Veterans Benefits Administration

DEPARTMENT OF VETERANS AFFAIRS

Annual Benefits Report

Fiscal Year 2006

THE UNDER SECRETARY OF VETERANS AFFAIRS FOR BENEFITS

WASHINGTON, D.C. 20420

Dear Reader,

We are pleased to present the Veterans Benefits Administration (VBA) Annual Benefits Report for Fiscal Year 2006. 

This is the ninth edition of the Annual Benefits Report. Its publication reinforces the Veterans Benefits Administration’s 

commitment to our stakeholders and business partners to provide comprehensive information concerning the activities 

of our five benefit programs. 

This report contains key data pertaining to the utilization of our benefit programs over the past five years. We hope it 

is a useful tool for the reader to understand our mission and our success.

On the cover and inside this year’s report are pictures of VBA employees who are also veterans. These dedicated 

employees represent all military branches of service and served from post-World War II to Operations Iraqi and 

Enduring Freedom. All have unique experiences, and their stewardship toward their fellow veterans takes many 

forms. 

On the following pages, we present a summary of the benefits used by our Nation’s veterans and their dependents 

in 2006. I thank the employees of the Veterans Benefits Administration for making a difference in the lives of our 

veterans and their families.

 Daniel L. Cooper
TABLE OF CONTENTS

PAGE

Introduction 

Mission and Vision Statements/Core Values 5

Purpose and Overview of VBA’s Annual Benefits Report 6

Veterans Benefits Administration Employees: Then and Now 7

Compensation and Pension 13

Education 39

Life Insurance 47

Loan Guaranty 65

Vocational Rehabilitation and Employment 77

Appendices

VBA Regional Office Mailing Addresses 90

Contacting VA by Telephone 94

Glossary 95

Websites 101

Select Veteran Data for All VBA Programs by State 102

Index to Tables and Charts 157

 
Introduction

VETERANS BENEFITS ADMINISTRATION

MISSION AND VISION STATEMENTS

INTRODUCTION

We are the Veterans Benefits Administration, one of the three Administrations forming the U.S. Department of 

Veterans Affairs (VA). We offer a wide range of benefits to our Nation’s veterans, service members, and their 

families.

MISSION STATEMENT

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

and the National Cemetery Administration, is to provide benefits and services to veterans and their families in a 

responsive, timely, and compassionate manner in recognition of their service to the Nation.

VISION STATEMENT

Our vision is that the veterans whom we serve will feel that our Nation has kept its commitment to them; employees 

will feel that they are both recognized for their contribution and are part of something larger than themselves; and 

taxpayers will feel that we’ve met the responsibilities they’ve entrusted to us. Courage, honesty, trust, respect, open 

communication, and accountability will be reflected in our day-to-day behavior.

CORE VALUES

Veterans have earned our respect and are our reason for being, our common purpose. All our efforts are 

directed toward meeting their needs.

We are committed to communicating to our veterans and employees in a timely, thorough, accurate, understandable, 

and respectful manner.

We listen to the concerns and views of veterans and our employees to bring about improvement in benefits and 

services and the climate in which they are provided.

We value understandable business processes that consistently produce positive results.

We foster an environment that promotes personal and corporate initiative, risk-taking, and teamwork.

We are open to change and flexible in our attitudes.

Respect, integrity, trust, and fairness are hallmarks of all our interactions.

We value a culture where everyone is involved, accountable, respected, and appreciated.

We will perform at the highest level of competence, always, and take pride in accomplishment. We are a “can 

do” organization.

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VBA Annual Benefits Report

PURPOSE OF VBA’S ANNUAL BENEFITS REPORT

The Annual Benefits Report (ABR) clearly summarizes the benefit programs delivered by VBA, identifies the current 

level of program participation by eligible persons, and profiles the beneficiaries.

The report is intended to accomplish the following:

Present a clear, complete, data-driven picture of the extent to which veterans and their dependents use these 

benefits;

Provide insights into the nature of the benefits programs;

Portray the economic impact of VBA programs on veterans, their families, the Federal government, and the Nation.

A complete discussion on VBA’s performance in administering these programs is contained in the Department’s

FY 2006 Performance and Accountability Report, dated November 2006. The document can be accessed 

through this electronic link: http://www.va.gov/budget/report/. Program goals and objectives are detailed in VA’s 

annual performance plans. The FY 2003-FY 2008 Strategic Plan can be found on the Department’s website:

http://www.va.gov/Partners/stratcap/index.htm 

VETERANS BENEFITS OVERVIEW

The Veterans Benefits Administration is one of three administrations comprising the Department of Veterans Affairs. 

VBA is responsible for administering and delivering an array of federally authorized benefits and services to eligible 

veterans and their dependents and survivors.

With annual expenditures over $40 billion and long-term obligations exceeding one trillion dollars, VBA programs 

have a sweeping impact not only on the veteran community but also on the whole of American society. These are 

programs that touch millions of lives in fundamental ways. Benefits and services administered by VBA fall under 

five business lines:

COMPENSATION AND PENSION

EDUCATION

LIFE INSURANCE

LOAN GUARANTY

VOCATIONAL REHABILITATION AND EMPLOYMENT

Veterans’ benefits represent an integral part of American history. Knowledge of benefits history is important for all 

those who are interested in a comprehensive understanding of what VBA does and why. 

A more general discussion of VA and veterans’ benefits from a historical perspective can be found in VA Pamphlet 80-97-2, VA 

History in Brief, September 1997. This pamphlet is on the VA Home Page: http://www1.va.gov/opa/ feature/history/index.asp. 

For the latest copy of the pamphlet entitled Benefits for Veterans and Dependents, go to

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

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Introduction

Veterans Serving Veterans: Then and Now

(Photographs of the following VBA veteran employees are presented on the following pages)

Donald I. Aebersold

Donnie Archuleta

David Allen

Douglas H. Alston

Gary Antal

Gerald Bacon

Timothy M. Bailey

Hank Beuning

Roy D. Birdsong Jr

Edwin B. Bjurstrom III

Donald Blake

Jonathan B. Bracy

Douglas Bragg

Richard C. Braley

Patricia F. Brewer

Sandra Brewer

Collins Briggs

Virginia S. Brown

George Brucks

Barbara Bundy

Mario Burns

Ricky J. Bush

Elisa Cadwell 

Irene E. Carter

Heraldo Chavez

Debra Clark

Angela D. Clayton

Angela Clemoens

Eric Cole

DeShone C. Conner

Fernando Cortes

Ed Croft

Russell B. Curry

Patricia A. Dance 

Ashley A. Darcy

Ricker Dave

Bobbie K. Davis

Robin J. Dillion

Edward Dougherty

Patricia Duffley-Renow

John E. Elvins

Tom Elwell

Roxanne E. Erikson

Steve Estes

Lisa A. Fells

Herbert(HERB) M. Fenster

George A. Figurski

James G. Flippin Jr.

Sheila A. Floyd

Wayne Rosenfelder

Andy Ross

Lester G. Rousseau 

Jules G. Sabrier Jr.

Richard C. Schloss

James F. Schaper

Gerald W. Schweiger

Ronald L. Scoggins

Mary Beth E. Settle

Keith Shadden

Barry Shaffer

Christina E. Shank

Jack Shields

Lawrence Shufford

Samuel M. Simmons

Douglas A. Skipp

Jenny M. Smith

Walter S. Sprenger

Scott W. Sterns

Sterling E. Stokes

Michael S. Strong

Kenneth B. Swinnie

Arthur B. Tagatac

Debra C. Thomas

James Thomas Jr.

James E. Timar 

Michael Tucker

Rebecca L. VanHouten

Juan D. Vilches

Edward J. Vinski Jr

Dan Vosburg

Shane A. Weldon

Patricia Wicks

David A. Wild

Gerald M. Williams

Doug Willyerd

Marvin G. Wroten

Dennis Yost

William J. Young II

Matthew Zdarko

Darren Luke

John E. Lundy

Thomas “Tom” Lynch

Ryan Mable

Antrina Manora

Linda Markus

Sandra Marsh

Kenneth J. Martin 

Robert W. McAllan

Melissa McComb

James B. Meeks III 

Mary L. Melanson

John Meyer

Brian Meyers

James E. Miles

Joan Miller

Kenneth Miller

Rex Morgan

Terri Morgan

Herbert Morris

Mary Murin

Alan Napier

Darla Napier

Antoinette M. Newsome

Robert E. Nicolelli

Elroy L. Noel

Dorothy A. Oliver

David M. Orozco

Diana Penney

Donna Perot

Margaret L. Person

John Piepho

Frank Pierce

Heidi L. Pinkham

Robert S. Posti

Jim Pratt

Antonio Presley 

Donald A. Prevost

Susan Quille

Carlos M. Ramirez

Ricardo F. Randle

Greg Reed

Robert E. Repp

Julio Reyes

Mark Reynolds

Bonnie Robinson

Carlos Robinson

Ronald W. Rochelle

James Romanowski

Steven A. Flye

Kevin S. Foster

Rodney Francisco

Timothy Frey

Dan Fuchs

Rhonda W. George

Lenny Grabert

Sara Graves

Dbi Green

Antoine D. Grimes

Nicole J. Grimes

Kristina Gutierrez

Elizabeth A. Gustafson

Michael J. Haegele 

Robert Hamilton

Rawley A. Harris

Angela B. Hatcher

Hezekiah Henderson

Lorenza D. Hilliard

William ‘Bill’ F. Hitsman

Sandra E. Hoffman

Pamela D. Holloway

Betty R. Holmes

William S. Holmes

Richard C. Hong

Alma A. Horace

Carla Huer

Gary Hughes

Jacklyn D. Irby

Tomas Jackson

Susan M. Jaramillo

James Jewell

Tim D. Jonczak

James M. Joseph

John W. Kalnin

Annette Kaufman

Doris Kelleher

Robert F. Kelly

Larry D. Kendall

Sheryl Kruse

Adam B. Kinder

Casey Kvale

Robert La Scola

Lacy Lipscomb

Wanda K. Lock

Jose E. Lopez Jr.

Mary A.J. Love

Pamela K. LoveJoy 

Dedra Lozanda
VBA Annual Benefits Report

The Veterans Benefits Administration, Office of Performance Analysis and Integrity 

thanks all veteran employees who submitted pictures for the FY 2006 Annual Benefits 

Report (Anne Gustafson pictured above).
Introduction

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10

VBA Annual Benefits Report
Introduction

11

Compensation & Pension

Compensation & Pension

13

Current Benefits

Compensation Based Upon Service-Connected 

Disability or Death

Disability compensation is a monetary benefit paid to 

veterans with service-connected disabilities. “Serviceconnected” means the disability was a result of disease or 

injury incurred or aggravated during active military service. 

To be eligible for disability compensation, the veteran’s 

discharge must be under conditions other than dishonorable, 

and the disability must not be the result of willful misconduct 

by the veteran.

Disability compensation is graduated according to the 

degree of the veteran’s disability on a scale from 0 percent 

disabling to 100 percent disabling, in increments of 10 

percent. Additional benefits are payable to veterans with 

severe disabilities such as anatomical loss or loss of use 

of a hand or foot, blindness, or deafness. The most 

seriously disabled veterans receive the highest benefit 

amounts, and less severely disabled veterans receive 

lower benefits.

Dependency and indemnity compensation (DIC) is payable 

to the survivors of servicemembers who died while on active 

duty or veterans who died from their service-connected 

disabilities. VA may also pay DIC benefits to survivors 

of veterans continuously rated totally disabled due to 

service-connected disabilities for ten or more years 

immediately preceding the veteran’s death or five years 

from the date of the veteran’s discharge. DIC benefits 

may also be paid to the survivors of former prisoners of 

war who died after September 30, 1999, and who were 

continuously rated totally disabled due to a serviceconnected disability for a period of not less than one 

year immediately preceding death. 

Surviving spouses and dependent children are potentially eligible for DIC benefits. An additional amount is payable if the 

veteran was rated totally disabled for a period of at least eight 

years prior to death. For deaths prior to January 1,1993, 

benefit rates are based on the veteran’s military pay grade or 

the current monthly rate established by law, whichever is the 

greater benefit.

Parents of veterans or servicemembers who die as the 

result of a service-connected disease or injury are also 

potentially eligible for DIC benefits. Parents’ DIC is a 

needs-based program for financially dependent parents.

Pension Based Upon Non Service-Connected 

Disability or Death

VA pension programs are designed to provide income 

support to wartime veterans and their families who 

are experiencing financial hardship. The program is 

means- tested. The total family income from sources 

other than VA determines the amount of the benefit. 

Laws establish income limits and regulate the rates of 

payment.

Wartime veterans who are age 65 and older or who 

are determined permanently and totally disabled as the 

result of a non-service-connected disability may be eligible 

for a disability pension. Entitlement to this disability pension 

is subject to income limitations. Additional amounts may 

be paid to a veteran who has dependents or who is so 

disabled as to require the aid and attendance of another 

person, or is housebound. Benefits are also paid under 

two protected or “grandfathered” prior pension programs. 

These rates and limits are fixed at the amounts in effect 

when the programs were replaced.

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.

Compensation and Pension

Note to reader: The data in the Compensation and Pension section of this publication includes only awards processed 

and veterans paid via the Benefits Delivery Network (BDN). As of the end of fiscal year 2006, 10,385 veterans were 

being paid via VETSNET, a new suite of applications designed to replace BDN. Data for those veterans is not included 

in this publication. VETSNET data will be included in the fiscal year 2007 Annual Benefits Report.
VBA Annual Benefits Report

Compensation & Pension

14

Quick Reference Guide

Number of veterans and survivors receiving compensation and pension benefits at the 

end of fiscal year 2006 is 3,582,255

 2,725,824 veterans received service-connected disability benefits

 325,939 survivors received service-connected death benefits

 329,856 veterans received non service-connected disability benefits

 200,636 survivors received non service-connected death benefits

Number of beneficiaries who began receiving benefits (Compensation, Pension, DIC) 

during fiscal year 2006 is 249,986

 Compensation - Disability 162,805

 Compensation - Death 17,461

 Pension - Disability 45,487

 Pension - Death 24,233

Total veterans receiving service-connected disability benefits end of fiscal year 2006 by 

period of service is 2,725,824

 World War I 2 

 World War II 328,042

 Korean Conflict 159,804

 Vietnam Era 947,598

 Peacetime 595,565

 Gulf War Era 694,813

Most prevalent service-connected disabilities

 Defective hearing 444,583

 Tinnitus 395,324

 General musculoskeletal 306,517

 Arthritis due to trauma 287,541

 Scars, others 282,772

 Post-traumatic stress disorder 269,399

 Diabetes mellitus 247,992

 Knee, other impairment 236,646

 Hypertensive vascular disease 202,718

 Arthritis, degenerative, hypertrophic 166,146
Compensation & Pension

Compensation & Pension

15

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits in 

Fiscal Year 2006

Benefit Program Number of People Estimated Total Annual 

Amounts Paid 

Estimated Average Annual 

Amounts Paid 

Compensation–Disability 162,805 $1,182,536,161 $7,264 

Compensation–Death1 17,461 $222,130,977 $12,722 

Pension–Disability 45,487 $418,357,504 $9,197 

Pension–Death2 24,233 $134,944,205 $5,569 

Total 249,986 $1,957,968,847 $7,832 

1

includes surviving spouses, children (not dependents on surviving spouse awards), and parents

2

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

Source: Benefits Delivery Network – COIN CP-103 and CP-127

Data

The table below summarizes information about the beneficiaries who began receiving compensation and pension 

benefits during fiscal year 2006 and the monetary value of these benefits.

The following table provides the number of active beneficiaries in the compensation and pension benefit programs at 

the end of fiscal year 2006 and the monetary value of these benefits. Note this information includes the beneficiaries 

from the table above plus beneficiaries already on the rolls (active accounts).

Summary of Active Compensation and Pension Benefit Accounts at End of 

Fiscal Year 2006

Benefit Program Number of People Estimated Total Annual 

Amounts Paid 

Estimated Average Annual 

Amounts Paid 

Compensation–Disability 2,725,824 $25,622,853,876 $9,400 

Compensation–Death1 325,939 $4,298,196,864 $13,187 

Pension–Disability 329,856 $2,695,909,956 $8,173 

Pension–Death 200,636 $731,072,064 $3,644 

Total 3,582,255 $33,348,032,760 $9,309 

 1 Dependency and Indemnity Compensation and Death Compensation

 Source: Benefits Delivery Network – RCS 20-221
VBA Annual Benefits Report

Compensation & Pension

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Veterans Who Began Receiving Disability Compensation by Combined Degree During 

Fiscal Year 2006

Combined Degree Number of Veterans

Estimated Total Annual 

Amounts Paid

Estimated Average Annual 

Amounts Paid

0% 505 $449,955 $891 

10% 47,667 $64,470,571 $1,353 

20% 30,989 $81,855,584 $2,641 

30% 23,264 $104,718,708 $4,501 

40% 18,234 $118,814,932 $6,516 

50% 11,745 $107,504,804 $9,153 

60% 10,229 $155,478,754 $15,200 

70% 6,879 $153,582,205 $22,326 

80% 3,847 $95,473,153 $24,818 

90% 1,718 $46,549,897 $27,095 

100% 7,728 $253,637,597 $32,821 

Total 162,805 $1,182,536,161 $7,264 

Source: Benefits Delivery Network - COIN CP-127

Compensation - Disability

Disability compensation is paid for disabilities incurred during or aggravated by the 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 VA disability compensation. 

Disabilities are evaluated according to the VA Schedule for Rating Disabilities in Title 38, U.S. Code of Federal 

Regulations, Part 4. The Rating Schedule is based on a “whole person” concept. This means that each disability is 

evaluated based on its residual effect on the veteran.

The range of disabling effects from a specific disability rarely includes every 10 percent increment from 0 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. Multiple disabilities will 

result in a combined degree of disability for purposes of compensation payment.

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 percent 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 veterans’ 

service-connected disability. Under certain circumstances, multiple zero-percent disabilities can have a combined 

percentage of 10 percent (38 CFR 3.324). These are called “compensable zeros” and are shown in the 0% row 

in the tables that follow. Disability compensation monetary amounts are set by Congress and correspond to the 

combined degree of disability. 
Compensation & Pension

Compensation & Pension

17

The following table presents a five-year comparison of the combined degree service-connected disabilities for veterans 

who began receiving compensation during each fiscal year from 2002-2006. The second table on this page shows 

most prevelant service-connected disabilites for veterans who began receiving compensation during fiscal year 2006

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

Veterans Who Began Receiving Compensation - by Fiscal Year

Combined Degree 2002 2003 2004 2005 2006

0% 529 635 434 504 505 

10% 39,336 44,304 42,555 46,264 47,667 

20% 37,822 36,035 29,765 31,347 30,989 

30% 20,454 22,039 20,031 22,898 23,264 

40% 15,476 16,377 14,934 17,311 18,234 

50% 9,863 10,869 10,230 11,880 11,745 

60% 7,726 8,573 7,961 9,736 10,229 

70% 5,582 6,459 6,087 6,863 6,879 

80% 2,688 3,184 2,949 3,733 3,847 

90% 1,199 1,456 1,322 1,671 1,718 

100% 7,011 8,004 7,913 8,145 7,728 

Total 147,686 157,935 144,181 160,352 162,805 

Source: Benefits Delivery Network - COIN CP-127

Most Prevalent Service-Connected Disabilities for Veterans Who Began Receiving 

Compensation During Fiscal Year 2006

Disability Number of Veterans Percent of Total

Tinnitus 51,360 9.7%

Defective hearing 38,330 7.2%

Diabetes mellitus 23,756 4.5%

Lumbosacral or Cervical strain 22,445 4.2%

Post-traumatic stress disorder 20,516 3.9%

Degenerative arthritis of the spine 15,945 3.0%

Arthritis, due to trauma 15,368 2.9%

Limitation of flexion of leg 15,232 2.9%

Generalized muskuloskeletal disabilities 13,881 2.6%

Hypertensive vascular disease 11,626 2.2%

Total - Most Prevalent Disabilities 228,459 

Total - All Disabilities 529,855 

Source: Benefits Delivery Network - COIN CP-145
VBA Annual Benefits Report

Compensation & Pension

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

Who Began Receiving Compensation - by Fiscal Year

Body System 2002 2003 2004 2005 2006

Percent

 Change 

2002-2006

Musculoskeletal System 156,339 164,970 164,297 194,331 206,588 32.1%

Impairment of Auditory Acuity 59,241 75,316 76,836 88,366 92,407 56.0%

Skin 41,453 42,766 36,955 41,161 41,882 1.0%

Neurological Conditions 28,794 33,575 28,922 33,602 34,222 18.9%

Mental Disorders 25,402 31,022 23,564 33,308 32,838 29.3%

Endocrine System 39,852 36,897 26,206 26,274 25,457 -36.1%

Cardiovascular System 26,643 28,069 28,315 26,577 23,762 -10.8%

Respiratory System 19,304 20,678 19,239 21,903 22,582 17.0%

Digestive System 21,501 22,017 19,078 21,281 20,932 -2.6%

Genitourinary System 13,392 14,993 12,884 14,670 14,828 10.7%

Eye 5,320 5,708 4,774 5,529 5,562 4.5%

Gynecological Conditions 2,795 2,780 2,487 2,670 2,951 5.6%

Infectious Diseases, Immune Disorders, and Nutritional 

Deficiencies 3,300 3,233 2,702 2,705 2,476 -25.0%

Dental and Oral Conditions 2,087 1,915 1,616 1,868 1,823 -12.6%

Hemic and Lymphatic Systems 1,262 1,484 1,822 1,814 1,545 22.4%

Total 446,685 485,423 449,697 516,059 529,855

 Source: Benefits Delivery Network - COIN CP-145
Compensation & Pension

Compensation & Pension

19

The table at right presents 

the total number of veterans 

and estimated amounts 

paid by combined degree of 

disability at the end of fiscal 

year 2006.

Total Number of Veterans Receiving Compensation by Combined 

Percent of Disability at End of Fiscal Year 2006

Combined 

Degree

Number of 

Veterans

Estimated Total Annual 

Amounts Paid

Estimated Average 

Annual Amounts 

Paid

 0% 14,291 $12,733,472 $891 

10% 775,346 $1,048,724,994 $1,353 

20% 417,721 $1,103,411,366 $2,642 

30% 334,931 $1,507,649,735 $4,501 

40% 259,834 $1,693,125,795 $6,516 

50% 161,568 $1,478,875,352 $9,153 

60% 184,264 $2,800,786,671 $15,200 

70% 165,257 $3,689,574,178 $22,326 

80% 113,404 $2,814,411,071 $24,818 

90% 60,546 $1,640,524,267 $27,096 

100% 238,662 $7,833,036,975 $32,821 

Total 2,725,824 25,622,853,876 $9,400 

Source: Benefits Delivery Network–RCS 20-0221 and RCS 20-0223 

For comparison, the table to 

the right provides combined 

degree for veterans receiving 

compensation at the end of 

fiscal years 2002-2006.

Total Number of Veterans Receiving Compensation by Combined 

Percent - Five Fiscal Years

Combined 

Degree 2002 2003 2004 2005 2006

Percent 

Change

 2002-2006

 0% 16,364 15,925 15,313 14,750 14,291 -12%

10% 805,229 791,473 782,910 775,854 775,346 -5.7%

20% 387,681 396,640 402,492 408,667 417,721 9.8%

30% 313,207 318,239 321,521 327,007 334,931 6.1%

40% 214,613 227,918 236,785 246,987 259,834 22.9%

50% 128,508 136,535 143,291 151,943 161,568 25.2%

60% 138,378 151,443 161,050 172,694 184,264 36.2%

70% 107,097 123,951 138,548 153,190 165,257 63.1%

80% 67,583 80,545 91,526 102,979 113,404 80.8%

90% 32,897 40,339 46,818 54,161 60,546 101.3%

100% 186,730 202,221 215,442 228,747 238,662 31.2%

Total 2,398,287 2,485,229 2,555,696 2,636,979 2,725,824

Source: RCS 20-0223
VBA Annual Benefits Report

Compensation & Pension

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The following tables present information about the age of veterans who began receiving disability compensation benefits 

during fiscal year 2006 as well as for all veterans receiving disability compensation benefits, with an estimate of the annual 

payments.

Age of Veterans Who Began Receiving Service-Connected Compensation

During Fiscal Year 2006

Age Number of Veterans

Estimated Annual 

Payments

Percent of Total 

Estimated Annual 

Payments

35 and under 40,989 $240,677,129 20.4% 

36-55 54,187 $402,653,680 34.1%

56-75 55,039 $433,132,580 36.6%

Over 75 12,590 $106,072,771 9.0%

 Total 162,805 $1,182,536,161 100.0%

Source: Benefits Delivery Network - COIN CP-127

Age of Veterans Receiving Service-Connected Compensation at End of Fiscal Year 2006

Age Number of Veterans

Estimated Annual 

Payments

Percent of Total 

Estimated Annual 

Payments

35 and under 213,566 1,185,660,672 4.6%

36-55 833,346 6,596,593,188 25.7%

56-75 1,156,703 12,996,872,940 50.7%

Over 75 522,209 4,843,727,076 18.9%

Total 2,725,824 25,622,853,876 100%

 Source: RCS 20-0236 Table 1 
Compensation & Pension

Compensation & Pension

21

Many veterans have more than one disability. Each disability is evaluated according to its disabling effect, without regard 

to other disabling conditions present. A rating formula is applied to assess the overall disabling effect (combined degree) 

of all the veteran’s service-connected conditions.

In contrast to the previous tables, which organized information according to the number of individual veterans and their 

combined evaluations, the table below organizes information according to the number of service-connected disabilities 

and their separate evaluations. A “zero percent” service-connected disability rating means a disability exists and is 

related to the veteran’s service, but is not so disabling that it entitles the veteran to compensation payments.

Data for the table below and on the following pages are taken from compensation payment records. Consequently, 

the disabilities of service-connected veterans with only zero percent ratings are not represented in the tables.

The zero percent disabilities shown in these tables are for those veterans who receive compensation (a zero percent 

disability and one or more disability rating evaluations above zero percent, i.e., ten percent or greater or as a result of 

having combined multiple zero percent disability evaluations).

The table below shows disabilities for which compensation is paid. The average number of disabilities per veteran 

is 2.98. Approximately 89% of these disabilities are evaluated in the zero through thirty percent rating category. The 

table on the next page shows the frequency of individual service-connected disabilities by body system for veterans 

receiving compensation at the end of fiscal year 2006.

Total Individual Service-Connected Disabilities by 

Evaluation for Veterans Receiving Compensation at End 

of Fiscal Year 2006

Evaluation Number of Disabilities Percent of Total

0% 2,451,180 30.2%

10% 3,279,440 40.3%

20% 871,701 10.7%

30% 625,350 7.7%

40% 222,164 2.7%

50% 183,003 2.3%

60% 147,396 1.8%

70% 105,175 1.3%

80% 10,791 0.0%

90% 3,337 0.0%

100% 228,814 2.8%

Total 8,128,351 100%

Source: Benefits Delivery Network–RCS 20-0227

Note: Does not include 23 in “Other” category 
VBA Annual Benefits Report

Compensation & Pension

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Frequency of Individual Service-Connected Disabilities by Body System for 

Veterans Receiving Compensation at End of Fiscal Year 2006

Body System

Total Number of 

Disabilities

Percent of Total Number of 

Disabilities

Musculosketal System 3,173,080 39%

Impairment of Auditory Acuity 908,676 11.2%

Skin 818,377 10.1%

Neurological Conditions 573,812 7.1%

Mental Disorders 551,056 6.8%

Cardiovascular System 490,435 6.0%

Digestive System 464,479 5.7%

Respiratory System 360,943 4.4%

Endocrine System 276,094 3.4%

Genitourinary System 231,307 2.8%

Eye 125,770 1.5%

Gynecological System 49,646 0.6%

Infectious Diseases, Immune Disorders, 

Nutritional Deficiencies 44,369 0.5%

Dental and Oral Conditions 33,327 0.4%

Hemic and Lymphatic System 26,980 0.3%

Total All Conditions 8,128,351 100%

Source: Benefits Delivery Network–RCS 20-0227 

Note: Does not include 23 in “Other” category
Compensation & Pension

Compensation & Pension

23

Five-Year Comparison of Individual Service-Connected Disabilities by Body 

System for Veterans Receiving Compensation at End of Fiscal Year

Body System 2002 2003 2004 2005 2006

Percent 

Change 

 2002-2006

Musculoskeletal System 2,524,243 2,652,380 2,786,986 3,002,239 3,173,080 25.7%

Impairment of Auditory Acuity 587,524 665,419 742,211 822,413 908,676 54.7%

Skin 750,407 770,083 778,521 799,131 818,377 9.1%

Neurological Conditions 369,377 422,448 581,442 521,970 573,812 55.3%

Mental Disorders 433,618 463,223 488,333 520,497 551,056 27.1%

Cardiovascular System 385,924 419,039 442,640 471,455 490,435 27.1%

Digestive System 440,931 448,128 452,307 457,934 464,479 5.3%

Respiratory System 314,021 325,106 334,866 347,190 360,943 14.9%

Endocrine System 134,905 185,908 217,126 247,324 276,094 104.7%

Genitourinary System 161,387 180,785 196,268 214,036 231,307 43.3%

Eye 108,407 113,553 117,256 121,443 125,770 16.0%

Gynecological Conditions 39,325 41,905 44,156 46,880 49,646 26.2%

Infectious Diseases, Immune 

Disorders, and Nutritional 

Deficiencies 46,586 46,576 46,045 45,076 44,369 -4.8%

Dental and Oral Conditions 28,924 30,171 31,114 32,211 33,327 15.2%

Hemic and Lymphatic Systems 22,216 23,122 24,996 25,988 26,980 21.4%

Total 6,347,795 6,787,846 7,284,267 7,675,787 8,128,351

Source: Benefits Delivery Network–RCS 20-0227 
VBA Annual Benefits Report

Compensation & Pension

24

The following table identifies the total number of service-connected disabilities grouped by body system. The percentages 

reflect the proportional amount that each rating represents for that body system. The last column on the next page reflects 

the proportional amount for each evaluation for all body systems, e.g. 40.3% of the total service-connected disabilities are 

rated at 10%.

Total Service-Connected Disabilities For Veterans Receiving Compensation at End of 

Fiscal Year 2006 by Percent and Body System

Rating Musculoskeletal System Auditory Skin

Neurological 

Conditions

0% 765,535 24.1% 354,681 39.0% 524,889 64.1% 66,426 11.6%

10% 1,576,997 49.7% 464,738 51.1% 250,095 30.6% 286,320 49.9%

20% 454,775 14.3% 27,046 3.0% 5,527 0.7% 84,718 14.8%

30% 158,875 5.0% 19,860 2.2% 28,608 3.5% 61,563 10.7%

40% 118,434 3.7% 14,840 1.6% 2,055 0.3% 29,727 5.2%

50% 20,440 0.6% 8,482 0.9% 3,670 0.4% 15,330 2.7%

60% 51,730 1.6% 5,076 0.6% 2,812 0.3% 10,139 1.8%

70% 4,315 0.1% 2,908 0.3% 42 0.0% 3,319 0.6%

80% 1,650 0.1% 2,990 0.3% 402 0.0% 3,383 0.6%

90% 1,056 0.0% 1,107 0.1% 5 0.0% 516 0.1%

100% 19,273 0.6% 6,948 0.8% 272 0.0% 12,371 2.2%

Total 3,173,080 39.0% 908,676 11.2% 818,377 10.1% 573,812 7.1%

Rating Digestive System Respiratory System Endocrine System

Genitourinary 

System

0% 256,869 55.3% 159,071 44.1% 7,879 1.0% 111,296 19.4%

10% 132,647 28.6% 103,856 28.8% 54,391 6.6% 33,950 5.9%

20% 27,069 5.8% 6,600 1.8% 185,592 22.7% 19,619 3.4%

30% 25,161 5.4% 47,486 13.2% 4,068 0.5% 20,017 3.5%

40% 7,503 1.6% 1,483 0.4% 15,734 1.9% 10,905 1.9%

50% 979 0.2% 17,695 4.9% 165 0.0% 41 0.0%

60% 6,046 1.3% 12,620 3.5% 4,861 0.6% 15,844 2.8%

70% 163 0.0% 153 0.0% 63 0.0% 6 0.0%

80% 115 0.0% 251 0.1% 105 0.0% 1,416 0.2%

90% 0 0.0% 1 0.0% 25 0.0% 0 0.0%

100% 7,927 1.7% 11,727 3.2% 3,211 0.4% 18,213 3.2%

Total 464,479 5.7% 360,943 4.4% 276,094 3.4% 231,307 2.8%

Continued on next page
Compensation & Pension

Compensation & Pension

25

Total Service-Connected Disabilities for Veterans Receiving Compensation at End of 

Fiscal Year 2006 by Percent and Body System; Continued

Rating

Infectious Diseases, 

Immune Disorders, 

Nutritional Deficiencies

Dental and Oral 

Conditions

Hemic and Lymphatic 

Systems Total All Conditions

0% 34,286 1.1% 17,065 1.9% 7,552 0.9% 2,451,180 30.2%

10% 3,644 0.1% 10,567 1.2% 2,296 0.3% 3,279,440 40.3%

20% 845 0.0% 3,249 0.4% 1,776 0.2% 871,701 10.7%

30% 1,729 0.1% 1,672 0.2% 8,902 1.1% 625,350 7.7%

40% 456 0.0% 487 0.1% 300 0.0% 222,164 2.7%

50% 69 0.0% 208 0.0% 32 0.0% 183,003 2.3%

60% 1,852 0.1% 17 0.0% 494 0.1% 147,396 1.8%

70% 20 0.0% 7 0.0% 201 0.0% 105,175 1.3%

80% 74 0.0% 3 0.0% 7 0.0% 10,791 0.1%

90% 1 0.0% 0 0.0% 0 0.0% 3,337 0.0%

100% 1,393 0.0% 52 0.0% 5,420 0.7% 228,814 2.8%

Total 44,369 0.5% 33,327 0.4% 26,980 0.3% 8,128,351 100.0%

Source: Benefits Delivery Network - RCS 20-0227
VBA Annual Benefits Report

Compensation & Pension

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Most Prevalent Service-Connected Disabilities

Body System and Disability

Total 

Number

Body 

System 

Total (%) Body System and Disability

Total 

Number

Body 

System 

Total (%)

Musculoskeletal System Endocrine System

Generalized musculoskeletal 

conditions 306,517 9.7% Diabetes mellitus 247,992 89.8%

Arthritis, due to trauma,

substantiated by x-ray findings 287,541 9.1% Hypothyroidism 14,532 5.3%

Other impairment of knee 236,646 7.5% Hyperthyroidism 5,150 1.9%

Impairment of Auditory Acuity Genitourinary System

Defective hearing 444,583 48.9% Generalized, genitourinary system 40,235 17.4%

Tinnitus 395,324 43.5% Malignant neoplasms of the 

genitourinary system 39,112 16.9%

Otitis media, suppurative, 

chronic 20,449 2.3% Prostate gland injuries, infections, hypertrophy, post-operative residuals 28,744 12.4%

Skin Eye

Scars, other 282,772 34.6% Generalized eye conditions 14,500 11.5%

Scars, superficial, tender and 

painful 108,029 13.2% Conjunctivitis, other, chronic 8,837 7.0%

Scars, disfiguring, head, face or 

neck 100,313 12.3% Glaucoma, simple, primary, non-congestive 7,957 6.3%

Neurological Gynecological System

Paralysis of sciatic nerve 80,803 14.1% Uterus removal of, including corpus 10,345 20.9%

Migraine 74,774 13.0% Uterus and ovaries, removal of, 

complete 10,183 20.6%

Paralysis of the median nerve 58,158 10.1%

Generalized, gynecological 

conditions and disorders of the 

breast

6,376 12.9%

Mental Disorders Infectious Diseases, Immune Disorders, and Nutritional 

Deficiencies

Post-Traumatic Stress Disorder 269,399 48.9% Malaria (inactive) 30,247 68.2%

Generalized anxiety disorder 59,926 10.9% HIV-related illness 2,979 6.7%

Major depressive disorder 45,253 8.2%

Generalized, infectious diseases, 

immune disorder and nutritional 

deficiencies

2,829 6.4%
Compensation & Pension

Compensation & Pension

27

Body System and Disability

Total 

Number

Body 

System 

Total (%) Body System and Disability

Total 

Number

Body 

System 

Total (%)

Cardiovascular System Dental and Oral Conditions

Hypertensive vascular disease 

(essential arterial hypertension) 202,718 41.3% Temporomandibular articulation, limited motion of 13,790 41.4%

Frozen feet, residuals of 

(immersion foot)

72,485 14.8% Generalized, dental and oral 

conditions

7,966 23.9%

Arteriosclerotic heart disease 60,778 12.4% Mandible, malunion of 6,412 19.2%

Digestive System Hemic and Lymphatic Systems

Hemorrhoids, external or internal 125,101 26.9% Splenectomy 6,897 25.6%

Hernia, hiatal 58,929 12.7% Non-Hodgkin’s lymphoma 4,585 17.0%

Duodenal ulcer 50,777 10.9% Generalized, hemic and lymphatic 

systems

4,144 15.4%

Respiratory System

Asthma, bronchial 58,647 16.2%

Sinusitis, maxillary, chronic 38,029 10.5%

Allergic or vasomotor rhinitis 30,705 8.5%

Source: Benefits Delivery Network- RCS 20-0227

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

2006

Body System Disability

Number of 

Veterans

All Conditions 

FY 2006

 (Percent of Total)

Impairment of Auditory Acuity Defective hearing 444,583 5.4%

Impairment of Auditory Acuity Tinnitus 395,324 4.9%

Musculoskeletal System Generalized muskuloskeletal system 306,517 3.8%

Musculoskeletal System

Arthritis, due to trauma, substantiated by 

x-ray findings 287,541 3.5%

Skin Scars, other 282,772 3.5%

Mental Disorders Post-traumatic stress disorder 269,399 3.3%

Endocrine System Diabetes mellitus 247,992 3.1%

Musculoskeletal System Other impairment of knee 236,646 2.9%

Cardiovascular System

Hypertensive vascular disease (essential 

arterial hypertension) 202,718 2.5%

Musculoskeletal System

Arthritis, degenerative, hypertrophic or osteoarthritis 166,146 2.0%

Source: Benefits Delivery Network - RCS 20-0227

Most Prevalent Service-Connected Disabilities; Continued
VBA Annual Benefits Report

Compensation & Pension

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This table shows the number of veterans receiving disability compensation at the end of fiscal year 2006 by period 

of service. Also provided are the estimated annual and average annual payments made during the fiscal year. 

Veterans Receiving Service-Connected Disability Benefits at End of Fiscal Year 2006

Period of Service Number of Veterans

Estimated Total Annual 

Amounts Paid

Estimated 

Average Annual 

Amounts Paid

World War I 2 $32,760 $16,380 

World War II 328,042 $2,896,860,864 $8,831 

Korean War 159,804 $1,513,755,264 $9,473 

Vietnam Era 947,598 $11,758,415,196 $12,409 

Gulf War Era 694,813 $4,855,512,516 $6,988 

Peacetime Periods 595,565 $4,598,277,276 $7,721 

Total 2,725,824 $25,622,853,876 $9,400 

Source: Benefits Delivery Network–RCS 20-0221
Compensation & Pension

Compensation & Pension

29

Most Prevalent Disabilities by Period of Service at End of Fiscal Year 2006

Period of Service Disability

Number of 

Disabilities

Percent of 

Total

Defective hearing 47,040 6.9%

Frozen Feet, residuals of (immersion foot) 38,135 5.6%

Tinnitus 35,134 5.2%

Scars, other 27,924 4.1%

World War II Generalized anxiety disorder 27,809 4.1%

Post-Traumatic Stress Disorder 24,903 3.7%

Arthritis, due to trauma, substantiated by x-ray 

findings 22,568 3.3%

Scars, superficial, tender and painful 14,493 2.1%

Flatfoot, acquired 13,838 2.0%

Scars, disfiguring, head, face or neck 10,725 1.6%

Defective hearing 30,279 8.5%

Tinnitus 25,826 7.3%

Frozen feet, residuals of (immersion foot) 20,888 5.9%

Scars, other 14,771 4.2%

Korean War Post-Traumatic Stress Disorder 11,423 3.2%

Arthritis, due to trauma, substantiated by x-ray 

findings 9,774 2.8%

Scars, superficial, tender and painful 7,105 2.0%

Duodenal ulcer 6,476 1.8%

Scars, disfiguring, head, face or neck 5,596 1.6%

Other impairment of knee 5,228 1.5%

Diabetes mellitus 215,430 7.5%

Post-Traumatic Stress Disorder 194,446 6.8%

Defective hearing 145,810 5.1%

Tinnitus 138,546 4.8%

Vietnam Era Scars, other 120,267 4.2%

Generalized musculoskeletal conditions 76,207 2.7%

Hypertensive vascular disease (essential arterial 

hypertension) 73,618 2.6%

Arthritis, Due to Trauma, substantiated by x-ray 

findings 71,379 2.5%

Other impairment of knee 61,471 2.1%

Paralysis of sciatic nerve 54,816 1.9%

Source: Benefits Delivery Network–RCS 20-0227
VBA Annual Benefits Report

Compensation & Pension

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Most Prevalent Disabilities by Period of Service at End of Fiscal Year 2006; Continued

Period of Service Disability

Number of 

Disabilities

Percent of 

Total

Generalized musculoskeletal conditions 141,910 5.5%

Tinnitus 129,337 5.0%

Gulf War Era

Arthritis, due to trauma, substantiated by x-ray 

findings 113,326 4.4%

Other impairment of knee 86,424 3.3%

Hypertensive vascular disease (essential arterial 

hypertension) 72,679 2.8%

Defective hearing 68,271 2.6%

Lumbosacral or cervical strain 67,749 2.6%

Scars, other 65,524 2.5%

Limited motion of the ankle 62,309 2.4%

Arthritis, degenerative, hypertrophic or 

osteoarthritis 60,724 2.4%

Generalized musculoskeletal conditions 76,962 4.7%

Other impairment of knee 76,676 4.7%

Peacetime Periods 

Arthritis, due to trauma, substantiated by x-ray 

findings 70,386 4.3%

Defective hearing 68,936 4.2%

Tinnitus 66,441 4.1%

Scars, other 54,059 3.3%

Hypertensive vascular disease (essential arterial 

hypertension) 50,111 3.1%

Lumbo-sacral strain 40,945 2.5%

Arthritis, degenerative, hypertrophic or 

osteoarthritis 39,394 2.4%

Intervertebral disc syndrome 33,677 2.1%

Source: Benefits Delivery Network–RCS 20-0227 
Compensation & Pension

Compensation & Pension

31

The table at right shows 

the total number of disabilities, average number 

of disabilities per veteran, 

number of veterans with 

compensation, and total 

veteran population at the 

end of fiscal year 2006 by 

period of service. 

Service-Connected Disabilities at End of Fiscal Year 2006 

by Period of Service

Period of Service World War II

Korean 

War

Vietnam 

Era

Gulf War 

Era

Peacetime 

Periods

Total Number of 

Disabilities 681,993 354,800 2,874,887 2,581,816 1,625,872 

Average Number 

of Disabilities per 

Veteran 2.08 2.22 3.03 3.72 2.73 

Veterans Receiving 

Compensation 328,042 159,804 947,598 694,813 595,565 

Total Veteran 

Population 3,151,481 3,086,419 7,955,715 4,646,527 6,141,897 

Source: RCS 20-0221, 20-0227

Dependency and Indemnity Compensation

Dependency and Indemnity Compensation (DIC) is payable to survivors of veterans who die of service-related 

causes. This section provides information about surviving spouses, children, and parents who received DIC during 

fiscal year 2006.

The tables below show the number of surviving spouses, children (those not included as dependents on a surviving 

spouse’s award), and dependent parents initially awarded DIC benefits during fiscal year 2006.

Total Beneficiaries Who Began Receiving DIC from Fiscal Year 2002-2006

Type of Benefit 2002 2003 2004 2005 2006

Surviving Spouses 16,571 17,029 17,007 17,480 15,993 

Surviving Children 1,940 1,930 1,821 1,396 1,248 

Surviving Parents 195 229 291 286 220 

Total 18,706 19,188 19,119 19,162 17,461

Source: Benefits Delivery NetworkCP-127

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2006

Age

Number of 

Beneficiaries

Estimated Annual 

Payments

Percentage of 

Total

35 and under 646 $8,309,652 4%

36-55 2,823 $37,261,254 18%

56-75 7,721 $103,109,482 48%

Over 75 4,803 $65,065,002 30%

Total 15,993 $213,745,391 100%

Source: Benefits Delivery Network - COIN CP127
VBA Annual Benefits Report

Compensation & Pension

32

Total Beneficiaries Receiving DIC by Relationship at End of Fiscal Year 2006

Relationship Number of Beneficiaries Percent

Surviving Spouse 308,322 94.6%

Child 11,717 3.6%

Parent 5,900 1.8%

Total 325,939 100%

Source: Benefits Delivery Network - COIN CP-127

Age of Children Who Began Receiving DIC Benefits in Fiscal Year 2006

Children’s Age Number of Beneficiaries Estimated Annual Payments

Under Age 181 566 $3,088,669

Age 18 and Over in School 488 $1,529,646

Age 18 and Over - Helpless 194 $1,312,596

Total 1,248 $5,930,911

Source: Benefits Delivery Network–COIN CP 127

1

 Includes 192 consolidated awards that account for more than one child

The table below shows children who began receiving DIC benefits in fiscal year 2006 by two age categories: those 

under age 18 and those over 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.

The table below identifies the total number of beneficiaries on the rolls receiving service-connected death benefits 

at the end of fiscal year 2006.
Compensation & Pension

Compensation & Pension

33

The tables below show the total number of beneficiaries and amounts paid to beneficiaries receiving DIC and 

Death Compensation (pre-DIC program). The numbers are portrayed by period of service, surviving spouses, 

and children.

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

End of Fiscal Year 2006

Period of Service

Number of 

Beneficiaries

Estimated Average 

Annual Amounts Paid

Estimated Total 

Annual

 Amounts Paid

Spanish American War 3 $8,340 $25,020 

Mexican Border 1 $12,396 $12,396 

World War I 959 $12,236 $11,734,476 

World War II 102,664 $13,210 $1,356,269,316 

Korean 36,434 $13,600 $495,507,168 

Vietnam 135,807 $13,048 $1,772,002,884 

Gulf War Era 14,939 $13,637 $203,725,932 

Peacetime 35,132 $13,063 $458,919,672 

Total 325,939 $13,187 $4,298,196,864 

Source: Benefits Delivery Network–RCS 20-0221 

Surviving Spouses Receiving DIC by Age at End of Fiscal Year 2006

Age

Number of 

Beneficiaries

Estimated Average 

Annual Amounts Paid Annual Payment

Age 35 and Under 3,038 $13,189 $40,068,607 

36-55 32,228 $13,187 $424,997,037 

56-75 130,540 $13,187 $1,721,440,153 

Over 75 160,133 $13,187 $2,111,691,067 

Total 325,939 $13,187 $4,298,196,864 

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

Children Receiving DIC by Age at End of Fiscal Year 2006

Age

Number of 

Beneficiaries

Estimated Average 

Annual Amounts Paid Annual Payment

Under Age 18* 4,029 $5,798 $23,360,819 

Age 18 and Over in School 461 $3,182 $1,466,955 

Age 18 and Over and Helpless 7,227 $6,871 $49,655,380 

Total 11,717 $6,357 $74,483,154 

Source: Benefits Delivery Network - COIN CP-127

* Includes 2,053 consolidated awards that account for more than one child
VBA Annual Benefits Report

Compensation & Pension

34

Disability Pension

Disability pension is payable to wartime veterans who 

are age 65 and older or are determined permanently 

and totally disabled as the result of a non-service 

connected disability. Disabilities for pension claims 

are evaluated in the same manner as disabilities for 

compensation claims (using the VA Schedule for Rating 

Disabilities in Title 38, U.S. Code of Part 4). 

The tables below show the number of veterans added 

to the disability pension rolls during fiscal year 2006, 

the total annual amount and average annual amount of 

disability pension payments.

The category called Other Pension Programs consists 

of two older pension programs—Old Law and Section 

306. While VA still pays benefits under these programs, 

it does not accept new applications for them. If a 

beneficiary ever loses entitlement to these older pension programs due to changes in eligibility criteria, the 

beneficiary must establish entitlement to pension under 

the rules of the current program.

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2006

Type of Pension Number of Veterans

Estimated Average 

Annual Amounts Paid

Estimated Total 

Annual Amounts Paid

PL 95-588– New Law Pension 45,474 $9,200 $418,338,412 

Other Pension Programs 13 $1,469 $19,092 

Total 45,487 $9,197 $418,357,504 

Source: Benefits Delivery Network–COIN CP 103

Total Veterans Receiving Disability Pension at End of Fiscal Year 2006

Type of Pension Number of Veterans

Estimated Average 

Annual Amounts Paid

Estimated Annual 

Amounts Paid

Protected (Old Law) Pension 110 $1,064 $117,084 

Section 306 Pension 8,601 $1,635 $14,058,816 

PL 95-588 New Law Pension 321,145 $8,351 $2,681,734,056 

Total 329,856 $8,173 $2,695,909,956 

Source: Benefits Delivery Network—RCS-20-0221
Compensation & Pension

Compensation & Pension

35

The first table below shows the distribution of veterans by period of service as of fiscal year 2006. The second 

chart displays the number of veterans who began receiving disability pension benefits during fiscal year 2006 and 

the annual amount of disability pension payments for each age group. The “Other Pension” category groups the 

two older pension programs, Potected Pension (or Old Law and Section 306 Pension), into one. Additionally, this 

category references entitlement restored. The average age of a veteran in these programs is 68.4 years. The third 

chart shows veterans receiving disability pension by age, end of fiscal year 2006.

Disability Pension by Period of Service at End of Fiscal Year 2006

Period of Service

Other Pension 

- Number of 

Beneficiaries

New Law Pension 

- Number of 

Beneficiaries

Total Period of 

Service

Estimated Annual 

Payments

World War I 0 7 7 $55,188

World War II 5,483 95,993 101,476 $737,349,300

Korean War 2,498 64,165 66,663 $404,287,092

Vietnam War 730 155,233 155,963 $1,495,137,204

Gulf War Era 0 5,747 5,747 $59,081,172

Total 8,711 321,145 329,856 $2,695,909,956

Source: Benefits Delivery Network–RCS 20-0221

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

Number of Veterans Who Began Receiving Disability Pension Benefits During Fiscal 

Year 2006 by Age

Age

Other 

Pension*

New Law 

Pension

Combined 

Programs

Estimated Annual 

Payments

Percentage of 

Total

35 and under 0 385 385 $3,526,030 0.8%

36-55 0 9,209 9,209 $84,340,811 20.2%

56-75 2 16,805 16,807 $153,927,246 36.9%

Over 75 11 19,075 19,086 $174,799,513 42.0%

Total 13 45,474 45,487 $416,593,599 100.0%

Source: Benefits Delivery Nework - COIN CP-103

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

references entitlement restored.

Veterans Receiving Disability Pension End of Fiscal Year 2006 by Age

Age Number of Veterans Estimated Annual Payments

 Under 45 4,731 $48,760,908 

 45-54 44,139 $437,186,796 

 55-69 113,951 $1,074,032,184 

 70-84 124,866 $799,878,048 

 85 and Over 42,169 $336,052,020 

Total 329,856 2,695,909,956

 Source: Benefits Delivery Network - RCS 20-0236 Table 2, RCS 20-0238 Table 8 
VBA Annual Benefits Report

Compensation & Pension

36

Death Pension

The death pension program provides income support to surviving spouses and dependent children of wartime 

veterans who are experiencing financial hardship. Laws establish income limits and regulate the rates of payment. 

Death pension is paid under the current pension program as well as under the two “grandfathered” prior programs.

The number of beneficiaries added to the death pension rolls during fiscal year 2006 is shown below. The table 

also shows the estimated total annual amount and the estimated average annual amount of death pension 

payments. 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 meet certain income and entitlement criteria. The bottom two tables 

show the total beneficiaries receiving death pension and the estimated total annual amounts as of the end of fiscal 

year 2006 and the age of surviving spouses who began receiving death pension benefits during fiscal year 2006.

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2006 by Age

Age

Other 

Pension*

New Law 

Pension

Combined 

Programs

Estimated Annual 

Payments Percent of Total

35 and under 0 62 62 $348,872 0.3%

36-55 0 2,181 2,181 $12,272,403 9.1%

56-75 1 5,600 5,601 $31,516,611 23.4%

Over 75 2 16,070 16,072 $90,436,524 67.2%

Total 3 23,913 23,916 $134,574,409 100.0%

Source: Benefits Delivery Network - COIN CP-103

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

references entitlement restored.

Beneficiaries Who Began Receiving Death Pension During Fiscal Year 2006 by Program 

Type of Pension

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

PL 95-588– New Law Pension 24,036 $5,601 $134,630,847 

Other Pension Programs 197 $1,591 $313,358 

Total 24,233 $5,569 $134,944,205 

Source: Benefits Delivery Network–COIN CP 103

Total Beneficiaries Receiving Death Pension by Program at End of Fiscal Year 2006

Type of Pension

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts 

Protected (Old Law) Pension 341 $723 $246,540

Section 306 Pension 39,092 $1,071 $41,863,236

PL 95-588 New Law Pension 161,203 $4,274 $688,962,288

Total 200,636 $6,068 $731,072,064

Source: Benefits Delivery Network–RCS 20-0221 
Compensation & Pension

Compensation & Pension

37

Survivng Spouses Receiving Death Pension at End of Fiscal Year 2006 by Age

 Age Other Pension* New Law Pension

All Pension 

Programs

Estimated Annual 

Payments

Age 35 and Under - 229 229 $1,006,785 

36-55 138 14,414 14,552 $63,533,568 

56-75 3,162 50,375 53,537 $225,210,961 

Over 75 26,311 91,445 117,756 $433,055,576 

Total 29,611 156,463 186,074 $722,806,889 

Source: Benefits Delivery Network - COIN CP-103

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

references entitlement restored.

Non Service-Connected Death Pension by Period of Service

Period of Service Total Percent of Total

Wars of 1800s* 312 0.2%

World War I 10,170 5.1%

World War II 141,604 70.6%

Korean War 27,368 13.6%

Vietnam Era 20,875 10.4%

Gulf War Era 307 0.1%

Total 200,636 100%

Source: CP-103 

*Wars of the 1800s” include the Civil War, Mexican Border Era, and Spanish-American War

Death Pension by Period of Service at End of Fiscal Year 2006

Period of Service

Other Pension 

- Number of 

Beneficiaries

New Law Pension 

- Number of 

Beneficiaries

Total Period of 

Service

Estimated Annual 

Payments

Wars of 1800s* 169 143 312 $1,044,300

World War I 4,927 5,243 10,170 $26,134,800

World War II 30,749 110,855 141,604 $471,753,204

Korean War 3,051 24,317 27,368 $102,853,728

Vietnam Era 537 20,338 20,875 $127,356,756

Gulf War Era 0 307 307 $1,929,276

Total 39,433 161,203 200,636 $731,072,064

Source: Benefits Delivery Network–RCS 20-0221

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

*“Wars of the 1800s” include the Civil War, Mexican Border Era, and Spanish-American War.
VBA Annual Benefits Report

Compensation & Pension

38

Fiduciary Program

VA’s Fiduciary Program is responsible for protecting the benefit entitlement of incompetent VA beneficiaries and 

ensuring that benefits are issued for their welfare and needs. Program responsibilities include selecting and 

monitoring a qualified fiduciary that meets the needs and situation of the beneficiary. This section provides information concerning fiduciaries who have been appointed to receive payments for VA beneficiaries. The tables below 

provide the number of beneficiaries with a fiduciary by payee type, and the annual and average amounts paid by 

benefit program. The table at bottom shows the relationship of the fiduciaries to the beneficiaries.

Number of Beneficiaries by Payee Type

Payee Type Number of Beneficiaries

Veteran 65,273 

Surviving Spouse 14,269

Adult Disabled Child 18,075

Minor Child 2,896

Dependent Parent 134

Total 100,647 

Source: COIN DOOR 7009

Benefits Paid by Benefit Program

Benefit Program/ Payee Category

Estimated Total Annual 

Amounts Paid 

Estimated Average Annual 

Amounts Paid 

Compensation-Disability $1,007,325,684 $29,214 

Compensation-Death $95,371,920 $8,909 

Pension-Disability $262,897,584 $10,494 

Pension-Death $67,751,544 $3,033 

 Total $1,433,346,732 $15,482 

Source: CP 129 - December 2006

Relationship of Fiduciary

Relationship Number

Legal Custodian 68,488

Spouse 14,005 

Court-appointed Fiduciary 11,482

Institutional 3,704

Supervised Direct Payment 2,966

Supt. of Indian Reservation 2

Total 100,647 

Source: COIN DOOR 7009
Education

Education

39

Education

VA Education programs provide veterans, servicemembers, 

reservists, and certain family members of veterans with 

educational resources to supplement opportunities missed 

because of military service. These programs are also meant 

to help the armed forces both recruit and retain members. 

For members of the armed forces, VA educational benefits 

assist in the readjustment to civilian life. On a broader scale, 

educational benefits are meant to enhance the Nation’s 

competitiveness through the development of a more highly 

educated and more productive workforce.

Current Benefits 

There are five active education programs: 

 All-Volunteer Force Educational Assistance Program 

(Montgomery GI Bill – Active Duty)

Educational Assistance for Members of the Selected 

Reserve (Montgomery GI Bill – Selected Reserve)

Reserve Educational Assistance Program (REAP).

 Post-Vietnam Era Veterans’ Educational Assistance 

Program (VEAP)

Survivors’ and Dependents’ Educational Assistance 

(Dependents Educational Assistance - DEA)

Education Programs

All-Volunteer Force Educational Assistance Program 

(Montgomery GI Bill - Active Duty)

Montgomery GI Bill – Active Duty (MGIB-AD) is a 

contributory program. The servicemember’s pay is 

automatically reduced by $100 per month for the first 

12 months of active duty unless the servicemember 

declines to participate at the time of enlistment.

Requirements and features of MGIB-AD are as follows:

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

Must fulfill one's basic service obligation;

Must have completed the requirements of a secondary 

school diploma, or its equivalent, before applying for 

benefits;

Must receive an honorable discharge;

•

•

•

•

•

•

•

•

•

Maximum entitlement is 36 months;

The Department of Defense (DoD) may increase 

an individual’s monthly benefit by up to $950 based 

upon the military skill or specialty of that individual;

Amount of basic benefit may be increased by up to 

$150 each month by making an additional contribution 

up to $600; and,

Generally, must use benefits within 10 years following 

discharge

Educational Assistance for members of the Selected 

Reserve (Montgomery GI Bill - Selected Reserve)

Montgomery GI Bill – Selected Reserve (MGIB-SR)

is the first GI Bill to provide educational assistance to 

members of the Selected Reserve (including National 

Guard members). DoD funds this program and is 

responsible for determining eligibility. VBA administers 

the program.

Requirements and features of MGIB-SR include:

Must agree to a six-year Selected Reserve obligation 

after June 30,1985;

Must have completed the requirements of a secondary 

school diploma, or its equivalent, before applying for 

benefits;

Must remain a member in good standing in the 

Selected Reserve;

Maximum entitlement is 36 months; and

Generally, must use benefits within 14 years of date 

eligibility began

•

•

•

•

•

•

•

•

•
VBA Annual Benefits Report

Education

40

Reserve Educational Assistance Program (REAP)

REAP provides educational assistance to members of 

the National Guard and Reserves who serve on active 

duty in support of a contingency operation under federal 

authority on or after September 11, 2001. Requirements 

and features of REAP are as follows:

DoD determines eligibility to REAP

Members who served on active duty beginning on or 

after September 11, 2001;

Must have served on active duty in support of a 

contingency operation under federal authority for a 

minimum of 90 consecutive days;

Maximum full time entitlement is 36 months;

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

enlistment rate

Post-Vietnam Era Veterans Educational Assistance 

Program (VEAP)

VEAP was the first GI Bill program that required a 

contribution by the servicemember. Requirements and 

features of VEAP are as follows:

First entered active duty after December 31, 1976, 

and before July 1, 1985;

Contributed to VEAP while on active duty and before 

April 1, 1987;

Maximum contribution of $2,700 by the servicemember;

Government matches contribution $2 for $1;

Maximum entitlement is 36 months;

Benefit must be used within 10 years of the last 

discharge from the service;

Unused contributions may be refunded;

Additional "kickers” or contributions from the Department 

of Defense (DoD) under certain circumstances; and

Current full-time VEAP rate is based on the monthly 

contributions up to a maximum of $300 per month 

plus any DoD "kicker" adjustment.

•

•

•

•

•

•

•

•

•

•

•

•

•

•

Dependents Educational Assistance (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 generally have 10 years in which to use 

benefit and 20 years if the veteran dies on active 

duty;

 A spouse loses entitlement if they remarry before 

age 57 but may have entitlement restored if the 

remarriage terminates by death or divorce;

Expanded to grant eligibility to spouses and children 

of service members who are hospitalized or receiving 

outpatient care for a permanent and total disability 

while still on active duty.

•

•

•

•

•

•

•
Education

Education

41

Quick Reference Guide

The following table shows the number of veterans, servicemembers, reservists, and dependents who received 

education benefits from fiscal year 2002-2006. The second table on this page displays the number of beneficiaries 

who began receiving education benefits by the type of training and program in fiscal year 2006. The type of training 

has remained fairly consistent for all five programs with the majority of trainees pursuing under-graduate programs 

of study. The table on the next page displays training available under the four benefit programs. 

Beneficiaries by Program Fiscal Years 2002-2006

 Program 2002 2003 2004 2005 2006 

MGIB-AD1 323,165 321,837 332,031 336,347 332,872

MGIB-SR2 85,766 88,342 88,650 87,161 65,511

REAP 0 0 0 0 23,746

DEA 53,888 61,874 68,920 74,267 75,361

VEAP 1,340 917 796 723 739

Total 464,159 472,970 490,397 498,498 498,229

Source: Education Service SAS reports

1

 MGIB AD Includes Peacetime Veterans and Servicemembers

2

Based on service in the Selected Reserve

New Education Beneficiaries by Training Type and Program During Fiscal Year 2006

Education Program

College,

Non-Degree Graduate

UnderGraduateVocational/

Technical

Program

Totals

Percent

of All

Programs

MGIB-AD1 2,347 2,977 52,258 4,602 62,184 60.6% 

MGIB-SR2 292 344 10,012 408 11,056 10.8%

REAP 7,006 1,532 14,154 1,054 23,746 23.1%

DEA3 331 182 4,315 559 5,569 5.4%

VEAP 3 15 68 7 93 0.1%

Type Training Totals 9,979 5,050 80,807 6,630 102,648 100.0%

Percent of Program Totals 9.7% 4.9% 78.8% 6.5%

Source: Education Service SAS Reports 

1

 MGIB AD Includes Peacetime Veterans and Servicemembers

2

Based on service in the Selected Reserve

3

DEA less than one-half time includes cooperative and correspondance training
VBA Annual Benefits Report

Education

42

Training Available Under the Four Benefit Programs

Available Training MGIB-AD MGIB-SR DEA VEAP REAP

College or University Degree X X X X X

Business, Technical or Vocational Programs X X X X X

Independent Study or Distance Learning X X X X X

Correspondence Courses X X X1 X X

Flight Training X X X2 X X

Reimbursement of Licensing & Certification Exams X X X X X

Accelerated Payments for High Tech Classes X

Reimbursement for National Admissions & Credit Exams X X X

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

Tuition Assistance Top Up Program X

Entrepreneurship Courses X X

Remedial, Deficiency, & Refresher Training (in some cases) X X X X X

H.S. Diploma or GED X X

1

Spouses only

2

Only at institutions of higher learning for credit towards a college degree
Education

Education

43

Data

New Beneficiaries Receiving Education Benefits 

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2006

 Program

Number of New

Beneficiaries

Percent

of Total Total Beneficiaries Total Payments 

MGIB-AD1 62,184 60.6% 332,872 $1,995,531,647 

MGIB-SR2 11,056 10.8% 65,511 $190,167,838 

REAP2 23,746 23.1% 23,746 $19,469,538 

DEA 5,569 5.4% 75,361 $494,909,355 

VEAP 93 0.1% 739 $1,034,991 

Total 102,648 100.0% 498,229 $2,701,113,369 

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

1

MGIB AD Includes Peacetime Veterans and Servicemembers

2

Based on service in the Selected Reserve

Beneficiaries Who Began Receiving Education Benefits by Training Time and Program

During Fiscal Year 2006

 Program

Less Than

One-Half

Time

Half

Time

Three

Quarter

Time

Full

Time

Program

Totals

Percent

of All

Programs

MGIB-AD1 2,919 8,368 6,854 44,043 62,184 60.6%

MGIB-SR 451 1,210 1,229 8,166 11,056 10.8%

REAP 903 2,235 2,314 18,294 23,746 23.1%

DEA2 301 696 741 3,831 5,569 5.4%

VEAP 13 30 15 35 93 0.1%

Training Time Totals 4,587 12,539 11,153 74,369 102,648 100.0%

Percent of Program Totals 4.5% 12.2% 10.9% 72.5%

Source: Education Service SAS reports

1

MGIB-AD includes peacetime veterans and servicemembers

2

DEA less than one half time includes cooperative and correspondance training

Beneficiaries Who First Began Receiving Education Benefits by Fiscal Year

 Program 2002 2003 2004 2005 2006 

MGIB-AD1 72,566 73,270 76,496 68,414 62,184

MGIB-SR2 29,802 21,055 20,193 19,589 11,056

REAP 0 0 0 0 23,746

DEA 14,964 16,728 11,624 11,047 5,569

VEAP 174 222 175 155 93

Total 117,506 111,275 108,488 99,205 102,648

Source: Education Service SAS reports

1

MGIB-AD includes peacetime veterans and servicemembers

2

Based on service in the Selected Reserve
VBA Annual Benefits Report

Education

44

Beneficiaries Whose Benefits Terminated During Fiscal Year 2006 

by Program and Reason

Program

Entitlement

Exhausted

Delimiting

Date

Total

Terminations

Percent of

Total

Terminations

MGIB-AD 19,308 5,750 25,058 87.7%

MGIB-SR 2,959 92 3,051 10.7%

DEA 264 144 408 1.4%

VEAP 34 16 50 0.2%

Total 22,565 6,002 28,567 100%

Percent of Total Terminations 79.0% 21.0% 100%

Source: Education Service SAS Reports

Beneficiaries Whose Benefits Terminated During Fiscal Year 2006 by Program

Program 2002 2003 2004 2005 2006

MGIB-AD 19,248 20,094 23,406 25,169 25,058

MGIB-SR 1,792 3,029 3,046 3,073 3,051

DEA 248 270 681 811 408

VEAP 254 134 90 94 50

Total 21,542 23,527 27,223 29,147 28,567

Source: Education Service SAS Reports

Beneficiaries Terminating Education Programs

Educational assistance terminates when a veteran exhausts entitlement or reaches the deadline for using the 

benefit.

Veterans, servicemembers 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 are used, payment of the benefit ends.

The delimiting date is the amount of time a dependent has to use educational assistance. Veterans generally have 10 

years from the date of their last discharge from active military service. Reservists have either 14 years (for those who 

were eligible on or after October 1, 1992) from the date their eligibility began or until the day following separation from the 

Selected Reserve, whichever is 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, 20 if the servicemember dies on 

active duty.
Education

Education

45

Education Enhancements

Recently, four additional opportunities have been added for beneficiaries to use their benefits. Beneficiaries may 

use Tuition Assistance Top-Up (TATU), repayment for licensing and certification tests, accelerated payments, and 

transferability of MGIB-AD benefits.

The TATU program permits VA to issue a payment to an individual for all or any portion of the difference between 

the military service’s tuition assistance (TA) amount and the total cost of tuition and related expenses, up to an 

individual’s normal monthly benefit. An individual must receive military tuition assistance for the course to be eligible 

for TATU payments. There was a 2.5 percent increase in the number of unique trainees in fiscal year 2006 compared to fiscal year 2005. 

Beneficiaries may receive up to $2,000 in reimburse­ment for approved licensing and certification tests taken on or 

after March 1, 2001. VA is limited to reimbursement of the actual approved test fee, and cannot reimburse other costs 

that may be associated with obtaining a license or certification. The number of unique individ­uals receiving reimbursement for licensing and certifica­tion tests decreased by almost 11 percent in fiscal year 2006 compared to fiscal year 

2005.

Accelerated payments may be made for certain high-cost, high-tech programs for enrollments on or after Octo­ber 

1, 2002. To qualify, beneficiaries must be enrolled in a high-tech program and must certify that they intend to seek 

employment in a high-tech industry as defined by VA. Beneficiaries requesting accelerated payment receive a 

lump-sum payment of 60 percent of their tuition and fees (the cost of tuition and fees for the term must be equal 

to, or greater than, 200 percent of the MGIB benefit otherwise payable for the term). Total payments under this 

program increased by 6 percent in fiscal year 2006 compared to fiscal year 2005.

Unique Trainees and Payments ($000)

FY 2003 FY 2004 FY 2005 FY 2006

Tuition Assistance Top-Up 12,520 $12,592 11,786 $14,974 12,905 $17,868 13,245 $19,710 

License and Certification Tests 3,382 $1,743 4,387 $1,819 3,334 $1,479 2,971 $1,414 

Accelerated Payment1 0 $2,818 0 $6,621 0 $5,722 0 $6,116 

Total 15,902 $17,153 16,173 $23,414 16,239 $25,069 16,216 $27,240 

Source: Education Service SAS Reports

1

Number of unique trainees not available
VBA Annual Benefits Report

Education

46

Summary

Overall, the number of beneficiaries in the five programs remained consistent in fiscal year 2006 compared to fiscal 

year 2005. The MGIB-SR program saw a slight decrease of 7% in fiscal year 2006. This decrease can be attributed 

to MGIB-SR program participants transitioning into the new REAP program. Reserve program participants overall 

remained consistent when comparing fiscal year 2005 to fiscal year 2006. Most beneficiaries in the four programs 

are using their benefits on a full-time basis for training that leads to an undergraduate degree. 

The overall usage of MGIB, our largest program, grew from 57.9% in fiscal year 2001, to 66.5% in fiscal year 

2006. The MGIB usage rate is derived by dividing the number of veterans who have received MGIB benefits by 

the number of all veterans who participated in MGIB and separated from active military service. The usage rate 

includes those veterans who are still within their 10 year eligibility period but have not yet applied for education 

benefits. The usage rate for those veterans who have passed their eligibility period has continued to be above 

70% between fiscal year 2001 and fiscal year 2006. We expect these trends to continue in fiscal year 2007 and 

fiscal year 2008. 
Insurance

Insurance

47

Life Insurance

History

Traditionally, few commercial life insurance companies 

offered life insurance that included coverage against 

death while in the armed forces. Those that did charged 

a high premium rate because of the additional risk. 

Currently, service members leaving the armed forces 

are eligible to maintain their VA life insurance following 

discharge. In general, a new life insurance program 

was created for each wartime period starting with World 

War I. The various life insurance programs can be 

conveniently grouped into the following three categories; 

Matured Life Insurance Programs, Disabled Veterans 

Life Insurance Programs, and Uniformed Services and 

Post-Vietnam Life Insurance Programs.

America entered World War I in April 1917. The War 

Risk Insurance Act was amended on June 12, 1917, to 

cover merchant marine personnel. The Act was again 

amended on October 6, 1917, authorizing, for the first 

time, issuance of government life insurance to members 

of the armed forces. Over 4 million policies were issued 

during World War I. With each succeeding war, the 

government through the VA continued to provide Life 

Insurance to the military members while on active duty 

and after separation.

Purpose

The purpose of the program is to provide service 

members and their families with universally available 

life insurance (available to all service members and 

their families without underwriting), as well as traumatic 

injury protection insurance for service members. It also 

provides for the conversion to a renewable term insurance 

policy after a service member’s separation from service. In 

addition, the program provides life insurance to veterans 

who have lost their ability to purchase commercial 

insurance at standard (healthy) rates due to lost or 

impaired insurability resulting from military service.

Benefits and services will be provided in an accurate, 

timely and courteous manner and at the lowest achievable 

administrative cost. Insurance coverage will be provided in 

reasonable amounts at competitive premium rates largely 

comparable to those offered by commercial companies. 

A competitive, secure rate of return will be ensured on 

investments held on behalf of the insured.

Current Benefits

Matured Life Insurance Programs 

These programs were established to provide the same 

or better life insurance benefits than were available to 

private citizens when these programs were established. 

The matured life insurance programs are closed to the 

issuance of new coverage but continue to have active 

policies. These include the National Service Life 

Insurance (NSLI), United States Government Life 

Insurance (USGLI), Veterans’ Special Life Insurance 

(VSLI) and Veterans’ Reopened Insurance (VRI) 

programs.

Disabled Veterans Insurance Programs

These programs were established to provide insurance 

coverage and services to veterans who lose their ability 

to purchase commercial insurance at standard (healthy) 

rates because of their service-connected disabilities. 

These life insurance programs continue to issue coverage. 

These include the Service-Disabled Veterans Insurance 

(S-DVI) and the Veterans’ Mortgage Life Insurance 

(VMLI) programs.

Uniformed Services and Post-Vietnam 

Veterans

These programs were established to provide insunce 

coverage and services to active duty and reserve 

members of the uniformed services that are commonly 

provided by large scale civilian employers. These include 

the Servicemembers’ Group Life Insurance (SGLI), Family 

Servicemembers’ Group Life Insurance (FSGLI), Traumatic 

Injury Protection Insurance (TSGLI) and the Veterans’ 

Group Life Insurance (VGLI) programs.
VBA Annual Benefits Report

Insurance

48

Lives Insured

Lives Insured 2002 2003 2004 2005 2006

Face Amount ($ in billions) 749 745 757 1,155 1,114

Veterans 

(Administered Programs) 1,704,907 1,767,902 1,522,193 1,434,806 1,346,836

Veterans (VMLI) 3,060 2,793 2,625 2,514 2,438

Veterans (VGLI) 390,881 400,845 407,823 417,500 428,019

Servicemembers (SGLI) 2,406,500 2,410,500 2,448,500 2,482,500 2,391,500

Spouses and Children (FSGLI) 3,113,000 3,090,000 3,090,000 3,064,000 3,099,000

Total Lives Insured 7,618,348 7,672,040 7,471,141 7,401,320 7,267,793

Source: FY 2006 State of residency report; FY 2006 Policy Exhibit

Quick Reference Guide

This table displays the number of lives insured and the face amount for both the administered and supervised insurance 

programs.

The table below displays the amount of death awards paid to beneficiaries of both the administered and supervised 

insurance programs. It also displays the amount of dividends, loans, matured endowments, cash surrenders, and 

disability claims paid on administered policies.

Benefits Paid

Benefits 2002 2003 2004 2005 2006

Death Awards $1,614,713,636 $1,723,625,327 $1,867,222,516 $1,928,795,079 $2,229,259,919

Dividends $624,446,188 $576,620,666 $525,494,110 $461,928,451 $421,581,323

Loans Made $74,635,000 $62,446,000 $56,325,000 $54,625,000 $61,029,000

Matured

Endowments $13,641,000 $21,492,000 $22,306,000 $14,976,000 $16,612,895

Cash Surrenders $56,087,000 $50,803,000 $48,649,000 $53,002,000 $54,622,116

Disability Claims $23,494,000 $21,565,000 $19,753,000 $18,075,000 $16,483,000

Total $2,407,016,824 $2,456,551,993 $2,539,749,626 $2,531,401,530 $2,799,588,253

Source: FY-2006 Policy Exhibit; FY-2006 Statement of Operations and Changes in Net Position; FY-2006 Policy Exhibit Cover Sheet; FY-2006 Statement of Cash Flows; 

Annual Benefits Reports 2002-2005
Insurance

Insurance

49

Death Awards (Number)

2002 2003 2004 2005 2006

Administered 106,253 104,699 105,905 103,083 99,883

Supervised 4,066 5,181 5,919 6,161 6,383

Total 110,319 109,880 111,824 109,244 106,266

Source: FY-2006 Policy Exhibit. VMLI Database – VMLI Quarterly Report; FY-2006 Statement of Financing and Changes in Net Position; Veterans and Reservists Group 

Insurance System – OSGLI Monthly Report; Annual Benefits Reports 2002-2005

Operations Statistics-Administered

2002 2003 2004 2005 2006

Loans 25,961 26,127 24,428 24,445 25,493

Cash Surrenders 13,673 12,515 11,949 12,525 9,156

Calls Answered 752,753 725,949 756,018 688,442 679,558

Correspondence Received 150,412 135,494 137,248 154,790 148,675

Change of Address 67,796 45,279 39,473 53,103 55,986

Online Loan Applications 360 849 1,166

Total 1,010,595 945,364 969,476 934,154 920,034

Source: Distribution of Operational Resources Report

Death Awards (Amount)

2002 2003 2004 2005 2006

Administered $1,014,812,629 $1,044,505,988 $1,085,407,687 $1,071,868,773 $1,069,085,161 

Supervised $599,901,007 $679,119,339 $781,814,829 $856,926,306 $1,160,174,758

Total $1,614,713,636 $1,723,625,327 $1,867,222,516 $1,928,795,079 $2,229,259,919

Source: FY-2006 Policy Exhibit. VMLI Database – VMLI Quarterly Report; FY-2006 Statement of Financing and Changes in Net Position; Veterans and Reservists Group 

Insurance System – OSGLI Monthly Report; Annual Benefits Reports 2002-2005

The tables below display the number and dollar amount of death awards paid to beneficiaries of both the administered 

and supervised insurance programs. The last table below displays the number of end products processed on 

administered policies.
VBA Annual Benefits Report

Insurance

50

Programs That No Longer Issue Coverage

Matured Insurance Programs Years

Maximum 

Coverage

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

 National Service Life Insurance (NSLI) 1940-1951 $10,000* 

 Veterans’ Special Life Insurance (VSLI) 1951-1956 $10,000* 

 Veterans’ Reopened Insurance (VRI) 1965-1966 $10,000* 

Source: VA Life Insurance Booklet

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

Programs That Issue Coverage

Uniformed Services and Post-Vietnam 

Veterans Life Insurance Programs Years

Maximum 

Coverage

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

 Servicemember’s Group Life Insurance (FSGLI) - 

 Spouse’s Coverage 2001-present $100,000

 Servicemember’s Group Life Insurance (FSGLI) - 

 Children’s Coverage 2001-present $10,000

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

Disabled Veterans’ Life Insurance Programs Years

 Maximum 

Coverage

 Service-Disabled Veterans Insurance (SDVI) 1951-present $10,000**

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

Source: VA Life Insurance Booklet

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

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

DATA

The tables below show the maximum coverage available by insurance program. The “Years” column indicates the 

policy issuance time frames for each program.
Insurance

Insurance

51

2006 Rankings by Total Life Insurance In-Force

Rank Company Total Life Insurance

1 Metropolitan Life & Affiliated $4,399,078,000,000

2 Prudential of America Group $2,033,233,000,000

3 Swiss Reinsurance Group $1,505,532,000,000

4 ING USA Life Group $1,423,651,000,000

5 Aegon USA Inc $1,313,891,000,000

6 VA Life Insurance Programs $1,308,115,000,000

7 American International Group $1,108,406,000,000

8 Northwestern Mutual Group $931,350,000,000

9 New York Life Group $878,638,000,000

10 Hartford Life Group $862,902,000,000

11 Lincoln National Corp $828,647,000,000

12 Genworth Financial Group $758,265,000,000

13 Scottish Reinsurance Group $679,538,000,000

14 Munich America Reassurance Co $677,391,000,000

15 UnumProvident Corp $623,075,000,000

Source: Best’s Review, September 2006

The following table compares VA life insurance programs with commerical life insurance companies. The comparison 

is based on the total face value of active life insurance in effect. Rankings for 2006 are shown below.
VBA Annual Benefits Report

Insurance

52

New Life Insurance Coverage Issued During Fiscal Year 2006

 Life Insurance

Number of

People Insured

Total

 Coverage Amount

Average

Face Value

Maximum

Face Value

 VMLI1 264 $21,601,685 $81,800 $90,000

 SDVI2, 3 14,218 $157,681,500 $11,090 $10,000

 VGLI4 33,947 $7,176,325,00 $211,398 $400,000

 SGLI5 311,925 $120,029,561,200 $384,803 $400,000

 SGLI6 - Child 171,342 $1,713,420,000 $10,000 $10,000

 FSGLI6 - Spouse 172,119 $16,933,550,013 $98,383 $100,000

Total 703,815 $146,032,139,398 $207,487

 1 Source: VMLI Database – VMLI Quarterly Report

 2 Source: SDVI-FY 2006 Policy Exhibit

 3 Source: Additional Coverage, up to $20,000, is available for totally disabled policyholders. New supplemental

 S-DVI policies (3,087) were issued

 4 Source: Veterans and Reservists Group Insurance System – OSGLI Monthly Report. VGLI data is for the policy

 year ending June 30, 2006

 5 Estimates based upon accessions to Active Duty and Reserve forces in fiscal year06. Data on accessions from Defense

 Manpower Data Center. Effective September 1, 2005, the maximum coverage for VGLI and SGLI increased to $400,000.

6

Source: DEERS and Military Pay Records

Coverage Established During Fiscal Year 2006

The table that follows identifies the number of new policies issued during fiscal year 2006, the total face value of 

the policies, and the average face value of the policies. In the case of SGLI and FSGLI, which is group insurance, 

the military services maintain the records on each insured servicemember. The actual number of servicemembers 

who enrolled in SGLI in fiscal year 2006 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 2006. The 

exact number of children covered by FSGLI is also an estimate.
Insurance

Insurance

53

New Life Insurance Coverage Issued Comparative Information for Five Fiscal Years

2002 2003 2004 2005 2006

Number of 

People Insured 3,484,460 621,225 667,674 648,720 703,815

Total Coverage 

Amounts $206,252,183,507 $103,129,307,866 $92,231,113,570 $129,060,812,226 $146,032,139,398 

Average Face 

Values $59,192 $166,010 $138,138 $198,947 $207,487 

Source: VMLI Database – VMLI Quarterly Report

Source: SDVI-FY 2006 Policy Exhibit

Source: Additional Coverage, up to $20,000, is available for totally disabled policyholders. New supplemental

S-DVI policies (3,087) were issued

Source: Veterans and Reservists Group Insurance System – OSGLI Monthly Report. VGLI data is for the policy

year ending June 30, 2006

Estimates based upon accessions to Active Duty and Reserve forces in fiscal year06. Data on accessions from Defense

Manpower Data Center. Effective September 1, 2005, the maximum coverage for VGLI and SGLI increased to $400,000.

Source: DEERS and Military Pay Records

The table below displays information about new life insurance coverage for the prior four years for purposes of 

comparison. The significant amounts for fiscal year 2002 are due to the beginning of the FSGLI program into which 

3.1 million individuals enrolled in 2002.

Policy Lapses During Fiscal Year 2006

 Policy Lapses Number1 Lapse Rate Face Value1 Average Face Value

 NSLI 6,420 0.5% $38,235,833 $5,956 

 VSLI 423 0.2% $3,261,250 $7,710 

 VRI 240 0.5% $1,258,250 $5,243 

 SDVI 1,158 0.7% $12,085,250 $10,436 

Total 8,241 0.5% $54,840,583 $6,655 

1

 Source: FY-2006 Policy Exhibit

Policy Lapses During Fiscal Year 2006

Policies lapse primarily because the policyholder stops paying the premiums. The following table provides data 

about policies that lapsed during fiscal year 2006.
VBA Annual Benefits Report

Insurance

54

Life Insurance – Payments

Lump-Sum Payments Made During Fiscal Year 2006 – To Policyholders

The tables below provide a distribution of lump-sum payments for matured endowments, cash surrenders, dividends, 

and loans by insurance program. These are payments made from active policies to the veteran policyholder. 

Life Insurance Payments Made During Fiscal Year 2006

 Matured Endowment Number1 Amount2 Average Payment

 USGLI 43 $199,115 $4,631 

 NSLI 1,154 $13,871,087 $12,020 

 VSLI 65 $676,720 $10,411 

 VRI 9 $28,755 $3,195 

 SDVI 208 $1,837,219 $8,833 

 Total 1,479 $16,612,895 $11,233 

 Cash Surrender Number1 Amount2 Average Payment

 USGLI 99 $268,919 $2,716 

 NSLI 7,134 $43,584,329 $6,109 

 VSLI 780 $4,265,209 $5,468 

 VRI 379 $2,029,856 $5,356 

 SDVI 764 $4,473,802 $5,856 

 Total 9,156 $54,622,116 $5,966 

 Dividends Number3 Amount4 Average Payment

 USGLI 7,841 $1,280,173 $163 

 NSLI 1,106,597 $329,420,970 $298 

 VSLI 199,262 $79,274,189 $398 

 VRI 48,206 $11,605,991 $241 

 Total 1,361,906 $421,581,323 $310 
Insurance

Insurance

55

Life Insurance Payments Made During Fiscal Year 2006; Continued

Loans Number5,6 Amount7 Average Payment

USGLI 54 $52,000 $963 

NSLI 12,424 $39,351,000 $3,167 

VSLI 3,401 $9,749,000 $2,867 

VRI 949 $1,917,000 $2,020 

SDVI 8,665 $9,960,000 $1,149 

Total 25,493 $61,029,000 $2,394 

1

 Source: FY-2006 Policy Exhibit

2

 Source: FY-2006 Statement of Operations and Changes in Net Position

3

 Source: FY-2006 Policy Exhibit-Cover Sheet

4

 Source: FY-2006 Statement of Cash Flows

5

 Source: Program numbers from an estimate based on SQC in FY-2006 and Percent of Total

6

 Source: Chief, Planning, Oversight & Actuarial Support Staff 

7

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

Life Insurance Dividends Payments Comparative Information for Five Fiscal Years

2002 2003 2004 2005 2006

Number 1,927,189 1,810,557 1,696,542 1,470,481 1,361,906

Total Amounts $624,446,188 $576,620,666 $525,494,110 $461,928,451 $421,581,323 

Average Payments $324 $318 $310 $314 $310 

Source: (same as above); FY 2002-2005 Annual Benefits Report

The table below displays information about dividend payments for the last fiscal year and provides the data for the 

prior four years for purposes of comparison.
VBA Annual Benefits Report

Insurance

56

Lump-Sum Payments Made During Fiscal Year 2006 – To Beneficiaries

Death claims are paid to the beneficiary upon the death of the insured person. In the case of FSGLI, the death claim is 

paid to the servicemember. All other death claims are paid to the veteran’s or the servicemember’s designated beneficiary. 

The table below provides a distribution of the lump-sum death claim payments by life insurance program.

Life Insurance Payments During Fiscal Year 2006

Death Claims Number1 Amount2 Average Payment

 USGLI 1,053 $3,527,330 $3,350 

 NSLI 82,548 $888,365,365 $10,762 

 VSLI 5,940 $70,186,481 $11,816 

 VRI 4,222 $36,214,350 $8,578 

 SDVI 5,982 $61,480,766 $10,278 

 VMLI 138 $9,310,871 $67,470 

 SGLI3 2,634 $898,334,722 $341,053 

 SGLI3 - Child 1,077 $10,760,000 $9,991 

 FSGLI3 - Spouse 847 $80,263,557 $94,762 

 VGLI3 1,825 $170,816,479 $93,598 

Total 106,266 $2,229,259,919 $20,978 

1

 Source: FY-2006 Policy Exhibit. VMLI Database – VMLI Quarterly Report and Veterans and Reservist Group Insurance System – Prudential Monthly Report

2

 Source: FY 2006 Statement of Financing and Changes in Net Position 

3

Veterans and Reservist Group Insurance System – OSGLI Monthly Report; SGLI, FSGLI, and VGLI data are for the policy year ending June 30, 2006 includes Regular, 

Accelerated & Conversion Pool

The table below displays information about death claims paid last fiscal year and provides the data for the prior four 

years for purposes of comparison.

Number of Death Claims Paid Comparative Information for Five Fiscal Years

2002 2003 2004 2005 2006

Number of Claims 

Paid 110,319 109,880 111,824 109,244 106,266

Total Amounts Paid $1,614,713,636 $1,723,625,327 $1,867,222,516 $1,928,795,079 $2,229,259,919 

Average Amounts 

Paid $14,637 $15,686 $16,698 $17,656 $20,978 

Source: (same as table on previous page)
Insurance

Insurance

57

In our administered programs, death claims have been increasing proportionally with the advancing age of our 

policyholders. There was an increase of face amount from $250,000 to $400,000 in the SGLI and VGLI programs, 

which became effective September 1, 2005. This had an impact on the number of death claims paid in 2006.

 

$0.0

$0.5

$1.0

$1.5

$2.0

$2.5

FY 2002 FY 2003 FY 2004 FY 2005 FY 2006

DOLLAR AMOUNT OF DEATH CLAIMS PAID 

FOR THE LAST FIVE FISCAL YEARS

(in billions)

$1.6

$2.2

$1.9

Source: (same as table above)

$1.8 $1.7
VBA Annual Benefits Report

Insurance

58

Life Insurance Monthly Award Payments at End of Fiscal Year 2006

Payment Type Number Monthly Average

Total Disability Income Provision

 USGLI 31 $19,692 $635 

 NSLI 10,383 $12,251,304 $1,180

 VSLI 2,455 $3,304,530 $1,346 

 VRI 572 $433,644 $758 

Total 13,441 $16,009,170 $1,191 

Matured Endowments Number Monthly Average

USGLI 0 $0 $0 

NSLI 704 $711,330 $1,010 

VSLI 558 $801,630 $1,437 

VRI 37 $28,368 $767 

SDVI 8 $3,408 $426 

Total 1,307 $1,544,736 $1,182 

Monthly Payments to Policyholders at the End of Fiscal Year 2006

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

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

 Permanent Disability Provision and Total Disability Income Provision – no lump-sum option exists; payments are 

made monthly. The table below provides data on monthly payments to veterans.

Payment Type Number Monthly Average

Cash Surrenders

USGLI 0 $0 $0 

NSLI 59 $74,502 $1,263 

VSLI 1 $7,218 $7,218 

VRI 2 $528 $264 

SDVI 0 $0 $0 

Total 62 $82,248 $1,327 

Total and Permanent Disability Number Monthly Average

USGLI 39 $11,064 $284 

Total 39 $11,064 $284 

Source: Insurance Master Record Database– AVS 2012
Insurance

Insurance

59

Monthly Payments to Beneficiaries at the End of Fiscal Year 2007 

Although most beneficiaries receive payment in a single “lump-sum,” a monthly payment option is 

available in some programs for death claim payments. The following table provides data on monthly

payments to beneficiaries.

Life Insurance Monthly Award Payments at End Fiscal Year 2006

Payment Type Number of Awards Monthly Payments Average Payment

Death Awards

 USGLI 1,954 $535,488 $274 

 NSLI 33,552 $20,765,214 $619 

 VSLI 658 $505,771 $769 

 VRI 211 $112,776 $534 

 SDVI 234 $92,472 $395 

Total 36,609 22,011,721 $601 

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

The table below shows the total number of veterans, servicemembers, and servicemembers’ spouses and children 

insured under each program, the total face value of their policies, and the average face value of a policy in each 

program.

Total Life Insurance Policies In Force at End of Fiscal Year 2006

Insurance

Number 

of Policies

Total 

Face Value

Average 

Face Value

Maximum 

Face Value

 USGLI1 7,841 $24,017,772 $3,063 $10,000 

 NSLI1 1,106,597 $12,360,227,609 $11,170 $10,000 

 VSLI1 199,262 $2,453,219,820 $12,312 $10,000 

 VRI1 48,206 $453,398,785 $9,405 $10,000 

 SDVI1,4 181,093 $1,801,667,660 $9,949 $10,000*

 VMLI3 2,438 $166,237,211 $68,186 $90,000 

 SGLI2 2,391,500 $923,076,500,000 $385,982 $400,000 

 SGLI2 - Child 2,058,000 $20,580,000,000 $10,000 $10,000 

 FSGLI2 - Spouse 1,041,000 $102,416,500,000 $98,383 $100,000 

 VGLI2 428,019 $50,676,315,000 $118,397 $400,000 

Total 7,463,956 $1,114,008,083,857 $149,252 

1

Source: Insurance fiscal year 2006 Policy Exhibit Cover Sheet

2

Source: Veterans And Reservists Group Insurance System - OSGLI Monthly Report

3

Source: VMLI Database - VMLI Quarterly Report

4

Note:Additional $20,000 available for totally disabled policyholders
VBA Annual Benefits Report

Insurance

60

The table below displays information about policies in force and provides the data for the prior four years for purposes 

of comparison. Policies in-force increased in 2002 due to the start of the FSGLI program. 

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

2002 2003 2004 2005 2006

Number of Policies 7,872,906 7,755,217 7,696,603 7,612,195 7,463,956

Total Face Value $748,650,733,268 $745,453,203,387 $756,822,320,973 $1,155,492,749,414 $1,114,008,083,857 

Average 

Face Value $95,092 $96,123 $98,332 $151,795 $149,252 

Source: (same as table above)

$0

$200

$400

$600

$800

$1,000

$1,200

$1,400

FY 2002 FY 2003 FY 2004 FY 2005 FY 2006

FIVE YEAR COMPARISON OF LIFE INSURANCE COVERAGE IN FORCE AS OF 

THE END OF THE FISCAL YEAR

(in billions)

 Source: (same as table on previous page)

The large increase in coverage amounts beginning in 2005 is due to the passage of Public Law 109-80, effective 

September 1, 2005. It increased the maximum amount of SGLI and VGLI coverage from $250,000 to $400,000 for 

servicemembers and veterans.

$1,156 $1,114

$749 $746 $757
Insurance

Insurance

61

Demographic Characteristics of Policyholders by Age

The table below shows the age distribution of persons insured in VA Life Insurance programs and the percent of 

total each age group represents for that life insurance plan.

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. This table includes only spouses in the FSGLI 

data.

Age Distribution for Life Insurance Programs % of Total by Policy Type

Policy 

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

Average 

Age

USGLI1 0 0 0 0 0 0 0 6,126 1,715 7,841 88.5

% of Total 0% 0% 0% 0% 0% 0% 0% 78% 22% 100%

NSLI1 0 0 0 0 0 2 400,005 649,181 57,409 1,106,597 81.2

% of Total 0% 0% 0% 0% 0% 0% 36% 59% 5% 100%

VSLI1 0 0 0 0 0 1,665 192,073 5,344 181 199,262 74.5

% of Total 0% 0% 0% 0% 0% 1% 96% 3% 0% 100%

VRI1 0 0 0 0 0 45 10,611 35,275 2,275 48,206 82

% of Total 0% 0% 0% 0% 0% 0% 22% 73% 5% 100%

SDVI1 1 1,275 5,114 17,016 74,043 51,793 28,253 3,467 131 181,093 58.9

% of Total 0% 1% 3% 9% 41% 29% 16% 2% 0% 100%

VMLI2 0 13 134 492 953 743 103 0 0 2,438 54.5

% of Total 0% 1% 5% 20% 39% 30% 4% 0% 0% 100%

SGLI3 157,286 1,173,575 642,423 340,890 75,896 1,399 31 0 0 2,391,500 30.1

% of Total 7% 49% 27% 14% 3% 0% 0% 0% 0% 100%

FSGLI 20,367 384,175 381,330 202,290 48,957 3,880 0 0 0 1,041,000 33.3

% of Total 2% 37% 37% 19% 5% 0% 0% 0% 0% 100%

VGLI4 143 43,693 106,153 120,568 105,906 47,088 4,372 96 0 428,019 45.1

% of Total 0% 10% 25% 28% 25% 11% 1% 0% 0% 100%

TOTALS 2,149,805 1,688,724 1,135,155 681,256 305,755 106,615 635,448 699,489 61,710 7,463,956

% by Age 

Group 29% 23% 15% 9% 4% 1% 9% 9% 1% 100%

1 Source: Insurance TBC VAL-C FY 2006 Attained Age Report

2 Source: VMLI Reserve Valuation Data

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

4

 Source: VGLI Insurance System

 All data as of September 30, 2006 with the exception of SGLI and VGLI which are as of June 30, 2006
VBA Annual Benefits Report

Insurance

62

SGLI & FSGLI Coverage by Branch of Service

The following table shows SGLI policyholders and insured FSGLI spouses, by branch of service.

Note: The data at 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 numbers. The FSGLI data 

reflects spousal coverage only.

SGLI and FSGLI Coverage By Branch of Service

Branch

Total 

Number 

Eligible 

for 

SGLI

Number 

with 

SGLI

Percent 

with 

SGLI

Percent 

of SGLI 

by 

Branch

Total 

Number 

Eligible 

for 

FSGLI

Number 

with 

FSGLI

Percent 

with 

FSGLI

Percent of 

FSGLI by 

Branch

Army Active 530,504 528,978 99.70% 23.40% 304,089 270,756 89.00% 26.00%

Navy Active 379,941 375,890 98.90% 16.60% 208,205 187,877 90.20% 18.00%

Air Force Active 365,667 360,792 98.70% 16.00% 208,637 194,097 93.00% 18.60%

Marine Corps Active 193,028 192,480 99.70% 8.50% 85,757 80,682 94.10% 7.80%

Coast Guard Active 39,246 38,794 98.80% 1.70% 21,000 16,518 78.70% 1.60%

NOAA 282 250 88.60% 0.00% 138 92 66.70% 0.00%

Public Health Service 5,977 5,816 97.30% 0.30% 4,274 3,685 86.20% 0.40%

Total - Active 1,514,645 1,503,000 99.20% 66.60% 832,100 753,707 90.60% 72.40%

Army Reserve and Guard 518,962 493,133 95.00% 21.80% 287,550 169,602 59.00% 16.30%

Navy Reserve 72,628 63,560 87.50% 2.80% 49,920 23,284 46.60% 2.20%

Air Force Reserve and Guard 172,727 163,035 94.40% 7.20% 124,755 84,894 68.00% 8.20%

Marine Corps Reserve 28,745 26,833 93.30% 1.20% 7,197 6,865 95.40% 0.70%

Coast Guard Reserve 9,275 8,439 91.00% 0.40% 3,936 2,648 67.30% 0.30%

Total- Reserve 802,338 755,000 94.10% 33.40% 473,358 287,293 60.70% 27.60%

Total 2,316,983 2,258,000 97.50% 100% 1,305,458 1,041,000 79.70% 100.00%

Source: Data Management Defense Center Reports 

Note: All data are as of September 30, 2006 with the exception of SGLI and FSGLI which are as of June 30, 2006
Insurance

Insurance

63

SGLI and FSGLI Coverage by Amount 

SGLI coverage of up to $400,000 is available in increments of $50,000. Minimum allowable coverage is $50,000. 

For FSGLI, the maximum coverage for spouses is $100,000, or the amount of the service member’s SGLI, whichever 

is less. The table below shows the number of SGLI policyholders and insured FSGLI spouses covered. The total 

percentage by coverage level for both categories of duty status is shown. For ease of presentation, the maximum 

coverage level is shown by itself, while all the lesser coverage levels are shown in a combined number.

SGLI and FSGLI Coverage By Coverage Level Active and Reserve Duty

Coverage Number with Coverage Percent with Coverage

SGLI $50,000-$350,000 $400,000 $50,000-$350,000 $400,000 

SGLI- Active 45,724 1,457,276 3.04% 96.96%

SGLI - Reserve 63,126 691,874 8.36% 91.64%

Total SGLI 108,850 2,149,150 4.82% 95.18%

FSGLI $10,000-$90,000 $100,000 $10,000-$90,000 $100,000 

FSGLI - Active 749,395 1,418 99.81% 0.19%

FSGLI Reserve 283,569 1,617 99.43% 0.57%

Total FSGLI 1,032,964 3,036 99.71% 0.29%

Source: Payroll databases of each branch of service - September 2006

SGLI Monthly Premium Reports; DEERS and Payroll databases
VBA Annual Benefits Report

Insurance

64

Program Enhancements & New Legislation

Public Law 109-13, effective December 1, 2005, established Traumatic Injury Protection Insurance under the SGLI program. TSGLI provides for payment between $25,000 and $100,000 (depending on the type of injury) to any member 

of the uniformed services covered by SGLI who sustains a traumatic injury that results in certain severe losses. This 

law also contains a retroactive provision that provides a servicemember who suffered a qualifying loss on or after October 7, 2001, and through and including November 30, 2005, with a benefit under TSGLI if the loss was a direct result of 

a traumatic injury incurred in Operation Enduring Freedom or Operation Iraqi Freedom.

Public Law 109-233, effective June 15, 2006, extended the free coverage period under the SGLI Disability Extension 

from one year to two years after an eligible member’s date of separation. As a result of this change, servicemembers 

who have a SGLI policy and are totally disabled from the time they separate from service can now keep their SGLI 

coverage for up to two years at no cost to them. Public Law 109-13, effective May 11, 2005, increased basic 

SGLI coverage to $400,000, effective September 1, 2005. 

Summary

VA Life Insurance provides over $1.1 trillion in insurance coverage to 7.5 million veterans, servicemembers and 

their families. In 2006, $2.8 billion was paid to veterans, survivors and their families in the form of dividends, policy 

loans, cash surrenders, matured endowments and death benefits.

The Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) program is an automatic rider 

under SGLI that provides for payment of between $25,000 and $100,000 to any member of the uniformed services 

covered by SGLI who sustains a traumatic injury that results in certain severe losses, such as blindness or the loss 

of limbs. It was designed to provide the member with monetary assistance to help them and their family through an 

often long and arduous treatment and rehabilitation period.

Ninety-nine percent of all active duty servicemembers and ninety-four percent of reservists are insured under SGLI.

Like many government programs, the insurance program was established to meet a need that the private sector 

could not provide. The origins of today’s insurance programs date back to 1914.
Loan Guaranty

Loan Guaranty

65

Loan Guaranty

Through more than 60 years of change, the VA Loan 

Guaranty Program has stayed true to its mission—

helping veterans become homeowners and helping 

them stay in their homes. 

The VA home-loan guaranty program was first created 

for veterans of World War II at a time when loans for 

homes were officially encouraged to help avert a post-war 

economic recession. The program was one of the major 

innovations advanced by the Servicemen’s Readjustment 

Act of 1944 (PL 78-346), known as the GI Bill of Rights. 

By providing loan guaranties to lenders, the government 

could provide a housing benefit to veterans at little cost. 

Since that enactment, the program has expanded to 

include veterans of all succeeding wars, peacetime 

veterans, men and women on active military duty, 

surviving spouses, and reservists. Central to the 

program is the goal of helping those who served the 

nation in uniform, and their families, achieve the 

American dream of home ownership. 

Since World War II, the VA Loan Guaranty Program 

has assisted veterans by guaranteeing slightly over 

18 million home loans totaling over $906 billion. Most 

were made without a downpayment. These loans are 

made on favorable terms; they can be for up to 30 

years, can be pre-paid without penalty, and can be 

assumed by a creditworthy purchaser of the home. 

The primary advantage of the VA loan is that the 

veteran does not have to make a downpayment. 

Additionally, VA assists veteran borrowers who are 

experiencing difficulties making their mortgage 

payments through personal, supplemental loan 

servicing. VA often intercedes with the lender to arrange 

forbearance i.e., to give the veteran more time to catch 

up on past due amounts before deciding whether to 

foreclose on the property. 

VA will also refund loans in appropriate cases, or 

suggest available alternatives to foreclosure such 

as deeds in lieu of foreclosure or compromise sales. 

These alternatives are beneficial to the veteran and the 

Government. The VA home loan program has been 

and remains a major benefit to veterans in acquiring 

their own homes.

Program Objectives

The objective of the VA home loan guaranty program is 

to enable veterans (and other eligible people) to enter 

the home-buying market. The “no downpayment” 

feature is intended to help veterans afford the 

purchase of suitable homes. VA does not require 

a downpayment if the purchase price or cost is not 

more than the reasonable value of the property as 

determined by VA, but the lender may require one. If 

the purchase price or cost is more than the reasonable 

value, the difference must be paid in cash from the 

veteran’s own resources.

Current Benefits

VA home loans may be used to:

Purchase a home;

Purchase a residential unit in certain condominium 

projects;

Build a home;

Refinance an existing home loan; or

Improve a home by installing solar heating or other 

energy conservation measures.

There are three types of loans guaranteed as defined 

by the purpose of the loan. A “Purchase Loan” is one 

used to purchase a home. The other two types of 

loans are “refinancing” loans: interest rate reduction 

and other refinancing, (i.e., cash-out). Interest rate 

reduction is the most common reason for refinancing a 

loan.

There is no maximum loan amount for a VA loan. 

Lenders generally set a maximum based on rules 

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VBA Annual Benefits Report

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66

of the secondary mortgage market. The maximum VA guaranty is 25% of the conforming loan limit as reported by 

Freddie Mac, and lenders are usually willing to loan up to the conforming loan limit without a down payment. (Note: 

Guaranty on cash-out refinances is limited to $36,000).

Veterans pay a funding fee ranging from 1.25 percent to 3.3 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.

Severely disabled veterans, mostly those who are wheelchair bound, may be entitled to obtain grants under the Specially 

Adapted Housing Program. Additionally, Special Housing Adaptation grants are available for disabled veterans who have 

blindness in both eyes, or have anatomical loss or loss of use of both hands. These distinctive programs help eligible 

veterans through grants to buy, build or modify homes specifically adapted for their use. There is no time limitation or 

deadline for applying for either grant benefit. 

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

Wider doorways and hallways to accommodate wheelchairs;

Ramps instead of steps; and

Wheelchair-accessible bathrooms.

Loan Guaranty also administers the Native American Veterans Direct Loan Program. This program helps Native 

American veterans in financing the purchase of homes on Federal trust territory. Loan Guaranty provides program information and materials to all interested parties and to VA personnel. 

VA has entered into memoranda of understanding (MOUs) with 70 participating Native American tribes. During fiscal year 2006, VA closed 30 loans under this program. Since its inception, VA has made nearly 600 loans to Native 

American veterans under this program.

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Loan Guaranty

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Quick Reference Guide

This quick reference guide contains highlights of information most requested about the Loan Guaranty Program. 

Data is from fiscal year 2006 only.

142,708 loans were guaranteed 

Worth over $6.4 billion

$172,629 was the average amount per loan

13,874 of the loans were interest rate reduction loans

The table below shows overall activity for the past five years. The decrease in the last two years is largely due 

to the drop in interest rate reduction refinance loans. Many veterans were able to refinance their loans at a lower 

interest rate during fiscal year 2002, and then again in fiscal year 2003 and 2004. During those years, interest rate 

reduction refinance loans were over 50 percent of the activity.

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VA Home Loans Guaranteed Over the Past Five Years

Fiscal Year 2002 2003 2004 2005 2006

Number of Loans 317,251 489,418 335,788 165,854 142,708

Total Loan Amount ($) 40,129,134,594 63,254,794,007 44,130,601,603 24,901,280,923 24,635,468,167

Average Loan Amount ($) 126,490 129,245 131,424 150,140 172,629

Total Guaranty 

Amount ($) 11,667,454,970 18,245,097,305 12,643,384,380 6,808,452,010 6,486,196,646

 Average Guaranty 

Amount ($) 36,777 37,279 37,653 41,051 45,451
VBA Annual Benefits Report

Loan Guaranty

68

The table below summarizes eligibility criteria for the Loan Guaranty Program. All veterans must have been 

discharged or released from active duty under other than dishonorable conditions. If the veteran served less than the 

minimum required time period, he or she could be eligible if discharged because of a service-connected disability.

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria 

Period Of Service or 

Entitlement Service Dates Length of Service or Other Criteria

World War II 9/16/40 - 7/25/47 90 days 

Post-World War II 7/26/47 - 6/26/50 181 continuous days 

Korean 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* 

Specific Entitlement for PostVietnam 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 - present 2 years or period called to active duty (not less than 90 

days) 

Active Duty Personnel 

 On active duty, after having served continuously for at 

least 181 days (90 days for Gulf War Era duty) unless 

discharged or separated from a previous qualifying period 

of active duty service. 

Reservists 6 years 

Unmarried Surviving Spouse Married to 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) 

Restored Entitlement 

Veterans who previously used the home loan benefit, but 

had entitlement restored because the loan was paid in full 

and property was disposed of.

* For veterans who served within Vietnam, the beginning date is 2/28/1961
Loan Guaranty

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The following table shows the distribution of loans guaranteed in fiscal year 2006, sorted by whether or not the 

borrower made a downpayment as well as by buyer status. The five-year trend by borrower status is shown on the 

last table on this page.

Five-Year Trend of Loans Guaranteed by Status 

Status 2002 2003 2004 2005 2006

First Time Home 

Buyer 89,575 69,154 73,891 60,735 63,836

Previous Home 

Buyer 87,323 79,656 78,504 58,395 58,768

No Downpayment 106,541 135,160 137,773 108,385 110,503

Downpayment 16,357 13,650 14,622 10,745 12,101

Purchase Loans 176,899 148,810 152,395 119,130 122,604

Interest Rate 

Reduction 131,889 330,426 175,147 40,995 13,875

Other Refinancing 8,464 10,182 8,246 5,729 6,229

Types and Characteristics of Loans Guaranteed in Fiscal Year 2006 

Status 

First

 Time Home Buyer Previous Home Buyer No Downpayment

Number of Loans 63,836 58,768 110,503

Total Loan Amount ($) $10,553,754,994 $11,291,960,373 $19,475,179,031

Average Loan Amount ($) 165,327 192,144 176,241

Total Guaranty Amount ($) $2,839,700,741 $2,919,748,888 $5,146,082,572

Average Guaranty Amount ($) 44,485 49,682 46,976

Status Downpayment Purchase Loans

Interest Rate 

Reduction

Cash Out/ 

Other Refinancing

Number of Loans 12,101 122,604 13,875 6,229

Total Loan Amount ($) $2,370,536,336 $21,845,715,367 $1,772,740,625 $1,017,012,175

Average Loan Amount ($) 195,896 178,181 127,765 163,271

Total Guaranty Amount ($) $613,367,057 $5,759,449,629 $518,053,249 $208,657,768

Average Guaranty Amount ($) 50,687 46,976 37,337 33,504
VBA Annual Benefits Report

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70

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2006

Program 

Specially 

Adapted Housing 

Grants*

Special 

Adaptation

Housing Grants

Direct Loans 

to Native 

Americans Total 

Number of Grants / Loans 503 45 30 578

Amount of Grants / Loans ($) 24,176,195 411,590 4,957,000 29,544,785

Average Amount of Grants / Loans ($) 48,064 9,146 165,233 51,116

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

affords the veteran a level of independent living he or she may not normally enjoy.

Loans Guaranteed During Fiscal Year 2006 by Period of Service / Entitlement 

Period of Service 

Entitlement 

Number %

Total Loan 

Amount ($)

Average Loan 

Amount ($)

Total Guaranty 

Amount ($)

Average 

Guaranty 

Amount ($) 

World War II 363 0.254 43,567,070 120,019 12,815,596 35,305

Post-World War II 49 0.034 6,995,593 142,767 1,906,304 38,904

Korean War 361 0.253 42,491,621 117,705 12,789,240 35427

Post-Korean War 972 0.681 117,404,567 120,787 34,737,643 35738

Vietnam Era 6,960 4.877 946,190,334 135,947 267,334,271 38410

Post-Vietnam Era 10,670 7.477 1,639,030,491 153,611 445,077,860 41713

Gulf War Era 36,874 25.839 6,174,806,758 167,457 1,643,508,235 44571

Restored Entitlement 34,081 23.882 6,395,050,091 187,643 1,630,590,662 47845

Service Personnel 49,730 34.847 8,854,528,967 178,052 2,324,565,267 46744

Reservists 2,305 1.615 369,979,870 160,512 99,929,006 43353

Un-Remarried Survivors 339 0.238 44,979,739 132,684 12,811,612 37792

Spouses of POWs 4 0.003 443,066 110,767 139,960 34990

Total 142,708 100.000 24,635,468,167 172,629 6,486,205,656 45,451

Data regarding loans guaranteed during fiscal year 2006 by veterans’ period of service and by other entitlement 

criteria are presented below. 

The following table shows activity of programs designed to provide housing assistance grants to seriously disabled 

veterans as well as direct loans to Native American veterans on trust lands during fiscal year 2006.
Loan Guaranty

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71

Five Year Trend of Loans Guaranteed by Entitlement

Entitlement 2002 2003 2004 2005 2006

World War II 1,136 1,646 1,269 547 363

Post-World War II 166 335 194 62 49

Korean War 1,406 2,025 1,589 496 361

Post-Korean War 3,618 5,339 3,778 1,435 972

Vietnam Era 24,850 34,911 25,428 9,712 6,960

Post-Vietnam Era 39,185 55,308 37,769 14,719 10,670

Gulf War Era 72,077 98,423 75,383 42,373 36,874

Restored Entitlement 115,636 221,730 123,724 44,995 34,081

Service Personnel 49,228 57,129 57,524 47,343 49,730

Reservists 9,179 11,385 8,178 3,708 2,305

Un-Remarried Survivors 760 1,161 931 459 339

Spouses of POWs 10 26 21 5 4

Total 317,251 489,418 335,788 165,854 142,708

Data regarding loans guaranteed during fiscal year 2006 by entitlement criteria are presented below. This table 

also presents the data on a five-year basis. 
VBA Annual Benefits Report

Loan Guaranty

72

The distribution of loans guaranteed during fiscal year 2006 by gender and age is shown below. 

Home Loans Guaranteed During Fiscal Year 2006 Based on Gender and Age 

Gender Number Percentage

Total Loan 

Amount ($) 

Average Loan 

Amount ($) 

Total Guaranty 

Amount ($) 

Average 

Guaranty 

Amount ($) 

Male 125,353 87.8% $21,617,030,118 $172,449 $5,690,104,606 45,393

Female 17,355 12.2% $3,018,438,049 $173,923 $796,092,040 45,871

Age Number Percentage

Total Loan 

Amount ($) 

Average Loan 

Amount ($) 

Total Guaranty 

Amount ($) 

Average 

Guaranty 

Amount ($) 

18 - 25 17,081 12.0% $2,455,786,969 $143,773 $690,231,239 $40,409

26 - 35 50,142 35.1% $8,840,555,815 $176,310 $2,318,364,980 $46,236

36 -45 39,483 27.7% $7,505,470,383 $190,094 $1,928,061,018 $48,833

46 - 55 19,409 13.6% $3,343,672,532 $172,274 $873,780,749 $45,019

56 - 65 12,462 8.7% $1,941,869,837 $155,823 $520,326,916 $41,753

66 - 75 3,194 2.2% $434,300,517 $135,974 $122,131,244 $38,238

76 - 80 597 0.45% $73,719,348 $123,483 $21,448,984 $35,928

Over 80 340 0.2% $40,092,766 $117,920 $11,851,516 $34,857

 Total 142,708 100.0% $24,635,468,167 $172,629 $6,486,196,646 $45,451
Loan Guaranty

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Purchase Loans Guaranteed During Fiscal Year 2006 Based on Annual Income 

Income Number 

Total Loan 

Amount ($)

Average 

Loan ($)

Total Guaranty 

Amount($) 

Average 

Guaranty 

Amount($) 

Less than $25,000 1,863 161,869,101 86,886 57,081,303 30,639

$25,000 to $34,999 9,501 1,025,668,059 107,954 328,957,532 $34,623

$35,000 to $44,999 20,814 2,758,042,435 132,509 788,510,229 $37,884

$45,000 to $54,999 22,629 3,537,615,494 156,331 945,938,356 $41,802

$55,000 to $64,999 19,504 3,473,642,119 178,099 899,582,068 46,123

$65,000 to $74,999 15,264 2,999,357,513 196,499 764,112,650 50,060

$75,000 and over 33,029 7,889,520,646 238,866 1,975,267,491 59,804

Total 122,604 21,845,715,367 178,181 5,759,449,629 46,976

Average Income ($)

Median Income 

($)

Median Loan 

($)

$63,089 $58,068 $165,483

* Data Collection For These Age Groups Began fiscal year 2003. 

The distribution of loans guaranteed during fiscal year 2006 by income level of the eligible borrower is shown 

below. 
VBA Annual Benefits Report

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Percent of Loans Guaranteed by Age Last Five Fiscal Years

Age 2002 2003 2004 2005 2006

18-25 3.5% 2.5% 4.2% 8.0% 12.0%

26-35 32.1% 26.8% 27.6% 33.2% 35.1%

36-45 31.7% 32.5% 31.2% 29.5% 27.7%

46-55 20.1% 21.8% 20.2% 15.7% 13.6%

56-65 8.7% 11.4% 11.9% 9.9% 8.7%

66-75 3.9% 3.8% 3.7% 2.8% 2.2%

76-80 0.0% 0.8% 0.8% 0.6% 0.4%

Over 80 0.0% 0.4% 0.5% 0.4% 0.2%

Number of Loans Guaranteed Last Five Fiscal Years by Age

Age 2002 2003 2004 2005 2006

18-25 10,968 12,361 14,123 13,248 17,081

26-35 101,921 131,320 92,612 55,110 50,142

36-45 100,724 158,892 104,653 48,985 39,483

46-55 63,701 106,893 67,776 26,018 19,409

56-65 27,555 55,759 39,920 16,346 12,462

66-75 12,382 18,416 12,476 4,575 3,194

76-80* 3,818 2,608 941 597

Over 80 1,959 1,620 631 340

Total 317,251 489,418 335,788 165,854 142,708

The two tables below show trend data by age for the last five fiscal years.
Loan Guaranty

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75

Providing race information on the application for a VA guaranteed loan is voluntary. The race demographics and 

distribution of new loan guaranties presented below show the distribution among the 95 percent who provided race 

information for fiscal year 2006. For the previous four fiscal years, the percentages are: 2005 - 95%; 2004 - 89%; 

2003 - 87%; 2002 - 83%. 

Loans Guaranteed During Fiscal Year 2006 by Race 

Race Number %

Total Loan 

Amount Average Loan 

Total Guaranty 

Amount 

Average 

Guaranty

White 100,631 74.1% $17,153,785,089 $170,462 $4,532,000,424 $45,036 

Black/African 

American 21,750 16.0% $3,852,245,531 $177,115 $1,004,615,686 $46,189 

Hispanic 10,007 7.4% $1,705,348,846 $170,416 $450,936,718 $45,062 

Asian/Pacific 

Islander/ Native 

Hawaiian 

2,416 1.8% $491,321,046 $203,361 $125,216,364 $51,828 

American Indian/ 

Alaskan Native 982 0.7% $163,141,837 $166,132 $43,302,561 $44,096 

Five Year Trend of Loans Guaranteed by Race

Race 2002 2003 2004 2005 2006

White 204,316 330,408 221,931 117,515 100,631

Black/African American 37,378 61,357 49,530 25,900 21,750

Hispanic 16,569 26,036 20,708 11,308 10,007

Asian/ Pacific Islander/ Native Hawiian 3,660 5,740 4,541 2,713 2,416

American Indian/ Alaskan Native 1,626 2,428 2,168 1,218 982
VBA Annual Benefits Report

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76

SAH Program Enhancements

The Veterans Housing Opportunity and Benefits Act of 2006 (CPL109-233), enacted on June 15, 2006,

establishes that an eligible veteran or active duty 

servicemember can now use his or her benefit up to three times as long as the aggregate amount of assistance does 

not exceed the maximum amounts allowable for grants authorized under Title 38, United States Code (U.S.C.), section 

2101(a) or section 2101(b). The law also authorizes VA to provide SAH assistance to veterans temporarily residing in a 

home owned by a family member.

Summary

VBA recently guaranteed its 18 millionth home loan since the inception of the Loan Guaranty Program. The flexibility 

of the program ensures its accessibility to the vast majority of the qualifying veteran home buyer population. The number of Specially Adapted Housing and Special Home Adaptation Grants to assist seriously disabled veterans achieve 

maximum independence in their own homes continues to increase each year. 
Vocational Rehabilitation & Employment

Vocational Rehabilitation & 

Employment

77

The mission of the Vocational Rehabilitation and Employment Program (VR&E) is to provide 

comprehensive services and assistance to enable veterans with service-connected disabilities and employment 

handicaps to obtain stable and suitable employment. When the severity of disability prohibits suitable employment, 

VR&E assists veterans to achieve maximum independence in daily living.

Administering an aspect of VA’s educational benefit programs, VR&E provides a wide range of vocational and educational 

counseling services to veterans, active-duty servicemembers and eligible dependents. These services are designed 

to help individuals choose a 

vocational direction and to determine the course needed to achieve vocational goals. Assistance may include 

interest and aptitude testing, occupational exploration, career counseling, vocational goal setting, and exploring 

educational or training facilities which might be utilized to achieve occupational goals.

In the VR&E program, veterans progress through all or part of a series of steps. VR&E provides each veteran with a case 

manager who advises the veteran, and who follows the veteran’s progress through the program and ensures delivery of 

prescribed services. The full range of steps is described below:

Step 1. Application for benefits and assessment of program eligibility.

Step 2. Evaluation to assess needs and to determine services to which a veteran may be entitled, and formulating 

a plan of rehabilitation.

Step 3. Provision of rehabilitation services for either employment (services and assistance that lead to the veteran 

becoming job-ready), or achievement of a measure of increased ability to live more independently in the community.

Step 4. Rehabilitation: Veterans who have obtained and maintained suitable employment or achieved maximum 

independence in daily living.

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Vocational Rehabilitation & Employment

Quick Reference Guide Fiscal Year 2006

Number of participants receiving Vocational Rehabilitation and Employment (VR&E) benefits at the end of fiscal 

year 2006 is 52,982.

12,062 disabled veterans successfully completed a program of rehabilitation

6,552 veterans with serious employment handicaps were rehabilitated 

41 was the average age of male participants

37 was the average age of female participants

98.9% of all VR&E beneficiaries received vocational rehabilitation services in the following categories during fiscal 

year 2006.

Undergraduate School 45,425

Vocational/Technical School 2,816

Graduate School 2,236

College, Non-Degree 1,065

Extended Evaluation/Independent Living 884

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VBA Annual Benefits Report

Vocational Rehabilitation & 

Employment

78

Data

In Fiscal Year 2006, 57,856 veterans applied for Vocational Rehabilitation and Employment services. Of those who 

applied:

63.1% were found to be entitled;

5.9% did not have a qualifying service-connected disability rating and were determined not eligible; and

11.9% were determined not entitled (no qualifying employment handicap or serious employment handicap);

19.1% did not pursue a rehabilitation plan

 Vocational Rehabilitation and Employment-Fiscal Year 2006

VR&E Category Male Female Total

Applicants* 47,961 9,895 57,856

Denied Eligibility* 2,780 635 3,415

Denied Entitlement* 5,732 1,152 6,884

Entitled to Services* 29,670 6,843 36,513

Participants* 40,355 12,627 52,982

Rehabilitated* 9,744 2,318 12,062

Sources: VR&E Program Management Reports

*Definitions for the above VR&E terms are found in the glossary under Appendices

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Vocational Rehabilitation & Employment

Vocational Rehabilitation & 

Employment

79

The following tables show the demographics of veterans in each of the categories outlined on the previous page. 

Both the female and male veteran populations are represented.

Vocational Rehabilitation & Employment by Age-Fiscal Year 2006

Unknown 17- 21 22 - 29 30 - 39 40 - 44 45 - 49 50 -54 55 -59 60 + Total 

Male

Applicants - 532 8,366 10,037 7,751 6,749 4,705 5,914 3,907 47,961

Denied Eligibility - 132 730 626 502 338 215 142 95 2,780

Denied Entitlement - 16 488 1,035 1,063 982 732 884 532 5,732

Entitled to Services - 173 4,524 6,499 4,875 4,587 3,040 3,729 2,243 29,670

Participants - 60 5,769 11,295 7,514 7,586 4,079 2,809 1,243 40,355

Rehabilitated 1 4 636 2,139 1,328 1,668 1,145 1,589 1,234 9,744

 Female

Applicants - 177 2,888 2,998 1,613 1,186 689 267 77 9,895

Denied Eligibility - 33 256 161 105 43 24 7 6 635

Denied Entitlement - 10 206 352 215 198 112 44 15 1,152

Entitled to Services - 69 1,747 2,203 1,097 930 541 204 52 6,843

Participants - 47 2,870 4,591 2,024 1,890 881 266 58 12,627

Rehabilitated - - 292 812 409 465 229 87 24 2,318

Source: VR&E Program Management Reports
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Vocational Rehabilitation & 

Employment

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Vocational Rehabilitation and Employment by Prior Education Level-Fiscal Year 2006

Below High 

School

High 

School

Post High 

School

Four Year 

Degree

Graduate 

Degree 

Training Total

Male

Applicants 1,068 23,197 16,671 5,002 2,023 47,961

Denied Eligibility 41 1,377 820 340 202 2,780

Denied Entitlement 128 2,445 1,941 872 346 5,732

Entitled to Services 575 14,963 10,641 2,425 1,066 29,670

Participants 498 21,010 15,334 2,225 1,288 40,355

Rehabilitated 211 4,786 3,372 903 472 9,744

Female

Applicants 58 3,525 4,380 1,428 504 9,895

Denied Eligibility 6 243 234 100 52 635

Denied Entitlement 6 339 493 220 94 1,152

Entitled to Services 43 2,815 2,948 715 322 6,843

Participants 76 5,729 5,459 824 539 12,627

Source: VR&E Program Management Reports

Vocational Rehabilitation and Employment by Branch of Service-Fiscal Year 2006

Air 

Force Army

Coast 

Guard

Marine 

Corps Navy Unknown Total

Male

Applicants 6,107 23,031 426 6,221 8,458 3,718 47,961

Denied Eligibility 148 299 9 174 417 1,733 2,780

Denied Entitlement 874 2,809 46 707 1,157 139 5,732

Entitled to Services 4,044 14,852 322 4,160 5,669 623 29,670

Participants 6,276 19,759 485 5,320 8,179 327 40,355

Rehabilitated 1,475 4,799 109 1,315 1,959 87 9,744

Female

Applicants 1,818 4,782 67 433 1,963 832 9,895

Denied Eligibility 33 66 - 11 87 438 635

Denied Entitlement 226 572 6 47 270 31 1,152

Entitled to Services 1,360 3,502 50 315 1,485 131 6,843

Participants 2,578 6,474 105 652 2,717 101 12,627

Rehabilitated 485 1,153 21 121 523 15 2,318

Source: VR&E Program Management Reports
Vocational Rehabilitation & Employment

Vocational Rehabilitation & 

Employment

81

Vocational Rehabilitation and Employment by Period of Service-Fiscal Year 2006

World 

War II

Post 

World 

War II 

Era

Korean 

Conflict

PostKorean 

Conflict

Vietnam 

Era

Post -

Vietnam 

Era

Gulf 

War Total

Male

Applicants 238 49 205 413 6,931 8,611 31,514 47,961

Denied Eligibility 9 3 7 16 200 880 1,665 2,780

Denied Entitlement 15 2 25 71 932 1,177 3,510 5,732

Entitled to Services 123 16 98 191 4,216 5,128 19,898 29,670

Participants1 11 2 21 80 2,449 5,675 32,117 40,355

Rehabilitated 93 10 83 98 1,826 1,409 6,225 9,744

Female

Applicants - 2 2 6 80 1,192 8,613 9,895

Denied Eligibility - - 1 1 6 128 499 635

Denied Entitlement - - - - 11 170 971 1,152

Entitled to Services 1 - 1 5 58 790 5,988 6,843

Participants1 - - - 4 55 1,116 11,452 12,627

Rehabilitated - - - 2 29 254 2,033 2,318

Source: VR&E Program Management Reports

1

Does not include veterans who did not pursue a rehabilitation plan.
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Vocational Rehabilitation and Employment by Length of Service-Fiscal Year 2006

3 mo 

or less

3 - 6 

mo

6 mo2 yrs2 - 4 

yrs

4 -10 

yrs

10 -15 

yrs

15 - 20 

yrs

20 - 30 

yrs

Over 

30 yrs 

In 

service1 Total

Male

Applicants 212 514 6,616 13,004 11,382 2,851 1,933 8,244 198 3,007 47,961

Denied 

Eligibility 29 46 292 485 381 80 36 200 5 1,226 2,780

Denied 

Entitlement 24 58 809 1,467 1,275 349 280 1,273 38 159 5,732

Entitled to 

Services 160 331 4,114 8,311 7,320 2,063 1,414 5,174 101 682 29,670

Participants2 200 468 4,477 10,108 10,820 3,231 2,347 8,590 114 - 40,355

Rehabilitated 38 82 1,256 2,552 2,272 758 628 2,080 47 31 9,744

Female

Applicants 86 178 1,257 2,407 2,960 651 359 1,343 7 647 9,895

Denied 

Eligibility 11 13 48 99 117 15 17 34 1 280 635

Denied 

Entitlement 8 18 126 258 354 90 51 203 2 42 1,152

Entitled to 

Services 66 148 990 1,764 2,029 501 292 920 3 130 6,843

Participants2 138 293 1,788 3,262 3,850 950 559 1,782 5 - 12,627

Rehabilitated 26 35 248 556 682 223 142 397 3 6 2,318

Source: VR&E Program Management Reports

1

The VR&E program provides service to active military personnel, such as those on medical hold or those in the pre-discharge phase.

2

Does not include veterans who did not pursue a rehabilitation plan.
Vocational Rehabilitation & Employment

Vocational Rehabilitation & 

Employment

83

Vocational Rehabilitation and Employment by Combined Service Connected Disability 

Rating-Fiscal Year 2006

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

Memo 

Rating

Failed 

to 

persue Total

Male

Applicants 24 5,110 7,359 7,717 6,408 4,354 3,952 2,835 1,759 698 2,621 2,725 2,399 47,961

Denied 

Eligibility 9 222 185 158 148 65 65 41 21 8 18 40 1,800 2,780

Denied 

Entitlement - 918 778 846 745 524 521 442 320 153 413 72 - 5,732

Entitled to 

Services 3 1,268 4,010 4,656 4,702 3,244 3,373 2,739 1,874 945 2,527 329 - 29,670

Participants 4 1,638 6,230 7,455 7,425 4,855 4,943 3,137 2,040 893 1,640 95 - 40,355

Female

Applicants 4 946 1,337 1,677 1,369 975 900 590 390 175 360 637 535 9,895

Denied 

Eligibility 5 56 28 35 15 14 24 11 5 - 2 13 427 635

Denied 

Entitlement - 186 137 187 163 115 96 77 72 38 59 22 - 1,152

Entitled to 

Services - 248 913 1,115 1,067 791 860 615 512 232 404 86 - 6,843

Participants 1 406 1,821 2,222 2,206 1,625 1,652 1,120 789 305 445 35 - 12,627

Source: VR&E Program Management Reports

Veterans with Serious Employment Handicaps

Fiscal Year 2006

Case 

Status

Total 

Veterans

Males 

w/Serious 

Employment 

Handicaps

Females 

w/ Serious 

Employment 

Handicaps

Total 

Veterans 

w/ Serious 

Employment 

Handicaps

Entitled to 

Services 36,513 17,445 3,509 20,954

Participants 52,982 19,962 5,885 25,847

Rehabilitated 12,062 5,481 1,071 6,552

Source: VR&E Program Management Reports

Of those veterans participating in a plan 

of services, most follow the employment 

path and may receive services that 

include career counseling, employment 

planning, training or education, medical or 

dental care and other supportive services. 

Veterans following the independent living 

path strive to achieve maximum 

independence in daily living. 

Some of the veterans participating in 

VR&E have a serious employment 

handicap, which means there is significant 

impairment of a veteran’s ability to prepare 

for, pursue, or retain employment consistent 

with the veteran’s abilities, aptitudes, and 

interests.
VBA Annual Benefits Report

Vocational Rehabilitation & 

Employment

84

The employment assistance needs of each veteran are assessed and a plan of services developed that will lead to 

suitable employment. Services may include job market exploration, job-seeking skills, resume preparation, interview 

skills, and other assistance. The following table reflects those veterans participating in Vocational Rehabilitation and 

Employment by training program during fiscal year 2006.

Veterans Participating in a Vocational Training Program During Fiscal Year 2006

Male Female Total

Undergraduate School 34,272 11,153 45,425

Vocational/Technical 2,388 428 2,816

Graduate School 1,538 698 2,236

College, NonDegree 890 175 1,065

Extended Eval/Independent Living 790 94 884

Paid On-Job Training 161 21 182

Non Pay Work Experience in Government 146 15 161

Non-Pay On-Job Training 64 40 104

Apprenticeship 60 3 63

Improvement of Rehab Potential 28 - 28

High School 10 - 10

Farm Co-op 8 - 8

Total 40,355 12,627 52,982

Source: VR&E Program Management Reports

Upon completion of the individualized evaluation process, the veteran enters a rehabilitation program to become job-ready 

in the selected vocational choice or to achieve the maximum ability to live independently in the community. The length of 

time that a veteran remains in a rehabilitation program varies according to the veteran’s individual circumstances. The 

average time spent in a program is approximately two and one-half years.
Vocational Rehabilitation & Employment

Vocational Rehabilitation & 

Employment

85

The next table shows annual earnings pre- and post- VR&E program participation for those veterans who were 

successfully rehabilitated.

Veterans Successfully Rehabilitated Pre & Post Annual Earnings by Occupational 

Category-Fiscal Year 2006

Male Female

Average Age 47 40

Occupation Total

Average 

Annual 

Wages Prior 

to VR&E 

Program 

Entrance

Average 

Annual 

Wages at 

Rehabilitation

Average 

Annual 

Wages Prior 

to VR&E 

Program 

Entrance

Average 

Annual 

Wages at 

Rehabilitation

Professional, Technical, and 

Managerial 6,732 $7,668 $35,555 $5,019 $30,609

Clerical 660 $6,031 $28,276 $4,698 $24,399

Service 439 $6,570 $27,729 $4,366 $22,693

Miscellaneous 355 $5,698 $30,651 $1,691 $15,850

Machine Trades 349 $6,223 $28,730 $5,848 $26,592

Structural (Building Trades) 226 $6,551 $31,206 $6,400 $23,938

Sales 205 $6,300 $28,956 $4,605 $28,790

Benchwork 82 $4,478 $27,744 $0 $17,742

Processing (Butcher, Meat 

Processor, etc.) 24 $3,782 $27,716 $0 $19,962

Agricultural, Fishery and 

Forestry 43 $3,162 $21,550 $3,800 $19,356

Total/Avg 9,115* $5,549 $30,179 $4,541 $27,677

Source: VR&E Program Management Reports

*Excludes Independent Living Veterans (2,947)
VBA Annual Benefits Report

Vocational Rehabilitation & 

Employment

86

This table displays both participants and rehabilitated veterans by their occupational categories 

during fiscal year 2006. The average 

Veterans Participating & Rehabilitated by Occupational 

Category-Fiscal Year 2006

Male Female

Average Age 41 47 37 40

Occupational Category Participants Rehabilitated Participants Rehabilitated

Agricultural, Fishery and Forestry 98 34 22 9

Benchwork 216 76 11 6

Clerical 1,382 456 672 204

Independent Living 827 2,637 122 310

Machine Trades 1,011 346 26 3

Miscellaneous 674 344 73 11

Processing (Butcher, Meat Processor, etc.) 43 22 12 2

Professional, Technical, and Managerial 34,144 5,053 11,360 1,679

Sales 343 177 64 28

Service 1,000 379 255 60

Structural (Building Trades) 617 220 10 6

Totals 40,355 9,744 12,627 2,318

Source: VR&E Program Management Reports
Vocational Rehabilitation & Employment

Vocational Rehabilitation & 

Employment

87

The two charts below present data on the number of applicants in the VR&E program as well as the number of 

female participants over the past seven fiscal years.

55,974

52,204

61,250 64,522 61,322 61,116 57,856

2000 2001 2002 2003 2004 2005 2006

Vocational Rehabilitation & Employment Applicants 

Fiscal Year 2000-2006

Vocational Rehabilitation & Employment 

Female Participation Fiscal Years

 2000 - 2006

11,126

11,497

11,917

12,522

12,778 12,837 12,627

10,500

11,000

11,500

12,000

12,500

13,000

13,500

2000 2001 2002 2003 2004 2005 2006
VBA Annual Benefits Report

Vocational Rehabilitation & 

Employment

88

VR&E 

Fiscal Year 2006 Program Enhancements

In Fiscal Year 2006, VR&E developed several creative 

and promising methods to assist veterans in returning 

to work and maintaining suitable employment. Several 

outreach methods piloted in the prior year progressed 

into practical programs this year, including the FiveTrack Employment Model, building partnerships, and 

the ‘Coming Home to Work’ initiative. This year also 

saw the inauguration of a very pro-active website 

offering a significant informational resource to VR&E 

participants.

VR&E initially established job resource labs in several 

pilot stations. The labs and training sessions helped 

to standardize the methodology and structure of the 

Five-Track Employment Model. This approach aids 

VR&E staff and veterans in conducting comprehensive 

analyses of local and national job outlooks, developing 

job search plans, preparing for interviews, developing 

resumes, and conducting thorough job searches. In 

fiscal year 2006, VR&E completed implementation of 

the program nationwide. The job resource lab is an 

integral part of the Five-Track Employment Model.

VR&E has improved partnerships through the 

development or updating of memoranda of understanding 

with the Department of Defense, Department of Labor, 

Council of State Administrators of Vocational Rehabilitation 

Programs, service organizations such as Disabled 

American Veterans and Veterans of Foreign Wars, public 

and private employers such as the Army Materiel 

Command and The Home Depot. These partnerships 

foster and expand employment opportunities for veterans 

with disabilities.

The “Coming Home To Work” initiative is a collaborative 

partnership between VR&E and federal agencies to provide 

civilian work experience to interested servicemembers who 

are in a medical-hold status at military treatment facilities 

and who meet VR&E eligibility requirements. The 

“Coming Home to Work” initiative provides all necessary 

rehabilitation and employment services to veterans 

with disabilities so they may access job opportunities 

– especially servicemembers returning from OIF and 

OEF and those who are medically discharged from the 

military.

In support of better access to information and references 

for veterans, VR&E launched a website this year at 

VetSuccess (www.vetsuccess.gov). This website serves 

to explain veteran eligibility and VR&E benefits and 

services, and offers other relevant information and tools to 

as many active military personnel and veterans as

 possible. 

Summary

Fiscal Year 2006 saw a slight decrease in program 

applicants, while the number of successful 

rehabilitations remained about the same. While 

overall participant numbers show little variance, 

progressive qualitative improvements to service 

continue to impact benefits delivery. The rate of 

successful rehabilitation outcomes for program 

participants has risen each year, from 58.9% in fiscal 

year 2003, to 61.9% in fiscal year 2004, 63.3% in fiscal 

year 2005, to the current figure of 73.1%.

Fiscal Year 2006 was a dynamic, productive year, as 

VR&E Service initiated the Five-Track Employment 

Model, expanded the availability of job resource labs, 

made the informative and useful VetSuccess website 

available, and expanded partnerships with other Federal 

agencies, VSOs and private employers to promote, build 

and expand employment opportunities for veterans with 

disabilities.
Appendices

Appendices

89

APPENDICES 

 VBA Regional Office Mailing Addresses 90 

 Contacting VA by Telephone 94 

 Glossary 95 

 Websites 101

 Select Veteran Data for All VBA Programs by State 102
VBA Annual Benefits Report

Appendices

90

ALABAMA

VA Regional Office

345 Perry Hill Road

Montgomery, AL 36109-4541

ALASKA

VA Regional Office

2925 Debarr Road

Anchorage, AK 99508-2989

ARIZONA

VA Regional Office

3333 North Central Avenue

Phoenix, AZ 85012-2458

ARKANSAS

VA Regional Office

2200 FT Roots Drive, Bldg 65

North Little Rock, AR 72114-1756

CALIFORNIA

VA Regional Office

Federal Building

11000 Wilshire Blvd.

Los Angeles, CA 90024-3602

VA Regional Office

Oakland Federal Building

1301 Clay Street - Suite 1300N

Oakland, CA 94612-5209

VA Regional Office

8810 Rio San Diego Drive

San Diego, CA 92108-1508

COLORADO

VA Regional Office

P.O. Box 25126

Denver, CO 80225-0126

CONNECTICUT

VA Regional Office 

555 Willard Avenue, Bldg. 2E 

Room 5137

PO Box 310909

Newington, CT 06103-0909

DELAWARE

VA Regional Office

1601 Kirkwood Highway

Wilmington, DE 19805-4988

DISTRICT OF COLUMBIA

VA Regional Office

1722 Eye St, NW

Washington, D.C. 20421-1111

FLORIDA

VA Regional Office

P.O. Box 1437

St. Petersburg, FL 33731-1437

GEORGIA

VA Regional Office

1700 Clairmont Road

Decatur, GA 30033-4032

HAWAII

VA Regional Office

P.O. Box 29020

459 Patterson Road, E Wing

Honolulu, HI 96820-1420

IDAHO

VA Regional Office

805 W. Franklin Street

Boise, ID 83702-5560

ILLINOIS

VA Regional Office

2122 W. Taylor Street

Chicago, IL 60612-4281
Appendices

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91

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 Regional Office

5500 E. Kellogg

Wichita, KS 67218-1698

KENTUCKY

VA Regional Office

321 West Main Street, Suite 390

Louisville, KY 40202-6200

LOUISIANA*

VA Regional Office

671A Whitney Avenue

Gretna, LA 70056-2692

* This is a temporary address due to effects of 

Hurricane Katrina

MAINE

VA Regional Office

1 VA Center - Bldg. 248, Room 205

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, Fort Snelling

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

Regional Office

3633 Veterans Drive 

PO Box 188 

Fort Harrison, MT 59636

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
VBA Annual Benefits Report

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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

130 S. Elmwood Avenue

Buffalo, NY 14202-2478

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 Regional Office

2101 Elm Street

Fargo, ND 58102-2417

OHIO

VA Regional Office

Anthony J. Celebrezze 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

Edith Green/Wendell Wyatt Federal Building

1220 Southwest 3rd Avenue, Suite 1217

Portland, OR 97204-2825

PENNSYLVANIA

VA Regional Office and Insurance Center

P. O. Box 8079

5000 Wissahickon Ave.

Philadelphia, PA 19101-8079

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

150th Ave, Carlos Chardon

Ste. 232

San Juan, PR 00918-1703

RHODE ISLAND

VA Regional Office

380 Westminster Street

Providence, RI 02903-3246

SOUTH CAROLINA

VA Regional Office

1801 Assembly Street

Columbia, SC 29201-2495

SOUTH DAKOTA

VA Regional Office

2501 W 22nd Street

Sioux Falls, SD 57105-1305
Appendices

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93

TENNESSEE

VA Regional Office

110 Ninth Avenue, South

Nashville, TN 37203-3817

TEXAS

VA Regional Office

6900 Almeda Road

Houston, TX 77030-4200

VA Regional Office

One Veterans Plaza

701 Clay Avenue

Waco, TX 76799-0001

UTAH

VA Regional Office

550 Foothill Drive

Salt Lake City, UT 84113-1106

VERMONT

VA Regional Office

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

5400 W. National Avenue

Milwaukee, WI 53214-3416

WYOMING

2360 E. Pershing Blvd.

Cheyenne, WY 82001

The Denver Regional Office serves the State of Wyoming.

The local address provided is for the benefits office.
VBA Annual Benefits Report

Appendices

94

Contacting VA by Telephone

Compensation and Pension, Loan Guaranty, Vocational 

Rehabilitation and Employment, and General Benefits Information 1-800-827-1000

Education

1-888-GI BILL 1* 

(1-888-442-4551)

Life Insurance 1-800-669-8477*

Burial Headstones and Markers 1-800-697-6947*

Health Care 1-877-222-8387*

CHAMPVA 1-800-733-8387*

Telecommunication Device for the DEAF (TDD) 1-800-829-4833*

Annual Benefits Report (Office of Performance Analysis & Integrity 1-202-461-9040

* Indicates toll-free numbers

A more extensive listing of phone numbers, to include special help lines, may be found in the 2007 edition of the 

handbook “Federal Benefits for Veterans and Dependents.” This may be accessed online at 

http://www1.va.gov/opa/vadocs/fedben.pdf
Appendices

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95

GLOSSARY

AID AND ATTENDANCE – An additional

monetary allowance payable to individuals who 

are:

- In a nursing home or

- In need of daily care to help with feeding, dressing, 

attending to the wants of nature, protecting oneself 

from hazards of the daily environment, or keeping 

clean.

APPLICANTS (VR&E) – Veterans who have

applied for Vocational Rehabilitation and Employment 

services.

BENEFITS DELIVERY AT DISCHARGE (BDD) –

Program to assist active duty personnel in filing

for VA benefits prior to their separation or retirement 

from active duty. VBA provides information about VA 

benefits and assistance in filing benefit claims.

BODY SYSTEMS – Title 38, Code of Federal

Regulations, Part 4, classifies the various areas

of the body into fifteen (15) different systems 

as follows:

Musculoskeletal System

Skin

Auditory

Mental Disorders

Digestive System

Neurological Conditions and Convulsive Disorders

Cardiovascular System

Respiratory System

Endocrine System

Genitourinary System

Eye Infectious Diseases, Immune Disorders,

Nutritional Deficiencies

Gynecological Conditions

Dental and Oral Conditions

Hemic and Lymphatic Systems

BUYER STATUS – A first-time homeowner or

previous homeowner.

CASH SURRENDER – A policyholder, upon request,

receives the cash value that accrued in his/her life 

insurance policy, and in return surrenders all rights, title, 

and interest to his/her basic and/or paid-up additional 

insurance coverage amounts.

CHAPTER 31 BENEFITS – Vocational Rehabilitation

and Employment (VR&E ) program provides benefits and 

services to veterans whose service-connected disabilities 

limit or prohibit employment options.

CODE OF FEDERAL REGULATIONS (CFR) – VA

rules and regulations are contained in Title 38 Code of 

Federal Regulations (38 CFR). The Secretary of 

Veterans Affairs is empowered to prescribe all rules and 

regulations, consistent with existing law, necessary or 

appropriate to carry out the laws administered by the 

Department(Section 501, Title 38 USC).

COMBINED DEGREE – The combined degree of 

disability is expressed as a percentage (from 0 to 100 in 

increments of 10) and represents the overall disabling 

effect of a veteran’s service-connected disabilities.

COMPENSABLE ZEROS – Disabilities that are 

independently evaluated at zero percent disabling but 

produce an employment handicap to warrant a 10 percent 

combined disability evaluation. This evaluation entitles 

the veteran to receive disability compensation payments.

COMPUTER SYSTEMS – VBA derives statistical data 

about veterans from multiple sources and from various 

computer systems: e.g. VBA Data Warehouse, VBA’s 

Benefits Delivery Network (BDN), the Beneficiary 

Identification and Records Locator System (BIRLS); and 

the Board of Veterans’ Appeals Control and Locator 

System (VACOLS).

DENIED ELIGIBILITY (VR&E) – Veterans who

have been determined ineligible for VR&E benefits for 

reasons such as a lack of a qualifying service-connected 

disability rating.
VBA Annual Benefits Report

Appendices

96

DENIED ENTITLEMENT (VR&E) – Veterans who

have been determined not entitled to VR&E services 

due to a lack of an employment handicap or a serious 

employment handicap.

DEPENDENTS’ EDUCATIONAL ASSISTANCE

(DEA) – Refers to Dependents’ Educational 

Assistance Program (Chapter 35 of the Title 38, U.S. 

Code). See Survivors’ and Dependents’ Educational 

Assistance.

DEPENDENCY AND INDEMNITY COMPENSATION

(DIC) – A monetary death benefit payable to eligible 

surviving spouses, children, and/or dependent 

parents.

DEPENDENTS – Qualifying dependents for VA

benefit purposes are a veteran’s spouse and child 

(natural child, adopted child, or stepchild). A 

veteran’s mother or father may also be considered a 

dependent generally if there is financial need.

DIAGNOSTIC CODES – VBA uses codes of four digit 

numeric characters to signify specific medical conditions. 

These numeric codes are in 38 CFR, Part 4.

DIRECT LOAN - A home loan made by the 

Department of Veterans Affairs directly to veterans. 

This is distinct from guaranteed loans, which are 

made by private lenders and guaranteed by VA.

DISABILITY COMPENSATION – A monetary benefit paid 

to veterans for service connected disability.

DISABILITY PENSION – A monetary benefit paid to 

wartime veterans who are age 65 or older, 

orpermanently and totally disabled as the result of a nonservice connected disability. In either case, the veteran’s 

annual income must not exceed the limit set by statute in 

order to qualify for this benefit.

DIVIDEND - A payment to policyholders in participating 

life insurance programs. It is an allocation of program 

surplus funds representing the return of premiums not 

needed to pay claims and expenses, and a distribution 

of earnings from investment. Dividends are issued 

annually on the policy anniversary date.

DMDC – The Defense Manpower Data Center maintains 

the largest archive of personnel, manpower, training and 

financial data in the Department of Defense (DoD).

NO DOWNPAYMENT OPTION – The VA home loan 

guaranty program allows the veteran to enter the home 

buying market with the option of providing no down 

payment. This option is intended to help the veteran 

afford

the purchase of a suitable home.

EDUCATIONAL ASSISTANCE - A monetary benefit to 

eligible veterans, dependents, reservists, and service 

members while they are in an approved training program.

ELIGIBILITY - VA benefits require that the veteran

be discharged from active military service under “other 

than dishonorable” conditions. In addition to this general 

requirement, there are specific statutory and regulatory

requirements for each of the five benefit programs; some 

of these requirements are described in the sections of this 

report dealing with the respective benefit programs.

ENTITLED TO SERVICES (VR&E) – Veterans 

determined to have a disability that presents an 

employment or serious employment handicap, and for 

whom it has been determined that vocational 

rehabilitation should be successful.

ENTITLEMENT (EDU) – The number of months

the student is eligible for VA education benefits. This 

number is usually expressed in months and days the 

student will be eligible for full-time benefits. Entitlement 

may vary depending on the education program the 

individual qualifies under. In no event will entitlement 

exceed 48 months under any combination of education 

programs.

ENTITLEMENT (C&P) - Once basic eligibility requirements have been met, decisions on entitlement for C&P 

benefits are based on statutory and regulatory 

requirements and the evidence of record that documents

these requirements have been met.
Appendices

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97

EVALUATION FOR ENTITLEMENT TO A PROGRAM

OF REHABILITATION SERVICES – The process used 

to determine whether the veteran’s disabilities cause an 

employment handicap.

FACE VALUE - That dollar amount of life insurance

money that would be paid upon the death of the veteran 

or at the maturity of the policy, subject to adjustments 

for indebtedness, dividends, premium overpayments, or 

“paid-up additions.”

FIRST-TIME HOMEOWNER – A veteran using his

home loan entitlement to purchase a home for the first 

time.

FISCAL YEAR – Any yearly accounting or budgetary 

period without regard to its relationship to the calendar 

year.

FISCAL YEAR 2006 – Began October 1, 2005,

and ended September 30, 2006. The Department

of Veterans Affairs operates under this schedule for 

accounting and budgetary purposes.

FORECAST OF PROGRAM LIABILITIES –

Future liabilities represent payments that the government 

is obligated to deliver in future years. This is much like 

the obligation of a life insurance company to pay the face 

amount of a standard policy to beneficiaries at the time of 

the insured person’s death.

FUNDING FEE – A fee, required by law, charged to 

veterans who obtain a VA guaranteed home loan.

FSGLI – Family Servicemembers’ Group Life Insurance 

was established in 2001 to provide service members, 

who have Servicemembers’ Group Life Insurance 

(SGLI) coverage, the opportunity to have life insurance 

coverage on their spouses and dependent children.

GUARANTEED LOAN – A loan that is federally 

backed by the VA home loan provision.

HOUSEBOUND – An additional monetary allowance

payable to those individuals who are substantially 

confined to their home or immediate premises as a 

result of a permanent disability.

INDIVIDUAL UNEMPLOYABILITY – Veterans unable

to secure and follow a substantially gainful occupation by 

reason of service-connected disability will be rated totally 

disabled, provided that the veteran has a single disability 

rated 60 percent or more or a combined evaluation of at 

least 70 percent, with one disability ratable at 40 percent 

or higher.

KICKERS (EDU) – Amounts contributed by DoD to an 

education fund on behalf of participants to encourage 

enlistment or retention in the Armed Forces. (The 

military services may use different terms such as “Army 

College Fund” or “Navy College Fund”, etc.) These 

amounts are added to any other education benefits to 

which the person may be entitled. Kickers are applicable 

only to MGIB-AD, MGIB-SR, VEAP and REAP.

LOAN (INS)- An amount borrowed against the cash 

value of a permanent plan life insurance policy.

LOAN DEFAULTED-GUARANTY CLAIM PAID – Loan 

Guaranty term used when the borrower defaults on the 

loan and VA pays the loan guaranty claim.

LOAN GUARANTY PROGRAM – The benefit program 

whereby VA guarantees a portion of a loan to lenders to 

facilitate veterans obtaining a home.

MATURED ENDOWMENT – The face amount of life 

insurance less any indebtedness that is paid to the

 insured at maturity of the policy, based on the plan

 of life insurance. The proceeds may be paid as a

lump sum or the insured may request installment

payments.

MGIB-AD – The Montgomery GI Bill-Active Duty 

Educational Assistance Program (Chapter 30 of Title 38, 

U.S. Code) which provides educational assistance to 

persons who served on active duty in the Armed Forces.

MGIB-SR – The Montgomery GI Bill-Selected Reserve 

Educational Assistance Program (Chapter 1606 of Title 

10, U.S. Code) which provides educational assistance to 

members of the Selected Reserve or the Ready Reserve 

of any of the reserve components of the Armed Forces.
VBA Annual Benefits Report

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98

NSLI - National Service Life Insurance was established 

in 1940 to meet the insurance needs of World War II 

veterans. The program closed in 1951.

ORIGINAL DISABILITY CLAIM – A veteran’s first claim 

for disability benefits, either compensation or pension or 

both. Any subsequent claim is categorized as a 

reopened or supplemental claim.

OUTREACH (VR&E) – Various initiatives within the 

Program to improve communication and to coordinate 

and maximize employment opportunities with other 

government agencies, local businesses and VSOs on 

behalf of service-connected disabled veterans.

PAID-UP ADDITIONS – Policyholders with participating 

policies can use their annual dividends to purchase 

additional life insurance. Established in 1972, this is the 

only way most policyholders may increase their life 

insurance coverage amount.

PARTICIPANTS (VR&E) – Veterans who are currently 

receiving subsistence allowance in one of the following 

VR&E case statuses: extended evaluation, independent 

living, job ready or rehabilitation to employment.

PEACETIME VETERANS – Veterans who served during 

a period of time not statutorily defined as a period of war.

PRISONERS OF WAR (POWs) – Veterans who were 

forcibly detained (confined) by an enemy, foreign 

government, or hostile force while serving in the active 

military, naval or air service.

PREVIOUS HOMEOWNER – A person who has

had a previous ownership interest in a home.

PROTECTED PENSION – The pension program,

both disability and death, replaced by Section 306 

Pension, which in turn was replaced by the current 

pension program under the provisions of PL 95-588. 

Veterans and survivors receiving either Protected 

Pension or Section 306 Pension may continue to receive 

the benefits as long as they continue to meet the basic 

entitlement requirements of the respective programs.

PURCHASE LOAN – A loan made solely for the 

purpose for purchasing a home.

RANGE OF DISABILITIES – A disability is evaluated 

according to the VA Schedule for Rating Disabilities in 

Title 38, CFR, and Part 4. Extent of disability is 

expressed as a percentage from 0 percent (for 

conditions that exist but are not disabling to a 

compensable degree) to 100 percent, in increments 

of 10 percent. Most disabilities, however, do not have 

every 10 percent increment from 0 to 100.

RATING SCHEDULE – 38 CFR, Part 4.

REAP – The Reserve Educational Assistance Program 

(Chapter 1607 of Title 10, U.S. Code) which provides 

educational assistance to members of the Guard and 

Reserves who serve on active duty in support of a

contingency operation under federal authority on or 

after September 11, 2001.

REGIONAL OFFICE (RO) – A VA field office 

composed of divisions which carry out the functions 

of VBA. Fifty-seven such offices exist throughout the 

United States, the District of Columbia, Puerto Rico, 

and the Philippines.

REHABILITATED (VR&E) – Veterans who have 

successfully found and maintained suitable 

employment or have successfully completed the 

independent living program.

RESERVIST – A member of a reserve component of 

one of the armed forces who has potential entitlement 

to certain VA benefits by reason of his or her reserve 

status, including educational assistance under Title 10 

of the United States Code, Chapter 1606.

RESTORED ENTITLEMENT (LGY) – Previously used 

entitlement may be restored when a property secured 

by a VA loan is sold and the loan is paid in full or 

when an eligible veteran transferee agrees to assume 

the outstanding balance on a VA loan and substitute 

his/her entitlement for the same amount originally used 

on the loan.
Appendices

Appendices

99

SDVI – Service-Disabled Veterans Insurance

was established in 1951 to meet the insurance needs 

of veterans with service-connected disabilities. SDVI 

is open to veterans who received other than 

dishonorable discharge separated from the service on 

or after April 25, 1951, and who received a 

service-connected disability rating of 0 percent or 

greater within the last two years.

SECONDARY MARKET – The financial market

where mortgages are bought and sold.

SERVICE-CONNECTED – A disease or injury

determined to have occurred in or was aggravated

by military service.

SERIOUS EMPLOYMENT HANDICAP – A

significant impairment, caused in whole or in part by a

service-connected disability, in the veteran’s ability to 

prepare for, obtains, or retain employment consistent 

with his or her abilities, aptitudes, and interests.

SERVICE MEMBER – An individual who is currently

serving on active duty. This individual is also referred 

to as a “service person.”

SGLI – Servicemembers Group Life Insurance was 

established in 1965 to meet the insurance needs of 

service members.

SPECIALLY ADAPTED HOUSING GRANTS – A 

one-time grant to a seriously disabled veteran to assist 

in adapting his or her home to accommodate 

limitations caused by the disability.

SUBSISTENCE ALLOWANCE (VR&E) – A monthly 

living allowance paid to a qualified veteran in a 

program of vocational rehabilitation. The allowance is 

generally paid to those veterans who are enrolled in 

education or training programs. The amount is based 

on training time and number of dependents.

SURVIVORS’ AND DEPENDENTS’ EDUCATIONAL 

ASSISTANCE (DEA) – Under Chapter 35 of Title 38, 

U.S. Code, a monetary educational benefit payable to 

eligible dependents and survivors of veterans.

TITLE 38 CODE OF FEDERAL REGULATIONS –

Regulations that pertain to veterans’ benefits.

TOTAL DISABILITY INCOME (INS) - An option available 

with some insurance policies that provides for monthly 

payments to policyholders who, prior to their 65th birthday, 

have incurred a mental or physical disability which 

prevents them from performing substantially gainful 

employment.

TOTAL AND PERMANENT DISABILITY –

Total ratings are authorized for any disability or 

combination of disabilities for which the Schedule of 

Rating Disabilities prescribes a 100 percent evaluation or, 

where less than 100 percent, the requirements for 

Individual Unemployables are met. Permanence of total 

disability is considered to exist when the impairment is 

reasonably certain to continue throughout the life of the 

disabled veteran and generally requires no future medical 

exams.

TSGLI – The Traumatic Injury Protection Program 

provides automatic traumatic injury coverage to all service 

members covered under the Servicemembers’ Group Life 

Insurance (SGLI) program. Every member who has SGLI 

also has TSGLI effective December 1, 2005. This 

coverage applie to active duty members, reservists, 

funeral honors duty and one-day muster duty. This benefit 

is also provided retroactively for members who incur 

certain severe losses as a result of a traumatic injury 

between October 7, 2001, and December 1, 2005, if the 

loss was the direct result of injuries incurred in Operations 

Enduring Freedom or Iraqi Freedom.

USGLI – United States Government Life Insurance was 

established in 1919 to meet the insurance needs of World 

War I veterans. This program closed in 1951.

VEAP – The Veterans Educational Assistance

Program (Chapter 32 of Title 38, U.S. Code) is a 

contributory educational assistance program for PostVietnam Era veterans.

VETERAN - A person who served in the active military, 

naval, or air service, and who was discharged or released 

under conditions other than dishonorable.
VBA Annual Benefits Report

Appendices

100

VGLI – Veterans Group Life Insurance was 

established in 1974 to meet the insurance needs of 

veterans after separation from service.

VMLI – Veterans Mortgage Life Insurance was 

established in 1971 to provide mortgage protection 

life insurance to severely disabled veterans who 

have received grants for the purchase of specially 

adapted housing.

VR&E – The Vocational Rehabilitation and 

Employment (VR&E) Program is available to help 

service-disabled veterans become employable and 

live independently.

VRI – Veterans’ Reopened Insurance was 

estabished in 1965 to provide insurance protection 

for certain classes of disabled veterans from World 

War II and the Korean Conflict. The program closed 

in 1966.

VSLI – Veterans Special Life Insurance was 

established in 1951 to meet the insurance needs of 

veterans who served during the Korean Conflict and 

post-Korean era. The program closed in 1956.

ZERO (0) PERCENT DISABILITY – A zero percent 

disability rating means that a disability exists and is 

related to the veteran’s service but is not so 

disabling that it entitles the veteran to compensation 

payments. Also called a non-compensable disability.
Appendices

Appendices

101

INTERNET REFERENCES

VA WEBSITES

Department of Veterans Affairs Home page http://www.va.gov 

Health Care http://www.va.gov/vbs/health/index.htm 

National Cemetery Administration http://www.cem.va.gov 

Office of Congressional Affairs http://www.va.gov/oca/index.htm 

Public Affairs & Special Events http://www.va.gov/opa/index.htm 

About VA http://www.va.gov/about_va/ 

Links to VA organizaitons http://www.va.gov/ 

Online Applications http://www.va.gov/onlineapps.htm 

Online Forms http://www.va.gov/vaforms/ 

Facility Locator http://www.va.gov 

Contact Information https://iris.va.gov/ 

Veteran Data & Information http://www.va.gov/vetdata/ 

VBA WEBSITES

Veterans Benefits Administration Home Page http://www.vba.va.gov 

Compensation & Pension http://www.vba.va.gov/bln/21/index.htm 

Education http://www.gibill.va.gov/ 

Life Insurance http://www.insurance.va.gov/ 

Loan Guaranty http://www.homeloans.va.gov 

Vocational Rehabilitation & Employment http://www.vba.va.gov/bln/vre/index.htm 
Benefits by State

VBA Annual Benefits Report

102

Summary of Fiscal Year 2006 Benefits 

Compensation and Pension 

Estimated Veteran Population 23,976,992 

Disability Compensation Recipients 2,725,824 

Estimated Monthly Disability Compensation Costs $2,135,224,396 

Estimated Annual Disability Compensation Costs $25,622,692,752

Disability Compensation by Age under 35 213,566 

Disability Compensation by Age 35-54 833,346 

Disability Compensation by Age 55-74 1,156,703 

Disability Compensation by Age 75-84 374,950 

Disability Compensation by Age 85 and over 147,259 

Disability Pension Recipients 329,856 

Estimated Monthly Disability Pension Costs $224,659,163 

Estimated Annual Disability Pension Costs $2,695,909,956 

Disability Pension by Age under 45 4,494 

Disability Pension by Age 45-54 44,376 

Disability Pension by Age 55-69 113,951 

Disability Pension by Age 70-84 124,866 

Disability Pension by Age 85 and over 42,169 

Education 

MGIB-AD Trainees 332,872 

MGIB-SR Trainees 65,511 

DEA Trainees 75,361 

VEAP Trainees 739 

REAP Trainees 23,746

Insurance 

Life Insurance Payments $1,780,812,498 

Total Face Value of Insurance $17,258,768,857 

Total Number of Policies 1,545,436 

Loan Guaranty

Number of Loans 142,708 

Total Loan Amount $24,635,468,167

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 9,225 
Benefits by State

Benefits by State

103

Alabama

Compensation and Pension

Estimated Veteran Population 417,497 

Disability Compensation Recipients 60,561 

Estimated Monthly Disability Compensation Costs $47,231,257

Estimated Annual Disability Compensation Costs $566,775,084

Disability Compensation by Age under 35 3,943 

Disability Compensation by Age 35-54 19,950 

Disability Compensation by Age 55-74 27,788 

Disability Compensation by Age 75-84 6,732 

Disability Compensation by Age 85 and over 2,148 

Disability Pension Recipients 9,705 

Estimated Monthly Disability Pension Costs $7,667,144 

Estimated Annual Disability Pension Costs $92,005,728 

Disability Pension by Age under 45 97 

Disability Pension by Age 45-54 943

Disability Pension by Age 55-69 2,276 

Disability Pension by Age 70-84 4,611 

Disability Pension by Age 85 and over 1,778 

Education

MGIB-AD Trainees 4,799 

MGIB-SR Trainees 1,472

DEA Trainees 2,342 

VEAP Trainees 10 

Insurance 

Life Insurance Payments $24,473,259 

Total Face Value of Insurance $237,182,926 

Total Number of Policies 20,841

Loan Guaranty 

Number of Loans 3,856 

Total Loan Amount $616,516,496

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 407 
Benefits by State

VBA Annual Benefits Report

104

Alaska

Compensation and Pension

Estimated Veteran Population 65,767 

Disability Compensation Recipients 12,095

Estimated Monthly Disability Compensation Costs $8,648,959

Estimated Annual Disability Compensation Costs $103,787,508

Disability Compensation by Age under 35 1,012

Disability Compensation by Age 35-54 5,788 

Disability Compensation by Age 55-74 4,592 

Disability Compensation by Age 75-84 558 

Disability Compensation by Age 85 and over 145

Disability Pension Recipients 306

Estimated Monthly Disability Pension Costs $226,305 

Estimated Annual Disability Pension Costs $2,715,660

Disability Pension by Age under 45 4 

Disability Pension by Age 45-54 57

Disability Pension by Age 55-69 184 

Disability Pension by Age 70-84 48 

Disability Pension by Age 85 and over 13

Education 

MGIB-AD Trainees 1,036 

MGIB-SR Trainees 159 

DEA Trainees 163 

VEAP Trainees 2 

Insurance 

Life Insurance Payments $2,497,361 

Total Face Value of Insurance $24,203,205 

Total Number of Policies 1,870 

Loan Guaranty

Number of Loans 2,127

Total Loan Amount $511,107,669

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 89
Benefits by State

Benefits by State

105

Arizona 

Compensation and Pension 

Estimated Veteran Population 550,095 

Disability Compensation Recipients 62,980

Estimated Monthly Disability Compensation Costs $52,140,559 

Estimated Annual Disability Compensation Costs $625,686,708

Disability Compensation by Age under 35 5,410

Disability Compensation by Age 35-54 18,701 

Disability Compensation by Age 55-74 27,001 

Disability Compensation by Age 75-84 8,814 

Disability Compensation by Age 85 and over 3,054 

Disability Pension Recipients 5,203 

Estimated Monthly Disability Pension Costs $3,238,374 

Estimated Annual Disability Pension Costs $38,860,488 

Disability Pension by Age under 45 76 

Disability Pension by Age 45-54 782 

Disability Pension by Age 55-69 1,906 

Disability Pension by Age 70-84 1,921 

Disability Pension by Age 85 and over 518 

Education

MGIB-AD Trainees 20,676 

MGIB-SR Trainees 1,416 

DEA Trainees 2,426 

VEAP Trainees 14 

Insurance 

Life Insurance Payments $40,203,542 

Total Face Value of Insurance $389,633,178

Total Number of Policies 35,161 

Loan Guaranty

Number of Loans 3,524 

Total Loan Amount $735,443,303

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 318
Benefits by State

VBA Annual Benefits Report

106

Arkansas 

Compensation and Pension 

Estimated Veteran Population 262,613

Disability Compensation Recipients 34,200

Estimated Monthly Disability Compensation Costs $34,580,461

Estimated Annual Disability Compensation Costs $414,965,532

Disability Compensation by Age under 35 2,405 

Disability Compensation by Age 35-54 10,447 

Disability Compensation by Age 55-74 15,392 

Disability Compensation by Age 75-84 4,250 

Disability Compensation by Age 85 and over 1,706 

Disability Pension Recipients 5,806 

Estimated Monthly Disability Pension Costs $3,638,714

Estimated Annual Disability Pension Costs $43,664,568

Disability Pension by Age under 45 107 

Disability Pension by Age 45-54 746 

Disability Pension by Age 55-69 1,882 

Disability Pension by Age 70-84 2,193 

Disability Pension by Age 85 and over 878

Education 

MGIB-AD Trainees 2,247 

MGIB-SR Trainees 1,070 

DEA Trainees 1,539 

VEAP Trainees 4 

Insurance 

Life Insurance Payments $15,249,592

Total Face Value of Insurance $147,791,633 

Total Number of Policies 13,583 

Loan Guaranty 

Number of Loans 2,138

Total Loan Amount $286,547,788

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 153
Benefits by State

Benefits by State

107

California 

Compensation and Pension 

Estimated Veteran Population 2,203,727

Disability Compensation Recipients 228,355 

Estimated Monthly Disability Compensation Costs $174,642,122 

Estimated Annual Disability Compensation Costs $2,095,705,464 

Disability Compensation by Age under 35 22,207 

Disability Compensation by Age 35-54 64,026 

Disability Compensation by Age 55-74 94,384

Disability Compensation by Age 75-84 33,623 

Disability Compensation by Age 85 and over 14,115 

Disability Pension Recipients 23,192 

Estimated Monthly Disability Pension Costs $15,542,522

Estimated Annual Disability Pension Costs $186,510,264 

Disability Pension by Age under 45 389 

Disability Pension by Age 45-54 3,917 

Disability Pension by Age 55-69 9,186

Disability Pension by Age 70-84 7,385 

Disability Pension by Age 85 and over 2,315 

Education 

MGIB-AD Trainees 35,094 

MGIB-SR Trainees 3,568

DEA Trainees 6,653 

VEAP Trainees 63 

Insurance 

Life Insurance Payments $180,656,504 

Total Face Value of Insurance $1,750,834,997 

Total Number of Policies 153,235 

Loan Guaranty 

Number of Loans 1,543

Total Loan Amount $408,455,307

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 532
Benefits by State

VBA Annual Benefits Report

108

Colorado 

Compensation and Pension 

Estimated Veteran Population 419,938

Disability Compensation Recipients 53,045

Estimated Monthly Disability Compensation Costs $39,725,967

Estimated Annual Disability Compensation Costs $476,711,604

Disability Compensation by Age under 35 4,752 

Disability Compensation by Age 35-54 19,454 

Disability Compensation by Age 55-74 21,323 

Disability Compensation by Age 75-84 5,452 

Disability Compensation by Age 85 and over 2,064 

Disability Pension Recipients 3,637 

Estimated Monthly Disability Pension Costs $2,586,041 

Estimated Annual Disability Pension Costs $31,032,492

Disability Pension by Age under 45 58

Disability Pension by Age 45-54 584

Disability Pension by Age 55-69 1,307

Disability Pension by Age 70-84 1,220 

Disability Pension by Age 85 and over 468

Education 

MGIB-AD Trainees 9,645 

MGIB-SR Trainees 840 

DEA Trainees 1,415 

VEAP Trainees 13 

Insurance 

Life Insurance Payments $28,806,784 

Total Face Value of Insurance $279,181,346

Total Number of Policies 24,386 

Loan Guaranty 

Number of Loans 5,583

Total Loan Amount $1,165,945,506 

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 276 
Benefits by State

Benefits by State

109

Connecticut 

Compensation and Pension 

Estimated Veteran Population 251,957

Disability Compensation Recipients 19,930

Estimated Monthly Disability Compensation Costs $13,631,142 

Estimated Annual Disability Compensation Costs $163,573,704

Disability Compensation by Age under 35 1,444

Disability Compensation by Age 35-54 4,633 

Disability Compensation by Age 55-74 7,923

Disability Compensation by Age 75-84 3,922

Disability Compensation by Age 85 and over 2,008 

Disability Pension Recipients 1,893 

Estimated Monthly Disability Pension Costs $920,201 

Estimated Annual Disability Pension Costs $11,042,412

Disability Pension by Age under 45 16

Disability Pension by Age 45-54 202

Disability Pension by Age 55-69 583

Disability Pension by Age 70-84 703

Disability Pension by Age 85 and over 389 

Education 

MGIB-AD Trainees 1,656 

MGIB-SR Trainees 746 

DEA Trainees 318 

VEAP Trainees 5

Insurance 

Life Insurance Payments $28,009,488 

Total Face Value of Insurance $271,454,337 

Total Number of Policies 25,001 

Loan Guaranty 

Number of Loans 425 

Total Loan Amount $95,622,206

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 44
Benefits by State

VBA Annual Benefits Report

110

Delaware 

Compensation and Pension 

Estimated Veteran Population 79,029 

Disability Compensation Recipients 8,256

Estimated Monthly Disability Compensation Costs $5,599,515

Estimated Annual Disability Compensation Costs $67,194,180

Disability Compensation by Age under 35 567 

Disability Compensation by Age 35-54 2,853

Disability Compensation by Age 55-74 3,410 

Disability Compensation by Age 75-84 1,072

Disability Compensation by Age 85 and over 354 

Disability Pension Recipients 561

Estimated Monthly Disability Pension Costs $330,697

Estimated Annual Disability Pension Costs $3,968,364 

Disability Pension by Age under 45 7 

Disability Pension by Age 45-54 77 

Disability Pension by Age 55-69 191

Disability Pension by Age 70-84 217

Disability Pension by Age 85 and over 69

Education 

MGIB-AD Trainees 624 

MGIB-SR Trainees 261 

DEA Trainees 212 

VEAP Trainees 2 

Insurance 

Life Insurance Payments $5,542,297 

Total Face Value of Insurance $53,713,244 

Total Number of Policies 5,196 

Loan Guaranty 

Number of Loans 631

Total Loan Amount $139,324,603

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 13
Benefits by State

Benefits by State

111

District of Columbia 

Compensation and Pension 

Estimated Veteran Population 34,804

Disability Compensation Recipients 4,219

Estimated Monthly Disability Compensation Costs $2,996,119

Estimated Annual Disability Compensation Costs $35,953,428

Disability Compensation by Age under 35 244

Disability Compensation by Age 35-54 1,284

Disability Compensation by Age 55-74 1,743

Disability Compensation by Age 75-84 643

Disability Compensation by Age 85 and over 305

Disability Pension Recipients 879 

Estimated Monthly Disability Pension Costs $539,366

Estimated Annual Disability Pension Costs $6,472,392

Disability Pension by Age under 45 8 

Disability Pension by Age 45-54 122

Disability Pension by Age 55-69 297

Disability Pension by Age 70-84 370

Disability Pension by Age 85 and over 82

Education 

MGIB-AD Trainees 776 

MGIB-SR Trainees 76 

DEA Trainees 176 

VEAP Trainees 3 

Insurance 

Life Insurance Payments $3,241,737 

Total Face Value of Insurance $31,417,339 

Total Number of Policies 2,655 

Loan Guaranty 

Number of Loans 28

Total Loan Amount $5,382,339

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 137
Benefits by State

VBA Annual Benefits Report

112

Florida 

Compensation and Pension 

Estimated Veteran Population 1,747,076

Disability Compensation Recipients 219,520

Estimated Monthly Disability Compensation Costs $167,351,841

Estimated Annual Disability Compensation Costs $2,008,222,092

Disability Compensation by Age under 35 14,129 

Disability Compensation by Age 35-54 65,721 

Disability Compensation by Age 55-74 90,160 

Disability Compensation by Age 75-84 35,192 

Disability Compensation by Age 85 and over 14,318 

Disability Pension Recipients 22,137 

Estimated Monthly Disability Pension Costs $15,739,845

Estimated Annual Disability Pension Costs $188,878,140

Disability Pension by Age under 45 286

Disability Pension by Age 45-54 2,808

Disability Pension by Age 55-69 7,917

Disability Pension by Age 70-84 8,095

Disability Pension by Age 85 and over 3,031

Education 

MGIB-AD Trainees 24,731 

MGIB-SR Trainees 2,671 

DEA Trainees 4,755 

VEAP Trainees 36 

Insurance 

Life Insurance Payments $162,202,945 

Total Face Value of Insurance $1,571,992,075 

Total Number of Policies 141,903 

Loan Guaranty 

Number of Loans 8,602 

Total Loan Amount $1,684,461,220

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 637
Benefits by State

Benefits by State

113

Georgia 

Compensation and Pension 

Estimated Veteran Population 757,070 

Disability Compensation Recipients 96,888

Estimated Monthly Disability Compensation Costs $70,111,254

Estimated Annual Disability Compensation Costs $841,345,048

Disability Compensation by Age under 35 8,240

Disability Compensation by Age 35-54 39,699

Disability Compensation by Age 55-74 38,172

Disability Compensation by Age 75-84 8,105 

Disability Compensation by Age 85 and over 2,672

Disability Pension Recipients 11,460

Estimated Monthly Disability Pension Costs $7,883,305

Estimated Annual Disability Pension Costs $94,599,660

Disability Pension by Age under 45 193

Disability Pension by Age 45-54 1,525

Disability Pension by Age 55-69 3,963

Disability Pension by Age 70-84 4,210

Disability Pension by Age 85 and over 1,569

Education 

MGIB-AD Trainees 13,374 

MGIB-SR Trainees 1,704 

DEA Trainees 2,717 

VEAP Trainees 17 

Insurance 

Life Insurance Payments $40,987,434 

Total Face Value of Insurance $397,230,279 

Total Number of Policies 34,858 

Loan Guaranty 

Number of Loans 9,276 

Total Loan Amount $1,499,760,537

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 346
Benefits by State

VBA Annual Benefits Report

114

Hawaii 

Compensation and Pension 

Estimated Veteran Population 102,396

Disability Compensation Recipients 14,811

Estimated Monthly Disability Compensation Costs $11,646,260

Estimated Annual Disability Compensation Costs $139,755,120

Disability Compensation by Age under 35 1,007

Disability Compensation by Age 35-54 4,585 

Disability Compensation by Age 55-74 6,319

Disability Compensation by Age 75-84 2,142

Disability Compensation by Age 85 and over 758

Disability Pension Recipients 720

Estimated Monthly Disability Pension Costs $487,135 

Estimated Annual Disability Pension Costs $5,845,620 

Disability Pension by Age under 45 15

Disability Pension by Age 45-54 125

Disability Pension by Age 55-69 346

Disability Pension by Age 70-84 193

Disability Pension by Age 85 and over 41

Education 

MGIB-AD Trainees 2,084 

MGIB-SR Trainees 497 

DEA Trainees 403

VEAP Trainees 4

Insurance 

Life Insurance Payments $15,559,013 

Total Face Value of Insurance $150,790,389 

Total Number of Policies 11,124 

Loan Guaranty 

Number of Loans 758

Total Loan Amount $287,636,112

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 71
Benefits by State

Benefits by State

115

Idaho 

Compensation and Pension 

Estimated Veteran Population 131,827

Disability Compensation Recipients 16,725

Estimated Monthly Disability Compensation Costs $13,117,444

Estimated Annual Disability Compensation Costs $157,409,328

Disability Compensation by Age under 35 1,517

Disability Compensation by Age 35-54 5,161 

Disability Compensation by Age 55-74 7,203

Disability Compensation by Age 75-84 2,057

Disability Compensation by Age 85 and over 787

Disability Pension Recipients 1,453

Estimated Monthly Disability Pension Costs $992,321

Estimated Annual Disability Pension Costs $11,907,852 

Disability Pension by Age under 45 21

Disability Pension by Age 45-54 162

Disability Pension by Age 55-69 469

Disability Pension by Age 70-84 589

Disability Pension by Age 85 and over 212

Education 

MGIB-AD Trainees 1,584 

MGIB-SR Trainees 415 

DEA Trainees 406 

VEAP Trainees 3 

Insurance 

Life Insurance Payments $7,967,649 

Total Face Value of Insurance $77,218,577 

Total Number of Policies 6,933 

Loan Guaranty 

Number of Loans 1,148 

Total Loan Amount $187,464,945
Benefits by State

VBA Annual Benefits Report

116

Illinois 

Compensation and Pension 

Estimated Veteran Population 852,409

Disability Compensation Recipients 63,343

Estimated Monthly Disability Compensation Costs $44,112,469

Estimated Annual Disability Compensation Costs $529,349,628

Disability Compensation by Age under 35 6,419

Disability Compensation by Age 35-54 18,110

Disability Compensation by Age 55-74 25,836

Disability Compensation by Age 75-84 9,078

Disability Compensation by Age 85 and over 3,900

Disability Pension Recipients 9,708 

Estimated Monthly Disability Pension Costs $6,373,033

Estimated Annual Disability Pension Costs $76,476,396

Disability Pension by Age under 45 109

Disability Pension by Age 45-54 1,378

Disability Pension by Age 55-69 3,932

Disability Pension by Age 70-84 3,363

Disability Pension by Age 85 and over 926

Education 

MGIB-AD Trainees 15,365 

MGIB-SR Trainees 3,055 

DEA Trainees 1,735 

VEAP Trainees 24 

Insurance 

Life Insurance Payments $73,381,378 

Total Face Value of Insurance $711,176,638 

Total Number of Policies 60,119 

Loan Guaranty 

Number of Loans 3,165

Total Loan Amount $531,113,100

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 186
Benefits by State

Benefits by State

117

Indiana 

Compensation and Pension 

Estimated Veteran Population 534,033

Disability Compensation Recipients 47,693

Estimated Monthly Disability Compensation Costs $31,706,747

Estimated Annual Disability Compensation Costs $380,480,964

Disability Compensation by Age under 35 3,503 

Disability Compensation by Age 35-54 14,559

Disability Compensation by Age 55-74 20,607

Disability Compensation by Age 75-84 6,601

Disability Compensation by Age 85 and over 2,423 

Disability Pension Recipients 4,685

Estimated Monthly Disability Pension Costs $3,017,226 

Estimated Annual Disability Pension Costs $36,206,712 

Disability Pension by Age under 45 66

Disability Pension by Age 45-54 705

Disability Pension by Age 55-69 1,754

Disability Pension by Age 70-84 1,678 

Disability Pension by Age 85 and over 482

Education 

MGIB-AD Trainees 3,845 

MGIB-SR Trainees 1,776 

DEA Trainees 947

VEAP Trainees 10 

Insurance 

Life Insurance Payments $26,700,902 

Total Face Value of Insurance $258,772,164 

Total Number of Policies 22,986 

Loan Guaranty 

Number of Loans 2,460 

Total Loan Amount $333,185,865

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 101 
Benefits by State

VBA Annual Benefits Report

118

Iowa 

Compensation and Pension 

Estimated Veteran Population 254,855

Disability Compensation Recipients 21,736

Estimated Monthly Disability Compensation Costs $15,858,495

Estimated Annual Disability Compensation Costs $190,301,940

Disability Compensation by Age under 35 1,555 

Disability Compensation by Age 35-54 5,900

Disability Compensation by Age 55-74 9,081

Disability Compensation by Age 75-84 3,597

Disability Compensation by Age 85 and over 1,603

Disability Pension Recipients 3,554 

Estimated Monthly Disability Pension Costs $2,493,909

Estimated Annual Disability Pension Costs $29,926,908

Disability Pension by Age under 45 37

Disability Pension by Age 45-54 431

Disability Pension by Age 55-69 1,080

Disability Pension by Age 70-84 1,465

Disability Pension by Age 85 and over 541

Education 

MGIB-AD Trainees 2,292 

MGIB-SR Trainees 1,188 

DEA Trainees 469 

VEAP Trainees 6

Insurance 

Life Insurance Payments $21,992,891 

Total Face Value of Insurance $213,144,405 

Total Number of Policies 17,571 

Loan Guaranty 

Number of Loans 911

Total Loan Amount $125,042,092

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 58
Benefits by State

Benefits by State

119

Kansas 

Compensation and Pension 

Estimated Veteran Population 237,564

Disability Compensation Recipients 25,056

Estimated Monthly Disability Compensation Costs $17,732,047 

Estimated Annual Disability Compensation Costs $212,784,564

Disability Compensation by Age under 35 1,831 

Disability Compensation by Age 35-54 7,856

Disability Compensation by Age 55-74 10,462 

Disability Compensation by Age 75-84 3,498 

Disability Compensation by Age 85 and over 1,409

Disability Pension Recipients 2,996

Estimated Monthly Disability Pension Costs $1,978,956

Estimated Annual Disability Pension Costs $23,747,472

Disability Pension by Age under 45 56

Disability Pension by Age 45-54 465

Disability Pension by Age 55-69 1,078

Disability Pension by Age 70-84 1,033

Disability Pension by Age 85 and over 364

Education 

MGIB-AD Trainees 3,005

MGIB-SR Trainees 867

DEA Trainees 667

VEAP Trainees 5

Insurance 

Life Insurance Payments $17,554,192 

Total Face Value of Insurance $170,126,693 

Total Number of Policies 14,943 

Loan Guaranty 

Number of Loans 2,035

Total Loan Amount $297,200,102

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 104
Benefits by State

VBA Annual Benefits Report

120

Kentucky 

Compensation and Pension 

Estimated Veteran Population 351,185

Disability Compensation Recipients 42,797

Estimated Monthly Disability Compensation Costs $36,858,058

Estimated Annual Disability Compensation Costs $442,296,696

Disability Compensation by Age under 35 3,172

Disability Compensation by Age 35-54 13,456

Disability Compensation by Age 55-74 18,625

Disability Compensation by Age 75-84 5,563

Disability Compensation by Age 85 and over 1,981 

Disability Pension Recipients 6,623

Estimated Monthly Disability Pension Costs $4,363,428

Estimated Annual Disability Pension Costs $52,361,136

Disability Pension by Age under 45 59

Disability Pension by Age 45-54 826 

Disability Pension by Age 55-69 2,331

Disability Pension by Age 70-84 2,625 

Disability Pension by Age 85 and over 782

Education 

MGIB-AD Trainees 3,244

MGIB-SR Trainees 1,000

DEA Trainees 1,297

VEAP Trainees 7

Insurance 

Life Insurance Payments $17,781,174 

Total Face Value of Insurance $172,326,493 

Total Number of Policies 15,389 

Loan Guaranty 

Number of Loans 2,447

Total Loan Amount $341,852,878, 

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 150
Benefits by State

Benefits by State

121

Lousiana 

Compensation and Pension 

Estimated Veteran Population 356,461 

Disability Compensation Recipients 37,046

Estimated Monthly Disability Compensation Costs $31,697,197

Estimated Annual Disability Compensation Costs $380,366,364

Disability Compensation by Age under 35 3,222

Disability Compensation by Age 35-54 10,494

Disability Compensation by Age 55-74 16,744

Disability Compensation by Age 75-84 4,919

Disability Compensation by Age 85 and over 1,667

Disability Pension Recipients 8,644 

Estimated Monthly Disability Pension Costs $5,763,091

Estimated Annual Disability Pension Costs $69,157,092

Disability Pension by Age under 45 124

Disability Pension by Age 45-54 1,045

Disability Pension by Age 55-69 2,747

Disability Pension by Age 70-84 3,505

Disability Pension by Age 85 and over 1,223

Education 

MGIB-AD Trainees 4,164

MGIB-SR Trainees 1,647

DEA Trainees 1,484

VEAP Trainees 6

Insurance 

Life Insurance Payments $20,442,295 

Total Face Value of Insurance $198,116,785 

Total Number of Policies 17,822 

Loan Guaranty 

Number of Loans 2,061 

Total Loan Amount $311,347,220

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 72
Benefits by State

VBA Annual Benefits Report

122

Maine 

Compensation and Pension 

Estimated Veteran Population 139,063

Disability Compensation Recipients 20,357

Estimated Monthly Disability Compensation Costs $20,743,022

Estimated Annual Disability Compensation Costs $248,916,264

Disability Compensation by Age under 35 1,375

Disability Compensation by Age 35-54 5,865 

Disability Compensation by Age 55-74 9,335

Disability Compensation by Age 75-84 2,836 

Disability Compensation by Age 85 and over 946

Disability Pension Recipients 2,669

Estimated Monthly Disability Pension Costs $1,716,816

Estimated Annual Disability Pension Costs $20,601,792

Disability Pension by Age under 45 46

Disability Pension by Age 45-54 378

Disability Pension by Age 55-69 968

Disability Pension by Age 70-84 989

Disability Pension by Age 85 and over 288

Education 

MGIB-AD Trainees 1,048

MGIB-SR Trainees 288

DEA Trainees 712

VEAP Trainees 3

Insurance 

Life Insurance Payments $9,742,001 

Total Face Value of Insurance $94,414,734

Total Number of Policies 8,911 

Loan Guaranty 

Number of Loans 561

Total Loan Amount $91,592,566 

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 18
Benefits by State

Benefits by State

123

Maryland 

Compensation and Pension 

Estimated Veteran Population 470,722

Disability Compensation Recipients 50,647

Estimated Monthly Disability Compensation Costs $34,372,248

Estimated Annual Disability Compensation Costs $412,466,976

Disability Compensation by Age under 35 4,480 

Disability Compensation by Age 35-54 19,378

Disability Compensation by Age 55-74 19,176

Disability Compensation by Age 75-84 5,429

Disability Compensation by Age 85 and over 2,184

Disability Pension Recipients 3,678

Estimated Monthly Disability Pension Costs $2,411,245 

Estimated Annual Disability Pension Costs $28,934,940

Disability Pension by Age under 45 55

Disability Pension by Age 45-54 556 

Disability Pension by Age 55-69 1,406 

Disability Pension by Age 70-84 1,344

Disability Pension by Age 85 and over 317

Education 

MGIB-AD Trainees 8,352

MGIB-SR Trainees 980

DEA Trainees 923

VEAP Trainees 16

Insurance 

Life Insurance Payments $37,375,111 

Total Face Value of Insurance $362,221,402 

Total Number of Policies 30,785 

Loan Guaranty 

Number of Loans 2,194

Total Loan Amount $548,153,174

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 111 
Benefits by State

VBA Annual Benefits Report

124

Massachusetts 

Compensation and Pension 

Estimated Veteran Population 462,083

Disability Compensation Recipients 52,958

Estimated Monthly Disability Compensation Costs $39,110,267

Estimated Annual Disability Compensation Costs $469,323,204

Disability Compensation by Age under 35 2,540

Disability Compensation by Age 35-54 9,979 

Disability Compensation by Age 55-74 21,785

Disability Compensation by Age 75-84 12,960

Disability Compensation by Age 85 and over 5,694 

Disability Pension Recipients 4,160

Estimated Monthly Disability Pension Costs $2,566,681 

Estimated Annual Disability Pension Costs $30,800,172

Disability Pension by Age under 45 60

Disability Pension by Age 45-54 587

Disability Pension by Age 55-69 1,397

Disability Pension by Age 70-84 1,629

Disability Pension by Age 85 and over 487

Education 

MGIB-AD Trainees 2,876

MGIB-SR Trainees 1,023

DEA Trainees 1,035

VEAP Trainees 14

Insurance 

Life Insurance Payments $46,896,242 

Total Face Value of Insurance $454,495,577 

Total Number of Policies 45,145 

Loan Guaranty 

Number of Loans 460

Total Loan Amount $106,589,541

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 122
Benefits by State

Benefits by State

125

Michigan 

Compensation and Pension 

Estimated Veteran Population 804,011

Disability Compensation Recipients 65,037

Estimated Monthly Disability Compensation Costs $46,639,469

Estimated Annual Disability Compensation Costs $559,673,628

Disability Compensation by Age under 35 4,350 

Disability Compensation by Age 35-54 16,842 

Disability Compensation by Age 55-74 28,831

Disability Compensation by Age 75-84 10,693

Disability Compensation by Age 85 and over 4,321 

Disability Pension Recipients 9,070

Estimated Monthly Disability Pension Costs $6,795,666

Estimated Annual Disability Pension Costs $81,547,992

Disability Pension by Age under 45 160 

Disability Pension by Age 45-54 1,480 

Disability Pension by Age 55-69 3,938 

Disability Pension by Age 70-84 2,728 

Disability Pension by Age 85 and over 764

Education 

MGIB-AD Trainees 6,328

MGIB-SR Trainees 1,539

DEA Trainees 1,432

VEAP Trainees 21

Insurance 

Life Insurance Payments $48,603,854 

Total Face Value of Insurance $471,044,921 

Total Number of Policies 44,432 

Loan Guaranty 

Number of Loans 1,624

Total Loan Amount $236,836,148

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 165
Benefits by State

VBA Annual Benefits Report

126

Minnesota 

Compensation and Pension 

Estimated Veteran Population 410,166

Disability Compensation Recipients 49,319

Estimated Monthly Disability Compensation Costs $36,759,000

Estimated Annual Disability Compensation Costs $441,108,000

Disability Compensation by Age under 35 3,181 

Disability Compensation by Age 35-54 11,123 

Disability Compensation by Age 55-74 22,054

Disability Compensation by Age 75-84 9,260

Disability Compensation by Age 85 and over 3,701

Disability Pension Recipients 4,695

Estimated Monthly Disability Pension Costs $2,931,520 

Estimated Annual Disability Pension Costs $35,178,240

Disability Pension by Age under 45 50

Disability Pension by Age 45-54 543

Disability Pension by Age 55-69 1,351

Disability Pension by Age 70-84 1,902 

Disability Pension by Age 85 and over 849

Education 

MGIB-AD Trainees 4,243

MGIB-SR Trainees 1,854

DEA Trainees 1,271

VEAP Trainees 13

Insurance 

Life Insurance Payments $36,946,783 

Total Face Value of Insurance $358,070,259 

Total Number of Policies 34,200 

Loan Guaranty 

Number of Loans 1,152 

Total Loan Amount $213,259,938

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 99
Benefits by State

Benefits by State

127

Mississippi 

Compensation and Pension 

Estimated Veteran Population 236,338

Disability Compensation Recipients 27,323

Estimated Monthly Disability Compensation Costs $22,286,468

Estimated Annual Disability Compensation Costs $267,437,616

Disability Compensation by Age under 35 1,704

Disability Compensation by Age 35-54 8,405

Disability Compensation by Age 55-74 12,144

Disability Compensation by Age 75-84 3,787

Disability Compensation by Age 85 and over 1,283

Disability Pension Recipients 5,848

Estimated Monthly Disability Pension Costs $3,610,504 

Estimated Annual Disability Pension Costs $43,326,048 

Disability Pension by Age under 45 56

Disability Pension by Age 45-54 549

Disability Pension by Age 55-69 1,498

Disability Pension by Age 70-84 2,653

Disability Pension by Age 85 and over 1,092 

Education 

MGIB-AD Trainees 1,812

MGIB-SR Trainees 1,184

DEA Trainees 816

VEAP Trainees 3

Insurance 

Life Insurance Payments $12,499,993 

Total Face Value of Insurance $121,143,859 

Total Number of Policies 10,970 

Loan Guaranty 

Number of Loans 1,604

Total Loan Amount $242,632,422

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 90
Benefits by State

VBA Annual Benefits Report

128

Missouri 

Compensation and Pension 

Estimated Veteran Population 538,172

Disability Compensation Recipients 53,228

Estimated Monthly Disability Compensation Costs $40,968,479

Estimated Annual Disability Compensation Costs $491,621,748

Disability Compensation by Age under 35 3,602

Disability Compensation by Age 35-54 15,480

Disability Compensation by Age 55-74 23,539

Disability Compensation by Age 75-84 7,765

Disability Compensation by Age 85 and over 2,842

Disability Pension Recipients 8,381

Estimated Monthly Disability Pension Costs $6,053,867

Estimated Annual Disability Pension Costs $72,646,404

Disability Pension by Age under 45 87

Disability Pension by Age 45-54 1,108

Disability Pension by Age 55-69 2,758

Disability Pension by Age 70-84 3,243

Disability Pension by Age 85 and over 1,185 

Education 

MGIB-AD Trainees 6,285

MGIB-SR Trainees 1,635

DEA Trainees 1,371

VEAP Trainees 16

Insurance 

Life Insurance Payments $33,927,333

Total Face Value of Insurance $328,807,218 

Total Number of Policies 29,769 

Loan Guaranty 

Number of Loans 3,004

Total Loan Amount $454,014,569 

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 153
Benefits by State

Benefits by State

129

Montana 

Compensation and Pension 

Estimated Veteran Population 100,230 

Disability Compensation Recipients 14,229

Estimated Monthly Disability Compensation Costs $11,728,248

Estimated Annual Disability Compensation Costs $140,738,976

Disability Compensation by Age under 35 1,427

Disability Compensation by Age 35-54 4,222

Disability Compensation by Age 55-74 6,346

Disability Compensation by Age 75-84 1,612 

Disability Compensation by Age 85 and over 622

Disability Pension Recipients 1,708 

Estimated Monthly Disability Pension Costs $1,170,206 

Estimated Annual Disability Pension Costs $14,042,472

Disability Pension by Age under 45 17

Disability Pension by Age 45-54 269

Disability Pension by Age 55-69 653

Disability Pension by Age 70-84 583

Disability Pension by Age 85 and over 186

Education 

MGIB-AD Trainees 1,003

MGIB-SR Trainees 294

DEA Trainees 260

VEAP Trainees 2

Insurance 

Life Insurance Payments $7,303,446 

Total Face Value of Insurance $70,781,451

Total Number of Policies 6,116 

Loan Guaranty 

Number of Loans 838

Total Loan Amount $128,192,736 

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 63
Benefits by State

VBA Annual Benefits Report

130

Nebraska 

Compensation and Pension 

Estimated Veteran Population 153,834

Disability Compensation Recipients 18,950

Estimated Monthly Disability Compensation Costs $16,395,594

Estimated Annual Disability Compensation Costs $196,747,128

Disability Compensation by Age under 35 1,306

Disability Compensation by Age 35-54 5,979

Disability Compensation by Age 55-74 8,085

Disability Compensation by Age 75-84 2,755

Disability Compensation by Age 85 and over 825

Disability Pension Recipients 2,062

Estimated Monthly Disability Pension Costs $1,508,913

Estimated Annual Disability Pension Costs $18,106,956

Disability Pension by Age under 45 36

Disability Pension by Age 45-54 294

Disability Pension by Age 55-69 680

Disability Pension by Age 70-84 783

Disability Pension by Age 85 and over 269

Education 

MGIB-AD Trainees 2,534

MGIB-SR Trainees 710

DEA Trainees 734

VEAP Trainees 5

Insurance 

Life Insurance Payments $13,322,502 

Total Face Value of Insurance $129,115,212 

Total Number of Policies 11,061

Loan Guaranty 

Number of Loans 1,605 

Total Loan Amount $250,636,840

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 36
Benefits by State

Benefits by State

131

Nevada 

Compensation and Pension 

Estimated Veteran Population 244,295

Disability Compensation Recipients 26,766

Estimated Monthly Disability Compensation Costs $20,097,013

Estimated Annual Disability Compensation Costs $241,164,156

Disability Compensation by Age under 35 2,139

Disability Compensation by Age 35-54 8,372

Disability Compensation by Age 55-74 12,095

Disability Compensation by Age 75-84 3,169 

Disability Compensation by Age 85 and over 991

Disability Pension Recipients 3,043

Estimated Monthly Disability Pension Costs $2,021,296

Estimated Annual Disability Pension Costs $24,255,552

Disability Pension by Age under 45 39

Disability Pension by Age 45-54 452

Disability Pension by Age 55-69 1,282

Disability Pension by Age 70-84 1,023

Disability Pension by Age 85 and over 247

Education 

MGIB-AD Trainees 2,909

MGIB-SR Trainees 378

DEA Trainees 546

VEAP Trainees 3

Insurance 

Life Insurance Payments $12,212,565 

Total Face Value of Insurance $118,358,243

Total Number of Policies 11,186 

Loan Guaranty 

Number of Loans 981

Total Loan Amount $235,948,991

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 85
Benefits by State

VBA Annual Benefits Report

132

New Hampshire 

Compensation and Pension 

Estimated Veteran Population 127,434

Disability Compensation Recipients 14,709

Estimated Monthly Disability Compensation Costs $10,703,101

Estimated Annual Disability Compensation Costs $128,437,212

Disability Compensation by Age under 35 959

Disability Compensation by Age 35-54 4,175 

Disability Compensation by Age 55-74 6,643

Disability Compensation by Age 75-84 2,190

Disability Compensation by Age 85 and over 742

Disability Pension Recipients 1,013

Estimated Monthly Disability Pension Costs $742,362

Estimated Annual Disability Pension Costs $8,908,344

Disability Pension by Age under 45 8

Disability Pension by Age 45-54 110

Disability Pension by Age 55-69 286

Disability Pension by Age 70-84 428

Disability Pension by Age 85 and over 181

Education 

MGIB-AD Trainees 752

MGIB-SR Trainees 214

DEA Trainees 282

VEAP Trainees 3

Insurance 

Life Insurance Payments $9,474,103 

Total Face Value of Insurance $91,818,397

Total Number of Policies 8,556 

Loan Guaranty 

Number of Loans 342

Total Loan Amount $76,914,277

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 38
Benefits by State

Benefits by State

133

New Jersey 

Compensation and Pension 

Estimated Veteran Population 545,345

Disability Compensation Recipients 48,177

Estimated Monthly Disability Compensation Costs $34,642,974

Estimated Annual Disability Compensation Costs $415,715,688

Disability Compensation by Age under 35 2,604

Disability Compensation by Age 35-54 9,551

Disability Compensation by Age 55-74 20,278

Disability Compensation by Age 75-84 10,773 

Disability Compensation by Age 85 and over 4,971

Disability Pension Recipients 3,192

Estimated Monthly Disability Pension Costs $2,090,126

Estimated Annual Disability Pension Costs $25,081,512

Disability Pension by Age under 45 34

Disability Pension by Age 45-54 387

Disability Pension by Age 55-69 1,021

Disability Pension by Age 70-84 1,291

Disability Pension by Age 85 and over 459

Education 

MGIB-AD Trainees 3,432

MGIB-SR Trainees 1,103

DEA Trainees 801

VEAP Trainees 10

Insurance 

Life Insurance Payments $60,711,435 

Total Face Value of Insurance $588,385,710 

Total Number of Policies 53,245 

Loan Guaranty 

Number of Loans 922

Total Loan Amount $203,911,053

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 82
Benefits by State

VBA Annual Benefits Report

134

New Mexico 

Compensation and Pension 

Estimated Veteran Population 175,923

Disability Compensation Recipients 27,010

Estimated Monthly Disability Compensation Costs $29,015,205

Estimated Annual Disability Compensation Costs $348,182,460

Disability Compensation by Age under 35 1,672

Disability Compensation by Age 35-54 7,503 

Disability Compensation by Age 55-74 12,985

Disability Compensation by Age 75-84 3,504

Disability Compensation by Age 85 and over 1,346

Disability Pension Recipients 2,939

Estimated Monthly Disability Pension Costs $1,957,284

Estimated Annual Disability Pension Costs $23,487,408

Disability Pension by Age under 45 58

Disability Pension by Age 45-54 411

Disability Pension by Age 55-69 1,069

Disability Pension by Age 70-84 1,046

Disability Pension by Age 85 and over 355 

Education 

MGIB-AD Trainees 2,896

MGIB-SR Trainees 470

DEA Trainees 1,471

VEAP Trainees 5

Insurance 

Life Insurance Payments $13,725,899 

Total Face Value of Insurance $133,024,739 

Total Number of Policies 11,703 

Loan Guaranty 

Number of Loans 2,055 

Total Loan Amount $346,948,367

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 57
Benefits by State

Benefits by State

135

New York 

Compensation and Pension 

Estimated Veteran Population 1,094,391

Disability Compensation Recipients 104,143

Estimated Monthly Disability Compensation Costs $76,375,323

Estimated Annual Disability Compensation Costs $916,503,876

Disability Compensation by Age under 35 7,214

Disability Compensation by Age 35-54 22,642

Disability Compensation by Age 55-74 44,639 

Disability Compensation by Age 75-84 20,081 

Disability Compensation by Age 85 and over 9,567

Disability Pension Recipients 15,092 

Estimated Monthly Disability Pension Costs $9,214,156

Estimated Annual Disability Pension Costs $110,569,872

Disability Pension by Age under 45 216 

Disability Pension by Age 45-54 2,066

Disability Pension by Age 55-69 5,151 

Disability Pension by Age 70-84 5,746

Disability Pension by Age 85 and over 1,913 

Education 

MGIB-AD Trainees 8,974

MGIB-SR Trainees 2,448

DEA Trainees 2,444

VEAP Trainees 28

Insurance 

Life Insurance Payments $114,405,049 

Total Face Value of Insurance $1,108,758,111 

Total Number of Policies 100,053 

Loan Guaranty 

Number of Loans 2,104 

Total Loan Amount $278,667,792 

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 246 
Benefits by State

VBA Annual Benefits Report

136

North Carolina 

Compensation and Pension 

Estimated Veteran Population 756,216 

Disability Compensation Recipients 104,894

Estimated Monthly Disability Compensation Costs $87,823,276

Estimated Annual Disability Compensation Costs $1,053,879,312

Disability Compensation by Age under 35 8,959

Disability Compensation by Age 35-54 38,656

Disability Compensation by Age 55-74 43,809

Disability Compensation by Age 75-84 10,341

Disability Compensation by Age 85 and over 3,129 

Disability Pension Recipients 10,209

Estimated Monthly Disability Pension Costs $6,081,827

Estimated Annual Disability Pension Costs $72,981,924

Disability Pension by Age under 45 113

Disability Pension by Age 45-54 1,194

Disability Pension by Age 55-69 2,978

Disability Pension by Age 70-84 4,306 

Disability Pension by Age 85 and over 1,618

Education 

MGIB-AD Trainees 10,242

MGIB-SR Trainees 1,280

DEA Trainees 3,642

VEAP Trainees 15

Insurance 

Life Insurance Payments $47,210,151 

Total Face Value of Insurance $457,537,827 

Total Number of Policies 38,674 

Loan Guaranty 

Number of Loans 11,641 

Total Loan Amount $1,774,963,846 

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 305
Benefits by State

Benefits by State

137

North Dakota 

Compensation and Pension 

Estimated Veteran Population 53,048

Disability Compensation Recipients 7,947

Estimated Monthly Disability Compensation Costs $5,738,028

Estimated Annual Disability Compensation Costs $68,856,336

Disability Compensation by Age under 35 741

Disability Compensation by Age 35-54 2,359

Disability Compensation by Age 55-74 3,357

Disability Compensation by Age 75-84 1,015

Disability Compensation by Age 85 and over 475

Disability Pension Recipients 969

Estimated Monthly Disability Pension Costs $584,942

Estimated Annual Disability Pension Costs $7,019,304

Disability Pension by Age under 45 5

Disability Pension by Age 45-54 113

Disability Pension by Age 55-69 285

Disability Pension by Age 70-84 414

Disability Pension by Age 85 and over 152

Education 

MGIB-AD Trainees 721

MGIB-SR Trainees 528

DEA Trainees 238

VEAP Trainees 2

Insurance 

Life Insurance Payments $4,543,051 

Total Face Value of Insurance $44,029,040 

Total Number of Policies 4,042 

Loan Guaranty 

Number of Loans 566

Total Loan Amount $72,689,879

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 37
Benefits by State

VBA Annual Benefits Report

138

Ohio 

Compensation and Pension 

Estimated Veteran Population 1,012,466

Disability Compensation Recipients 85,589 

Estimated Monthly Disability Compensation Costs $57,702,460

Estimated Annual Disability Compensation Costs $692,429,520

Disability Compensation by Age under 35 6,200

Disability Compensation by Age 35-54 24,642

Disability Compensation by Age 55-74 36,153

Disability Compensation by Age 75-84 13,276

Disability Compensation by Age 85 and over 5,318

Disability Pension Recipients 15,139

Estimated Monthly Disability Pension Costs $10,938,798 

Estimated Annual Disability Pension Costs $131,265,576

Disability Pension by Age under 45 282

Disability Pension by Age 45-54 2,752

Disability Pension by Age 55-69 6,473

Disability Pension by Age 70-84 4,331

Disability Pension by Age 85 and over 1,301

Education 

MGIB-AD Trainees 7,981

MGIB-SR Trainees 3,119

DEA Trainees 1,685

VEAP Trainees 23

Insurance 

Life Insurance Payments $64,921,728 

Total Face Value of Insurance $629,189,822 

Total Number of Policies 58,543 

Loan Guaranty 

Number of Loans 3,829 

Total Loan Amount $576,761,422

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 172 
Benefits by State

Benefits by State

139

Oklahoma 

Compensation and Pension 

Estimated Veteran Population 346,707

Disability Compensation Recipients 52,964

Estimated Monthly Disability Compensation Costs $54,178,142

Estimated Annual Disability Compensation Costs $650,137,704

Disability Compensation by Age under 35 4,073

Disability Compensation by Age 35-54 14,970

Disability Compensation by Age 55-74 24,965

Disability Compensation by Age 75-84 6,744 

Disability Compensation by Age 85 and over 2,212

Disability Pension Recipients 7,760

Estimated Monthly Disability Pension Costs $6,530,078 

Estimated Annual Disability Pension Costs $78,360,936

Disability Pension by Age under 45 103

Disability Pension by Age 45-54 1,071

Disability Pension by Age 55-69 2,935

Disability Pension by Age 70-84 2,783

Disability Pension by Age 85 and over 868 

Education 

MGIB-AD Trainees 5,198

MGIB-SR Trainees 1,764

DEA Trainees 2,278

VEAP Trainees 7

Insurance 

Life Insurance Payments $20,549,576 

Total Face Value of Insurance $199,156,497 

Total Number of Policies 17,882 

Loan Guaranty 

Number of Loans 3,511 

Total Loan Amount $470,100,873

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 248
Benefits by State

VBA Annual Benefits Report

140

Oregon 

Compensation and Pension 

Estimated Veteran Population 357,319

Disability Compensation Recipients 40,482

Estimated Monthly Disability Compensation Costs $37,935,501

Estimated Annual Disability Compensation Costs $455,226,012

Disability Compensation by Age under 35 3,686

Disability Compensation by Age 35-54 11,276

Disability Compensation by Age 55-74 18,177

Disability Compensation by Age 75-84 5,228

Disability Compensation by Age 85 and over 2,115

Disability Pension Recipients 5,946

Estimated Monthly Disability Pension Costs $4,462,484

Estimated Annual Disability Pension Costs $53,549,808

Disability Pension by Age under 45 72

Disability Pension by Age 45-54 983

Disability Pension by Age 55-69 2,431

Disability Pension by Age 70-84 1,872

Disability Pension by Age 85 and over 588

Education 

MGIB-AD Trainees 3,683

MGIB-SR Trainees 784

DEA Trainees 1,171

VEAP Trainees 9

Insurance 

Life Insurance Payments $22,921,518 

Total Face Value of Insurance $222,144,206 

Total Number of Policies 20,176 

Loan Guaranty 

Number of Loans 1,542 

Total Loan Amount $292,767,154

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 245 
Benefits by State

Benefits by State

141

Pennsylvania 

Compensation and Pension 

Estimated Veteran Population 1,088,220 

Disability Compensation Recipients 91,592

Estimated Monthly Disability Compensation Costs $67,010,229

Estimated Annual Disability Compensation Costs $804,122,748

Disability Compensation by Age under 35 5,974

Disability Compensation by Age 35-54 21,879

Disability Compensation by Age 55-74 38,850

Disability Compensation by Age 75-84 17,365

Disability Compensation by Age 85 and over 7,524

Disability Pension Recipients 14,308 

Estimated Monthly Disability Pension Costs $10,467,799 

Estimated Annual Disability Pension Costs $125,613,588

Disability Pension by Age under 45 182

Disability Pension by Age 45-54 1,755 

Disability Pension by Age 55-69 4,960

Disability Pension by Age 70-84 5,390

Disability Pension by Age 85 and over 2,021

Education 

MGIB-AD Trainees 7,469

MGIB-SR Trainees 3,011

DEA Trainees 2,062

VEAP Trainees 23

Insurance 

Life Insurance Payments $91,682,792 

Total Face Value of Insurance $888,545,039 

Total Number of Policies 84,811 

Loan Guaranty 

Number of Loans 2,804 

Total Loan Amount $449,379,536

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 256
Benefits by State

VBA Annual Benefits Report

142

Rhode Island 

Compensation and Pension 

Estimated Veteran Population 86,327

Disability Compensation Recipients 9,729

Estimated Monthly Disability Compensation Costs $7,938,138

Estimated Annual Disability Compensation Costs $95,257,656

Disability Compensation by Age under 35 516

Disability Compensation by Age 35-54 2,209

Disability Compensation by Age 55-74 4,001

Disability Compensation by Age 75-84 2,017

Disability Compensation by Age 85 and over 986

Disability Pension Recipients 990

Estimated Monthly Disability Pension Costs $686,714

Estimated Annual Disability Pension Costs $8,240 ,568

Disability Pension by Age under 45 9

Disability Pension by Age 45-54 117

Disability Pension by Age 55-69 338 

Disability Pension by Age 70-84 370

Disability Pension by Age 85 and over 156 

Education 

MGIB-AD Trainees 591

MGIB-SR Trainees 238

DEA Trainees 260

VEAP Trainees 3

Insurance 

Life Insurance Payments $7,309,794 

Total Face Value of Insurance $70,842,970 

Total Number of Policies 7,174 

Loan Guaranty 

Number of Loans 109

Total Loan Amount $26,742,669

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 26
Benefits by State

Benefits by State

143

South Carolina 

Compensation and Pension 

Estimated Veteran Population 410,084

Disability Compensation Recipients 52,882 

Estimated Monthly Disability Compensation Costs $43,824,264

Estimated Annual Disability Compensation Costs $525,891,168

Disability Compensation by Age under 35 4,031

Disability Compensation by Age 35-54 18,239

Disability Compensation by Age 55-74 23,703

Disability Compensation by Age 75-84 5,367

Disability Compensation by Age 85 and over 1,542

Disability Pension Recipients 7,264

Estimated Monthly Disability Pension Costs $5,164,452

Estimated Annual Disability Pension Costs $61,973,424

Disability Pension by Age under 45 77

Disability Pension by Age 45-54 744

Disability Pension by Age 55-69 2,227

Disability Pension by Age 70-84 3,040

Disability Pension by Age 85 and over 1,176 

Education 

MGIB-AD Trainees 4,353

MGIB-SR Trainees 1,104

DEA Trainees 1,563

VEAP Trainees 8

Insurance 

Life Insurance Payments $25,618,033 

Total Face Value of Insurance $248,277,524 

Total Number of Policies 21,682 

Loan Guaranty 

Number of Loans 3,539

Total Loan Amount $576,045,442

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 290
Benefits by State

VBA Annual Benefits Report

144

South Dakota 

Compensation and Pension 

Estimated Veteran Population 70,981

Disability Compensation Recipients 10,485

Estimated Monthly Disability Compensation Costs $8,371,978

Estimated Annual Disability Compensation Costs $100,463,736

Disability Compensation by Age under 35 903

Disability Compensation by Age 35-54 3,358

Disability Compensation by Age 55-74 4,516

Disability Compensation by Age 75-84 1,217

Disability Compensation by Age 85 and over 491

Disability Pension Recipients 1,677

Estimated Monthly Disability Pension Costs $1,125,506 

Estimated Annual Disability Pension Costs $13,506,072

Disability Pension by Age under 45 23

Disability Pension by Age 45-54 190

Disability Pension by Age 55-69 482

Disability Pension by Age 70-84 726

Disability Pension by Age 85 and over 256

Education 

MGIB-AD Trainees 809

MGIB-SR Trainees 631

DEA Trainees 279

VEAP Trainees 2

Insurance 

Life Insurance Payments $5,863,979 

Total Face Value of Insurance $56,830,833 

Total Number of Policies 5,086 

Loan Guaranty 

Number of Loans 660 

Total Loan Amount $101,286,949

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 61
Benefits by State

Benefits by State

145

Tennessee 

Compensation and Pension 

Estimated Veteran Population 532,105

Disability Compensation Recipients 61,454

Estimated Monthly Disability Compensation Costs $48,886,907

Estimated Annual Disability Compensation Costs $586,642,884

Disability Compensation by Age under 35 4,739

Disability Compensation by Age 35-54 21,145

Disability Compensation by Age 55-74 26,592 

Disability Compensation by Age 75-84 6,764 

Disability Compensation by Age 85 and over 2,214

Disability Pension Recipients 9,501

Estimated Monthly Disability Pension Costs $6,306,084

Estimated Annual Disability Pension Costs $75,673,008

Disability Pension by Age under 45 104 

Disability Pension by Age 45-54 1,186

Disability Pension by Age 55-69 3,193

Disability Pension by Age 70-84 3,690

Disability Pension by Age 85 and over 1,328 

Education 

MGIB-AD Trainees 5,184

MGIB-SR Trainees 1,152

DEA Trainees 1,519

VEAP Trainees 10

Insurance 

Life Insurance Payments $27,308,691

Total Face Value of Insurance $264,662,559 

Total Number of Policies 22,960 

Loan Guaranty 

Number of Loans 4,690 

Total Loan Amount $695,548,225

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 265
Benefits by State

VBA Annual Benefits Report

146

Texas 

Compensation and Pension 

Estimated Veteran Population 1,652,214

Disability Compensation Recipients 234,527

Estimated Monthly Disability Compensation Costs $196,484,219

Estimated Annual Disability Compensation Costs $2,357,810,628

Disability Compensation by Age under 35 22,059

Disability Compensation by Age 35-54 75,565

Disability Compensation by Age 55-74 101,226

Disability Compensation by Age 75-84 26,384 

Disability Compensation by Age 85 and over 9,293

Disability Pension Recipients 27,002

Estimated Monthly Disability Pension Costs $18,828,207

Estimated Annual Disability Pension Costs $225,938,484

Disability Pension by Age under 45 493

Disability Pension by Age 45-54 4,129

Disability Pension by Age 55-69 9,779

Disability Pension by Age 70-84 9,383

Disability Pension by Age 85 and over 3,218 

Education 

MGIB-AD Trainees 30,395

MGIB-SR Trainees 3,371

DEA Trainees 7,488

VEAP Trainees 36

Insurance 

Life Insurance Payments $104,203,873 

Total Face Value of Insurance $1,009,893,275 

Total Number of Policies 88,193 

Loan Guaranty 

Number of Loans 18,933

Total Loan Amount $2,781,551,200

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 979
Benefits by State

Benefits by State

147

Utah 

Compensation and Pension 

Estimated Veteran Population 146,738

Disability Compensation Recipients 15,704

Estimated Monthly Disability Compensation Costs $11,593,830

Estimated Annual Disability Compensation Costs $139,125,960

Disability Compensation by Age under 35 1,510 

Disability Compensation by Age 35-54 4,853

Disability Compensation by Age 55-74 6,414

Disability Compensation by Age 75-84 2,094

Disability Compensation by Age 85 and over 833

Disability Pension Recipients 1,304 

Estimated Monthly Disability Pension Costs $862,696

Estimated Annual Disability Pension Costs $10,352,352

Disability Pension by Age under 45 25 

Disability Pension by Age 45-54 222

Disability Pension by Age 55-69 457

Disability Pension by Age 70-84 465

Disability Pension by Age 85 and over 135

Education 

MGIB-AD Trainees 2,427

MGIB-SR Trainees 1,176

DEA Trainees 659

VEAP Trainees 4

Insurance 

Life Insurance Payments $11,212,032 

Total Face Value of Insurance $108,661,564 

Total Number of Policies 9,990 

Loan Guaranty 

Number of Loans 1,463 

Total Loan Amount $264,232,130

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 190
Benefits by State

VBA Annual Benefits Report

148

Vermont

Compensation and Pension 

Estimated Veteran Population 55,670

Disability Compensation Recipients 5,572

Estimated Monthly Disability Compensation Costs $4,605,245

Estimated Annual Disability Compensation Costs $55,262,940

Disability Compensation by Age under 35 356

Disability Compensation by Age 35-54 1,576

Disability Compensation by Age 55-74 2,487

Disability Compensation by Age 75-84 833

Disability Compensation by Age 85 and over 320

Disability Pension Recipients 555

Estimated Monthly Disability Pension Costs $310,415

Estimated Annual Disability Pension Costs $3,724,980

Disability Pension by Age under 45 3

Disability Pension by Age 45-54 69

Disability Pension by Age 55-69 216

Disability Pension by Age 70-84 216

Disability Pension by Age 85 and over 51

Education 

MGIB-AD Trainees 414

MGIB-SR Trainees 144

DEA Trainees 105

VEAP Trainees 1

Insurance 

Life Insurance Payments $4,109,129 

Total Face Value of Insurance $39,823,682 

Total Number of Policies 3,596 

Loan Guaranty 

Number of Loans 134

Total Loan Amount $23,752,401

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 20
Benefits by State

Benefits by State

149

Virginia 

Compensation and Pension 

Estimated Veteran Population 737,600

Disability Compensation Recipients 105,797

Estimated Monthly Disability Compensation Costs $72,425,380

Estimated Annual Disability Compensation Costs $869,104,560

Disability Compensation by Age under 35 8,345

Disability Compensation by Age 35-54 44,052

Disability Compensation by Age 55-74 40,883

Disability Compensation by Age 75-84 9,375

Disability Compensation by Age 85 and over 3,142

Disability Pension Recipients 6,183

Estimated Monthly Disability Pension Costs $3,706,777

Estimated Annual Disability Pension Costs $44,481,324 

Disability Pension by Age under 45 69

Disability Pension by Age 45-54 826

Disability Pension by Age 55-69 2,018

Disability Pension by Age 70-84 2,488

Disability Pension by Age 85 and over 782

Education 

MGIB-AD Trainees 15,288

MGIB-SR Trainees 1,621

DEA Trainees 2,317

VEAP Trainees 20

Insurance 

Life Insurance Payments $51,814,426 

Total Face Value of Insurance $502,160,227 

Total Number of Policies 42,359 

Loan Guaranty 

Number of Loans 8,242 

Total Loan Amount $1,790,741,212 

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 335
Benefits by State

VBA Annual Benefits Report

150

Washington 

Compensation and Pension 

Estimated Veteran Population 617,723 

Disability Compensation Recipients 85,928

Estimated Monthly Disability Compensation Costs $68,284,058

Estimated Annual Disability Compensation Costs $819,408,696

Disability Compensation by Age under 35 7,469 

Disability Compensation by Age 35-54 31,117

Disability Compensation by Age 55-74 35,710

Disability Compensation by Age 75-84 8,476

Disability Compensation by Age 85 and over 3,156 

Disability Pension Recipients 5,218

Estimated Monthly Disability Pension Costs $3,613,901

Estimated Annual Disability Pension Costs $43,366,812

Disability Pension by Age under 45 109

Disability Pension by Age 45-54 939

Disability Pension by Age 55-69 2,194

Disability Pension by Age 70-84 1,523

Disability Pension by Age 85 and over 453

Education 

MGIB-AD Trainees 8,727

MGIB-SR Trainees 1,182

DEA Trainees 2,131

VEAP Trainees 16

Insurance 

Life Insurance Payments $39,583,027 

Total Face Value of Insurance $383,619,454 

Total Number of Policies 34,485 

Loan Guaranty 

Number of Loans 5,803

Total Loan Amount $1,261,112,887

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 412
Benefits by State

Benefits by State

151

West Virginia 

Compensation and Pension 

Estimated Veteran Population 182,285

Disability Compensation Recipients 22,782

Estimated Monthly Disability Compensation Costs $22,680,624

Estimated Annual Disability Compensation Costs $272,167,488

Disability Compensation by Age under 35 1,638

Disability Compensation by Age 35-54 5,644

Disability Compensation by Age 55-74 11,428

Disability Compensation by Age 75-84 3,057

Disability Compensation by Age 85 and over 1,015 

Disability Pension Recipients 4,385

Estimated Monthly Disability Pension Costs $3,030,006

Estimated Annual Disability Pension Costs $36,360,072

Disability Pension by Age under 45 54

Disability Pension by Age 45-54 624

Disability Pension by Age 55-69 1,738

Disability Pension by Age 70-84 1,565

Disability Pension by Age 85 and over 404

Education 

MGIB-AD Trainees 2,865

MGIB-SR Trainees 835

DEA Trainees 737

VEAP Trainees 3

Insurance 

Life Insurance Payments $9,983,113 

Total Face Value of Insurance $96,751,478 

Total Number of Policies 8,835

Loan Guaranty 

Number of Loans 595

Total Loan Amount $96,327,112

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 78
Benefits by State

VBA Annual Benefits Report

152

Wisconsin 

Compensation and Pension 

Estimated Veteran Population 457,450

Disability Compensation Recipients 46,186

Estimated Monthly Disability Compensation Costs $36,152,825

Estimated Annual Disability Compensation Costs $433,833,900

Disability Compensation by Age under 35 4,109

Disability Compensation by Age 35-54 13,027

Disability Compensation by Age 55-74 19,686

Disability Compensation by Age 75-84 6,743 

Disability Compensation by Age 85 and over 2,621 

Disability Pension Recipients 5,485

Estimated Monthly Disability Pension Costs $3,804,624

Estimated Annual Disability Pension Costs $45,655,488

Disability Pension by Age under 45 66

Disability Pension by Age 45-54 824

Disability Pension by Age 55-69 1,861

Disability Pension by Age 70-84 1,939 

Disability Pension by Age 85 and over 795

Education 

MGIB-AD Trainees 3,302

MGIB-SR Trainees 1,670

DEA Trainees 1,063

VEAP Trainees 11

Insurance 

Life Insurance Payments $38,321,951 

Total Face Value of Insurance $371,397,720

Total Number of Policies 33,877 

Loan Guaranty 

Number of Loans 1,475 

Total Loan Amount $232,222,066

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 180
Benefits by State

Benefits by State

153

Wyoming 

Compensation and Pension 

Estimated Veteran Population 53,711

Disability Compensation Recipients 6,494

Estimated Monthly Disability Compensation Costs $4,766,316 

Estimated Annual Disability Compensation Costs $57,195,792

Disability Compensation by Age under 35 582 

Disability Compensation by Age 35-54 2,136 

Disability Compensation by Age 55-74 2,832

Disability Compensation by Age 75-84 706

Disability Compensation by Age 85 and over 238

Disability Pension Recipients 552

Estimated Monthly Disability Pension Costs $356,299

Estimated Annual Disability Pension Costs $4,275,588

Disability Pension by Age under 45 12

Disability Pension by Age 45-54 85

Disability Pension by Age 55-69 210

Disability Pension by Age 70-84 188

Disability Pension by Age 85 and over 57

Education 

MGIB-AD Trainees 653

MGIB-SR Trainees 199

DEA Trainees 149

VEAP Trainees 1

Insurance 

Life Insurance Payments $3,294,783 

Total Face Value of Insurance $31,931,435 

Total Number of Policies 2,727

Loan Guaranty 

Number of Loans 629

Total Loan Amount $110,287,836
Benefits by State

VBA Annual Benefits Report

154

Puerto Rico

Compensation and Pension 

Estimated Veteran Population 125,194

Disability Compensation Recipients 20,125

Estimated Monthly Disability Compensation Costs $22,135,852

Estimated Annual Disability Compensation Costs $265,630,224

Disability Compensation by Age under 35 1,025

Disability Compensation by Age 35-54 5,925

Disability Compensation by Age 55-74 9,379

Disability Compensation by Age 75-84 3,077

Disability Compensation by Age 85 and over 719

Disability Pension Recipients 13,054

Estimated Monthly Disability Pension Costs $7,705,238

Estimated Annual Disability Pension Costs $92,462,856

Disability Pension by Age under 45 31

Disability Pension by Age 45-54 369

Disability Pension by Age 55-69 1,724

Disability Pension by Age 70-84 8,780 

Disability Pension by Age 85 and over 2,150 

Education 

MGIB-AD Trainees 878

MGIB-SR Trainees 1,270

DEA Trainees 1,598

VEAP Trainees 4

Insurance 

Life Insurance Payments $4,145,319 

Total Face Value of Insurance $40,174,414 

Total Number of Policies 4,133

Loan Guaranty 

Number of Loans 332 

Total Loan Amount $51,315,297

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 58
Benefits by State

Benefits by State

155

Phillippines 

Compensation and Pension 

Disability Compensation Recipients 5,072

Estimated Monthly Disability Compensation Costs $5,405,274

Estimated Annual Disability Compensation Costs $64,863,288

Disability Compensation by Age under 35 52

Disability Compensation by Age 35-54 614

Disability Compensation by Age 55-74 1,261

Disability Compensation by Age 75-84 1,047

Disability Compensation by Age 85 and over 2,101

Disability Pension Recipients 795

Estimated Monthly Disability Pension Costs $895,815

Estimated Annual Disability Pension Costs $10,749,780

Disability Pension by Age under 45 7

Disability Pension by Age 45-54 38

Disability Pension by Age 55-69 330

Disability Pension by Age 70-84 182

Disability Pension by Age 85 and over 238

Education 

MGIB-AD Trainees 311

MGIB-SR Trainees 1

DEA Trainees 26

VEAP Trainees 0

Insurance 

Life Insurance Payments $455,386 

Total Face Value of Insurance $4,413,382 

Total Number of Policies 413

Vocational Rehabilitation and Employment 

Number of Veterans Obtaining Suitable Employment 9 
Benefits by State

VBA Annual Benefits Report

156

Other Foreign 

Compensation and Pension 

Estimated Veteran Population 122,625

Disability Compensation Recipients 17,510

Estimated Monthly Disability Compensation Costs $12,057,526

Estimated Annual Disability Compensation Costs $144,690,312 

Disability Compensation by Age under 35 1,467

Disability Compensation by Age 35-54 7,911

Disability Compensation by Age 55-74 6,574

Disability Compensation by Age 75-84 1,192

Disability Compensation by Age 85 and over 363

Disability Pension Recipients 848

Estimated Monthly Disability Pension Costs $624,246

Estimated Annual Disability Pension Costs $7,490,952

Disability Pension by Age under 45 5

Disability Pension by Age 45-54 56

Disability Pension by Age 55-69 235

Disability Pension by Age 70-84 403

Disability Pension by Age 85 and over 149

Education 

MGIB-AD Trainees 17,696

MGIB-SR Trainees 1,883

DEA Trainees 169

VEAP Trainees 52

Insurance 

Life Insurance Payments $5,363,390 

Total Face Value of Insurance $51,333,764 

Total Number of Policies 4,090

Loan Guaranty 

Number of Loans 47 

Total Loan Amount $9,932,329
Index

Index

157

Index to Tables and Charts

Page No. Compensation and Pension

15

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits in Fiscal Year 

2006

15 Summary of Active Compensation and Pension Benefit Accounts at End of Fiscal Year 2006

16

Veterans Who Began Receiving Disability Compensation by Combined Degree During Fiscal Year 

2006

17

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

Began Receiving Compensation-by Fiscal Year

17

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

During FY 2006

18

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

Receiving Compensation — by Fiscal Year

19

Total Number of Veterans Receiving Compensation by Combined Percent of Disability at End of 

Fiscal Year 2006

19 Total Number of Veterans Receiving Compensation by Combined Percent-Five Fiscal Years

20 Age of Veterans Who Began Receiving Service-Connected Compensation During Fiscal Year 2006

20 Age of Veterans Receiving Service-Connected Compensation at End of Fiscal Year 2006

21

Total Individual Service-Connected Disabilities by Evaluation for Veterans Receiving Compensation 

at End of Fiscal Year 2006

22

Frequency of Individual Service-Connected Disabilities by Body System for Veterans Receiving 

Compensation at End of Fiscal Year 2006

23

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

Receiving Compensation at End of Fiscal Year

24-25

Total Service-Connected Disabilities For Veterans Receiving Compensation at End of Fiscal Year 

2006 by Percent and Body System

26-27 Most Prevalent Service-Connected Disabilities

27 Most Prevalent Disabilities for Veterans Receiving Compensation at End of FY 2006

28 Veterans Receiving Service-Connected Disability Benefits at End of FY 2006

29-30 Most Prevalent Disabilities by Period of Service at End of Fiscal Year 2006

31 Service-Connected Disabilities at End of Fiscal Year 2006 by Period of Service

31 Total Beneficiaries Who Began Receiving DIC from FY 2002-2006

31 Age of Surviving Spouses Who Began Receiving DIC Benefits During FY 2006

32 Age of Children Who Began Receiving DIC Benefits in FY 2006

32 Total Beneficiaries Receiving DIC by Relationship at End of Fiscal Year 2006

33

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

Fiscal Year 2006

33 Surviving Spouses Receiving DIC by Age at End of Fiscal Year 2006
Index

VBA Annual Benefits Report

158

Page No. Compensation and Pension

33 Children Receiving DIC by Age at End of Fiscal Year 2006

34 Veterans Who Began Receiving Disability Pension by Program during Fiscal Year 2006

34 Total Veterans Receiving Disability Pension at End of Fiscal Year 2006

35 Disability Pension by Period of Service at End of FY 2006

35 Number of Veterans Who Began Receiving Disability Pension Benefits During FY 2006 by Age

35 Veterans Receiving Disability Pension End of FY 2006 by Age

36 Beneficiaries Who Began Receiving Death Pension During FY 2006 by Program 

36 Total Beneficiaries Receiving Death Pension by Program at End of FY 2006

36 Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2006 by Age

37 Surviving Spouses Receiving Death Pension End of FY 2006 by Age

37 Non Service-Connected Death Pension by Period of Service

37 Death Pension by Period of Service at End of FY 2006

38 Number of Beneficiaries by Payee Type

38 Benefits Paid by Benefit Program

38 Relationship of Fiduciary
Index

Index

159

Page No. Education

41 Beneficiaries by Program Fiscal Years 2002-2006

41 New Education Beneficiaries by Training Type and Program During Fiscal Year 2006

42 Training Available Under the Four Benefit Programs

43 Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2006

43 Beneficiaries Who First Began Receiving Education Benefits by Fiscal Year

43

Beneficiaries Who Began Receiving Education Benefits by Training Time and Program During 

Fiscal Year 2006

44 Beneficiaries Whose Benefits Terminated During Fiscal Year 2006 by Program

44 Beneficiaries Whose Benefits Terminated During Fiscal Year 2006 by Program and Reason

45 Unique Trainees and Payment ($000)

Page No. Insurance 

48 Lives Insured

48 Benefits Paid

49 Death Awards (Number)

49 Death Awards (Amount)

49 Operations Statistics-Administered

50 Programs That No Longer Issue Coverage

50 Programs That Issue Coverage

51 2006 Rankings by Total Life Insurance In-Force

52 New Life Insurance Coverage Issued During Fiscal Year 2006

53 New Life Insurance Coverage Issued Comparative Information for Five Fiscal Years

53 Policy Lapses During Fiscal Year 2006

54-55 Life Insurance Payments Made During Fiscal Year 2006

55 Life Insurance Dividends Payments Comparative Information for Five Fiscal Years

56 Life Insurance Payments During Fiscal Year 2006

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

57 Dollar amount of Death Claims Paid For the Last Five Fiscal Years (in billions)

58 Life Insurance Monthly Award Payments at End of Fiscal Year 2006

59 Life Insurance Monthly Award Payments at End Fiscal Year 2006

59 Total Life Insurance Policies In-Force at End of FY 2006

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

60

Five Year Comparison of Life Insurance Coverage in Force as of the End of the Fiscal Year (in 

billions)

61 Age Distribution for Life Insurance Programs % of Total by Policy Type

62 SGLI and FSGLI Coverage By Branch of Service

63 SGLI and FSGLI Coverage By Coverage Level Active and Reserve Duty
Index

VBA Annual Benefits Report

160

Page No. Loan Guaranty

67 VA Home Loans Guaranteed Over The Past Five Years

68 Summary Of Home Loan Guaranty Entitlements And Other Eligibility Criteria

69 Types and Characteristics of Loans Guaranteed in Fiscal Year 2006 

69 Five-Year Trend of Loans Guaranteed by Status

70 Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2006

70 Loans Guaranteed During Fiscal Year 2006 by Period of Service / Entitlement 

71 Five Year Trend of Loans Guaranteed by Entitlement

72 Home Loans Guaranteed During Fiscal Year 2006 Based on Gender and Age

73 Purchase Loans Guaranteed During Fiscal Year 2006 Based on Annual Income

74 Number of Loans Guaranteed Last Five Fiscal Years by Age

74 Percent of Loans Guaranteed by Age Last Five Fiscal Years

75 Loans Guaranteed During Fiscal Year 2006 by Race

75 Five Year Trend of Loans Guaranteed by Race

Page No. Vocational Rehabilitation & Employment

78 Vocational Rehabilitation and Employment-Fiscal Year 2006

79 Vocational Rehabilitation & Employment by Age-Fiscal Year 2006

80 Vocational Rehabilitation and Employment by Prior Education Level-Fiscal Year 2006

80 Vocational Rehabilitation and Employment by Branch Of Service-Fiscal Year 2006

81 Vocational Rehabilitation and Employment by Period of Service-Fiscal Year 2006

82 Vocational Rehabilitation and Employment by Length of Service-Fiscal Year 2006

83

Vocational Rehabilitation and Employment by Combined Service Connected Disability Rating Fiscal 

Year 2006

83 Veterans with Serious Employment Handicaps Fiscal Year 2006

84 Veterans Participating in a Vocational Training Program During Fiscal Year 2006

85

Veterans Successfully Rehabilitated Pre & Post Annual Earnings by Occupational Category-Fiscal 

Year 2006

86 Veterans Participating & Rehabilitated by Occupational Category-Fiscal Year 2006

87 Vocational Rehabilitation & Employment Applicants Fiscal Year 2000-2006

87 Vocational Rehabilitation & Employment Female Participation Fiscal Years 2000-2006
U.S. DEPARTMENT OF VETERAN AFFAIRS

VETERAN BENEFITS ADMINISTRATION

810 Vermont Avenue N.W.

Washington, D.C. 20420

Internet Homepage http://www.vba.va.gov

You may obtain additional copies of this report by calling the Office of Performance Analysis and 

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