ANNUAL BENEFITS ENEFITS REPORT

FISCAL YEAR 2004

VETERANS ETERANS BENEFITS ENEFITS ADMINISTRATION DMINISTRATION

DEPARTMENT OF VETERANS AFFAIRS

JUNE 2005 
Photographs courtesy of the Department of Defense at http://www.dod.mil/multimedia/; U.S. Army at http://

www4.army.mil/armyimages/; U.S. Air Force at http://www.af.mil/photos; U.S. Marines http://www.usmc.mil/

marinelink/image1.nsf/imagearchive. 
THE UNDER SECRETARY OF VETERANS AFFAIRS FOR BENEFITS 

WASHINGTON, D.C. 20420 

Dear Reader, 

We are pleased to present the Veterans Benefits Administration Annual Benefits Report for Fiscal Year 2004. This 

report contains the essential data pertaining to the performance of our five benefit programs last fiscal year, set out in 

a manner that is easy for the reader to understand. The employees of the Veterans Benefits Administration are dedicated to improving our delivery of services to the Nation’s veterans, and hope this report is a useful tool for the reader 

to understand our mission and our success. 

This is the seventh edition of the Annual Benefits Report. The publication of this report reinforces VBA’s commitment 

to our stakeholders and business partners to provide comprehensive data regarding the activities of our five benefit 

programs. We have continued the use of descriptive graphs and tables that provide pertinent summaries as well as 

five-year trends concerning beneficiaries and their use of our programs. 

On the cover and throughout this year’s report are photographs depicting the readiness and efforts of our brave men 

and women fighting in support of freedom for those abroad as well as maintaining the constancy of peace here at 

home. We are deeply grateful for their valiant efforts, for the efforts of all veterans, and are proud to be part of an organization whose job it is to administer to their needs. 

On the ensuing pages, we present a summary of the benefits used by our Nation’s veterans in 2004. I thank the 

employees of VBA for making a difference in the lives of our veterans and their families. 

Daniel L. Cooper 
TABLE OF CONTENTS 

INTRODUCTION 5 

COMPENSATION AND PENSION 7 

EDUCATION 42 

LIFE INSURANCE 49 

LOAN GUARANTY 62 

VOCATIONAL REHABILITATION AND EMPLOYMENT 70 

APPENDICES

 VBA Regional Office Mailing Addresses 83 

 Contacting the VA by Telephone 87 

 Websites 88 

 Glossary 89 

 Select Veteran Data for All VA Benefit Programs by State 94 

Estimated Future Benefit Payments 152 
Page 5 

VETERANS BENEFITS ADMINISTRATION

 ANNUAL BENEFITS REPORT 

 INTRODUCTION

 

We are the U.S. Department of Veterans Affairs, "VA" for short. 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. 

INTRODUCTION
Page 6 VETERANS BENEFITS ADMINISTRATION 

VETERANS BENEFITS PROGRAMS: 

VA benefits and services fall into these major categories: 

 Compensation and Pension 

 Education & Training 

 Vocational Rehabilitation & Employment 

 Home Loans 

 Burial Allowance 

 Dependents' and Survivors' Benefits 

 Life Insurance 

 Health Care 

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 available on the VA Home Page: http://www1.va.gov/

pubaff/histbrf.pdf. 

A more detailed description of these benefit programs can be found in the pamphlet, Benefits for Veterans and 

Dependents, at the following VA website: http://www.va.gov/opa/vadocs/current_benefits.htm

PURPOSE OF VBA’S ANNUAL BENEFITS REPORT

The intent of this Annual Benefits Report (ABR) is to clearly delineate the particulars of the benefit programs 

delivered by VBA. The report will identify the current level of program participation by eligible persons and profile the veteran/beneficiary. 

The purpose is not to offer subjective analysis of the work processes associated with day-to-day administration 

of the programs, or to report on performance. It is meant to present a clear, complete, data-driven picture of 

the extent to which veterans and their dependents use these benefits; to provide insights into the nature of the 

benefits’ programs; and to portray the economic impact of VBA programs on veterans, their families, the Federal government, and the nation. 

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

FY 2004 Performance and Accountability Report, dated November 2004. The document can be reached 

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 Plans can be found on the Department’s web 

page: http://www.va.gov/opp/sps/default.htm. 
C Page 7 OMPENSATION AND PENSION Page 7 

COMPENSATION AND PENSION 

COMPENSATION BASED UPON SERVICE-CONNECTED DISABILITY OR DEATH

VA pension programs provide a minimum level of economic security to non service-connected disabled wartime 

veterans, as well as survivors of wartime veterans. These 

programs are means tested and serve veterans and survivors who are experiencing financial hardship. The total 

family income from sources other than VA determines the 

amount of pension payable to the beneficiary. Law establishes income limits and benefit rates for these programs. 

Wartime veterans who are age 65 or older, or permanently and totally disabled as the result of a non serviceconnected disability, may be eligible for disability pension, 

subject to income limitations. Additional amounts may be 

paid to a veteran who has dependents, who is so disabled 

as to require the aid and attendance of another person, or 

who is housebound. Benefits are also paid under two protected, or “grandfathered,” predecessor pension programs, whose 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” predecessor 

 programs. 

Disability Compensation is a monetary benefit paid to veterans with service-connected disabilities. “Serviceconnected” means that the disability was the result of a disease or injury incurred or aggravated during active military 

service. To be eligible for disability compensation, the veteran must have been discharged under conditions other 

than dishonorable and the disability must not have resulted 

from the veteran’s willful misconduct. 

Disability compensation is graduated according to the degree of the veteran’s disability on a scale from 0 percent disabling to 100 percent disabling, in increments of 10 percent. 

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

Dependency and Indemnity Compensation (DIC) is a 

monetary benefit for survivors of certain deceased veterans 

or service members. The benefit is payable to surviving 

spouses, children, and/or dependent parents of: 

 Service members who die during military service of 

causes that are not due to the person’s willful misconduct; 

 Veterans who die of a service-connected disease or 

injury; 

 Veterans who die from a nonservice-connected disability 

but who were continuously rated 100 percent disabled 

for service-connected disabilities for at least 10 years 

immediately preceding death (or at least five years from 

the date of discharge to the date of death); 

 Veterans who are former POWs who die after September 30, 1999, and were continuously rated 100 percent 

for service-connected disabilities for a period of not less 

than one year immediately preceding death. 

PENSION BASED UPON NON SERVICE-CONNECTED DISABILITY OR DEATH AND FINANCIAL NEED
Page 8 VETERANS BENEFITS ADMINISTRATION 

BENEFIT PROGRAMS NUMBER OF PAYEES

ESTIMATED ANNUAL 

AMOUNTS PAID IN FY 2004 

AVERAGE ANNUAL AMOUNTS

PAID IN FY 2004 

Compensation–Disability 144,181 $986,553,923 $6,842 

Compensation–Death1 19,119 $232,009,065 $12,135 

Pension–Disability 51,700 $429,861,266 $8,315 

Pension–Death2 24,255 $107,664,837 $4,439 

TOTAL 239,255 $1,756,089,091 $7,340 

1 This category represents the Dependency and Indemnity Compensation Program. 

2 Includes only Surviving Spouses. 

SUMMARY OF BENEFICIARIES WHO BEGAN RECEIVING COMPENSATION AND PENSION BENEFITS

SUMMARY OF BENEFICIARIES ADDED TO COMPENSATION AND PENSION 

PROGRAM ROLLS DURING FISCAL YEAR 2004 

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

benefits during FY 2004 and the monetary value of the benefits. 

COMPENSATION BASED UPON

 SERVICE-CONNECTED DISABILITY

Disability compensation is payment for disabilities that the 

VA determines to have occurred during or have been aggravated by a veteran’s military service (except when the 

disability resulted from willful misconduct of the veteran). 

Only veterans (not dependents, survivors, or others) are 

eligible to receive 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 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. 

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

disabling effect on the whole person. The range of disabling effects on a person from a specific disability rarely 

includes every 10 percent increment from zero percent to 

100 percent. 

For example, the Rating Schedule provides four possible 

evaluations for the disabling effect of a disfiguring scar of 

the head, face, or neck: 0, 10, 30, or 50 percent, according to the extent of the disfigurement. Active pulmonary 

tuberculosis, on the other hand, is always rated 100 

percent disabling. 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. 
C Page 9 OMPENSATION AND PENSION Page 9 

COMBINED DEGREE NUMBER ESTIMATED ANNUAL AMOUNT AVERAGE ANNUAL AMOUNT

 0% 434 $376,382 $867 

 10% 42,555 $54,191,239 $1,273 

 20% 29,765 $73,754,098 $2,478 

 30% 20,031 $84,738,341 $4,230 

 40% 14,934 $91,168,486 $6,105 

 50% 10,230 $87,774,628 $8,580 

 60% 7,961 $116,977,979 $14,694 

 70% 6,087 $129,508,473 $21,276 

 80% 2,949 $69,750,810 $23,652 

 90% 1,322 $33,952,767 $25,683 

100% 7,913 $244,360,720 $30,881 

TOTAL 144,181 $986,553,923 $6,842 

Source: Benefits Delivery Network–COIN CP-127 

COMBINED DEGREE OF SERVICE-CONNECTED DISABILITIES FOR VETERANS 

WHO BEGAN RECEIVING COMPENSATION DURING FISCAL YEAR 2004 

SERVICE-CONNECTED DISABILITIES BY COMBINED DEGREE FOR VETERANS WHO BEGAN RECEIVING 

COMPENSATION DURING FISCAL YEAR 2004 

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 disabilities. 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 table below. 

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

the average benefit amount (derived from the COIN CP-127) by 12 months, times the number of veterans who began 

receiving compensation during FY 2004. (Note: Throughout this document, the acronyms “COIN” and “RCS” followed by a number refer to management 

reports used by VA officials.) 
Page 10 VETERANS BENEFITS ADMINISTRATION 

The table below provides the number of veterans who began receiving compensation over a five-year 

period 2000 through 2004 by combined degree of disability for all rating levels. 

FIVE YEAR COMPARISON OF COMBINED DEGREE SERVICE-CONNECTED OF DISABILITIES FOR 

VETERANS WHO BEGAN RECEIVING COMPENSATION — BY FISCAL YEAR

COMBINED DEGREE 2000 2001 2002 2003 2004 

 0% 360 327 529 635 434 

10% 29,441 25,161 39,336 44,304 42,555 

20% 15,114 15,972 37,822 36,035 29,765 

30% 13,332 12,785 20,454 22,039 20,031 

40% 7,837 8,294 15,476 16,377 14,934 

50% 5,590 5,976 9,863 10,869 10,230 

60% 3,848 4,159 7,726 8,573 7,961 

70% 2,741 3,230 5,582 6,459 6,087 

80% 992 1,303 2,688 3,184 2,949 

90% 383 529 1,199 1,456 1,322 

100% 3,521 3,690 7,011 8,004 7,913 

TOTAL 83,159 81,426 147,686 157,935 144,181 
C Page 11 OMPENSATION AND PENSION Page 11 

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000

2000 2001 2002 2003 2004

Veterans Who Began Receiving Service-Connected Disabilities

(Combined Rating) by Fiscal Year

 0%-20% 30%-60% 70%-100%
Page 12 VETERANS BENEFITS ADMINISTRATION 

The following table and chart provide information about individual service-connected disabilities qualified by body system for 

veterans awarded compensation during fiscal years 2000–2004. The second table presents the percentage change of these 

disabilities for fiscal year 2004 from fiscal year 2000.

BODY SYSTEM 2000 2001 2002 2003 2004

Musculoskeletal System 111,663 110,520 156,339 164,970 164,297 

Impairment of Auditory Acuity 28,654 31,995 59,241 75,316 76,836 

Skin 30,334 28,047 41,453 42,766 36,955 

Neurological Conditions 13,261 12,927 28,794 33,575 28,922 

Cardiovascular System 14,594 14,253 26,643 28,069 28,315 

Endocrine System 2,485 5,918 39,852 36,897 26,206 

Mental Disorders 16,613 16,065 25,402 31,022 23,564 

Respiratory System 14,423 14,190 19,304 20,678 19,239 

Digestive System 16,807 15,109 21,501 22,017 19,078 

Genitourinary System 6,502 6,270 13,392 14,993 12,884 

Eye 3,043 2,998 5,320 5,708 4,774 

Infectious Diseases, Immune Disorders, and 

Nutritional Deficiencies 2,280 2,081 3,300 3,233 2,702 

Gynecological Conditions 2,678 2,285 2,795 2,780 2,487 

Hemic and Lymphatic Systems 1,025 923 1262 1,484 1,822 

Dental and Oral Conditions 1,518 1,310 2,087 1,915 1,616 

TOTAL 265,880 264,891 446,685 485,423 449,697 

FIVE YEAR COMPARISON OF SERVICE-CONNECTED DISABILITIES BY BODY SYSTEM

OF VETERANS WHO BEGAN RECEIVING COMPENSATION — BY FISCAL YEAR

BODY SYSTEM CHANGE

Musculoskeletal System 47% 

Impairment of Auditory Acuity 168% 

Skin 22% 

Neurological Conditions 118% 

Cardiovascular System 94% 

Endocrine System 955% 

Mental Disorders 42% 

Respiratory System 33% 

Digestive System 14% 

Genitourinary System 98% 

Eye 57% 

Infectious Diseases, Immune Disorders, and Nutritional Deficiencies 19% 

Gynecological Conditions -7% 

Hemic and Lymphatic Systems 78% 

Dental and Oral Conditions 6% 

PERCENTAGE CHANGE FROM FY 2000 — FY 2004 
C Page 13 OMPENSATION AND PENSION Page 13 

COMPENSATION BASED UPON SERVICE-CONNECTED DEATH

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

The data in this section provide information about surviving spouses, children, and parents who began receiving DIC 

during FY 2004. For comparison, some information is also provided for those who began receiving benefits during 

FYs 2000 through 2004. 

BENEFICIARIES WHO BEGAN RECEIVING DIC DURING FISCAL YEAR 2004 

The next table shows 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 FY 2004. The table also identifies the 

total annual and average annual amounts of DIC benefits paid to these survivors. 

TYPE OF BENEFIT NUMBER ESTIMATED ANNUAL AMOUNT AVERAGE ANNUAL AMOUNT

Surviving Spouses 17,007 $ 223,485,759 $13,141 

Surviving Children 1,821 $7,854,397 $4,313 

Surviving Parents 291 $668,909 $2,299 

TOTAL 19,119 $232,009,065 $12,135 

BENEFICIARIES WHO BEGAN RECEIVING DIC DURING FISCAL YEAR 2004 

Source: Benefits Delivery Network–COIN CP-127

2000

2001

2002

2003

2004

Five Year Comparison of New DIC Awards

Based upon Service-Connected Death

Surviving Spouses 15,679 14,289 16,571 17,029 17,007 

Surviving Children 2,017 1,737 1,940 1,930 1,821 

Surviving Parents 214 167 195 229 291 

2000 2001 2002 2003 2004
Page 14 VETERANS BENEFITS ADMINISTRATION 

DEMOGRAPHIC CHARACTERISTICS OF BENEFICIARIES WHO BEGAN RECEIVING DIC DURING

FISCAL YEAR 2004 

The following tables present information about the age of surviving spouses who began receiving DIC benefits 

during FY 2004: 

Source: Benefits Delivery Network–COIN CP 127 

AGE NUMBER ESTIMATED ANNUAL PAYMENTS

Under 35 606 $7,963,331 

36-55 3,301 $43,377,814 

56-75 8,001 $105,139,622 

Over 75 5,099 $67,004,991 

TOTAL 17,007 $223,485,758 

PERCENTAGE OF TOTAL

4% 

19% 

47% 

30% 

100% 

The table to the left shows the distribution of 

DIC children who are not in the custody of a 

surviving spouse in 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. 

Source: Benefits Delivery Network–COIN CP 127 

1 Includes 298 consolidated awards that account for more than one child 

CHILDREN'S AGE NUMBER

ESTIMATED ANNUAL

PAYMENT

Under Age 181 653 $3,612,954 

Age 18 and Over in School 975 $2,977,753 

Age 18 and Over and 

Helpless 193 $1,263,690 

TOTAL 1,821 $7,854,397 
C Page 15 OMPENSATION AND PENSION Page 15 

PENSION BASED UPON NON SERVICE-CONNECTED DISABILITY

VETERANS WHO BEGAN RECEIVING DISABILITY PENSION DURING FISCAL YEAR 2004 

The numbers of veterans added to the disability pension rolls during FY 2004 are shown in the next table. The table 

also shows the total annual amount and the average annual amount of disability pension payments. 

The table groups the two older pension programs - Protected Pension or Old Law Pension and Section 306 Pension 

into one category called “Other Pension Programs.” No original claims can be granted under the two protected, or 

“grandfathered,” pension programs. However, former beneficiaries under these programs can have their benefits 

restored if they meet certain income and eligibility criteria. 

TYPE OF PENSION

NUMBER 

OF VETERANS

ESTIMATED ANNUAL

AMOUNTS

AVERAGE ANNUAL

AMOUNTS

PL 95-588– New Law Pension 51,678 $429,834,866 $8,318 

Other Pension Programs1 22 $26,400 $1,200 

TOTAL 51,700 $429,861,266 $8,315 

VETERANS WHO BEGAN RECEIVING DISABILITY PENSION 

DURING FISCAL YEAR 2004 BY PROGRAM 

Source: Benefits Delivery Network–COIN CP 103 

1

 Other Pension Programs" are cases that have been restored . 

 45,194 39,477

55,156 54,308 51,700

0

10,000

20,000

30,000

40,000

50,000

60,000

Veterans Who Began Receiving Pension

 during Fiscal Years 2000 - 2004

 2000 2001 2002 2003 2004
Page 16 VETERANS BENEFITS ADMINISTRATION 

AGE OF VETERANS WHO BEGAN RECEIVING DISABILITY PENSION DURING FISCAL YEAR 2004 

The age distribution among the 51,700 veterans who began receiving disability pension in FY 2004 is shown in the 

table below. The total annual amount of disability pension payments for each age group is shown in the last column of 

the table. 

AGE OTHER PENSION1 NEW LAW PENSION ESTIMATED ANNUAL 

PAYMENT

Under Age 35 0 529 $4,398,387 

36-55 1 14,844 $123,429,216 

56-75 5 18,454 $153,477,933 

Over 75 16 17,851 $148,555,730 

TOTAL 22 51,678 $429,861,266 

VETERANS WHO BEGAN RECEIVING DISABILITY PENSION

DURING FISCAL YEAR 2004 BY AGE

COMBINED PROGRAMS

529 

14,845 

18,459 

17,867 

 51,700 

Source: Benefits Delivery Network–COIN CP 103 

1The “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. 

TYPE OF PENSION

NUMBER OF SURVIVING

SPOUSES

TOTAL ANNUAL

AMOUNT

AVERAGE ANNUAL

AMOUNT

PL 95-588-New Law Pension 24,228 $107,621,745 $4,442 

Other Pension Programs1 27 $43,092 $1,596 

TOTAL 24,255 $107,664,837 $4,439 

SURVIVING SPOUSES WHO BEGAN RECEIVING DEATH PENSION 

DURING FISCAL YEAR 2004 BY PROGRAM 

PENSION BASED UPON NON SERVICE-CONNECTED DEATH

BENEFICIARIES WHO BEGAN RECEIVING DEATH PENSION DURING FISCAL YEAR 2004 

The number of surviving spouses added to the death pension rolls during FY 2004 is shown in the next table. The table 

also shows the total annual amount and the 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. 

Source: Benefits Delivery Network–COIN CP 103 

1

 Other Pension Programs" are cases where previously awarded entitlements have been restored . 
C Page 17 OMPENSATION AND PENSION Page 17 

Five Year Comparison of Surviving Spouses Who Began

Receiving Death Pension

22,119

19,773

24,098 24,105 24,255

0

5,000

10,000

15,000

20,000

25,000

30,000

2000 2001 2002 2003 2004
Page 18 VETERANS BENEFITS ADMINISTRATION 

AGE OTHER PENSION1 NEW LAW PENSION ANNUAL PAYMENT

Under Age 35 0 76 $337,595 

36-55 0 2,727 $12,113,443 

56-75 8 6,996 $31,089,280 

Over 75 19 14,429 $64,124,519 

TOTAL 27 24,228 $107,664,837 

SURVIVING SPOUSES WHO BEGAN RECEIVING DEATH PENSION DURING FISCAL YEAR 2004 BY AGE 

Source: Benefits Delivery Network–COIN CP 103 

1The “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. 

Surviving Spouses Who Began Receiving

 Death Pension by Age

36-55

56-75

Over 75

Under Age 35
C Page 19 OMPENSATION AND PENSION Page 19 

The previous section provided data regarding the number of veterans or their dependents who began 

receiving benefits during FY 2004. The following table summarizes the number of active beneficiaries 

in compensation and pension benefit programs at the end of FY 2004 and an estimated monetary 

value of their benefits. 

SUMMARY OF ACTIVE COMPENSATION AND PENSION 

ACCOUNTS AT THE END OF FISCAL YEAR 2004 

BENEFIT PROGRAM NUMBER OF CASES ESTIMATED ANNUAL

AMOUNT

AVERAGE ANNUAL

AMOUNT

Compensation–Disability 2,555,696 $20,591,728,748 $8,057 

Compensation–Death 324,019 $3,880,151,377 $11,975 

Pension–Disability 342,903 $2,446,727,368 $7,135 

Pension–Death1 215,253 $668,896,237 $3,107 

TOTAL 3,437,871 $27,587,503,730 $8,025 

Percent of Beneficiaries Receiving Compensation and Pension Benefits

End of Fiscal Year 2004

Pension–Disability 10.0%

Compensation–Death 9.4%

Pension–Death 6.3%

Compensation–

Disability 74.3%

Sources: RCS-20-0221 and COIN CP-127 
Page 20 VETERANS BENEFITS ADMINISTRATION 

SERVICE-CONNECTED DISABILITY COMPENSATION CASES

The following table shows the total number of active cases in receipt of disability compensation at the end of FY 

2004 by period of service. Also shown are the estimated annual and average annual payments made last fiscal 

year. The pie chart below pictorially represents the number of veterans receiving service-connected disability 

benefits by period of service. 

VETERANS RECEIVING SERVICE-CONNECTED DISABILITY BENEFITS 

END OF FISCAL YEAR 2004 

PERIOD OF SERVICE

NUMBER 

OF VETERANS

ESTIMATED 

ANNUAL AMOUNTS

AVERAGE 

ANNUAL AMOUNT

World War I 11 $115,920 $10,538 

World War II 385,493 $3,020,392,190 $7,835 

Korean War 163,635 $1,393,596,611 $8,516 

Vietnam Era 883,092 $9,185,203,674 $10,401 

Gulf War Era 536,134 $2,988,772,840 $5,575 

Peacetime Periods 587,331 $4,003,647,513 $6,817 

TOTAL 2,555,696 $20,591,728,748 $8,057 

Sources: RCS-20-0221 and COIN CP-127 

PERCENTAGES OF VETERANS RECEIVING 

DISABILITY BENEFITS BY PERIOD OF SERVICE

World War II

15%

Gulf War Era

21%

Peacetime

Periods

23% Korea

6%

Vietnam Era

35%

World War I

0%
C Page 21 OMPENSATION AND PENSION Page 21 

The combined degree of disability is expressed as a percentage (from zero to 100 in increments of 10) and represents the overall disabling effect on a veteran of all his or her service-connected disabilities. Disability compensation 

monetary amounts are set by Congress and correspond to the combined degree of disability. The following table 

shows the number of veterans receiving compensation, sorted by combined percentage of disability as well as the 

estimated total annual and average payment amounts. 

The “percent of combined disability” is not

calculated by summing all the individual 

degrees of disability. Instead, a rating 

formula is applied to calculate the overall 

disabling effect of the veteran’s serviceconnected conditions. 

 SERVICE-CONNECTED BENEFITS

BY COMBINED PERCENT OF DISABILITY

 END OF FISCAL YEAR 2004 

COMBINED 

DEGREE

NUMBER ESTIMATED ANNUAL

AMOUNT

AVERAGE ANNUAL

AMOUNT

 0% 15,313 $13,365,062 $873 

10% 782,910 $995,644,824 $1,272 

20% 402,492 $981,062,901 $2,437 

30% 321,521 $1,341,808,268 $4,173 

40% 236,785 $1,411,049,619 $5,959 

50% 143,291 $1,193,249,589 $8,327 

60% 161,050 $2,286,817,464 $14,199 

70% 138,548 $2,786,101,375 $20,109 

80% 91,526 $2,035,980,220 $22,245 

90% 46,818 $1,121,636,280 $23,957 

100% 215,442 $6,425,013,147 $29,822 

TOTAL 2,555,696 $20,591,728,748 $8,057 

Sources: RCS-20-0221 and RCS-20-0223 

TOTAL NUMBER OF VETERANS RECEIVING DISABILITY COMPENSATION SHOWN 

BY COMBINED DEGREE OF DISABILITY
Page 22 VETERANS BENEFITS ADMINISTRATION 

VETERANS WITH SERVICE-CONNECTED DISABILITIES

BY COMBINED PERCENT - FIVE FISCAL YEARS

Combined Degree 2000 2001 2002 2003 2004 

 0% 17,469 16,906 16,364 15,925 15,313 

 10% 838,886 822,788 805,229 791,473 782,910 

 20% 370,852 372,113 387,681 396,640 402,492 

 30% 308,893 308,156 313,207 318,239 321,521 

 40% 197,126 200,954 214,613 227,918 236,785 

 50% 118,638 121,316 128,508 136,535 143,291 

 60% 122,622 126,788 138,378 151,443 161,050 

 70% 86,497 93,913 107,097 123,951 138,548 

 80% 52,422 56,945 67,583 80,545 91,526 

 90% 24,474 26,908 32,897 40,339 46,818 

100% 170,307 174,316 186,730 202,221 215,442 

TOTAL 2,308,186 2,321,103 2,398,287 2,485,229 2,555,696 

For comparison, the following table provides combined percent information for veterans receiving compensation at 

the end of fiscal years 2000-2004. 

COMBINED DEGREE PERCENTAGE CHANGE FY 2000 - 2004 

 0% -12.3% 

10% -6.7% 

20% 8.5% 

30% 4.1% 

40% 20.1% 

50% 20.8% 

60% 31.3% 

70% 60.2% 

80% 74.6% 

90% 91.3% 

100% 26.5% 
C Page 23 OMPENSATION AND PENSION Page 23 

TOTAL NUMBER OF INDIVIDUAL SERVICE-CONNECTED DISABILITIES

As noted previously, a veteran may have more than one disability. In such cases, each disability is evaluated according 

to its disabling effect, without regard to other disabling conditions present. A rating formula is then applied to assess the 

overall disabling effect (combined degree) of all the veteran’s service-connected conditions. In contrast to the previous 

table, which organized information according to the number of service-connected veterans and their combined evaluations, the following table organizes information according to the number of service-connected disabilities and their separate evaluations. The table includes the total number of veterans receiving compensation and the average number of 

service-connected disabilities per veteran. A “zero percent” service-connected disability rating means that a disability 

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

Data for the following tables are taken from compensation payment records. Consequently, the disabilities of serviceconnected veterans who do not receive compensation (because their combined disability ratings are zero percent) are not

represented in the table. Zero percent disabilities shown in the table are those veterans who receive compensation 

(either as a result of having combined/multiple zero percent disability evaluations or a zero percent disability and another 

disability rating evaluation above zero percent, i.e. 10 percent or greater.)

Source: Information derived from Data Warehouse ad hoc report using Master Record data. 

There are a total of 2,555,696 veterans whose disabilities are portrayed above. The average number of disabilities per veteran is 

2.85. Approximately 89% or 6,484,224 of these disabilities are evaluated to be in the 0 through 30 percentage rating category.

INDIVIDUAL SERVICE-CONNECTED DISABILITIES BY

PERCENT FOR VETERANS RECEIVING COMPENSATION END

OF FISCAL YEAR 2004 

0% 2,285,987 

10% 2,878,670 

20% 754,046 

30% 565,521 

40% 202,724 

50% 150,941 

60% 134,986 

70% 87,129 

80% 9,928 

90% 3,127 

100% 211,208 

TOTAL 7,284,267 

Combined Disability Number of Disabilities 
Page 24 VETERANS BENEFITS ADMINISTRATION 

INDIVIDUAL SERVICE-CONNECTED DISABILITIES BY BODY SYSTEM

The following table shows all service-connected disabilities for veterans receiving compensation at the 

end of FY 2004, sorted by body system and listed in descending order of frequency. 

Source: Benefits Delivery Network–RCS 20-0227 

RANKING OF INDIVIDUAL SERVICE-CONNECTED DISABILITIES BY BODY SYSTEM FOR VETERANS

 RECEIVING COMPENSATION END OF FISCAL YEAR 2004 

Body System Total Number of Disabilities 

 Musculoskeletal System 2,786,986 

 Skin 778,521 

 Impairment of Auditory Acuity 742,211 

 Neurological Conditions 581,442 

 Mental Disorders 488,333 

 Digestive System 452,307 

 Cardiovascular System 442,640 

 Respiratory System 334,866 

 Endocrine System 217,126 

 Genitourinary System 196,268 

 Eye 117,256 

 Infectious Diseases, Immune Disorders, Nutritional Deficiencies 46,045 

 Gynecological System 44,156 

 Dental and Oral Conditions 31,114 

 Hemic and Lymphatic System 24,996 

TOTAL 7,284,267 

 Musculoskeletal System 38.3% 

 Skin 10.7% Endocrine System 3.0% 

 Impairment of Auditory Acuity 10.2% Genitourinary System 2.7% 

 Neurological Conditions 8.0% Eye 1.6% 

 Mental Disorders 6.7% Infectious Diseases, Immune Disorders, Nutritional 

 Deficiencies 0.6% 

 Digestive System 6.2% Gynecological System 0.6% 

 Cardiovascular System 6.1% Dental and Oral Conditions 0.4% 

 Respiratory System 4.6% Hemic and Lymphatic System 0.3% 

PERCENTAGE OF INDIVIDUAL SERVICE-CONNECTED DISABILITIES BY BODY SYSTEM FOR

 VETERANS RECEIVING COMPENSATION END OF FISCAL YEAR 2004 
C Page 25 OMPENSATION AND PENSION Page 25 

For comparison, the following table and chart provide combined percent information by body system for veterans receiving compensation at the end of fiscal years 2000-2004. 

INDIVIDUAL SERVICE-CONNECTED DISABILITIES BY BODY SYSTEM FOR VETERANS

 RECEIVING COMPENSATION — END OF FISCAL YEAR

Body System 2000 2001 2002 2003 2004 

Musculosketal System 2,346,864 2,412,412 2,524,243 2,652,380 2,786,986 

Skin 722,474 731,378 750,407 770,083 778,521 

Impairment of Auditory Acuity 505,298 530,931 587,524 665,419 742,211 

Neurological Conditions 322,904 331,653 369,377 422,448 581,442 

Mental Disorders 409,071 414,679 433,618 463,223 488,333 

Digestive System 432,920 434,606 440,931 448,128 452,307 

Cardiovascular System 348,645 357,259 385,924 419,039 442,640 

Respiratory System 298,789 303,890 314,021 325,106 334,866 

Endocrine System 58,719 68,040 134,905 185,908 217,126 

Genitourindary System 141,583 145,938 161,387 180,785 196,268 

Eye 104,050 104,472 108,407 113,553 117,256 

Infectious Diseases, Immune Disorders, 

Nutritional Deficiencies 47,980 46,714 46,586 46,576 46,045 

Gynecological System 34,547 36,667 39,325 41,905 44,156 

Dental and Oral Conditions 26,798 27,572 28,924 30,171 31,114 

Hemic and Lymphatic System 21,153 21,471 22,216 23,122 24,996 

TOTAL 5,821,795 5,967,682 6,347,795 6,787,857 7,284,267 

 Musculoskeletal System 18.8% 

 Skin 7.8% Endocrine System 269.8% 

 Impairment of Auditory Acuity 46.9% Genitourinary System 38.6% 

 Neurological Conditions 80.1% Eye 12.7% 

 Mental Disorders 19.4% Infectious Diseases, Immune Disorders, 

 Nutritional Deficiencies -4.0% 

 Digestive System 4.5% Gynecological System 27.8% 

 Cardiovascular System 27.0% Dental and Oral Conditions 16.1% 

 Respiratory System 12.1% Hemic and Lymphatic System 18.2% 

PERCENTAGE CHANGE OF INDIVIDUAL SERVICE-CONNECTED DISABILITIES BY BODY SYSTEM FOR 

VETERANS RECEIVING COMPENSATION BETWEEN 2000 AND 2004 
Page 26 VETERANS BENEFITS ADMINISTRATION 

The following two tables identify the total number of individual service-connected disabilities grouped by body systems. The 

percentages reflect the proportional amount that each rating represents for that body system. Total conditions similarly reflect 

the proportional amount for each rating group of all body systems, e.g. 39.5% of the total service-connected disabilities are 

rated at 10%. 

Rating Musculoskeletal 

System Skin Auditory Neurological Conditions 

Mental 

Disorders 

Digestive 

System 

Cardiovascular 

System 

Respiratory 

System 

 0% 688,133 24.7% 505,231 64.9% 319,860 43.1% 70,323 12.1% 16,341 3.3% 254,268 56.2% 63,116 14.3% 151,961 45.4% 

 10% 1,348,627 48.4% 235,001 30.2% 350,210 47.2% 286,013 49.2% 91,680 18.8% 124,897 27.6% 209,259 47.3% 99,933 29.8% 

 20% 400,113 14.4% 5,073 0.7% 22,906 3.1% 82,087 14.1% 334 0.1% 28,224 6.2% 42,044 9.5% 7,407 2.2% 

 30% 150,518 5.4% 25,431 3.3% 15,477 2.1% 61,351 10.6% 109,213 22.4% 22,011 4.9% 70,631 16.0% 42,008 12.5% 

 40% 104,261 3.7% 2,047 0.3% 12,270 1.7% 33,786 5.8% 191 0.0% 8,109 1.8% 10,124 2.3% 1,750 0.5% 

 50% 19,673 0.7% 3,892 0.5% 6,277 0.8% 14,187 2.4% 82,844 17.0% 915 0.2% 1,806 0.4% 9,196 2.7% 

 60% 50,072 1.8% 1,252 0.2% 4,227 0.6% 12,113 2.1% 168 0.0% 5,926 1.3% 29,397 6.6% 11,723 3.5% 

 70% 4,442 0.2% 42 0.0% 2,231 0.3% 3,636 0.6% 74,596 15.3% 160 0.0% 256 0.1% 184 0.1% 

 80% 1,794 0.1% 350 0.0% 2,439 0.3% 3,361 0.6% 45 0.0% 120 0.0% 141 0.0% 302 0.1% 

 90% 1,086 0.0% 5 0.0% 870 0.1% 542 0.1% 4 0.0% 0 0.0% 12 0.0% 3 0.0% 

100% 18,267 0.7% 197 0.0% 5,442 0.7% 14,043 2.4% 112,917 23.1% 7,677 1.7% 15,854 3.6% 10,399 3.1% 

TOTAL 2,786,986 38.3% 778,521 10.7% 742,209 10.2% 581,442 8.0% 488,333 6.7% 452,307 6.2% 442,640 6.1% 334,866 4.6% 

INDIVIDUAL SERVICE-CONNECTED DISABILITIES BY PERCENT AND BODY SYSTEM 

FOR VETERANS RECEIVING COMPENSATION END OF FISCAL YEAR 2004

Source: Information derived from VBA Data Warehouse using C&P Master Record data as of September 30, 2004. 
C Page 27 OMPENSATION AND PENSION Page 27 

 Endocrine 

System 

Genitourinary 

System Eye 

Infectious 

Diseases, 

Immune 

Disorders, and 

 Nutritional 

Deficiencies 

Gynecological 

Conditions 

Dental and 

Oral 

Conditions 

Hemic and 

Lymphatic 

Systems 

Total 

All Conditions 

 0% 7,283 3.4% 96,353 49.1% 37,541 32.0% 36,294 78.8% 15,386 34.8% 16,929 54.4% 6,966 27.9% 2,285,987 31.4% 

 10% 45,440 20.9% 33,082 16.9% 32,729 27.9% 3,570 7.8% 6,794 15.4% 9,421 30.3% 2,014 8.1% 2,878,670 39.5% 

 20% 138,677 63.9% 15,708 8.0% 6,403 5.5% 783 1.7% 151 0.3% 2,604 8.4% 1,532 6.1% 754,046 10.4% 

 30% 3,279 1.5% 16,771 8.5% 25,200 21.5% 1,788 3.9% 11,033 25.0% 1,475 4.7% 9,335 37.3% 565,521 7.8% 

 40% 14,264 6.6% 7,501 3.8% 6,910 5.9% 393 0.9% 434 1.0% 425 1.4% 259 1.0% 202,724 2.8% 

 50% 126 0.1% 38 0.0% 1,672 1.4% 73 0.2% 10,021 22.7% 190 0.6% 31 0.1% 150,941 2.1% 

 60% 4,800 2.2% 11,768 6.0% 1,148 1.0% 1,775 3.9% 100 0.2% 10 0.0% 507 2.0% 134,986 1.9% 

 70% 54 0.0% 8 0.0% 1,318 1.1% 20 0.0% 4 0.0% 5 0.0% 173 0.7% 87,129 1.2% 

 80% 80 0.0% 1,040 0.5% 147 0.1% 75 0.2% 24 0.1% 3 0.0% 7 0.0% 9,928 0.1% 

 90% 25 0.0% 0 0.0% 576 0.5% 2 0.0% 0 0.0% 2 0.0% 0 0.0% 3,127 0.0% 

100% 3,098 1.4% 13,999 7.1% 3,612 3.1% 1,272 2.8% 209 0.5% 50 0.2% 4,172 16.7% 211,208 2.9% 

TOTAL 217,126 3.0% 196,268 2.7% 117,256 1.6% 46,045 0.6% 44,156 0.6% 31,114 0.4% 24,996 0.3% 7,284,267 100.0% 

INDIVIDUAL SERVICE-CONNECTED DISABILITIES BY PERCENT AND BODY SYSTEM

FOR VETERANS RECEIVING COMPENSATION END OF FISCAL YEAR 2004 

Source: Information derived from VBA Data Warehouse using C&P Master Record data as of September 30, 2004. 
Page 28 VETERANS BENEFITS ADMINISTRATION 

MOST PREVALENT SERVICE-CONNECTED DISABILITIES

This section identifies the most common service-connected disabilities (conditions) at the end of FY 2004. 

BY BODY SYSTEMS

The following tables identify the three most prevalent individual conditions for each of the body systems, in descending order of 

frequency. The “Body System Total (%)” column indicates the percentage of service-connected disabilities within each body 

system.

Body System 

and Disability 

Total 

 Number 

Body 

 System 

Total (%) 

Body System 

and Disability 

Total 

 Number 

Body 

 System 

Total (%) 

Musculoskeletal System Endocrine System 

Generalized Skeletal conditions 289,766 10.4% Diabetes Mellitus 191,649 88.3% 

Arthritis, Due to Trauma 256,362 9.2% Hypothyroidism 12,510 5.8% 

Other impairment of knee 233,898 8.4% Hyperthyroidism 4,947 2.3% 

Skin Genitourinary System 

Scars, other 285,349 36.7% Generalized, Genitourinary System 36,210 18.4% 

Scars, disfiguring, head, face or neck 96,744 12.4% Malignant neoplasms of the genitourinary 28,317 14.4% 

Scars, superficial, tender and painful 94,566 12.1% 

Prostate gland injuries, infections, hypertrophy, post-operative residuals 27,545 14.0% 

Auditory Eye 

Defective hearing 298,894 40.3% Defective visual acuity 23,982 20.5% 

Tinnitus 289,159 39.0% Generalized, eye conditions 13,531 11.5% 

Hearing loss 85,371 11.5% Conjunctivitis, other, chronic 8,784 7.5% 

Mental Disorders Infectious Diseases, Immune 

Disorders, and Nutritional Deficiencies 

Post-Traumatic Stress Disorder 217,893 44.6% Malaria 31,987 69.4% 

Generalized anxiety disorder 67,037 13.7% 

Generalized, Infectious Diseases, Immune 

Disorder and Nutritional Deficiencies 3,041 6.6% 

Schizophrenia, Paranoid type 32,305 6.6% HIV-Related illness 2,775 6.0% 

Digestive System Gynecological Conditions 

Hemorrhoids, external or internal 124,850 27.6% Uterus and Ovaries, Removal of, Com- 8,963 20.3% 

Duodenal ulcer 54,807 12.1% Uterus removal of, including corpus 8,877 20.1% 

Hernia, inguinal 49,691 11.0% Generalized, Gynecological Conditions 6,228 14.1% 

Neurological Conditions Dental and Oral Conditions 

Migraine 62,394 10.7% Temporomandibular articulation, limited 11,466 36.9% 

Paralysis of sciatic nerve 53,203 9.2% Generalized, Dental and Oral Conditions 8,006 25.7% 

Paralysis of the median nerve 42,465 7.3% Mandible, malunion of 6,575 21.1% 

Cardiovascular System Hemic and Lymphatic Systems 

Hypertensive vascular disease (essential 179,994 40.7% Splenectomy 7,012 28.1% 

Frozen Feet, Residuals of (immersion foot) 67,563 15.3% Hemic and Lymphatic Systems 4,140 16.6% 

Arteriosclerotic Heart Disease 51,337 11.6% Non-Hodgkin's Lymphoma 3,926 15.7% 

Respiratory System 

Asthma, bronchial 52,400 15.6% 

Sinusitis, maxillary, chronic 36,193 10.8% 

Septum, nasal, deflection of 26,577 7.9% 

Source: Information derived from VBA Data Warehouse using C&P Master Record data as of September 30, 2004. 
C Page 29 OMPENSATION AND PENSION Page 29 

BY THE 10 MOST PREVALENT DISABILITIES

The following table identifies the 10 most prevalent service-connected conditions (disabilities) for veterans 

receiving compensation at the end of FY 2004. 

The “All Conditions” column shows the proportion of that condition relative to all 7,284,267 service-connected 

disabilities. These ten disabilities represent 33.2% of service-connected disabilities. 

BODY SYSTEM DISABILITY TOTAL ALL CONDITIONS

 (PERCENT OF TOTAL ) 

Auditory Defective hearing 298,894 4.1% 

Musculoskeletal System Generalized, Musculoskeletal 289,766 4.0% 

Auditory Tinnitus 289,159 4.0% 

Skin Scars, other 285,349 3.9% 

Musculoskeletal System Arthritis, Due to Trauma, 

substantiated by x-ray findings 256,362 3.5% 

Musculoskeletal System Other impairment of knee 233,898 3.2% 

Mental Disorders Post-Traumatic Stress Disorder 217,893 3.0% 

Endocrine System Diabetes Mellitus 191,649 2.6% 

Cardiovascular System Hypertensive vascular disease 

(essential arterial hypertension) 179,994 

2.5% 

Musculoskeletal System Lumbo-sacral strain 178,423 2.4% 

MOST PREVALENT DISABILITIES FOR VETERANS RECEIVING COMPENSATION

 END OF FISCAL YEAR 2004 

Source: Benefits Delivery Network–RCS 20-0227 
Page 30 VETERANS BENEFITS ADMINISTRATION 

BY PERIOD OF SERVICE

The table in this section shows the 10 most prevalent service-connected disabilities for veterans of World War II, 

Korea, Vietnam, the Gulf War Era, and the various Peacetime periods. 

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2004 

PERIOD 

OF SERVICE DISABILITY

NUMBER 

OF DISABILITIES

WWII } 

Frozen Feet, Residuals of (immersion foot) 38,457 

Defective hearing 36,805 

Generalized anxiety disorder 35,444 

Scars, other 33,758 

Tinnitus 29,352 

Osteomyelitis, acute, sub-acute, or chronic 26,417 

Post-Traumatic Stress Disorder 25,061 

Flatfoot, acquired 16,947 

Scars, superficial, poorly nourished 16,931 

Korea } 

Defective hearing 21,102 

Tinnitus 18,591 

Frozen Feet, Residuals of (immersion foot) 18,065 

Scars, other 16,140 

Osteomyelitis, acute, sub-acute, or chronic 10,054 

Post-Traumatic Stress Disorder 10,016 

Duodenal ulcer 7,208 

Scars, superficial, poorly nourished 7,184 

Scars, superficial, tender and painful 5,942 

Generalized Skeletal Conditions 5,838 

Vietnam } 

Diabetes Mellitus 163,485 

Post-Traumatic Stress Disorder 161,028 

Scars, other 123,858 

Defective hearing 112,450 

Tinnitus 102,883 

Scars, disfiguring, head, face, or neck 12,931 
C Page 31 OMPENSATION AND PENSION Page 31 

Sources: Benefits Delivery Network–RCS 20-0227 and RCS 20-0221 

MOST PREVALENT DISABILITIES BY PERIOD OF SERVICE AT THE END OF FISCAL YEAR 2004 

PERIOD 

OF SERVICE DISABILITY NUMBER OF DISABILITIES

Vietnam } 

Generalized Skeletal Conditions 79,800 

Hypertensive vascular disease 69,275 

Osteomyelitis, acute, sub acute, or chronic 66,439 

Knee, other impairment of 64,031 

Arthritis, Degenerative, Hypertrophic or Osteoarthritis 53,818 

Peacetime } 

Knee, other impairment of 78,937 

Generalized Skeletal Conditions 78,926 

Osteomyelitis, acute, sub acute, or chronic 65,549 

Defective hearing 58,791 

Scars, other 55,546 

Tinnitus 54,167 

Lumbo-sacral strain 50,406 

Hypertensive vascular disease 50,170 

Intervertebral disc syndrome 41,965 

Arthritis, Degenerative, Hypertrophic or Osteoarthritis 39,566 

Gulf War } 

Generalized Skeletal Conditions 117,608 

Osteomyelitis, acute, sub acute, or chronic 87,902 

Tinnitus 84,164 

Knee, other impairment of 76,944 

Lumbo-sacral strain 69,257 

Hypertensive vascular disease 56,451 

Scars, other 56,047 

Defective hearing 52,695 

Intervertebral disc syndrome 50,539 

Arthritis, Degenerative, Hypertrophic or Osteoarthritis 47,555 
Page 32 VETERANS BENEFITS ADMINISTRATION 

DISABILITIES AT THE END OF FISCAL YEAR 2004 BY PERIOD OF SERVICE

PERIOD OF SERVICE WORLD WAR II KOREA VIETNAM GULF WAR ERA

PEACETIME 

PERIODS

Total Number 

of Disabilities 777,709 353,245 2,594,022 1,994,123 1,565,130 

Average Number of 

Disabilities per Veteran 2.02 2.15 2.94 3.72 2.66 

Total Number of Diagnostic 

Codes for Period of 

 Service 847 821 862 848 864 

Veterans by Period of 

Service with Compensation 385,493 163,635 883,092 536,134 587,331 

Total Veteran Population by 

Period of Service 1 3,984,155 3,423,275 8,122,471 3,997,393 6,312,386 

VA Office of Policy & Planning for Veteran Population as of September 30, 2004 

1 THIS SUM INCLUDES VETERANS WHOSE SERVICE IS ACROSS MULTIPLE PERIODS OF SERVICE.
C Page 33 OMPENSATION AND PENSION Page 33 

Sources: CP-127 and RCS-20-0221 

COMPENSATION BASED UPON SERVICE-CONNECTED DEATH

NUMBER OF BENEFICIARIES RECEIVING DEPENDENCY AND INDEMNITY COMPENSATION / DEATH COMPENSATION BENEFITS

AT THE END OF FISCAL YEAR 2004 

This table shows the number of beneficiaries receiving Dependency and Indemnity Compensation or Death Compensation benefits at the end of FY 2004, an estimate of the total annual payment to beneficiaries, and the estimated average annual payment to each beneficiary. 

BENEFICIARIES RECEIVING SERVICE-CONNECTED DEATH BENEFITS 

END OF FISCAL YEAR 2004 

TYPE 

OF BENEFIT

NUMBER

OF PAYEES

ESTIMATED 

ANNUAL AMOUNT

AVERAGE ANNUAL

AMOUNT

DIC–Surviving 

Spouses 304,128 $3,791,505,960 $ 12,467 

DIC–Surviving 

Children 12,235 $70,809,818 $ 5,787 

DIC–Surviving 

Parents 6,971 $17,107,671 $ 2,454 

Death Compensation 685 $727,928 $ 1,063 

TOTAL 324,019 $3,880,151,377 $ 11,975 

Five Year Comparison of Beneficiaries Receiving

 DIC End of Fiscal Year

288,145

290,100

293,820

299,065

304,128

12,877

12,516

12,517

12,481

12,235

10,413

9,384

8,218

7,556

6,971

270,000 280,000 290,000 300,000 310,000 320,000 330,000

2000

2001

2002

2003

2004

Spouses Children Parents
Page 34 VETERANS BENEFITS ADMINISTRATION 

ALL DIC AND DEATH COMPENSATION BENEFICIARIES

This section provides demographic characteristics of beneficiaries receiving Dependency and Indemnity Compensation (DIC) or Death Compensation benefits at the end of FY 2004. 

BY THE VETERAN’S PERIOD OF SERVICE 

The following table shows total beneficiaries receiving DIC and Death Compensation sorted by the veteran’s period 

of service. Also shown are the estimated total annual payments by period of service and program. 

BENEFICIARIES RECEIVING SERVICE-CONNECTED DEATH BENEFITS BY PERIOD OF SERVICE 

END OF FISCAL YEAR 2004 

PERIOD OF SERVICE NUMBER OF BENEFICIARIES ESTIMATED ANNUAL

AMOUNT

Death Compensation 

World War II 233 $261,519 

Korean 395 $407,692 

Vietnam 2 $1,800 

Peacetime 55 $56,917 

DEPENDENCY AND INDEMNITY COMPENSATION (DIC) 

World War I 1,141 $16,101,958 

World War II 106,782 $1,309,744,003 

Korean 36,162 $442,156,342 

Vietnam 126,911 $1,519,154,974 

Gulf War Era 14,980 $145,723,940 

Peacetime 37,345 $446,383,411 

SUMMARY 

Death Compensation 685 $727,928 

DIC 323,334 $3,879,423,449 

Spanish American War 11 $158,821 

TOTAL 324,019 $3,880,151,377 

Sources: RCS 20-0221 and COIN CP-127 
C Page 35 OMPENSATION AND PENSION Page 35 

BY RELATIONSHIP TO THE VETERAN

This table shows the distribution of DIC 

beneficiaries based upon relationship to 

the veteran – surviving spouse, child, or 

dependent parent. 

BENEFICIARIES RECEIVING DIC BY RELATIONSHIP

 END OF FISCAL YEAR 2004 

Number Percent 

Surviving Spouse 304,128 94.1% 

Child 12,235 3.8% 

Parent 6,971 2.1% 

323,334 100% 

Source: Benefits Delivery Network–COIN CP-127 

BY AGE OF THE SURVIVING

SPOUSE

The age distribution of surviving 

spouses in receipt of DIC and an 

estimate of the total annual payments in the next fiscal year, by 

age group, is presented in the 

table to the right. The chart below depicts the proportional representation of each group. 

AGE NUMBER ESTIMATED ANNUAL PAYMENT

Under Age 35 2,707 $33,970,045 

36-55 34,287 $427,424,212 

56-75 122,440 $1,526,345,869 

Over 75 144,694 $1,803,765,833 

TOTAL 304,128 $3,791,505,960 

SURVIVING SPOUSES RECEIVING DIC BY AGE 

END OF FISCAL YEAR 2004

Source: COIN CP-127 and RCS 20-0221 

2,707

34,287

122,440

144,694

Under Age 35

36-55

56-75

Over 75

Surviving Spouses Receiving DIC by Age
Page 36 VETERANS BENEFITS ADMINISTRATION 

BY AGE OF THE CHILDREN

This table shows the distribution of DIC children in two age categories: under age 18 and age 18 and over . 

Children age 18 and over are shown according to their beneficiary status: those eligible to receive DIC because of school attendance and those eligible because they are helpless. 

CHILDREN RECEIVING DIC BY AGE END OF FISCAL YEAR 2004 

AGE NUMBER ESTIMATED ANNUAL PAYMENT

Under Age 18 4,291 $24,834,077 

Age 18 and Over in School 734 $4,248,010 

Age 18 and Over and 

 Helpless 7,210 $41,727,731 

TOTAL 12,235 $70,809,818 

Source: COIN CP-127

VETERANS RECEIVING DISABILITY PENSION

AT THE END OF FISCAL YEAR 2004 

PENSION BASED UPON NON SERVICE-CONNECTED DISABILITY

NUMBER OF VETERANS RECEIVING DISABILITY PENSION

The numbers of veterans receiving disability pension at the end of FY 2004 are shown in the table below, along with 

the estimated total annual amounts. 

VETERANS RECEIVING DISABILITY PENSION BY PROGRAM

END OF FSCAL YEAR 2004 

TYPE OF PENSION NUMBER OF VETERANS ESTIMATED ANNUAL AMOUNT

Protected (Old Law) Pension 160 $166,645 

Section 306 Pension 11,976 $19,220,339 

PL 95-588 New Law Pension 330,767 $2,427,340,384 

TOTAL 342,903 $2,446,727,368 

Source: RCS-20-0221 
C Page 37 OMPENSATION AND PENSION Page 37 

The following chart provides information about the number of veterans receiving disability pension at the end of 

 fiscal years 2000 – 2004. 

BY AGE

The number and annual amount of disability pension payments for each age group are shown in the table below. 

The average age of a veteran in these programs is 68.4 years. 

VETERANS RECEIVING DISABILITY PENSION 

BY AGE END OF FISCAL YEAR 2004 

 AGE OTHER

 PENSION

NEW LAW 

PENSION

ALL PENSION 

PROGRAMS

ESTIMATED ANNUAL 

PAYMENTS

<45 

0 3,447 3,447 $31,891,644 

45-54 171 57,899 58,070 $524,952,800 

55-69 1,012 96,562 97,574 $821,767,228 

>85 2,985 29,312 32,297 $215,389,379 

TOTAL 12,136 330,767 342,903 $2,446,727,368 

70-84 7,968 143,547 151,515 $852,726,317 

Sources: RCS 20-0236 and RCS 20-0221. 

Five Year Comparison of Veterans Receiving Disability Pension

FY 2003 346,555

FY 2002 346,579

FY 2001 348,052

FY 2000 364,220

FY 2004 342,903

300,000 310,000 320,000 330,000 340,000 350,000 360,000 370,000
Page 38 VETERANS BENEFITS ADMINISTRATION 

PERIOD OF SERVICE 

 

OTHER PENSION

NUMBER OF VETERANS

NEW LAW PENSION

NUMBER OF VETERANS

TOTAL 

PERIOD OF SERVICE

ESTIMATE ANNUAL 

PAYMENTS

World War I 2 13 15 $ 233,634 

World War II 8,218 112,688 120,906 743,721,304 

Korean War 3,073 69,920 72,993 407,794,229 

Vietnam Era 843 144,087 144,930 1,261,258,070 

Gulf War Era 0 4,059 4,059 33,720,131 

TOTAL 12,136 330,767 342,903 $ 2,446,727,368 

DISABILITY PENSION BY PERIOD OF SERVICE END OF FISCAL YEAR 2004 

Source: Benefits Delivery Network–RCS 20-0221 

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

BY PERIOD OF SERVICE

The next table provides a distribution by period of service for those veterans receiving disability pension at the end 

of FY 2004. The total annual amount of disability pension payments for each period of service is shown in the last 

column of the table. 

This chart shows the number of veterans receiving Pension, as a percentage, by their period of service. 

Pension by Period of Service

Korea, 21.3% World War II, 35.3%

Vietnam, 42.3%

Gulf War Era 1.2%

World War I 0.004%
C Page 39 OMPENSATION AND PENSION Page 39 

PENSION BASED UPON NON SERVICE-CONNECTED DEATH

NUMBER OF BENEFICIARIES RECEIVING

DEATH PENSION

The number of beneficiaries receiving death pension at the end of FY 2004 and the estimated 

annual amounts are presented in the table to the 

left. Beneficiaries include surviving spouses and 

children. 

BENEFICIARIES RECEIVING DEATH PENSION

BY PROGRAM END OF FISCAL YEAR 2004 

TYPE OF PENSION

NUMBER OF

BENEFICIARIES

ESTIMATED ANNUAL

AMOUNT 

Protected (Old Law) Pension 516 $ 431,935 

Section 306 Pension 48,750 $ 54,951,700 

PL 95-588 New Law Pension 165,987 $ 613,512,602 

TOTAL 215,253 $ 668,896,237 

Source: Benefits Delivery Network–RCS 20-0221 

The following chart provides information about the number of beneficiaries receiving death pension at the end of 

fiscal years 2000 – 2004. 

BENEFICIARIES RECEIVING DEATH PENSIONS END

OF FISCAL YEARS 2000 - 2004 

FY 2000 257,106 

FY 2001 241,467 

FY 2002 230,267 

FY 2003 223,553 

FY 2004 215,253 
Page 40 VETERANS BENEFITS ADMINISTRATION 

BENEFICIARIES RECEIVING DEATH PENSION AT THE END OF FISCAL YEAR 2004 

BY AGE OF SURVIVING SPOUSES

This table shows the distribution by age among surviving spouses. The total annual amount of death pension 

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

SURVIVING SPOUSES RECEIVING DEATH PENSION 

BY AGE END OF FISCAL YEAR 2004 

 AGE OTHER 

PENSION

NEW LAW 

PENSION

ALL PENSION

 PROGRAMS

ESTIMATED ANNUAL 

PAYMENT

Under 35 6 287 293 $1,091,981 

35-55 245 16,622 16,867 $63,207,821 

56-75 4,879 58,843 63,722 $228,337,102 

Over 75 33,536 85,196 118,732 $360,652,066 

TOTAL 38,666 160,948 199,614 $653,288,969 

Source: Benefits Delivery Network– Case calculations use COIN CP-103; dollar calculations are derived using ratios from the COIN CP 103 then 

applied to RCS 20-0221 financial data. 

The “Other Pension” category groups the two older pension programs Protected Pension or Old Law and Section 306 Pension into one. 
C Page 41 OMPENSATION AND PENSION Page 41 

BY PERIOD OF SERVICE

PERIOD OF SERVICE OTHER PENSION

NUMBER OF BENEFICIARIES

NEW LAW PENSION

NUMBER OF BENEFICIARIES

TOTAL 

PERIOD OF SERVICE

ESTIMATED ANNUAL

PAYMENTS

Wars of 1800s 236 199 435 $ 1,306,137 

World War I 7,095 7,453 14,548 $ 37,038,134 

World War II 37,964 113,979 151,943 $ 418,300,311 

Korean 3,376 24,957 28,333 $ 100,782,837 

Vietnam Era 595 19,154 19,749 $ 110,131,557 

Gulf War Era 0 245 245 $ 1,337,261 

TOTAL 49,266 165,987 215,253 $ 668,896,237 

DEATH PENSION BY PERIOD OF SERVICE END OF FISCAL YEAR 2004 

Source: Benefits Delivery Network–RCS 20-0221 

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, Indian Wars, Mexican Border Era, and Spanish-American War. 

Non Service-Connected Death Pension by Period of Service

World War II Korea

World War I Gulf War Era

Vietnam

Wars of 1800s
Page 42 VETERANS BENEFITS ADMINISTRATION 

ALL-VOLUNTEER FORCE EDUCATIONAL ASSISTANCE PROGRAM

 (MONTGOMERY GI BILL - ACTIVE DUTY) 

Montgomery GI Bill – Active Duty (MGIB-AD) is a contributory program. The service member’s pay is automatically 

reduced by $100 per month for the first 12 months of active duty unless the service member declines to participate 

at the time of enlistment. 

Requirements and features of MGIB-AD are as follows: 

 First entered active duty 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 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

EDUCATION 

VA Education programs provide veterans, service members, 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. 

There are four 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), 

Survivors’ and Dependents’ Educational Assistance (Dependents Educational Assistance - DEA), and Post-Vietnam 

Era Veterans’ Educational Assistance Program (VEAP). 
EDUCATION Page 43 

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 to this program. 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. 

SURVIVORS’ AND DEPENDENTS’ EDUCATIONAL ASSISTANCE 

(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 have 10 years in which to use benefits; and, 

 A spouse's remarriage bars further benefits,

 1 while a child's marriage does not.

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

or divorce. Public Law 108-183 lifts the bar to receipt of benefits if the surviving spouse is 57 years old or older on the date of the 

remarriage 
Page 44 VETERANS BENEFITS ADMINISTRATION 

POST-VIETNAM ERA VETERANS’ EDUCATIONAL ASSISTANCE PROGRAM (VEAP) 

VEAP was the first GI Bill program that required a contribution by the service member. Requirements and features of 

VEAP are as follows: 

 First entered on active duty after December 31, 1976, and before July 1, 1985; 

 Contributed to VEAP while on active duty and before April 1, 1987; 

 Maximum contribution of $2,700 by the service member; 

 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. 

EDUCATION BENEFICIARIES DURING FISCAL YEAR 2004 

The following table shows the number of veterans, service members, reservists, and dependents that began receiving 

their education benefits for the first time as well as the total number of beneficiaries and payments made during the 

fiscal year. 

PROGRAM NEW 

BENEFICIARIES

TOTAL

BENEFICIARIES

TOTAL PAYMENTS

($000) 

MGIB-AD 76,496 332,031 $1,839,726 

MGIB-SR 20,193 88,650 $183,920 

DEA 11,624 68,920 $403,360 

VEAP 175 796 $1,331 

TOTAL 108,488 490,397 $2,428,337 

Source: Education Service SAS Reports 
EDUCATION Page 45 

The data on this page show the number of beneficiaries who first received benefits for fiscal years 2000 through 

2004 for each of the educational programs as well as the total number of beneficiaries that received benefits during these time frames. 

The general trend in the number of new beneficiaries for the MGIB-AD program continues to increase. The 

MGIB-SR and DEA programs experienced a decline in FY 2004. The MGIB-SR program had a slight decline in 

the number of new beneficiaries, but still had a modest increase in the total number of students over the last two 

years. 

The total number of students trained reflects an increase in three of the four programs. MGIB-AD had the largest 

increase in the number of beneficiaries. The VEAP program continues to maintain a steady decrease in the total 

number of students, and we expect this trend to continue as the program sunsets. 

PROGRAM 2000 2001 2002 2003 2004 

NEW BENEFICIARIES

 MGIB - AD 63,123 67,621 72,566 73,270 76,496 

 MGIB - SR 12,337 22,469 29,802 21,055 20,193 

 DEA 5,763 6,328 14,964 16,728 11,624 

 VEAP 1,764 261 174 222 175 

TOTAL EDUCATION BENEFICIARIES

 MGIB - AD 279,948 289,771 323,165 321,837 332,031 

 MGIB - SR 70,299 82,283 85,766 88,342 88,650 

 DEA 44,820 46,917 53,888 61,874 68,920 

VEAP 2,522 1,680 1,340 917 796 
Page 46 VETERANS BENEFITS ADMINISTRATION 

The following chart shows the distribution, by program, types of training and training time for those beneficiaries 

who began using their education benefit for the first time during FY 2004. The type of training has remained 

fairly consistent for all four programs with the majority of trainees pursuing under-graduate programs of study. 

CHARACTERISTICS OF THE TRAINING BEING PURSUED BY BENEFICIARIES

Source: COIN CP-145 

TYPE OF 

EDUCATION 

PROGRAM

 MGIB-AD1 MGIB-SR DEA2 VEAP TOTAL

 PARTICIPATION

FOR ALL 

PROGRAMS (%) 

TRAINING

College, Non-Degree 2,623 394 412 8 3,437 3.2% 

Graduate 3,318 608 311 34 4,271 3.9% 

Undergraduate 64,674 18,546 9,904 119 93,243 86.1% 

Vocational/Technical 5,881 645 851 14 7,391 6.8% 

TOTAL 76,496 20,193 11,624 175 108,342 100% 

TIME (as percent of all training) 

Less Than One-Half 4.6% 3.5% 4.0% 16.6% 4.4% 

Half Time 12.9% 9.6% 9.7% 29.1% 12.0% 

Three-Quarter Time 11.0% 10.7% 10.2% 8.0% 10.8% 

Full-Time 71.5% 76.2% 76.1% 46.3% 72.8% 

TOTAL 100.0% 100.0% 100.0% 100.0% 100.0% 

Source: Education Service SAS Reports 1 MGIB AD Includes Peacetime Veterans and Servicemembers 

2 DEA Total also includes 146 Students in Miscellaneous Programs. This datum is not distributed among the training 

programs but is added to the 11,478 students for the DEA program. 
EDUCATION Page 47 

BENEFICIARIES LEAVING EDUCATION PROGRAMS DURING FISCAL YEAR 2004 

Educational assistance generally ends for one of two reasons: entitlement is exhausted or the delimiting date (i.e., the deadline for using the benefit) is reached. 

ENTITLEMENT EXHAUSTED: Veterans, service members and reservists are generally entitled to 36 months of educational assistance (entitlement). Dependents are entitled to 45 months of educational assistance. Once 36 or 45 months of educational assistance are used, payment of the benefit ends. 

DELIMITING DATE: Dependents have a defined amount of time 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 that 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. 

The tables and charts below and on the next page present FY 2004 data regarding terminations as well as five year statistics 

by program on terminations. The number of beneficiaries leaving all programs has increased slightly over the last three 

years. In the MGIB-AD program, beneficiaries have left due to entitlement exhaustion rather than passing their delimiting 

date. Due to a change extending the delimiting date for MGIB-SR, from 10 to 14 years, there has been an increase in the 

percentage of beneficiaries exhausting their entitlement rather than passing their delimiting date. 

BENEFICIARIES BENEFITS TERMINATED IN FY 2004 

PROGRAM MGIB-AD MGIB-SR DEA VEAP TOTAL 

Exhausted Entitlement 17,038 2,979 476 56 20,549 

Delimiting Date 6,368 67 205 34 6,674 

TOTAL 23,406 3,046 681 90 27,223 

Percent of Total Terminations 86.0% 11.2% 2.5% 0.3% 100% 

Source: Education Service SAS Reports 

FIVE FISCAL YEAR COMPARISON OF TERMINATED BENEFICIARIES BY PROGRAM 

FISCAL YEAR MGIB-AD MGIB-SR DEA VEAP TOTAL

2004 23,406 3,046 681 90 27,223 

2003 20,094 3,029 270 134 23,527 

2002 19,248 1,792 254 248 21,542 

2001 16,946 3,440 425 335 21,146 

2000 21,430 4,781 411 454 27,076 

TOTAL 101,124 16,088 2,041 1,261 120,514 
Page 48 VETERANS BENEFITS ADMINISTRATION 

Unique Trainees and Total Payments ($000) 

 2002 2003 2004 

Tuition Assistance Top-Up 30,427 $25,095 12,520 $12,592 11,786 $14,974 

License and Certification 

Tests 3,217 $1,490 3,382 $1,743 4,387 $1,819 

Accelerated Payment $2,818 $6,621 

NEW EDUCATION OPPORTUNITIES

Congress enacted four new ways for beneficiaries to use their benefits over the past few years. These four are 

Tuition Assistance Top-Up (TATU), Repayment for Licensure and Certification Tests, Accelerated Payments, and 

Transferability of MGIB benefits. 

Public Law 106-398, October 30, 2000 (amended by Public Law 107-14), established the TATU program and 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 significant decrease in the number of unique trainees in FY 2003 compared to FY 2002. We 

attribute this to a FY 2003 change in DOD policy that increased the level of tuition assistance paid from 75% to 

100% up to $250 per semester hour. There was a smaller decrease in FY 2004 compared to FY2003. 

Public Law 106-419, November 1, 2000, allowed beneficiaries to receive reimbursement for approved licensure 

and certification tests (up to $2,000 per test) taken on or after March 1, 2001. VA can only pay for the cost of the 

tests and not other fees connected with obtaining a license or certification. The number of unique individuals receiving reimbursement for licensure and certification tests increased by almost 30% in FY2004 compared to 

FY2003. 

Public Law 107-103, December 27, 2001, allows an accelerated payment for certain high cost, high tech programs 

for enrollment on or after October 1, 2002. To qualify, the beneficiary must be enrolled in a high tech program and 

must certify that he/she intends to seek employment in a high tech industry as defined by VA. The beneficiary 

receives a lump sum payment up to 60% of tuition and fees if the monthly amount exceeds an amount equal to 

200 percent of the monthly rate otherwise payable. The total dollars increased an estimated 135 percent 

in FY 2004 compared to FY 2003. 

One additional education opportunity was pursued by the U.S. Air Force which conducted a pilot test allowing 

qualifying Chapter 30 MGIB eligible members to transfer up to 18 months of entitlement to their spouses and or 

children. During FY 2004, 10 dependents received a total of $50,131 in benefits. 
INSURANCE Page 49 

MATURED LIFE INSURANCE PROGRAMS

These programs were established to provide the same or better life insurance benefits than were available to private citizens. These government life insurance programs are closed to the issuance of new 

coverage but continue to have active policies. 

DISABLED VETERANS LIFE INSURANCE

PROGRAMS

These programs were established to 

provide life insurance to veterans who 

lost their ability to purchase commercial 

life insurance at standard (healthy) 

rates because of their serviceconnected disabilities. These government life insurance programs continue 

to issue coverage. 

 

UNIFORMED SERVICES AND 

POST-VIETNAM VETERANS LIFE

INSURANCE PROGRAMS

These programs were established to provide active duty and reserve members of the uniformed services 

life insurance coverage that is commonly provided by large-scale civilian employers.

LIFE INSURANCE 

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

to members of the armed forces who are exposed to the extra hazards of military service, including 

deadly hazards of war. 

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 Veterans Life Insurance Programs. 
Page 50 VETERANS BENEFITS ADMINISTRATION 

Program Years Maximum 

Coverage 

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

 National Service Life Insurance (NSLI)1 1940-1951 $10,000 

 Veterans' Special Life Insurance (VSLI)1 1951-1956 $10,000 

 Veterans' Reopened Insurance (VRI)1 1965-1966 $10,000 

 Service-Disabled Veterans Insurance (SDVI)2 1951-present $10,000 

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

 Servicemembers' Group Life Insurance (SGLI) 1965-present $250,000 

 Servicemembers’ Group Life Insurance (SGLI) - Child Coverage 2001-present $10,000 

 Servicemembers’ Group Life Insurance (FSGLI) - Spouse Coverage 2001-present $100,000 

 Veterans' Group Life Insurance (VGLI) 1974-present $250,000 

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

insurance. 

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

Insurance programs highlighted in brown in the table 

above reflect Matured Insurance Programs. 

Insurance programs highlighted in red in the table above 

reflect Disabled Veterans’ Life Insurance Programs. 

Insurance programs highlighted in green in the table above 

reflect Uniformed Services and Post-Vietnam Veterans Life 

Insurance Programs. 

The “Years” column indicates the date policies were issued under each program. 
INSURANCE Page 51 

RANKING AMONG COMMERCIAL LIFE INSURANCE COMPANIES

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

is based on the total face value of active life insurance in effect. Rankings for 2004 are shown below. 

Definition: Face Value - Throughout this chapter, the term “face value” refers to the amount of money that would be 

paid upon the death of the veteran. For the USGLI, NSLI, VSLI, VRI, and SDVI programs, the maximum face value, 

upon application, is $10,000. The face value can exceed $10,000 for the NSLI, VSLI, and VRI programs if the policy 

contains Paid-Up Additional Life Insurance. In the SDVI program an additional 

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

maximum face value of the VMLI program is $90,000. The maximum face 

value for the SGLI and VGLI programs is $250,000. 

Paid-Up Additional Life Insurance - Policyholders in the NSLI, VSLI and VRI 

programs can purchase additional life insurance protection by electing to 

use their dividends to buy paid-up additional life insurance. Paid–up additional 

insurance has cash and loan values, and earns dividends which automatically 

purchase more paid-up life insurance coverage. 

2004 RANKINGS BY TOTAL LIFE INSURANCE IN-FORCE 

Rank Company Total Life Insurance 

 1 Metropolitan Life & Affiliated $3,422,754,000,000 

 2 Prudential of America Group $1,541,680,000,000 

 3 Swiss Reinsurance Group $1,224,109,000,000 

 4 ING Group $1,200,908,000,000 

 5 Aegon USA Inc $1,035,103,000,000 

 6 AIG Life Group $924,804,000,000 

 7 Lincoln National Corp $870,390,000,000 

 8 Hartford Life Inc $848,247,000,000 

 9 Northwestern Mutual Group $811,215,000,000 

10 VA Life Insurance Programs $748,786,000,000 

11 Genworth Financial Group $719,154,000,000 

12 UnumProvident Corp $711,916,000,000 

13 New York Life Group $702,014,000,000 

14 Citigroup $600,217,000,000 

15 State Farm Group $540,991,000,000 

Source: This information is based on year end 2003 data in the September 2004 Best’s Review. 2004 information will not 

be available until September 2005. 
Page 52 VETERANS BENEFITS ADMINISTRATION 

NEW LIFE INSURANCE COVERAGE ISSUED DURING FISCAL YEAR 2004 

LIFE

 INSURANCE

NUMBER OF

PEOPLE INSURED

TOTAL

COVERAGE AMOUNT

AVERAGE

FACE VALUE

MAXIMUM

FACE VALUE

 VMLI1 260 $21,040,647 $80,926 $90,000 

 SDVI2, 3 18,830 $207,222,000 $11,005 $10,000 

 VGLI4 29,426 $5,385,225,000 $183,009 $250,000 

 SGLI5 299,909 $70,330,435,923 $234,506 $250,000 

 SGLI6 - Child 170,749 $1,707,490,000 $10,000 $10,000 

 FSGLI6 - Spouse 148,500 $14,579,700,000 $98,180 $100,000 

TOTAL 667,674 $92,231,113,570 $138,138 

1 Source: VMLI Database – VMLI Quarterly Report 

 2 Source: Insurance Master Record Database – 510 Monthly Report 

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

 S-DVI policies (3,264) were issued 

 4 Source: COMPASS (COMprehensive Pension Administrative Support System) – OSGLI Monthly Report. VGLI data is for the 

policy year ending June 30, 2004 

 5 Estimates based upon accessions to Active Duty and Reserve forces in FY04. Data on accessions from Defense 

 Manpower Data Center 

 6 Source: DEERS and Military Pay Records 

COVERAGE ESTABLISHED DURING FISCAL YEAR 2004 

The table that follows identifies the number of new policies issued during FY 2004, 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 service member. The actual number of service members who enrolled 

in SGLI in FY 2004 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 FY 2004. The exact number of children 

covered by FSGLI is also an estimate. 

GOVERNMENT LIFE INSURANCE PROGRAMS IN WHICH NEW COVERAGE IS ISSUED
INSURANCE Page 53 

POLICY LAPSES DURING FISCAL YEAR 2004

POLICY LAPSES NUMBER1 FACE VALUE1 AVERAGE

 FACE VALUE

 NSLI 6,862 $43,231,434 $6,300 

 VSLI 459 $3,458,000 $7,534 

 VRI 209 $1,051,000 $5,029 

 SDVI 1,316 $13,714,000 $10,421 

TOTAL 8,846 $61,454,434 $6,947 1 Sources: Insurance Master Record Database - 510 Monthly Report

LAPSE RATE

0.5% 

0.2% 

0.3% 

0.8% 

0.5% 

POLICIES THAT LAPSED IN 2004 

Policies lapse primarily due to non-payment of premiums by policyholders. The following table provides 

data about policies that lapsed during FY 2004. 

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

of comparison. The significant increase in FY 2002 is due to the beginning of the FSGLI program. In that 

year, there were 3.1 million individuals who entered the FSGLI program. 

NEW LIFE INSURANCE COVERAGE ISSUED - COMPARATIVE INFORMATION FOR FIVE FISCAL YEARS

FY 2000 FY 2001 FY 2002 FY 2003 FY 2004 

Number of People 

Insured 285,765 394,572 3,484,460 621,225 667,674 

Total Coverage 

Amounts 

$50,426,291,177 $91,604,081,998 $206,252,183,507 $103,129,307,866 $92,231,113,570 

Average Face 

Values 

$176,461 $232,160 $59,192 $166,010 $138,138 

LUMP SUM PAYMENTS MADE DURING FISCAL YEAR 2004 – TO POLICYHOLDERS

The table on the next page provides 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
Page 54 VETERANS BENEFITS ADMINISTRATION 

DEFINITIONS: 

MATURED ENDOWMENT – The face amount of life insurance less any indebtedness that is paid to the insured based on 

the plan of life insurance. The proceeds may be paid as a lump sum or the insured may request installment payments. 

CASH SURRENDERS – A policyholder, upon request, receives the cash value that has accrued in his/her 

permanent plan policy, and in return surrenders all right, title, and interest to his/her basic and/or paid-up additional life 

insurance coverage amounts. 

DIVIDENDS – 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. 

LOANS – An amount borrowed against the cash value of a permanent plan life insurance policy. 

The tables below and on the next page provide data on the insurance payments for this year. 

LIFE INSURANCE PAYMENTS MADE DURING FISCAL YEAR 2004 

MATURED ENDOWMENT NUMBER1 AMOUNT2 AVERAGE PAYMENT

 USGLI 40 $193,931 $4,848 

 NSLI 841 $9,426,540 $11,209 

 VSLI 826 $9,276,377 $11,230 

 VRI 5 $20,817 $4,163 

 SDVI 200 $1,422,198 $7,111 

TOTAL 1,912 $20,339,863 $10,638 

CASH SURRENDER NUMBER1 AMOUNT2 AVERAGE PAYMENT

 USGLI 99 $239,482 $2,419

 NSLI 6,200 $38,237,556 $6,167

 VSLI 732 $3,552,232 $4,853

 VRI 409 $2,072,571 $5,067

 SDVI 728 $4,482,762 $6,158

TOTAL 8,168 $48,584,603 $5,948 1 Source: Insurance Master Record Database – Report 510 monthly 

2 Source: Insurance General Ledger Accounting System – CFO FY04 Life Insurance Statements (Incurred Basis) 
INSURANCE Page 55 

LIFE INSURANCE PAYMENTS MADE DURING FISCAL YEAR 2004 (CONTINUED) 

Dividends Number3 Amount4 Average Payment 

 USGLI 11,770 $1,864,751 $158 

 NSLI 1,401,357 $424,233,274 $303 

 VSLI 220,719 $84,373,740 $382 

 VRI 62,696 $15,022,345 $240 

TOTAL 1,696,542 $525,494,110 $310 

Loans Number5,6 Amount7 Average Payment 

 USGLI 52 $36,000 $692

 NSLI 11,905 $37,637,00 $3,161

 VSLI 3,259 $8,208,000 $2,519

 VRI 909 $2,028,000 $2,231

 SDVI 8,303 $8,416,000 $1,014

TOTAL 24,428 $56,325,000 $2,306

3 Source: Insurance Master Record Database – Insurance Statistical Report – 700 

4 Source: Insurance General Ledger Accounting System – FY04 Statement of Cash Flows 

5 Source: Program numbers from an estimate based on a sample of loans from SQC in FY04 and a percent of the total. 

6 Source: Program totals from Insurance Master Record Database – COIN 84 and Philadelphia MTC Records Report – 155. 7 Source: Insurance General Ledger Accounting System – Statement of Financial Condition 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. 

LIFE INSURANCE DIVIDENDS PAYMENTS 

 COMPARATIVE INFORMATION FOR FIVE FISCAL YEARS

FY 2000 FY 2001 FY 2002 FY 2003 FY 2004 

Number 2,136,512 2,052,062 1,927,189 1,810,557 1,696,542 

Total Amounts $717,868,383 $667,957,535 $624,446,188 $576,620,666 $525,494,110 

Average 

Payments $336 $326 $324 $318 $310 
Page 56 VETERANS BENEFITS ADMINISTRATION 

LUMP SUM PAYMENTS MADE DURING FISCAL YEAR 2004 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 service member. All other death claims are paid to the veteran’s or the service 

member's designated beneficiary. The following table provides a distribution of the lump sum death 

claim payments by life insurance program. 

LIFE Insurance Payments During Fiscal Year 2004 

DEATH CLAIMS NUMBER1 AMOUNT2 Average Payment 

 USGLI 1,244 $4,415,451 $3,549 

 NSLI 89,126 $914,422,576 $10,260 

 VSLI 5,667 $66,711,548 $11,772 

 VRI 4,479 $37,877,487 $8,457 

 SDVI 5,274 $54,084,338 $10,255 

 VMLI 115 $7,876,287 $68,489 

 SGLI3 2,296 $546,182,122 $237,884 

 SGLI3 - Child 1,126 $11,260,000 $10,000 

 FSGLI3 - Spouse 828 $79,057,332 $95,480 

 VGLI3 1,669 $145,315,375 $87,067 

TOTAL 111,824 $1,867,222,516 $16,698 

1 Source: Insurance Master Record Database – 510 Monthly Report. VMLI Database – VMLI Quarterly 

 Report COMPASS – OSGLI Monthly Report 

2 Source: Insurance General Ledger Accounting System – CFO FY04 Life Insurance Statements (Incurred Basis) VMLI Database – 

VMLI Quarterly Report. Veterans and Reservist Group Insurance System – OSGLI Monthly Report 3 SGLI, FSGLI, and VGLI data are for the policy year ending June 30, 2004 
INSURANCE Page 57 

NUMBER OF DEATH CLAIMS PAID - COMPARATIVE INFORMATION FOR FIVE FISCAL YEARS

 FY 2000 FY 2001 FY 2002 FY 2003 FY 2004 

Number of Claims Paid 109,003 109,867 110,319 109,880 111,824 

Total Amounts Paid $1,398,174,179 $1,463,188,372 $1,614,713,636 $1,723,625,327 $1,867,222,516 

Average Amounts Paid $12,827 $13,318 $14,637 $15,686 $16,698 

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

for the prior four years for purposes of comparison. 

MONTHLY PAYMENTS TO POLICYHOLDERS AT OF THE END OF FISCAL YEAR 2004 

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 and continued on the next page provides data on monthly payments to veterans. 

Definition: 

TOTAL DISABILITY INCOME PROVISION - An option available with some life 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. 

LIFE INSURANCE MONTHLY AWARD PAYMENTS END OF FISCAL YEAR 2004 

 PAYMENT TYPE NUMBER MONTHLY AVERAGE

 Total Disability Income Provision 

 USGLI 43 $27,360 $636 

 NSLI 12,592 $14,749,614 $1,171 

 VSLI 2,726 $3,667,140 $1,345 

 VRI 671 $512,004 $763 

TOTAL 16,032 $18,956,118 $1,182 

 Matured Endowments 

 USGLI 0 0 0 

 NSLI 838 $876,354 $1,046 

 VSLI 650 $935,088 $1,439 

 VRI 41 $35,654 $870 

 SDVI 10 $5,808 $581 

TOTAL 1,539 $1,852,904 $1,204 
Page 58 VETERANS BENEFITS ADMINISTRATION 

MONTHLY PAYMENTS TO BENEFICIARIES AT THE END OF FISCAL YEAR 2004 

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 END FISCAL YEAR 2004 

PAYMENT TYPE

NUMBER

OF AWARDS

MONTHLY

PAYMENTS

AVERAGE

PAYMENT

Death Awards 

 USGLI 2,340 $657,072 $281 

 NSLI 39,434 $24,291,066 $616 

 VSLI 696 $498,528 $716 

 VRI 249 $147,456 $592 

 SDVI 265 $112,452 $424 

TOTAL 42,984 $25,706,574 $598 

Source: Insurance Master Record Database - AVS 2012 

 Payment Type Number Monthly Average 

Payment 

 Cash Surrenders 

 USGLI 0 0 0 

 NSLI 55 $53,586 $974 

 VSLI 0 0 0 

 VRI 2 $528 $264 

 SDVI 0 0 0 

TOTAL 57 $54,114 $949 

 Total and Permanent Disability 

 USGLI 61 $15,528 $255 

TOTAL 61 $15,528 $255 

Source: Insurance Master Record Database– AVS 2012 

Life Insurance Monthly Award Payments End of Fiscal Year 2004 (continued) 
INSURANCE Page 59 

LIFE INSURANCE POLICIES IN-FORCE - COMPARATIVE INFORMATION FOR FIVE FISCAL YEARS

 FY 2000 FY 2001 FY 2002 FY 2003 

Number of 

Policies 4,926,919 4,867,612 7,872,906 7,755,217 

Total Face Value $486,581,986,561 $641,068,691,952 $748,650,733,268 $745,453,203,387 

Average 

Face Value $98,760 $131,701 $95,092 $96,123 

FY2004 

7,696,603 

$756,822,320,973 

$98,332 

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. 

TOTAL LIFE INSURANCE POLICIES IN-FORCE END OF FISCAL YEAR 2004

 INSURANCE NUMBER OF

POLICIES

TOTAL

FACE VALUE

AVERAGE

FACE VALUE

MAXIMUM

FACE VALUE

 USGLI1 10,390 $32,616,463 $3,139 $10,000 

 NSLI1 1,300,404 $14,013,112,818 $10,776 $10,000 

 VSLI1 213,545 $2,524,852,493 $11,824 $10,000 

 VRI1 57,757 $522,632,475 $9,049 $10,000 

 SDVI1 165,651 $1,614,570,383 $9,747 $10,0002

 VMLI3 2,625 $170,251,314 $64,858 $90,000 

 SGLI4 2,448,500 $575,979,100,000 $235,238 $250,000 

 SGLI4 - Child 2,100,000 $21,000,000,000 $10,000 $10,000 

 FSGLI4 - Spouse 990,000 $97,198,000,000 $98,180 $100,000 

 VGLI4 407,731 $43,767,185,000 $107,343 $250,000 

TOTAL 7,696,603 $756,822,320,973 $98,332 1 Source: Insurance Master Record Database - Insurance Statistical Report 700 

2 Additional $20,000 available for totally disabled policyholders 

3 Source: VMLI Database - VMLI Quarterly Report 

4 Source: COMPASS - OSGLI Monthly Report 

TOTAL NUMBER OF POLICYHOLDERS AND THE VALUE OF THEIR COVERAGE — The table below shows the total number of 

veterans, service members and service members’ 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. 

LIFE INSURANCE BUSINESS END OF FISCAL YEAR 2004 
Page 60 VETERANS BENEFITS ADMINISTRATION 

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

USGLI1 0 0 0 0 0 0 0 9,226 1,164 10,390 86.8 

% of Total 0 0 0 0 0 0 0 89% 11% 100% 0 

NSLI1 0 0 0 0 0 48 627,439 632,471 40,447 1,300,404 79.5 

% of Total 0 0 0 0 0 0 48% 49% 3% 100% 0 

VSLI1 0 0 0 0 0 16,184 194,105 3,132 125 213,545 72.6 

% of Total 0 0 0 0 0 8% 91% 1% 0 100% 0 

VRI1 0 0 0 0 0 368 20,921 35,165 1,303 57,757 80.3 

% of Total 0 0 0 0 0 1% 36% 61% 2% 100% 0 

SDVI1 1 913 5,045 18,692 75,488 37,690 24,731 3,007 84 165,651 57.8 

% of Total 0 1% 3% 11% 46% 23% 15% 2% 0 100% 0 

VMLI2 0 10 206 554 1,204 589 62 0 0 2,625 52.9 

% of Total 0 0% 8% 21% 46% 22% 2% 0 0 100% 0 

SGLI4 162,996 1,097,710 643,416 324,057 78,129 1,670 22 0 0 2,308,000 30.2 

% of Total 7% 48% 28% 14% 3% 0 0 0 0 100% 0 

FSGLI 19,633 342,577 374,841 191,350 48,035 3,564 0 0 0 980,000 33.5 

% of Total 2% 35% 38% 20% 5% 0 0 0 0 100% 0 

VGLI3 330 44,445 120,590 102,343 100,867 35,657 2,633 51 1 406,917 43.8 

% of Total 0 11% 30% 25% 25% 9% 1% 0 0 100% 0 

TOTALS 182,960 1,485,655 1,144,097,774 636,997 303,723 95,770 869,912 673,826 41,959 5,434,899 0 

% by Age 3% 27% 21% 12% 6% 2% 16% 12% 1% 100% 0 

1Source: Insurance Master Record Database – AVS 2010 

2Source: VMLI Database 

3Source: COMPASS (COMprehensive Pension Annuity Support System) 4 Includes both Active Duty and Ready Reservists 

 All data as of September 30, 2004 with the exception of SGLI and VGLI which are as of June 30, 2004 
INSURANCE Page 61 

BY BRANCH OF SERVICE FOR SGLI & FSGLI COVERAGE

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

NOTE: 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 528,692 519,811 98.3% 22.5% 267,232 240,469 90.0% 24.5% 

Navy Active 411,056 401,715 97.7% 17.4% 189,743 170,803 90.0% 17.4% 

Air Force Active 391,584 381,439 97.4% 16.5% 222,674 180,994 81.3% 18.5% 

Marine Corps Active 188,145 186,268 99.0% 8.1% 86,905 77,772 89.5% 7.9% 

Coast Guard Active 38,795 36,842 95.0% 1.6% 17,901 15,301 85.5% 1.6% 

NOAA 272 220 80.9% 0 122 98 79.9% 0 

Public Health Service 6,003 5,705 95.0% 0.2% 4,374 3,621 82.8% 0.4% 

TOTAL - Active 1,564,547 1,532,000 97.9% 66.4% 788,951 689,057 87.3% 70.3% 

Army Reserve and Guard 546,198 513,988 94.1% 22.3% 249,112 179,610 72.1% 18.3% 

Navy Reserve 76,440 65,784 86.1% 2.9% 34,242 25,666 75.0% 2.6% 

Air Force Reserve and 

Guard 173,142 160,076 92.5% 6.9% 98,693 77,259 78.3% 7.9% 

Marine Corps Reserve 28,267 28,161 99.6% 1.2% 6,083 5,519 90.7% 0.6% 

Coast Guard Reserve 8,863 7,990 90.2% 0.3% 3,642 2,889 79.3% 0.3% 

TOTAL- Reserve 832,910 776,000 93.2% 33.6% 391,772 290,943 74.3% 29.7% 

TOTAL 2,397,457 2,308,000 96.3% 100% 1,180,723 980,000 83.0% 100% 

All data are as of September 30, 2004 with the exception of SGLI and FSGLI which are as of June 30, 2004
Page 62 VETERANS BENEFITS ADMINISTRATION 

LOAN GUARANTY 

Since World War II, the VA loan guaranty program has assisted veterans by guaranteeing over 17 million home loans. 

Most were made without a down payment. 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 down payment. 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. 

 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 is no maximum loan amount for a VA loan. Lenders generally set a 

maximum based on rules of the secondary mortgage market. The maximum 

VA guaranty in FY 2004 is $60,000 and lenders are usually willing to make a 

“no-down payment” loan of up to 4 times the guaranty, or $240,000. (Note: Effective December 2004, the maximum values increased to $89,912 and $359,650 respectively.) 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. Since the program began in 1944, VA has guaranteed more 

than 17.6 million loans totaling over $863 billion. 

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 (SHA) grants are available for disabled veterans who have blindness in both eyes, or have anatomical loss or loss of use of both hands. These distinctive programs help eligible veterans through grants to buy, build or modify homes specifically adapted for their use. 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 Page 63 

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 FY 2004, VA closed 56 loans under 

this program. Since its inception, VA has made more than 500 loans to Native American veterans under this program. 

The table below summarizes eligibility criteria. 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 period, he or 

she could be eligible due to a discharge relating to 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* 

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

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

Officers 10/17/81 - 8/1/90 2 years 

Gulf War Era 8/2/90 - 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 Possible under certain situations 

* For veterans who served within Vietnam, the beginning date is 2/28/1961 
Page 64 VETERANS BENEFITS ADMINISTRATION 

The objective of the VA home loan guaranty program is to enable veterans (and other eligible people) to enter the 

home-buying market. The “no-down payment” feature is intended to help veterans afford the purchase of suitable 

homes. VA does not require a down payment 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. 

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, 

(e.g., cash-out). Interest rate reduction is the most common reason for refinancing a loan. 

The following table shows the distribution of loans guaranteed in FY 2004, sorted by whether or not the borrower 

made a down-payment as well as by buyer status (a first time homebuyer is an eligible person who used the loan guaranty to 

enter the home-buying market and purchase a home for the first time.) Similar data are presented on a five year basis in the 

subsequent chart. 

TYPES AND CHARACTERISTICS OF LOANS GUARANTEED

Types and Characteristics of Loans Guaranteed in Fiscal Year 2004 

Status First Time 

Home Buyer 

Previous 

Home Buyer 

No 

Downpayment Downpayment Purchase Loans 

Interest Rate 

Reduction 

Other 

Refinancing 

Number 73,891 78,504 137,773 14,622 152,395 175,147 8,246 

Total Loan 

Amount $10,261,506,864 $12,292,467,439 $19,944,160,920 $2,609,813,383 $22,553,974,303 $20,504,724,030 $1,071,902,270 

Average Loan 

Amount $138,874 $156,584 $144,761 $178,485 $147,997 $117,072 $129,991 

Total Guaranty 

Amount $2,894,518,176 $3,282,185,992 $5,513,649,182 $663,054,986 $6,176,704,168 $6,187,409,701 $279,270,511 

Average 

Guaranty 

Amount $36,206 $41,487 $40,020 $45,346 $40,531 $35,327 $33,867 

Interest 6.99% 6.62% 6.88% 
LOAN GUARANTY Page 65 

VA Home Loans Guaranteed Over The Past Five Years 

Fiscal Year 2000 2001 2002 2003 2004 

Number of Loans 199,160 250,009 317,251 489,418 335,788 

Total Loan Amount 

(DOLLARS IN 000S) $23,372,159 $31,254,955 $40,129,135 $63,254,794 $44,130,601 

Average Loan Amount $117,354 $125,015 $126,490 $129,245 $131,424 

Total Guaranty Amount 

(DOLLARS IN 000S) $7,071,309 $9,153,836 $11,667,455 $18,245,097 

 

$12,643,384

Average Guaranty 

Amount $35,506 $36,614 $36,777 $37,279 $37,653 

Select Five-Year Trend of Loans Guaranteed by Status 

 2000 2001 2002 2003 2004 

Purchase Loans 

 

185,553 

 

177,158 

 

176,899 148,810 152,395 

Interest Rate 

Reduction 9,524 

 

67,696 

 

131,889 330,426 175,147 

Other Refinancing 4,083 5,155 8,464 10,182 8,246 

First Time Home 

Buyer 

 

101,955 

 

96,266 

 

89,575 

 

69,154 

 

73,891 

Previous Home Buyer 

 

86,598 

 

80,895 

 

87,323 

 

79,656 

 

78,504 

No Down Payment 

 

166,758 

 

160,002 

 

106,541 

 

135,160 

 

137,773 

Down Payment 

 

18,795 

 

17,156 

 

16,357 

 

13,650 

 

14,622 
Page 66 VETERANS BENEFITS ADMINISTRATION 

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2004 

Program Specially Adapted 

Housing Grants 

Special Housing 

Adaptation Grants 

 Direct Loans to 

 Native Americans Grand Total 

Number of Grants/

Loans 450 51 56 557 

Total Amount of 

Grants/Loans $22,008,000 $483,599 $4,924,313 $27,415,912 

Average Amount of 

Grants/Loans $48,907 $9,482 $87,934 $49,221 

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 FY 2004. 

Data regarding loans guaranteed during FY 2004 by veterans’ period of 

service and by other entitlement criteria are presented below. The data 

are also presented on a five-year basis in the subsequent chart. 

Loans Guaranteed during Fiscal Year 2004 by Entitlement 

Entitlement Number Total Loan Amount Average Loan Total Guaranty Average 

World War II 1,269 $120,363,478 $94,849 $39,609,324 $31,213 

Post-World War II 194 $21,497,415 $110,811 $6,572,497 $33,879 

Korean War 1,589 $151,843,863 $95,559 $49,583,631 $31,204 

Post-Korean War 3,778 $380,555,173 $100,729 $121,875,825 $32,259 

Vietnam Era 25,428 $2,718,423,818 $106,907 $847,057,444 $33,312 

Post-Vietnam Era 37,769 $4,463,996,646 $118,192 $1,340,986,099 $35,505 

Gulf War Era 75,383 $10,043,723,201 $133,236 $2,873,476,561 $38,118 

Restored Entitlement 123,724 $16,906,789,477 $136,649 $4,748,269,452 $38,378 

Service Personnel 57,524 $8,143,087,819 $141,560 $2,274,656,776 $39,543 

Reservists 8,178 $1,075,033,444 $131,454 $308,771,017 $37,756 

Unremarried Survivor 931 $102,540,585 $110,140 $31,739,230 $34,092 

Spouse of POW 21 $2,745,684 $130,747 $786,524 $37,454 
LOAN GUARANTY Page 67 

Five Year Trend of Types and Characteristics of Loans Guaranteed 

 2000 2001 2002 2003 2004 

World War II 918 923 1,136 1,646 1,269 

Post-World War II 97 107 166 335 194 

Korean War 1,222 1,222 1,406 2,025 1,589 

Post-Korean War 2,625 2,732 3,618 5,339 3,778 

Vietnam Era 19,968 20,553 24,850 34,911 25,428 

Post-Vietnam Era 34,002 34,293 39,185 55,308 37,769 

Gulf War Era 52,431 66,478 72,077 98,423 75,383 

Restored Entitlement 49,374 74,998 115,636 221,730 123,724 

Service Personnel 30,565 40,069 49,228 57,129 57,524 

Reservists 7,440 8,051 9,179 11,385 8,178 

Unremarried Survivor 509 578 760 1,161 931 

Spouse of POW 9 5 10 26 21 

The distribution of loans guaranteed during FY 2004 by age and gender of the eligible borrower is shown below. 

Home Loans Guaranteed During Fiscal Year 2004 Based on Gender and Age 

Gender Number 

Total 

Loan Amount Average Loan 

Total 

Guaranty Amount Average Guaranty 

Male 302,320 $39,686,108,424 $131,272 $11,372,185,299 $37,616 

Female 33,468 $4,444,492,179 $132,798 $1,271,199,081 $37,983 

Age 

18 - 25 14,123 $1,665,194,029 $117,907 $510,723,933 $36,163 

26 - 35 92,612 $12,892,202,920 $139,207 $3,617,713,799 $39,063 

36 -45 104,653 $14,599,101,602 $139,500 $4,083,382,350 $39,018 

46 - 55 67,776 $8,514,730,626 $125,630 $2,478,521,470 $36,569 

56 - 65 39,920 $4,729,950,218 $118,486 $1,406,903,244 $35,243 

66 - 75 12,476 $1,326,774,523 $106,346 $413,793,180 $33,167 

76 - 80 2,608 $248,682,320 $95,354 $81,854,068 $31,386 

Over 80 1,620 $153,964,365 $95,040 $50,492,336 $31,168 
Page 68 VETERANS BENEFITS ADMINISTRATION 

Five Year Trend of Types and Characteristics of Loans Guaranteed 

 2000 2001 2002 2003 2004 

18 - 25 8,431 10,511 10,968 12,361 14,123 

26 - 35 74,790 93,771 101,921 131,320 92,612 

36 -45 60,180 77,386 100,724 158,892 104,653 

46 - 55 36,885 44,683 63,701 106,893 67,776 

56 - 65 12,645 16,098 27,555 55,759 39,920 

66 - 75 6,229 7,560 12,382 18,416 12,476 

76 - 80 3,818 2,608 

Over 80 1,959 1,620 

Purchase Loans Guaranteed During Fiscal Year 2004 Based on Annual Income 

Income Number Total Loan Amount 

Average 

Loan 

Total Guaranty 

Amount 

Average 

Guaranty 

Less than $25,000 3,871 $331,104,872 $85,535 $118,512,987 $30,616 

$25,000 to $34,999 17,201 $1,753,551,975 $101,945 $581,999,582 $33,835 

$35,000 to $44,999 29,662 $3,646,305,025 $122,928 $1,084,525,958 $36,563 

$45,000 to $54,999 30,387 $4,330,384,765 $142,508 $1,192,510,665 $39,244 

$55,000 to $64,999 23,900 $3,781,574,661 $158,225 $999,540,864 $41,822 

$65,000 to $74,999 17,661 $3,003,365,679 $170,056 $774,986,892 $43,881 

$75,000 and over 29,713 $5,707,687,326 $192,094 $1,424,627,220 $47,946 

Average Income $58,186 

Median Income $53,280 

Median Loan $142,977 
LOAN GUARANTY Page 69 

Providing race information on the application for a VA guaranteed loan is voluntary. The race demographics and 

distribution of new loan guaranties presented in the following show the distribution among the 89 percent who provided race information for FY 2004. For the previous four fiscal years the percentages are: 2003, 87 percent; 

2002, 83 percent; 2001, 80 percent; and 2000, 83 percent. 

Loan Guaranteed during Fiscal Year 2004 by Race 

Race Number 

Total 

 Loan Amount 

Average Loan 

Amount 

Total Guaranty 

Amount 

Average Guaranty 

Amount 

White 221,931 $29,119,072,013 $131,208 $12,261,559,970 $55,249 

Black / African - 

American 49,530 $6,480,011,568 $130,830 $2,286,864,746 $46,171 

Hispanic 20,708 $2,634,337,880 $127,214 $957,490,333 $46,238 

American Indian /

Alaskan Native 2,168 $681,009,372 $149,969 $89,256,958 $19,656 

Asian 

Pacific Islander 

Native Hawaiian 4,541 $39,198,821,656 $131,153 $15,826,252,136 $52,952 

Select Five Year Trend of Loans Guaranteed by Race 

 2000 2001 2002 2003 2004 

White 118,750 156,241 204,316 330,408 221,931 

Black / African 

 American 22,705 28,462 37,378 61,357 49,530 

Hispanic 9,239 12,526 16,569 26,036 20,708 

American Indian/

Alaskan Native 875 1,266 1,626 2,428 2,168 

Asian/Pacific Islander/

Native Hawaiian 2,083 2,714 3,660 5,740 4,541 
Page 70 VETERANS BENEFITS ADMINISTRATION 

The mission of the Vocational Rehabilitation and Employment (VR&E) Program is to provide comprehensive services 

and assistance necessary to enable veterans with service-connected disabilities and employment handicaps to obtain 

and maintain stable and suitable employment. When the severity of disability prohibits suitable employment, VR&E assists those veterans to achieve maximum independence in daily living. 

Veterans may progress through a series of steps or case statuses. VR&E provides each veteran with a case manager. 

The case manager follows the veteran’s progress through the program and ensures delivery of prescribed services. The 

steps and the broadly categorized activities within those steps are described below. 

STEP 1. Application for the benefit. 

STEP 2. Evaluation to assess needs and determine services to which a veteran may be entitled and plan the 

 rehabilitation program. 

STEP 3. Rehabilitation services and assistance that enable the veteran to become job-ready or to live more 

 independently in the community. 

STEP 4. Assistance to the veterans in obtaining and maintaining suitable employment. 

STEP 5. Rehabilitation of veterans who obtain and maintain suitable employment or achieve maximum 

 independence in daily living. 

The following definitions apply throughout many of the tables in this chapter. 

APPLICANTS: Veterans who applied for Vocational Rehabilitation and Employment services. 

DENIED ELIGIBILITY: Veterans deemed ineligible for reasons such as lack of a qualifying service-connected 

disability rating. 

DENIED ENTITLEMENT: Veterans not entitled to services due 

to lack of an employment handicap or serious employment handicap. 

ENTITLED TO SERVICES: Veterans determined to have a 

disability that presents an employment or serious employment handicap and for whom vocational rehabilitation should be successful. 

PARTICIPANTS: Veterans who are in one of the following 

case statuses: extended evaluation, independent living, 

job-ready status, rehabilitation to employment. While 

many of the veterans in the Participants category entered the program during the current fiscal year, the 

data includes other veterans who entered in previous 

years. 

REHABILITATED: Veterans who have successfully found and 

maintained suitable employment or have successfully 

completed an independent living program and maintained the gained independence. 

VOCATIONAL REHABILITATION AND EMPLOYMENT 

In Fiscal Year 2004, 61,322 veterans applied for Vocational Rehabilitation and Employment services. Of those that 

applied: 

• 63.6% were found to be entitled 

• 4.9% did not have a qualifying service-connected disability rating and were determined not eligible. 

• 13.6% were determined not entitled (no qualifying employment handicap or serious employment handicap). 

• 17.9% have not completed the evaluation process in order for a determination to be made. 
VOCATIONAL REHABILITATION AND EMPLOYMENT Page 71 

VOCATIONAL REHABILITATION AND EMPLOYMENT ACTIVITIES BY AGE FY 2004 

 17 - 21 22 - 29 30 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 and 

above UNKNOWN TOTAL

MALE

Applicants 704 7,367 10,700 8,469 7,139 5,985 7,271 3,866 4 51,505 

Denied Eligibility 175 695 478 375 271 205 156 49 1 2,405 

Denied Entitlement 27 473 1,208 1,229 1,163 1,057 1,251 665 1 7,074 

Entitled to Services 168 3,969 7,247 5,579 4,749 3,894 4,480 2,117 1 32,204 

Participants 73 5,617 12,598 8,431 7,646 4,252 3,341 1,068 1 43,027 

Rehabilitated 1 592 2,035 1,306 1,512 1,214 1,512 969 0 9,141 

Applicants 268 2,789 2,917 1,749 1,228 596 209 61 0 9,817 

Denied Eligibility 58 234 153 62 42 13 5 4 0 571 

Denied Entitlement 8 214 372 288 222 122 45 13 0 1,284 

Entitled to Services 82 1,671 2,234 1,241 914 455 149 38 1 6,785 

Participants 44 2,846 4,693 2,325 1,823 793 218 36 0 12,778 

Rehabilitated 1 251 742 374 314 189 56 17 0 1,944 

Source: VR&E Program Management Reports (FY2004) 

FEMALE

VOCATIONAL REHABILITATION AND EMPLOYMENT ACTIVITIES 

 MALE FEMALE TOTAL

Applicants 51,505 9,817 61,322 

Denied Eligibility 2,405 571 2,976 

Denied Entitlement 7,074 1,284 8,358 

Entitled to Services 32,204 6,785 38,989 

Participants 43,027 12,778 55,805 

Rehabilitated 9,141 1,944 11,085 

Sources: VR&E Program Management Reports (FY 2004) 

DEMOGRAPHIC CHARACTERISTICS OF VETERANS

The tables below and on the following pages display the demographics of veterans in each of the categories defined on the previous page. The tables show data for both the female and male veteran populations. 
Page 72 VETERANS BENEFITS ADMINISTRATION 

BY PRIOR EDUCATION LEVEL FY 2004 

 

BELOW HIGH

SCHOOL

HIGH

 SCHOOL

POST-HIGH

SCHOOL

FOUR YEAR

DEGREE

GRADUATE 

DEGREE

 TRAINING

TOTAL

MALE

Applicants 1,311 26,547 16,667 4,761 2,219 51,505 

Denied Eligibility 66 1,224 726 217 172 2,405 

Denied Entitlement 162 3,197 2,323 930 462 7,074 

Entitled to Services 676 16,946 10,811 2,401 1,370 32,204 

Participants 532 23,040 15,512 2,265 1,678 43,027 

Rehabilitated 173 4,679 3,020 807 462 9,141 

FEMALE

Applicants 47 4,156 3,928 1,137 549 9,817 

Denied Eligibility 3 262 180 71 55 571 

Denied Entitlement 9 463 479 230 103 1,284 

Entitled to Services 36 3,036 2,697 646 370 6,785 

Participants 78 6,058 5,207 828 607 12,778 

Rehabilitated 18 808 835 200 83 1,944 

Source: VR&E Program Management Reports (FY2004) 
VOCATIONAL REHABILITATION AND EMPLOYMENT Page 73 

BY BRANCH OF SERVICE FY 2004 

 AIR FORCE ARMY

COAST

GUARD

MARINE

CORPS NAVY MISC. UNKNOWN TOTAL

Male 

Applicants 6,764 24,647 468 6,767 9,381 24 3,454 51,505 

Denied Eligibility 132 352 8 145 221 0 1,547 2,405 

Denied Entitlement 1,104 3,465 63 892 1,420 8 122 7,074 

Entitled to Services 4,546 16,199 353 4,318 6,333 14 441 32,204 

Participants 6,767 20,910 512 5,607 8,905 9 317 43,027 

Rehabilitated 1,457 4,553 93 1,160 1,801 4 73 9,141 

Female 

Applicants 1,754 4,741 74 489 1,870 6 883 9,817 

Denied Eligibility 37 80 1 12 47 1 393 571 

Denied Entitlement 259 650 7 58 269 2 39 1,284 

Entitled to Services 1,334 3,523 69 322 1,428 5 104 6,785 

Participants 2,735 6,369 130 663 2,797 4 80 12,778 

Rehabilitated 477 912 39 92 413 0 11 1,944 

Source: VR&E Program Management Reports (FY2004) 
Page 74 VETERANS BENEFITS ADMINISTRATION 

BY PERIOD OF SERVICE FY 2004 

 WORLD 

WAR II 

POST- WORLD

WAR II ERA

KOREAN

CONFLICT

POSTKOREAN

CONFLICT

VIETNAM ERA

POST -

VIETNAM

 ERA

GULF

WAR

TOTAL

MALE

Applicants 443 38 329 587 9,463 10,490 30,155 51,505 

Denied Eligibility 2 0 6 12 266 594 1,525 2,405 

Denied Entitlement 46 9 43 107 1,526 1,779 3,564 7,074 

Entitled to Services 206 16 159 271 5,466 6,257 19,829 32,204 

Participants 19 2 36 123 3,290 6,782 32,775 43,027 

Rehabilitated 149 8 75 127 1,754 1,509 5,519 9,141 

FEMALE

Applicants 2 0 0 15 114 1,439 8,247 9,817 

Denied Eligibility 0 0 0 1 6 85 479 571 

Denied Entitlement 1 0 1 4 24 254 1,000 1,284 

Entitled to Services 0 0 3 6 67 911 5,798 6,785 

Participants 0 0 1 5 62 1,320 11,390 12,778 

Rehabilitated 0 0 3 2 17 251 1,671 1,944 

Source: VR&E Program Management Reports (FY2004) 
VOCATIONAL REHABILITATION AND EMPLOYMENT Page 75 

BY LENGTH OF SERVICE FY 2004 

 

3 

MONTHS

OR LESS

3 TO 6 

MONTHS

6 MONTHS

TO 2 YEARS

2 TO 4 

YEARS

4 TO 10 

YEARS

10 TO 15 

YEARS

15 TO 20 

YEARS

20 TO 30 

YEARS

MORE

THAN 30 

YEARS

IN 

SERVICE TOTAL

MALE

Applicants 248 595 7,362 14,236 11,620 3,324 2,524 8,434 201 2,961 51,505 

Denied Eligibility 26 54 292 510 326 72 43 171 6 905 2,405 

Denied Entitlement 29 82 1,053 1,973 1,508 487 394 1,362 35 151 7,074 

Entitled to Services 155 389 4,391 8,838 7,764 2,485 1,899 5,636 132 515 32,204 

Participants 207 506 4,450 10,653 11,469 3,926 2,777 8,906 133 0 43,027 

Rehabilitated 32 77 1,155 2,362 2,131 787 666 1,857 46 28 9,141 

FEMALE

Applicants 94 221 1,221 2,475 2,695 714 401 1,248 14 734 9,817 

Denied Eligibility 2 22 70 92 95 23 14 22 1 230 571 

Denied Entitlement 14 24 135 321 345 109 64 225 2 45 1,284 

Entitled to Services 75 159 923 1,719 2,047 543 341 862 6 110 6,785 

Participants 157 280 1,577 3,230 3,976 1,104 675 1,771 8 0 12,778 

Rehabilitated 16 37 208 448 613 207 135 272 2 6 1,944 

Source: VR&E Program Management Reports (FY2004) 
Page 76 VETERANS BENEFITS ADMINISTRATION 

BY SERVICE-CONNECTED DISABILITY FY 2004 

 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 

MEMO

RATING

CASES

NOT

RATED TOTAL

MALE

Applicants 36 6,367 8,766 8,745 6,837 4,419 3,607 2,745 1,539 654 2,998 2,679 2,113 51,505 

Denied Eligibility 15 191 127 102 92 57 39 36 25 8 28 36 1,649 2,405 

Denied Entitlement 1 1,332 1,031 1,082 893 538 593 520 332 176 510 66 0 7,074 

Entitled to Services 6 1,286 4,969 5,528 5,262 3,395 3,365 2,798 1,801 851 2,720 223 0 32,204 

Participants 8 1,662 7,830 8,594 8,045 4,882 4,736 2,845 1,850 746 1,724 105 0 43,027 

FEMALE

Applicants 9 1,113 1,511 1,641 1,325 938 816 492 282 132 310 750 498 9,817 

Denied Eligibility 8 50 33 34 15 8 18 3 5 3 1 12 381 571 

Denied Entitlement 1 250 161 209 160 100 120 92 63 35 64 29 0 1,284 

Entitled to Services 2 229 958 1,176 1,140 812 794 604 407 187 404 72 0 6,785 

Participants 4 371 2,029 2,380 2,300 1,604 1,620 1,079 672 270 404 45 0 12,778 

Source: VR&E Program Management Reports (FY2004) 
VOCATIONAL REHABILITATION AND EMPLOYMENT Page 77 

Of those veterans participating in a plan of services, most follow the employment track and may receive services that 

include: employment planning, training or education, medical or dental care, and other supportive services. Veterans 

following the independent living track strive to achieve maximum independence in daily living. Some of the veterans 

participating in VR&E have a serious employment handicap. Serious employment handicap may mean there is a significant impairment of a veteran’s ability to prepare for, obtain, or retain employment consistent with such veteran’s 

abilities, aptitudes, and interests (38 CFR, Part 18). 

Veterans with Serious Employment Handicaps FY 2004 

 

TOTAL VETERANS TOTAL VETERANS

SERIOUS 

EMPLOYMENT HANDICAPS

MALE 

SERIOUS

 EMPLOYMENT HANDICAPS

FEMALE

SERIOUS

 EMPLOYMENT HANDICAPS

Entitled to Services 38,989 19,893 16,869 3,024 

Participants 55,805 24,057 18,857 5,200 

Rehabilitated 11,085 5,665 4,865 800 

Source: VR&E Program Management Reports (FY2004) 

The employment assistance needs of each veteran are assessed and a plan of services developed that will lead a 

veteran into suitable employment. Services may include: job market exploration, job seeking skills, resume preparation, interview skills, and other assistance. The table presented on the next page reflects those veterans participating 

in Vocational Rehabilitation and Employment by training program during FY 2004. 
Page 78 VETERANS BENEFITS ADMINISTRATION 

Veterans Participating in a Vocational Training Program FY 2004 

 Male Female Total 

Undergraduate School 35,801 11,287 47,088 

Vocational/Technical 3,246 464 3,710 

Graduate School 1,495 659 2,154 

College, Non-Degree 980 199 1,179 

Extended Evaluation/Independent Living 982 93 1,075 

Paid On-Job Training 169 10 179 

Non Pay Work Experience in Government 141 39 180 

Non-Pay On-Job-Training 99 21 120 

Apprenticeship 63 1 64 

Improvement of Rehab Potential 28 5 33 

High School 18 0 18 

Farm Co-op 5 0 5 

Totals 43,027 12,778 55,805 

Source: VR&E Program Management Reports (FY2004) 

VETERANS PARTICIPATING IN A VOCATIONAL TRAINING PROGRAM FY 2004 

 MALE FEMALE TOTAL

Undergraduate School 35,801 11,287 47,088 

Vocational/Technical 3,246 464 3,710 

Graduate School 1,495 659 2,154 

College, Non-Degree 980 199 1,179 

Extended Evaluation/Independent Living 982 93 1,075 

Paid On-Job Training 169 10 179 

Non Pay Work Experience in Government 141 39 180 

Non-Pay On-Job-Training 99 21 120 

Apprenticeship 63 1 64 

Improvement of Rehab Potential 28 5 33 

High School 18 0 18 

Farm Co-op 5 0 5 

TOTAL 43,027 12,778 55,805 

Source: VR&E Program Management Reports (FY2004) 
VOCATIONAL REHABILITATION AND EMPLOYMENT Page 79 

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 individual circumstances of each veteran; the average time spent in the program is approximately two and one-half years. 

This table displays both participants and rehabilitated veterans by their occupational categories during FY 2004. 

VETERANS PARTICIPATING AND REHABILITATED BY OCCUPATIONAL CATEGORY FY 2004 

 MALE FEMALE

 PARTICIPANTS REHABILITATED PARTICIPANTS REHABILITATED

Agricultural, Fishery and 

Forestry 101 27 21 1 

Bench Work 240 74 25 4 

Clerical 1,468 421 716 174 

Independent Living 1,110 2,582 175 245 

Machine Trades 1,062 270 23 3 

Miscellaneous 1,162 315 174 9 

Processing (Butcher, Meat 

Processor, etc.) 35 17 7 4 

Professional, Technical, and 

Managerial 35,768 4,625 11,302 1,413 

Sales 305 182 61 18 

Service 1,029 384 252 70 

Structural (Building Trades) 747 244 22 3 

TOTAL 43,027 9,141 12,778 1,944 

Average Age 41 47 37 40 

Source: VR&E Program Management Reports (FY2004) 
Page 80 VETERANS BENEFITS ADMINISTRATION 

VETERANS WHO SUCCESSFULLY ACHIEVED REHABILITATION SHOWING PRE AND POST ANNUAL

 EARNINGS BY OCCUPATIONAL CATEGORY FY 2004 

MALE

 

TOTAL

 NUMBER

 REHABILITATED

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 6,038 $6,872 $33,853 $4,884 $29,299 

Clerical 595 $5,211 $26,335 $4,869 $22,469 

Service 454 $5,982 $25,125 $3,322 $22,537 

Miscellaneous 324 $2,698 $26,353 $0 $13,869 

Machine Trades 273 $4,960 $27,954 $0 $12,828 

Structural (Building Trades) 247 $6,289 $30,045 $4,800 $34,992 

Sales 200 $5,295 $25,948 $5,010 $25,516 

Bench work 78 $4,039 $27,425 $3,600 $17,202 

Processing (Butcher, Meat 

Processor, etc.) 21 $3,404 $28,643 $0 $18,555 

Agricultural, Fishery and 

Forestry 28 $5,500 $24,074 $0 $13,200 

Total 8,258 $4,825 $29,413 $4,306 $26,530 

 

MALES - AVERAGE AGE 47 FEMALE - AVERAGE AGE 40 

 Source: VR&E Program Management Reports (FY2004) *Excludes Independent Living Veterans (2,827) 

FEMALE

 (The table above excludes veterans in independent living.) 
VOCATIONAL REHABILITATION AND EMPLOYMENT Page 81 

52,204 61,250 64,522 61,322

2001 2002 2003 2004

VOCATIONAL REHABILITATION AND EMPLOYMENT 

APPLICANTS FY 2001-2004

TRENDS IN VR&E

Vocational Rehabilitation and Employment 

Female Participation during FY 2000 - 2004

11,126

11,497

11,917

12,522

12,778

10,000

10,500

11,000

11,500

12,000

12,500

13,000

2000 2001 2002 2003 2004
Page 82 VETERANS BENEFITS ADMINISTRATION 

Appendices 

 I. VBA Regional Office Mailing Addresses 83 

 II. Contacting the VA by Telephone 87 

 III. Websites 88 

 IV. Glossary 89 

 V. Select Veteran Data for All VA Benefit Programs by State 94 

 VI. Estimated Future Benefit Payment 152 
VBA REGIONAL OFFICE MAILING ADDRESSES Page 83 

ALABAMA

VA Regional Office 

345 Perry Hill Road 

Montgomery, AL 36109-3798 

ALASKA

VA Regional Office 

2925 Debarr Road 

Anchorage, AK 99508-2989 

ARIZONA

VA Regional Office 

3333 North Central Avenue 

Phoenix, AZ 85012-2405 

ARKANSAS

VA Regional Office 

2200 Fort Roots Drive 

North Little Rock, AR 72114-1756 

CALIFORNIA

VA Regional Office - Federal Building 

11000 Wilshire Blvd. 

Los Angeles, CA 90024-3602 

CALIFORNIA

VA Regional Office - Oakland Federal Building 

1301 Clay Street - Suite 1300N 

Oakland, CA 94612-5209 

CALIFORNIA

VA Regional Office 

8810 Rio San Diego Drive 

San Diego, CA 92108-1508 

COLORADO

VA Regional Office 

155 Van Gordon Street 

Lakewood, CO 80228-0126 

CONNECTICUT

VA Regional Office 

P.O. Box 310909 

Newington, CT 06131-0909 

DELWARE

VA Regional Office 

1601 Kirkwood Highway 

Wilmington, DE 19805-4988 

DISTRICT OF COLUMBIA

VA Regional Office 

1722 Eye Street, NW 

Washington, DC 20421-1111 

FLORIDA

VA Regional Office 

P.O. 1437 

St. Petersburg, FL 33731-1437 

GEORGIA

VA Regional Office 

1700 Clairmont Rd. 

Decatur, GA 30333-4032 

HAWAII

VA Regional Office 

459 Patterson Road 

Honolulu, HI 96819-1522 
Page 84 VETERANS BENEFITS ADMINISTRATION 

I

DAHO

VA Regional Office 

805 W. Franklin Street 

Boise, ID 83702-5560 

ILLINOIS

VA Regional Office 

2122 W. Taylor Street 

Chicago, IL 60612-4281 

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 

545 S. 3rd Street 

Louisville, KY 40202-3835 

LOUISIANA

VA Regional Office 

701 Loyola Avenue - Room 40037 

New Orleans, LA 70113-1912 

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 

St. Paul, MN 55111-4050 

MISSISSIPPI

VA Regional Office 

1600 East Woodrow Wilson Avenue 

Jackson, MS 39216-5102 

MISSOURI

VA Regional Office 

400 South 18th Street 

St. Louis, MO 63103-2676 

MONTANA

VA Regional Office 

Williams Street, Highway 12 West 

Fort Harrison, MT 59636-9999 

NEBRASKA

VA Regional Office 

5631 S. 48th Street 

Lincoln, NE 68516-4198 
Page 85 

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 

NEW JERSEY

VA Regional Office 

20 Washington Place 

Newark, NJ 07102-3174 

NEW MEXICO

VA Regional Office - Dennis Chavez Federal Bldg. 

500 Gold Avenue, SW 

Albuquerque, NM 87102-3118 

NEW YORK

VA Regional Office - Federal Building 

111 West Huron Street 

Buffalo, NY 14202-2368 

NEW YORK

VA Regional Office 

245 W. Houston Street 

New York, NY 10014-4805 

NORTH CAROLINA

VA Regional Office - Federal Building 

251 North Main Street 

Winston-Salem, NC 27155-1000 

NORTH DAKOTA

VA Regional Office 

2101 Elm Street 

Fargo, ND 58102-2417 

O HIO

VA Regional Office - A. J. Celebreeze Federal Building 

1240 East Ninth Street 

Cleveland, OH 44199-2002 

OKALHOMA

VA Regional Office Federal Building 

125 South Main Street 

Muskogee, OK 74401-7025 

OREGON

VA Regional Office - Federal Building 

1220 Southwest 3rd Avenue Room 1217 

Portland, OR 97204-2825 

PENNSYLVANIA

VA Regional Office and Insurance Center 

5000 Wissahickon Avenue 

Philadelphia, PA 19101-8079 

PENNSYLVANIA

VA Regional Office 

1000 Liberty Avenue 

Pittsburgh, PA 15222-4004 

PHILIPPINES

U.S. Department of Veterans Affairs 

FPO AP 96515-1110 

Manila, PI 1000 

PUERTO RICO

VA Regional Office 

P.O. Box 364867 

San Juan, PR 00936-4867 

RHODE ISLAND

VA Regional Office 

380 Westminster Mall 

Providence, RI 02903-3246 
Page 86 VETERANS BENEFITS ADMINISTRATION 

TENNESSEE

VA Regional Office 

110 Ninth Avenue, South 

Nashville, TN 37203-3817

TEXAS

VA Regional Office 

6900 Almeda Road 

Houston, TX 77030-4200

TEXAS

VA Regional Office 

One Veterans Plaza 

701 Clay Avenue 

Waco, TX 76799-0001

UTAH

VA Regional Office 

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 

5000 W. National Avenue - Bldg. 6 

Milwaukee, WI 53295-0006

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. 

SOUTH CAROLINA

VA Regional Office 

1801 Assembly Street 

Columbia, SC 29201-2495 

SOUTH DAKOTA

VA Regional Office 

2501 West 2nd Street 

Sioux Falls, SD 57117-5046 
Page 87 

Telephone numbers to call to obtain additional information about the Department of Veterans Affairs.

GENERAL BENEFITS

Disability Compensation, Pension, Vocational Rehabilitation, Home 

Loan and General Benefits Information 1-800-827-1000 *

Education and Training

1-888-GI BILL 1 *

(1-888-442-4551)

Burial Headstones and Markers 1-800-697-6947 *

VA Life Insurance 1-800-669-8477 *

HEALTHCARE BENEFITS 

Veterans Healthcare 1-877-222-8387 *

Veterans Healthcare in Canada 613-943-0824

Veterans Healthcare in Philippines 011-632-833-4566

Veterans Healthcare in all Other Countries 303-331-7590

National Mammography Helpline 1-888-492-7844 *

CHAMPVA 1-800-733-8387 *

CONTACT VA AND OTHER GOVERNMENT SITES VIA THE WEB

MISCELLANEOUS

Telecommunication Device for the Deaf (TDD) 1-800-829-4833 *

Gulf War Hotline 1-800-PGW-VETS* 

(1-800-749-8387)

ANNUAL BENEFITS REPORT QUESTIONS – PLEASE CONTACT: 

Performance Analysis and Integrity 202-273-6811 

 

* Indicates toll-free numbers 
Page 88 VETERANS BENEFITS ADMINISTRATION 

VA WEB SITES 

VA HOME PAGE – DEPARTMENT OF VETERANS AFFAIRS http://www.va.gov/

BOARD OF VETERANS APPEALS http://www.va.gov/vbs/bva/index.htm

HEALTH BENEFITS AND SERVICES http://www.va.gov/vbs/health/index.htm

HOMELESS PROGRAM WEB PAGE http://www1.va.gov/homeless/ 

VA HOT TOPICS http://www.va.gov/hottopic/index.htm

NATIONAL CEMETERY ADMINISTRATION HOME PAGE http://www.cem.va.gov/

PUBLIC AFFAIRS AND SPECIAL EVENTS http://www.va.gov/opa/index.htm

VA’S OFFICE OF CONGRESSIONAL AFFAIRS HOME PAGE http://www.va.gov/oca/index.htm

VA OFFICE OF SMALL AND DISADVANTAGED

 BUSINESS UTILIZATION http://www.va.gov/OSDBU/ 

CENTER FOR WOMEN VETERANS http://www.va.gov/womenvet/

VETERANS BENEFITS ADMINISTRATION WEB SITE 

VETERANS BENEFITS ADMINISTRATION http://www.vba.va.gov/

VBA FORMS PAGE http://www.va.gov/vaforms

VA ONLINE BENEFITS APPLICATION http://vabenefits.vba.va.gov/vonapp/main.asp

COMPENSATION AND PENSION BENEFITS HOME PAGE http://www.vba.va.gov/bln/21/index.htm

EDUCATION BENEFITS HOME PAGE http://www.gibill.va.gov/

HOME LOAN GUARANTY HOME PAGE http://www.homeloans.va.gov/

VOCATIONAL REHABILITATION AND EMPLOYMENT HOME PAGE http://www.vba.va.gov/bln/vre/index.htm

LIFE INSURANCE PROGRAM HOME PAGE http://www.insurance.va.gov/

WHITE HOUSE WEB SITE 

WHITE HOUSE http://www.whitehouse.gov/
GLOSSARY Page 89 

AID AND ATTENDANCE – An additional monetary allowance 

payable to individuals who are found to be: 

 In a nursing home or 

 In need of daily care to help with feeding, dressing, or 

keeping clean. 

BENEFITS DELIVERY AT DISCHARGE (BDD) – allows VBA to 

assist active duty personnel in filing for VA benefits immediately prior to the date they separate or retire from active 

duty. VBA provides information about the different VA 

benefits as well as assists in filing a claim for benefits. 

BODY SYSTEMS – Title 38, Code of Federal Regulations, 

Part 4, classifies the various areas of the body into fifteen 

(15) different systems. They are 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 

 

The select diagnostic codes and conditions associated 

with these body systems can be found in the previous appendix. 

BUYER STATUS – A first-time homeowner or previous 

homeowner. 

CASH SURRENDER - A policyholder, upon request, receives 

the cash value that has accrued in his/her life insurance 

policy, and in return surrenders all right, 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 

prohibit them from obtaining and/or maintaining employment. 

CODE OF FEDERAL REGULATIONS (CFR) – A collection of 

the regulations that have been promulgated under United 

States Law. (The Secretary's rules and regulations are 

contained in Title 38 of the 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 zero to 100 in increments of 10) and represents the overall disabling effect of 

all service-connected disabilities on a veteran. 

COMPENSABLE ZEROS – A number of disabilities that although independently evaluated zero percent produce an 

employment handicap to warrant a 10 percent combined 

disability evaluation. This evaluation entitles the veteran 

to receive disability compensation payments. 

COMPUTER SYSTEMS – VBA derives statistical data about 

veterans from multiple sources and from various computer 

systems: e.g. VBA Data Warehouse, Operational Data 

Store, 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). 

GLOSSARY
Page 90 VETERANS BENEFITS ADMINISTRATION 

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 Title 38, Code of Federal 

Regulations, Part 4. 

DIRECT LOAN - A home loan made by the Department of 

Veterans Affairs directly to veterans. This is distinct from 

guaranteed loans, which are made by private lenders and 

guaranteed by VA. 

Disability Compensation – A monetary benefit paid to 

veterans for service-connected disability. 

DISABILITY PENSION – A monetary benefit paid to wartime 

veterans who are age 65 or older, or permanently and 

totally disabled as the result of a 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 DOWN PAYMENT 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. 

ENTITLEMENT (EDU) – The number of months the student 

is eligible for VA education benefits. This is usually expressed in the number of months and days the student will 

be eligible for full-time benefits, or the equivalent in parttime training, but also may be expressed in a dollar 

amount. Entitlement may vary depending on the education program the individual qualifies under. In no event 

will entitlement exceed 48 months under any combination 

of laws. 

ENTITLEMENT (C&P) - Once basic eligibility requirements 

have been met, decisions on entitlement for the respective 

C&P benefits are based on statutory and regulatory requirements and the evidence of record that documents the 

meeting of these requirements. 

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 amount of life insurance money that 

would be paid upon the death of the veteran. For some 

policies, the face value can exceed the basic amount of 

the policy (which is usually $10,000) because of the option 

of using dividends to purchase "paid up additions" to the 

policy. 

FIRST TIME HOMEOWNER – A veteran using his home loan 

entitlement to purchase a home for the first time. 
GLOSSARY Page 91 

FISCAL YEAR – Any yearly accounting or budget period 

without regard to its relationship to the calendar year. 

FISCAL YEAR 2004 – Began October 1, 2003 and ended 

September 30, 2004. The Department of Veterans Affairs 

operates under this schedule for accounting and budgetary 

purposes. 

FORECASTING OF PROGRAM LIABILITIES – Future liabilities 

representing 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 – This is a loan that is federally backed 

by the VA home loan provision. 

HOUSEBOUND – An additional monetary allowance payable 

to those individuals who are confined to their home as a 

result of a permanent disability. 

INDIVIDUAL UNEMPLOYABILITY – The policy of the VA that 

all veterans who are unable to secure and follow a substantially gainful occupation by reason of serviceconnected disability will be rated totally disabled provided 

that the veteran has a single disability rated 60 percent or 

a combined evaluation of 70 percent with one disability 

ratable at 40 percent or higher. 

KICKERS (EDU) – For education benefits, these are 

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, and VEAP. 

LOAN - An amount borrowed against the cash value of a 

permanent plan life insurance policy. 

Loan Defaulted-Guaranty Claim Paid – A term used by 

loan guaranty where the borrower defaults on the loan and 

the VA pays the loan guaranty claim. 

LOAN GUARANTY PROGRAM – The benefit program whereby 

VA guarantees a portion of a loan to lenders to facilitate 

veterans obtaining a home. 

MATURED ENDOWMENT – The face amount of life insurance 

less any indebtedness that is paid to the insured 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 – Montgomery GI Bill, Educational Benefits – 

Refers to 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 – Montgomery GI Bill- Selective Reserve – Refers to 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 of the Ready Reserve of any of 

the reserve components of the Armed Forces. 

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. 

PAID UP ADDITIONS (PUA) – A means for policyholders with 

participating policies to use their annual dividends to purchase additional life insurance. PUA, established in 1972, 

is the only way most policyholders may increase their life 

insurance coverage amount. 
Page 92 VETERANS BENEFITS ADMINISTRATION 

PEACETIME VETERANS – Those veterans who served during 

a period of time not statutorily defined as a period of war. 

PRISONER OF WAR (POW) – Those veterans who were 

forcibly detained (confined) by an enemy, foreign government or hostile force while serving in the active military, 

naval or air service. 

PREVIOUS HOMEOWNER – A person who has had a previous 

ownership interest in a home. 

PROTECTED 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, Code 

of Federal Regulations, Part 4. Extent of disability is expressed as a percentage from zero percent (for conditions 

that exist but are not disabling to a compensable degree) to 

100 percent, in increments of 10 percent. Most disabilities, 

however, do not have every 10 percent increment from 

zero to 100. 

RATING SCHEDULE – Part 4, Title 38, Code of Federal 

Regulations. 

REGIONAL OFFICE (RO) – A VA field office composed of 

divisions which carry out the functions of VBA. Fifty-seven 

such offices currently exist throughout the United States, 

District of Columbia, Puerto Rico, and Manila. 

RESERVIST – (1) A member of the Selected Reserve who is 

eligible for educational assistance under Title 10 of the 

United States Code, Chapter 1606, and who is also a 

member of a military reserve component. (2) A member of 

a reserve component of one of the armed forces and who 

has potential entitlement to certain VA benefits by reason 

of his or her reserve status. 

Restored Entitlement – 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. 

SAS – A group of software programs used to transform 

statistical data into meaningful reports. 

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 

separated from the service on or after April 25, 1951, who 

receive a service-connected disability rating of 0 percent or 

greater. 

SECONDARY MARKET – The financial market where mortgages are bought and sold. 

SERVICE-CONNECTED – A disease or injury determined to 

have occurred in or aggravated by military service. 

SERIOUS EMPLOYMENT HANDICAP – A serious employment 

handicap is a significant impairment, caused in part by a 

service-connected disability, in the veteran's ability to prepare for, obtain, or retain employment consistent with his or 

her abilities, aptitudes, and interests. 

SERVICE MEMBER – An individual who is currently serving 

on active duty. This term is also referred to as “service person”. 

SGLI – Servicemembers Group Life Insurance was established in 1965 to meet the insurance needs of servicemembers. 

SPECIALLY-ADAPTED HOUSING GRANTS – A one-time grant 

to a seriously disabled veteran to assist in adapting his or 

her home to accommodate the residence to the limitations 

caused by the disability. 

SUBSISTENCE ALLOWANCE – A monthly living allowance 

paid to a qualified veteran in a program of vocational rehabilitation. The allowance is generally paid to those veter-
GLOSSARY Page 93 

ans who are enrolled in education or training programs. 

The amount is based on training time and number of 

dependents. 

SURVIVORS’ AND DEPENDENTS’ EDUCATIONAL ASSISTANCE

– This term refers to Chapter 35 of Title 38, U.S. Code, a 

monetary educational benefit payable to eligible dependents and survivors of veterans. It is often abbreviated 

simply as DEA (Dependents Educational Assistance). 

TITLE 38 Code of Federal Regulations – Regulations 

that pertain to Veterans Benefits. 

TOTAL DISABILITY INCOME - 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 prescribe a 

100 percent evaluation, or where less than 100 percent, 

the requirements for Individual Unemployability are met. 

Permanence of total disability is considered to exist 

when the impairment is reasonably certain to continue 

throughout the life of the disabled veteran and generally 

requires no future medical exams. 

USGLI – United States Government Life Insurance was 

established in 1919 to meet the insurance needs of 

World War I veterans. This program closed in 1940. 

VEAP – Refers to the Veterans Educational Assistance 

Program (Chapter 32 of Title 38, U.S. Code) and 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. 

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 – Vocational Rehabilitation and Employment 

(VR&E) programs are available to help service disabled 

veterans to become employable while achieving their 

independence. 

VRI – Veterans’ Reopened Insurance was established in 

1965 to provide insurance protection for certain classes 

of disabled veterans from World War II and the Korean 

Conflict. 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. 
Page 94 Veterans Benefits Administration 

VBA Summary

Compensation and Pension

Estimated Veteran Population 24,793,336

Disability Compensation Recipients 2,555,696

Estimated Monthly Disability Compensation Costs by Residence $1,715,977,396

Estimated Annual Disability Compensation Costs by Residence $20,591,728,748

Disability Compensation by Age under 35 194,106

Disability Compensation by Age 35-54 814,785

Disability Compensation by Age 55-74 1,032,408

Disability Compensation by Age 75-84 403,408

Disability Compensation by Age 85 and over 110,989

Disability Pension Recipients by Residence 342,903

Estimated Monthly Disability Pension Costs by Residence $203,893,947

Estimated Annual Disability Pension Costs by Residence $2,446,727,368

Disability Pension by Age under 45 3,451

Disability Pension by Age 45-54 58,070

Disability Pension by Age 55-69 97,574

Disability Pension by Age 70-84 151,515

Disability Pension by Age 85 and over 32,293

Disability Compensation Recipients with Power of Attorney 1,618,288

Disability Pension Recipients with Power of Attorney 251,809

Education

MGIB-AD Trainees 332,031

MGIB-SR Trainees 88,650

DEA Trainees 68,920

VEAP Trainees 796

Insurance

Life Insurance Payments $1,867,222,516

Total Face Value of Insurance $18,878,035,974

Total Number of Policies 1,750,372

Loan Guaranty

Number of Loans 335,788

Total Loan Amount $44,130,600,603

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months* 8,392 

 

(*data for Vocation Rehabilitation and Employment are presented by Regional Office)
Benefit s by State Page 95 

Alabama 

Compensation and Pension

Estimated Veteran Population 426,322

Disability Compensation Recipients 55,334

Estimated Average Monthly Disability Compensation Costs by Residence $36,132,353

Estimated Annual Disability Compensation Costs by Residence $433,588,240

Disability Compensation by Age under 35 3,499

Disability Compensation by Age 35-54 19,197

Disability Compensation by Age 55-74 24,077

Disability Compensation by Age 75-84 6,956

Disability Compensation by Age 85 and over 1,605

Disability Pension Recipients by Residence 10,237

Estimated Average Monthly Disability Pension Costs by Residence $7,165,460

Estimated Annual Disability Pension Costs by Residence $85,985,520

Disability Pension by Age under 45 87

Disability Pension by Age 45-54 1,158

Disability Pension by Age 55-69 1,975

Disability Pension by Age 70-84 5,633

Disability Pension by Age 85 and over 1,384

Disability Compensation Recipients with Power of Attorney 37,654

Disability Pension Recipients with Power of Attorney 9,294

Education

MGIB-AD Trainees 4,718

MGIB-SR Trainees 1,932

DEA Trainees 2,008

VEAP Trainees 13

Insurance

Life Insurance Payments $27,566,095

Total Face Value of Insurance $278,155,022

Total Number of Policies 23,393

Loan Guaranty

Number of Loans 6,411

Total Loan Amount $742,340,801

Vocational Rehabilitation and Employment 

Number of Veterans obtaining suitable employment past 12 months 415
Page 96 Veterans Benefits Administration 

Alaska 

Compensation and Pension

Estimated Veteran Population 67,299

Disability Compensation Recipients 11,428

Estimated Average Monthly Disability Compensation Costs by Residence $7,465,132

Estimated Annual Disability Compensation Costs by Residence $89,581,578

Disability Compensation by Age under 35 1,011

Disability Compensation by Age 35-54 5,732

Disability Compensation by Age 55-74 4,062

Disability Compensation by Age 75-84 534

Disability Compensation by Age 85 and over 89

Disability Pension Recipients by Residence 324

Estimated Average Monthly Disability Pension Costs by Residence $209,002

Estimated Annual Disability Pension Costs by Residence $2,508,026

Disability Pension by Age under 45 3

Disability Pension by Age 45-54 105

Disability Pension by Age 55-69 163

Disability Pension by Age 70-84 48

Disability Pension by Age 85 and over 5

Disability Compensation Recipients with Power of Attorney 8,347

Disability Pension Recipients with Power of Attorney 201

Education

MGIB-AD Trainees 1,001

MGIB-SR Trainees 190

DEA Trainees 158

VEAP Trainees 3

Insurance

Life Insurance Payments $2,531,799

Total Face Value of Insurance $25,547,056

Total Number of Policies 2,117

Loan Guaranty

Number of Loans 3,046

Total Loan Amount $539,307,926

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 72
Benefit s by State Page 97 

Arizona 

Compensation and Pension

Estimated Veteran Population 555,223

Disability Compensation Recipients 57,893

Estimated Average Monthly Disability Compensation Costs by Residence $41,294,828

Estimated Annual Disability Compensation Costs by Residence $495,537,939

Disability Compensation by Age under 35 4,632

Disability Compensation by Age 35-54 17,821

Disability Compensation by Age 55-74 23,926

Disability Compensation by Age 75-84 9,219

Disability Compensation by Age 85 and over 2,295

Disability Pension Recipients by Residence 5,321

Estimated Average Monthly Disability Pension Costs by Residence $2,886,221

Estimated Annual Disability Pension Costs by Residence $34,634,650

Disability Pension by Age under 45 60

Disability Pension by Age 45-54 1,002

Disability Pension by Age 55-69 1,706

Disability Pension by Age 70-84 2,170

Disability Pension by Age 85 and over 383

Disability Compensation Recipients with Power of Attorney 35,397

Disability Pension Recipients with Power of Attorney 3,647

Education

MGIB-AD Trainees 18,672

MGIB-SR Trainees 1,592

DEA Trainees 1,949

VEAP Trainees 17

Insurance

Life Insurance Payments $43,002,483

Total Face Value of Insurance $433,915,516

Total Number of Policies 39,523

Loan Guaranty

Number of Loans 13,123

Total Loan Amount $1,857,930,217

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 301
Page 98 Veterans Benefits Administration 

Arkansas 

Compensation and Pension

Estimated Veteran Population 268,353

Disability Compensation Recipients 31,816

Estimated Average Monthly Disability Compensation Costs by Residence $27,390,154

Estimated Annual Disability Compensation Costs by Residence $328,681,851

Disability Compensation by Age under 35 2,175

Disability Compensation by Age 35-54 10,081

Disability Compensation by Age 55-74 13,604

Disability Compensation by Age 75-84 4,674

Disability Compensation by Age 85 and over 1,282

Disability Pension Recipients by Residence 6,283

Estimated Average Monthly Disability Pension Costs by Residence $3,441,259

Estimated Annual Disability Pension Costs by Residence $41,295,104

Disability Pension by Age under 45 73

Disability Pension by Age 45-54 980

Disability Pension by Age 55-69 1,647

Disability Pension by Age 70-84 2,834

Disability Pension by Age 85 and over 749

Disability Compensation Recipients with Power of Attorney 21,451

Disability Pension Recipients with Power of Attorney 5,060

Education

MGIB-AD Trainees 2,254

MGIB-SR Trainees 1,351

DEA Trainees 1,314

VEAP Trainees 5

Insurance

Life Insurance Payments $17,319,109

Total Face Value of Insurance $174,758,051

Total Number of Policies 15,303

Loan Guaranty

Number of Loans 4,267

Total Loan Amount $434,650,695

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 99
Benefit s by State Page 99 

California 

Compensation and Pension

Estimated Veteran Population 2,310,968

Disability Compensation Recipients 219,325

Estimated Average Monthly Disability Compensation Costs by Residence $144,598,518

Estimated Annual Disability Compensation Costs by Residence $1,735,182,219

Disability Compensation by Age under 35 19,409

Disability Compensation by Age 35-54 65,523

Disability Compensation by Age 55-74 87,818

Disability Compensation by Age 75-84 36,069

Disability Compensation by Age 85 and over 10,506

Disability Pension Recipients by Residence 23,772

Estimated Average Monthly Disability Pension Costs by Residence $13,695,026

Estimated Annual Disability Pension Costs by Residence $164,340,311

Disability Pension by Age under 45 288

Disability Pension by Age 45-54 4,941

Disability Pension by Age 55-69 7,743

Disability Pension by Age 70-84 8,985

Disability Pension by Age 85 and over 1,815

Disability Compensation Recipients with Power of Attorney 146,290

Disability Pension Recipients with Power of Attorney 18,793

Education

MGIB-AD Trainees 35,734

MGIB-SR Trainees 4,768

DEA Trainees 6,182

VEAP Trainees 80

Insurance

Life Insurance Payments $192,099,460

Total Face Value of Insurance $1,938,374,977

Total Number of Policies 174,999

Loan Guaranty

Number of Loans 10,805

Total Loan Amount $1,701,925,349

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 547
Page 100 Veterans Benefits Administration 

Colorado 

Compensation and Pension

Estimated Veteran Population 427,956

Disability Compensation Recipients 48,758

Estimated Average Monthly Disability Compensation Costs by Residence $31,030,474

Estimated Annual Disability Compensation Costs by Residence $372,365,686

Disability Compensation by Age under 35 4,472

Disability Compensation by Age 35-54 18,540

Disability Compensation by Age 55-74 18,734

Disability Compensation by Age 75-84 5,541

Disability Compensation by Age 85 and over 1,471

Disability Pension Recipients by Residence 3,592

Estimated Average Monthly Disability Pension Costs by Residence $2,223,838

Estimated Annual Disability Pension Costs by Residence $26,686,052

Disability Pension by Age under 45 46

Disability Pension by Age 45-54 773

Disability Pension by Age 55-69 1,061

Disability Pension by Age 70-84 1,412

Disability Pension by Age 85 and over 300

Disability Compensation Recipients with Power of Attorney 31,273

Disability Pension Recipients with Power of Attorney 3,035

Education

MGIB-AD Trainees 8,073

MGIB-SR Trainees 807

DEA Trainees 1,289

VEAP Trainees 17

Insurance

Life Insurance Payments $29,641,654

Total Face Value of Insurance $299,098,395

Total Number of Policies 27,538

Loan Guaranty

Number of Loans 11,021

Total Loan Amount $1,856,151,695

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 336
Benefit s by State Page 101 

Connecticut 

Compensation and Pension

Estimated Veteran Population 268,975

Disability Compensation Recipients 19,974

Estimated Average Monthly Disability Compensation Costs by Residence $11,647,340

Estimated Annual Disability Compensation Costs by Residence $139,768,080

Disability Compensation by Age under 35 1,261

Disability Compensation by Age 35-54 4,881

Disability Compensation by Age 55-74 7,509

Disability Compensation by Age 75-84 4,679

Disability Compensation by Age 85 and over 1,644

Disability Pension Recipients by Residence 1,892

Estimated Average Monthly Disability Pension Costs by Residence $773,296

Estimated Annual Disability Pension Costs by Residence $9,279,554

Disability Pension by Age under 45 10

Disability Pension by Age 45-54 267

Disability Pension by Age 55-69 497

Disability Pension by Age 70-84 849

Disability Pension by Age 85 and over 269

Disability Compensation Recipients with Power of Attorney 9,636

Disability Pension Recipients with Power of Attorney 1,313

Education

MGIB-AD Trainees 1,560

MGIB-SR Trainees 1,075

DEA Trainees 314

VEAP Trainees 7

Insurance

Life Insurance Payments $28,720,301

Total Face Value of Insurance $289,801,505

Total Number of Policies 28,493

Loan Guaranty

Number of Loans 1,133

Total Loan Amount $172,199,141

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 53
Page 102 Veterans Benefits Administration 

Delaware 

Compensation and Pension

Estimated Veteran Population 80,751

Disability Compensation Recipients 7,645

Estimated Average Monthly Disability Compensation Costs by Residence $4,465,478

Estimated Annual Disability Compensation Costs by Residence $53,585,735

Disability Compensation by Age under 35 500

Disability Compensation by Age 35-54 2,731

Disability Compensation by Age 55-74 3,062

Disability Compensation by Age 75-84 1,086

Disability Compensation by Age 85 and over 266

Disability Pension Recipients by Residence 595

Estimated Average Monthly Disability Pension Costs by Residence $308,914

Estimated Annual Disability Pension Costs by Residence $3,706,972

Disability Pension by Age under 45 4

Disability Pension by Age 45-54 108

Disability Pension by Age 55-69 167

Disability Pension by Age 70-84 257

Disability Pension by Age 85 and over 59

Disability Compensation Recipients with Power of Attorney 4,428

Disability Pension Recipients with Power of Attorney 381

Education

MGIB-AD Trainees 619

MGIB-SR Trainees 346

DEA Trainees 176

VEAP Trainees 2

Insurance

Life Insurance Payments $6,315,966

Total Face Value of Insurance $63,731,107

Total Number of Policies 5,901

Loan Guaranty

Number of Loans 1,607

Total Loan Amount $242,877,584

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 50
Benefit s by State Page 103 

District of Columbia 

Compensation and Pension

Estimated Veteran Population 37,377

Disability Compensation Recipients 4,309

Estimated Average Monthly Disability Compensation Costs by Residence $2,714,320

Estimated Annual Disability Compensation Costs by Residence $32,571,845

Disability Compensation by Age under 35 249

Disability Compensation by Age 35-54 1,390

Disability Compensation by Age 55-74 1,734

Disability Compensation by Age 75-84 668

Disability Compensation by Age 85 and over 268

Disability Pension Recipients by Residence 1,030

Estimated Average Monthly Disability Pension Costs by Residence $579,100

Estimated Annual Disability Pension Costs by Residence $6,949,206

Disability Pension by Age under 45 9

Disability Pension by Age 45-54 201

Disability Pension by Age 55-69 283

Disability Pension by Age 70-84 480

Disability Pension by Age 85 and over 57

Disability Compensation Recipients with Power of Attorney 2,167

Disability Pension Recipients with Power of Attorney 415

Education

MGIB-AD Trainees 802

MGIB-SR Trainees 109

DEA Trainees 160

VEAP Trainees 4

Insurance

Life Insurance Payments $3,335,956

Total Face Value of Insurance $33,661,384

Total Number of Policies 3,051

Loan Guaranty

Number of Loans 144

Total Loan Amount $19,672,806

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 159
Page 104 Veterans Benefits Administration 

Florida 

Compensation and Pension

Estimated Veteran Population 1,788,496

Disability Compensation Recipients 208,296

Estimated Average Monthly Disability Compensation Costs by Residence $137,554,358

Estimated Annual Disability Compensation Costs by Residence $1,650,652,299

Disability Compensation by Age under 35 12,894

Disability Compensation by Age 35-54 63,459

Disability Compensation by Age 55-74 82,793

Disability Compensation by Age 75-84 38,164

Disability Compensation by Age 85 and over 10,986

Disability Pension Recipients by Residence 22,820

Estimated Average Monthly Disability Pension Costs by Residence $14,285,671

Estimated Annual Disability Pension Costs by Residence $171,428,054

Disability Pension by Age under 45 233

Disability Pension by Age 45-54 3,830

Disability Pension by Age 55-69 6,767

Disability Pension by Age 70-84 9,630

Disability Pension by Age 85 and over 2,360

Disability Compensation Recipients with Power of Attorney 139,431

Disability Pension Recipients with Power of Attorney 19,383

Education

MGIB-AD Trainees 23,971

MGIB-SR Trainees 3,453

DEA Trainees 4,346

VEAP Trainees 45

Insurance

Life Insurance Payments $172,180,507

Total Face Value of Insurance $1,737,383,260

Total Number of Policies 161,526

Loan Guaranty

Number of Loans 25,351

Total Loan Amount $3,321,257,516

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 470
Benefit s by State Page 105 

Georgia 

Compensation and Pension

Estimated Veteran Population 760,323

Disability Compensation Recipients 87,868

Estimated Average Monthly Disability Compensation Costs by Residence $54,060,614

Estimated Annual Disability Compensation Costs by Residence $648,727,363

Disability Compensation by Age under 35 7,611

Disability Compensation by Age 35-54 36,856

Disability Compensation by Age 55-74 33,362

Disability Compensation by Age 75-84 8,155

Disability Compensation by Age 85 and over 1,884

Disability Pension Recipients by Residence 11,450

Estimated Average Monthly Disability Pension Costs by Residence $6,759,488

Estimated Annual Disability Pension Costs by Residence $81,113,860

Disability Pension by Age under 45 138

Disability Pension by Age 45-54 1,885

Disability Pension by Age 55-69 3,183

Disability Pension by Age 70-84 5,054

Disability Pension by Age 85 and over 1,190

Disability Compensation Recipients with Power of Attorney 51,399

Disability Pension Recipients with Power of Attorney 9,740

Education

MGIB-AD Trainees 14,367

MGIB-SR Trainees 175

DEA Trainees 2,394

VEAP Trainees 21

Insurance

Life Insurance Payments $45,028,678

Total Face Value of Insurance $454,360,794

Total Number of Policies 39,005

Loan Guaranty

Number of Loans 16,722

Total Loan Amount $2,139,781,624

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 284
Page 106 Veterans Benefits Administration 

Hawaii 

Compensation and Pension

Estimated Veteran Population 107,310

Disability Compensation Recipients 13,829

Estimated Average Monthly Disability Compensation Costs by Residence $9,496,343

Estimated Annual Disability Compensation Costs by Residence $113,956,115

Disability Compensation by Age under 35 911

Disability Compensation by Age 35-54 4,619

Disability Compensation by Age 55-74 5,732

Disability Compensation by Age 75-84 1,999

Disability Compensation by Age 85 and over 568

Disability Pension Recipients by Residence 778

Estimated Average Monthly Disability Pension Costs by Residence $483,168

Estimated Annual Disability Pension Costs by Residence $5,798,015

Disability Pension by Age under 45 9

Disability Pension by Age 45-54 176

Disability Pension by Age 55-69 324

Disability Pension by Age 70-84 234

Disability Pension by Age 85 and over 35

Disability Compensation Recipients with Power of Attorney 6,226

Disability Pension Recipients with Power of Attorney 324

Education

MGIB-AD Trainees 2,155

MGIB-SR Trainees 770

DEA Trainees 350

VEAP Trainees 6

Insurance

Life Insurance Payments $15,191,730

Total Face Value of Insurance $153,291,782

Total Number of Policies 12,378

Loan Guaranty

Number of Loans 916

Total Loan Amount $172,277,679

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 75
Benefit s by State Page 107 

Idaho 

Compensation and Pension

Estimated Veteran Population 133,183

Disability Compensation Recipients 14,910

Estimated Average Monthly Disability Compensation Costs by Residence $10,286,341

Estimated Annual Disability Compensation Costs by Residence $123,436,088

Disability Compensation by Age under 35 1,291

Disability Compensation by Age 35-54 4,790

Disability Compensation by Age 55-74 6,157

Disability Compensation by Age 75-84 2,150

Disability Compensation by Age 85 and over 522

Disability Pension Recipients by Residence 1,482

Estimated Average Monthly Disability Pension Costs by Residence $895,416

Estimated Annual Disability Pension Costs by Residence $10,744,987

Disability Pension by Age under 45 7

Disability Pension by Age 45-54 220

Disability Pension by Age 55-69 403

Disability Pension by Age 70-84 709

Disability Pension by Age 85 and over 143

Disability Compensation Recipients with Power of Attorney 11,197

Disability Pension Recipients with Power of Attorney 1,232

Education

MGIB-AD Trainees 1,652

MGIB-SR Trainees 695

DEA Trainees 357

VEAP Trainees 4

Insurance

Life Insurance Payments $8,442,616

Total Face Value of Insurance $85,190,018

Total Number of Policies 7,775

Loan Guaranty

Number of Loans 2,922

Total Loan Amount $346,549,290
Page 108 Veterans Benefits Administration 

Illinois 

Compensation and Pension

Estimated Veteran Population 896,640

Disability Compensation Recipients 59,674

Estimated Average Monthly Disability Compensation Costs by Residence $34,728,938

Estimated Annual Disability Compensation Costs by Residence $416,747,255

Disability Compensation by Age under 35 5,895

Disability Compensation by Age 35-54 17,802

Disability Compensation by Age 55-74 22,611

Disability Compensation by Age 75-84 10,389

Disability Compensation by Age 85 and over 2,977

Disability Pension Recipients by Residence 10,356

Estimated Average Monthly Disability Pension Costs by Residence $6,086,264

Estimated Annual Disability Pension Costs by Residence $73,035,165

Disability Pension by Age under 45 94

Disability Pension by Age 45-54 1,896

Disability Pension by Age 55-69 3,389

Disability Pension by Age 70-84 4,226

Disability Pension by Age 85 and over 751

Disability Compensation Recipients with Power of Attorney 34,641

Disability Pension Recipients with Power of Attorney 6,261

Education

MGIB-AD Trainees 14,269

MGIB-SR Trainees 4,080

DEA Trainees 1,556

VEAP Trainees 30

Insurance

Life Insurance Payments $71,324,754

Total Face Value of Insurance $719,700,712

Total Number of Policies 68,593

Loan Guaranty

Number of Loans 7,994

Total Loan Amount $1,056,569,414

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 128
Benefit s by State Page 109 

Indiana 

Compensation and Pension

Estimated Veteran Population 550,871

Disability Compensation Recipients 43,805

Estimated Average Monthly Disability Compensation Costs by Residence $25,526,372

Estimated Annual Disability Compensation Costs by Residence $306,316,466

Disability Compensation by Age under 35 3,356

Disability Compensation by Age 35-54 14,262

Disability Compensation by Age 55-74 17,425

Disability Compensation by Age 75-84 7,132

Disability Compensation by Age 85 and over 1,630

Disability Pension Recipients by Residence 4,834

Estimated Average Monthly Disability Pension Costs by Residence $2,702,469

Estimated Annual Disability Pension Costs by Residence $32,429,622

Disability Pension by Age under 45 49

Disability Pension by Age 45-54 907

Disability Pension by Age 55-69 1,507

Disability Pension by Age 70-84 2,045

Disability Pension by Age 85 and over 326

Disability Compensation Recipients with Power of Attorney 25,811

Disability Pension Recipients with Power of Attorney 2,979

Education

MGIB-AD Trainees 4,127

MGIB-SR Trainees 2,292

DEA Trainees 947

VEAP Trainees 13

Insurance

Life Insurance Payments $27,126,304

Total Face Value of Insurance $273,717,315

Total Number of Policies 26,069

Loan Guaranty

Number of Loans 6,165

Total Loan Amount $710,806,627

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 101
Page 110 Veterans Benefits Administration 

Iowa 

Compensation and Pension

Estimated Veteran Population 265,960

Disability Compensation Recipients 19,865

Estimated Average Monthly Disability Compensation Costs by Residence $12,617,950

Estimated Annual Disability Compensation Costs by Residence $151,415,401

Disability Compensation by Age under 35 1,371

Disability Compensation by Age 35-54 5,890

Disability Compensation by Age 55-74 7,613

Disability Compensation by Age 75-84 3,811

Disability Compensation by Age 85 and over 1,180

Disability Pension Recipients by Residence 3,611

Estimated Average Monthly Disability Pension Costs by Residence $2,254,585

Estimated Annual Disability Pension Costs by Residence $27,055,022

Disability Pension by Age under 45 36

Disability Pension by Age 45-54 596

Disability Pension by Age 55-69 905

Disability Pension by Age 70-84 1,685

Disability Pension by Age 85 and over 389

Disability Compensation Recipients with Power of Attorney 13,259

Disability Pension Recipients with Power of Attorney 2,799

Education

MGIB-AD Trainees 2,754

MGIB-SR Trainees 1,707

DEA Trainees 494

VEAP Trainees 7

Insurance

Life Insurance Payments $19,917,113

Total Face Value of Insurance $200,973,148

Total Number of Policies 19,925

Loan Guaranty

Number of Loans 1,722

Total Loan Amount $188,836,928

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 54
Benefit s by State Page 111 

Kansas 

Compensation and Pension

Estimated Veteran Population 246,359

Disability Compensation Recipients 23,485

Estimated Average Monthly Disability Compensation Costs by Residence $14,425,312

Estimated Annual Disability Compensation Costs by Residence $173,103,738

Disability Compensation by Age under 35 1,665

Disability Compensation by Age 35-54 7,834

Disability Compensation by Age 55-74 9,291

Disability Compensation by Age 75-84 3,733

Disability Compensation by Age 85 and over 962

Disability Pension Recipients by Residence 3,145

Estimated Average Monthly Disability Pension Costs by Residence $1,886,183

Estimated Annual Disability Pension Costs by Residence $22,634,194

Disability Pension by Age under 45 37

Disability Pension by Age 45-54 596

Disability Pension by Age 55-69 863

Disability Pension by Age 70-84 1,330

Disability Pension by Age 85 and over 319

Disability Compensation Recipients with Power of Attorney 16,320

Disability Pension Recipients with Power of Attorney 2,807

Education

MGIB-AD Trainees 3,098

MGIB-SR Trainees 1,180

DEA Trainees 718

VEAP Trainees 7

Insurance

Life Insurance Payments $17,660,254

Total Face Value of Insurance $178,200,367

Total Number of Policies 16,958

Loan Guaranty

Number of Loans 3,614

Total Loan Amount $390,396,428

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 73
Page 112 Veterans Benefits Administration 

Kentucky 

Compensation and Pension

Estimated Veteran Population 359,845

Disability Compensation Recipients 39,053

Estimated Average Monthly Disability Compensation Costs by Residence $28,587,315

Estimated Annual Disability Compensation Costs by Residence $343,047,775

Disability Compensation by Age under 35 3,043

Disability Compensation by Age 35-54 12,780

Disability Compensation by Age 55-74 15,758

Disability Compensation by Age 75-84 6,093

Disability Compensation by Age 85 and over 1,379

Disability Pension Recipients by Residence 7,176

Estimated Average Monthly Disability Pension Costs by Residence $4,152,598

Estimated Annual Disability Pension Costs by Residence $49,831,179

Disability Pension by Age under 45 57

Disability Pension by Age 45-54 1,050

Disability Pension by Age 55-69 1,942

Disability Pension by Age 70-84 3,476

Disability Pension by Age 85 and over 651

Disability Compensation Recipients with Power of Attorney 25,189

Disability Pension Recipients with Power of Attorney 5,413

Education

MGIB-AD Trainees 3,726

MGIB-SR Trainees 1,465

DEA Trainees 1,191

VEAP Trainees 9

Insurance

Life Insurance Payments $19,010,373

Total Face Value of Insurance $191,823,711

Total Number of Policies 17,343

Loan Guaranty

Number of Loans 4,284

Total Loan Amount $490,669,475

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 258
Benefit s by State Page 113 

Louisiana

 

Compensation and Pension

Estimated Veteran Population 366,957

Disability Compensation Recipients 36,996

Estimated Average Monthly Disability Compensation Costs by Residence $27,238,355

Estimated Annual Disability Compensation Costs by Residence $326,860,262

Disability Compensation by Age under 35 3,371

Disability Compensation by Age 35-54 11,149

Disability Compensation by Age 55-74 15,810

Disability Compensation by Age 75-84 5,398

Disability Compensation by Age 85 and over 1,268

Disability Pension Recipients by Residence 10,269

Estimated Average Monthly Disability Pension Costs by Residence $6,091,527

Estimated Annual Disability Pension Costs by Residence $73,098,318

Disability Pension by Age under 45 122

Disability Pension by Age 45-54 1,659

Disability Pension by Age 55-69 2,584

Disability Pension by Age 70-84 4,842

Disability Pension by Age 85 and over 1,062

Disability Compensation Recipients with Power of Attorney 27,130

Disability Pension Recipients with Power of Attorney 8,641

Education

MGIB-AD Trainees 4,693

MGIB-SR Trainees 3,052

DEA Trainees 1,429

VEAP Trainees 7

Insurance

Life Insurance Payments $23,485,132

Total Face Value of Insurance $236,976,156

Total Number of Policies 20,162

Loan Guaranty

Number of Loans 4,354

Total Loan Amount $506,551,855

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 136
Page 114 Veterans Benefits Administration 

Maine 

Compensation and Pension

Estimated Veteran Population 143,726

Disability Compensation Recipients 19,142

Estimated Average Monthly Disability Compensation Costs by Residence $17,481,595

Estimated Annual Disability Compensation Costs by Residence $209,779,137

Disability Compensation by Age under 35 1,362

Disability Compensation by Age 35-54 5,997

Disability Compensation by Age 55-74 8,307

Disability Compensation by Age 75-84 2,765

Disability Compensation by Age 85 and over 711

Disability Pension Recipients by Residence 2,846

Estimated Average Monthly Disability Pension Costs by Residence $1,642,813

Estimated Annual Disability Pension Costs by Residence $19,713,761

Disability Pension by Age under 45 25

Disability Pension by Age 45-54 550

Disability Pension by Age 55-69 880

Disability Pension by Age 70-84 1,173

Disability Pension by Age 85 and over 218

Disability Compensation Recipients with Power of Attorney 13,328

Disability Pension Recipients with Power of Attorney 2,184

Education

MGIB-AD Trainees 1,055

MGIB-SR Trainees 357

DEA Trainees 690

VEAP Trainees 4

Insurance

Life Insurance Payments $10,998,714

Total Face Value of Insurance $110,982,262

Total Number of Policies 9,932

Loan Guaranty

Number of Loans 1,002

Total Loan Amount $127,354,091

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 43
Benefit s by State Page 115 

Maryland 

Compensation and Pension

Estimated Veteran Population 486,298

Disability Compensation Recipients 47,800

Estimated Average Monthly Disability Compensation Costs by Residence $27,944,329

Estimated Annual Disability Compensation Costs by Residence $335,331,944

Disability Compensation by Age under 35 4,166

Disability Compensation by Age 35-54 18,410

Disability Compensation by Age 55-74 17,572

Disability Compensation by Age 75-84 5,988

Disability Compensation by Age 85 and over 1,664

Disability Pension Recipients by Residence 3,887

Estimated Average Monthly Disability Pension Costs by Residence $2,211,416

Estimated Annual Disability Pension Costs by Residence $26,536,988

Disability Pension by Age under 45 48

Disability Pension by Age 45-54 727

Disability Pension by Age 55-69 1,184

Disability Pension by Age 70-84 1,673

Disability Pension by Age 85 and over 255

Disability Compensation Recipients with Power of Attorney 21,326

Disability Pension Recipients with Power of Attorney 1,932

Education

MGIB-AD Trainees 8,553

MGIB-SR Trainees 1,247

DEA Trainees 906

VEAP Trainees 21

Insurance

Life Insurance Payments $37,993,544

Total Face Value of Insurance $383,372,937

Total Number of Policies 35,100

Loan Guaranty

Number of Loans 12,023

Total Loan Amount $1,913,269,020

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 132
Page 116 Veterans Benefits Administration 

Massachusetts

 

Compensation and Pension

Estimated Veteran Population 490,882

Disability Compensation Recipients 55,181

Estimated Average Monthly Disability Compensation Costs by Residence $35,186,079

Estimated Annual Disability Compensation Costs by Residence $422,232,952

Disability Compensation by Age under 35 2,515

Disability Compensation by Age 35-54 11,105

Disability Compensation by Age 55-74 22,200

Disability Compensation by Age 75-84 14,747

Disability Compensation by Age 85 and over 4,614

Disability Pension Recipients by Residence 4,526

Estimated Average Monthly Disability Pension Costs by Residence $2,374,290

Estimated Annual Disability Pension Costs by Residence $28,491,478

Disability Pension by Age under 45 48

Disability Pension by Age 45-54 796

Disability Pension by Age 55-69 1,323

Disability Pension by Age 70-84 1,955

Disability Pension by Age 85 and over 404

Disability Compensation Recipients with Power of Attorney 29,271

Disability Pension Recipients with Power of Attorney 2,616

Education

MGIB-AD Trainees 2,973

MGIB-SR Trainees 1,485

DEA Trainees 1,000

VEAP Trainees 17

Insurance

Life Insurance Payments $49,698,949

Total Face Value of Insurance $501,486,047

Total Number of Policies 51,797

Loan Guaranty

Number of Loans 1,080

Total Loan Amount $170,876,564

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 97
Benefit s by State Page 117 

Michigan

 

Compensation and Pension

Estimated Veteran Population 836,950

Disability Compensation Recipients 62,404

Estimated Average Monthly Disability Compensation Costs by Residence $36,568,679

Estimated Annual Disability Compensation Costs by Residence $438,824,144

Disability Compensation by Age under 35 4,335

Disability Compensation by Age 35-54 17,446

Disability Compensation by Age 55-74 25,214

Disability Compensation by Age 75-84 12,268

Disability Compensation by Age 85 and over 3,141

Disability Pension Recipients by Residence 8,833

Estimated Average Monthly Disability Pension Costs by Residence $5,690,526

Estimated Annual Disability Pension Costs by Residence $68,286,315

Disability Pension by Age under 45 116

Disability Pension by Age 45-54 1,919

Disability Pension by Age 55-69 3,196

Disability Pension by Age 70-84 3,066

Disability Pension by Age 85 and over 536

Disability Compensation Recipients with Power of Attorney 40,673

Disability Pension Recipients with Power of Attorney 7,168

Education

MGIB-AD Trainees 6,903

MGIB-SR Trainees 1,908

DEA Trainees 1,331

VEAP Trainees 27

Insurance

Life Insurance Payments $50,879,552

Total Face Value of Insurance $513,398,890

Total Number of Policies 50,406

Loan Guaranty

Number of Loans 5,119

Total Loan Amount $643,559,655

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 124
Page 118 Veterans Benefits Administration 

Minnesota 

Compensation and Pension

Estimated Veteran Population 426,591

Disability Compensation Recipients 41,755

Estimated Average Monthly Disability Compensation Costs by Residence $27,885,093

Estimated Annual Disability Compensation Costs by Residence $334,621,117

Disability Compensation by Age under 35 2,650

Disability Compensation by Age 35-54 11,183

Disability Compensation by Age 55-74 17,151

Disability Compensation by Age 75-84 8,174

Disability Compensation by Age 85 and over 2,597

Disability Pension Recipients by Residence 4,959

Estimated Average Monthly Disability Pension Costs by Residence $2,749,790

Estimated Annual Disability Pension Costs by Residence $32,997,477

Disability Pension by Age under 45 27

Disability Pension by Age 45-54 664

Disability Pension by Age 55-69 1,177

Disability Pension by Age 70-84 2,379

Disability Pension by Age 85 and over 712

Disability Compensation Recipients with Power of Attorney 32,445

Disability Pension Recipients with Power of Attorney 4,486

Education

MGIB-AD Trainees 3,579

MGIB-SR Trainees 2,371

DEA Trainees 1,170

VEAP Trainees 17

Insurance

Life Insurance Payments $40,051,304

Total Face Value of Insurance $404,136,716

Total Number of Policies 38,580

Loan Guaranty

Number of Loans 2,768

Total Loan Amount $402,995,862

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 90
Benefit s by State Page 119 

Mississippi 

Compensation and Pension

Estimated Veteran Population 240,109

Disability Compensation Recipients 26,035

Estimated Average Monthly Disability Compensation Costs by Residence $18,817,981

Estimated Annual Disability Compensation Costs by Residence $225,815,769

Disability Compensation by Age under 35 1,559

Disability Compensation by Age 35-54 8,238

Disability Compensation by Age 55-74 11,143

Disability Compensation by Age 75-84 4,130

Disability Compensation by Age 85 and over 965

Disability Pension Recipients by Residence 6,602

Estimated Average Monthly Disability Pension Costs by Residence $3,596,341

Estimated Annual Disability Pension Costs by Residence $43,156,090

Disability Pension by Age under 45 50

Disability Pension by Age 45-54 753

Disability Pension by Age 55-69 1,326

Disability Pension by Age 70-84 3,563

Disability Pension by Age 85 and over 910

Disability Compensation Recipients with Power of Attorney 15,703

Disability Pension Recipients with Power of Attorney 4,937

Education

MGIB-AD Trainees 2,158

MGIB-SR Trainees 1,856

DEA Trainees 746

VEAP Trainees 4

Insurance

Life Insurance Payments $14,491,679

Total Face Value of Insurance $146,227,943

Total Number of Policies 12,359

Loan Guaranty

Number of Loans 3,263

Total Loan Amount $366,795,672

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 50
Page 120 Veterans Benefits Administration 

Missouri 

Compensation and Pension

Estimated Veteran Population 554,531

Disability Compensation Recipients 48,673

Estimated Average Monthly Disability Compensation Costs by Residence $32,363,324

Estimated Annual Disability Compensation Costs by Residence $388,359,882

Disability Compensation by Age under 35 3,252

Disability Compensation by Age 35-54 15,382

Disability Compensation by Age 55-74 19,967

Disability Compensation by Age 75-84 8,014

Disability Compensation by Age 85 and over 2,058

Disability Pension Recipients by Residence 8,553

Estimated Average Monthly Disability Pension Costs by Residence $5,411,334

Estimated Annual Disability Pension Costs by Residence $64,936,013

Disability Pension by Age under 45 60

Disability Pension by Age 45-54 1,497

Disability Pension by Age 55-69 2,268

Disability Pension by Age 70-84 3,891

Disability Pension by Age 85 and over 837

Disability Compensation Recipients with Power of Attorney 32,657

Disability Pension Recipients with Power of Attorney 6,912

Education

MGIB-AD Trainees 5,992

MGIB-SR Trainees 1,971

DEA Trainees 1,257

VEAP Trainees 20

Insurance

Life Insurance Payments $34,241,160

Total Face Value of Insurance $345,509,603

Total Number of Policies 33,770

Loan Guaranty

Number of Loans 6,209

Total Loan Amount $723,390,360

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 118
Benefit s by State Page 121 

Montana 

Compensation and Pension

Estimated Veteran Population 102,605

Disability Compensation Recipients 12,446

Estimated Average Monthly Disability Compensation Costs by Residence $8,987,802

Estimated Annual Disability Compensation Costs by Residence $107,853,625

Disability Compensation by Age under 35 1,060

Disability Compensation by Age 35-54 4,042

Disability Compensation by Age 55-74 5,314

Disability Compensation by Age 75-84 1,574

Disability Compensation by Age 85 and over 456

Disability Pension Recipients by Residence 1,699

Estimated Average Monthly Disability Pension Costs by Residence $1,022,612

Estimated Annual Disability Pension Costs by Residence $12,271,344

Disability Pension by Age under 45 16

Disability Pension by Age 45-54 331

Disability Pension by Age 55-69 533

Disability Pension by Age 70-84 680

Disability Pension by Age 85 and over 139

Disability Compensation Recipients with Power of Attorney 9,640

Disability Pension Recipients with Power of Attorney 1,443

Education

MGIB-AD Trainees 1,038

MGIB-SR Trainees 443

DEA Trainees 267

VEAP Trainees 3

Insurance

Life Insurance Payments $7,313,229

Total Face Value of Insurance $73,793,964

Total Number of Policies 6,899

Loan Guaranty

Number of Loans 1,426

Total Loan Amount $169,324,800

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 70
Page 122 Veterans Benefits Administration 

Nebraska 

Compensation and Pension

Estimated Veteran Population 159,487

Disability Compensation Recipients 21,397

Estimated Average Monthly Disability Compensation Costs by Residence $15,107,057

Estimated Annual Disability Compensation Costs by Residence $181,284,683

Disability Compensation by Age under 35 1,678

Disability Compensation by Age 35-54 6,497

Disability Compensation by Age 55-74 8,624

Disability Compensation by Age 75-84 3,682

Disability Compensation by Age 85 and over 916

Disability Pension Recipients by Residence 2,267

Estimated Average Monthly Disability Pension Costs by Residence $1,535,342

Estimated Annual Disability Pension Costs by Residence $18,424,105

Disability Pension by Age under 45 33

Disability Pension by Age 45-54 375

Disability Pension by Age 55-69 589

Disability Pension by Age 70-84 1,036

Disability Pension by Age 85 and over 234

Disability Compensation Recipients with Power of Attorney 16,215

Disability Pension Recipients with Power of Attorney 1,991

Education

MGIB-AD Trainees 2,435

MGIB-SR Trainees 1,135

DEA Trainees 710

VEAP Trainees 6

Insurance

Life Insurance Payments $12,545,487

Total Face Value of Insurance $126,589,935

Total Number of Policies 12,536

Loan Guaranty

Number of Loans 3,145

Total Loan Amount $401,141,095

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 8
Benefit s by State Page 123 

Nevada 

Compensation and Pension

Estimated Veteran Population 243,716

Disability Compensation Recipients 25,117

Estimated Average Monthly Disability Compensation Costs by Residence $16,577,332

Estimated Annual Disability Compensation Costs by Residence $198,927,988

Disability Compensation by Age under 35 1,845

Disability Compensation by Age 35-54 8,242

Disability Compensation by Age 55-74 10,979

Disability Compensation by Age 75-84 3,341

Disability Compensation by Age 85 and over 710

Disability Pension Recipients by Residence 3,151

Estimated Average Monthly Disability Pension Costs by Residence $1,859,564

Estimated Annual Disability Pension Costs by Residence $22,314,763

Disability Pension by Age under 45 29

Disability Pension by Age 45-54 648

Disability Pension by Age 55-69 1,149

Disability Pension by Age 70-84 1,159

Disability Pension by Age 85 and over 166

Disability Compensation Recipients with Power of Attorney 13,982

Disability Pension Recipients with Power of Attorney 1,858

Education

MGIB-AD Trainees 2,851

MGIB-SR Trainees 442

DEA Trainees 496

VEAP Trainees 3

Insurance

Life Insurance Payments $14,246,343

Total Face Value of Insurance $143,752,385

Total Number of Policies 12,666

Loan Guaranty

Number of Loans 5,170

Total Loan Amount $807,428,543

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 60
Page 124 Veterans Benefits Administration 

New Hampshire 

Compensation and Pension

Estimated Veteran Population 131,074

Disability Compensation Recipients 14,275

Estimated Average Monthly Disability Compensation Costs by Residence $9,168,842

Estimated Annual Disability Compensation Costs by Residence $110,026,104

Disability Compensation by Age under 35 930

Disability Compensation by Age 35-54 4,295

Disability Compensation by Age 55-74 6,218

Disability Compensation by Age 75-84 2,249

Disability Compensation by Age 85 and over 583

Disability Pension Recipients by Residence 1,019

Estimated Average Monthly Disability Pension Costs by Residence $623,736

Estimated Annual Disability Pension Costs by Residence $7,484,832

Disability Pension by Age under 45 4

Disability Pension by Age 45-54 146

Disability Pension by Age 55-69 278

Disability Pension by Age 70-84 472

Disability Pension by Age 85 and over 119

Disability Compensation Recipients with Power of Attorney 8,313

Disability Pension Recipients with Power of Attorney 633

Education

MGIB-AD Trainees 853

MGIB-SR Trainees 216

DEA Trainees 297

VEAP Trainees 3

Insurance

Life Insurance Payments $10,238,452

Total Face Value of Insurance $103,310,850

Total Number of Policies 9,601

Loan Guaranty

Number of Loans 708

Total Loan Amount $111,002,192

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 49
Benefit s by State Page 125 

New Jersey 

Compensation and Pension

Estimated Veteran Population 582,917

Disability Compensation Recipients 48,932

Estimated Average Monthly Disability Compensation Costs by Residence $29,179,132

Estimated Annual Disability Compensation Costs by Residence $350,149,587

Disability Compensation by Age under 35 2,357

Disability Compensation by Age 35-54 10,214

Disability Compensation by Age 55-74 20,140

Disability Compensation by Age 75-84 12,343

Disability Compensation by Age 85 and over 3,878

Disability Pension Recipients by Residence 3,458

Estimated Average Monthly Disability Pension Costs by Residence $1,934,947

Estimated Annual Disability Pension Costs by Residence $23,219,360

Disability Pension by Age under 45 28

Disability Pension by Age 45-54 549

Disability Pension by Age 55-69 951

Disability Pension by Age 70-84 1,586

Disability Pension by Age 85 and over 344

Disability Compensation Recipients with Power of Attorney 25,304

Disability Pension Recipients with Power of Attorney 2,217

Education

MGIB-AD Trainees 3,270

MGIB-SR Trainees 1,501

DEA Trainees 763

VEAP Trainees 13

Insurance

Life Insurance Payments $61,424,709

Total Face Value of Insurance $619,804,547

Total Number of Policies 60,909

Loan Guaranty

Number of Loans 3,230

Total Loan Amount $463,069,814

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 100
Page 126 Veterans Benefits Administration 

New Mexico 

Compensation and Pension

Estimated Veteran Population 180,172

Disability Compensation Recipients 25,177

Estimated Average Monthly Disability Compensation Costs by Residence $23,965,577

Estimated Annual Disability Compensation Costs by Residence $287,586,921

Disability Compensation by Age under 35 1,512

Disability Compensation by Age 35-54 7,548

Disability Compensation by Age 55-74 11,502

Disability Compensation by Age 75-84 3,663

Disability Compensation by Age 85 and over 952

Disability Pension Recipients by Residence 3,142

Estimated Average Monthly Disability Pension Costs by Residence $1,861,427

Estimated Annual Disability Pension Costs by Residence $22,337,121

Disability Pension by Age under 45 46

Disability Pension by Age 45-54 617

Disability Pension by Age 55-69 925

Disability Pension by Age 70-84 1,285

Disability Pension by Age 85 and over 269

Disability Compensation Recipients with Power of Attorney 16,774

Disability Pension Recipients with Power of Attorney 2,411

Education

MGIB-AD Trainees 2,959

MGIB-SR Trainees 591

DEA Trainees 1,314

VEAP Trainees 7

Insurance

Life Insurance Payments $15,165,747

Total Face Value of Insurance $153,029,605

Total Number of Policies 12,910

Loan Guaranty

Number of Loans 5,067

Total Loan Amount $640,803,809

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 45
Benefit s by State Page 127 

New York 

Compensation and Pension

Estimated Veteran Population 1,171,900

Disability Compensation Recipients 104,740

Estimated Average Monthly Disability Compensation Costs by Residence $64,976,435

Estimated Annual Disability Compensation Costs by Residence $779,717,214

Disability Compensation by Age under 35 6,342

Disability Compensation by Age 35-54 24,196

Disability Compensation by Age 55-74 42,646

Disability Compensation by Age 75-84 23,607

Disability Compensation by Age 85 and over 7,949

Disability Pension Recipients by Residence 16,043

Estimated Average Monthly Disability Pension Costs by Residence $8,583,040

Estimated Annual Disability Pension Costs by Residence $102,996,477

Disability Pension by Age under 45 177

Disability Pension by Age 45-54 2,768

Disability Pension by Age 55-69 4,742

Disability Pension by Age 70-84 6,938

Disability Pension by Age 85 and over 1,418

Disability Compensation Recipients with Power of Attorney 59,913

Disability Pension Recipients with Power of Attorney 9,803

Education

MGIB-AD Trainees 8,501

MGIB-SR Trainees 3,328

DEA Trainees 2,390

VEAP Trainees 36

Insurance

Life Insurance Payments $115,998,583

Total Face Value of Insurance $1,170,480,911

Total Number of Policies 114,807

Loan Guaranty

Number of Loans 3,682

Total Loan Amount $397,888,876

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 178
Page 128 Veterans Benefits Administration 

North Carolina 

Compensation and Pension

Estimated Veteran Population 767,051

Disability Compensation Recipients 93,978

Estimated Average Monthly Disability Compensation Costs by Residence $68,526,638

Estimated Annual Disability Compensation Costs by Residence $822,319,652

Disability Compensation by Age under 35 8,233

Disability Compensation by Age 35-54 35,908

Disability Compensation by Age 55-74 37,296

Disability Compensation by Age 75-84 10,396

Disability Compensation by Age 85 and over 2,145

Disability Pension Recipients by Residence 10,999

Estimated Average Monthly Disability Pension Costs by Residence $5,625,951

Estimated Annual Disability Pension Costs by Residence $67,511,406

Disability Pension by Age under 45 84

Disability Pension by Age 45-54 1,601

Disability Pension by Age 55-69 2,524

Disability Pension by Age 70-84 5,626

Disability Pension by Age 85 and over 1,164

Disability Compensation Recipients with Power of Attorney 68,013

Disability Pension Recipients with Power of Attorney 10,192

Education

MGIB-AD Trainees 10,515

MGIB-SR Trainees 1,523

DEA Trainees 3,115

VEAP Trainees 19

Insurance

Life Insurance Payments $49,735,052

Total Face Value of Insurance $501,850,342

Total Number of Policies 42,741

Loan Guaranty

Number of Loans 18,538

Total Loan Amount $2,226,725,885

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 249
Benefit s by State Page 129 

North Dakota 

Compensation and Pension

Estimated Veteran Population 55,374

Disability Compensation Recipients 6,944

Estimated Average Monthly Disability Compensation Costs by Residence $4,490,739

Estimated Annual Disability Compensation Costs by Residence $53,888,873

Disability Compensation by Age under 35 565

Disability Compensation by Age 35-54 2,178

Disability Compensation by Age 55-74 2,837

Disability Compensation by Age 75-84 987

Disability Compensation by Age 85 and over 377

Disability Pension Recipients by Residence 1,018

Estimated Average Monthly Disability Pension Costs by Residence $558,382

Estimated Annual Disability Pension Costs by Residence $6,700,581

Disability Pension by Age under 45 6

Disability Pension by Age 45-54 132

Disability Pension by Age 55-69 238

Disability Pension by Age 70-84 527

Disability Pension by Age 85 and over 115

Disability Compensation Recipients with Power of Attorney 5,707

Disability Pension Recipients with Power of Attorney 930

Education

MGIB-AD Trainees 742

MGIB-SR Trainees 939

DEA Trainees 233

VEAP Trainees 3

Insurance

Life Insurance Payments $4,662,442

Total Face Value of Insurance $47,046,260

Total Number of Policies 4,569

Loan Guaranty

Number of Loans 890

Total Loan Amount $88,664,928

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 32
Page 130 Veterans Benefits Administration 

Ohio 

Compensation and Pension

Estimated Veteran Population 1,051,683

Disability Compensation Recipients 83,726

Estimated Average Monthly Disability Compensation Costs by Residence $47,867,190

Estimated Annual Disability Compensation Costs by Residence $574,406,284

Disability Compensation by Age under 35 6,253

Disability Compensation by Age 35-54 25,494

Disability Compensation by Age 55-74 32,506

Disability Compensation by Age 75-84 15,382

Disability Compensation by Age 85 and over 4,091

Disability Pension Recipients by Residence 14,585

Estimated Average Monthly Disability Pension Costs by Residence $9,152,919

Estimated Annual Disability Pension Costs by Residence $109,835,031

Disability Pension by Age under 45 199

Disability Pension by Age 45-54 3,424

Disability Pension by Age 55-69 5,236

Disability Pension by Age 70-84 4,866

Disability Pension by Age 85 and over 860

Disability Compensation Recipients with Power of Attorney 49,355

Disability Pension Recipients with Power of Attorney 11,206

Education

MGIB-AD Trainees 8,801

MGIB-SR Trainees 4,355

DEA Trainees 1,609

VEAP Trainees 29

Insurance

Life Insurance Payments $68,203,413

Total Face Value of Insurance $688,204,897

Total Number of Policies 66,942

Loan Guaranty

Number of Loans 9,823

Total Loan Amount $1,234,514,419

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 231
Benefit s by State Page 131 

Oklahoma 

Compensation and Pension

Estimated Veteran Population 355,312

Disability Compensation Recipients 48,158

Estimated Average Monthly Disability Compensation Costs by Residence $42,530,616

Estimated Annual Disability Compensation Costs by Residence $510,367,393

Disability Compensation by Age under 35 3,621

Disability Compensation by Age 35-54 14,981

Disability Compensation by Age 55-74 21,314

Disability Compensation by Age 75-84 6,739

Disability Compensation by Age 85 and over 1,503

Disability Pension Recipients by Residence 8,417

Estimated Average Monthly Disability Pension Costs by Residence $6,269,849

Estimated Annual Disability Pension Costs by Residence $75,238,185

Disability Pension by Age under 45 92

Disability Pension by Age 45-54 1,402

Disability Pension by Age 55-69 2,591

Disability Pension by Age 70-84 3,589

Disability Pension by Age 85 and over 743

Disability Compensation Recipients with Power of Attorney 32,290

Disability Pension Recipients with Power of Attorney 6,701

Education

MGIB-AD Trainees 5,445

MGIB-SR Trainees 2,422

DEA Trainees 2,123

VEAP Trainees 9

Insurance

Life Insurance Payments $22,994,195

Total Face Value of Insurance $232,022,375

Total Number of Policies 19,886

Loan Guaranty

Number of Loans 6,771

Total Loan Amount $711,272,801

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 236
Page 132 Veterans Benefits Administration 

Oregon 

Compensation and Pension

Estimated Veteran Population 366,780

Disability Compensation Recipients 36,920

Estimated Average Monthly Disability Compensation Costs by Residence $29,822,390

Estimated Annual Disability Compensation Costs by Residence $357,868,677

Disability Compensation by Age under 35 3,274

Disability Compensation by Age 35-54 11,558

Disability Compensation by Age 55-74 15,156

Disability Compensation by Age 75-84 5,452

Disability Compensation by Age 85 and over 1,480

Disability Pension Recipients by Residence 5,845

Estimated Average Monthly Disability Pension Costs by Residence $3,985,216

Estimated Annual Disability Pension Costs by Residence $47,822,597

Disability Pension by Age under 45 57

Disability Pension by Age 45-54 1,238

Disability Pension by Age 55-69 1,928

Disability Pension by Age 70-84 2,153

Disability Pension by Age 85 and over 469

Disability Compensation Recipients with Power of Attorney 27,947

Disability Pension Recipients with Power of Attorney 4,881

Education

MGIB-AD Trainees 3,988

MGIB-SR Trainees 978

DEA Trainees 1,090

VEAP Trainees 11

Insurance

Life Insurance Payments $24,224,311

Total Face Value of Insurance $244,434,826

Total Number of Policies 22,559

Loan Guaranty

Number of Loans 4,743

Total Loan Amount $692,527,148

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 262
Benefit s by State Page 133 

Pennsylvania 

Compensation and Pension

Estimated Veteran Population 1,145,919

Disability Compensation Recipients 90,128

Estimated Average Monthly Disability Compensation Costs by Residence $56,090,955

Estimated Annual Disability Compensation Costs by Residence $673,091,464

Disability Compensation by Age under 35 5,317

Disability Compensation by Age 35-54 22,589

Disability Compensation by Age 55-74 35,792

Disability Compensation by Age 75-84 20,683

Disability Compensation by Age 85 and over 5,747

Disability Pension Recipients by Residence 14,437

Estimated Average Monthly Disability Pension Costs by Residence $9,057,291

Estimated Annual Disability Pension Costs by Residence $108,687,491

Disability Pension by Age under 45 134

Disability Pension by Age 45-54 2,345

Disability Pension by Age 55-69 4,355

Disability Pension by Age 70-84 6,237

Disability Pension by Age 85 and over 1,366

Disability Compensation Recipients with Power of Attorney 46,243

Disability Pension Recipients with Power of Attorney 7,294

Education

MGIB-AD Trainees 7,787

MGIB-SR Trainees 4,302

DEA Trainees 1,825

VEAP Trainees 29

Insurance

Life Insurance Payments $93,929,586

Total Face Value of Insurance $947,794,223

Total Number of Policies 96,562

Loan Guaranty

Number of Loans 7,710

Total Loan Amount $919,726,210

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 290
Page 134 Veterans Benefits Administration 

Rhode Island 

Compensation and Pension

Estimated Veteran Population 91,161

Disability Compensation Recipients 9,858

Estimated Average Monthly Disability Compensation Costs by Residence $6,952,515

Estimated Annual Disability Compensation Costs by Residence $83,430,182

Disability Compensation by Age under 35 534

Disability Compensation by Age 35-54 2,358

Disability Compensation by Age 55-74 3,817

Disability Compensation by Age 75-84 2,387

Disability Compensation by Age 85 and over 762

Disability Pension Recipients by Residence 14,114

Estimated Average Monthly Disability Pension Costs by Residence $589,817

Estimated Annual Disability Pension Costs by Residence $7,077,802

Disability Pension by Age under 45 7

Disability Pension by Age 45-54 177

Disability Pension by Age 55-69 302

Disability Pension by Age 70-84 432

Disability Pension by Age 85 and over 96

Disability Compensation Recipients with Power of Attorney 5,389

Disability Pension Recipients with Power of Attorney 455

Education

MGIB-AD Trainees 654

MGIB-SR Trainees 299

DEA Trainees 238

VEAP Trainees 4

Insurance

Life Insurance Payments $7,833,853

Total Face Value of Insurance $79,047,305

Total Number of Policies 8,224

Loan Guaranty

Number of Loans 270

Total Loan Amount $44,214,003

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 38
Benefit s by State Page 135 

South Carolina 

Compensation and Pension

Estimated Veteran Population 413,551

Disability Compensation Recipients 46,943

Estimated Average Monthly Disability Compensation Costs by Residence $31,515,980

Estimated Annual Disability Compensation Costs by Residence $378,191,756

Disability Compensation by Age under 35 3,649

Disability Compensation by Age 35-54 16,830

Disability Compensation by Age 55-74 20,139

Disability Compensation by Age 75-84 5,257

Disability Compensation by Age 85 and over 1,068

Disability Pension Recipients by Residence 1,014

Estimated Average Monthly Disability Pension Costs by Residence $4,398,227

Estimated Annual Disability Pension Costs by Residence $52,778,723

Disability Pension by Age under 45 56

Disability Pension by Age 45-54 968

Disability Pension by Age 55-69 1,889

Disability Pension by Age 70-84 3,594

Disability Pension by Age 85 and over 753

Disability Compensation Recipients with Power of Attorney 30,744

Disability Pension Recipients with Power of Attorney 6,235

Education

MGIB-AD Trainees 4,708

MGIB-SR Trainees 1,480

DEA Trainees 1,393

VEAP Trainees 11

Insurance

Life Insurance Payments $27,700,694

Total Face Value of Insurance $279,513,190

Total Number of Policies 24,116

Loan Guaranty

Number of Loans 5,714

Total Loan Amount $726,939,529

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 194
Page 136 Veterans Benefits Administration 

South Dakota 

Compensation and Pension

Estimated Veteran Population 73,400

Disability Compensation Recipients 9,372

Estimated Average Monthly Disability Compensation Costs by Residence $6,553,122

Estimated Annual Disability Compensation Costs by Residence $78,637,469

Disability Compensation by Age under 35 704

Disability Compensation by Age 35-54 3,201

Disability Compensation by Age 55-74 3,864

Disability Compensation by Age 75-84 1,215

Disability Compensation by Age 85 and over 388

Disability Pension Recipients by Residence 7,260

Estimated Average Monthly Disability Pension Costs by Residence $1,010,657

Estimated Annual Disability Pension Costs by Residence $12,127,890

Disability Pension by Age under 45 13

Disability Pension by Age 45-54 247

Disability Pension by Age 55-69 396

Disability Pension by Age 70-84 893

Disability Pension by Age 85 and over 218

Disability Compensation Recipients with Power of Attorney 7,091

Disability Pension Recipients with Power of Attorney 1,501

Education

MGIB-AD Trainees 821

MGIB-SR Trainees 834

DEA Trainees 235

VEAP Trainees 3

Insurance

Life Insurance Payments $5,809,262

Total Face Value of Insurance $58,618,217

Total Number of Policies 5,688

Loan Guaranty

Number of Loans 1,017

Total Loan Amount $120,853,821

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 54
Benefit s by State Page 137 

Tennessee 

Compensation and Pension

Estimated Veteran Population 540,778

Disability Compensation Recipients 56,106

Estimated Average Monthly Disability Compensation Costs by Residence $38,785,886

Estimated Annual Disability Compensation Costs by Residence $465,430,629

Disability Compensation by Age under 35 4,562

Disability Compensation by Age 35-54 19,978

Disability Compensation by Age 55-74 22,970

Disability Compensation by Age 75-84 7,027

Disability Compensation by Age 85 and over 1,569

Disability Pension Recipients by Residence 1,767

Estimated Average Monthly Disability Pension Costs by Residence $5,759,980

Estimated Annual Disability Pension Costs by Residence $69,119,765

Disability Pension by Age under 45 86

Disability Pension by Age 45-54 1,478

Disability Pension by Age 55-69 2,709

Disability Pension by Age 70-84 4,737

Disability Pension by Age 85 and over 1,026

Disability Compensation Recipients with Power of Attorney 37,188

Disability Pension Recipients with Power of Attorney 8,422

Education

MGIB-AD Trainees 5,542

MGIB-SR Trainees 1,434

DEA Trainees 1,360

VEAP Trainees 12

Insurance

Life Insurance Payments $29,636,935

Total Face Value of Insurance $299,050,779

Total Number of Policies 25,673

Loan Guaranty

Number of Loans 9,003

Total Loan Amount $1,046,781,932

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 288
Page 138 Veterans Benefits Administration 

Texas 

Compensation and Pension

Estimated Veteran Population 1,681,748

Disability Compensation Recipients 211,017

Estimated Average Monthly Disability Compensation Costs by Residence $150,395,425

Estimated Annual Disability Compensation Costs by Residence $1,804,745,104

Disability Compensation by Age under 35 19,339

Disability Compensation by Age 35-54 70,606

Disability Compensation by Age 55-74 87,581

Disability Compensation by Age 75-84 26,551

Disability Compensation by Age 85 and over 6,940

Disability Pension Recipients by Residence 10,036

Estimated Average Monthly Disability Pension Costs by Residence $16,392,594

Estimated Annual Disability Pension Costs by Residence $196,711,122

Disability Pension by Age under 45 339

Disability Pension by Age 45-54 5,037

Disability Pension by Age 55-69 7,835

Disability Pension by Age 70-84 11,304

Disability Pension by Age 85 and over 2,508

Disability Compensation Recipients with Power of Attorney 144,475

Disability Pension Recipients with Power of Attorney 21,952

Education

MGIB-AD Trainees 30,624

MGIB-SR Trainees 4,661

DEA Trainees 6,434

VEAP Trainees 46

Insurance

Life Insurance Payments $113,608,161

Total Face Value of Insurance $1,146,360,414

Total Number of Policies 98,460

Loan Guaranty

Number of Loans 42,015

Total Loan Amount $4,844,664,491

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 748
Benefit s by State Page 139 

Utah 

Compensation and Pension

Estimated Veteran Population 151,129

Disability Compensation Recipients 14,417

Estimated Average Monthly Disability Compensation Costs by Residence $9,125,233

Estimated Annual Disability Compensation Costs by Residence $109,502,792

Disability Compensation by Age under 35 1,260

Disability Compensation by Age 35-54 4,618

Disability Compensation by Age 55-74 5,577

Disability Compensation by Age 75-84 2,376

Disability Compensation by Age 85 and over 586

Disability Pension Recipients by Residence 27,023

Estimated Average Monthly Disability Pension Costs by Residence $684,533

Estimated Annual Disability Pension Costs by Residence $8,214,392

Disability Pension by Age under 45 14

Disability Pension by Age 45-54 248

Disability Pension by Age 55-69 366

Disability Pension by Age 70-84 486

Disability Pension by Age 85 and over 108

Disability Compensation Recipients with Power of Attorney 8,258

Disability Pension Recipients with Power of Attorney 674

Education

MGIB-AD Trainees 2,015

MGIB-SR Trainees 1,651

DEA Trainees 571

VEAP Trainees 4

Insurance

Life Insurance Payments $11,456,050

Total Face Value of Insurance $115,596,995

Total Number of Policies 11,233

Loan Guaranty

Number of Loans 3,128

Total Loan Amount $452,608,753

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 116
Page 140 Veterans Benefits Administration 

Vermont 

Compensation and Pension

Estimated Veteran Population 57,802

Disability Compensation Recipients 5,273

Estimated Average Monthly Disability Compensation Costs by Residence $3,951,831

Estimated Annual Disability Compensation Costs by Residence $47,421,973

Disability Compensation by Age under 35 314

Disability Compensation by Age 35-54 1,553

Disability Compensation by Age 55-74 2,277

Disability Compensation by Age 75-84 883

Disability Compensation by Age 85 and over 246

Disability Pension Recipients by Residence 1,222

Estimated Average Monthly Disability Pension Costs by Residence $314,055

Estimated Annual Disability Pension Costs by Residence $3,768,659

Disability Pension by Age under 45 3

Disability Pension by Age 45-54 96

Disability Pension by Age 55-69 188

Disability Pension by Age 70-84 268

Disability Pension by Age 85 and over 46

Disability Compensation Recipients with Power of Attorney 3,255

Disability Pension Recipients with Power of Attorney 350

Education

MGIB-AD Trainees 320

MGIB-SR Trainees 174

DEA Trainees 115

VEAP Trainees 1

Insurance

Life Insurance Payments $4,498,420

Total Face Value of Insurance $45,391,194

Total Number of Policies 4,066

Loan Guaranty

Number of Loans 296

Total Loan Amount $38,189,324

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 9
Benefit s by State Page 141 

Virginia 

Compensation and Pension

Estimated Veteran Population 750,950

Disability Compensation Recipients 94,624

Estimated Average Monthly Disability Compensation Costs by Residence $55,029,912

Estimated Annual Disability Compensation Costs by Residence $660,358,944

Disability Compensation by Age under 35 7,248

Disability Compensation by Age 35-54 39,071

Disability Compensation by Age 55-74 36,404

Disability Compensation by Age 75-84 9,642

Disability Compensation by Age 85 and over 2,259

Disability Pension Recipients by Residence 601

Estimated Average Monthly Disability Pension Costs by Residence $3,437,963

Estimated Annual Disability Pension Costs by Residence $41,255,552

Disability Pension by Age under 45 55

Disability Pension by Age 45-54 1,069

Disability Pension by Age 55-69 1,783

Disability Pension by Age 70-84 3,154

Disability Pension by Age 85 and over 619

Disability Compensation Recipients with Power of Attorney 57,349

Disability Pension Recipients with Power of Attorney 5,382

Education

MGIB-AD Trainees 15,410

MGIB-SR Trainees 2,214

DEA Trainees 2,108

VEAP Trainees 26

Insurance

Life Insurance Payments $53,755,767

Total Face Value of Insurance $542,421,278

Total Number of Policies 47,852

Loan Guaranty

Number of Loans 24,231

Total Loan Amount $3,476,442,687

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 171
Page 142 Veterans Benefits Administration 

Washington 

Compensation and Pension

Estimated Veteran Population 632,929

Disability Compensation Recipients 80,378

Estimated Average Monthly Disability Compensation Costs by Residence $55,695,411

Estimated Annual Disability Compensation Costs by Residence $668,344,931

Disability Compensation by Age under 35 6,955

Disability Compensation by Age 35-54 30,698

Disability Compensation by Age 55-74 31,698

Disability Compensation by Age 75-84 8,766

Disability Compensation by Age 85 and over 2,261

Disability Pension Recipients by Residence 6,680

Estimated Average Monthly Disability Pension Costs by Residence $3,180,912

Estimated Annual Disability Pension Costs by Residence $38,170,939

Disability Pension by Age under 45 88

Disability Pension by Age 45-54 1,174

Disability Pension by Age 55-69 1,754

Disability Pension by Age 70-84 1,827

Disability Pension by Age 85 and over 384

Disability Compensation Recipients with Power of Attorney 60,382

Disability Pension Recipients with Power of Attorney 4,284

Education

MGIB-AD Trainees 9,188

MGIB-SR Trainees 1,530

DEA Trainees 2,071

VEAP Trainees 21

Insurance

Life Insurance Payments $42,613,442

Total Face Value of Insurance $429,989,913

Total Number of Policies 38,811

Loan Guaranty

Number of Loans 15,558

Total Loan Amount $2,451,093,615

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 403
Benefit s by State Page 143 

West Virginia 

Compensation and Pension

Estimated Veteran Population 188,101

Disability Compensation Recipients 21,374

Estimated Average Monthly Disability Compensation Costs by Residence $18,476,082

Estimated Annual Disability Compensation Costs by Residence $221,712,989

Disability Compensation by Age under 35 1,602

Disability Compensation by Age 35-54 5,690

Disability Compensation by Age 55-74 10,075

Disability Compensation by Age 75-84 3,251

Disability Compensation by Age 85 and over 756

Disability Pension Recipients by Residence 5,227

Estimated Average Monthly Disability Pension Costs by Residence $2,921,915

Estimated Annual Disability Pension Costs by Residence $35,062,982

Disability Pension by Age under 45 50

Disability Pension by Age 45-54 902

Disability Pension by Age 55-69 1,563

Disability Pension by Age 70-84 1,933

Disability Pension by Age 85 and over 298

Disability Compensation Recipients with Power of Attorney 15,874

Disability Pension Recipients with Power of Attorney 3,865

Education

MGIB-AD Trainees 2,310

MGIB-SR Trainees 1,057

DEA Trainees 667

VEAP Trainees 3

Insurance

Life Insurance Payments $11,357,691

Total Face Value of Insurance $114,604,510

Total Number of Policies 9,887

Loan Guaranty

Number of Loans 1,284

Total Loan Amount $154,184,796

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 70
Page 144 Veterans Benefits Administration 

Wisconsin 

Compensation and Pension

Estimated Veteran Population 474,594

Disability Compensation Recipients 42,928

Estimated Average Monthly Disability Compensation Costs by Residence $28,525,850

Estimated Annual Disability Compensation Costs by Residence $342,310,194

Disability Compensation by Age under 35 3,652

Disability Compensation by Age 35-54 13,225

Disability Compensation by Age 55-74 17,110

Disability Compensation by Age 75-84 7,052

Disability Compensation by Age 85 and over 1,889

Disability Pension Recipients by Residence 4,746

Estimated Average Monthly Disability Pension Costs by Residence $3,478,407

Estimated Annual Disability Pension Costs by Residence $41,740,888

Disability Pension by Age under 45 55

Disability Pension by Age 45-54 1,051

Disability Pension by Age 55-69 1,587

Disability Pension by Age 70-84 2,326

Disability Pension by Age 85 and over 617

Disability Compensation Recipients with Power of Attorney 32,295

Disability Pension Recipients with Power of Attorney 4,841

Education

MGIB-AD Trainees 3,450

MGIB-SR Trainees 2,604

DEA Trainees 914

VEAP Trainees 14

Insurance

Life Insurance Payments $38,533,872

Total Face Value of Insurance $388,825,104

Total Number of Policies 38,180

Loan Guaranty

Number of Loans 3,613

Total Loan Amount $446,564,726

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 159
Benefit s by State Page 145 

Wyoming 

Compensation and Pension

Estimated Veteran Population 54,941

Disability Compensation Recipients 5,950

Estimated Average Monthly Disability Compensation Costs by Residence $3,751,742

Estimated Annual Disability Compensation Costs by Residence $45,020,908

Disability Compensation by Age under 35 488

Disability Compensation by Age 35-54 2,104

Disability Compensation by Age 55-74 2,432

Disability Compensation by Age 75-84 773

Disability Compensation by Age 85 and over 153

Disability Pension Recipients by Residence 5,636

Disability Pension Recipients by Residence 537

Estimated Average Monthly Disability Pension Costs by Residence $289,483

Estimated Annual Disability Pension Costs by Residence $3,473,793

Disability Pension by Age under 45 6

Disability Pension by Age 45-54 117

Disability Pension by Age 55-69 184

Disability Pension by Age 70-84 194

Disability Pension by Age 85 and over 36

Disability Compensation Recipients with Power of Attorney 3,643

Disability Pension Recipients with Power of Attorney 335

Education

MGIB-AD Trainees 688

MGIB-SR Trainees 277

DEA Trainees 136

VEAP Trainees 2

Insurance

Life Insurance Payments $3,429,038

Total Face Value of Insurance $34,600,626

Total Number of Policies 3,110

Loan Guaranty

Number of Loans 1,077

Total Loan Amount $140,108,798
Page 146 Veterans Benefits Administration 

Puerto Rico 

Compensation and Pension

Estimated Veteran Population 131,448

Disability Compensation Recipients 19,074

Estimated Average Monthly Disability Compensation Costs by Residence $18,532,393

Estimated Annual Disability Compensation Costs by Residence $222,388,720

Disability Compensation by Age under 35 872

Disability Compensation by Age 35-54 6,053

Disability Compensation by Age 55-74 8,823

Disability Compensation by Age 75-84 2,785

Disability Compensation by Age 85 and over 541

Estimated Average Monthly Disability Pension Costs by Residence $7,287,312

Estimated Annual Disability Pension Costs by Residence $87,447,749

Disability Pension by Age under 45 28

Disability Pension by Age 45-54 563

Disability Pension by Age 55-69 2,019

Disability Pension by Age 70-84 9,845

Disability Pension by Age 85 and over 1,659

Education

MGIB-AD Trainees 763

MGIB-SR Trainees 1,505

DEA Trainees 1,717

VEAP Trainees 6

Insurance

Life Insurance Payments $5,880,902

Total Face Value of Insurance $59,341,103

Total Number of Policies 4,534

Loan Guaranty

Number of Loans 577

Total Loan Amount $77,684,390

Vocational Rehabilitation and Employment

Number of Veterans obtaining suitable employment past 12 months 53
Benefit s by State Page 147 

US Territories - All Other 

Compensation and Pension

Disability Compensation Recipients 1,945

Estimated Annual Disability Compensation Costs by Residence $17,316,135

Disability Pension Recipients by Residence 106

Estimated Average Monthly Disability Pension Costs by Residence $141,532

Estimated Annual Disability Pension Costs by Residence $892,226

Insurance

Life Insurance Payments $563,532

Total Face Value of Insurance $5,686,306

Total Number of Policies 405

Loan Guaranty

Number of Loans 41

Total Loan Amount $7,184,944
Page 148 Veterans Benefits Administration 

Philippines 

Compensation and Pension

Disability Compensation Recipients 5,237

Estimated Average Monthly Disability Compensation Costs by Residence $4,351,640

Estimated Annual Disability Compensation Costs by Residence $52,219,679

Disability Compensation by Age under 35 35

Disability Compensation by Age 35-54 576

Disability Compensation by Age 55-74 964

Disability Compensation by Age 75-84 1,667

Disability Compensation by Age 85 and over 1,995

Disability Pension Recipients by Residence 876

Estimated Average Monthly Disability Pension Costs by Residence $919,638

Estimated Annual Disability Pension Costs by Residence $11,035,652

Disability Pension by Age under 45 4

Disability Pension by Age 45-54 40

Disability Pension by Age 55-69 294

Disability Pension by Age 70-84 270

Disability Pension by Age 85 and over 268

Education

MGIB-AD Trainees 293

DEA Trainees 80

Insurance

Life Insurance Payments $543,508

Total Face Value of Insurance $5,484,250

Total Number of Policies 426

 Vocational Rehabilitation and Employment Manila Regional Office

Number of Veterans obtaining suitable employment past 12 months 14
Benefit s by State Page 149 

Foreign - All Other 

Compensation and Pension

Estimated Veteran Population 138,558

Disability Compensation Recipients 6,204

Estimated Annual Disability Compensation Costs by Residence $95,418,608

Disability Pension Recipients by Residence 783

Estimated Average Monthly Disability Pension Costs by Residence $515,381

Estimated Average Monthly Disability Compensation Costs by Residence $7,951,551

Estimated Annual Disability Pension Costs by Residence $6,184,578

Insurance

Life Insurance Payments $4,718,806

Total Face Value of Insurance $47,614,996

Total Number of Policies 4,128
Page 150 Veterans Benefits Administration 

Unknown 

Compensation and Pension

Disability Compensation Recipients 245

Estimated Annual Disability Compensation Costs by Residence $1,698,388

Disability Pension Recipients by Residence 22

Estimated Average Monthly Disability Pension Costs by Residence $12,452

Estimated Annual Disability Pension Costs by Residence $149,428
Benefit s by State Page 151 

Other or Unknown 

Education

MGIB-AD Trainees 16,602

MGIB-SR Trainees 4,521

DEA Trainees 217

VEAP Trainees 65
ESTIMATED FUTURE BENEFIT COMPENSATION PAYMENTS Page 152 

Estimated Future Benefit Compensation and Pension Payments 

Fiscal 

Year 

COMPENSATION PENSIONS TOTAL

Veterans Survivors Veterans Survivors Compensation Pension 

2005 $24,477,192,198 $4,441,179,674 $2,952,127,870 $802,669,895 $28,918,371,872 $3,754,797,766 

2006 $26,569,972,748 $4,603,166,617 $3,055,566,169 $809,897,503 $31,173,139,365 $3,865,463,672 

2007 $28,202,590,271 $4,727,481,770 $3,151,975,507 $822,213,834 $32,930,072,041 $3,974,189,341 

2008 $29,873,330,035 $4,900,788,039 $3,240,261,012 $838,329,177 $34,774,118,074 $4,078,590,189 

2009 $31,409,656,112 $5,076,451,848 $3,319,208,023 $857,345,301 $36,486,107,961 $4,176,553,324 

2010 $32,808,306,103 $5,257,254,639 $3,394,293,033 $879,448,550 $38,065,560,742 $4,273,741,583 

2015 $38,975,155,896 $6,148,151,567 $3,733,890,586 $1,013,940,778 $45,123,307,463 $4,747,831,363 

2020 $44,067,474,195 $6,991,715,460 $4,049,185,990 $1,166,103,491 $51,059,189,655 $5,215,289,481 

2025 $48,025,426,603 $7,817,279,163 $4,300,580,829 $1,324,441,481 $55,842,705,766 $5,625,022,310 

2030 $50,597,509,862 $8,676,636,863 $4,501,565,489 $1,486,870,391 $59,274,146,724 $5,988,435,880 

2035 $51,107,552,517 $9,575,708,622 $4,616,373,944 $1,655,000,253 $60,683,261,139 $6,271,374,196 

2040 $49,711,309,318 $10,445,968,399 $4,585,889,091 $1,821,248,747 $60,157,277,717 $6,407,137,838 

2045 $46,716,179,157 $11,197,236,714 $4,451,234,675 $1,962,341,777 $57,913,415,871 $6,413,576,453 

2050 $42,434,693,295 $11,774,838,858 $4,352,567,289 $2,076,502,668 $54,209,532,153 $6,429,069,957 

2055 $36,820,264,779 $12,176,482,204 $4,309,790,720 $2,184,780,172 $48,996,746,983 $6,494,570,892 

2060 $30,101,225,124 $12,405,037,970 $4,136,969,034 $2,290,090,882 $42,506,263,094 $6,427,059,916 

2065 $22,917,246,994 $12,421,222,845 $3,768,606,184 $2,370,601,531 $35,338,469,839 $6,139,207,715 

2070 $15,868,809,285 $12,177,867,403 $3,212,604,784 $2,390,899,889 $28,046,676,688 $5,603,504,672 

2075 $9,705,365,621 $11,634,612,477 $2,521,453,650 $2,318,383,759 $21,339,978,098 $4,839,837,408 

TOTAL $2,688,471,686,216 $729,074,575,63 $292,609,748,012 $131,492,837,403 $3,417,546,261,852 $424,102,585,415 

(TOTAL BENEFITS/OBLIGATIONS) 

Source: Compensation and Pension Programs Liability for future Benefits as of September 30, 2004 - Pricewaterhousecoopers LLLP, Table 2 Totals equal 

the sum of fiscal years 2005 through 2079; not all data for intervening years are shown. 

U.S. DEPARTMENT OF VETERANS AFFAIRS

Veterans 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 Integrity at (202) 273-6811. You may also access this report through our 

Internet Homepage http://www.vba.va.gov/reports.htm.