branch of Service 33

Original Service-Connected Claims Granted During FY 2000 by Length of Service 34

Original Service-Connected Claims Granted During FY 2000 by Period of Service 33

Outstanding Home Loans Based on Age - Beginning FY 2001 117

P

Parents Receiving DIC by Marital Status - Beginning FY 2001 103

Parents Who Began Receiving DIC During FY 2000 38

Parents Who Began Receiving DIC During FY 2000 by Marital Status 39

Participants - VR&E Programs During FY 2000 52

Participants of Vocational Training Program with Serious Employment Handicap During FY 2000 59

Participating in a Program of Rehabilitation Services 57

Pension - In Brief 9

Percentage of Grants & Denials of Original Claims for Service-Connection - During FY 2000 36

Period of Service - Compensation Recipients – Beginning FY 2001 99

Period of Service - Original Service-connected Claims Granted During FY 2000 33

Period of Service - Veterans Who Successfully Achieved Rehabilitation FY 2000 78

Period of Service - VR&E Program Participants - Beginning FY 2001 123

Period of Service Distribution – DIC/Death Compensation Beneficiaries - Beginning FY 2001 100

Period of Service Distribution of Death Pension Recipients - Beginning FY 2001 107

Period of Service Distribution of Veterans Receiving Pension - Beginning FY 2001 105

Period of Service or Entitlement - Active Home Loans - Beginning FY 2001 116

Period of Service or Entitlement - Loans Guaranteed During FY 2000 49

Policies that Lapsed During FY 2000 - Life Insurance 73

Policies that were Paid Off During FY 2000 - Life Insurance 72

Post-Vietnam Era Veterans Educational Assistance Program (VEAP) 10

Pre- and Post Training Annual Earnings by Gender 75

Pre- and Post-Training Annual Earnings - Vocational Rehabilitation Program - FY 2000 75

Prior Education Level - VR&E Program Participants - Beginning FY 2001 124

Prior Education Level of Vocational Training Program Participants During FY 2000 62

Prior Educational Level of Veterans Who Completed Vocational Training During FY 2000 76

Prior Use of VA Education Benefits - VR&E Program Participants - Beginning FY 2001 124

Prior Use of VA Educational Benefits - Participants Vocational Training Program - FY 2000 62

Programs that Constitute Potential Liabilities - Obtained Coverage During FY 2000 16

Programs that Pay Monthly Benefits During Training - Beginning FY 2001 79

Projected FY 2000 Newly Adjudicated Compensation Cases - TABLE - Age & Gender 135

Purchase Loans Guaranteed During FY 2000 Based on Buyer Status 49

Purchase Loans Guaranteed During FY 2000 by Downpayment Status 48

Purchase Loans Vs. Refinance Loans – Beginning FY 2001 115

Purpose of VBA’s Annual Benefits Report 1

R

Race Distribution of Borrower - Loans Guaranteed During FY 2000 51

Race Distribution of Veterans Granted Service Connection During FY 2000 32

Race Information - Active Purchase Loans - Beginning FY 2001 118

Ranking Among Commercial Life Insurance Companies` 111

Ranking of Individual Service-Connected Disabilities by Body System - Began Receiving FY 2000 21
 Index

188

Page

Ranking of Individual Service-Connected Disabilities by Body System - Beginning FY 2001 83

Rates of Newly Adjudicated Compensation Cases 134

Rates of Newly Adjudicated Compensation Cases for Veterans - TABLE - Age & Gender 136

Reasons Compensation Payments Ended During FY 2000 68

Reasons Death Pension Payments Ended During FY 2000 70

Reasons Disability Pension Payments Ended During FY 2000 69

Reasons Service-Connected Death Benefits Ended During FY 2000 68

Reasons Vocational Rehabilitation Program Ended During FY 2000 74

Relationship of Beneficiaries Who Began Receiving DIC During FY 2000 38

Relationship to Veteran - DIC Beneficiaries - Beginning FY 2001 102

S

Serious Employment Handicap - Veterans Entitled to Vocational Training During FY 2000 57

Serious Employment Handicap - Veterans Who Completed Training During FY 2000 74

Serious Employment Handicap - VR&E Training Program Participants - Beginning FY 2001 122

Service-connected Disabilities by Combined Percent - Began Receiving During FY 2000 20

Service Period of Veterans Entitled to Vocational Training During FY 2000 57

Service Period of Vocational Training Program Participants During FY 2000 60

Service-Connected Disabilities by Body Systems 21

Service-Connected Disabilities-by Percent and Body System-Began Receiving FY 2000 22

Service-Connected Disability Compensation by Percentage During FY 2000 36

Service-Connected Disability Grants and Denials by Individual Disability During FY 2000 35

SGLI Coverage 112

SGLI Coverage in $10,000 Increments 113

Special Adapted Housing Grants and Direct Loans to Native American Veterans During FY 2000 48

Summary of Active Accounts for All Benefits Programs - Beginning FY 2001 79

Summary of Beneficiaries Entering All Benefits Program Rolls During FY 2000 15

Surviving Spouses Who Began Receiving Death Pension by Program During FY 2000 42

Surviving Spouses Who Began Receiving DIC During FY 2000 39

T

Table 2 - Estimated Future Benefit Payments 128

Table 2 - Discounted Estimated Future Compensation Payments 130

Table 4 - Veterans Receiving Compensation 131

Table 5 - Death Rates 133

Table 6 - Rates of Newly Adjudicated Compensation Cases 135

Telephone Numbers - General Benefits, Healthcare Benefits, Miscellaneous 180

The 20 Most Prevalent Service-Connected Disabilities - Beginning FY 2001 92

The Future - Forecasting Program Liabilities 125

Training Plans Developed During FY 2000 - VR&E Program 57

Training Time and Program - Beginning FY 2001 108

Training Time Distribution - Beneficiaries Who Began Receiving Education Benefits - FY 2000 44

Training Type and Program for Beneficiaries Who Began Using Education Benefits - FY 2000 44

Type of Training - Participants in a Vocational Training Program - Beginning FY 2001 120

Type of Training Activity by Gender - Vocational Training During FY 2000 56

Type of Training and Program - Beginning FY 2001 108

Type of Training Distribution - Beneficiaries Who Began Receiving Education Benefits - FY 2000 43

Type of Training Distribution - Vocational Training Program During FY 2000 59

Types of Home Loans Guaranteed During FY 2000 47

V

VA Web Sites 181

VBA Regional Office Addresses 176
 Index

189

Page

Veteran Participants - VR&E Programs - Beginning FY 2001 119

Veterans Ending Participation in a Vocational Training Program During FY 2000 74

Veterans Entitled to Vocational Training with a Serious Employment Handicap During FY 2000 57

Veterans Participating in a Vocational Training Program by Branch of Service During FY 2000 60

Veterans Participating in a Vocational Training Program by Dependency Status During FY 2000 61

Veterans Participating in a Vocational Training Program by Length of Service During FY 2000 61

Veterans Participating in a Vocational Training Program by Period of Service During FY 2000 60

Veterans Receiving Compensation as of September 30, 2000 - TABLE - by Age & Gender 131

Veterans Receiving Compensation Benefits at the Beginning of FY 2001 80

Veterans Receiving Compensation by Combined Percent - Beginning FY 2001 81

Veterans Who Began Receiving Disability Pension During FY 2000 40

Veterans with a Serious Employment Handicap Who Completed Training During FY 2000 74

Vision Statement 1

Vocational Rehabilitation and Employment - In Brief 14

Vocational Rehabilitation and Employment Participants During FY 2000 52

Vocational Rehabilitation Program Terminations During FY 2000 74

Vocational Training Applicants During FY 2000 - by Combined Degree of Disability 54

Vocational Training Applicants During FY 2000 - by Gender 54

Vocational Training Program by Occupational Goal - Beginning FY 2001 120

Vocational Training Program by Type of Training and Gender - Beginning FY 2001 121

Vocational Training Program Participants - Prior Education Level 61

Vocational Training Program Participants by Occupational Goal During FY 2000 58

VR&E Program Participants - Beginning FY 2001 121

VR&E Program Participants - by Age - Beginning FY 2001 122

VR&E Program Participants - by Branch of Service - Beginning FY 2001 123

VR&E Program Participants - by Dependency Status - Beginning FY 2001 124

VR&E Program Participants - by Gender - Beginning FY 2001 121

VR&E Program Participants - by Length of Service - Beginning FY 2001 123

VR&E Program Participants - by Period of Service - Beginning FY 2001 123

VR&E Program Participants - by Prior Education Level - Beginning FY 2001 124

VR&E Program Participants - by Prior Use of VA Benefits - Beginning FY 2001 124

VR&E Program Participants with Serious Employment Handicap - Beginning FY 2001 122

W

Web Sites 181

INDEX TO TABLES

TABLE NUMBER TABLE TITLE PAGE

Chapter 1 Introduction to VBA and Its Benefits Programs

Table 1 Insurance Programs that No Longer Issue Coverage 12

Table 2 Insurance Programs that Issue Coverage 12

Table 3 Summary of Home Loan Guaranty Entitlements 14

Table 4 VR&E Program & Statutory Authority 14

Chapter 2 Business During FY 2000

Table 1 Summary of Beneficiaries Who Began Receiving Benefits

for Programs that Pay Ongoing Monthly Benefits During FY

2000

15

Table 2 Summary of Beneficiaries Who Began Receiving Benefits

for Programs that Pay Monthly Benefits During Training

During FY 2000

16

Table 3 Summary of Beneficiaries Who Obtained Coverage During

FY 2000 Benefit Programs that Constitute Potential

Liabilities

16

Table 4 Total Number of Veterans Who Began Receiving

Compensation During FY 2000

17

Table 5 Applications for Service-Connected Disability Compensation

by Number Of Disabilities Claimed for FY 2000

18

Table 6 Total Individual Service-Connected Disabilities - by Percent

for Veterans Who Began Receiving Compensation During

FY 2000

19

Table 7 Service-Connected Disabilities - by Combined Percent for

Veterans Who Began Receiving Compensation During FY

2000

20

Table 8 Ranking of Individual Service-Connected Disabilities by Body

System for Veterans Who Began Receiving Compensation

During FY 2000

21

Table 9 Total Individual Service-Connected Disabilities by Percent

and Body Systems For Veterans Who Began Receiving

Compensation During FY 2000

22

Table 10 Most Common Service-Connected Disabilities within Body

Systems for Veterans Who Began Receiving Compensation

During FY 2000

27

Table 11 Disabilities Most Frequently Service-Connected for Veterans

Who Began Receiving Compensation During FY 2000

30

Table 12 Service-connected Compensation by Age for Veterans Who

Began Receiving Compensation During FY 2000

31

Table 13 Service-Connected Disability Original Claims Granted - By

Gender During FY 2000

32

Table 14 Service-Connected Disability Original Claims Granted - By

Race During FY 2000

32

Table 15 Service-Connected Disability Original Claims Granted - By

Period Of Service During FY 2000

33
 Index To Tables

192

Chap. 2 – cont. PAGE

Table 16 Service-Connected Disability Original Claims Granted - By

Branch Of Service During FY 2000

33

Table 17 Service-Connected Disability Original Claims Granted by

Length of Service During FY 2000

34

Table 18 Original and Subsequent Disability Compensation Claims

During FY 2000

34

Table 19 Subsequent Reopened Compensation Claims Decided by

Rating During FY 2000 By Age of the Veteran

35

Table 20 Service-Connected Disability Grants and Denials by

Individual Disabilities Claimed During FY 2000

35

Table 21 Service-Connected Disability Grants by Individual Disability

During FY 2000

36

Table 22 Service-Connected Disability Original Claims Granted or

Denied During FY 2000

36

Table 23 Total Beneficiaries Who Began Receiving Dependency and

Indemnity Compensation (DIC) During FY 2000

37

Table 24 Beneficiaries Who Began Receiving DIC by Relationship

During FY 2000

38

Table 25 Surviving Spouses Who Began Receiving DIC by Age

During FY 2000

38

Table 26 Children Who Began Receiving DIC by Age During FY 2000 39

Table 27 Surviving Parents Who Began Receiving DIC by Marital

Status During FY 2000

39

Table 28 Veterans Who Began Receiving Disability Pension by

Program During FY 2000

40

Table 29 Veterans Who Began Receiving Disability Pension by Age

During FY 2000

41

Table 30 Surviving Spouses Who Began Receiving Death Pension by

Program During FY 2000

41

Table 31 Surviving Spouses Who Began Receiving Death Pension By

Age During FY 2000

42

Table 32 Beneficiaries Who Began Receiving Education Benefits

During FY 2000

43

Table 33 Beneficiaries Who Began Receiving Education Benefits by

Type of Training and Program During FY 2000

43

Table 34 Beneficiaries Who Began Receiving Education Benefits by

Training Time and Program During FY 2000

44

Table 35 New Insurance Coverage Issued During FY 2000 45

Table 36 Insurance Payments Made During FY 2000 46

Table 37 Loans Guaranteed During FY 2000 47

Table 38 Loans Guaranteed During FY 2000 Based on Purchase

Loan Versus Refinance Loans

47

Table 39 Specially Adapted Housing Grants and Direct Loans During

FY 2000

48

Table 40 Purchase Loans Guaranteed During FY 2000 by

Downpayment Status

48

Table 41 Purchase Loans Guaranteed During FY 2000 Based on

Buyer Status

49

Table 42 Loans Guaranteed During FY 2000 By Period of Service (or

Entitlement)

49

Table 43 Purchase Loans Guaranteed During FY 2000 Based on

Annual Income

50
 Index To Tables

193

Chap. 2 – cont. PAGE

Table 44 Home Loans Guaranteed During FY 2000 Based on Age 51

Table 45 Purchase Loans Guaranteed During FY 2000 Based on

Known Racial Codes

51

Table 46 Veterans Participating In The Vocational Rehabilitation

Programs During FY 2000

52

Table 47 Applicants For Vocational Rehabilitation By Combined

Degree Of Disability During FY 2000

53

Table 48 Applicants For Vocational Rehabilitation By Gender During

FY 2000

54

Table 49 Applicants For Vocational Rehabilitation By Age During FY

2000

54

Table 50 Veterans Entitled to Vocational Rehabilitation By Combined

Degree Of Disability During FY 2000

56

Table 51 Veterans Entitled to Vocational Rehabilitation By Gender

During FY 2000

56

Table 52 Veterans Entitled to Vocational Rehabilitation By Age During

FY 2000

56

Table 53 Veterans Entitled to Vocational Rehabilitation By Period Of

Service During FY 2000

57

Table 54 Veterans Entitled to Vocational Rehabilitation With A Serious

Employment Handicap During FY 2000

57

Table 55 Veterans Participating In A Vocational Rehabilitation

Program Number Of New Rehabilitation Plans Developed

During FY 2000

57

Table 56 Veterans Participating In A Vocational Training Program By

Occupational Goal During FY 2000

58

Table 57 Veterans Participating In A Vocational Training Program By

Type Of Training And Gender During FY 2000

59

Table 58 Veterans Participating In A Vocational Training Program

With Serious Employment Handicap During FY 2000

59

Table 59 Veterans Participating In A Vocational Training Program By

Gender During FY 2000

59

Table 60 Veterans Participating In A Vocational Training Program By

Age During FY 2000

60

Table 61 Veterans Participating In A Vocational Training Program By

Period Of Service During FY 2000

60

Table 62 Veterans Participating In A Vocational Training Program By

Branch Of Service During FY 2000

60

Table 63 Veterans Participating In A Vocational Training Program By

Length Of Service During FY 2000

61

Table 64 Veterans Participating In A Vocational Training Program By

Dependency Status During FY 2000

61

Table 65 Veterans Participating In A Vocational Training Program By

Prior Education Level During FY 2000

61

Table 66 Veterans Participating In A Vocational Training Program By

Prior Use Of VA Education Benefits During FY 2000

62

Table 67 Veterans Participating In A Vocational Training Program

Veterans Who Entered Employment Services During FY

2000

63
 Index To Tables

194

Chap. 2 – cont. PAGE

Table 68 Veterans In Active Cases Statuses During FY2000 By Race 64

Table 69 Summary of All Active Benefits That Ended During FY 2000 66

Table 70 Service-Connected Disability Compensation – Reasons for

Ending Payments During FY 2000

67

Table 71 Service-Connected Death Benefits – Reasons for Ending

Payments During FY 2000

68

Table 72 Nonservice-Connected Disability Pension – Reasons for

Ending Payments During FY 2000

69

Table 73 Nonservice-Connected Death Pension – Reasons for Ending

Payments During FY 2000

70

Table 74 Beneficiaries Whose Benefits Terminated During FY 2000 71

Table 75 Insurance Payments During FY 2000 72

Table 76 Policy Lapses During FY 2000 73

Table 77 Disposition of Home Loans During FY 2000 73

Table 78 Veterans Who Ended a Training Program During FY 2000 74

Table 79 Veterans with a Serious Employment Handicap Who

Completed Training During FY 2000

74

Table 80 Veterans Who Successfully Achieved Rehabilitation Pre And

Post Annual Earnings – By Gender During FY 2000

75

Table 81 Veterans Who Successfully Achieved Rehabilitation Pre and

Post Annual Earnings by Occupational Category During FY

2000

75

Table 82 Veterans Participating In A Vocational Training Program By

Type of Training and Gender During FY 2000

76

Table 83 Veterans Who Successfully Achieved Rehabilitation by Age

During FY 2000

76

Table 84 Veterans Who Successfully Achieved Rehabilitation by Prior

Education Level During FY 2000

76

Table 85 Veterans Who Successfully Achieved Rehabilitation by

Dependency Status During FY 2000

77

Table 86 Veterans Who Successfully Achieved Rehabilitation by

Branch of Service During FY 2000

77

Table 87 Veterans Who Successfully Achieved Rehabilitation by

Length of Service During FY 2000

77

Table 88 Veterans Who Successfully Achieved Rehabilitation by

Period of Service During FY 2000

78

Chapter 3 Business Beginning Fiscal FY 2001

Table 1 Summary of Beneficiaries Receiving Benefits for Programs

that Pay Ongoing Monthly Benefits at the Beginning of FY

2001

79

Table 2 Summary of Beneficiaries Receiving Benefits for Programs

that Pay Monthly Benefits During Training at the Beginning

of FY 2001

79
 Index To Tables

195

Chap. 3 – cont. PAGE

Table 3 Summary of All Benefits that Constitute Potential Liabilities

at the Beginning of FY 2001

80

Table 4 Total Veterans Receiving Service-Connected Disability

Benefits Beginning of FY 2001

80

Table 5 Total Service-Connected Benefits by Combined Percent of

Disability Beginning of FY 2001

81

Table 6 Total Individual Service-Connected Disabilities by Percent

for Veterans Receiving Compensation Beginning of FY 2001

82

Table 7 Ranking of Individual Service-Connected Disabilities by Body

System for Veterans Receiving Compensation Beginning of

FY 2001

83

Table 8 Total Individual Service-Connected Disabilities by Percent

and Body System for Veterans Receiving Compensation

Beginning of FY 2001

84

Table 9 Most Prevalent Service-Connected Disabilities within Body

Systems for Veterans Receiving Compensation Beginning of

FY 2001

89

Table 10 Most Prevalent Disabilities for Veterans Receiving

Compensation Beginning of FY 2001

92

Table 11 Most Prevalent Disabilities – World War II Service Beginning

of FY 2001

93

Table 12 Most Prevalent Disabilities – Korean War Beginning of FY

2001

94

Table 13 Most Prevalent Disabilities – Vietnam Era Service Beginning

of FY 2001

95

Table 14 Most Prevalent Disabilities – Gulf War Era Service

Beginning of FY 2001

96

Table 15 Most Prevalent Disabilities – Peacetime Periods Beginning

of FY 2001

97

Table 16 Service-Connected Disability Compensation by Age

Beginning of FY 2001

98

Table 17 Service-Connected Disability Compensation by Period of

Service and Combined Percent of Disability Beginning of FY

2001

99

Table 18 Total Beneficiaries Receiving Service-Connected Death

Benefits Beginning of FY 2001

100

Table 19 Total Beneficiaries Receiving Service-Connected Death

Benefits by Period of Service Beginning of FY 2001

101

Table 20 Total Beneficiaries Receiving DIC by Relationship Beginning

of FY 2001

102

Table 21 Surviving Spouses Receiving DIC by Age Beginning of FY

2001

102

Table 22 Dependency and Indemnity Compensation (DIC) by

Surviving Spouse and Dependents Beginning of FY 2001

102

Table 23 Children Receiving DIC by Age Beginning of FY 2001 103

Table 24 Surviving Parents Receiving DIC by Marital Status Beginning

of FY 2001

103
 Index To Tables

196

Chap. 3 – cont. PAGE

Table 25 Total Veterans Receiving Disability Pension by Program

Beginning of FY 2001

104

Table 26 Total Veterans Receiving Disability Pension by Age

Beginning of FY 2001

105

Table 27 Nonservice-Connected Disability Pension by Period of

Service Beginning of FY 2001

105

Table 28 Total Beneficiaries Receiving Death Pension by Program

Beginning of FY 2001

106

Table 29 Total Surviving Spouses Receiving Death Pension by Age

Beginning of FY 2001

106

Table 30 Nonservice-Connected Death Pension by Period of Service

Beginning of FY 2001

107

Table 31 Beneficiaries Receiving Education Benefits Beginning of FY

2001

107

Table 32 Beneficiaries Receiving Education Benefits by Type of

Training and Program Beginning of FY 2001

108

Table 33 Beneficiaries Receiving Education Benefits by Training Time

and Program Beginning of FY 2001

108

Table 34 Total Insurance Policies In-Force Beginning of FY 2001 109

Table 35 Insurance Monthly Award Payments Beginning of FY 2001 110

Table 36 1998 Rankings by Total Life Insurance in-Force 111

Table 37 Age Distribution for Insurance Programs 112

Table 38 SGLI Coverage by Branch and Component of Service 113

Table 39 SGLI Coverage by Coverage Level 114

Table 40 Active Loans Based on Purchase Loan Versus Refinance

Loans Beginning of FY 2001

115

Table 41 Active Purchase Loans by Downpayment Status Beginning

of FY 2001

115

Table 42 Active Purchase Loans Based on Buyer Status Beginning of

FY 2001

116

Table 43 Active Home Loans by Period of Service (or Entitlement)

Beginning of FY 2001

117

Table 44 Active Home Loans Based on Age Beginning of FY 2001 117

Table 45 Active Purchase Loans Based on Known Racial Codes

Beginning of FY 2001

118

Table 46 Active Home Loans Based on Gender Beginning of FY 2001 118

Table 47 Veterans Participating in the Vocational Rehabilitation

Programs Beginning of FY 2001

119

Table 48 Veterans Participating in a Vocational Training Program by

Occupational Goal Beginning FY 2001

120

Table 49 Veterans Participating in a Vocational Training Program by

Type of Training and Gender Beginning of FY 2001

121

Table 50 Veterans Participating in a Vocational Training Program by

Combined Degree of Disability Beginning of FY 2001

121

Table 51 Veterans Participating in a Vocational Training Program with

a Serious Employment Handicap Beginning of FY 2001

122
 Index To Tables

197

Chap. 3 – cont. PAGE

Table 52 Veterans Participating in a Vocational Training Program by

Gender Beginning of FY 2001

122

Table 53 Veterans Participating in a Vocational Training Program by

Age Beginning of FY 2001

122

Table 54 Veterans Participating in a Vocational Training Program by

Period of Service Beginning of FY 2001

123

Table 55 Veterans Participating in a Vocational Training Program by

Branch of Service Beginning of FY 2001

123

Table 56 Veterans Participating in a Vocational Training Program by

Length of Service Beginning of FY 2001

123

Table 57 Veterans Participating in a Vocational Training Program by

Dependency Status Beginning of FY 2001

124

Table 58 Veterans Participating in a Vocational Training Program by

Prior Education Level Beginning of FY 2001

124

Table 59 Veterans Participating in a Vocational Training Program by

Prior Use of VA Benefits Beginning of FY 2001

124

Chapter 4 The Future – Forecasting Program Liabilities

Table 1 Estimate of Compensation Program Liability as of

September 30, 2000

126

Table 2 Estimated Future Benefit Payments (Regular Monthly

Benefits)

128

Table 3 Discounted Estimated Future Benefit Payments 130

Table 4 Veterans Receiving Compensation as of September 30,

2000

131

Table 5 Death Rates 133

Table 6a Projected FY 2000 Newly Adjudicated Compensation Cases

for Veterans

135

Table 6b Rates of Newly Adjudicated Compensation Cases for

Veterans

136
Index To Maps

Appendix A Map Title Page

Veteran Population By State (FY2000) 139

Compensation Recipients By State Residence 141

Projected Compensation Cost By State for FY 2001 143

Projected Average Disability Compensation Per Veteran Beneficiary Per

State During FY 2000

145

Pension Recipients By State of Residence 151

Projected Pension Cost By State 153

Projected Average Disability Pension Benefit Per Veteran Beneficiary Per

State for FY 2001

157

Education Beneficiaries Trained Per State During FY 2000 159

Life Insurance Payments By Residence By State for FY 2001 161

Face Value Life Insurance By State Beginning FY 2001 163

Life Insurance Policies By State Beginning FY 2001 165

Home Loans Guaranteed During FY 2000 167

Loan Amounts Guaranteed During FY 2000 169

Average Home Loan Amounts By State(Guaranteed During FY2000) 171

Active Home Loans Beginning FY 2001 173

Active Home Loan Amounts Beginning FY 2001 175
Glossary1

Adjudicated – The disposition of a claim – either granting or denying benefits.

Aid and Attendance – An additional monetary allowance payable to those individuals who are

found to be:

• In a nursing home or

• In need of daily care to help with feeding, dressing, or keeping clean.

Benefits Delivery Network – One of the current VBA computer systems used to collect and

store statistical data on veterans and their families.

Body Systems - The VBA Compensation & Pension Service has classified the various areas

of the body into fifteen (15) different systems. They are as follows:

Musculoskeletal (muscles and bones) Eye

Ear Infectious diseases

Respiratory Cardiovascular

Digestive Genitourinary

Gynecological Skin

Hemic and lymphatic (blood & lymph systems) Neurological

Endocrine Dental

Mental

Buyer Status – A “first-time homeowner” or “previous homeowner”.

Cash Surrenders – A policyholder receives the cash value that has accrued in their policy,

and in return surrenders all right, title, and interest to their basic and/or paid-up additional

insurance coverage amounts.

Chapter 31 Benefits – VR&E Program to provide benefits, services to veterans whose

service-connected disabilities prohibit the veteran from obtaining and/or maintaining

employment.

Compensable Zeros – A number of disabilities that although independently evaluated zero

percent produce an employment handicap to warrant a 10 percent combined disability

evaluation. This evaluation entitles the veteran to receive disability compensation payments.

Computer Systems – DMO derives statistical data from multiple sources from computer

systems, e. g. Benefits Delivery Network, BIRLS, Veterans Information Systems (VIS), Data

Warehouse.

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 Indemnity Compensation (DIC) – Benefits generally payable to surviving family

members (spouse, parent or children) as a result of veterans who died from service-connected

injuries.

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 if the veteran provides support for him or her.

 

1 Definitions were compiled through the joint efforts of the business lines: Compensation and Pension, Education, Vocational Rehabilitation and

Employment, Life Insurance and Loan Guaranty.
 Glossary

200

Diagnostic Codes – Four to eight digit numeric value that represents specific medical

conditions.

Direct Loan - A loan made by the Department of Veterans Affairs directly to veterans. This is

distinct from loans, which are made by private lenders and guaranteed by VA.

Direct Loans to Native American Veterans – Guaranteed loans to Native Americans.

Disability Compensation – Monetary benefits paid to veterans with service-connected

disability.

Disability Pension – Monetary benefit paid to veterans with a permanent disability (not due to

service) and whose annual income does not exceed the limit set by Congress.

Discounted Estimated Future Compensation Payments – The estimated amount which, if

invested now, would provide for the future compensation payments.

DMDC – Defense Manpower Data Center, This data maintains the largest archive of

personnel, manpower, training and financial data in the Department of Defense (DoD).

Down-payment Option – The VA home loan guaranty program allows the veteran to enter

the home-buying market with “no down-payment” which is intended for the veteran to afford to

buy suitable home.

Educational Assistance - The monetary benefits received by a veteran or eligible person.

This term is generally used interchangeably with the term “education benefits”, however, under

the Montgomery GI Bill Active Duty, this term refers to basic educational assistance,

supplemental educational assistance, and all additional amounts payable, commonly called

“kickers”.

Eligibility - Most VA benefits require that the veteran be discharged from active military

service under any condition other than dishonorable. In addition to this general requirement,

there are specific requirements described in each of the Benefit Programs section of this

report.

Entitlement (EDU) – The number of months the student is eligible for VA education benefits.

This is usually expressed in the numbers of months and days the student will be eligible for

full-time benefits, or the equivalent in part-time training, but also may be expressed in a dollar

amount. Entitlement may vary depending on the education program the individual qualifies

under. In no event will entitlement exceed 48 months under any combination of laws.

Entitlement (C&P) – Once eligibility requirements have been met, decisions on entitlement

are based on the evidence of record. Evidence consists of documents, records, testimonials

and information provided by, or obtained for, a claimant.

Estimate of Compensation Program Liability – The estimated liability for the compensation

program is based on the present value of expected future compensation benefit payments for:

a. all veterans receiving benefits under current programs,

b. all survivors currently receiving benefits under these programs,

c. all future survivors of veterans currently receiving benefits,

d. all existing veterans not receiving benefit payment, but who are expected to in the

future,

e. all future survivors of existing veterans not currently receiving benefits payments but

who are expected to in the future, and

f. veterans currently in active military service who will become veterans in the future,

and their survivors.
 Glossary

201

Evaluation for Entitlement for a Program of Rehabilitation Services – To determine

whether the veteran’s disabilities cause an employment handicap; and/or if the handicap

exists, the course of rehabilitation and feasibility in obtaining the vocational goals.

Face Value – The amount of insurance coverage in force and payable at death.

First Time Homeowner – A veteran using his home loan entitlement for the first time.

Fiscal Year – A period for settling accounts; a 12 month period at the end of which all

accounts are completed in order to furnish a statement of financial condition. A fiscal year

does not necessarily correspond to a calendar year.

Fiscal Year 2000 – Began October 1, 1999 and ended September 30, 2000. The Department

of Veterans Affairs operates under this budgetary scheduled.

Forecasting of Program Liabilities (Future Liabilities) – Future liabilities are 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.

Guaranteed Loan– Federally backed by the VA home loan provision.

Housebound – An additional monetary allowance payable to those individuals who are

confined to their home as a result of a permanent disability.

In country – Countries that bordered Vietnam and surrounding countries i.e. Laos, Guam, and

Thailand.

Loan Defaulted-Guaranty Payment Made – A term used by loan guaranty where the

borrower defaults on the loan and the 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 insurance less any indebtedness is paid to the

insured based on the plan of insurance. The proceeds may be paid as a lump sum or the

insured may request installment payments.

MGIB – Montgomery GI Bill, Educational Benefits – Refers to the Montgomery GI BillActive Duty Educational Assistance Program (Chapter 30 of Title 38, U.S. Code). Provides

educational assistance to persons who served on the active duty in the Armed Forces.

MGIB-SR – Montgomery GI Bill- Selective Reserve – Refers to the Montgomery GI BillSelected reserve Educational Assistance Program (Chapter 20 of Title 38, U.S. Code)

Provides educational assistance to members of the Selected Reserve of the Ready Reserve

of any of the reserve components of the Armed Forces.

Newly Adjudicated – A claim that was recently decided (either granting or denying) benefits.

National Service Life Insurance, Life Insurance (NSLI) - Was established in 1940 to meet

the insurance needs of World War II veterans. The program closed in 1951.
 Glossary

202

Original Claim – A claim that has not been previously filed or adjudicated by the VBA.

Paid up Additions – Established in 1972 for policyholders with participating policies to use

their annual dividends to purchase paid-up additional insurance (PUA). PUA is the only way

most policyholders may increase their insurance coverage amount.

Percent of Period Removed – This term means the proportion of the total number of

veterans rom the period of service benefits ended.

Peacetime Veterans – Those veterans who served during a period of non-war.

Pension – A non-service-connected disability benefit that is based upon non-service disability

and income computation.

Prisoner of War (POW) – Those 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 DIC – The monetary rate based upon the veteran’s pay grade.

Protected Pension – Pension benefits that were determined under Public Law 95-588

Section 306.

Purchase Loans – Solely for the purpose for purchasing a home.

Range of Disabilities – A percentage of disabilities that are rated in increments of 10, i.e.

0,10,20,30---90, 100%.

Rating Board Automation Database (RBA) - This database contains disability information for

veterans and their families, and is maintained in the Data Management Office.

Reformed DIC – This is a flat rate payable to those surviving spouses, surviving children and

parents of veterans whose death was:

• either related to a service-connected disability or

• was the result of hospitalization or treatment at a VA facility.

Reservist (EDU)– A member of the Selected Reserve who is eligible for educational

assistance under Title 10 of the United States Code Chapter 1606, and who is also a member

of a military reserve component.

Reservist (C&P) – A member of a reserve component of one of the Armed Forces that may

be or may not be eligible for some VA assistance.

Restored Entitlement – This term is applied to survivors of veterans who died of serviceconnected causes incurred or aggravated prior to Aug. 13, 1981, when survivors may be

eligible for special benefits.

SDVI – Service Disabled Veterans Insurance was established in 1951 to meet the insurance

needs of veterans with service-connected disabilities. S-DVI is open to veterans separated

from the service on or after April 25, 1951, who receive a service-connected disability rating of

0 percent or greater.

Secondary Market – The market where mortgages are bought and sold. This generates

more money for the mortgage originators.

Service-Connected – A disease or injury determined to have occurred in or was aggravated

during military service.

Serious Employment Handicap – A "serious employment handicap" is a significant

impairment, caused in part by a service-connected disability, in the veteran's ability to prepare

for, obtain, or retain employment consistent with their abilities, aptitudes, and interests.
 Glossary

203

Servicemember – An individual who is currently serving on active duty. This term is also

referred to as “serviceperson”.

SGLI – Service Members Group Life Insurance was established in 1965 to meet the insurance

needs of service-members.

Special Adaptive Housing Grants – Housing grants for seriously disabled veterans.

Subsistence Allowance – 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.

Survivors’ and Dependents Educational Assistance – This term refers to Chapter 35 of

Title 38, U.S. Code, a monetary educational benefit payable to eligible dependents and

survivors of veterans. It is often abbreviated simply as DEA (Dependent Educational

Assistance).

Title 38 United States Code – Code of Federal Regulations that pertain to Veterans Benefits.

Total and Permanent Disability Provision – A special rating status with a requirement that a

veteran, regardless of age, has a single disability rated 60 percent or a combined evaluation of

70 percent, with one disability ratable at 40 percent or higher.

Total Disability Income Provision – Income limits set by Congress.

USGLI – United States Government Life Insurance was established in 1919 to meet the

insurance needs of World War I veterans. This program closed in 1940.

VEAP – Refers to Veterans Educational Assistance Program (Chapter 32 of Title 38, U.S.

Code) A contributory educational assistance program for Post-Vietnam Era veterans.

Veteran -“The term ‘veteran’ means a person who served in the active military, naval, or air

service, and who was discharged or released therefrom under conditions other than

dishonorably.

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), programs available to help

service disabled veterans to become employable while achieving their independence.

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. This

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.
204

U.S. DEPARTMENT OF VETERANS AFFAIRS

Veterans Benefits Administration

810 Vermont Avenue, NW

Washington, DC 20420

Internet Homepage: http://www.vba.va.gov

You may obtain additional copies of this report by calling the Data Management Office at (202) 273-6811.

You may also access this report though our Internet Homepage.