ANNUAL

BENEFITS

REPORT

Fiscal Year

2011

Making a difference

U.S. Department of Veterans Affairs

Veterans Benefits Administration

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“Patriotism is not a short frenzied burst 

of emotion, but the long and steady 

dedication of a lifetime.”

-Thomas Jefferson
families, the Federal government, and the Nation

Our mission is to provide benefits 

and services to Veterans and 

their families in a responsive, 

timely, and compassionate 

manner in recognition of their 

service to the Nation.

Purpose of this Report

The purpose of the Annual Benefits Report (ABR) 

is to clearly summarize the benefit programs delivered by VBA. 

This report is intended to accomplish the following:

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

which Veterans and their dependents use these benefits; 

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

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

families, the Federal government, and the Nation.

Annual Benefits Report FY 2011

Images on the cover:

DVA Stock Images - American Bald Eagle; Mount Rushmore National Memorial; U.S. Flag
Veterans Benefits Administration Making a difference i

Table of Contents

Contributors

Compensation Service

Pension and Fiduciary Service

Education Service

Insurance Service

Loan Guaranty Service

Vocational Rehabilitation and 

Employment Service

Office of Performance Analysis 

and Integrity

Table of Contents

1 Mission, Vision, and VA’s Core Values

1 Mission, Vision, and VA’s Core Values

1 I CARE (VA Core Values and Characteristics)

3 Purpose and Overview

3 Purpose of VBA’s Annual Benefits Report

4 Compensation

4 Current Benefits

5 Quick Reference Guide

6 Data

6 Disability Compensation

22 Dependency and Indemnity Compensation

25 Global War On Terror

29 Pension

29 Current Programs

30 Quick Reference Guide

35 Fiduciary

35 Purpose

37 Education

37 Current Benefits

37 Education Programs

40 Quick Reference Guide

42 Data

43 Additional Education Opportunities

44 Beneficiary Characteristics

48 Insurance

48 Current Benefits

49 Quick Reference Guide

52 Data
ii Annual Benefits Report FY 2011 Table of Contents

62 Loan Guaranty

62 Program Objectives

62 Current Benefits

63 Specially Adapted Housing Program (SAH)

63 Native American Direct Loan (NADL) Program

64 Quick Reference Guide

65 Data

73 Vocational Rehabilitation and Employment 

(VR&E)

73 VetSuccess: Serving Those Who Served Us

75 Quick Reference Guide

76 Vocational Rehabilitation and Employment Program Facts

78 Vocational Rehabilitation and Employment Program 

Enhancements and Initiatives

82 Appendices

A1 VBA Regional Office Mailing Addresses

B1 Contact VA by Phone

C1 Glossary

D1 Internet References

E1 Summary of Fiscal Year 2011 Benefits

F1 Index

F1 Index to Tables and Charts
Veterans Benefits Administration Making a difference 1Mission, Vision, and VA’s Core

Values

VETERANS BENEFITS 

ADMINISTRATION

Mission, Vision, and VA’s 

Core Values

We are the Veterans Benefits Administration, one of the three 

Administrations forming the U.S. Department of Veterans Affairs 

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

Servicemembers, and their families and survivors.

Mission, Vision, and VA’s Core Values

Mission Statement

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

partnership with the Veterans Health Administration and the National 

Cemetery Administration, is to provide benefits and services to 

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

manner in recognition of their service to the Nation.

Vision Statement

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

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

both recognized for their contribution and are part of something 

larger than themselves; and taxpayers will feel that we’ve met the 

responsibilities they’ve entrusted to us. Courage, honesty, trust, 

respect, open communication, and accountability will be reflected in 

our day-to-day behavior.

I CARE (VA Core Values and Characteristics)

 VA Core Values and Characteristics are applied 

universally across all of VA and define “who we 

are.” VA’s Characteristics define “what we stand 

for,” and help guide how we will perform our core 

mission; they shape our strategy, and will 

influence resource allocation and other important 

decisions made within VA. The process used to develop these Core 

Values and Characteristics included comprehensive, collaborative, 

inclusive, involved participants from VA Central Office (VACO) and all 3 

VA Administrations, and took nearly two years.

 VA Core Values (“I CARE”)

	Integrity: Act with high moral principle. Adhere to the 

VA Characteristics:

 Trustworthy: VA earns 

the trust of those it 

serves – every day 

through the actions of all 

employees. They provide 

care, benefits, and 

services with compassion, 

dependability, 

effectiveness, 

and transparency.

 Accessible: VA engages 

and welcomes Veterans 

and other beneficiaries, 

facilitating their use of the 

entire array of its services. 

Each interaction will be 

positive and productive. 

 Quality: VA provides the 

highest standard of care 

and services to Veterans 

and beneficiaries while 

managing the cost of 

its programs and being 

efficient stewards of all 

resources entrusted 

to it by the American 

people. VA is a model 

of unrivalled excellence 

due to employees 

who are empowered, 

trusted by their leaders, 

and respected for 

their competence 

and dedication.
2 Annual Benefits Report FY 2011 Mission, Vision, and VA’s Core

Values

highest professional standards. Maintain the trust and 

confidence of all with whom I engage.

	Commitment: Work diligently to serve Veterans and 

other beneficiaries. Be driven by an earnest belief in 

VA’s mission. Fulfill my individual responsibilities and 

organizational responsibilities.

	Advocacy: Be truly Veteran-centric by identifying, fully 

considering, and appropriately advancing the interests of 

Veterans and other beneficiaries.

	Respect: Treat all those I serve and with whom I work with 

dignity and respect. Show respect to earn it.

	Excellence: Strive for the highest quality and continuous 

improvement. Be thoughtful and decisive in leadership, 

accountable for my actions, willing to admit mistakes, and 

rigorous in correcting them.

VA Characteristics (cont.):

 Innovative: VA prizes 

curiosity and initiative, 

encourages creative 

contributions from 

all employees, seeks 

continuous improvement, 

and adapts to remain at 

the forefront in knowledge, 

proficiency, and capability 

to deliver the highest 

standard of care and 

services to all of the 

people it serves.

 Agile: VA anticipates 

and adapts quickly to 

current challenges and 

new requirements by 

continuously assessing 

the environment in 

which it operates and 

devising solutions to 

better serve Veterans, 

other beneficiaries, and 

Servicemembers.

 Integrated: VA links care 

and services across the 

Department; other federal, 

state, and local agencies; 

partners; and Veterans 

Services Organizations 

to provide useful 

and understandable 

programs to Veterans 

and other beneficiaries. 

VA’s relationship with 

the Department of 

Defense is unique, and 

VA will nurture it for the 

benefit of Veterans and 

Servicemembers.
Veterans Benefits Administration Making a difference 3Purpose and Overview

Purpose and Overview

Purpose of VBA’s Annual Benefits Report

The Annual Benefits Report (ABR) clearly summarizes the benefit 

programs delivered by VBA, identifies the current level of program 

participation by eligible persons, and profiles the beneficiaries.

The report is intended to accomplish the following:

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

which Veterans and their dependents use these benefits;

 Provide insights into the nature of the benefit programs;

 Portray the economic impact of VBA programs on Veterans, their 

families, the Federal Government, and the Nation.

A complete discussion of VBA’s performance in administering 

these programs is contained in the Department’s fiscal year 2011 

Performance and Accountability Report, dated November 2011. 

The document can be accessed through this electronic link:

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

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

FY 2011‐2015 can be found on the Department’s Web site:

www.va.gov/op3.

Veterans Benefits Overview

The Veterans Benefits Administration is one of three administrations 

comprising the Department of Veterans Affairs. VBA is responsible for 

administering and delivering an array of federally authorized benefits 

and services to eligible Veterans and their dependents and survivors. 

With annual expenditures over $69 billion, VBA programs have a 

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

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

lives in fundamental ways. Benefits and services administered by VBA 

fall under six business lines:

Business Line Veterans & Beneficiaries Served*

Compensation - Veterans and Survivors 3,710,215

Pension - Disability & Death 515,621

Education 923,836

Insurance - Number of Lives Insured 7,056,913

Loan Guaranty - Number of Loans 357,594

VR&E - Number of Participants 116,295

*Not a unique count of those receiving services.

A Note on the Organization:

Please note that due to 

organizational alignment 

changes, the Compensation 

business line is reported 

separately from the Pension 

and Fiduciary business line. 
4 Annual Benefits Report FY 2011 Compensation

Compensation

Current Benefits

Compensation Based Upon Service-Connected Disability or Death

The compensation program provides monthly benefits to Veterans in 

recognition of the effects of disabilities, diseases, or injuries incurred 

or aggravated during active military service. The program also 

provides monthly payments to surviving spouses, dependent children, 

and dependent parents in recognition of the economic loss caused by 

a Veteran’s death during military service or, subsequent to discharge 

from military service, as a result of a service-connected disability.

To be eligible for disability compensation, the Veteran must have 

served under conditions other than dishonorable, and the disability 

must not be the result of misconduct by the Veteran. Disability 

compensation is paid monthly and varies according to the degree of 

disability and the number of dependents. The rate of compensation 

is graduated according to the combined degree of the Veteran’s 

disabilities, from 10% to 100% disabling, in increments of 10%. 

Disabilities that are due to service but not disabling are assigned a 

0% evaluation, and are not compensable unless a Veteran is suffering 

from two or more separate permanent service-connected disabilities 

rated at 0% that interfere with normal employability. In those cases, 

compensation at 10% can be awarded, but not in combination with 

any other rating. Additional benefits are payable to Veterans with 

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

foot, blindness, or deafness. VA benefits are not subject to federal or 

state income tax.

Dependency and Indemnity Compensation (DIC) is payable to the 

survivors of Servicemembers who died while on active duty, or 

Veterans who died from service-connected disabilities. VA may 

also pay DIC to survivors of Veterans continuously rated totally 

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

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

of the Veteran’s discharge from service. DIC may also be paid to the 

survivors of former Prisoners of War who died after September 30, 

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

service connected disability for a period of no less than one year 

immediately preceding death. A higher rate of DIC is payable if 

the Veteran was rated totally disabled for eight years immediately 

preceding death and the Veteran and surviving spouse were married 

for that same eight-year period. Surviving spouses and dependent 

children are potentially eligible for DIC benefits. Parents of Veterans or 

Servicemembers who die as the result of a service-connected disease 

or injury are also potentially eligible for DIC benefits. Parents’ DIC is a 

needs-based program for financially dependent parents.

A Note on the Data:

The 2011 Annual Benefits 

Report combines data 

from the Veterans Benefits 

Administration’s legacy 

Benefits Delivery Network 

(BDN) and the corporate 

database (VETSNET). As 

of the end of fiscal year 

2011, only 20,500 Veterans 

compensation records remain 

in BDN, while nearly 3.2 

million are now in VETSNET. 

The most noticeable effect 

of reporting data from 

VETSNET is in the number of 

disabilities for which Veterans 

are service‐connected. The 

BDN stored the six disabilities 

with the highest evaluations, 

whereas the corporate 

database stores all disabilities 

for each Veteran. The tables 

containing information on the 

most prevalent disabilities 

by body system are the most 

affected by this change. 

Disabilities that are evaluated 

in higher numbers, but with 

lower evaluations now appear 

in some of the top three 

disabilities by body system 

lists in the charts on pages 13 

through page 18.

Please note availability of 

gender and age data are 

limited as some records are 

listed as “Unknown.” Unknown 

records are not reported in the 

main body of the document, 

but are accounted for in 

appendix summaries. The 

tables that report gender 

and age data may show 

discrepancy relative to tables 

without gender or age

(e.g. table on page 6).
Veterans Benefits Administration Making a difference 5Compensation

Quick Reference Guide

Beneficiaries Who Began Receiving Benefits 

(Compensation and DIC) During Fiscal Year 2011 is 

238,294

Compensation – Disability 223,007

Compensation – Death 15,287

Veterans Receiving Service-Connected Disability 

Benefits at the End of Fiscal Year 2011 by Period of 

Service

World War II 191,425

Korean Conflict 148,180

Vietnam Era 1,161,473

Gulf War Era 1,203,834

Peacetime 649,829

Most Prevalent Service-Connected Disabilities for 

Veterans Receiving Compensation at the End of 

Fiscal Year 2011

Tinnitus 840,865

Hearing loss 701,760

Post traumatic stress disorder 501,280

Scars, general 441,030

Diabetes mellitus 354,581

Lumbosacral or cervical strain 309,915

Limitation of motion of the knee 299,062

Hypertensive vascular disease 294,937

Traumatic arthritis 287,751

Impairment of the knee, general 268,320

Number of Veterans and Survivors Receiving 

Compensation Benefits at the End of Fiscal Year 

2011 is 3,710,215 

Veterans received service-connected 

disability benefits 3,354,741

Survivors received service-connected 

death benefits 355,474

1,161,473 1,203,834

649,829

600 000

800,000

1,000,000

1,200,000

1,400,000

Veterans

Veterans Receiving Service‐Connected Disability Benefits at the End of

Fiscal Year 2011 by Period of Service

191,425 148,180

0

200,000

400,000

600,000

World War II Korean Conflict Vietnam Era Gulf War Era Peacetime

# V
6 Annual Benefits Report FY 2011

Compensation

Data

Summary of Beneficiaries Who Began Receiving Compensation Benefits During Fiscal Year 2011

Benefit Program Number of People

Estimated Average 

Annual Amounts 

Estimated Total 

Annual Amounts 

Compensation – Disability 223,007 $8,222 $1,833,488,303 

Compensation – Death1 15,287 $13,468 $205,890,957 

Total 238,294 $21,690 $2,039,379,260 

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

Summary of Active Compensation Benefit Accounts at the End of Fiscal Year 2011

Benefit Program Number of People

Estimated Average 

Annual Amounts 

Estimated Total

Annual Amounts 

Compensation – Disability 3,354,741 $11,737 $39,373,549,773 

Compensation – Death1 355,474 $14,529 $5,164,513,546 

Total 3,710,215 $12,004 $44,538,063,319 

1Dependency and Indemnity Compensation and Death Compensation.

Disability Compensation

Veterans Who Began Receiving Disability Compensation by Combined Degree During Fiscal Year 2011

Combined Degree Male Female Total

0% 482 18 500

10% 63,258 3,755 67,013

20% 26,135 2,041 28,176

30% 28,819 2,443 31,262

40% 16,410 1,794 18,204

50% 14,068 1,589 15,657

60% 16,537 1,354 17,891

70% 10,803 1,287 12,090

80% 6,772 919 7,691

90% 3,505 554 4,059

100% 13,703 792 14,495

Total 200,492 16,546 217,038

Adjusted Total

(Inclusion of Unknowns) 5,969 (Unknowns) 223,007
Veterans Benefits Administration Making a difference 7Compensation

Service-Connected Benefits by Combined Degree for Veterans Who Began Receiving Compensation 

During Fiscal Year 2011

Combined Degree

Estimated Total Annual Amounts Estimated Average

Annual Amounts Male Female Total

0% $553,332 $20,280 $573,612 $1,147

10% $93,356,286 $5,530,596 $98,886,882 $1,474

20% $77,720,318 $5,942,892 $83,663,210 $2,962

30% $137,695,452 $11,824,704 $149,520,156 $4,785

40% $114,880,674 $12,539,340 $127,420,014 $6,979

50% $136,959,774 $15,597,180 $152,556,954 $9,750

60% $212,546,328 $16,996,740 $229,543,068 $12,799

70% $178,731,750 $21,226,572 $199,958,322 $16,700

80% $129,423,396 $17,100,864 $146,524,260 $19,038

90% $76,425,738 $11,819,580 $88,245,318 $22,021

100% $465,219,210 $28,776,624 $493,995,834 $35,366

Total $1,623,512,258 $147,375,372 $1,770,887,630 $9,164

Adjusted Total (Unknown) $62,600,673 (Unknowns) $1,833,488,303 -

100% $493 995 834

Total Service‐Connected Benefits by Combined Degree for Veterans

Who Began Receiving Compensation During FY 2011

$199 958 322

$146,524,260

$88,245,318

$493,995,834

70%

80%

90%

100%

Degree

$127,420,014

$152,556,954

$229,543,068

$199,958,322

40%

50%

60%

70%

d Disability

$98,886,882

$83,663,210

$149,520,156

$127,420,014

10%

20%

30%

Combined

$573,612

$0 $200,000,000 $400,000,000 $600,000,000

0%

Total Benefit Per Person
8 Annual Benefits Report FY 2011

Compensation

Combined Degree of Service-Connected Disabilities for Veterans Who Began Receiving Compensation 

by Fiscal Year

Combined Degree 2007 2008 2009 2010 2011

0% 521 551 624 635 522 

10% 52,949 53,374 58,949 70,872 68,834 

20% 33,702 33,024 34,069 36,763 28,980 

30% 25,851 26,368 27,495 29,078 32,089 

40% 20,748 20,539 21,311 21,145 18,576 

50% 14,004 14,513 15,239 16,217 15,989 

60% 13,009 13,849 14,873 14,903 18,314 

70% 9,316 10,031 10,729 11,457 12,297 

80% 5,580 6,233 7,199 7,648 7,808 

90% 2,384 2,927 3,475 4,010 4,131 

100% 9,653 9,909 11,103 12,175 15,467 

Total 187,717 191,318 205,066 224,903 223,007 

Service-Connected Disability Benefits by Combined Percent of Disability for Veterans Receiving 

Compensation at the End of Fiscal Year 2011

Combined Degree Male Female Total

0% 10,705 743 11,448

10% 733,404 56,661 790,065

20% 409,591 35,964 445,555

30% 341,983 35,817 377,800

40% 294,167 32,272 326,439

50% 193,312 23,757 217,069

60% 244,989 26,104 271,093

70% 228,480 22,298 250,778

80% 177,268 17,748 195,016

90% 103,791 10,523 114,314

100% 305,510 17,860 323,370

Total 3,043,200 279,747 3,322,947

Adjusted Total

(Inclusion of Unknowns) 31,794 (Unknowns) 3,354,741
Veterans Benefits Administration Making a difference 9Compensation

Service-Connected Benefits by Combined Degree for Veterans Receiving Compensation at the End of 

Fiscal Year 2011

Combined Degree

Estimated Total Annual Amounts 

Estimated Average

Male Female Total Annual Amounts

0% $10,402,496 $830,076 $11,232,572 $1,180

10% $1,090,838,481 $84,653,377 $1,175,491,858 $1,490

20% $1,212,824,799 $105,492,000 $1,318,316,799 $2,964

30% $1,714,542,893 $181,986,624 $1,896,529,517 $5,001

40% $2,131,286,899 $235,689,228 $2,366,976,127 $7,217

50% $1,973,453,883 $244,653,588 $2,218,107,471 $10,170

60% $3,803,458,551 $365,882,148 $4,169,340,699 $15,199

70% $5,275,016,002 $461,174,848 $5,736,190,851 $22,427

80% $4,578,907,287 $417,842,208 $4,996,749,495 $25,233

90% $2,996,029,904 $284,391,492 $3,280,421,396 $28,487

100% $11,178,224,947 $647,880,867 $11,826,105,814 $36,592

Total $35,964,986,142 $3,030,476,457 $38,995,462,599 $11,514

Adjusted Total (Unknown) $378,087,174 (Unknowns) $39,373,549,773 -

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

Fiscal Year 2011

Disability Number of Veterans Percent of Total

Tinnitus 87,621 10.90%

Hearing loss 60,229 7.50%

Post traumatic stress disorder 42,679 5.30%

Limitation of flexion, knee 31,179 3.90%

Lumbosacral or cervical strain 26,796 3.30%

Tendon inflammation 23,398 2.90%

Degenerative arthritis of the spine 22,593 2.80%

Diabetes mellitus 21,767 2.70%

Limitation of motion of the ankle 21,204 2.60%

Scars, general 20,450 2.50%

Total – Most Prevalent Disabilities 357,916 44.47%

Total – All Disabilities 804,901 —
10 Annual Benefits Report FY 2011 Compensation

Service-Connected Disabilities by Body System for Veterans Who Began Receiving Compensation by 

Fiscal Year

Body System 2007 2008 2009 2010 2011

Percent Change 

2010-2011*

Musculoskeletal System 270,949 286,625 302,798 309,026 258,972 -16.2%

Impairment of Auditory Acuity 112,421 118,935 135,701 159,576 151,820 -4.9%

Skin 78,068 80,737 81,335 83,485 75,344 -9.8%

Neurological Conditions 53,142 58,003 65,932 70,695 69,315 -2.0%

Mental Disorders 42,936 49,315 53,226 60,535 64,495 6.5%

Respiratory System 33,456 38,165 41,769 42,352 49,235 16.3%

Digestive System 32,621 34,344 34,590 34,241 37,221 8.7%

Genitourinary System 31,142 30,630 30,150 29,097 29,249 0.5%

Cardiovascular System 22,214 24,539 26,493 28,802 27,003 -6.2%

Endocrine System 24,328 24,700 25,962 26,639 23,789 -10.7%

Eye 8,152 8,862 9,272 9,559 7,918 -17.2%

Dental and Oral Conditions 3,920 3,917 3,842 3,886 3,438 -11.5%

Gynecological Conditions 3,236 3,649 3,786 3,541 2,776 -21.6%

Hemic and Lymphatic Systems 2,018 2,136 2,387 2,622 2,488 -5.1%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies 1,756 1,680 1,711 1,710 1,838 7.5%

Total 720,359 766,237 818,954 865,766 804,901 -7.0%

Note: The percent change from 2010-2011 is used because of the database changes discussed on “A Note on the Data” on page 3.

Most Prevalent Service‐Connected Disabilities for Veterans Who Began

Receiving Compensation During Fiscal Year 2011

87,621

Tinnitus

Hearing loss

Post traumatic stress disorder

60,229

42,679

31 179

os au a c s ess d so de

Limitation of flexion, knee

Lumbosacral or cervical strain

Tendon inflammation 31,179

26,796

23,398

22 593

446,985 Degenerative arthritis of the spine

Diabetes mellitus

Limitation of motion of the ankle

22,593

21,767

21,204 20,450

Scars, general

All Other Disabilities

Chart for Table 

on previous page.

(Most Prevalent 

Service-Connected 

Disabilities for 

Veterans Who 

Began Receiving 

Compensation 

During Fiscal 

Year 2011)
Veterans Benefits Administration Making a difference 11Compensation

Number of Veterans with Service-Connected Disabilities Receiving Compensation by Combined Percent 

by Fiscal Year

Combined Degree 2007 2008 2009 2010 2011

Percent Change 

2007-2011 

0% 13,790 13,318 12,857 12,348 11,664 -15.4%

10% 784,286 785,355 785,540 793,381 797,739 1.7%

20% 430,925 439,194 445,833 453,153 449,584 4.3%

30% 346,198 354,810 362,525 371,736 381,760 10.3%

40% 275,242 289,071 302,686 317,863 329,545 19.7%

50% 172,995 184,478 196,561 209,091 219,123 26.7%

60% 198,627 214,201 231,341 250,566 273,569 37.7%

70% 179,280 194,196 211,819 231,606 252,937 41.1%

80% 125,405 139,417 155,767 175,652 196,662 56.8%

90% 67,439 75,560 86,119 99,336 115,236 70.9%

100% 249,991 262,682 278,604 295,529 326,922 30.8%

Total 2,844,178 2,952,282 3,069,652 3,210,261 3,354,741 18.0%

Age of Veterans Who Began Receiving Service-Connected Compensation During Fiscal Year 2011

Age Number of Veterans

Estimated Total 

Annual Amounts Percent of Total 

34 and under 50,185 $384,648,660 21.0%

35 - 54 54,336 $469,460,832 25.6%

55 - 74 100,107 $825,207,974 45.0%

75 and over 17,843 $149,850,309 8.2%

Total 222,471 $1,829,167,775 99.8%

Adjusted Total (Including Unknowns) 223,007 $1,833,488,303 100.0%

Age of Veterans Receiving Service-Connected Compensation at the End of Fiscal Year 2011

Age Number of Veterans

Estimated Total 

Annual Amounts Percent of Total

34 and under 344,494 $2,959,581,511 7.5%

35 - 54 972,444 $9,706,385,778 24.7%

55 - 74 1,531,837 $21,012,862,677 53.4%

75 and over 504,474 $5,683,480,894 14.4%

Total 3,353,249 $39,362,310,860 100.0%

Adjusted Total (Including Unknowns) 3,354,741 $39,373,549,772 100.0%
12 Annual Benefits Report FY 2011 Compensation

The following tables organize information according to the number of service‐connected disabilities and their 

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

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

Individual Service-Connected Disabilities by Evaluation for Veterans 

Receiving Compensation at the End of Fiscal Year 2011

Evaluation

Number of Disabilities

Male Female Total

0% 3,885,728 472,470 4,358,198

10% 4,662,523 532,824 5,195,347

20% 1,126,555 73,712 1,200,267

30% 775,198 100,656 875,854

40% 263,429 20,581 284,010

50% 298,374 40,264 338,638

60% 190,326 9,929 200,255

70% 161,214 12,746 173,960

80% 12,923 511 13,434

90% 3,846 105 3,951

100% 279,746 14,796 294,542

Total 11,659,862 1,278,594 12,938,456

Adjusted Total

(Inclusion of Unknowns) 188,041 (Unknowns) 13,126,497

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

evaluation, not as 100% disabled.
Veterans Benefits Administration Making a difference 13Compensation

Frequency of Individual Service-Connected Disabilities by Body System for Veterans Receiving 

Compensation at the End of Fiscal Year 2011

Body System

Number of Disabilities

Total

Percent 

of Total 

Musculoskeletal System 4,721,091 36%

Impairment of Auditory Acuity 1,679,146 12.80%

Skin 1,407,126 10.70%

Neurological Conditions and Convulsive Disorders 1,183,512 9%

Mental Disorders 878,417 6.70%

Cardiovascular System 732,523 5.60%

Digestive System 675,434 5.10%

Respiratory System 582,933 4.40%

Genitourinary System 464,634 3.50%

Endocrine System 396,121 3%

Eye 187,440 1.40%

Gynecological System 72,512 0.60%

Dental and Oral Conditions 58,705 0.40%

Infectious Diseases, Immune Disorders and Nutritional Deficiencies 47,756 0.40%

Hemic and Lymphatic Systems 39,147 0.30%

Total All Conditions 13,126,497 100%
14 Annual Benefits Report FY 2011 Compensation

Service-Connected Disabilities by Body System for Veterans Receiving Compensation by Fiscal Year

Body System 2007 2008 2009 2010 2011

Percent Change 

FY 2010-FY 20111

Musculoskeletal System 3,691,871 3,888,519 4,140,015 4,471,591 4,721,091 5.6%

Impairment of 

Auditory Acuity 1,124,454 1,223,590 1,350,484 1,525,066 1,679,146 10.1%

Skin 1,091,036 1,163,815 1,216,801 1,322,605 1,407,126 6.4%

Neurological Conditions 782,573 851,270 939,363 1,072,504 1,183,512 10.4%

Mental Disorders 629,475 661,015 718,368 792,882 878,417 10.8%

Cardiovascular System 578,278 586,001 604,052 633,440 675,434 6.60%

Digestive System 572,625 596,229 614,734 651,826 732,523 12.40%

Respiratory System 440,470 471,128 503,572 548,499 582,933 6.3%

Genitourinary System 306,055 315,051 379,961 428,984 464,634 8.3%

Endocrine System 324,490 350,401 344,402 371,644 396,121 6.6%

Eye 155,032 161,460 167,997 180,490 187,440 3.9%

Gynecological Conditions 58,774 61,810 65,072 69,504 72,512 4.3%

Dental and 

Oral Conditions 43,982 47,506 50,556 55,304 58,705 6.1%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies 50,147 48,462 47,539 47,816 47,756 -0.1%

Hemic and 

Lymphatic Systems 31,319 32,139 33,921 36,743 39,147 6.5%

Total 9,880,581 10,458,396 11,176,8391 12,208,882 13,126,497 7.5%

The tables on the following pages identify the total 

number of service‐connected disabilities grouped 

by body system. The percentages reflect the 

proportional amount that each rating represents for 

that body system.

Total conditions on the following pages similarly 

reflect the proportional amount for each rating 

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

total service‐connected disabilities are rated at 

10 percent.
Veterans Benefits Administration Making a difference 15Compensation

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

2011 by Percent and Body System

Rating Musculoskeletal System Auditory Skin Neurological Conditions

0% 1,275,716 27.0% 601,186 35.8% 1,007,675 71.6% 190,777 16.1%

10% 2,451,849 51.9% 941,527 56.1% 337,757 24.0% 626,423 52.9%

20% 576,835 12.2% 38,870 2.3% 8,060 0.6% 162,657 13.7%

30% 176,483 3.7% 32,108 1.9% 40,260 2.9% 102,878 8.7%

40% 139,882 3.0% 21,535 1.3% 2,070 0.1% 50,640 4.3%

50% 19,580 0.4% 14,102 0.8% 3,401 0.2% 22,108 1.9%

60% 47,972 1.0% 7,415 0.4% 7,017 0.5% 10,405 0.9%

70% 4,044 0.1% 4,662 0.3% 17 0.0% 5,448 0.5%

80% 1,314 0.0% 4,653 0.3% 612 0.0% 3,773 0.3%

90% 953 0.0% 1,858 0.1% 3 0.0% 452 0.0%

100% 26,455 0.6% 11,228 0.7% 249 0.0% 7,951 0.7%

Total 4,721,091 36.0% 1,679,146 12.8% 1,407,126 10.7% 1,183,512 9.0%

Rating Mental Disorders Cardiovascular Digestive System Respiratory System

0% 24,307 2.8% 162,365 22.2% 399,435 59.1% 278,602 47.8%

10% 121,163 13.8% 285,955 39.0% 189,551 28.1% 124,199 21.3%

20% 531 0.1% 54,202 7.4% 25,168 3.7% 4,884 0.8%

30% 246,643 28.1% 102,776 14.0% 37,485 5.5% 64,488 11.1%

40% 474 0.1% 18,214 2.5% 6,390 0.9% 889 0.2%

50% 185,946 21.2% 1,020 0.1% 1,120 0.2% 79,354 13.6%

60% 193 0.0% 66,553 9.1% 6,650 1.0% 15,172 2.6%

70% 160,315 18.3% 123 0.0% 177 0.0% 81 0.0%

80% 22 0.0% 42 0.0% 399 0.1% 97 0.0%

90% 3 0.0% 19 0.0% 1 0.0% 3 0.0%

100% 138,819 15.8% 41,253 5.6% 9,058 1.3% 15,163 2.6%

Total 878,417 6.7% 732,523 5.6% 675,434 5.1% 582,933 4.4%

Rating Genitourinary System Endocrine System Eye Gynecological System

0% 266,111 57.3% 9,768 2.5% 82,973 44.3% 29,740 41.0%

10% 41,083 8.8% 62,486 15.8% 47,444 25.3% 9,106 12.6%

20% 35,004 7.5% 297,468 75.1% 10,679 5.7% 153 0.2%

30% 28,102 6.0% 2,894 0.7% 29,927 16.0% 17,979 24.8%

40% 24,219 5.2% 17,292 4.4% 6,117 3.3% 554 0.8%

50% 29 0.0% 27 0.0% 2,393 1.3% 14,414 19.9%

60% 34,779 7.5% 3,813 1.0% 1,511 0.8% 162 0.2%

70% 6 0.0% 5 0.0% 1,768 0.9% 1 0.0%

80% 2,652 0.6% 2 0.0% 187 0.1% 48 0.1%

90% — — 1 0.0% 785 0.4% — —

100% 32,649 7.0% 2,365 0.6% 3,656 2.0% 355 0.5%

Total 464,634 3.5% 396,121 3.0% 187,440 1.4% 72,512 0.6%
16 Annual Benefits Report FY 2011 Compensation

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

2011 by Percent and Body System (continued)

Rating

Infectious Diseases, 

Immune Disorders, 

Nutritional Deficiencies

Dental and Oral 

Conditions

Hemic and Lymphatic 

Systems Total All Conditions

0% 36,191 75.8% 30,879 52.6% 15,666 40.0% 4,411,391 39.7%

10% 4,116 8.6% 18,976 32.3% 2,775 7.1% 5,264,410 26.5%

20% 966 2.0% 5,420 9.2% 2,199 5.6% 1,223,096 9.7%

30% 1,513 3.2% 2,414 4.1% 7,683 19.6% 893,633 10.0%

40% 809 1.7% 740 1.3% 258 0.7% 290,083 2.0%

50% 29 0.1% 214 0.4% 11 0.0% 343,748 4.0%

60% 2,453 5.1% 9 0.0% 349 0.9% 204,453 2.1%

70% 8 0.0% 1 0.0% 291 0.7% 176,947 1.4%

80% 48 0.1% 2 0.0% 4 0.0% 13,855 0.1%

90% 1 0.0% — — — — 4,079 0.0%

100% 1,622 3.4% 50 0.1% 9,911 25.3% 300,784 4.4%

Total 47,756 0.4% 58,705 0.4% 39,147 0.3% 13,126,479 9.1%

Adjusted Total

(Inclusion of Unknowns) 18 (Unknowns) 13,126,497
Veterans Benefits Administration Making a difference 17Compensation

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Musculoskeletal System

Lumbosacral or cervical strain 309,915 6.6%

Impairment of the knee, general 299,062 6.3%

Traumatic arthritis 287,751 6.1%

Endocrine System

Diabetes mellitus 354,581 89.5%

Hypothyroidism 25,474 6.4%

Hyperthyroidism 6,728 1.7%

Impairment of 

Auditory Acuity

Tinnitus 840,865 50.1%

Hearing loss 701,760 41.8%

Otitis media, chronic (ear infection) 27,683 1.6%

Genitourinary System

Penile deformity (loss of erectile power) 152,133 32.7%

Malignant growths of genitourinary system 74,070 15.9%

Prostate gland injuries 46,160 9.9%

Skin

Scars, general 441,030 31.3%

Scars, superficial (tender) 242,990 17.3%

Eczema 206,408 14.7%

Eye

Vision in 1 eye 20/100, 20/70 or 20/50; 20/40 in other 16,120 8.6%

Conjunctivitis, chronic 16,053 8.6%

Unhealed eye injury 13,588 7.2%

Neurological

Paralysis of the sciatic nerve 256,430 21.7%

Migraine 193,905 16.4%

Paralysis of the median nerve 171,775 14.5%

Gynecological System

Removal of uterus 14,779 20.4%

Removal of uterus and both ovaries 13,296 18.3%

Benign growths of gynecological system or breast 7,683 10.6%

Mental Disorders

Post traumatic stress disorder 501,280 57.1%

Major depressive disorder 98,914 11.3%

Generalized anxiety disorder 51,873 5.9%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies

Malaria 30,725 64.3%

Chronic fatigue syndrome 5,275 11.0%

HIV-Related Illness 3,587 7.5%

Cardiovascular System

Hypertensive vascular disease 294,937 40.3%

Arteriosclerotic heart disease (coronary artery disease) 143,362 19.6%

Residuals of cold injury 70,450 9.6%

Dental and Oral Conditions

Limited motion of the jaw 36,768 62.6%

Malunion of lower jaw 8,828 15.0%

Loss of Teeth 4,439 7.6%
18 Annual Benefits Report FY 2011 Compensation

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Digestive System

Hemorrhoids 184,604 27.3%

Hiatal hernia 158,615 23.5%

Inguinal hernia 64,286 9.5%

Hemic and Lymphatic 

Systems

Anemia 9,791 25.0%

Splenectomy (removal of spleen) 7,172 18.3%

Non-Hodgkin's lymphoma 6,796 17.4%

Respiratory System

Allergic rhinitis 98,406 16.9%

Sleep apnea syndromes (obstructive, central, mixed) 89,312 15.3%

Bronchial asthma 81,244 13.9%

Most Prevalent Disabilities for Veterans Receiving Compensation at the End of Fiscal Year 2011

Body System Disability

Number of Veterans All Conditions 

FY 2011 

Male Female Total (Percent of Total)

Impairment of Auditory Acuity Tinnitus 796,322 31,186 827,508 6.4%

Impairment of Auditory Acuity Hearing loss 677,339 10,406 687,745 5.3%

Mental Disorders Post traumatic stress disorder 468,519 24,035 492,554 3.8%

Skin Scars, general 393,326 38,971 432,297 3.4%

Endocrine System Diabetes mellitus 342,428 3,899 346,327 2.7%

Cardiovascular System Hypertensive vascular disease 274,232 18,356 292,588 2.4%

Musculoskeletal System Traumatic arthritis 260,105 24,979 285,084 2.3%

Musculoskeletal System Lumbosacral or cervical strain 258,030 49,485 307,515 2.2%

Musculoskeletal System

Impairment of the knee, 

general 238,320 27,454 265,774 2.2%

Musculoskeletal System

Limitation of motion of 

the knee 258,320 38,603 296,923 2.0%

Note: Records with unknown gender categories were captured as ”Unknown” and not reported.
Veterans Benefits Administration Making a difference 19Compensation

Veterans Receiving Service-Connected Disability Benefits at the End of Fiscal Year 2011

Period 

of Service

Number of 

Veterans

Estimated Total 

Annual Amounts

Estimated Average 

Annual Amounts

World War II 191,425 $2,045,266,638 $10,684

Korean Conflict 148,180 $1,579,584,831 $10,660

Vietnam Era 1,161,473 $17,735,525,245 $15,270

Gulf War 1,203,834 $11,900,955,050 $9,886

Peacetime Era 649,829 $6,112,218,009 $9,406

Total 3,354,741 $39,373,549,773 $11,737

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2011

Period of Service Disability Number of Disabilities Percent of Total

World War II

Hearing loss 54,738 12.3%

Tinnitus 38,750 8.7%

Residuals of cold injury 26,637 6%

Post traumatic stress disorder 19,064 4.3%

Scars, general 17,512 3.9%

Generalized anxiety disorder 12,820 2.9%

Scars, superficial (tender) 10,181 2.3%

Traumatic arthritis 9,244 2.1%

Flatfoot, acquired 7,357 1.6%

Scars, head, face or neck 6,828 1.5%

Estimated Average Annual Amount for Veterans Receiving

Service‐Connected Disability Benefits at the End of Fiscal

Year 2011 by Period of Service

$15 270

$20,000

Year 2011 by Period of Service

$10,684 $10,660

$15,270

$9,886 $9,406 $10 000

$15,000

$5,000

$10,000

$0

World War II Korean Conflict Vietnam Era Gulf War Peacetime Era
20 Annual Benefits Report FY 2011 Compensation

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2011

Period of Service Disability Number of Disabilities Percent of Total

Korean Conflict

Hearing loss 54,465 15.5%

Tinnitus 44,696 12.7%

Residuals of cold injury 22,117 6.3%

Scars, general 12,786 3.6%

Post traumatic stress disorder 12,745 3.6%

Scars, superficial (tender) 7,486 2.1%

Traumatic arthritis 5,616 1.6%

Scars, head, face or neck 5,188 1.5%

Duodenal ulcer 4,673 1.3%

Impairment of the knee, general 4,084 1.2%

Vietnam Era

Diabetes mellitus 303,066 7.4%

Post traumatic stress disorder 299,076 7.3%

Hearing loss 296,784 7.3%

Tinnitus 285,818 7%

Paralysis of the sciatic nerve 161,527 3.9%

Scars, general 157,946 3.9%

Arteriosclerotic heart disease

(Coronary artery disease) 112,044 2.7%

Penile deformity (loss of erectile power) 102,011 2.5%

Hypertensive vascular disease 78,215 1.9%

Paralysis of the median nerve 77,582 1.9%

Gulf War

Tinnitus 354,365 5.7%

Lumbosacral or cervical strain 235,109 3.8%

Limitation of flexion, knee 226,526 3.6%

Tendon inflammation 206,183 3.3%

Scars, general 186,306 3%

Hearing loss 177,100 2.8%

Traumatic arthritis 176,572 2.8%

Limitation of motion of the ankle 172,866 2.8%

Degenerative arthritis of the spine 167,472 2.7%

Hypertensive vascular disease 158,035 2.5%
Veterans Benefits Administration Making a difference 21Compensation

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2011

Period of Service Disability Number of Disabilities Percent of Total

Peacetime Periods

Hearing loss 118,673 6%

Tinnitus 117,236 5.9%

Impairment of the knee, general 76,210 3.8%

Scars, general 66,521 3.3%

Traumatic arthritis 55,492 2.8%

Hypertensive vascular disease 53,431 2.7%

Limitation of motion of the ankle 43,661 2.2%

Limitation of flexion, knee 40,086 2%

Lumbosacral or Cervical Strain 38,664 1.9%

Hemorrhoids 37,904 1.9%

Service-Connected Disabilities at the End of Fiscal Year 2011 by Period of Service

Period

of Service World War II

Korean 

Conflict

Vietnam 

Era

Gulf 

War 

Peacetime 

Periods

Total Number of Disabilities 446,801 352,492 4,090,973 6,242,639 1,993,592

Average Number of Disabilities per Veteran 2.33 2.38 3.52 5.19 3.07

Veterans Receiving Compensation 191,425 148,180 1,161,473 1,203,834 649,829

Total Veteran Population 1,517,404 2,274,663 5,732,223 5,554,364 7,390,961
22 Annual Benefits Report FY 2011 Compensation

Dependency and Indemnity Compensation

Dependency and Indemnity Compensation (DIC) is 

payable to survivors of Servicemembers who died 

while on active duty, or of Veterans who died from 

service-connected disability.

This section provides information about surviving 

spouses, children, and parents who received DIC 

during fiscal year 2011.

Beneficiaries Who Began Receiving DIC by Fiscal Year

Type of Benefit 2007 2008 2009 2010 2011

Surviving Spouses 17,140 16,968 16,125 26,815 13,130

Surviving Children 1,124 1,238 1,103 1,143 1,863

Surviving Parents 226 251 400 288 294

Total 18,490 18,457 17,628 28,246 15,287

Beneficiaries Receiving DIC by Relationship at the End of Fiscal Year 2011

Relationship Beneficiaries Number Percent

Surviving Spouse 338,595 95.25%

Child 12,362 3.48%

Parent 4,517 1.27%

Total 355,474 100.00%

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2011

Age Number of Beneficiaries

Estimated Total 

Annual Amounts Percent of Total

35 and under 595 $11,317,812 5.80%

36 - 55 1,518 $25,266,468 12.96%

56 - 75 6,855 $97,493,982 50.00%

Over 75 3,037 $44,842,428 23.00%

Total 12,005 $178,920,690 91.77%

Adjusted Total (Including 

Unknowns) 13,130 $194,970,924 100.00%
Veterans Benefits Administration Making a difference 23Compensation

Age of Children Who Began Receiving DIC Benefits During Fiscal Year 2011

Children’s Age Number of Beneficiaries

Estimated Total 

Annual Amounts

Under Age 18 581 $2,624,970

Age 18 and over in School 357 $1,381,760

Age 18 and over – Helpless 756 $3,900,236

Total 1,694 $7,906,966

Adjusted Total (Including Unknowns) 1,863 $10,023,042

Beneficiaries Receiving Service-Connected Death Benefits by Period of Service at the End of Fiscal 

Year 2011

Period of Service

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

Wars of the 1800s* 5 $11,112 $55,560

World War I 461 $12,427 $5,728,908

World War II 84,414 $14,735 $1,243,863,226

Korean Conflict 36,617 $15,062 $551,537,053

Vietnam Era 175,007 $14,418 $2,523,319,205

Gulf War 23,476 $13,996 $328,560,623

Peacetime Periods 35,494 $14,409 $511,448,972

Total 355,474 $14,529 $5,164,513,546

*“Wars of the 1800s” includes the Mexican Border Era, Civil War, and Spanish-American War.
24 Annual Benefits Report FY 2011 Compensation

Surviving Spouses Receiving DIC by Age at the End of Fiscal Year 2011

Age Number of Beneficiaries Estimated Average Annual Amounts

Estimated Total 

Annual Amounts 

35 and Under 4,361 $18,129 $79,060,938

36 - 55 29,352 $15,335 $450,113,016

56 - 75 148,613 $14,611 $2,171,429,706

Over 75 153,840 $15,149 $2,330,472,666

Total 336,166 $14,966 $5,031,076,326

ToAdjusted 

Total 

(Including 

Unknowns) 338,595 $14,963 $5,066,359,614

Children Receiving DIC by Age at the End of Fiscal Year 2011

Age Number of Beneficiaries Estimated Average Annual Amounts

Estimated Total

 Annual Amounts

Under Age 18 3,876 $5,609 $21,739,979 

Age 18 and over 

– in School 47 $4,621 $217,167 

Age 18 and over 

– Helpless 8,238 $7,533 $62,059,518 

Total 12,161 $6,909 $84,016,664 

Adjusted Total 

(Including 

Unknowns) 12,362 $6,886 $85,127,645 
Veterans Benefits Administration Making a difference 25Compensation

Globar War

on Terror

Global War On Terror

Since September 11, 2001 the Department of Defense has been 

deployed overseas in support of the Global War on Terror (GWOT) 

including Operation Iraqi Freedom/Operation Enduring Freedom/

Operation New Dawn (OIF/OEF/OND). The following tables share 

the most prevalent disabilities, their affected body systems, and the 

severity of disability from service.

VBA’s computer systems do not contain any data that would allow 

us to attribute Veterans’ disabilities to a specific period of service or 

deployment. We are therefore only able to identify GWOT Veterans 

who filed disability compensation claim at some point either prior to or 

following their GWOT deployment. We are not able to identify which of 

these Veterans filed a claim for disabilities incurred during their actual 

overseas GWOT deployment.

A Note on the Data:

The data in this Global War on 

Terror section is a subset of 

the National level data on the 

previous pages and is captured 

by the broader term used, 

“Gulf War.”

U.S. Marine Corps Maj. Jose Lopez, an 

operations officer with Marine Wing Support 

Squadron (MWSS) 373, salutes the national 

ensign during a transfer of authority ceremony 

at Camp Leatherneck, Helmand province, 

Afghanistan, March 27, 2011.

U.S. Marine Corps photo by Lance Cpl. Robert 

R. Carrasco/Released

Web site: www.defenseimagery.mil
26 Annual Benefits Report FY 2011 Compensation

GWOT Service-Connected Disability Benefits By Combined Percent of Disability for Veterans Receiving 

Compensation at the End of Fiscal Year 2011

Combined Degree

Number of Veterans

Estimated Total 

Annual Amounts

Estimated Average 

Male Female Annual Amounts

0% 352 71 $486,948 $1,151

10% 70,669 10,757 $121,034,892 $1,486

20% 50,560 7,794 $171,155,148 $2,933

30% 55,102 8,998 $327,617,508 $5,111

40% 53,678 9,075 $459,861,888 $7,328

50% 37,622 6,420 $457,467,240 $10,387

60% 50,477 7,416 $765,373,628 $13,220

70% 38,247 5,734 $777,299,356 $17,674

80% 34,093 5,080 $824,767,111 $21,054

90% 18,332 3,103 $529,202,256 $24,689

100% 17,654 2,654 $750,888,453 $36,975

Total 426,786 67,102 $5,185,154,427 $10,499

Note: Records with unknown gender categories were captured as ”Unknown” and not reported.

GWOT Disabilities By Body System and Gender for Veterans Receiving Compensation at End of Fiscal 

Year 2011

Body System

Number of Disabilities

Male Female Total

Cardiovascular System 86,994 12,258 99,252

Dental and Oral Conditions 12,343 3,931 16,274

Digestive System 121,350 21,077 142,427

Endocrine System 15,088 5,033 20,121

Genitourinary System 54,593 5,499 60,092

Gynecological System 550 14,530 15,080

Hemic and Lymphatic Systems 3,134 2,109 5,243

Impairment of Auditory Acuity 271,395 19,566 290,961

Infectious Diseases, Immune Disorders and Nutritional Deficiencies 1,933 603 2,536

Mental Disorders 164,710 27,866 192,576

Musculoskeletal System 1,141,498 179,952 1,321,450
Veterans Benefits Administration Making a difference 27Compensation

GWOT Disabilities By Body System and Gender for Veterans Receiving Compensation at End of Fiscal 

Year 2011

Body System

Number of Disabilities

Male Female Total

Neurological Conditions and Convulsive Disorders 179,558 39,354 218,912

Organs of Special Sense 28,413 4,967 33,380

Respiratory System 142,652 25,126 167,778

Skin 294,944 51,791 346,735

Total 2,519,155 413,662 2,932,817

Adjusted Total (Inclusion of Unknowns) 12,323 (Unknowns) 2,945,140

Disabilities By Gender for GWOT Veterans Receiving Compensation at End of Fiscal Year 2011

Body System Disability

Number of Veterans

Male Female Total

Musculoskeletal System

Lumbosacral or Cervical Strain 118,300 22,152 140,452

Limitation of flexion, knee 112,287 16,428 128,715

Tendon inflammation 107,640 16,825 124,465

Endocrine System

Diabetes mellitus 9,179 907 10,086

Hypothyroidism 4,149 2,796 6,945

Hyperthyroidism 656 506 1,162

Impairment of 

Auditory Acuity

Tinnitus 186,481 14,498 200,979

Hearing loss 73,368 2,928 76,296

Labyrinthitis 4,353 1,054 5,407

Genitourinary System

Penile deformity (loss of erectile power) 21,737 33 21,770

Nephrolithiasis (kidney stones) 6,085 737 6,822

Prostate gland injuries 6,573 18 6,591

Skin

Scars, general 68,882 12,024 80,906

Scars, superficial (tender) 56,283 11,322 67,605

Eczema 50,110 9,396 59,506
28 Annual Benefits Report FY 2011 Compensation

Disabilities By Gender for GWOT Veterans Receiving Compensation at End of Fiscal Year 2011

Body System Disability

Number of Veterans

Male Female Total

Eye

Conjunctivitis, chronic 4,155 1,058 5,213

Unhealed eye injury 2,865 355 3,220

Pterygium (thickening of membrane) 2,326 249 2,575

Neurological

Migraine 55,749 19,358 75,107

Paralysis of the median nerve 25,709 7,099 32,808

Paralysis of the sciatic nerve 21,764 2,967 24,731

Gynecological System

Removal of uterus 44 3,137 3,181

Removal of uterus and both ovaries 31 1,817 1,848

Disease or injury of the ovary 22 1,785 1,807

Mental Disorders

Post traumatic stress disorder 105,396 9,712 115,108

Major depressive disorder 16,510 7,585 24,095

Chronic adjustment disorder 9,231 2,542 11,773

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies

Chronic fatigue syndrome 729 225 954

HIV-Related Illness 456 22 478

Systemic lupus erythematosus 169 267 436

Cardiovascular System

Hypertensive vascular disease 62,229 5,908 68,137

Varicose veins 6,526 3,059 9,585

Arteriosclerotic heart disease

(Coronary artery disease) 3,428 214 3,642

Dental and Oral Conditions

Limited motion of the jaw 10,533 3,712 14,245

Loss of teeth 596 91 687

Malunion of lower jaw 598 55 653

Respiratory System

Sleep Apnea Syndromes

(Obstructive, Central, Mixed) 53,138 2,708 55,846

Allergic rhinitis 35,066 9,757 44,823

Bronchial asthma 14,592 5,088 19,680

Digestive System

Hiatal hernia 54,503 8,752 63,255

Hemorrhoids 28,138 4,642 32,780

Irritable bowel syndrome 8,813 3,260 12,073

Hemic and Lymphatic 

Systems

Anemia 1,325 1,763 3,088

Splenectomy (removal of spleen) 438 52 490

Thrombocytopenia 278 63 341

Note: Records with unknown gender categories were captured as ”Unknown” and not reported.
Veterans Benefits Administration Making a difference 29Pension

Pension

Pension programs provide needs-based benefits designed to provide 

certain wartime Veterans and their survivors a minimum level of 

income that raises their standard of living.

Current Programs

 Improved Pension

	Disability Pension

	Death Pension

• For Surviving Spouses

• For Surviving Children

 Old Law Pension and 306 Pension

Disability/Age-Based Pension

Wartime Veterans who meet the minimum service requirements in 

addition to one or more of the following basic eligibility criteria may be 

entitled to disability pension benefits:

 Permanent and total disability from nonservice-connected causes. 

Veterans are considered permanently and totally disabled if the 

Veterans are:

	A patient in a nursing home for long-term care because 

of disability,

	In receipt of Social Security Disability Insurance, or

	Unemployable due to disability as determined by VA.

 65 years of age or older

Once basic eligibility for pension is met, entitlement is subject to 

income and net worth limitations. Additional amounts may be paid to 

a Veteran who has dependents or who, due to disability, is in need of 

aid and attendance of another person or is housebound.

Death Pension

Death Pension for a Surviving Spouse

A surviving spouse of a wartime Veteran has basic eligibility for death 

pension if he or she meets the income and net worth limitations. 

Additional amounts may be paid to a surviving spouse who has 

dependents or who, due to disability, is in need of aid and attendance 

of another person, or is housebound.

Noted Information

 Pension programs provide 

needs-based benefits that 

help raise the standard 

of living for Veterans and 

their survivors.

 Current Programs: 

Improved Pension, Old Law 

Pension and 306 Pension.
30 Annual Benefits Report FY 2011 Pension

Death Pension for a Surviving Child

A surviving child of a wartime Veteran has basic eligibility for death 

pension if the following criteria are met:

 The child is unmarried, and

 Under the age of 18 years, or

 Between the age of 18 and 23 years and attending an accredited 

school, or

 Prior to reaching 18 years of age, became permanently incapable 

of self support

If the child is able to meet basic eligibility based on the above criteria, 

his or her entitlement is subject to income and net worth limitations.

Old Law and Section 306 Pension

Old Law and Section 306 Pension benefits for Veterans and their 

surviving spouses and children are similar to Improved Pension, but 

use different laws and regulations to determine entitlement and 

the amount of monthly benefit payments. Both programs are in 

the process of being phased out, and VA does not accept any new 

applications for benefits under these programs. If a beneficiary loses 

entitlement to Old Law or Section 306 Pension due to changes in 

circumstances (for example, a change in income), the beneficiary 

must establish entitlement to pension under the rules of the current 

program, Improved Pension.

Quick Reference Guide

Noted Information

 Death Pension:

Death Pension for the 

Surviving Spouse;

Death Pension for the 

Surviving Child.

 Old Law and Section 306 

are in the process of being 

phased out.

Beneficiaries Who Began Receiving Pension 

Benefit During Fiscal Year 2011

Pension – Veterans 48,292

Pension – Survivors 38,189

Number of Veterans and Survivors Receiving 

Pension Benefits at the End of Fiscal Year 2011

Pension – Veterans 313,665

Pension – Survivors 201,955
Veterans Benefits Administration Making a difference 31Pension

Summary of Beneficiaries Who Began Receiving Pension Benefits During Fiscal Year 2011

Benefit Program Number of People

Estimated Total 

Annual Amounts

Estimated Average 

Annual Amounts

Pension - Veterans 48,292 $611,765,824 $12,668

Pension - Survivors 38,189 $344,287,894 $9,015

Total 86,481 $956,053,718 $21,683

Summary of Active Pension Benefit Accounts at the End of Fiscal Year 2011

Benefit Program Number of People

Estimated Total 

Annual Amounts

Estimated Average 

Annual Amounts

Pension - Veterans 313,665 $3,262,414,725 $10,401

Pension - Survivors 201,955 $1,192,541,308 $5,905

Total 515,620 $4,454,956,033 $8,640

Disability Pension

Veterans Receiving Disability Pension at the End of Fiscal Year 2011

Type of Pension Number of Veterans

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

(Old Law) Pension 43 $1,038 $44,631

Section 306 Pension 3,505 $1,658 $5,812,748

Improved Disability Pension 310,117 $10,501 $3,256,557,346

Total 313,665 $10,401 $3,262,414,725

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

one category. Additionally, this category references entitlement restored.
32 Annual Benefits Report FY 2011 Pension

Disability Pension by Period of Service at the End of Fiscal Year 2011

Period of Service

Other Pension - 

Number of Beneficiaries

Improved Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated Total 

Annual Amounts 

Paid

World War II 1,730 78,262 79,992 $962,847,102

Korean Conflict 1,306 57,018 58,324 $501,830,284

Vietnam Era 512 163,956 164,468 $1,669,801,235

Gulf War — 10,881 10,881 $127,919,077

Total 3,548 310,117 313,665 $3,262,397,698

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

one category.

Veterans Who Began Receiving Disability Pension Benefits During Fiscal Year 2011 by Age

Age

Other 

Pension*

Improved 

Pension

Combined 

Programs

Estimated Total 

Annual Amounts Paid

Percent of 

Total

35 and under — 309 309 $3,649,668 0.60%

36 - 55 — 2,741 2,741 $31,294,500 5.12%

56 - 75 — 15,108 15,108 $143,421,145 23.44%

Over 75 — 29,932 29,932 $430,820,992 70.42%

Total — 48,090 48,090 $609,186,304 99.58%

Adjusted Total (Includes 

Unknown) — 48,292 48,292 $611,765,824 100.00%

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

one category. Additionally, this category references entitlement restored.

Estimated Total Annual Amounts Paid

(Disability Pension)

$962 847 102

$127,919,077

$962,847,102

World War II

Korean Conflict

$1,669,801,235

Vietnam Era

Gulf War

$501,830,284
Veterans Benefits Administration Making a difference 33Pension

Veterans Receiving Disability Pension at the End of Fiscal Year 2011 by Age

Age Number of Veterans 

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts Paid

under 45 7,113 $11,873 $84,451,124

45 - 54 7,292 $11,407 $83,176,670

55 - 69 154,062 $10,223 $1,574,917,676

70 - 84 75,616 $8,752 $661,767,902

85 and over 69,182 $12,328 $852,871,944

Total 313,265 $10,917 $3,257,185,316

Adjusted Total (Includes 

Unknown) 313,665 $10,401 $3,262,397,698

Death Pension

Beneficiaries Receiving Death Pension by Program at the End of Fiscal Year 2011

Type of Pension Number of Beneficiaries

Estimated Total 

Annual Amounts 

Improved Death Pension 179,674 $1,169,454,815

Section 306 Pension 22,151 $22,992,680

Old Law Pension 130 $93,813

Total 201,955 $1,192,541,308

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

one category. Additionally, this category references entitlement restored.

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2011 by Age

Age

Improved 

Pension

Estimated Total 

Annual Amounts

Percent of 

Total

35 and under 123 $1,122,090 0.36%

36 - 55 1,053 $7,342,239 2.35%

56 - 75 3,778 $25,633,754 8.19%

Over 75 29,081 $278,831,542 89.10%

Total 34,035 $312,929,625 100.00%

Note: Records with unknown dates of birth or gender categories were captured as ”Unknown” and not reported.
34 Annual Benefits Report FY 2011 Pension

Surviving Spouses Receiving Death Pension at the End of Fiscal Year 2011 by Age

Age Other Pension Improved Pension All Pension Programs

Estimated Total 

Annual Amounts Paid 

35 and Under — — — —

36 - 55 — 9,271 11,848 $70,048,217

56 - 75 — 37,009 43,029 $214,720,666

Over 75 13,655 125,347 139,002 $865,956,774

Total 13,655 171,627 193,879 $1,150,725,657

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

one category. Additionally, this category references entitlement restored.

Note: The “All Pension Programs” category includes 8,597 Unknown records.

Death Pension by Period of Service at the End of Fiscal Year 2011

Period of Service

Other Pension - 

Number of Beneficiaries

Improved Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated Total 

Annual Amounts 

Paid

Wars of the 1800s* — — — —

World War I 2,210 2,435 4,645 $13,956,942

World War II 17,248 124,469 141,717 $843,307,927

Korean Conflict 2,302 29,449 31,751 $173,466,308

Vietnam Era 437 22,342 22,779 $154,988,542

Gulf War — 920 920 $6,315,268

Total 22,197 179,615 201,812 $1,192,034,987

Adjusted Total 

(Includes Unknown) 22,281 179,674 201,955 $1,192,541,308

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

one category.

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

Estimated Total Annual Amounts Paid

(Death Pension)

$13,956,942

$154,988,542

$6,315,268

$173,466,308

World War I

World War II

Korean Conflict

Vietnam Era

Gulf War

$843,307,927
Veterans Benefits Administration Making a difference 35Fiduciary

Fiduciary

Purpose

The purpose of VA’s fiduciary program is to protect the benefits paid 

to Veterans and other beneficiaries who are unable to manage their 

financial affairs. Under this program, VA ensures that the needs of 

beneficiaries are met by selecting fiduciaries to manage VA benefits 

using the least restrictive, most effective payment method. VA also 

monitors fiduciaries to ensure that they use VA benefits for the sole 

purpose of meeting the needs of beneficiaries and their dependents.

Number of Beneficiaries by Beneficiary Type

Beneficiary Type Number of Beneficiaries

Veteran 73,462

Surviving Spouse 24,682

Adult Disabled Child 2,849

Minor Child 1,502

Dependent Parent 99

Unknown 29

Total 102,623

Benefits Paid by Category

Benefit Category

Estimated Total 

Annual Amounts Paid 

Estimated Average 

Monthly Amounts Paid 

Compensation – Disability $112,700,403 $2,540

Compensation – Death $6,579,699 $795

Pension – Disability $34,534,500 $1,012

Pension – Death $17,569,747 $382

Total $171,384,349 —

Noted Information

 VA’s Fiduciary program 

protects the interest of 

the beneficiary.
36 Annual Benefits Report FY 2011 Fiduciary

Type of Fiduciary by Category

Relationship Number

Legal Custodian 69,983

Spouse 15,482

Court-appointed Fiduciary 9,259

Institutional 320

Supervised Direct Payment 4,017

Custodian in fact 435

Supr. of Indian Reservation 0

Temporary Fiduciary 0

Other 3,127

Total 102,623

Source: Coin DOOR 7009.

Fiduciary personnel conducted 561 misuse investigations that totaled 6,679.5 hours and resulted in 25 

cases where VA removed a fiduciary based upon the fiduciary’s misuse of benefits. In Fiscal Year 2011, 

VA referred a total of 25 misuse determinations to the VA Office of the Inspector General (OIG) for 

further investigation.

During fiscal year 2011 the following actions were taken:

	Investigations Opened: 31

	Investigations Completed and Referred to Prosecutor’s Office: 20

	Cases Accepted for Prosecution: 9

	Cases Declined for Prosecution: 3

	Cases Pending: 8

Note: The figures above include action taken by OIG on cases referred as of FY 2011. Figures may include data from previous years.

The number of OIG prosecutorial outcomes during fiscal year 2011 are as follows:

	Arrests: 17

	Indictments: 18

	Convictions: 22

Note: The figures above include action taken by OIG on cases referred as of FY 2011. Figures may include data from previous years.

The total amount of money recovered by the Government in cases arising from the misuse of benefits by a 

fiduciary is $214,167.
Noted Information

 VA Education programs 

provide Veterans, 

Servicemembers, 

reservists, and certain 

family members 

of Veterans with 

educational resources 

to supplement 

opportunities missed 

because of military 

service. These programs 

are also meant to 

help the armed forces 

both recruit and 

retain members. For 

members of the Armed 

Forces, VA educational 

benefits assist in the 

readjustment to civilian 

life. On a broader 

scale, educational 

benefits are meant to 

enhance the Nation’s 

competitiveness through 

the development 

of a more highly 

educated and more 

productive workforce.

Veterans Benefits Administration Making a difference 37Education

Education

Current Benefits

There are seven active education programs:

 Post-9/11 Veterans Educational Assistance Program 

(Post-9/11 GI Bill);

 All-Volunteer Force Educational Assistance Program

(Montgomery GI BiII - Active Duty);

 Educational Assistance for Members of the Selected Reserve 

(Montgomery GI BiII - Selected Reserve);

 Survivors and Dependents Educational Assistance (Dependents’ 

Educational Assistance - DEA);

 Post-Vietnam Era Veterans Educational Assistance

Program (VEAP);

 Reserve Educational Assistance Program (REAP); and

 National Call to Service Program (NCS).

VA education programs provide Veterans, Servicemembers, reservists, 

and certain family members of Veterans with educational resources to 

supplement opportunities missed because of military service. These 

programs are also meant to help the armed forces both recruit and 

retain members. For members of the Armed Forces, VA educational 

benefits assist in the readjustment to civilian life. On a broader 

scale, educational benefits are meant to enhance the Nation’s 

competitiveness through the development of a more highly educated 

and more productive workforce.

Education Programs

Post-9/11 Veterans Educational Assistance Program

(Post-9/11 GI Bill)

The Post-9/11 GI Bill is the most comprehensive education benefit 

package since the original GI Bill was signed into law in 1944. This 

education benefit became effective on August 1, 2009.

Requirements and features of the Post-9/11 GI Bill are:

 A minimum of 90 days of active duty service after 

September 10, 2001, or a service‐connected discharge after 

30 days of service.

 Honorable discharge from Armed Forces or continuance on 

active duty.
38 Annual Benefits Report FY 2011 Education

 Basic benefits include tuition and fees, monthly 

housing allowance, books and supplies stipend.

 Generally receive 36 months of full-time 

education benefits.

 Generally, 15 years to use benefits.

 Eligible to transfer educational benefits to 

dependent if individual meets Department of 

Defense eligibility criteria.

All-Volunteer Force Educational Assistance 

Program (Montgomery GI Bill - Active Duty)

Montgomery GI BiII - Active Duty (MGIB-AD) is a 

contributory program. The Servicemember’s pay is 

automatically reduced by $100 per month for the first 

12 months of active duty unless the Servicemember 

declines to participate at the time of enlistment.

Requirements and features of MGIB-AD are 

as follows:

 First entered active duty on or after 

June 30, 1985;

 Must fulfill one’s basic service obligation unless 

released for an acceptable reason;

 Must have completed the requirements of a 

secondary school diploma, or its equivalent, 

before applying for benefits;

 Must receive an honorable discharge;

 Maximum entitlement is 36 months.

Educational Assistance for Members of the 

Selected Reserve 

(Montgomery GI Bill - Selected Reserve)

Montgomery GI Bill - Selected Reserve (MGIB-SR) 

is the first GI Bill to provide educational assistance 

to members of the Selected Reserve (including 

National Guard members). DoD funds this program 

and is responsible for determining eligibility. VBA 

administers the program.

Requirements and features of MGIB-SR include:

 Must agree to a six-year Selected Reserve 

obligation after June 30, 1985;

 Must have completed the requirements of a 

secondary school diploma, or its equivalent, 

before applying for benefits;

 Must remain a member in good standing in the 

Selected Reserve;

 Maximum entitlement is 36 months.

Survivor and Dependent Educational Assistance 

(DEA)

DEA is a VA educational assistance program 

designed to provide education and training 

opportunities to eligible dependents of certain 

Veterans.

Features and requirements of DEA are as follows:

 Eligibility is based on the Veteran’s 

service‐connected death, total 

service‐connected disability, or MIA / POW / 

Hostage status;

 Maximum entitlement is 45 months;

 Children generally have eight years in which to 

use benefits;

 With some exceptions, children must be 

between ages 18 and 26;

 Spouses generally have 10 years in which to use 

benefits and 20 years if the Service member 

dies on active duty or if the Veteran receives 

a permanent and total rating within 3 years of 

release from active duty;

 Spouses lose entitlement if they remarry before 

age 57 but may have entitlement restored if the 

remarriage terminates by death or divorce;

Effective December 22, 2006, the program was 

expanded to grant eligibility to spouses and children 

of Servicemembers who are hospitalized or receiving 

outpatient care for a permanent and total disability 

while still on active duty.
Post-Vietnam Era Veterans Educational 

Assistance Program (VEAP)

VEAP was the first GI Bill program that required a 

contribution by the Servicemember.

Requirements and features of VEAP are as follows:

 First entered active duty after

December 31, 1976 and before July 1, 1985;

 Contributed to VEAP while on active duty and 

before April 1, 1987;

 Maximum contribution of $2,700 by

the Servicemember;

 Maximum entitlement is 36 months;

 Government matches contribution $2 for $1;

 Benefit must be used within 10 years of the 

last discharge from the service;

 Unused contributions may be refunded;

 Additional “kickers” or contributions from the 

Department of Defense (DoD) under certain 

circumstances; and

 Current full-time VEAP rate is based on 

the monthly contributions plus any DoD 

“kicker” adjustment.

Reserve Educational Assistance Program 

(REAP)

REAP is a Department of Defense program that 

provides educational assistance to members of 

the National Guard and Reserves.

Requirements and features of REAP are as follows:

 DoD determines eligibility to REAP; 

 Served on active duty after 

September 10, 2001, in support of a 

contingency operation under federal authority 

for a minimum of 90 consecutive days;

 Maximum full-time entitlement is 36 months;

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

enlistment rate.

National Call to Service (NCS)

The National Call to Service program is available to 

certain individuals who, after October 1, 2003:

 Incur an eight-year military service obligation 

(MSO). This MSO will consist of:

	Initial entry training (to include skill 

training) followed by fifteen months of 

active duty;

	Continuation of duty without a break in 

service of either an additional period 

of active duty as determined by the 

Secretary of Defense, or a period of 

24 months in an active status in the 

Selected Reserve.

After completion of this period of service, and also, 

without a break in service, the remaining period of 

obligated service will be served as follows:

 On active duty in the Armed Forces;

 In the Selected Reserve;

 In the Individual Ready Reserve;

 In Americorps, or another domestic national 

service program jointly designated by the 

Secretary of Defense and the head of such 

a program;

 In any combination of the above.

There are four incentives available for individuals 

enlisting under this program:

 Cash bonus of $5,000;

 Repayment of a qualifying student loan not to 

exceed $18,000;

 Educational allowance equal to the 3-year 

monthly Chapter 30 rate for 12 months; or

 Educational allowance equal to 50% of the 

less than 3-year monthly Chapter 30 rate for 

36 months.

Veterans Benefits Administration Making a difference 39Education
40 Annual Benefits Report FY 2011 Education

Quick Reference Guide

Beneficiaries by Program by Fiscal Year

Program 2007 2008 2009 2010 2011

MGIB-AD 343,751 354,284 341,969 247,105 185,220

Post 9/11 0 0 34,393 365,640 555,329

MGIB-SR 60,298 62,390 63,469 67,373 65,216

REAP 41,388 44,014 42,881 30,269 27,302

DEA 77,339 80,191 81,327 89,696 90,657

VEAP 568 560 448 286 112

Total 523,344 541,439 564,487 800,369 923,836 

Source: Benefits Delivery System Reports.

Beneficiaries Who Received Education Benefits by Type of Training and Program During Fiscal Year 2011

Education 

Program

College

On The Job, 

Apprenticeship, 

Flight, 

Correspondence, 

Licensing, and 

Cert, Tuition 

Asst.3

Vocational/

Technical

Program 

Totals

Percent 

of All 

Non-Degree Graduate Programs

UnderGraduate

MGIB-AD1 56,038 18,990 81,433 9,588 19,171 185,220 50.3%

POST 9/112 — — — — — — 0.0%

MGIB-SR3 23,060 2,053 35,066 2,576 2,461 65,216 17.7%

600,000

Beneficiaries by Program by Fiscal Year

400 000

500,000

MGIB‐AD

300,000

400,000

Post 9/11

MGIB‐SR

100,000

200,000 REAP

DEA

VEAP

0

,

2007 2008 2009 2010 2011
Veterans Benefits Administration Making a difference 41Education

Beneficiaries Who Received Education Benefits by Type of Training and Program During Fiscal Year 2011

Education 

Program

College

On The Job, 

Apprenticeship, 

Flight, 

Correspondence, 

Licensing, and 

Cert, Tuition 

Asst.3

Vocational/

Technical

Program 

Totals

Percent 

of All 

Non-Degree Graduate Programs

UnderGraduate

REAP 6,685 2,173 12,366 1,408 4,670 27,302 7.4%

DEA2 39,475 5,368 42,528 3,286 — 90,657 24.6%

VEAP 14 20 33 4 41 112 0.0%

Type 

Training 

Totals 125,272 28,604 171,426 16,862 26,343 368,507 100.0%

Percent

of Program 

Totals 34.0% 7.8% 46.5% 4.6% 7.1% — — 

1MGIB‐AD Includes Peacetime Veterans and Servicemembers. 2Training type statistics are not available for the Post-9/11 GI Bill3Only MGIB-AD is eligible to receive Tuition Assistance.

Source: Education Service Reports.

Training Available Under Education Benefit Programs

Available Training MGIB-AD Post-9/11 MGIB-SR DEA VEAP REAP

College or University Degree X X X X X X

Business, Technical or Vocational Programs X X1 X X X

Independent Study or Distance Learning X X1 X X X X

Correspondence Courses X X X2 X X

Flight Training X X X3 X X

Reimbursement of Licensing & 

Certification Exams

X X X X X X

Accelerated Payments for High Tech Classes X X X

Reimbursement for National Admissions & 

Credit Exams

X X X X X

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

Tuition Assistance Top Up Program X

Entrepreneurship Courses X X X X

Remedial, Deficiency, & Refresher Training 

(in some cases) X X X X X

H.S. Diploma or GED X X

1IHL only.

2Spouses only.

3Only at Institutions of Higher Learning for credit towards a 

college degree.
42 Annual Benefits Report FY 2011 Education

Data

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2011

Program Total Beneficiaries Total Payments4

MGIB-AD1 185,220 $1,390,582,140.52

Post-9/11 555,329 $8,126,054,901.71

MGIB-SR2 65,216 $181,036,151.53

REAP 27,302 $114,138,773.06

DEA 90,657 $688,748,300.76

VEAP 112 $162,668.20

Total3 923,836 $10,501,215,409.47

1MGIB-AD Includes Peacetime Veterans and Servicemembers.

2Based on service in the Selected Reserve.

Source: VBA HINES Finance Center.

Beneficiaries Received Education Benefits By Training Time and Program During Fiscal Year 2011

Education 

Program

Training Time

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

MGIB-AD1 11,927 28,787 27,363 95,307 

MGIB-SR 1,898 5,529 7,342 47,995 

Post-9/112 — — — — 

REAP 1,525 3,468 3,306 14,339 

114,138,773

688,748,301

162,668

Total Payments to Beneficiaries

1,390,582,141 181,036,152

162,668

MGIB‐AD

Post‐9/11

MGIB‐SR

8,126,054,902 REAP

DEA

VEAP
Veterans Benefits Administration Making a difference 43Education

Beneficiaries Received Education Benefits By Training Time and Program During Fiscal Year 2011

Education 

Program

Training Time

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

DEA2 — — — — 

VEAP 16 25 5 25 

Training Time Totals 15,366 37,809 38,016 157,666 

Percent of 

Program Totals 6.2% 15.2% 15.3% 63.4%

1MGIB-AD includes peacetime Veterans and Servicemembers.

2Training time are not currently available for the Post-9/11 GI Bill or the Dependents’ Educational Assistance Program. Nor are 

beneficiaries who used On the Job, Apprenticeship, Flight, Licensing and Certification training programs included in any training time 

statistics.

Source: Education Service Reports.

Additional Education Opportunities

The Post-9/11 GI Bill allows those eligible for the program to transfer their educational benefit to a dependent 

if they meet Department of Defense eligibility criteria. During fiscal year 2011 there were 114,411 

beneficiaries who received transferred benefits from a Servicemember or Veteran. Of those, 82,269 were 

children while 32,142 were spouses.

The U.S. Army has continued the transfer of entitlement for the chapter 30 MGIB-AD program. The Army 

Transferability Program allows qualifying Chapter 30 MGIB-AD eligible members to transfer up to 18 months 

of entitlement to their dependents. There were 608 eligible participants and 74 beneficiaries in this program 

in fiscal year 2011, totaling over $385 thousand in payments.

Congress passed Public Law 111-32 that amended the Post-9/11 GI Bill and established The Marine 

Gunnery Sergeant John David Fry Scholarship (Fry Scholarship). Children of an active duty member of the 

Armed Forces who died in the line of duty on or after September 11, 2001, are eligible for this benefit. A 

child may be married or over 23 and still be eligible. During FY 2011, 705 children received Post-9/11 GI Bill 

benefits under the Fry Scholarship.

Four additional ways are available for beneficiaries to utilize their benefits. Beneficiaries may use Tuition 

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

transferability of MGIB-AD benefits. MGIB-SR and REAP beneficiaries also participate in the licensing and 

certification program.

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

between the military service’s tuition assistance (TA) amount and the total cost of tuition and related 

expenses, up to an individual’s normal monthly benefit. An individual must receive military tuition assistance 

for the course to be eligible for TATU payments. There was a 23 percent decrease in the number of unique 

trainees in FY 2011 compared to FY 2010.

Accelerated payments may be made for certain high cost, high tech programs for enrollment on or after 

October 1, 2002. To qualify, the individual must be enrolled in a high tech program and must certify that he 

or she intends to seek employment in a high tech industry as defined by VA. The beneficiary receives a lump 

sum payment up to 60 percent of tuition and fees if the monthly amount exceeds an amount equal to 200 
44 Annual Benefits Report FY 2011 Education

percent of the monthly rate otherwise payable. Total payments under this program increased by 24 percent 

in fiscal year 2011 compared to fiscal year 2010 which includes those beneficiaries receiving accelerated 

payments under the MGIB-SR and REAP.

Unique Beneficiaries and Payments by Fiscal Year

2008 2009 2010 2011

Tuition 

Assistance 

Top-Up 14,223 $23,413 12,086 $21,423 8,114 $14,683 6,251 $11,699

License and 

Certification 

Tests 3,846 $1,973 3,329 $1,748 2,655 $1,257 2,172 $1,178

Accelerated 

Payment1 0 $3,531 0 $2,524 0 $1,754 0 $1,873

Total 18,069 $28,917 15,415 $25,695 10,769 $17,694 8,423 $14,750

1Note: Dollar ($) amounts are in thousands.

Unable to determine number of beneficiaries receiving accelerated payments.

Source: Education Service Out of System and Accelerated Payment reports.

Beneficiary Characteristics

During September 2011, the Department of Education issued a study that looked at the enrollment profile of 

military Servicemembers and Veterans enrolled in undergraduate and graduate education during academic 

years 2007 through 2008. Their study showed that about two-fifths of military undergraduates and one-fifth 

of military graduate students used GI Bill education benefits. During FY 2011, VA data show that 46 percent 

of all students used their VA education benefit while attending undergraduate training. Approximately 8 

percent used their VA education benefits for graduate, 34 percent used their benefit for non-college degree 

training and about 12 percent used their benefit for other education programs.

NCES also showed that most often both military and non-military independent undergraduates were enrolled 

in public 2-year schools. VA statistics appear to have similar characteristics. During fiscal year 2011, slightly 

over 59.6 percent of all students used their VA education benefits while attending public schools. In contrast, 

25.5 percent used the VA education benefits at private schools and only 14.7 at private non-profit schools.

The National Student Clearinghouse completed an analysis report during FY 2011 that generated degree 

characteristics of 5,000 beneficiaries. The sample consists of beneficiaries who used the MGIB-AD, 

MGIB‐SR, and REAP programs.

During the assessment period, statistics showed that the five most prevalent degrees beneficiaries 

completed were in Nursing, Business Administration, Criminal Justice, General Studies and Psychology.

The Post-9/11 GI Bill continues to out pace the Montgomery GI Bill - Active Duty (MGIB-AD) and Reserve 

Education Assistance Program (REAP) as it relates to individuals who use VA Education Benefits. During FY 

2011, there were 53,630 beneficiaries who used the Post-9/11 GI Bill for the first time. Total beneficiaries 

in MGIB-AD decreased by 25 percent in FY 2011 compared to FY 2010 and REAP decreased 9 percent 
Veterans Benefits Administration Making a difference 45Education

during the same period. There also was a 3 percent decrease in the number of individuals who used the 

Montgomery GI Bill – Selected Reserve Program (MGIB-SR) fiscal year to Fiscal Year.

Education Service created the Post-9/11 GI Bill Facebook Page in FY 2009 (www.facebook.com/

gibillEducation). The Post-9/11 GI Bill Facebook Page serves as a source of information where members 

of Facebook can “like” the Page and receive updates on the Post-9/11 GI Bill. The Facebook Page allows 

Education Service to directly interact with those who are using the Post-9/11 GI Bill and those who might 

know someone who is eligible in addition to the general Facebook community.

Facebook provides the capability for the Education Service to track and analyze data on the characteristics of 

its users. Over 37,500 Facebook members follow and interact with Education Facebook Page. In total they 

display the following characteristics:

 59 percent are male and 37 percent are female (the remaining percent did not indicate their gender);

 46 percent of the users are between the ages of 25 and 34 years old; 

 Over 20 percent are between the ages of 35 and 44 years old; 

 An overwhelming majority of users are from the United States, while Germany and Canada are second 

and third respectively.

The data is current as of October 12, 2011, and should not be seen as characteristics of those who use the 

Post-9/11 GI Bill. There is no convenient way for VA to determine if a Facebook user is also eligible and/

or using the Post-9/11 GI Bill. Therefore, the characteristics listed above should only be viewed as a limited 

sample of the Facebook user community who maintain an interest in the Post-9/11 GI Bill.
46 Annual Benefits Report FY 2011 Education

Beneficiaries Statistics

LOCATION/

BENEFIT MGIB-AD Post-9/11 MGIB-SR DEA REAP VEAP TOTAL

ALABAMA 4,913 11,582 2,053 3,332 669 2 22,551

ALASKA 350 2,592 166 192 12 0 3,312

ARIZONA 15,079 27,992 1,965 3,631 1,171 3 49,841

ARKANSAS 1,320 3,463 1,226 1,781 566 1 8,357

CALIFORNIA 14,279 63,263 3,097 7,119 650 12 88,420

COLORADO 4,978 16,827 861 1,755 370 3 24,794

CONNECTICUT 915 3,276 554 397 130 1 5,273

DELAWARE 249 1,499 164 247 35 0 2,194

DISTRICT OF 

COLUMBIA 267 2,227 35 198 12 1 2,740

FLORIDA 14,608 42,607 3,020 6,810 1,081 7 68,133

GEORGIA 7,836 19,735 2,655 4,015 571 3 34,815

HAWAII 496 5,910 343 387 29 1 7,166

IDAHO 904 2,200 428 458 106 1 4,097

ILLINOIS 8,859 18,089 2,522 2,162 1,312 5 32,949

INDIANA 2,238 7,312 1,956 1,240 658 2 13,406

IOWA 6,045 8,176 1,631 980 888 1 17,721

KANSAS 1,809 5,237 697 642 336 1 8,722

KENTUCKY 1,802 5,805 1,024 1,849 380 1 10,861

LOUISIANA 1,788 5,681 1,215 1,618 322 1 10,625

MAINE 407 1,581 283 646 67 1 2,985

MARYLAND 3,512 17,050 629 1057 151 3 22,402

MASSACHUSETTS 1,379 7,078 759 1,036 213 3 10,468

MICHIGAN 2,337 8,896 1,260 1,696 275 4 14,468

MINNESOTA 2,725 9,799 1,858 1,613 576 3 16,574

MISSISSIPPI 1,052 4,245 1,412 995 592 1 8,297

MISSOURI 6,700 11,592 2,129 1,701 1,742 3 23,867

MONTANA 465 1,670 315 372 37 0 2,859

NEBRASKA 1,792 3,713 752 821 316 1 7,395

NEVADA 1,175 4,180 410 585 79 1 6,430

NEW HAMPSHIRE 301 1,736 184 240 34 1 2,496

NEW JERSEY 1,446 6,504 987 821 179 2 9,939

NEW MEXICO 1,619 3,256 441 1,232 108 1 6,657

NEW YORK 3,765 17,292 1,785 2,513 408 5 25,768

NORTH CAROLINA 6,567 15,539 1,651 4,303 579 3 28,642

NORTH DAKOTA 399 1,294 573 227 247 0 2,740

OHIO 3,803 12,700 2,802 1,989 981 4 22,279

OKLAHOMA 3,142 5,899 1,241 2,357 606 1 13,246

OREGON 1,848 6,246 621 1,414 269 2 10,400

PENNSYLVANIA 3,395 16,461 2,325 2,274 429 4 24,888

RHODE ISLAND 211 1,424 224 210 62 1 2,132
Veterans Benefits Administration Making a difference 47Education

Beneficiaries Statistics

LOCATION/

BENEFIT MGIB-AD Post-9/11 MGIB-SR DEA REAP VEAP TOTAL

SOUTH CAROLINA 1,950 9,171 1,575 2,395 248 2 15,341

SOUTH DAKOTA 442 1,274 674 284 192 0 2,866

TENNESSEE 2,591 10,105 1,360 1,808 538 2 16,404

TEXAS 14,575 49,938 3,255 8,204 899 7 76,878

UTAH 1,819 4,364 1,063 714 385 1 8,346

VERMONT 241 1,119 120 116 29 0 1,625

VIRGINIA 7,160 38,883 1,489 3,420 518 4 51,474

WASHINGTON 3,487 15,051 719 2,408 186 3 21,854

WEST VIRGINIA 5,278 6,807 980 899 976 1 14,941

WISCONSIN 1,517 7,355 1,456 1,381 604 2 12,315

WYOMING 456 689 191 145 109 0 1,590

PUERTO RICO 487 1,565 1,413 1,574 667 1 5,707

PHILIPPINES 243 370 2 14 1 0 630

FOREIGN 2 1,105 205 380 32 0 1,724

OTHER /

UNKNOWN* 8,197 34,813 2,302 0 4,557 0 50,176

NATIONAL 

TOTALS 185,220 594,2371 65,216 90,657 27,302 112 962,7791

1Note: State statistics may include individuals who used their education benefits in more than one state, therefore the total within this 

table should not be used to reflect the total number of beneficiaries during the fiscal year. For example: The total number of Post-9/11 

beneficiaries is 555,329 and the total number of beneficiaries across programs is 923,836.
In December 2005, the SGLI 

program was expanded to 

provide protection against 

traumatic injury. TSGLI is 

automatically provided to all 

Servicemembers enrolled in 

SGLI for an additional premium 

of $1.00 per month. TSGLI 

provides short-term monetary 

assistance to severely injured 

Servicemembers who suffer 

losses as a direct result 

of traumatic injuries. The 

monetary assistance is 

intended to help the member 

and the member’s family 

through an often long and 

arduous treatment and 

rehabilitation period. Payments 

range from $25,000 to a 

maximum of $100,000.

48 Annual Benefits Report FY 2011 Insurance

Insurance

The various life insurance programs can be grouped into three 

categories; Matured Life Insurance Programs, Disabled Veterans Life 

Insurance Programs, and Uniformed Services and Post-Vietnam Life 

Insurance Programs.

The life insurance programs provide Servicemembers and their families 

with universally available life insurance without underwriting, as well as 

traumatic injury protection insurance for Servicemembers. They also 

provide for the conversion to a renewable term insurance policy after a 

Servicemember’s separation from service. In addition, the programs 

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

commercial insurance at standard (healthy) rates due to lost or impaired 

insurability resulting from military service.

Current Benefits

Matured Life Insurance Programs

These programs were established to provide the same or better life 

insurance benefits than were available to private citizens when these 

programs were established. The matured life insurance programs 

are closed to the issuance of new coverage, but continue to have 

active policies. These include the National Service Life Insurance 

(NSLI), United States Government Life Insurance (USGLI), Veterans’ 

Special Life Insurance (VSLI) and Veterans’ Reopened Insurance 

(VRI) programs.

Disabled Veterans Insurance Programs

These programs were established to provide insurance coverage 

and services to Veterans who lose their ability to purchase 

commercial insurance at standard (healthy) rates because of their 

service‐connected disabilities. These life insurance programs 

continue to issue coverage. These include the Service-Disabled 

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

(VMLI) programs.

Uniformed Services and Post-Vietnam Veterans

These programs were established to provide insurance coverage 

and services to active duty and reserve members of the uniformed 

services that are commonly provided by large scale civilian employers. 

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

Servicemembers’ Group Life Insurance (FSGLI), Servicemembers’ 

Group Life Insurance Traumatic Injury Protection (TSGLI) and Veterans’ 

Group Life Insurance (VGLI).
Veterans Benefits Administration Making a difference 49Insurance

The Veterans’ Benefit Act of 2010 resulted in increased coverage for several insurance programs. 

 Veterans covered under the Veterans’ Group Life Insurance (VGLI) program are now afforded the 

opportunity to increase their coverage by $25,000 on each five-year anniversary of their policy, up to the 

current legislated maximum coverage. This coverage can be issued regardless of the Veteran’s health. 

The additional increase cannot exceed the $400,000 maximum amount of SGLI/VGLI.

 Veterans’ Mortgage Life Insurance (VMLI) was increased from $90,000 to $150,000 effective 

October 1, 2011, and from $150,000 to $200,000 effective January 1, 2012.

 Supplemental Service-Disabled Veterans Insurance (SRH) was increased from $20,000 to $30,000 

effective October 1, 2011.

 Coverage under the Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) program 

is now extended retroactively to October 7, 2001 to all Servicemembers who suffered a traumatic injury 

that resulted in a qualifying loss. Previously, this coverage was available only to Servicemembers serving 

in Operation Enduring Freedom and Operation Iraqi Freedom.

Quick Reference Guide

Lives Insured

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

supervised insurance programs.

Lives Insured by Fiscal Year

Lives Insured 2007 2008 2009 2010 2011

Face Amount 

($ in billions) $1,086 $1,088 $1,106 $1,121 $1,115

Veterans 

(Administered Programs) 1,261,559 1,176,794 1,096,335 1,021,799 951,268

Veterans (VMLI) 2,368 2,309 2,273 2,381 2,395

Veterans (VGLI) 430,636 431,281 429,271 426,650 426,750

Servicemembers (SGLI) 2,353,500 2,356,500 2,402,500 2,433,500 2,422,5001

Spouses and Children 

(FSGLI) 3,075,000 3,104,000 3,168,000 3,272,000 3,254,0002

Total Lives Insured 7,123,063 7,070,884 7,098,379 7,156,330 7,056,913

1Note: Includes active, ready reserve, part-time and post separation members. 2Note: Includes 1,128,000 spouses and 2,126,000 children.

Source: Fiscal year 2011 State of Residence Report; fiscal year 2011 Exhibit of Insurance Inforce.
50 Annual Benefits Report FY 2011 Insurance

Benefits Paid

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

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

surrenders, and disability claims paid on administered policies.

Benefits Paid by Fiscal Year

Benefits 2007 2008 2009 2010 2011

Death Awards $2,484,514,176 $2,231,417,257 $2,322,113,344 $2,350,902,305 $2,342,223,271

Dividends $374,770,000 $338,082,018 $310,050,719 $273,294,139 $249,092,778

Loans Made $54,840,000 $49,128,000 $55,764,000 $48,267,000 $43,278,000

Matured Endowments $19,570,000 $23,152,871 $26,674,173 $32,581,366 $42,346,753

Cash Surrenders $54,246,000 $50,822,227 $48,214,456 $46,362,893 $45,806,200

Disability Claims $15,025,000 $13,677,664 $12,154,054 $10,925,122 $9,789,196

Total $3,002,965,176 $2,706,280,037 $2,774,970,746 $2,762,332,825 $2,732,536,198

Source: Fiscal year 2011 Exhibit of Insurance Inforce; fiscal year 2011 Statement of Operations and Changes in Net Position; fiscal year 

2011 Statement of Cash Flows.

Death Awards

The tables below display the number and amount of policies matured due to death on both the administered 

and supervised insurance programs.

Death Awards (Number) by Fiscal Year

2007 2008 2009 2010 2011

Administered 97,869 98,107 94,429 92,383 90,721

Supervised 6,810 5,978 8,634 8,875 9,162

Total 104,679 104,085 103,063 101,258 99,883

Source: Fiscal year 2011 Exhibit of Insurance Inforce. VMLI Database; OSGLI Monthly Report to VA.

120,000

Death Awards (Number) by Fiscal Year

80,000

100,000

40,000

60,000

0

20,000

2007 2008 2009 2010 2011

Administered Supervised Total
Veterans Benefits Administration Making a difference 51Insurance

Death Awards (Amount) by Fiscal Year

2007 2008 2009 2010 2011

Administered $1,085,229,000 $1,102,596,782 $1,082,988,898 $1,081,440,071 $1,078,356,004

Supervised $1,399,285,176 $1,128,820,475 $1,239,124,445 $1,269,462,234 $1,263,867,267

Total $2,484,514,176 $2,231,417,257 $2,322,113,343 $2,350,902,305 $2,342,223,271

Source: VMLI Database; OSGLI Monthly Report to VA; Statement of Operations and Changes in Net Position.

Number of Operations Processed on Administered Policies by Fiscal Year

2007 2008 2009 2010 2011

Loans 25,804 26,002 28,109 29,249 30,187

Cash Surrenders 12,276 10,980 10,371 9,986 9,561

Calls Answered 667,890 672,890 647,450 640,716 627,521

Correspondence 

Received 140,463 94,045 110,564 88,609 79,361

Change of Address 41,924 55,791 46,744 29,830 37,820

Online Loan 

Applications 1,199 1,560 1,939* 2,066* 2,542*

Total 889,556 860,438 843,238 798,390 784,450

Source: Distribution of Operations Report.

*The number of “Online Loan Applications” is included in the total for “Loans.” The number of “Online Loan Applications” has been 

subtracted from the total to accurately represent the number of operations processed on administered policies.

$3,000,000,000

Death Awards (Amount) by Fiscal Year

$2,000,000,000

$2,500,000,000

$1,000,000,000

$1,500,000,000

$0

$500,000,000

2007 2008 2009 2010 2011

Administered Supervised Total
52 Annual Benefits Report FY 2011 Insurance

Data

Programs That No Longer Issue Coverage

Matured Insurance Programs Years Maximum Coverage

United States Government Life Insurance (USGLI) 1919 - 1951 $10,000

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

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

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

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

Programs That Issue Coverage

Active Life Insurance Programs Year Maximum Coverage

Uniformed Services 

and Post-Vietnam 

Veterans’ Life 

Insurance

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

Servicemembers’ Group Life Insurance (FSGLI) – 

Spouse’s Coverage 2001 - present $100,000

Servicemembers’ Group Life Insurance (FSGLI) – 

Children’s Coverage 2001 - present $10,000

Servicemembers’ Group Life Insurance Traumatic 

Injury Protection (TSGLI) 2005 - present $100,000

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

Disabled Veterans’ 

Life Insurance

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

Veterans’ Mortgage Life Insurance (VMLI) 1971 - present $90,000 2

1An additional $20,000 of supplemental coverage is available to totally disabled Veterans. Effective October 1, 2011, this increased 

to $30,000. 2Maximum coverage increased to $150,000 on October 1, 2011 and to $200,000 on January 1, 2012.

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

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.

2011 Rankings by Total Life Insurance In-Force

Rank Company

Total Life Insurance 

(Millions)

1 Metropolitan Life $4,441,744

2 Prudential of America Group $3,185,573

3 Aegon USA Group $1,726,892

4 Great-West Life Group $1,642,834

5 RGA Group $1,628,359

6 Swiss Reinsurance Group $1,505,593
Veterans Benefits Administration Making a difference 53Insurance

2011 Rankings by Total Life Insurance In-Force

Rank Company

Total Life Insurance 

(Millions)

7 ING USA Life Group $1,455,780

8 VA Life Insurance $1,346,985

9 Northwestern Mutual Group $1,243,309

10 Lincoln Financial Group $1,218,990

11 New York Life Group $1,177,540

12 Hartford Life Group $1,062,372

13 SunAmerica Financial Group $918,613

14 Genworth Financial Group $865,682

15 Protective Life Corp $824,759

Source: Best’s Review (September 2011); fiscal year 2011 Exhibit of Insurance Inforce. 1Note: VA data includes $233,250M of TSGLI coverage.

Coverage Established During Fiscal Year 2011

The table that follows identifies the number of new policies issued during fiscal year 2011, the total face 

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

group insurance, the military services maintain the records on each insured Servicemember.

New Life Insurance Coverage Issued During Fiscal Year 2011

Insurance

Number of People 

Insured Total Coverage Amount Average Face Value

Maximum Face 

Value

VMLI1 366 $30,524,405 $83,400 $90,0001

SDVI2,3 22,082 $274,694,873 $12,440 $10,000

VGLI4 15,947 $4,413,445,000 $276,757 $400,000

FSGLI – Child5 197,685 $1,976,850,000 $10,000 $10,000

FSGLI – Spouse6 157,012 $15,495,200,256 $98,688 $100,000

SGLI5 210,171 $78,228,798,765 $372,215 $400,000

Total 603,263 $100,419,513,299 $166,461 —

1Source: VMLI Database – Fiscal year 2011 Reserve File Data. 

Maximum face value increased to $150,000 on October 1, 2011 

and increases to $200,000 January 1, 2012.

2Source: SDVI – Fiscal year 2011 Exhibit of Insurance Inforce; 

State of Residence Report.

3Source: Additional Coverage, up to $20,000, is available for 

totally disabled policyholders. New Supplemental SDVI policies 

(4,157) were issued. 4Source: VGLI - OSGLI Monthly Report to VA.

5Source: SGLI /FSGLI – Estimates based upon accessions to Active 

Duty and Reserve forces in fiscal year 2011. Data on accessions from 

Defense Manpower Data Center. Effective September 1, 2005, the 

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

6Source: DEERS and Military Pay Records.
54 Annual Benefits Report FY 2011 Insurance

New Life Insurance Coverage Issued by Fiscal Year

2007 2008 2009 2010 2011

Number 

of People 

Insured 706,184 713,625 658,994 663,720 603,263

Total 

Coverage 

Amounts $144,756,899,292 $144,600,111,323 $110,879,538,964 $105,903,624,053 $100,419,513,299

Average 

Face Values $204,985 $202,628 $168,256 $159,561 $166,461

Source: VMLI Database – VMLI Quarterly Report.

Source: SDVI – Fiscal year 2011 Exhibit of Insurance Inforce.

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

totally disabled policyholders. New supplemental SDVI policies 

(x,xxx) were issued.

Source: DEERS and Military Pay Records.

Source: OSGLI Monthly Report to VA. VGLI data is for fiscal year 2011. 

Estimates based upon accessions to Active Duty and Reserve forces 

in fiscal year 2011. Data on accessions from Defense Manpower Data 

Center. Effective September 1, 2005, the maximum coverage for VGLI 

and SGLI increased to $400,000.

Policy Lapses During Fiscal Year 2011

Policy Lapses Number1 Face Value1 Average Face Value

NSLI 4,531 $26,408,500 $5,828

VSLI 391 $3,016,000 $7,714

VRI 184 $1,023,000 $5,560

SDVI 1,572 $16,908,500 $10,756

Total 6,678 $47,356,000 $7,091

1Source: Fiscal year Exhibit of Insurance Inforce.
Veterans Benefits Administration Making a difference 55Insurance

Lump-Sum Payments Made to Policy Holders During Fiscal Year 2011

Payments Number1 Amount2 Average Payment

Matured 

Endowment1, 2

USGLI 132 $686,312 $5,199

NSLI 2,640 $39,557,566 $14,984

VSLI 6 $60,749 $10,125

VRI 19 $267,405 $14,074

SDVI 190 $1,774,720 $9,341

Total 2,987 $42,346,752 $14,177

Cash Surrender1, 2

USGLI 38 $80,827 $2,127

NSLI 4,811 $34,659,661 $7,204

VSLI 833 $5,103,404 $6,127

VRI 264 $1,560,965 $5,913

SDVI 741 $4,401,343 $5,940

Total 6,687 $45,806,200 $6,850

Dividends3, 4

USGLI 2,958 $447,715 $151

NSLI 665,394 $184,324,777 $277

VSLI 158,765 $58,334,922 $367

VRI 27,605 $5,985,364 $217

Total 854,722 $249,092,778 $291

Loans5, 6, 7

USGLI 64 $11,000 $172

NSLI 14,712 $20,392,000 $1,386

VSLI 4,027 $6,656,000 $1,653

VRI 1,124 $952,000 $847

SDVI 10,260 $15,267,000 $1,488

Total 30,187 $43,278,000 $1,434

1Source Number: Fiscal year 2011 Exhibit of Insurance Inforce. 2Source Amount: Fiscal year 2011 Statement of Operations 

and changes in Net Position.

3Source Number: Fiscal year 2011 Exhibit of Insurance Inforce 

– Cover Sheet.

4Source Amount: Fiscal year 2011 Source and Application of Funds. 5Source Number: Fiscal year 2011 Statement of Cash Flows. 6Source Number: Program numbers from an estimate based on 

Statistical Quality Control (SQC) reviews in fiscal year 2011 and percent of 

total.

7Source: Insurance General Ledger Accounting System; Statement of 

Program Costs and Financing.

Life Insurance Dividend Payments by Fiscal Years

Dividend Payments 2007 2008 2009 2010 2011

Number 1,255,732 1,150,671 1,049,676 951,405 854,722

Total Amounts $374,591,446 $338,082,018 $310,050,719 $273,294,139 $249,092,778

Average Payments $298 $294 $295 $287 $291
56 Annual Benefits Report FY 2011 Insurance

Lump-Sum Payments Made on Policies Matured Due to Death During Fiscal Year 2011

Death Claims Number1 Amount2 Average Payment

USGLI 639 $1,948,284 $3,049

NSLI 71,216 $845,768,362 $11,876

VSLI 7,117 $97,072,184 $13,639

VRI 3,485 $34,063,830 $9,774

SDVI 8,070 $84,309,430 $10,447

VMLI 194 $15,193,914 $78,319

SGLI3 2,281 $849,571,124 $372,456

FSGLI3

 - Spouse 804 $78,833,333 $98,051

FSGL3

 - Child 1,593 $15,929,200 $9,999

TSGLI3 2,298 $97,590,000 $42,467

VGLI3 2,186 $221,943,610 $101,530

Total 99,883 $2,342,223,271 $23,450

1Source: Fiscal year 2011 Exhibit of Insurance Inforce; VMLI Database. 2Source: Fiscal year 2011 Statement of Operations and Changes in Net Position. 3Source: VGLI/SGLI/FSGLI/TSGLI – SGLI/VGLI/TSGLI Monthly Reports from OSGLI.

Includes Basic, Accelerated Benefit Option, & Conversion Pool.

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

the death claim is paid to the Servicemember. All other death claims are paid to the Veteran’s or 

Servicemember’s designated beneficiary.

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

Number of Death Claims Paid by Fiscal Year

Death Claims 2007 2008 2009 2010 2011

Number 104,679 104,085 103,063 101,258 99,883

Total Amounts $2,467,975,806 $2,231,417,257 $2,322,113,344 $2,350,902,305 $2,342,223,271

Average Payments $23,577 $21,438 $22,531 $23,217 $23,450
Veterans Benefits Administration Making a difference 57Insurance

Monthly Payments to Policyholders at the End of Fiscal Year 2011

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

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

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

payments are made monthly.

The table below provides data on monthly payments to Veterans.

Insurance Monthly Installment Award Payments to Policyholders at the End of Fiscal Year 2011

Payment Type Number Monthly Average

Total Disability Income Provision

USGLI 13 $9,234 $710

NSLI 5,742 $6,888,636 $1,200

VSLI 1,755 $2,373,030 $1,352

VRI 352 $268,044 $761

Total 7,862 $9,538,944 $1,213

Matured Endowments

USGLI 0 $0 $0

NSLI 426 $465,864 $1,094

VSLI 369 $469,068 $1,271

VRI 20 $15,780 $789

SDVI 13 $10,740 $826

Total 828 $961,452 $1,161

Cash Surrenders

USGLI 0 $0 $0

NSLI 43 $65,418 $1,521

VSLI 1 $7,218 $7,218

VRI 2 $528 $264

SDVI 0 $0 $0

Total 46 $73,164 $1,591

Total and Permanent Disability

USGLI 13 $4,692 $361

Total 13 $4,692 $361

Source: Insurance Actuarial Valuation System (AVS) VAL-C (Settlement Option Benefits). Life income – for NSLI, VSLI are 150% of the 

Lifetime Guaranteed Amount plus the Guaranteed Certain Only Amount. TDIP Income for NSLI, VSLI, and USGLI are 150% of the Lifetime 

Guaranteed Amount.
58 Annual Benefits Report FY 2011 Insurance

Monthly Payments to Beneficiaries in Fiscal Year 2011

A monthly payment option is also available in some programs for death claim payments. The following table 

provides data on monthly payments to beneficiaries.

Insurance Monthly Installment Award Payments to Beneficiaries in Fiscal Year 2011

Death Awards Payment Type Number Annual Average

USGLI 1,309 $329,604 $252

NSLI 21,266 $13,036,818 $613

VSLI 543 $415,872 $766

VRI 164 $85,728 $523

SDVI 199 $90,660 $456

Total 23,481 $13,958,682 $594

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

the Guaranteed Certain Only Amount.

Total Insurance Policies In-Force During Fiscal Year 2011

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

USGLI 2,958 $8,113,616 $2,743 $10,000

NSLI 665,394 $8,040,295,765 $12,084 $10,000

VSLI 158,765 $2,141,156,412 $13,486 $10,000

VRI 27,605 $282,469,292 $10,233 $10,000

SDVI 227,887 $2,339,927,443 $10,268 $10,0001

VMLI 2,395 $179,031,509 $74,752 $90,0002

SGLI 2,422,500 $909,061,000,000 $375,257 $400,000

FSGLI - Child 2,126,000 $21,260,000,000 $10,000 $10,000

FSGLI - Spouse 1,128,000 $111,319,900,000 $98,688 $100,000

VGLI 426,750 $60,693,895,000 $142,224 $400,000

Total3 7,188,254 $1,115,325,789,037 $155,159 —

Source: Insurance fiscal year 2011 Exhibit of Insurance Inforce Cover Sheet. 1Additional $20,000 available for totally disabled policyholders. Effective October 1, 2011, this increased to $30,000. 2Maximum face value increased to $150,000 on October 1, 2011 and increases to $200,000 on January 1, 2012.

3Excludes TSGLI.

Life Insurance Policies In Force by Fiscal Year (Number of Policies)

 2007 2008 2009 2010 2011

Number of Policies 7,305,140 7,239,344 7,253,830 7,299,231 7,188,254

Total Face Values $1,311,358,700,050 $1,313,773,303,072 $1,336,911,969,456 $1,355,363,727,268 $1,348,775,789,037

Average Face Values $179,512 $181,477 $184,304 $185,686 $187,636

Source: Insurance fiscal year 2011 Exhibit of Insurance Inforce Cover Sheet. Includes TSGLI.
Veterans Benefits Administration Making a difference 59Insurance

Demographic Characteristics of Policyholders by Age

Because certain programs were active only during past wartime periods, their age distributions parallel the 

aging of all other Veterans of those periods. The programs in which policies can still be obtained (SDVI, VMLI, 

SGLI, VGLI) have policyholders across a wide distribution of ages.

Age Distribution for Insurance Programs1

Age Avg 

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

USGLI1 0 0 0 0 0 0 0 299 2,628 2,927 92.3

% of Total 0% 0% 0% 0% 0% 0% 0% 10% 90% 100%

NSLI1 0 0 0 0 0 0 30,626 447,392 103,798 581,816 85.1

% of Total 0% 0% 0% 0% 0% 0% 5% 77% 18% 100%

VSLI1 0 0 0 0 0 0 76,918 67,135 409 144,462 79.4

% of Total 0 0 0 0 0 0 54% 46% 0% 100%

VRI1 0 0 0 0 0 0 1,965 16,845 5,210 24,020 85.9

% of Total 0% 0% 0% 0% 0% 0% 8% 70% 22% 100%

SDVI1 1 1,838 5,690 15,041 32,353 108,240 26,119 8,429 332 198,043 61.5

% of Total 0% 1% 3% 8% 16% 55% 13% 4% 0% 100%

VMLI2 0 21 68 348 608 1,183 167 0 0 2,395 58.0

% of Total 0% 1% 3% 15% 25% 49% 7% 0% 0% 100%

SGLI3 126,050 1,261,815 631,880 330,720 70,042 1,987 6 0 0 2,422,500 30.0

% of Total 5% 52% 26% 14% 3% 0% 0% 0% 0% 100%

FSGLI–

Spouse3 17,853 460,316 390,616 206,926 47,498 4,791 0 0 0 1,128,000 32.8

% of Total 2% 41% 35% 18% 4% 0% 0% 0% 0% 100%

FSGLI–

Children3 2,028,578 97,422 0 0 0 0 0 0 0 2,126,000 8.6

% of Total 95% 5% 0% 0% 0% 0% 0% 0% 0% 100%

VGLI4 33 20,658 65,562 138,089 108,298 78,078 15,354 670 8 426,750 49.2

% of Total 0% 5% 15% 33% 25% 18% 4% 0% 0% 100%

Totals 2,172,515 1,842,070 1,093,816 691,124 258,799 194,279 151,155 540,770 112,385 7,056,9132 —

% by Age 

Group 30% 26% 15% 10% 4% 3% 2% 8% 2% 100% —

1Note: Data as of September 30, 2011. 2Note: Total number of policies is 7,188,254. Some insureds have 

more than one policy.

1Source: Insurance AVS VAL-C fiscal year 2011 Attained Age Report. 2Source: VMLI Reserve Valuation June Data Adjusted for fiscal 

year 2011.

3Source: OSGLI June Data – Adjusted for fiscal year 2011. Dependent 

data from Defense Manpower Data Center. 

4Source: VGLI Attained Age Inforce Report from Prudential.
SGLI Coverage by Branch and Component of Service

 Branch

Total 

Number 

Eligible 

for SGLI

Number 

with 

SGLI

Percent 

with 

SGLI

Percent of 

Total 

with 

SGLI

Total 

Number 

Eligible 

for FSGLI

Number 

with 

FSGLI

Percent 

with 

FSGLI

Percent 

of Total 

with 

FSGLI 

Active Duty

Army 607,470 604,777 99.6% 26.1% 314,283 285,288 90.8% 25.3%

Navy 349,185 344,664 98.7% 14.8% 215,185 197,960 92.0% 17.5%

Air Force 350,119 345,960 98.8% 14.9% 215,632 204,517 94.8% 18.1%

Marine 

Corps 217,256 216,720 99.8% 9.3% 105,665 100,820 95.4% 8.9%

Coast 

Guard 42,135 41,266 97.9% 1.8% 27,759 21,340 76.9% 1.9%

NOAA 313 282 90.1% 0.0% 116 92 79.3% 0.0%

Public 

Health 

Service 6,589 6,331 96.1% 0.3% 4,050 3,983 98.3% 0.4%

Total 1,573,067 1,560,000 99.2% 67.2% 882,690 814,000 92.2% 72.1%

Reserve /

National 

Guard

Army 581,864 527,716 90.7% 22.7% 338,883 186,212 54.9% 16.5%

Navy 47,865 47,834 99.9% 2.1% 58,832 25,565 43.5% 2.3%

Air Force 150,530 150,433 99.9% 6.5% 147,025 93,208 63.4% 8.3%

Marine 

Corps 26,731 26,714 99.9% 1.1% 7,235 6,245 86.3% 0.6%

Coast 

Guard 8,953 8,303 92.7% 0.4% 4,412 2,770 62.8% 0.2%

Total 815,943 761,000 93.3% 32.8% 556,387 314,000 56.4% 27.9%

Grand Total 2,389,010 2,321,000 97.2% 100% 1,439,077 1,128,000 78.4% 100%

Note: Data as of September 30, 2011.

Source: Defense Manpower Data Center; SGLI Monthly Premium Reports and Payroll databases. Excludes part-time members and those in 

post‐seperation period.

60 Annual Benefits Report FY 2011 Insurance
Veterans Benefits Administration Making a difference 61Insurance

SGLI and FSGLI Coverage

The table below shows the number of SGLI 

policyholders and insured FSGLI spouses. 

The total percentage by coverage level for both 

categories of duty status is shown. 

For ease of presentation, the maximum coverage 

level is shown by itself, while all the lesser 

coverage levels are shown in a combined number.

SGLI by Coverage Level – Active Duty and Reserve Duty

SGLI Coverage

Number with Coverage Percent with Coverage

$50,000-

$350,000 $400,000

$50,000-

$350,000 $400,000

SGLI 

Coverage 

Level

Active 86,095 1,473,905 5.5% 94.5%

Reserve 123,994 637,006 16.3% 83.7%

Total1 210,089 2,110,911 9.1% 91.0%

1Note: Includes active and ready reserve members only. Does not include part-time and post separation members.

Source: Payroll databases of each branch of service – September 2011 SGLI Monthly Premium Reports; DEERS and Payroll databases.

FSGLI by Coverage Level – Active Duty and Reserve Duty

FSGLI Coverage

Number with Coverage Percent with Coverage

$10,000-

$90,000 $100,000

$10,000-

$90,000 $100,000

FSGLI 

Coverage 

Level

Active 13,664 800,336 1.7% 98.3%

Reserve 13,714 300,286 4.4% 95.6%

Total1 27,378 1,100,622 2.4% 97.6%

1Note: Includes 1,128,000 spouses only. Children are not included in this total. Spouses can be covered in multiples of $10,000 up to 

$100,000 of coverage, where children are covered for $10,000 for free. 

Source: Payroll databases of each branch of service – September 2011 SGLI Monthly Premium Reports; DEERS and Payroll databases.
62 Annual Benefits Report FY 2011 Loan Guaranty

Loan Guaranty

Program Objectives

The objective of the VA Home Loan Guaranty program is to help eligible 

Veterans, active duty personnel, surviving spouses, and members of 

the Reserves and National Guard purchase, retain, and adapt homes 

in recognition of their service to the Nation.

Current Benefits

VA home loans may be used to:

 Purchase a home;

 Purchase a residential unit in certain condominium projects;

 Purchase a unit in a cooperative dwelling;

 Build a home;

 Refinance an existing home loan; or

 Improve a home by installing solar heating or other energy 

conservation measures.

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

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

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

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

typically the most common reason for refinancing a loan.

While there is no maximum VA loan amount, secondary market 

limitations determine how much lenders will loan and therefore 

creates an effective loan limit for VA. These effective loan limits vary 

by county and are based on HUD’s area median prices. The VA county 

loan limits are adjusted annually each January and are available at 

www.benefits.va.gov/homeloans/loan_limits.asp.

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

amount (0.5% for interest rate reduction refinancing loans). The 

funding fee can be included in the loan. Veterans receiving VA 

disability compensation (or who would be receiving compensation, 

but for the receipt of retirement pay or active service pay) are exempt 

from the fee. Also a surviving spouse of a Veteran who died on active 

service or later from service-connected causes is also exempt from 

paying the fee.

The Loan Guaranty Program 

was originally part of a national 

effort to move from a wartime 

economy to a peacetime 

economy and to avoid the 

economic recession historically 

associated with postwar 

periods. The program was one 

of the innovations advanced by 

the Servicemen’s Readjustment 

Act of 1944 (PL 78-346), 

known as the GI Bill of Rights. 

By providing loan guaranties, 

the government could provide 

the housing benefit to Veterans 

at little cost.
Veterans Benefits Administration Making a difference 63Loan Guaranty

Specially Adapted Housing Program (SAH)

The Veterans Housing Opportunity and Benefits Act of 2008 

(PL 110‐289), enacted on July 30, 2008:

 Increased the maximum grant amounts;

 Authorized cost indexing on an annual basis on October 1 of each 

year (beginning in calendar year 2009);

 Established eligibilty for housing assistance for individuals with 

severe burn injuries;

 Authorized assistance for individuals residing outside the United 

States who may now, at the Secretary’s discretion, use adaptive 

housing benefits; and

 Extended authorization to provide housing assistance to 

individuals temporarily residing in a home owned by a 

family member.

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

 Wider doorways and hallways to accommodate wheelchairs;

 Ramps or platform lifts instead of steps; and

 Wheelchair accessible bathrooms.

Native American Direct Loan (NADL) Program

The Native American Veterans Direct Loan Program helps Native 

American Veterans finance the purchase of homes on Federal Trust 

territory. VA has entered into memoranda of understanding with 83 

participating Native American tribes. During FY 2011, VA closed 41 

loans under this program. Since its inception, VA has made 869 loans 

to Native American Veterans.

Severely disabled Veterans 

and Servicemembers, primarily 

those who are wheelchair 

bound or who have lost the use 

of both arms at or above the 

elbow, may be entitled to obtain 

Specially Adapted Housing 

(SAH) grants.

Special Housing Adaptation 

(SHA) grants are available to 

disabled individuals who have 

blindness in both eyes, or have 

anatomical loss or loss of use 

of both hands, or disability 

due to severe burns that have 

limited the motion of one or 

more extremities.

These distinctive programs help 

eligible individuals buy, build, 

or modify homes specifically 

adapted for their use. In 

addition to no time limitation 

or deadline for applying for 

either grant benefit, multiple 

grant uses are available as 

authorized under Title 38, 

United States Code (U.S.C.) 

section 2101(a) or section 

2101(b). Legislation enacted 

in 2008 (e.g., Public Law 

110‐289) further expanded the 

use of SAH grants.
64 Annual Benefits Report FY 2011 Loan Guaranty

Quick Reference Guide

VA Home Loans Guaranteed by Fiscal Year

Fiscal Year 2007 2008 2009 2010 2011

Number of 

Loans 133,313 179,670 325,690 314,011 357,594

Total Loan 

Amount $24,889,988,061 $36,089,811,392 $68,200,786,687 $65,050,602,993 $74,929,221,125

Average Loan 

Amount $186,703 $200,867 $209,404 $207,160 $209,537

Total 

Guaranty 

Amount $6,438,362,016 $9,236,280,575 $17,492,203,150 $16,744,643,173 $19,318,417,290

Average 

Guaranty 

Amount $48,295 $51,407 $53,708 $53,325 $54,706

This quick reference guide highlights information most 

requested from the Loan Guaranty Service.

The table below shows overall activity for the past five 

years. In FY 2011, interest rate reduction refinance 

loans were 38% of the total loan volume.

Fiscal Year 2011 Loan Guaranty Program Highlights

Loans guaranteed 357,594

Interest rate reduction loans 135,712

Total loan amount $74,929,221,125

Average amount per loan $209,537
Veterans Benefits Administration Making a difference 65Loan Guaranty

Data

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria

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

World War II

9/16/40 - 

7/25/47 90 days

Post-World War II

7/26/47 - 

6/26/50 181 continuous days

Korean Conflict

6/27/50 - 

1/31/55 90 days

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

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

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

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

Officers

10/17/81 - 

8/1/90 2 years

Gulf War 8/2/90 - present 

2 years or period called to active duty. 

(not less than 90 days)

Active Duty Personnel —

On active duty, after having served continuously for at least 

181 days (90 days for Gulf War Era duty) unless discharged 

or separated from a previous qualifying period of active 

duty service.

Reservists — 6 years

Unmarried Surviving Spouse N/A

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

or service‐connected conditions.

Spouse of MIA/POW N/A

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

prisoner of war (POW).

Restored Entitlement —

Veterans who previously used the home loan benefit, but had 

entitlement restored because the loan was paid in full and 

property disposed of.

*For Veterans who served within Vietnam, the beginning date is 2/28/1961.

The table below summarizes eligibility criteria for 

the Loan Guaranty Program. All Veterans must 

have been discharged or released from active 

duty under other than dishonorable conditions. 

If the Veteran served less than the

minimum required time period, he or she 

could be eligible if discharged because of a 

service‐connected disability.
66 Annual Benefits Report FY 2011 Loan Guaranty

Types and Characteristics of Loans Guaranteed During Fiscal Year 2011

Status

Number 

of Loans

Total Loan 

Amount 

Average Loan 

Amount

Total Guaranty 

Amount

Average 

Guaranty 

Amount 

First Time Home Buyer 90,331 $17,626,567,074 $195,129 $4,591,518,179 $50,829

Previous Home Buyer 96,255 $22,516,018,401 $233,920 $5,690,096,908 $59,115

No Down Payment 164,647 $33,916,165,813 $205,993 $8,771,024,916 $53,272

Down Payment 21,941 $6,226,369,403 $283,778 $1,510,590,171 $68,848

Purchase Loans 186,588 $40,142,535,216 $215,140 $10,281,615,087 $55,103

Interest Rate Reduction 135,712 $27,346,738,195 $201,506 $7,148,167,664 $52,672

Cash Out / Other Refinancing 35,294 $7,439,947,714 $210,799 $1,888,634,539 $53,511

Status of Loans Guaranteed by Fiscal Year

Status 2007 2008 2009 2010 2011

First Time Home Buyer 63,731 74,071 91,818 99,820 90,331

Previous Home Buyer 54,210 68,269 89,078 92,805 96,255

No Downpayment 108,241 128,471 163,441 171,313 164,647

Downpayment 9,700 13,869 17,455 21,312 21,941

Purchase Loans 117,941 142,340 180,896 192,625 186,588

Interest Rate Reduction 10,090 30,355 122,251 94,339 135,712

Other Refinancing 5,282 6,975 22,543 27,047 35,294
Veterans Benefits Administration Making a difference 67Loan Guaranty

VA Home Loans Guaranteed by Fiscal Year

Fiscal Year 2007 2008 2009 2010 2011

Number of 

Loans 133,313 179,670 325,690 314,011 357,594

Total Loan 

Amount $24,889,988,061 $36,089,811,392 $68,200,786,687 $65,050,602,993 $74,929,221,125

Average Loan 

Amount $186,703 $200,867 $209,404 $207,160 $209,537

Total Guaranty 

Amount $6,438,362,016 $9,236,280,575 $17,492,203,150 $16,744,643,173 $19,318,417,290

Average 

Guaranty 

Amount $48,295 $51,407 $53,708 $53,325 $54,706

Note: This chart is referenced in the Quick Reference Section.

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2011

Program

Specially Adapted 

Housing Grants*

Special Housing

Adaptation Grants

Direct Loans to 

Native Americans 

Number of Grants/Loans 1,135 100 41

Amount of Grants/Loans $54,832,980 $896,711 $7,492,349

Average Amount of 

Grants/Loans* $61,143 $11,245 $182,740

*Grants, not to exceed the maximum amounts, can be used up to three times. The Average Amount of Grants reflects 

first time Grant usages only.

$80 000 000 000 400 000

VA Home Loans Guaranteed by Fiscal Year

250 000

300,000

350,000

400,000

$50 000 000 000

$60,000,000,000

$70,000,000,000

$80,000,000,000

.

150,000

200,000

250,000

$30,000,000,000

$40,000,000,000

$50,000,000,000 # of Loa

Loan Amt

0

50,000

100,000

$0

$10,000,000,000

$20,000,000,000

ans

Total

2007 2008 2009 2010 2011

Total Loan Amount Number of Loans
68 Annual Benefits Report FY 2011 Loan Guaranty

Loans Guaranteed During Fiscal Year 2011 by Period of Service/Entitlement

Data regarding loans guaranteed during FY 2011 by 

Veterans’ period of service and by other entitlement 

criteria are presented below. 

The table on the following page presents the data on 

a five-year basis.

Loans Guaranteed by Period of Service Entitlement During Fiscal Year 2011

Period of 

Service 

Entitlement 

Number Percent

Total 

Loan 

Amount 

Average 

Loan 

Amount 

Total 

Guaranty 

Amount 

Average 

Guaranty 

Amount 

World 

War II 415 0.116% $62,056,872 $149,535 $17,333,426 $41,767

Post-World 

War II 113 0.032% $16,738,808 $148,131 $4,064,580 $35,970

Korean Conflict 748 0.209% $107,282,602 $143,426 $30,494,108 $40,768

Post-Korean 

Conflict 3,332 0.932% $526,120,320 $157,899 $145,018,998 $43,523

Vietnam Era 17,838 4.988% $2,978,892,054 $166,997 $807,610,222 $45,275

Post-Vietnam 

Era 23,766 6.646% $4,397,882,284 $185,049 $1,165,023,510 $49,021

Gulf War 111,187 31.093% $23,166,680,177 $208,358 $5,976,055,657 $53,748

Restored 

Entitlement 113,227 31.664% $24,881,737,444 $219,751 $6,375,972,621 $56,311

Service 

Personnel 79,951 22.358% $17,394,958,962 $217,570 $4,432,315,209 $55,438

Reservists 5,756 1.610% $1,192,932,123 $207,250 $308,643,940 $53,621

Un-Remarried 

Survivors 1,252 0.350% $202,370,295 $161,638 $55,526,207 $44,350

Spouses 

of POWs 9 0.003% $1,569,184 $174,354 $358,812 $39,868

Total 357,594 100.000% $74,929,221,125 $209,537 $19,318,417,290 $54,023
Veterans Benefits Administration Making a difference 69Loan Guaranty

Entitlement Loans Guaranteed by Fiscal Year

Entitlement 2007 2008 2009 2010 2011

World War II 154 192 380 483 415

Post-World War II 20 39 113 103 113

Korean Conflict 225 291 591 647 748

Post-Korean Conflict 781 1,039 2,360 2,782 3,332

Vietnam Era 5,329 6,756 13,482 14,676 17,838

Post-Vietnam Era 9,538 12,665 22,601 21,457 23,766

Gulf War 40,425 57,985 105,942 98,860 111,187

Restored Entitlement 29,736 44,757 92,950 89,446 113,227

Service Personnel 44,997 53,067 81,834 79,592 79,951

Reservists 1,746 2,422 4,575 4,906 5,756

Un-Remarried Survivors 358 453 854 1,050 1,252

Spouses of POWS 4 4 8 9 9

Total 133,313 179,670 325,690 314,011 357,594

Home Loans Guaranteed Based on Gender and Age During Fiscal Year 2011

Gender or Age Number Percent

Total 

Loan 

Amount 

Average 

Loan 

Amount

Total 

Guaranty Amount 

Average 

Guaranty 

Amount 

Gender 

Male 317,904 89% $66,572,942,385 $209,412 $17,162,447,309 $53,986

Female 39,690 11% $8,356,278,740 $210,538 $2,155,969,981 $54,320

Age

18 - 25 19,133 5.35% $3,098,628,517 $161,952 $829,970,083 $43,379 

26 - 35 99,488 27.82% $20,558,532,052 $206,643 $5,284,919,510 $53,121 

36 - 45 96,742 27.05% $22,727,336,230 $234,927 $5,763,364,133 $59,575 

46 - 55 67,381 18.84% $14,984,845,101 $222,390 $3,838,133,007 $56,962 

56 - 65 49,935 13.96% $9,334,900,360 $186,941 $2,463,119,217 $49,327 

66 - 75 19,082 5.34% $3,302,270,293 $173,057 $886,270,129 $46,445 

76 - 80 3,715 1.04% $594,730,354 $160,132 $163,000,258 $43,888 

Over 80 2,118 0.60% $327,633,149 $154,690 $90,298,131 $42,634 

Total 357,594 100.00% $74,928,876,056 $209,537 $19,319,074,468 $54,025 
70 Annual Benefits Report FY 2011 Loan Guaranty

Purchase Loans Guaranteed Based on Annual Income During Fiscal Year 2011

Income Number 

Total Loan 

Amount

Average 

Loan

Total Guaranty 

Amount 

Average Guaranty 

Amount 

Less than 

$25,000 2,600 $231,995,324 $89,229 $81,627,331 $31,395 

$25,000 to 

$34,999 9,524 $1,103,537,724 $115,869 $338,546,540 $35,547 

$35,000 to 

$44,999 21,452 $2,979,521,318 $138,892 $833,573,491 $38,858 

$45,000 to 

$54,999 28,653 $4,625,712,329 $161,439 $1,227,418,457 $42,837 

$55,000 to 

$64,999 26,008 $4,834,418,489 $185,882 $1,246,443,315 $47,925 

$65,000 to 

$74,999 21,763 $4,513,425,107 $207,390 $1,148,477,891 $52,772 

$75,000 

and over 76,588 $21,853,781,497 $285,342 $5,405,912,189 $70,584 

Total 186,588 $40,142,391,788 $215,139 $10,281,999,214 $55,105 

Average 

Income Median Income Median Assets

$73,609 $67,212 $7,102 

Number of Loans Guaranteed by Age by Fiscal Year

Age 2007 2008 2009 2010 2011

18 - 25 16,821 19,025 24,751 22,772 19,133

26 - 35 47,578 61,014 102,833 96,070 99,488

36 - 45 36,145 50,469 93,871 84,164 96,742

46 - 55 17,684 26,308 54,365 54,548 67,381

56 - 65 11,410 17,248 36,120 38,951 49,935

66 - 75 2,931 4,315 10,525 13,280 19,082

76 - 80* 476 816 2,104 2,676 3,714

Over 80 268 475 1,121 1,550 2,119

Total 133,313 179,670 325,690 314,011 357,594

*Data collection for these age groups began in fiscal year 2003.
Veterans Benefits Administration Making a difference 71Loan Guaranty

Percent of Loans Guaranteed by Age by Fiscal Year

Age 2007 2008 2009 2010 2011

18 - 25 12.6% 10.6% 7.6% 7.3% 5.4%

26 - 35 35.7% 34.0% 31.7% 30.6% 27.8%

36 - 45 27.1% 28.1% 28.8% 26.8% 27.1%

46 - 55 13.3% 14.6% 16.7% 17.4% 18.8%

56 - 65 8.6% 9.6% 11.1% 12.4% 14.0%

66 - 75 2.2% 2.4% 3.2% 4.2% 5.3%

76 - 80 0.4% 0.5% 0.6% 0.9% 1.0%

Over 80 0.2% 0.3% 0.3% 0.5% 0.6%

Loans Guaranteed During Fiscal Year 2011 by Race

Providing race information on the application for a VA 

guaranteed loan is voluntary. The race demographics 

and distribution of new loan guaranties presented 

below show the distribution among the 88% who 

provided race information for FY 2011.

For the previous four fiscal years, the percentages of 

loan applications that contained race information are 

as follows:

 2007, 92%

 2008, 90%

Loans Guaranteed by Race During Fiscal Year 2011

Race Number Percent

Total Loan 

Amount

Average 

Loan 

Total Guaranty 

Amount 

Average 

Guaranty 

White 243,776 77.3% $50,457,599,282 $206,983 $12,854,114,498 $52,729 

Black/African American 37,519 11.9% $8,066,248,582 $214,991 $2,068,259,023 $55,126 

Hispanic 25,724 8.2% $5,261,570,512 $204,539 $1,358,695,039 $52,818 

Asian/Pacific Islander/ 

Native Hawaiian 6,640 2.1% $1,789,299,919 $269,473 $448,533,219 $67,550 

American Indian/ 

Alaskan Native 1,673 0.5% $350,588,182 $209,557 $90,609,711 $54,160 

 2009, 88%

 2010, 86%
72 Annual Benefits Report FY 2011 Loan Guaranty

Loans Guaranteed by Race by Fiscal Year 

Race 2007 2008 2009 2010 2011

White 89,308 119,996 216,743 203,109 243,776

Black/African American 20,227 25,351 38,699 35,471 37,519

Hispanic 9,816 12,780 23,310 23,224 25,724

Asian/Pacific Islander/Native Hawaiian 2,058 2,901 5,348 5,447 6,640

American Indian/Alaskan Native 719 935 1,527 1,492 1,673

$300,000 90%

VA Average Loan Amount and Racial Percentage By Race

60%

70%

80%

$200,000

$250,000

30%

40%

50%

$100,000

$150,000

Racial

n Amt.

0%

10%

20%

$0

$50,000

i l k i hi i i

l Percenta

erage Loan

Asian Black American

Indian

White Hispanic

age

Ave

Average Loan Percent
Veterans Benefits Administration Making a difference 73Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation 

and Employment (VR&E)

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

employment services to Veterans, active-duty Servicemembers 

and eligible dependents. These services are designed to help 

Servicemembers and Veterans choose a career path and assist them 

in achieving their employment goals. Assistance includes interest and 

aptitude testing, occupational exploration, career counseling, training 

and job placement services.

VetSuccess: Serving Those Who Served Us

VR&E operates its program under the banner of VetSuccess. The first 

goal of VetSuccess is to increase Veterans’ awareness about VR&E, 

leading to increased program participation. 

VetSuccess helps Veterans make career decisions, prepare for 

careers, and succeed in suitable jobs. Under VetSuccess, Veterans 

better understand the impact of their disabilities, explore their skills 

and interests and select a vocational goal. VetSuccess support 

continues with guidance and advocacy while the Veteran completes 

training and college programs and through the job placement process. 

VetSuccess assists Veterans with obtaining meaningful employment, 

provides Veterans with assistance to start their own businesses, and 

provides services to help Veterans live as independently as possible in 

their homes and communities.

VR&E Success Snapshot

The average annual wage of a disabled Veteran who entered the 

Vocational Rehabilitation and Employment (VR&E) program in 

2011 was $7,499. This places them at approximately 30% below 

the 2011 Poverty Guideline.

Conversely, the average annual wage for a Veteran successfully 

completing the VR&E program in 2011 was $35,719, or 228% 

above the Poverty Guideline.1

12011 Poverty Guideline for a single person is $10,820.

http://aspe.hhs.gov/poverty/11poverty.shtml

Mission

The Vocational Rehabilitation 

and Employment (VR&E) 

VetSuccess program provides 

comprehensive services 

and assistance necessary 

to enable Veterans with 

service‐connected disabilities 

and employment handicaps 

to obtain stable and suitable 

employment. When the severity 

of disability prohibits suitable 

employment, VR&E assists 

those Veterans to achieve 

maximum independence in 

daily living.
74 Annual Benefits Report FY 2011 Vocational Rehabilitation and Employment (VR&E)

VR&E continues to develop and expand methods to assist 

Servicemembers and Veterans in obtaining and maintaining suitable 

employment, with a focus on outreach and early entry into VR&E 

services during transition from active duty. Expanded outreach 

and early intervention for Servicemembers and Veterans have 

resulted in increased program emphasis on briefings for active duty 

Servicemembers, National Guard members, and Reserve members.

VR&E continues work to provide more and/or enhanced rehabilitation 

and employment tools by leveraging technology. This includes projects 

such as:

 Expanding the remote counseling 

pilot. Remote counseling will 

enable severely disabled and 

rural Veterans to receive case 

management, job-ready services, 

independent-living services, and 

follow-up contacts. 

 Completing the initial phases 

necessary to implement a 

Veteran‐centric online appointment 

scheduling system.

 The expansion of our

Web site, VetSuccess.gov. 

VetSuccess.gov is a virtual 

resource center for Veteran 

job‐seekers and for employers 

wishing to hire Veterans to post 

job vacancies. Veterans can now 

browse multiple job banks for job 

listings, post resumes, and apply 

for jobs online. Veterans may also 

apply for VA benefits, including 

VR&E, through this site.

 Creation of a new DTAP Tool Kit to 

more effectively serve needs of transitioning Servicemembers. 

The new sessions will continue to be offered face-to-face and 

Automated DTAP will be available on the VetSuccess.gov website. 

These multi-channels will reach more Servicemembers, National 

Guard members, and Reserve members.

 Development of an online Business Incubator to assist Veterans 

in evaluating self-employment as a career option and to 

participate in self-employment training classes.

VR&E Highlight

VetSuccess On Campus

VetSuccess on Campus 

provides on campus 

benefits assistance, 

adjustment counseling 

and guidance to select 

a career goal and 

related classes.

The program has grown 

from one site in 2009 to 8 

sites in 2011.

Through 110 new VSOC 

Counselors VR&E will 

expand to multiple sites 

and serve up to 12,000 

Servicemembers, 

Veterans, National Guard 

members, and Reserve 

members.

VetSuccess.gov

We have continued to expand 

our Veteran job search portal.

VetSuccess.gov allows 

Veterans to post resumes and 

employers to post job openings.

To date over 91,000 Veterans 

have used the variety of 

services available on the site. 

Over 11,000 resumes have 

been posted. Over 10,000 jobs 

have been posted by more than 

2,000 employers.

VetSuccess.gov also provides 

links to over 8 million jobs 

on Indeed, Google, and 

Simply Hired.

VetSuccess.gov has received 

over 79 million hits.

VETSUCCESS.GOV
Veterans Benefits Administration Making a difference 75Vocational Rehabilitation and Employment (VR&E)

Quick Reference Guide

Participants are Veterans who were in a rehabilitation plan of service 

or an extended evaluation plan during FY 2011, including those who 

discontinued their services in FY 2011.

Because Veterans can receive rehabilitation services over multiple 

years, participants may have begun their services in a previous 

fiscal year.

Veterans Who Received Vocational Rehabilitation and Employment 

(VR&E) Benefits for All or Part of Fiscal Year 2011 - Participants

Veterans participating in the VR&E program who are male 94,836

Veterans participating in the VR&E program who are female 21,459

Total 116,295

Veterans who participated in the VR&E program who have a serious 

employment handicap 77,448

Veterans who participated in the VR&E program who have an 

employment hadicap 38,847

Total 116,295

Veterans Who Received Vocational Rehabilitation and Employment 

(VR&E) Benefits for All or Part of Fiscal Year 2011 - Rehabilitations

Veterans who successfully completed their rehabilitation program who 

are male 7,926

Veterans who successfully completed their rehabilitation program who 

are female 1,936

Total 9,862

Disabled Veterans who were successfully rehabilitated with a serious 

employment handicap 6,111

Disabled Veterans who were successfully rehabilitated with an 

employment handicap 3,751

Total 9,862

Total number of employment rehabilitations 7,420

Total number of independent living rehabilitations 2,442

Total 9,862

Definitions for the following 

terms may be helpful in 

reviewing the tables:

 Applicants: Veterans who 

have applied for Vocational 

Rehabilitation and 

Employment services.

 Eligible: Servicemembers 

or Veterans are 

deemed eligible based 

upon a qualifying 

service‐connected 

disability or memorandum 

rating.

 Entitled to Services:

Veterans are determined to 

be entitled when services 

are needed to assist them 

to overcome either an 

employment handicap 

or serious employment 

handicap related to their 

disabling condition.

 Participants: Veterans in 

any stage of the vocational 

rehabilitation process 

after the applicant and 

evaluation phases have 

been completed, including: 

extended evaluation, 

independent living, job 

ready status, rehabilitation 

to employment, 

and interrupted

 Rehabilitated: A

determination that a 

Veteran has successfully 

obtained and maintained 

suitable employment 

and/or has successfully 

completed an independent 

living program.
76 Annual Benefits Report FY 2011 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities During 

Fiscal Year 2011

Total

Applicants 65,239

Eligible Applicants 62,726

Entitled to Services 41,229

New Plans of Service 27,821

Participants 116,295

Rehabilitated 9,862

Source: VR&E Program Management Reports – Snapshot of VR&E. Participants at the 

end of fiscal year 2011.

Vocational Rehabilitation and Employment Program Facts

All Veterans who apply for Vocational Rehabilitation and Employment services are offered an individualized 

assessment of their interests, skills and disability needs. Upon completion of the individualized evaluation 

process, Veterans enter a rehabilitation program to become job-ready in their selected vocational choice or to 

achieve the maximum ability to live independently in the community.

The length of time that Veterans remain in a rehabilitation program varies according to the individual’s 

circumstances. The average time spent in the program is approximately two and one-half years. Of those 

Veterans participating in a plan of services, most follow the long-term services employment track and receive 

services that include career counseling, case management, employment planning, training or education, 

VHA-sponsored medical or dental care, job-placement assistance and other supportive services. For those 

Veterans who require re-training as part of their rehabilitation services, VR&E provides for their tuition, fees, 

books and supplies. Veterans who are enrolled in training receive a subsistence allowance to assist them 

with living expenses. During fiscal year 2011, 59,784 Veterans received a subsistence payment.

Veterans who did not receive subsistence payments during the fiscal year received other forms 

of rehabilitation services. Veterans who have appropriate training and skills but who require job 

accommodations and placement assistance receive job-ready services to transition them into the workforce. 

Other non-subsistence services include independent living services, career counseling, medical referrals and 

non-training evaluation services such as assistive technology evaluations.

Vocational Rehabilitation and Employment Activities by Prior Education Level Fiscal Year 2011

Unknown

Below High 

School

High 

School

Post High 

School 

Four 

Year 

Degree

Graduate 

Degree 

Training Total 

Applicants 490 1,296 27,890 25,103 8,863 1,597 65,239

Participants 252 1,793 53,473 46,619 10,744 3,414 116,295

Rehabilitated 25 145 3,961 4,158 1,170 403 9,862

Source: VR&E Program Management Reports – VR&E Participants during fiscal year 2011. Applicants who completed evaluations services 

entered a plan of service are also reported in Participant numbers. Participants are those Veterans who were in a plan of service during all 

or part of fiscal year 2011, including Rehabilitated Veterans and those who discontinued their plan of services in fiscal year 2011.
Veterans Benefits Administration Making a difference 77Vocational Rehabilitation and Employment (VR&E)

Veterans Who Received Subsistence as Part of a Vocational 

Training Program During Fiscal Year 2011

Program Total

Undergraduate School 49,440

Vocational/Technical 3,317

Graduate School 3,581

College, Non Degree 1,463

Extended Eval/Independent Living 1,063

Paid On-Job Training 125

Non Pay Work Experience in Government 435

Non-Pay On-Job Training 152

Apprenticeship 87

Improvement of Rehab Potential 99

High School 2

Farm Co-op 20

Total1 59,784

Source: VR&E Program Management Reports – VR&E Participants during fiscal year 

2011. Applicants who completed evaluations services entered a plan of service are also 

reported in Participant numbers. Participants are those Veterans who were in a plan of 

service during all or part of fiscal year 2011, including Rehabilitated Veterans and those 

who discontinued their plan of services in fiscal year 2011.

1This number only represents participants in training and in receipt of subsistence 

allowance, a subset of the total participants.

More than half of the Veterans participating in VR&E have a serious employment handicap, which means 

there is significant impairment of the Veteran’s ability to prepare for, pursue, or retain employment 

consistent with the Veteran’s abilities, aptitudes and interests. These Veterans receive additional supportive 

services which may include extensions of entitlement, adaptive equipment, job coaching and independent 

living services.

Veterans with Serious Employment Handicaps at the End of Fiscal Year 2011

Case Status Total Veterans

Total Veterans with a 

Serious Employment 

Handicap

Entitled to Services 41,299 28,924

Participants 116,295 77,448

Rehabilitated 9,862 6,111
78 Annual Benefits Report FY 2011 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Age Fiscal Year 2011

Age

Policy < 17 or 

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

Applicants 11 423 11,133 15,616 9,160 8,334 7,353 5,118 8,091 65,239

Participants 1 88 12,494 31,242 17,032 18,490 15,878 9,375 11,695 116,295

Rehabilitated 0 1 890 2,614 1,226 1,655 1,302 729 1,445 9,862

Source: VR&E Program Management Reports – VR&E Participants during fiscal year 2011. Applicants who completed evaluations services 

entered a plan of service are also reported in Participant numbers. Participants are those Veterans who were in a plan of service during all 

or part of fiscal year 2011, including Rehabilitated Veterans and those who discontinued their plan of services in fiscal year 2011.

Vocational Rehabilitation and Employment Program Enhancements 

and Initiatives

VR&E engaged in numerous other promising and important efforts this year to help improve our ability to 

support Veterans, including:

 A business process re-engineering analysis of VR&E operating procedures, work practices and 

communication flow identified opportunities to streamline processes and improve resource utilization 

(funding and time). VR&E developed a centralized knowledge management repository, called the 

Knowledge Portal, which will enable counselors and field staff to quickly search for and find key 

reference materials.

 Implementation of the Congressionally mandated Longitudinal Study, a 20-year long-range view of a 

representative sampling of our customers and the VR&E program’s impact upon them.

 VR&E and Veterans Affairs (VA) Blind Rehabilitation Services (BRS) have collaborated with national 

rehabilitation organizations and state rehabilitation agencies to better coordinate services designed to 

help Veterans and active duty Servicemembers with visual impairments enter meaningful careers.

 VR&E is participating in the Integrated Disability Evaluation System (IDES) Outreach and Transition 

Services. IDES is a system designed to integrate the separate disability evaluation processes of the 

Departments of Defense and Veterans Affairs. The integration will expedite Veterans’ benefits for 

wounded, ill, and injured Servicemembers. An IDES rating is now approved as a substitute for the 

Compensation and Pension memorandum rating and will allow access to VR&E services, including 

evaluations and career planning.

10,000

15,000

20,000

25,000

30,000

35,000

ntity of Veterans

Vocational Rehabilitation and Employment Activities by Age

Fiscal Year 2011

0

5,000

< 17 or

Unk.

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

above

Qua

Applicants Participants Rehabilitated
Veterans Benefits Administration Making a difference 79Vocational Rehabilitation and Employment (VR&E)

 Three self-employment pilot programs have begun, including 

two virtual initiatives and a face-to-face VETS business incubator 

in Milwaukee.

Vocational Rehabilitation and Employment Outcomes Fiscal 

Year 2011

Fiscal Year 2011 

Career Categories 

of Rehabilitated 

Veterans

Number of 

Veterans

Average Annual 

Wages Prior to 

VR&E Program 

Entrance

Average 

Annual 

Wages at 

Rehabilitation

Professional, Technical, 

and Managerial 5,603 $9,834.84 $39,638.52

Service 419 $6,457.00 $28,149.74

Clerical 418 $6,357.24 $30,069.07

Miscellaneous 313 $5,981.60 $32,226.21

Machine Trades 295 $6,256.52 $31,768.64

Structural

(Building Trades) 180 $6,832.00 $34,686.60

Sales 86 $5,361.35 $27,701.72

Benchwork 52 $8,059.62 $29,622.69

Agricultural, Fishery and 

Forestry 33 $4,712.73 $19,661.09

Processing (Butcher, 

Meat Processor, etc.) 21 $6,331.43 $29,019.43

National Average 7420* $7,498.92 $35,718.84

Source: VR&E Program Management Reports – VR&E Participants during fiscal 

year 2011. Applicants who completed evaluations services entered a plan of service are 

also reported in Participant numbers. Participants are those Veterans who were in a plan 

of service during all or part of fiscal year 2011, including Rehabilitated Veterans and those 

who discontinued their plan of services in fiscal year 2011.

*Excludes 2,442 Veterans Rehabilitated in an Independent Living program.

Chapter 36 Services

Vocational Rehabilitation 

and Employment also 

provides transition services 

to Servicemembers within six 

months of leaving the military, 

to Veterans who have left 

the military within the past 

12 months, or at any time a 

Veteran is eligible to use an 

education benefit.

Participants receive aptitude 

and interest testing as well as 

career counseling.

In fiscal year 2011, 17,100 

transitioning Servicemembers 

and Veterans applied for 

this service. 
80 Annual Benefits Report FY 2011 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Branch of Service Fiscal Year 2011

Branch of Service Applicants Participants Rehabilitated

Air Force 8,380 16,871 1,666

Army 35,596 61,869 5,025

Coast Guard 586 1,156 102

Marine Corps 8,778 14,497 1,191

Navy 11,780 21,740 1,864

Others 9 23 3

Unknown 110 139 11

Total 65,239 116,295 9,862

Source: VR&E Program Management Reports – VR&E Participants during fiscal year 2011. Applicants who completed evaluations services 

entered a plan of service are also reported in Participant numbers. Participants are those Veterans who were in a plan of service during all 

or part of fiscal year 2011, including Rehabilitated Veterans and those who discontinued their plan of services in fiscal year 2011.

Note: The others category includes members from NOAA, Public Health etc.

Vocational Rehabilitation and Employment Activities by Period of Service Fiscal Year 2011

Period of Service Applicants Participants Rehabilitated

World War II 126 119 34

Post - World War II Era 17 21 4

Korean Conflict 138 122 28

Post - Korean Conflict 356 391 65

Vietnam Era 6,266 8,097 947

Post - Vietnam Era 10,504 17,205 1,142

Gulf War 47,820 90,340 7,642

Total 65,239* 116,295 9,862

Source: VR&E Program Management Reports – VR&E Participants during fiscal year 2011. Applicants who completed evaluations services 

entered a plan of service are also reported in Participant numbers. Participants are those Veterans who were in a plan of service during all 

or part of fiscal year 2011, including Rehabilitated Veterans and those who discontinued their plan of services in fiscal year 2011.

* = plus 12 None/Unknown.
Veterans Benefits Administration Making a difference 81Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Combined Service-Connected Disability Rating 

Fiscal Year 2011

Applicants Participants Participants

0% 2,861 499 4

10% 7,120 5,142 251

20% 7,565 12,057 938

30% 9,141 15,375 1,364

40% 7,958 16,357 1,407

50% 6,096 12,605 1,112

60% 6,638 15,007 1,315

70% 5,130 12,357 1,105

80% 3,925 10,745 944

90% 1,983 6,100 542

100% 3,963 9,682 853

Memo Rating 859 366 27

Cases Not Rated 2,000 3 0

Total 65,239 116,295 9,862

Source: VR&E Program Management Reports – VR&E Participants during fiscal year 2011. Applicants who completed evaluations services 

entered a plan of service are also reported in Participant numbers. Participants are those Veterans who were in a plan of service during all 

or part of fiscal year 2011, including Rehabilitated Veterans and those who discontinued their plan of services in fiscal year 2011.

Vocational Rehabilitation and Employment Activities by Length of Service Fiscal Year 2011

Length of Service (Months/Years)

In 

Service1 Total

< 3 

Mths

3 - 6 

Mths

6 Mths - 

2 Yrs

2 - 4

Yrs

4 - 10 

Yrs

10 - 15 

Yrs

15 - 20 

Yrs

20 - 30 

Yrs

> 30 

Yrs

Applicants 442 922 9,587 19,708 18,293 4,019 1,914 6,926 159 3,269 65,239

Participants 763 1,777 16,887 33,560 33,085 7,720 4,379 16,629 258 1,237 116,295

Rehabilitated 42 100 1,260 2541 2,666 659 469 2,041 41 43 9,862

Source: VR&E Program Management Reports – VR&E Participants during fiscal year 2011. Applicants who completed evaluations services 

entered a plan of service are also reported in Participant numbers. Participants are those Veterans who were in a plan of service during all or 

part of fiscal year 2011, including Rehabilitated Veterans and those who discontinued their plan of services in fiscal year 2011.

1The VR&E program provides service to active military personnel, such as those on medical hold or those in the pre-discharge phase.
82 Annual Benefits Report FY 2011 Appendices

Appendices

VBA Regional Office Mailing Addresses.................................A1

Contact VA by Telephone ........................................................B1

Glossary ...................................................................................C1

Web Sites.................................................................................D1

Select Veteran Data for All VBA Programs by State ..............E1

Index......................................................................................... F1
VBA Regional Office Mailing Addresses

ALABAMA

VA Regional Office

345 Perry Hill Road

Montgomery, AL 36109-3798

CONNECTICUT

VA Regional Office 

555 Willard Avenue, Building 2E, Room 5137

P. O. Box 310909

Newington, CT 06103-0909

ALASKA

VA Regional Office

1201 North Muldoon Road

Anchorage, AK 99504-6104

DELAWARE

VA Regional Office

1601 Kirkwood Highway

Wilmington, DE 19805-4988

ARIZONA

VA Regional Office

3333 North Central Avenue

Phoenix, AZ 85012-2405

DISTRICT OF COLUMBIA

VA Regional Office

1722 Eye St, NW

Washington, DC 20421-1111

ARKANSAS

VA Regional Office

2200 FT Roots Drive, Bldg 65

North Little Rock, AR 72114-1756

FLORIDA

VA Regional Office

P. O. Box 1437

St. Petersburg, FL 33731-1437

CALIFORNIA

VA Regional Office

Federal Building

11000 Wilshire Blvd.

Los Angeles, CA 90024-3602

VA Regional Office

Oakland Federal Building

1301 Clay Street - Suite 1300N

Oakland, CA 94612-5209

VA Regional Office 

8810 Rio San Diego Drive

San Diego, CA 92108-1508

GEORGIA

VA Regional Office

1700 Clairmont Road

Decatur, GA 30033-4032

HAWAII

VA Regional Office

P. O. Box 29020

459 Petterson Road, E W

Honolulu, HI 96819-1522

IDAHO

VA Regional Office

444 W. Fort Street

Boise, ID 83702-4531

COLORADO

VA Regional Office

155 Van Gordon Street

Lakewood, CO 80228-1709

ILLINOIS

VA Regional Office

2122 W. Taylor Street

Chicago, IL 60612-4281

Veterans Benefits Administration Making a difference A1Appendices
A2 Annual Benefits Report FY 2011 Appendices

INDIANA

VA Regional Office

575 North Pennsylvania Street

Indianapolis, IN 46204-1526

MINNESOTA

VA Regional Office 

One Federal Drive, Fort Snelling

St. Paul, MN 55111-4050

IOWA

VA Regional Office 

210 Walnut Street, Room 1063

Des Moines, IA 50309-9825

MISSISSIPPI

VA Regional Office

1600 East Woodrow Wilson Avenue

Jackson, MS 39216-5102

KANSAS

VA Regional Office

5500 E. Kellogg Drive

Wichita, KS 67218-1698

MISSOURI

VA Regional Office 

400 South 18th Street

St. Louis, MO 63103-2676

KENTUCKY

VA Regional Office

321 West Main Street, Suite 390

Louisville, KY 40202-6200

MONTANA

Regional Office

William Street, Hwy 12 West

Fort Harrison, MT 59636-9999

LOUISIANA

VA Regional Office

1250 Poydras Street, Suite 200

New Orleans, LA 70113-1871

NEBRASKA

VA Regional Office

5631 S. 48th Street

Lincoln, NE 68516-4198

MAINE

VA Regional Office

1 VA Center - Building 248, Room 205

Augusta, ME 04330-6795

NEVADA

VA Regional Office

5460 Reno Corporate Drive

Reno, NV 89511-2250

MARYLAND

VA Regional Office

Federal Building

31 Hopkins Plaza, Room 233

Baltimore, MD 21201-0001

NEW HAMPSHIRE

VA Regional Office 

Norris Cotton Federal Bldg.

275 Chestnut Street

Manchester, NH 03101-2489

MASSACHUSETTS

VA Regional Office 

John F. Kennedy Building

Government Center 1600

Boston, MA 02203-0393

NEW JERSEY

VA Regional Office

20 Washington Place

Newark, NJ 07102-3174

MICHIGAN

VA Regional Office 

Patrick V. McNamara Federal Bldg.

477 Michigan Avenue, Room 1400

Detroit, MI 48226-2591

NEW MEXICO

VA Regional Office 

Dennis Chavez Federal Bldg.

500 Gold Avenue, SW

Albuquerque, NM 87102-3118
Veterans Benefits Administration Making a difference A3Appendices

NEW YORK

VA Regional Office

130 S. Elmwood Avenue

Buffalo, NY 14202-2478

VA Regional Office

245 W. Houston Street

New York, NY 10014-4805

PENNSYLVANIA

VA Regional Office and

Insurance Center

5000 Wissahickon Avenue

Philadelphia, PA 19101-8079

VA Regional Office 

1000 Liberty Avenue

Pittsburgh, PA 15222-4004

NORTH CAROLINA

VA Regional Office

Federal Building

251 North Main Street

Winston-Salem, NC 27155-1000

PHILIPPINES

U.S. Department of Veterans Affairs

FPO AP 96515-1110

Manila, PI 1000

NORTH DAKOTA

VA Regional Office

2101 Elm Street

Fargo, ND 58102-2417

PUERTO RICO

VA Regional Office

150 Carlos Chardon Avenue

Hato Rey, PR 00918-1701

OHIO

VA Regional Office 

Federal Building

1240 East Ninth Street

Cleveland, OH 44199-2001

RHODE ISLAND

VA Regional Office

380 Westminster Mall

Providence, RI 02903-3246

OKLAHOMA

VA Regional Office

Federal Building

125 South Main Street

Muskogee, OK 74401-7025

SOUTH CAROLINA

VA Regional Office

6437 Garners Ferry Road

Columbia, SC 29209-1638

OREGON

VA Regional Office

Edith Green/Wendell Wyatt Federal Building

1220 Southwest 3rd Avenue

Portland, OR 97204-2825

SOUTH DAKOTA

VA Regional Office

2501 W 2nd Street

Sioux Falls, SD 57117-5046
A4 Annual Benefits Report FY 2011 Appendices

TENNESSEE

VA Regional Office

110 Ninth Avenue, South

Nashville, TN 37203-3817

VIRGINIA

VA Regional Office

210 Franklin Road, SW

Roanoke, VA 24011-2204

TEXAS

VA Regional Office

6900 Almeda Road

Houston, TX 77030-4200

VA Regional Office 

One Veterans Plaza

701 Clay Avenue

Waco, TX 76799-0001

WASHINGTON

VA Regional Office

Federal Building

915 Second Avenue

Seattle, WA 98174-1060

WEST VIRGINIA

VA Regional Office

640 4th Avenue

Huntington, WV 25701-1340

UTAH

VA Regional Office

550 Foothill Drive

Salt Lake City, UT 84113-1106

WISCONSIN

VA Regional Office

5400 W. National Avenue

Milwaukee, WI 53214-3416

VERMONT

VA Regional Office

215 N. Main Street

White River Junction, VT 05009-0001

WYOMING

2360 E. Pershing Blvd.

Cheyenne, WY 82001-5356

The Denver Regional Office serves the state of Wyoming.

The local address provided is for the benefits office.
Veterans Benefits Administration Making a difference B1Appendices

Contact VA by Phone

Compensation and Pension, 

Loan Guaranty, Vocational Rehabilitation and 

Employment, and General Benefits Information 1-800-827-1000*

Beneficiaries in receipt of Pension Benefits 1-877-294-6380*

Education 1-888-GI BILL 1*

(1-888-442-4551)

Life Insurance 1-800-669-8477*

Burial Headstones and Markers 1-800-697-6947*

Health Care 1-877-222-8387*

CHAMPVA 1-800-733-8387*

Telecommunication Device for the DEAF (TDD) 1-800-829-4833*

Annual Benefits Report 

(Office of Performance Analysis & Integrity) 202-461-9040

*Indicates toll-free numbers
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Veterans Benefits Administration Making a difference C1Appendices

Glossary

AID AND ATTENDANCE – An additional monetary 

allowance payable to individuals who are:

 In a nursing home or

 In need of daily care to help with feeding, 

dressing, attending to the wants of nature, 

protecting oneself from hazards of the daily 

environment, or keeping clean.

APPLICANTS (VR&E) – Veterans who have 

applied for Vocational Rehabilitation and 

Employment services.

BENEFITS DELIVERY AT DISCHARGE (BDD) –

Program to assist active duty personnel in filing for 

VA benefits prior to their separation or retirement 

from active duty. VBA provides information about 

VA benefits and assistance in filing benefit claims.

BODY SYSTEMS – Title 38, Code of Federal 

Regulations, Part 4, classifies the various areas 

of the body into fifteen (15) different systems 

as follows:

 Musculoskeletal System

 Skin

 Auditory

 Mental Disorders

 Digestive System

 Neurological Conditions and

Convulsive Disorders

 Cardiovascular System

 Respiratory System

 Endocrine System

 Genitourinary System

 Eye Infectious Diseases, Immune Disorders, 

Nutritional Deficiencies

 Gynecological Conditions

 Dental and Oral Conditions

 Hemic and Lymphatic Systems

BUYER STATUS – A first-time homeowner or 

previous homeowner.

CASH SURRENDER – A policyholder, upon 

request, receives the cash value that accrued 

in his/her life insurance policy, and in return 

surrenders all rights, title, and interest to his/

her basic and/or paid-up additional insurance 

coverage amounts.

CHAPTER 31 BENEFITS – Vocational 

Rehabilitation and Employment (VR&E) program 

provides benefits and services to Veterans whose 

service-connected disabilities limit or prohibit 

employment options.

CODE OF FEDERAL REGULATIONS (CFR) – VA 

rules and regulations are contained in Title 38 

Code of Federal Regulations (38 CFR). The 

Secretary of Veterans Affairs is empowered to 

prescribe all rules and regulations, consistent with 

existing law, necessary or appropriate to carry out 

the laws administered by the Department (Section 

501, Title 38 USC).

COMBINED DEGREE – The combined degree 

of disability is expressed as a percentage (from 

0 to 100 in increments of 10) and represents 

the overall disabling effect of a Veteran’s 

service‐connected disabilities.

COMPENSABLE ZEROS – Disabilities that are 

independently evaluated at zero percent disabling 

but produce an employment handicap to warrant 

a 10 % combined disability evaluation. This 

evaluation entitles the Veteran to receive disability 

compensation payments.

COMPUTER SYSTEMS – VBA derives statistical 

data about Veterans from multiple sources 

and from various computer systems: e.g. VBA 

Data Warehouse, VBA’s Benefits Delivery 

Network (BDN), the Beneficiary Identification 

and Records Locator System (BIRLS); and the 

Board of Veterans’ Appeals Control and Locator 

System (VACOLS).
C2 Annual Benefits Report FY 2011 Appendices

DEPENDENTS’ EDUCATIONAL ASSISTANCE

(DEA) – Refers to Dependents’ Educational 

Assistance Program (Chapter 35 of the Title 38, 

U.S. Code). See Survivors’ and Dependents’ 

Educational Assistance.

DEPENDENCY AND INDEMNITY COMPENSATION

(DIC) – A monetary death benefit payable to 

eligible survivors (surviving spouses, children, 

and/or dependent parents of Servicemembers 

who die in service) as a result of a 

service‐connected death.

DEPENDENTS – Qualifying dependents for VA 

benefit purposes are a Veteran’s spouse and 

child (natural child, adopted child, or stepchild). A 

Veteran’s mother or father may also be considered 

a dependent generally if there is financial need.

DIAGNOSTIC CODES – VBA uses four digit numeric 

codes to signify specific medical conditions. These 

numeric codes are in 38 CFR, Part 4.

DIRECT LOAN – A home loan made by the 

Department of Veterans Affairs directly to 

Veterans. This is distinct from guaranteed loans, 

which are made by private lenders and guaranteed 

by VA.

DISABILITY COMPENSATION – A monetary benefit 

paid to Veterans for service‐connected disability.

DISABILITY PENSION – A monetary benefit paid 

to wartime Veterans who are age 65 or older, or 

permanently and totally disabled as the result of 

a non-service‐connected disability. In either case, 

the Veteran’s annual income must not exceed 

the limit set by statute in order to qualify for 

this benefit.

DIVIDEND – A payment to policyholders in 

participating life insurance programs. It is an 

allocation of program surplus funds representing 

the return of premiums not needed to pay claims 

and expenses, and a distribution of earnings from 

investment. Dividends are issued annually on the 

policy anniversary date.

DMDC – The Defense Manpower Data Center 

maintains the largest archive of personnel, 

manpower, training and financial data in the 

Department of Defense (DoD).

NO DOWNPAYMENT OPTION – The VA home loan 

guaranty program allows the Veteran to enter the 

home buying market with the option of providing 

no downpayment. This option is intended 

to help the Veteran afford the purchase of a 

suitable home.

EDUCATIONAL ASSISTANCE – A monetary benefit 

to eligible Veterans, dependents, reservists, and 

Servicemembers while they are in an approved 

training program.

ELIGIBLE – Veterans who have been deemed 

eligible based upon a qualifying service‐connected 

disability or memo rating.

ELIGIBILITY – VA benefits require that the 

Veteran be discharged from active military service 

under “other than dishonorable” conditions. 

In addition to this general requirement, there are 

specific statutory and regulatory requirements 

for each of the five benefit programs; some 

of these requirements are described in the 

sections of this report dealing with the respective 

benefit programs.

ENTITLED TO SERVICES (VR&E) – Veterans 

determined to have a disability that presents an 

employment or serious employment handicap, and 

for whom it has been determined that vocational 

rehabilitation should be successful.
Veterans Benefits Administration Making a difference C3Appendices

ENTITLEMENT (EDU) – The number of months the 

student is eligible for VA education benefits. This 

number is usually expressed in months and days 

the student will be eligible for full-time benefits. 

Entitlement may vary depending on the education 

program the individual qualifies under. In no event 

will entitlement exceed 48 months under any 

combination of education programs.

ENTITLEMENT (C&P) – Once basic eligibility 

requirements have been met, decisions on 

entitlement for C&P benefits are based on 

statutory and regulatory requirements and 

the evidence of record that documents these 

requirements have been met.

EVALUATION FOR ENTITLEMENT TO A PROGRAM 

OF REHABILITATION SERVICES – The process 

used to determine whether the Veteran’s 

disabilities cause an employment handicap.

FACE VALUE – The dollar amount of life insurance 

money that would be paid upon the death of the 

Veteran or at the maturity of the policy, subject to 

adjustments for indebtedness, dividends, premium 

overpayments, or “paid‐up additions.”

FIRST-TIME HOMEOWNER – A Veteran using his 

home loan entitlement to purchase a home for the 

first time.

FISCAL YEAR – Any yearly accounting or budgetary 

period without regard to its relationship to the 

calendar year.

FORECAST OF PROGRAM LIABILITIES – Future 

liabilities represent payments that the government 

is obligated to deliver in future years. This is 

much like the obligation of a life insurance 

company to pay the face amount of a standard 

policy to beneficiaries at the time of the insured 

person’s death.

FUNDING FEE – A fee, required by law, charged to 

Veterans who obtain a VA guaranteed home loan.

FSGLI – Family Servicemembers’ Group Life 

Insurance was established in 2001 to provide 

Servicemembers, who have Servicemembers’ 

Group Life Insurance (SGLI) coverage, the 

opportunity to have life insurance coverage on 

their spouses and dependent children.

GUARANTEED LOAN – A loan that is federally 

backed by the VA home loan provision.

HOUSEBOUND – An additional monetary 

allowance payable to those individuals who are 

substantially confined to their home or immediate 

premises as a result of a permanent disability.

INDIVIDUAL UNEMPLOYABILITY – Veterans 

unable to secure and follow a substantially gainful 

occupation by reason of service-connected 

disability will be rated totally disabled, provided 

that the Veteran has a single disability rated 60% 

or more or a combined evaluation of at least 70%, 

with one disability ratable at 40% or higher.

KICKERS (EDU) – Amounts contributed by DoD 

to an education fund on behalf of participants to 

encourage enlistment or retention in the Armed 

Forces. (The military services may use different 

terms such as “Army College Fund” or “Navy 

College Fund”, etc.) These amounts are added to 

any other education benefits to which the person 

may be entitled. Kickers are applicable only to 

MGIB-AD, MGIB-SR, VEAP and REAP.

LOAN (INS) – An amount borrowed against 

the cash value of a permanent plan life 

insurance policy.

LOAN DEFAULTED-GUARANTY CLAIM PAID –

Loan Guaranty term used when the borrower 

defaults on the loan and VA pays the loan 

guaranty claim.

LOAN GUARANTY PROGRAM – The benefit 

program whereby VA guarantees a portion of a 

loan to lenders to facilitate Veterans obtaining 

a home.
C4 Annual Benefits Report FY 2011 Appendices

MATURED ENDOWMENT – The face amount of 

life insurance less any indebtedness that is paid 

to the insured at maturity of the policy, based on 

the plan of life insurance. The proceeds may be 

paid as a lump sum or the insured may request 

installment payments.

MGIB-AD – The Montgomery GI Bill-Active Duty 

Educational Assistance Program (Chapter 30 of 

Title 38, U.S. Code) which provides educational 

assistance to persons who served on active duty in 

the Armed Forces.

MGIB-SR – The Montgomery GI Bill-Selected 

Reserve Educational Assistance Program (Chapter 

1606 of Title 10, U.S. Code) which provides 

educational assistance to members of the 

Selected Reserve or the Ready Reserve of any of 

the reserve components of the Armed Forces.

NOT ELIGIBILE (VR&E) – Veterans who have been 

determined ineligible for VR&E benefits for reasons 

such as a lack of a qualifying service-connected 

disability rating.

NOT ENTITLED (VR&E) – Veterans who have been 

determined not entitled to VR&E services due to 

a lack of an employment handicap or a serious 

employment handicap.

NSLI – National Service Life Insurance was 

established in 1940 to meet the insurance needs 

of World War II Veterans. The program closed 

in 1951.

ORIGINAL DISABILITY CLAIM – A Veteran’s first 

claim for disability benefits, either compensation 

or pension or both. Any subsequent claim is 

categorized as a reopened or supplemental claim.

OUTREACH (VR&E) – Various initiatives within 

the Program to improve communication and 

to coordinate and maximize employment 

opportunities with other government agencies, 

local businesses and VSOs on behalf of 

service‐connected disabled Veterans.

PAID-UP ADDITIONS – Policyholders with 

participating policies can use their annual 

dividends to purchase additional life insurance. 

Established in 1972, this is the only way most 

policyholders may increase their life insurance 

coverage amount.

PARTICIPANTS (VR&E) – Veterans in any stage 

of the vocational rehabilitation process after 

the applicant and evaluation phases have been 

completed, including: evaluation and planning, 

extended evaluation, independent living, job 

ready status, rehabilitation to employment, and 

interrupted. Veterans may receive rehabilitation 

services over multiple years and may have begun 

their plan of service prior to FY 2011. Participants 

includes those rehabilitated and discontinued from 

a plan of service during FY 2011.

PEACETIME VETERANS – Veterans who served 

during a period of time not statutorily defined as a 

period of war.

PRISONERS OF WAR (POWs) – Veterans who 

were forcibly detained (confined) by an enemy, 

foreign government, or hostile force while serving 

in the active military, naval or air service.

PREVIOUS HOMEOWNER – A person who has had 

a previous ownership interest in a home.

PROTECTED PENSION – The pension program, 

both disability and death, replaced by Section 

306 Pension, which in turn was replaced by the 

current pension program under the provisions 

of PL 95-588. Veterans and survivors receiving 

either Protected Pension or Section 306 Pension 

may continue to receive the benefits as long 

as they continue to meet the basic entitlement 

requirements of the respective programs.
Veterans Benefits Administration Making a difference C5Appendices

PURCHASE LOAN – A loan made solely for the 

purpose for purchasing a home.

RANGE OF DISABILITIES – A disability is evaluated 

according to the VA Schedule for Rating Disabilities 

in Title 38, CFR, and Part 4. Extent of disability is 

expressed as a percentage from 0% (for conditions 

that exist but are not disabling to a compensable 

degree) to 100%, in increments of 10%. Most 

disabilities, however, do not have every 10% 

increment from 0 to 100.

RATING SCHEDULE – Title 38, CFR Part 4.

REAP – The Reserve Educational Assistance 

Program (Chapter 1607 of Title 10, U.S. Code) 

which provides educational assistance to members 

of the Guard and Reserves who serve on active 

duty in support of a contingency operation under 

federal authority on or after September 11, 2001.

REGIONAL OFFICE (RO) – A VA field office 

composed of divisions which carry out the 

functions of VBA. Fifty-seven such offices exist 

throughout the United States, the District of 

Columbia, Puerto Rico, and the Philippines.

REHABILITATED (VR&E) – Veterans who have 

successfully found and maintained suitable 

employment or have successfully completed the 

independent living program.

RESERVIST – A member of a reserve component 

of one of the Armed Forces who has potential 

entitlement to certain VA benefits by reason of 

his or her reserve status, including educational 

assistance under Title 10 of the United States 

Code, Chapter 1606.

RESTORED ENTITLEMENT (LGY) – Previously 

used entitlement may be restored when a property 

secured by a VA loan is sold and the loan is paid in 

full or when an eligible Veteran transferee agrees 

to assume the outstanding balance on a VA loan 

and substitute his/her entitlement for the same 

amount originally used on the loan.

SDVI – Service-Disabled Veterans Insurance was 

established in 1951 to meet the insurance needs 

of Veterans with service-connected disabilities. 

SDVI is open to Veterans who received other than 

dishonorable discharge separated from the service 

on or after April 25, 1951, and who received a 

service-connected disability rating of 0% or greater 

within the last two years.

SECONDARY MARKET – The financial market 

where mortgages are bought and sold.

SERVICE-CONNECTED – A disease or injury 

determined to have occurred in or to have been 

aggravated by military service.

SERIOUS EMPLOYMENT HANDICAP – A 

significant impairment, caused in whole or in part 

by a service-connected disability, in the Veteran’s 

ability to prepare for, obtain, or retain employment 

consistent with his or her abilities, aptitudes, 

and interests.

SERVICEMEMBER – An individual who is currently 

serving on active duty.

SGLI – Servicemembers Group Life Insurance was 

established in 1965 to meet the insurance needs 

of Servicemembers.

SPECIALLY ADAPTED HOUSING GRANT – A 

one‐time grant to a seriously disabled Veteran 

to assist in adapting his or her home to 

accommodate limitations caused by the disability.

SUBSISTENCE ALLOWANCE (VR&E) – A monthly 

living allowance paid to a qualified Veteran in 

a program of vocational rehabilitation. The 

allowance is generally paid to those Veterans who 

are enrolled in education or training programs. 

The amount is based on training time and number 

of dependents.

SURVIVORS’ AND DEPENDENTS’ EDUCATIONAL 

ASSISTANCE (DEA) – Under Chapter 35 of Title 

38, U.S. Code, a monetary educational benefit 

payable to eligible dependents and survivors 

of Veterans.
C6 Annual Benefits Report FY 2011 Appendices

TITLE 38 CODE OF FEDERAL REGULATIONS –

Regulations that pertain to Veterans’ benefits.

TOTAL DISABILITY INCOME (INS) – An option 

available with some insurance policies that 

provides for monthly payments to policyholders 

who, prior to their 65th birthday, have incurred a 

mental or physical disability which prevents them 

from performing substantially gainful employment.

TOTAL AND PERMANENT DISABILITY – Total 

ratings are authorized for any disability or 

combination of disabilities for which the Schedule 

of Rating Disabilities prescribes a 100% evaluation 

or, where less than 100%, the requirements for 

Individual Unemployability are met. Permanence 

of total disability is considered to exist when the 

impairment is reasonably certain to continue 

throughout the life of the disabled Veteran and 

generally requires no future medical exams.

TSGLI – The Traumatic Injury Protection Program 

provides automatic traumatic injury coverage 

to all Servicemembers covered under the 

Servicemembers’ Group Life Insurance (SGLI) 

program. Every member who has SGLI also has 

TSGLI effective December 1, 2005. This coverage 

applies to active duty members, reservists, funeral 

honors duty and one-day muster duty. This 

benefit is also provided retroactively for members 

who incur certain severe losses as a result of a 

traumatic injury between October 7, 2001, and 

December 1, 2005, if the loss was the direct 

result of injuries incurred in Operations Enduring 

Freedom or Iraqi Freedom.

USGLI – United States Government Life Insurance 

was established in 1919 to meet the insurance 

needs of World War I Veterans. This program 

closed in 1951.

VEAP – The Veterans Educational Assistance 

Program (Chapter 32 of Title 38, U.S. Code) is a 

contributory educational assistance program for 

Post-Vietnam Era Veterans.

VETERAN – A person who served in the active 

military, naval, or air service, and who was 

discharged or released under conditions other 

than dishonorable.

VGLI – Veterans Group Life Insurance was 

established in 1974 to meet the insurance needs 

of Veterans after separation from service.

VMLI – Veterans Mortgage Life Insurance 

was established in 1971 to provide mortgage 

protection life insurance to severely disabled 

Veterans who have received grants for the 

purchase of specially adapted housing.

VR&E – The Vocational Rehabilitation and 

Employment (VR&E) Program is available to help 

service-disabled Veterans become employable and 

live independently.

VRI – Veterans’ Reopened Insurance was 

established in 1965 to provide insurance 

protection for certain classes of disabled Veterans 

from World War II and the Korean Conflict. The 

program closed in 1966.

VSLI – Veterans Special Life Insurance was 

established in 1951 to meet the insurance 

needs of Veterans who served during the Korean 

Conflict and post-Korean era. The program closed 

in 1956.

ZERO (0) PERCENT DISABILITY – A zero percent 

disability rating means that a disability exists 

and is related to the Veteran’s service but is 

not so disabling that it entitles the Veteran 

to compensation payments. Also called a 

non‐compensable disability.
Veterans Benefits Administration Making a difference D1Appendices

Internet References

VA WEB SITES

Department of Veterans Affairs Home Page ................... http://www.va.gov 

Health Care........................................ http://www.va.gov/health/default.asp 

National Cemetery Administration............................http://www.cem.va.gov 

Office of Congressional Affairs..............http://www4.va.gov/oca/index.asp

Public Affairs & Special Events.............. http://www.va.gov/opa/index.htm 

About VA ..........................................................http://www.va.gov/about_va/

Links to VA organizations.................................................. http://www.va.gov/ 

Online Applications.................................http://www.va.gov/onlineapps.htm 

Online Forms......................................................http://www.va.gov/vaforms/ 

Facility Locator................................................................... http://www.va.gov/ 

Contact Information ............................................................https://iris.va.gov/ 

Veteran Data & Information..............................http://www.va.gov/vetdata/ 

VBA WEB SITES

Veterans Benefits Administration Home Page ........http://www.vba.va.gov 

Compensation & Pension.......... http://www.vba.va.gov/bln/21/index.htm 

Education................................................................... http://www.gibill.va.gov/ 

Life Insurance...................................................http://www.insurance.va.gov/ 

Loan Guaranty................................................. http://www.homeloans.va.gov 

Vocational Rehabilitation 

& Employment.............................http://www.vba.va.gov/bln/vre/index.htm
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Veterans Benefits Administration Making a difference E1Appendices

Summary of Fiscal Year 2011 Benefits

Compensation 

Estimated Veteran Population 22,234,242

Disability Compensation Recipients 3,354,741

Estimated Monthly Disability Compensation Costs $3,281,129,148 

Estimated Annual Disability Compensation Costs $39,373,549,773 

Disability Compensation by Age 44 and under 344,494

Disability Compensation by Age 45-54 972,444

Disability Compensation by Age 55-74 1,531,837

Disability Compensation by Age 75-84 303,455

Disability Compensation by Age 85 and over 201,019

Pension & Fiduciary 

Disability Pension Recipients 313,665

Estimated Monthly Disability Pension Costs $271,867,894 

Estimated Annual Disability Pension Costs $3,262,414,725 

Disability Pension by Age under 45 6,539

Disability Pension by Age 45-54 7,866

Disability Pension by Age 55-69 154,062

Disability Pension by Age 70-84 75,616

Disability Pension by Age 85 and over 69,182

Education 

MGIB-AD Trainees 185,220

MGIB-SR Trainees 65,216

DEA Trainees 90,657

VEAP Trainees 112

REAP Trainees 27,302

Post 9/11 Trainees 594,237

Insurance 

Life Insurance Payments $1,680,610,984 

Total Face Value of Insurance $12,990,994,037 

Total Number of Policies 1,085,006

Loan Guaranty 

Number of Loans 357,594

Total Loan Amount $74,929,221,125

Vocational Rehabilitation and Employment 

Number of Applicants 65,239

Number of Plans Developed 27,821

Number of Entitlement Decisions 41,229

Number of Veterans Rehabilitated through Independent Living 1,899

Number of Veterans Rehabilitated by Obtaining Suitable Employment 7,963
E4 Annual Benefits Report FY 2011 Appendices

Alabama

Compensation

Estimated Veteran Population 400,784

Disability Compensation Recipients 76,092

Estimated Monthly Disability Compensation Costs $76,976,638 

Estimated Annual Disability Compensation Costs $923,719,653 

Disability Compensation by Age 44 and under 5,908

Disability Compensation by Age 45-54 23,835

Disability Compensation by Age 55-74 36,978

Disability Compensation by Age 75-84 6,417

Disability Compensation by Age 85 and over 2,930

Pension & Fiduciary 

Disability Pension Recipients 9,090

Estimated Monthly Disability Pension Costs $8,611,123 

Estimated Annual Disability Pension Costs $103,333,472 

Disability Pension by Age under 45 165

Disability Pension by Age 45-54 163

Disability Pension by Age 55-69 3,736

Disability Pension by Age 70-84 2,759

Disability Pension by Age 85 and over 2,264

Education 

MGIB-AD Trainees 4,913

MGIB-SR Trainees 2,053

DEA Trainees 3,332

VEAP Trainees 2

REAP Trainees 669

Post 9/11 Trainees 11,582

Insurance 

Life Insurance Payments $24,745,745 

Total Face Value of Insurance $191,282,712 

Total Number of Policies 16,239

Loan Guaranty 

Number of Loans 8,566

Total Loan Amount $1,601,697,327

Vocational Rehabilitation and Employment 

Number of Applicants 2,205

Number of Plans Developed 886

Number of Entitlement Decisions 1,132

Number of Veterans Rehabilitated through Independent Living 163

Number of Veterans Rehabilitated by Obtaining Suitable Employment 188
Veterans Benefits Administration Making a difference E5Appendices

Alaska

Compensation

Estimated Veteran Population 77,351

Disability Compensation Recipients 14,712

Estimated Monthly Disability Compensation Costs $12,882,616 

Estimated Annual Disability Compensation Costs $154,591,392 

Disability Compensation by Age 44 and under 1,562

Disability Compensation by Age 45-54 6,364

Disability Compensation by Age 55-74 5,996

Disability Compensation by Age 75-84 608

Disability Compensation by Age 85 and over 180

Pension & Fiduciary 

Disability Pension Recipients 299

Estimated Monthly Disability Pension Costs $236,395 

Estimated Annual Disability Pension Costs $2,836,736 

Disability Pension by Age under 45 7

Disability Pension by Age 45-54 7

Disability Pension by Age 55-69 214

Disability Pension by Age 70-84 37

Disability Pension by Age 85 and over 34

Education 

MGIB-AD Trainees 350

MGIB-SR Trainees 166

DEA Trainees 192

VEAP Trainees 0

REAP Trainees 12

Post 9/11 Trainees 2,592

Insurance 

Life Insurance Payments $2,452,029 

Total Face Value of Insurance $18,953,998 

Total Number of Policies 1,417

Loan Guaranty 

Number of Loans 3,442

Total Loan Amount $908,876,683

Vocational Rehabilitation and Employment 

Number of Applicants 304

Number of Plans Developed 145

Number of Entitlement Decisions 207

Number of Veterans Rehabilitated through Independent Living 1

Number of Veterans Rehabilitated by Obtaining Suitable Employment 39
E6 Annual Benefits Report FY 2011 Appendices

Arizona

Compensation

Estimated Veteran Population 551,262

Disability Compensation Recipients 76,703

Estimated Monthly Disability Compensation Costs $75,084,795 

Estimated Annual Disability Compensation Costs $901,017,543 

Disability Compensation by Age 44 and under 8,786

Disability Compensation by Age 45-54 21,323

Disability Compensation by Age 55-74 34,763

Disability Compensation by Age 75-84 7,482

Disability Compensation by Age 85 and over 4,302

Pension & Fiduciary 

Disability Pension Recipients 5,578

Estimated Monthly Disability Pension Costs $4,623,211

Estimated Annual Disability Pension Costs $55,478,538

Disability Pension by Age under 45 108

Disability Pension by Age 45-54 134

Disability Pension by Age 55-69 2,857

Disability Pension by Age 70-84 1,334

Disability Pension by Age 85 and over 1,143

Education 

MGIB-AD Trainees 15,079

MGIB-SR Trainees 1,965

DEA Trainees 3,631

VEAP Trainees 3

REAP Trainees 1,171

Post 9/11 Trainees 27,992

Insurance 

Life Insurance Payments $36,906,232

Total Face Value of Insurance $285,282,341

Total Number of Policies 24,025

Loan Guaranty 

Number of Loans 11,323

Total Loan Amount $2,092,542,108

Vocational Rehabilitation and Employment 

Number of Applicants 1,622

Number of Plans Developed 597

Number of Entitlement Decisions 1,134

Number of Veterans Rehabilitated through Independent Living 100

Number of Veterans Rehabilitated by Obtaining Suitable Employment 303
Veterans Benefits Administration Making a difference E7Appendices

Arkansas

Compensation

Estimated Veteran Population 251,402

Disability Compensation Recipients 41,310

Estimated Monthly Disability Compensation Costs $51,755,725 

Estimated Annual Disability Compensation Costs $621,068,704 

Disability Compensation by Age 44 and under 4,074

Disability Compensation by Age 45-54 11,869

Disability Compensation by Age 55-74 19,850

Disability Compensation by Age 75-84 3,545

Disability Compensation by Age 85 and over 1,956

Pension & Fiduciary 

Disability Pension Recipients 4,606

Estimated Monthly Disability Pension Costs $3,559,883 

Estimated Annual Disability Pension Costs $42,718,597 

Disability Pension by Age under 45 136

Disability Pension by Age 45-54 139

Disability Pension by Age 55-69 2,344

Disability Pension by Age 70-84 1,057

Disability Pension by Age 85 and over 929

Education 

MGIB-AD Trainees 1,320

MGIB-SR Trainees 1,226

DEA Trainees 1,781

VEAP Trainees 1

REAP Trainees 566

Post 9/11 Trainees 3,463

Insurance 

Life Insurance Payments $15,010,947 

Total Face Value of Insurance $116,033,468 

Total Number of Policies 10,115

Loan Guaranty 

Number of Loans 3,529

Total Loan Amount $548,046,445

Vocational Rehabilitation and Employment 

Number of Applicants 892

Number of Plans Developed 432

Number of Entitlement Decisions 687

Number of Veterans Rehabilitated through Independent Living 17

Number of Veterans Rehabilitated by Obtaining Suitable Employment 149
E8 Annual Benefits Report FY 2011 Appendices

California

Compensation

Estimated Veteran Population 1,918,073

Disability Compensation Recipients 273,993

Estimated Monthly Disability Compensation Costs $254,116,507 

Estimated Annual Disability Compensation Costs $3,049,398,089 

Disability Compensation by Age 44 and under 37,252

Disability Compensation by Age 45-54 72,423

Disability Compensation by Age 55-74 118,396

Disability Compensation by Age 75-84 26,840

Disability Compensation by Age 85 and over 19,007

Pension & Fiduciary 

Disability Pension Recipients 26,297

Estimated Monthly Disability Pension Costs $24,060,300 

Estimated Annual Disability Pension Costs $288,723,600 

Disability Pension by Age under 45 609

Disability Pension by Age 45-54 659

Disability Pension by Age 55-69 13,577

Disability Pension by Age 70-84 5,684

Disability Pension by Age 85 and over 5,767

Education 

MGIB-AD Trainees 14,279

MGIB-SR Trainees 3,097

DEA Trainees 7,119

VEAP Trainees 12

REAP Trainees 650

Post 9/11 Trainees 63,263

Insurance 

Life Insurance Payments $164,427,252 

Total Face Value of Insurance $1,271,010,048 

Total Number of Policies 101,752

Loan Guaranty 

Number of Loans 27,028

Total Loan Amount $7,894,970,131

Vocational Rehabilitation and Employment 

Number of Applicants 6,782

Number of Plans Developed 1,998

Number of Entitlement Decisions 3,477

Number of Veterans Rehabilitated through Independent Living 132

Number of Veterans Rehabilitated by Obtaining Suitable Employment 393
Veterans Benefits Administration Making a difference E9Appendices

Colorado

Compensation

Estimated Veteran Population 417,834

Disability Compensation Recipients 70,712

Estimated Monthly Disability Compensation Costs $66,918,557 

Estimated Annual Disability Compensation Costs $803,022,688 

Disability Compensation by Age 44 and under 8,862

Disability Compensation by Age 45-54 23,513

Disability Compensation by Age 55-74 29,252

Disability Compensation by Age 75-84 5,874

Disability Compensation by Age 85 and over 3,176

Pension & Fiduciary 

Disability Pension Recipients 3,763

Estimated Monthly Disability Pension Costs $3,314,759 

Estimated Annual Disability Pension Costs $39,777,113 

Disability Pension by Age under 45 99

Disability Pension by Age 45-54 107

Disability Pension by Age 55-69 1,961

Disability Pension by Age 70-84 797

Disability Pension by Age 85 and over 796

Education 

MGIB-AD Trainees 4,978

MGIB-SR Trainees 861

DEA Trainees 1,755

VEAP Trainees 3

REAP Trainees 370

Post 9/11 Trainees 16,827

Insurance 

Life Insurance Payments $27,716,367 

Total Face Value of Insurance $214,245,388 

Total Number of Policies 17,611

Loan Guaranty 

Number of Loans 14,126

Total Loan Amount $3,227,859,941

Vocational Rehabilitation and Employment 

Number of Applicants 1,803

Number of Plans Developed 641

Number of Entitlement Decisions 964

Number of Veterans Rehabilitated through Independent Living 19

Number of Veterans Rehabilitated by Obtaining Suitable Employment 278

*VR&E total includes Wyoming.
E10 Annual Benefits Report FY 2011 Appendices

Connecticut 

Compensation

Estimated Veteran Population 221,899

Disability Compensation Recipients 21,613

Estimated Monthly Disability Compensation Costs $18,822,884 

Estimated Annual Disability Compensation Costs $225,874,612 

Disability Compensation by Age 44 and under 2,594

Disability Compensation by Age 45-54 5,084

Disability Compensation by Age 55-74 9,309

Disability Compensation by Age 75-84 2,110

Disability Compensation by Age 85 and over 2,509

Pension & Fiduciary 

Disability Pension Recipients 2,063

Estimated Monthly Disability Pension Costs $1,520,864 

Estimated Annual Disability Pension Costs $18,250,363 

Disability Pension by Age under 45 32

Disability Pension by Age 45-54 30

Disability Pension by Age 55-69 812

Disability Pension by Age 70-84 490

Disability Pension by Age 85 and over 685

Education 

MGIB-AD Trainees 915

MGIB-SR Trainees 554

DEA Trainees 397

VEAP Trainees 1

REAP Trainees 130

Post 9/11 Trainees 3,276

Insurance 

Life Insurance Payments $25,412,544 

Total Face Value of Insurance $196,437,017 

Total Number of Policies 16,297

Loan Guaranty 

Number of Loans 1,456

Total Loan Amount $357,309,837

Vocational Rehabilitation and Employment 

Number of Applicants 542

Number of Plans Developed 261

Number of Entitlement Decisions 334

Number of Veterans Rehabilitated through Independent Living 32

Number of Veterans Rehabilitated by Obtaining Suitable Employment 69
Veterans Benefits Administration Making a difference E11Appendices

Delaware

Compensation

Estimated Veteran Population 77,220

Disability Compensation Recipients 9,965

Estimated Monthly Disability Compensation Costs $9,283,928 

Estimated Annual Disability Compensation Costs $111,407,136 

Disability Compensation by Age 44 and under 753

Disability Compensation by Age 45-54 3,130

Disability Compensation by Age 55-74 4,606

Disability Compensation by Age 75-84 935

Disability Compensation by Age 85 and over 537

Pension & Fiduciary 

Disability Pension Recipients 503

Estimated Monthly Disability Pension Costs $389,948 

Estimated Annual Disability Pension Costs $4,679,375 

Disability Pension by Age under 45 7

Disability Pension by Age 45-54 15

Disability Pension by Age 55-69 245

Disability Pension by Age 70-84 111

Disability Pension by Age 85 and over 123

Education 

MGIB-AD Trainees 249

MGIB-SR Trainees 164

DEA Trainees 247

VEAP Trainees 0

REAP Trainees 35

Post 9/11 Trainees 1,499

Insurance 

Life Insurance Payments $5,483,776 

Total Face Value of Insurance $42,389,167 

Total Number of Policies 3,760

Loan Guaranty 

Number of Loans 1,224

Total Loan Amount $288,026,354

Vocational Rehabilitation and Employment 

Number of Applicants 161

Number of Plans Developed 59

Number of Entitlement Decisions 95

Number of Veterans Rehabilitated through Independent Living 1

Number of Veterans Rehabilitated by Obtaining Suitable Employment 31
E12 Annual Benefits Report FY 2011 Appendices

District of Columbia

Compensation

Estimated Veteran Population 36,579

Disability Compensation Recipients 4,392

Estimated Monthly Disability Compensation Costs $3,912,316 

Estimated Annual Disability Compensation Costs $46,947,790 

Disability Compensation by Age 44 and under 442

Disability Compensation by Age 45-54 1,278

Disability Compensation by Age 55-74 1,889

Disability Compensation by Age 75-84 447

Disability Compensation by Age 85 and over 332

Pension & Fiduciary 

Disability Pension Recipients 734

Estimated Monthly Disability Pension Costs $539,952 

Estimated Annual Disability Pension Costs $6,479,424 

Disability Pension by Age under 45 17

Disability Pension by Age 45-54 13

Disability Pension by Age 55-69 430

Disability Pension by Age 70-84 178

Disability Pension by Age 85 and over 95

Education 

MGIB-AD Trainees 267

MGIB-SR Trainees 35

DEA Trainees 198

VEAP Trainees 1

REAP Trainees 12

Post 9/11 Trainees 2,227

Insurance 

Life Insurance Payments $2,788,223 

Total Face Value of Insurance $21,552,748 

Total Number of Policies 1,716

Loan Guaranty 

Number of Loans 357

Total Loan Amount $154,718,413

Vocational Rehabilitation and Employment 

Number of Applicants 989

Number of Plans Developed 552

Number of Entitlement Decisions 849

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 88
Veterans Benefits Administration Making a difference E13Appendices

Florida

Compensation

Estimated Veteran Population 1,617,248

Disability Compensation Recipients 259,248

Estimated Monthly Disability Compensation Costs $247,106,083 

Estimated Annual Disability Compensation Costs $2,965,272,993 

Disability Compensation by Age 44 and under 20,651

Disability Compensation by Age 45-54 74,916

Disability Compensation by Age 55-74 116,522

Disability Compensation by Age 75-84 28,310

Disability Compensation by Age 85 and over 18,802

Pension & Fiduciary 

Disability Pension Recipients 23,115

Estimated Monthly Disability Pension Costs $21,079,075 

Estimated Annual Disability Pension Costs $252,948,898 

Disability Pension by Age under 45 524

Disability Pension by Age 45-54 589

Disability Pension by Age 55-69 11,266

Disability Pension by Age 70-84 5,307

Disability Pension by Age 85 and over 5,365

Education 

MGIB-AD Trainees 14,608

MGIB-SR Trainees 3,020

DEA Trainees 6,810

VEAP Trainees 7

REAP Trainees 1,081

Post 9/11 Trainees 42,607

Insurance 

Life Insurance Payments $147,915,189 

Total Face Value of Insurance $1,143,373,069 

Total Number of Policies 94,648

Loan Guaranty 

Number of Loans 22,550

Total Loan Amount $4,271,592,825

Vocational Rehabilitation and Employment 

Number of Applicants 4,174

Number of Plans Developed 1,848

Number of Entitlement Decisions 2,812

Number of Veterans Rehabilitated through Independent Living 126

Number of Veterans Rehabilitated by Obtaining Suitable Employment 527
E14 Annual Benefits Report FY 2011 Appendices

Georgia

Compensation

Estimated Veteran Population 773,337

Disability Compensation Recipients 124,673

Estimated Monthly Disability Compensation Costs $120,895,397 

Estimated Annual Disability Compensation Costs $1,450,744,767 

Disability Compensation by Age 44 and under 11,620

Disability Compensation by Age 45-54 47,150

Disability Compensation by Age 55-74 54,168

Disability Compensation by Age 75-84 8,173

Disability Compensation by Age 85 and over 3,512

Pension & Fiduciary 

Disability Pension Recipients 11,269

Estimated Monthly Disability Pension Costs $9,866,419 

Estimated Annual Disability Pension Costs $118,397,029 

Disability Pension by Age under 45 323

Disability Pension by Age 45-54 356

Disability Pension by Age 55-69 5,923

Disability Pension by Age 70-84 2,435

Disability Pension by Age 85 and over 2,187

Education 

MGIB-AD Trainees 7,836

MGIB-SR Trainees 2,655

DEA Trainees 4,015

VEAP Trainees 3

REAP Trainees 571

Post 9/11 Trainees 19,735

Insurance 

Life Insurance Payments $41,767,339 

Total Face Value of Insurance $322,858,324 

Total Number of Policies 27,528

Loan Guaranty 

Number of Loans 16,387

Total Loan Amount $2,922,162,969

Vocational Rehabilitation and Employment 

Number of Applicants 3,187

Number of Plans Developed 1,161

Number of Entitlement Decisions 1,868

Number of Veterans Rehabilitated through Independent Living 124

Number of Veterans Rehabilitated by Obtaining Suitable Employment 237
Veterans Benefits Administration Making a difference E15Appendices

Hawaii

Compensation

Estimated Veteran Population 114,892

Disability Compensation Recipients 18,855

Estimated Monthly Disability Compensation Costs $18,233,933 

Estimated Annual Disability Compensation Costs $218,807,191 

Disability Compensation by Age 44 and under 1,764

Disability Compensation by Age 45-54 5,633

Disability Compensation by Age 55-74 8,335

Disability Compensation by Age 75-84 1,989

Disability Compensation by Age 85 and over 1,112

Pension & Fiduciary 

Disability Pension Recipients 678

Estimated Monthly Disability Pension Costs $526,054 

Estimated Annual Disability Pension Costs $6,312,645 

Disability Pension by Age under 45 23

Disability Pension by Age 45-54 13

Disability Pension by Age 55-69 478

Disability Pension by Age 70-84 108

Disability Pension by Age 85 and over 56

Education 

MGIB-AD Trainees 496

MGIB-SR Trainees 343

DEA Trainees 387

VEAP Trainees 1

REAP Trainees 29

Post 9/11 Trainees 5,910

Insurance 

Life Insurance Payments $15,460,026 

Total Face Value of Insurance $119,504,818 

Total Number of Policies 8,346

Loan Guaranty 

Number of Loans 2,588

Total Loan Amount $1,168,179,303

Vocational Rehabilitation and Employment 

Number of Applicants 643

Number of Plans Developed 324

Number of Entitlement Decisions 402

Number of Veterans Rehabilitated through Independent Living 20

Number of Veterans Rehabilitated by Obtaining Suitable Employment 76
E16 Annual Benefits Report FY 2011 Appendices

Idaho

Compensation

Estimated Veteran Population 135,912

Disability Compensation Recipients 20,865

Estimated Monthly Disability Compensation Costs $19,288,364 

Estimated Annual Disability Compensation Costs $231,460,369 

Disability Compensation by Age 44 and under 2,249

Disability Compensation by Age 45-54 6,117

Disability Compensation by Age 55-74 9,483

Disability Compensation by Age 75-84 1,857

Disability Compensation by Age 85 and over 1,148

Pension & Fiduciary 

Disability Pension Recipients 1,463

Estimated Monthly Disability Pension Costs $1,242,478 

Estimated Annual Disability Pension Costs $14,909,739 

Disability Pension by Age under 45 25

Disability Pension by Age 45-54 35

Disability Pension by Age 55-69 711

Disability Pension by Age 70-84 330

Disability Pension by Age 85 and over 361

Education 

MGIB-AD Trainees 904

MGIB-SR Trainees 428

DEA Trainees 458

VEAP Trainees 1

REAP Trainees 106

Post 9/11 Trainees 2,200

Insurance 

Life Insurance Payments $7,581,154 

Total Face Value of Insurance $58,601,743 

Total Number of Policies 5,046

Loan Guaranty 

Number of Loans 2,437

Total Loan Amount $403,648,584

Vocational Rehabilitation and Employment 

Number of Applicants 282

Number of Plans Developed 121

Number of Entitlement Decisions 189

Number of Veterans Rehabilitated through Independent Living 2

Number of Veterans Rehabilitated by Obtaining Suitable Employment 59
Veterans Benefits Administration Making a difference E17Appendices

Illinois

Compensation

Estimated Veteran Population 762,509

Disability Compensation Recipients 75,579

Estimated Monthly Disability Compensation Costs $70,360,521 

Estimated Annual Disability Compensation Costs $844,326,253 

Disability Compensation by Age 44 and under 9,979

Disability Compensation by Age 45-54 21,003

Disability Compensation by Age 55-74 34,337

Disability Compensation by Age 75-84 5,213

Disability Compensation by Age 85 and over 5,007

Pension & Fiduciary 

Disability Pension Recipients 9,013

Estimated Monthly Disability Pension Costs $7,749,808 

Estimated Annual Disability Pension Costs $92,997,697 

Disability Pension by Age under 45 179

Disability Pension by Age 45-54 212

Disability Pension by Age 55-69 4,789

Disability Pension by Age 70-84 2,007

Disability Pension by Age 85 and over 1,823

Education 

MGIB-AD Trainees 8,859

MGIB-SR Trainees 2,522

DEA Trainees 2,162

VEAP Trainees 5

REAP Trainees 1,312

Post 9/11 Trainees 18,089

Insurance 

Life Insurance Payments $67,896,309 

Total Face Value of Insurance $524,833,260 

Total Number of Policies 40,684

Loan Guaranty 

Number of Loans 7,290

Total Loan Amount $1,315,202,763

Vocational Rehabilitation and Employment 

Number of Applicants 1,153

Number of Plans Developed 644

Number of Entitlement Decisions 914

Number of Veterans Rehabilitated through Independent Living 11

Number of Veterans Rehabilitated by Obtaining Suitable Employment 198
E18 Annual Benefits Report FY 2011 Appendices

Indiana

Compensation

Estimated Veteran Population 482,059

Disability Compensation Recipients 63,942

Estimated Monthly Disability Compensation Costs $52,762,038 

Estimated Annual Disability Compensation Costs $633,144,456 

Disability Compensation by Age 44 and under 6,053

Disability Compensation by Age 45-54 17,706

Disability Compensation by Age 55-74 31,097

Disability Compensation by Age 75-84 5,255

Disability Compensation by Age 85 and over 3,815

Pension & Fiduciary 

Disability Pension Recipients 5,141

Estimated Monthly Disability Pension Costs $4,816,100 

Estimated Annual Disability Pension Costs $57,793,197 

Disability Pension by Age under 45 103

Disability Pension by Age 45-54 157

Disability Pension by Age 55-69 2,429

Disability Pension by Age 70-84 1,150

Disability Pension by Age 85 and over 1,299

Education 

MGIB-AD Trainees 2,238

MGIB-SR Trainees 1,956

DEA Trainees 1,240

VEAP Trainees 2

REAP Trainees 658

Post 9/11 Trainees 7,312

Insurance 

Life Insurance Payments $25,642,731 

Total Face Value of Insurance $198,216,346 

Total Number of Policies 16,501

Loan Guaranty 

Number of Loans 5,772

Total Loan Amount $871,389,198

Vocational Rehabilitation and Employment 

Number of Applicants 1,321

Number of Plans Developed 834

Number of Entitlement Decisions 1,208

Number of Veterans Rehabilitated through Independent Living 97

Number of Veterans Rehabilitated by Obtaining Suitable Employment 164
Veterans Benefits Administration Making a difference E19Appendices

Iowa

Compensation

Estimated Veteran Population 228,731

Disability Compensation Recipients 29,786

Estimated Monthly Disability Compensation Costs $25,465,866 

Estimated Annual Disability Compensation Costs $305,590,395 

Disability Compensation by Age 44 and under 3,007

Disability Compensation by Age 45-54 7,197

Disability Compensation by Age 55-74 13,882

Disability Compensation by Age 75-84 3,258

Disability Compensation by Age 85 and over 2,411

Pension & Fiduciary 

Disability Pension Recipients 3,447

Estimated Monthly Disability Pension Costs $3,006,964 

Estimated Annual Disability Pension Costs $36,083,565 

Disability Pension by Age under 45 42

Disability Pension by Age 45-54 86

Disability Pension by Age 55-69 1,501

Disability Pension by Age 70-84 922

Disability Pension by Age 85 and over 894

Education 

MGIB-AD Trainees 6,045

MGIB-SR Trainees 1,631

DEA Trainees 980

VEAP Trainees 1

REAP Trainees 888

Post 9/11 Trainees 8,176

Insurance 

Life Insurance Payments $20,857,546 

Total Face Value of Insurance $161,227,231 

Total Number of Policies 11,965

Loan Guaranty 

Number of Loans 2,086

Total Loan Amount $329,141,032

Vocational Rehabilitation and Employment 

Number of Applicants 505

Number of Plans Developed 320

Number of Entitlement Decisions 432

Number of Veterans Rehabilitated through Independent Living 18

Number of Veterans Rehabilitated by Obtaining Suitable Employment 78
E20 Annual Benefits Report FY 2011 Appendices

Kansas

Compensation

Estimated Veteran Population 220,910

Disability Compensation Recipients 30,073

Estimated Monthly Disability Compensation Costs $27,199,483 

Estimated Annual Disability Compensation Costs $326,393,792 

Disability Compensation by Age 44 and under 3,131

Disability Compensation by Age 45-54 8,992

Disability Compensation by Age 55-74 13,539

Disability Compensation by Age 75-84 2,488

Disability Compensation by Age 85 and over 1,906

Pension & Fiduciary 

Disability Pension Recipients 2,729

Estimated Monthly Disability Pension Costs $2,223,041 

Estimated Annual Disability Pension Costs $26,676,488 

Disability Pension by Age under 45 49

Disability Pension by Age 45-54 83

Disability Pension by Age 55-69 1,334

Disability Pension by Age 70-84 635

Disability Pension by Age 85 and over 628

Education 

MGIB-AD Trainees 1,809

MGIB-SR Trainees 697

DEA Trainees 642

VEAP Trainees 1

REAP Trainees 336

Post 9/11 Trainees 5,237

Insurance 

Life Insurance Payments $15,958,423 

Total Face Value of Insurance $123,357,388 

Total Number of Policies 9,904

Loan Guaranty 

Number of Loans 3,855

Total Loan Amount $643,822,635

Vocational Rehabilitation and Employment 

Number of Applicants 481

Number of Plans Developed 262

Number of Entitlement Decisions 383

Number of Veterans Rehabilitated through Independent Living 7

Number of Veterans Rehabilitated by Obtaining Suitable Employment 103
Veterans Benefits Administration Making a difference E21Appendices

Kentucky

Compensation

Estimated Veteran Population 331,022

Disability Compensation Recipients 54,358

Estimated Monthly Disability Compensation Costs $61,537,050 

Estimated Annual Disability Compensation Costs $738,444,596 

Disability Compensation by Age 44 and under 5,122

Disability Compensation by Age 45-54 16,148

Disability Compensation by Age 55-74 25,972

Disability Compensation by Age 75-84 4,366

Disability Compensation by Age 85 and over 2,740

Pension & Fiduciary 

Disability Pension Recipients 5,492

Estimated Monthly Disability Pension Costs $4,461,563 

Estimated Annual Disability Pension Costs $53,538,760 

Disability Pension by Age under 45 112

Disability Pension by Age 45-54 154

Disability Pension by Age 55-69 2,902

Disability Pension by Age 70-84 1,323

Disability Pension by Age 85 and over 998

Education 

MGIB-AD Trainees 1,802

MGIB-SR Trainees 1,024

DEA Trainees 1,849

VEAP Trainees 1

REAP Trainees 380

Post 9/11 Trainees 5,805

Insurance 

Life Insurance Payments $18,216,887 

Total Face Value of Insurance $140,815,137 

Total Number of Policies 11,997

Loan Guaranty 

Number of Loans 4,757

Total Loan Amount $789,153,253

Vocational Rehabilitation and Employment 

Number of Applicants 1,171

Number of Plans Developed 566

Number of Entitlement Decisions 749

Number of Veterans Rehabilitated through Independent Living 31

Number of Veterans Rehabilitated by Obtaining Suitable Employment 137
E22 Annual Benefits Report FY 2011 Appendices

Louisiana

Compensation

Estimated Veteran Population 297,658

Disability Compensation Recipients 45,702

Estimated Monthly Disability Compensation Costs $49,799,934 

Estimated Annual Disability Compensation Costs $597,599,205 

Disability Compensation by Age 44 and under 5,064

Disability Compensation by Age 45-54 12,979

Disability Compensation by Age 55-74 21,622

Disability Compensation by Age 75-84 3,904

Disability Compensation by Age 85 and over 2,129

Pension & Fiduciary 

Disability Pension Recipients 7,361

Estimated Monthly Disability Pension Costs $6,227,077 

Estimated Annual Disability Pension Costs $74,724,918 

Disability Pension by Age under 45 171

Disability Pension by Age 45-54 174

Disability Pension by Age 55-69 3,703

Disability Pension by Age 70-84 1,830

Disability Pension by Age 85 and over 1,482

Education 

MGIB-AD Trainees 1,788

MGIB-SR Trainees 1,215

DEA Trainees 1,618

VEAP Trainees 1

REAP Trainees 322

Post 9/11 Trainees 5,681

Insurance 

Life Insurance Payments $19,808,816 

Total Face Value of Insurance $153,120,626 

Total Number of Policies 12,692

Loan Guaranty 

Number of Loans 4,011

Total Loan Amount $760,795,175

Vocational Rehabilitation and Employment 

Number of Applicants 800

Number of Plans Developed 414

Number of Entitlement Decisions 620

Number of Veterans Rehabilitated through Independent Living 25

Number of Veterans Rehabilitated by Obtaining Suitable Employment 103
Veterans Benefits Administration Making a difference E23Appendices

Maine

Compensation

Estimated Veteran Population 136,400

Disability Compensation Recipients 23,270

Estimated Monthly Disability Compensation Costs $27,663,293 

Estimated Annual Disability Compensation Costs $331,959,521 

Disability Compensation by Age 44 and under 1,812

Disability Compensation by Age 45-54 6,200

Disability Compensation by Age 55-74 11,326

Disability Compensation by Age 75-84 2,472

Disability Compensation by Age 85 and over 1,459

Pension & Fiduciary 

Disability Pension Recipients 2,144

Estimated Monthly Disability Pension Costs $1,609,433 

Estimated Annual Disability Pension Costs $19,313,201 

Disability Pension by Age under 45 68

Disability Pension by Age 45-54 53

Disability Pension by Age 55-69 1,205

Disability Pension by Age 70-84 510

Disability Pension by Age 85 and over 307

Education 

MGIB-AD Trainees 407

MGIB-SR Trainees 283

DEA Trainees 646

VEAP Trainees 1

REAP Trainees 67

Post 9/11 Trainees 1,581

Insurance 

Life Insurance Payments $9,616,870 

Total Face Value of Insurance $74,337,668 

Total Number of Policies 6,707

Loan Guaranty 

Number of Loans 1,097

Total Loan Amount $198,103,227

Vocational Rehabilitation and Employment 

Number of Applicants 389

Number of Plans Developed 193

Number of Entitlement Decisions 338

Number of Veterans Rehabilitated through Independent Living 14

Number of Veterans Rehabilitated by Obtaining Suitable Employment 58
E24 Annual Benefits Report FY 2011 Appendices

Maryland

Compensation

Estimated Veteran Population 465,727

Disability Compensation Recipients 60,778

Estimated Monthly Disability Compensation Costs $52,805,306 

Estimated Annual Disability Compensation Costs $633,663,667 

Disability Compensation by Age 44 and under 6,242

Disability Compensation by Age 45-54 23,343

Disability Compensation by Age 55-74 24,504

Disability Compensation by Age 75-84 3,855

Disability Compensation by Age 85 and over 2,803

Pension & Fiduciary 

Disability Pension Recipients 3,289

Estimated Monthly Disability Pension Costs $2,758,025 

Estimated Annual Disability Pension Costs $33,096,300 

Disability Pension by Age under 45 65

Disability Pension by Age 45-54 77

Disability Pension by Age 55-69 1,733

Disability Pension by Age 70-84 772

Disability Pension by Age 85 and over 634

Education 

MGIB-AD Trainees 3,512

MGIB-SR Trainees 629

DEA Trainees 1,057

VEAP Trainees 3

REAP Trainees 151

Post 9/11 Trainees 17,050

Insurance 

Life Insurance Payments $34,011,642 

Total Face Value of Insurance $262,907,383 

Total Number of Policies 20,706

Loan Guaranty 

Number of Loans 10,442

Total Loan Amount $3,297,300,882

Vocational Rehabilitation and Employment 

Number of Applicants 736

Number of Plans Developed 356

Number of Entitlement Decisions 411

Number of Veterans Rehabilitated through Independent Living 16

Number of Veterans Rehabilitated by Obtaining Suitable Employment 97
Veterans Benefits Administration Making a difference E25Appendices

Massachusetts

Compensation

Estimated Veteran Population 378,622

Disability Compensation Recipients 53,581

Estimated Monthly Disability Compensation Costs $50,709,251 

Estimated Annual Disability Compensation Costs $608,511,009 

Disability Compensation by Age 44 and under 4,733

Disability Compensation by Age 45-54 10,221

Disability Compensation by Age 55-74 23,169

Disability Compensation by Age 75-84 8,357

Disability Compensation by Age 85 and over 7,086

Pension & Fiduciary 

Disability Pension Recipients 4,127

Estimated Monthly Disability Pension Costs $3,477,124 

Estimated Annual Disability Pension Costs $41,725,491 

Disability Pension by Age under 45 73

Disability Pension by Age 45-54 93

Disability Pension by Age 55-69 1,950

Disability Pension by Age 70-84 953

Disability Pension by Age 85 and over 1,049

Education 

MGIB-AD Trainees 1,379

MGIB-SR Trainees 759

DEA Trainees 1,036

VEAP Trainees 3

REAP Trainees 213

Post 9/11 Trainees 7,078

Insurance 

Life Insurance Payments $42,248,283 

Total Face Value of Insurance $326,575,988 

Total Number of Policies 29,511

Loan Guaranty 

Number of Loans 2,594

Total Loan Amount $697,897,014

Vocational Rehabilitation and Employment 

Number of Applicants 652

Number of Plans Developed 236

Number of Entitlement Decisions 357

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 47
E26 Annual Benefits Report FY 2011 Appendices

Michigan

Compensation

Estimated Veteran Population 684,492

Disability Compensation Recipients 77,675

Estimated Monthly Disability Compensation Costs $76,816,405 

Estimated Annual Disability Compensation Costs $921,796,855 

Disability Compensation by Age 44 and under 6,641

Disability Compensation by Age 45-54 18,246

Disability Compensation by Age 55-74 40,043

Disability Compensation by Age 75-84 6,433

Disability Compensation by Age 85 and over 6,236

Pension & Fiduciary 

Disability Pension Recipients 10,016

Estimated Monthly Disability Pension Costs $9,664,511 

Estimated Annual Disability Pension Costs $115,974,131 

Disability Pension by Age under 45 228

Disability Pension by Age 45-54 283

Disability Pension by Age 55-69 5,105

Disability Pension by Age 70-84 2,069

Disability Pension by Age 85 and over 2,321

Education 

MGIB-AD Trainees 2,337

MGIB-SR Trainees 1,260

DEA Trainees 1,696

VEAP Trainees 4

REAP Trainees 275

Post 9/11 Trainees 8,896

Insurance 

Life Insurance Payments $46,122,034 

Total Face Value of Insurance $356,519,787 

Total Number of Policies 31,327

Loan Guaranty 

Number of Loans 4,459

Total Loan Amount $639,011,254

Vocational Rehabilitation and Employment 

Number of Applicants 1,602

Number of Plans Developed 851

Number of Entitlement Decisions 1,003

Number of Veterans Rehabilitated through Independent Living 136

Number of Veterans Rehabilitated by Obtaining Suitable Employment 173
Veterans Benefits Administration Making a difference E27Appendices

Minnesota

Compensation

Estimated Veteran Population 371,933

Disability Compensation Recipients 74,928

Estimated Monthly Disability Compensation Costs $59,783,319 

Estimated Annual Disability Compensation Costs $717,399,830 

Disability Compensation by Age 44 and under 6,530

Disability Compensation by Age 45-54 13,744

Disability Compensation by Age 55-74 37,260

Disability Compensation by Age 75-84 10,771

Disability Compensation by Age 85 and over 6,578

Pension & Fiduciary 

Disability Pension Recipients 4,123

Estimated Monthly Disability Pension Costs $3,265,497 

Estimated Annual Disability Pension Costs $39,185,961 

Disability Pension by Age under 45 86

Disability Pension by Age 45-54 110

Disability Pension by Age 55-69 1,879

Disability Pension by Age 70-84 1,059

Disability Pension by Age 85 and over 989

Education 

MGIB-AD Trainees 2,725

MGIB-SR Trainees 1,858

DEA Trainees 1,613

VEAP Trainees 3

REAP Trainees 576

Post 9/11 Trainees 9,799

Insurance 

Life Insurance Payments $36,174,629 

Total Face Value of Insurance $279,627,108 

Total Number of Policies 24,786

Loan Guaranty 

Number of Loans 4,076

Total Loan Amount $758,461,186

Vocational Rehabilitation and Employment 

Number of Applicants 829

Number of Plans Developed 382

Number of Entitlement Decisions 597

Number of Veterans Rehabilitated through Independent Living 7

Number of Veterans Rehabilitated by Obtaining Suitable Employment 139
E28 Annual Benefits Report FY 2011 Appendices

Mississippi

Compensation

Estimated Veteran Population 201,926

Disability Compensation Recipients 32,856

Estimated Monthly Disability Compensation Costs $32,476,985 

Estimated Annual Disability Compensation Costs $389,723,818 

Disability Compensation by Age 44 and under 2,768

Disability Compensation by Age 45-54 9,964

Disability Compensation by Age 55-74 15,425

Disability Compensation by Age 75-84 3,007

Disability Compensation by Age 85 and over 1,657

Pension & Fiduciary 

Disability Pension Recipients 4,588

Estimated Monthly Disability Pension Costs $3,495,784 

Estimated Annual Disability Pension Costs $41,949,414 

Disability Pension by Age under 45 90

Disability Pension by Age 45-54 96

Disability Pension by Age 55-69 2,022

Disability Pension by Age 70-84 1,166

Disability Pension by Age 85 and over 1,212

Education 

MGIB-AD Trainees 1,052

MGIB-SR Trainees 1,412

DEA Trainees 995

VEAP Trainees 1

REAP Trainees 592

Post 9/11 Trainees 4,245

Insurance 

Life Insurance Payments $11,926,618 

Total Face Value of Insurance $92,191,845 

Total Number of Policies 7,874

Loan Guaranty 

Number of Loans 2,539

Total Loan Amount $422,011,443

Vocational Rehabilitation and Employment 

Number of Applicants 521

Number of Plans Developed 224

Number of Entitlement Decisions 255

Number of Veterans Rehabilitated through Independent Living 16

Number of Veterans Rehabilitated by Obtaining Suitable Employment 63
Veterans Benefits Administration Making a difference E29Appendices

Missouri

Compensation

Estimated Veteran Population 496,745

Disability Compensation Recipients 70,334

Estimated Monthly Disability Compensation Costs $67,235,140 

Estimated Annual Disability Compensation Costs $806,821,684 

Disability Compensation by Age 44 and under 6,176

Disability Compensation by Age 45-54 17,996

Disability Compensation by Age 55-74 34,664

Disability Compensation by Age 75-84 6,786

Disability Compensation by Age 85 and over 4,639

Pension & Fiduciary 

Disability Pension Recipients 7,900

Estimated Monthly Disability Pension Costs $7,221,503 

Estimated Annual Disability Pension Costs $86,658,034 

Disability Pension by Age under 45 112

Disability Pension by Age 45-54 174

Disability Pension by Age 55-69 3,714

Disability Pension by Age 70-84 2,001

Disability Pension by Age 85 and over 1,894

Education 

MGIB-AD Trainees 6,700

MGIB-SR Trainees 2,129

DEA Trainees 1,701

VEAP Trainees 3

REAP Trainees 1,742

Post 9/11 Trainees 11,592

Insurance 

Life Insurance Payments $31,801,055 

Total Face Value of Insurance $245,819,714 

Total Number of Policies 20,755

Loan Guaranty 

Number of Loans 7,098

Total Loan Amount $1,149,008,311

Vocational Rehabilitation and Employment 

Number of Applicants 1,128

Number of Plans Developed 487

Number of Entitlement Decisions 692

Number of Veterans Rehabilitated through Independent Living 31

Number of Veterans Rehabilitated by Obtaining Suitable Employment 154
E30 Annual Benefits Report FY 2011 Appendices

Montana

Compensation

Estimated Veteran Population 100,904

Disability Compensation Recipients 19,084

Estimated Monthly Disability Compensation Costs $18,177,123 

Estimated Annual Disability Compensation Costs $218,125,479 

Disability Compensation by Age 44 and under 2,235

Disability Compensation by Age 45-54 4,963

Disability Compensation by Age 55-74 9,138

Disability Compensation by Age 75-84 1,741

Disability Compensation by Age 85 and over 1,001

Pension & Fiduciary 

Disability Pension Recipients 1,552

Estimated Monthly Disability Pension Costs $1,277,592 

Estimated Annual Disability Pension Costs $15,331,108 

Disability Pension by Age under 45 31

Disability Pension by Age 45-54 47

Disability Pension by Age 55-69 836

Disability Pension by Age 70-84 367

Disability Pension by Age 85 and over 271

Education 

MGIB-AD Trainees 465

MGIB-SR Trainees 315

DEA Trainees 372

VEAP Trainees 0

REAP Trainees 37

Post 9/11 Trainees 1,670

Insurance 

Life Insurance Payments $6,977,042 

Total Face Value of Insurance $53,932,003 

Total Number of Policies 4,473

Loan Guaranty 

Number of Loans 1,584

Total Loan Amount $297,396,835

Vocational Rehabilitation and Employment 

Number of Applicants 391

Number of Plans Developed 251

Number of Entitlement Decisions 325

Number of Veterans Rehabilitated through Independent Living 2

Number of Veterans Rehabilitated by Obtaining Suitable Employment 48
Veterans Benefits Administration Making a difference E31Appendices

Nebraska

Compensation

Estimated Veteran Population 142,443

Disability Compensation Recipients 36,184

Estimated Monthly Disability Compensation Costs $29,833,886 

Estimated Annual Disability Compensation Costs $358,006,636 

Disability Compensation by Age 44 and under 3,036

Disability Compensation by Age 45-54 8,449

Disability Compensation by Age 55-74 16,019

Disability Compensation by Age 75-84 5,748

Disability Compensation by Age 85 and over 2,857

Pension & Fiduciary 

Disability Pension Recipients 1,616

Estimated Monthly Disability Pension Costs $1,441,766 

Estimated Annual Disability Pension Costs $17,301,198 

Disability Pension by Age under 45 32

Disability Pension by Age 45-54 41

Disability Pension by Age 55-69 793

Disability Pension by Age 70-84 416

Disability Pension by Age 85 and over 332

Education 

MGIB-AD Trainees 1,792

MGIB-SR Trainees 752

DEA Trainees 821

VEAP Trainees 1

REAP Trainees 316

Post 9/11 Trainees 3,713

Insurance 

Life Insurance Payments $12,796,436 

Total Face Value of Insurance $98,915,471 

Total Number of Policies 7,859

Loan Guaranty 

Number of Loans 3,148

Total Loan Amount $529,555,045

Vocational Rehabilitation and Employment 

Number of Applicants 429

Number of Plans Developed 268

Number of Entitlement Decisions 324

Number of Veterans Rehabilitated through Independent Living 1

Number of Veterans Rehabilitated by Obtaining Suitable Employment 79
E32 Annual Benefits Report FY 2011 Appendices

Nevada

Compensation

Estimated Veteran Population 242,205

Disability Compensation Recipients 33,103

Estimated Monthly Disability Compensation Costs $32,214,915 

Estimated Annual Disability Compensation Costs $386,578,976 

Disability Compensation by Age 44 and under 3,256

Disability Compensation by Age 45-54 9,610

Disability Compensation by Age 55-74 15,847

Disability Compensation by Age 75-84 2,992

Disability Compensation by Age 85 and over 1,389

Pension & Fiduciary 

Disability Pension Recipients 3,175

Estimated Monthly Disability Pension Costs $2,652,750 

Estimated Annual Disability Pension Costs $31,832,997 

Disability Pension by Age under 45 65

Disability Pension by Age 45-54 98

Disability Pension by Age 55-69 1,731

Disability Pension by Age 70-84 810

Disability Pension by Age 85 and over 471

Education 

MGIB-AD Trainees 1,175

MGIB-SR Trainees 410

DEA Trainees 585

VEAP Trainees 1

REAP Trainees 79

Post 9/11 Trainees 4,180

Insurance 

Life Insurance Payments $11,415,339 

Total Face Value of Insurance $88,239,698 

Total Number of Policies 7,902

Loan Guaranty 

Number of Loans 4,968

Total Loan Amount $955,517,841

Vocational Rehabilitation and Employment 

Number of Applicants 531

Number of Plans Developed 225

Number of Entitlement Decisions 359

Number of Veterans Rehabilitated through Independent Living 20

Number of Veterans Rehabilitated by Obtaining Suitable Employment 63
Veterans Benefits Administration Making a difference E33Appendices

New Hampshire

Compensation

Estimated Veteran Population 126,111

Disability Compensation Recipients 15,859

Estimated Monthly Disability Compensation Costs $14,516,434 

Estimated Annual Disability Compensation Costs $174,197,206 

Disability Compensation by Age 44 and under 1,331

Disability Compensation by Age 45-54 4,119

Disability Compensation by Age 55-74 7,536

Disability Compensation by Age 75-84 1,785

Disability Compensation by Age 85 and over 1,081

Pension & Fiduciary 

Disability Pension Recipients 870

Estimated Monthly Disability Pension Costs $791,653 

Estimated Annual Disability Pension Costs $9,499,840 

Disability Pension by Age under 45 4

Disability Pension by Age 45-54 14

Disability Pension by Age 55-69 351

Disability Pension by Age 70-84 226

Disability Pension by Age 85 and over 274

Education 

MGIB-AD Trainees 301

MGIB-SR Trainees 184

DEA Trainees 240

VEAP Trainees 1

REAP Trainees 34

Post 9/11 Trainees 1,736

Insurance 

Life Insurance Payments $9,016,294 

Total Face Value of Insurance $69,695,261 

Total Number of Policies 5,978

Loan Guaranty 

Number of Loans 1,136

Total Loan Amount $264,613,719

Vocational Rehabilitation and Employment 

Number of Applicants 237

Number of Plans Developed 112

Number of Entitlement Decisions 161

Number of Veterans Rehabilitated through Independent Living 1

Number of Veterans Rehabilitated by Obtaining Suitable Employment 29
E34 Annual Benefits Report FY 2011 Appendices

New Jersey

Compensation

Estimated Veteran Population 423,334

Disability Compensation Recipients 49,863

Estimated Monthly Disability Compensation Costs $48,949,977 

Estimated Annual Disability Compensation Costs $587,399,721 

Disability Compensation by Age 44 and under 4,546

Disability Compensation by Age 45-54 9,861

Disability Compensation by Age 55-74 23,027

Disability Compensation by Age 75-84 6,132

Disability Compensation by Age 85 and over 6,223

Pension & Fiduciary 

Disability Pension Recipients 3,159

Estimated Monthly Disability Pension Costs $2,870,607 

Estimated Annual Disability Pension Costs $34,447,288 

Disability Pension by Age under 45 41

Disability Pension by Age 45-54 54

Disability Pension by Age 55-69 1,257

Disability Pension by Age 70-84 771

Disability Pension by Age 85 and over 1,021

Education 

MGIB-AD Trainees 1,446

MGIB-SR Trainees 987

DEA Trainees 821

VEAP Trainees 2

REAP Trainees 179

Post 9/11 Trainees 6,504

Insurance 

Life Insurance Payments $54,809,561 

Total Face Value of Insurance $423,673,701 

Total Number of Policies 35,269

Loan Guaranty 

Number of Loans 2,915

Total Loan Amount $737,095,532

Vocational Rehabilitation and Employment 

Number of Applicants 736

Number of Plans Developed 328

Number of Entitlement Decisions 368

Number of Veterans Rehabilitated through Independent Living 49

Number of Veterans Rehabilitated by Obtaining Suitable Employment 99
Veterans Benefits Administration Making a difference E35Appendices

New Mexico

Compensation

Estimated Veteran Population 172,595

Disability Compensation Recipients 31,668

Estimated Monthly Disability Compensation Costs $40,092,031 

Estimated Annual Disability Compensation Costs $481,104,367 

Disability Compensation by Age 44 and under 2,595

Disability Compensation by Age 45-54 8,383

Disability Compensation by Age 55-74 15,872

Disability Compensation by Age 75-84 3,081

Disability Compensation by Age 85 and over 1,718

Pension & Fiduciary 

Disability Pension Recipients 2,632

Estimated Monthly Disability Pension Costs $2,070,126 

Estimated Annual Disability Pension Costs $24,841,511 

Disability Pension by Age under 45 72

Disability Pension by Age 45-54 62

Disability Pension by Age 55-69 1,414

Disability Pension by Age 70-84 626

Disability Pension by Age 85 and over 458

Education 

MGIB-AD Trainees 1,619

MGIB-SR Trainees 441

DEA Trainees 1,232

VEAP Trainees 1

REAP Trainees 108

Post 9/11 Trainees 3,256

Insurance 

Life Insurance Payments $13,519,358 

Total Face Value of Insurance $104,503,599 

Total Number of Policies 8,922

Loan Guaranty 

Number of Loans 4,046

Total Loan Amount $768,705,363

Vocational Rehabilitation and Employment 

Number of Applicants 622

Number of Plans Developed 280

Number of Entitlement Decisions 440

Number of Veterans Rehabilitated through Independent Living 43

Number of Veterans Rehabilitated by Obtaining Suitable Employment 77
E36 Annual Benefits Report FY 2011 Appendices

New York

Compensation

Estimated Veteran Population 913,489

Disability Compensation Recipients 108,986

Estimated Monthly Disability Compensation Costs $102,912,818 

Estimated Annual Disability Compensation Costs $1,234,953,816 

Disability Compensation by Age 44 and under 11,784

Disability Compensation by Age 45-54 23,956

Disability Compensation by Age 55-74 50,742

Disability Compensation by Age 75-84 10,793

Disability Compensation by Age 85 and over 11,657

Pension & Fiduciary 

Disability Pension Recipients 13,171

Estimated Monthly Disability Pension Costs $10,193,861 

Estimated Annual Disability Pension Costs $122,326,329 

Disability Pension by Age under 45 212

Disability Pension by Age 45-54 326

Disability Pension by Age 55-69 6,232

Disability Pension by Age 70-84 3,263

Disability Pension by Age 85 and over 3,102

Education 

MGIB-AD Trainees 3,765

MGIB-SR Trainees 1,785

DEA Trainees 2,513

VEAP Trainees 5

REAP Trainees 408

Post 9/11 Trainees 17,292

Insurance 

Life Insurance Payments $102,458,339 

Total Face Value of Insurance $791,995,107 

Total Number of Policies 65,846

Loan Guaranty 

Number of Loans 4,566

Total Loan Amount $917,061,468

Vocational Rehabilitation and Employment 

Number of Applicants 1,788

Number of Plans Developed 952

Number of Entitlement Decisions 1,289

Number of Veterans Rehabilitated through Independent Living 169

Number of Veterans Rehabilitated by Obtaining Suitable Employment 204
Veterans Benefits Administration Making a difference E37Appendices

North Carolina

Compensation

Estimated Veteran Population 760,544

Disability Compensation Recipients 135,169

Estimated Monthly Disability Compensation Costs $141,153,761 

Estimated Annual Disability Compensation Costs $1,693,845,136 

Disability Compensation by Age 44 and under 13,508

Disability Compensation by Age 45-54 45,209

Disability Compensation by Age 55-74 61,470

Disability Compensation by Age 75-84 10,237

Disability Compensation by Age 85 and over 4,738

Pension & Fiduciary 

Disability Pension Recipients 9,413

Estimated Monthly Disability Pension Costs $7,230,615 

Estimated Annual Disability Pension Costs $86,767,378 

Disability Pension by Age under 45 153

Disability Pension by Age 45-54 177

Disability Pension by Age 55-69 4,353

Disability Pension by Age 70-84 2,367

Disability Pension by Age 85 and over 2,341

Education 

MGIB-AD Trainees 6,567

MGIB-SR Trainees 1,651

DEA Trainees 4,303

VEAP Trainees 3

REAP Trainees 579

Post 9/11 Trainees 15,539

Insurance 

Life Insurance Payments $49,859,862 

Total Face Value of Insurance $385,412,912 

Total Number of Policies 31,933

Loan Guaranty 

Number of Loans 23,021

Total Loan Amount $4,128,947,944

Vocational Rehabilitation and Employment 

Number of Applicants 2,300

Number of Plans Developed 635

Number of Entitlement Decisions 1,134

Number of Veterans Rehabilitated through Independent Living 12

Number of Veterans Rehabilitated by Obtaining Suitable Employment 180
E38 Annual Benefits Report FY 2011 Appendices

North Dakota

Compensation

Estimated Veteran Population 55,471

Disability Compensation Recipients 10,537

Estimated Monthly Disability Compensation Costs $8,688,408 

Estimated Annual Disability Compensation Costs $104,260,896 

Disability Compensation by Age 44 and under 1,274

Disability Compensation by Age 45-54 2,832

Disability Compensation by Age 55-74 4,733

Disability Compensation by Age 75-84 1,056

Disability Compensation by Age 85 and over 638

Pension & Fiduciary 

Disability Pension Recipients 774

Estimated Monthly Disability Pension Costs $559,755 

Estimated Annual Disability Pension Costs $6,717,058 

Disability Pension by Age under 45 6

Disability Pension by Age 45-54 15

Disability Pension by Age 55-69 337

Disability Pension by Age 70-84 206

Disability Pension by Age 85 and over 210

Education 

MGIB-AD Trainees 399

MGIB-SR Trainees 573

DEA Trainees 227

VEAP Trainees 0

REAP Trainees 247

Post 9/11 Trainees 1,294

Insurance 

Life Insurance Payments $4,224,744 

Total Face Value of Insurance $32,656,946 

Total Number of Policies 2,819

Loan Guaranty 

Number of Loans 1,034

Total Loan Amount $180,119,092

Vocational Rehabilitation and Employment 

Number of Applicants 172

Number of Plans Developed 101

Number of Entitlement Decisions 183

Number of Veterans Rehabilitated through Independent Living 6

Number of Veterans Rehabilitated by Obtaining Suitable Employment 50
Veterans Benefits Administration Making a difference E39Appendices

Ohio

Compensation

Estimated Veteran Population 867,240

Disability Compensation Recipients 101,083

Estimated Monthly Disability Compensation Costs $89,571,872 

Estimated Annual Disability Compensation Costs $1,074,862,459 

Disability Compensation by Age 44 and under 10,049

Disability Compensation by Age 45-54 27,079

Disability Compensation by Age 55-74 48,956

Disability Compensation by Age 75-84 7,892

Disability Compensation by Age 85 and over 7,071

Pension & Fiduciary 

Disability Pension Recipients 15,577

Estimated Monthly Disability Pension Costs $14,152,675 

Estimated Annual Disability Pension Costs $169,832,104 

Disability Pension by Age under 45 463

Disability Pension by Age 45-54 502

Disability Pension by Age 55-69 8,905

Disability Pension by Age 70-84 2,828

Disability Pension by Age 85 and over 2,872

Education 

MGIB-AD Trainees 3,803

MGIB-SR Trainees 2,802

DEA Trainees 1,989

VEAP Trainees 4

REAP Trainees 981

Post 9/11 Trainees 12,700

Insurance 

Life Insurance Payments $59,373,125 

Total Face Value of Insurance $458,949,700 

Total Number of Policies 39,546

Loan Guaranty 

Number of Loans 8,106

Total Loan Amount $1,301,281,846

Vocational Rehabilitation and Employment 

Number of Applicants 1,905

Number of Plans Developed 1,090

Number of Entitlement Decisions 1,734

Number of Veterans Rehabilitated through Independent Living 40

Number of Veterans Rehabilitated by Obtaining Suitable Employment 133
E40 Annual Benefits Report FY 2011 Appendices

Oklahoma

Compensation

Estimated Veteran Population 319,528

Disability Compensation Recipients 71,091

Estimated Monthly Disability Compensation Costs $84,646,194 

Estimated Annual Disability Compensation Costs $1,015,754,326 

Disability Compensation by Age 44 and under 6,509

Disability Compensation by Age 45-54 18,182

Disability Compensation by Age 55-74 35,366

Disability Compensation by Age 75-84 7,302

Disability Compensation by Age 85 and over 3,726

Pension & Fiduciary 

Disability Pension Recipients 5,938

Estimated Monthly Disability Pension Costs $5,893,830 

Estimated Annual Disability Pension Costs $70,725,965 

Disability Pension by Age under 45 101

Disability Pension by Age 45-54 182

Disability Pension by Age 55-69 3,214

Disability Pension by Age 70-84 1,415

Disability Pension by Age 85 and over 1,025

Education 

MGIB-AD Trainees 3,142

MGIB-SR Trainees 1,241

DEA Trainees 2,357

VEAP Trainees 1

REAP Trainees 606

Post 9/11 Trainees 5,899

Insurance 

Life Insurance Payments $20,966,861 

Total Face Value of Insurance $162,072,226 

Total Number of Policies 14,292

Loan Guaranty 

Number of Loans 6,643

Total Loan Amount $1,066,957,489

Vocational Rehabilitation and Employment 

Number of Applicants 1,484

Number of Plans Developed 526

Number of Entitlement Decisions 773

Number of Veterans Rehabilitated through Independent Living 39

Number of Veterans Rehabilitated by Obtaining Suitable Employment 193
Veterans Benefits Administration Making a difference E41Appendices

Oregon

Compensation

Estimated Veteran Population 327,288

Disability Compensation Recipients 52,949

Estimated Monthly Disability Compensation Costs $59,640,945 

Estimated Annual Disability Compensation Costs $715,691,344 

Disability Compensation by Age 44 and under 6,055

Disability Compensation by Age 45-54 12,850

Disability Compensation by Age 55-74 26,229

Disability Compensation by Age 75-84 4,451

Disability Compensation by Age 85 and over 3,302

Pension & Fiduciary 

Disability Pension Recipients 5,578

Estimated Monthly Disability Pension Costs $4,942,740 

Estimated Annual Disability Pension Costs $59,312,881 

Disability Pension by Age under 45 107

Disability Pension by Age 45-54 150

Disability Pension by Age 55-69 3,303

Disability Pension by Age 70-84 1,097

Disability Pension by Age 85 and over 920

Education 

MGIB-AD Trainees 1,848

MGIB-SR Trainees 621

DEA Trainees 1,414

VEAP Trainees 2

REAP Trainees 269

Post 9/11 Trainees 6,246

Insurance 

Life Insurance Payments $22,106,530 

Total Face Value of Insurance $170,881,781 

Total Number of Policies 14,449

Loan Guaranty 

Number of Loans 4,952

Total Loan Amount $1,036,297,226

Vocational Rehabilitation and Employment 

Number of Applicants 1,313

Number of Plans Developed 571

Number of Entitlement Decisions 919

Number of Veterans Rehabilitated through Independent Living 10

Number of Veterans Rehabilitated by Obtaining Suitable Employment 204
E42 Annual Benefits Report FY 2011 Appendices

Pennsylvania

Compensation

Estimated Veteran Population 933,404

Disability Compensation Recipients 99,489

Estimated Monthly Disability Compensation Costs $95,484,689 

Estimated Annual Disability Compensation Costs $1,145,816,269 

Disability Compensation by Age 44 and under 9,599

Disability Compensation by Age 45-54 23,687

Disability Compensation by Age 55-74 47,553

Disability Compensation by Age 75-84 9,284

Disability Compensation by Age 85 and over 9,276

Pension & Fiduciary 

Disability Pension Recipients 14,150

Estimated Monthly Disability Pension Costs $13,304,701 

Estimated Annual Disability Pension Costs $159,656,416 

Disability Pension by Age under 45 216

Disability Pension by Age 45-54 338

Disability Pension by Age 55-69 6,268

Disability Pension by Age 70-84 3,301

Disability Pension by Age 85 and over 3,964

Education 

MGIB-AD Trainees 3,395

MGIB-SR Trainees 2,325

DEA Trainees 2,274

VEAP Trainees 4

REAP Trainees 429

Post 9/11 Trainees 16,461

Insurance 

Life Insurance Payments $84,547,190 

Total Face Value of Insurance $653,543,294 

Total Number of Policies 57,551

Loan Guaranty 

Number of Loans 7,115

Total Loan Amount $1,343,461,881

Vocational Rehabilitation and Employment 

Number of Applicants 1,550

Number of Plans Developed 760

Number of Entitlement Decisions 1,067

Number of Veterans Rehabilitated through Independent Living 15

Number of Veterans Rehabilitated by Obtaining Suitable Employment 251
Veterans Benefits Administration Making a difference E43Appendices

Rhode Island

Compensation

Estimated Veteran Population 68,552

Disability Compensation Recipients 10,201

Estimated Monthly Disability Compensation Costs $9,849,060 

Estimated Annual Disability Compensation Costs $118,188,723 

Disability Compensation by Age 44 and under 786

Disability Compensation by Age 45-54 2,236

Disability Compensation by Age 55-74 4,777

Disability Compensation by Age 75-84 1,173

Disability Compensation by Age 85 and over 1,222

Pension & Fiduciary 

Disability Pension Recipients 979

Estimated Monthly Disability Pension Costs $925,906 

Estimated Annual Disability Pension Costs $11,110,872 

Disability Pension by Age under 45 17

Disability Pension by Age 45-54 26

Disability Pension by Age 55-69 420

Disability Pension by Age 70-84 229

Disability Pension by Age 85 and over 284

Education 

MGIB-AD Trainees 211

MGIB-SR Trainees 224

DEA Trainees 210

VEAP Trainees 1

REAP Trainees 62

Post 9/11 Trainees 1,424

Insurance 

Life Insurance Payments $6,617,248 

Total Face Value of Insurance $51,150,823 

Total Number of Policies 4,746

Loan Guaranty 

Number of Loans 488

Total Loan Amount $118,356,129

Vocational Rehabilitation and Employment 

Number of Applicants 318

Number of Plans Developed 80

Number of Entitlement Decisions 113

Number of Veterans Rehabilitated through Independent Living 14

Number of Veterans Rehabilitated by Obtaining Suitable Employment 29
E44 Annual Benefits Report FY 2011 Appendices

South Carolina

Compensation

Estimated Veteran Population 403,975

Disability Compensation Recipients 70,110

Estimated Monthly Disability Compensation Costs $75,813,982 

Estimated Annual Disability Compensation Costs $909,767,780 

Disability Compensation by Age 44 and under 6,273

Disability Compensation by Age 45-54 22,204

Disability Compensation by Age 55-74 33,516

Disability Compensation by Age 75-84 5,769

Disability Compensation by Age 85 and over 2,322

Pension & Fiduciary 

Disability Pension Recipients 6,500

Estimated Monthly Disability Pension Costs $5,537,248 

Estimated Annual Disability Pension Costs $66,446,980 

Disability Pension by Age under 45 128

Disability Pension by Age 45-54 134

Disability Pension by Age 55-69 3,058

Disability Pension by Age 70-84 1,627

Disability Pension by Age 85 and over 1,535

Education 

MGIB-AD Trainees 1,950

MGIB-SR Trainees 1,575

DEA Trainees 2,395

VEAP Trainees 2

REAP Trainees 248

Post 9/11 Trainees 9,171

Insurance 

Life Insurance Payments $27,534,357 

Total Face Value of Insurance $212,838,468 

Total Number of Policies 18,199

Loan Guaranty 

Number of Loans 8,212

Total Loan Amount $1,501,697,665

Vocational Rehabilitation and Employment 

Number of Applicants 1,413

Number of Plans Developed 509

Number of Entitlement Decisions 777

Number of Veterans Rehabilitated through Independent Living 37

Number of Veterans Rehabilitated by Obtaining Suitable Employment 265
Veterans Benefits Administration Making a difference E45Appendices

South Dakota

Compensation

Estimated Veteran Population 70,743

Disability Compensation Recipients 13,160

Estimated Monthly Disability Compensation Costs $12,305,738 

Estimated Annual Disability Compensation Costs $147,668,855 

Disability Compensation by Age 44 and under 1,658

Disability Compensation by Age 45-54 3,814

Disability Compensation by Age 55-74 5,952

Disability Compensation by Age 75-84 1,088

Disability Compensation by Age 85 and over 635

Pension & Fiduciary 

Disability Pension Recipients 1,417

Estimated Monthly Disability Pension Costs $1,113,066 

Estimated Annual Disability Pension Costs $13,356,789 

Disability Pension by Age under 45 22

Disability Pension by Age 45-54 19

Disability Pension by Age 55-69 617

Disability Pension by Age 70-84 428

Disability Pension by Age 85 and over 331

Education 

MGIB-AD Trainees 442

MGIB-SR Trainees 674

DEA Trainees 284

VEAP Trainees 0

REAP Trainees 192

Post 9/11 Trainees 1,274

Insurance 

Life Insurance Payments $5,789,790 

Total Face Value of Insurance $44,754,635 

Total Number of Policies 3,658

Loan Guaranty 

Number of Loans 1,324

Total Loan Amount $230,062,737

Vocational Rehabilitation and Employment 

Number of Applicants 252

Number of Plans Developed 173

Number of Entitlement Decisions 266

Number of Veterans Rehabilitated through Independent Living 7

Number of Veterans Rehabilitated by Obtaining Suitable Employment 78
E46 Annual Benefits Report FY 2011 Appendices

Tennessee

Compensation

Estimated Veteran Population 489,083

Disability Compensation Recipients 80,319

Estimated Monthly Disability Compensation Costs $81,921,976 

Estimated Annual Disability Compensation Costs $983,063,707 

Disability Compensation by Age 44 and under 7,215

Disability Compensation by Age 45-54 24,853

Disability Compensation by Age 55-74 39,015

Disability Compensation by Age 75-84 6,025

Disability Compensation by Age 85 and over 3,196

Pension & Fiduciary 

Disability Pension Recipients 8,629

Estimated Monthly Disability Pension Costs $7,156,000 

Estimated Annual Disability Pension Costs $85,871,994 

Disability Pension by Age under 45 129

Disability Pension by Age 45-54 228

Disability Pension by Age 55-69 4,451

Disability Pension by Age 70-84 2,047

Disability Pension by Age 85 and over 1,772

Education 

MGIB-AD Trainees 2,591

MGIB-SR Trainees 1,360

DEA Trainees 1,808

VEAP Trainees 2

REAP Trainees 538

Post 9/11 Trainees 10,105

Insurance 

Life Insurance Payments $27,578,999 

Total Face Value of Insurance $213,183,550 

Total Number of Policies 17,864

Loan Guaranty 

Number of Loans 10,107

Total Loan Amount $1,722,112,373

Vocational Rehabilitation and Employment 

Number of Applicants 1,582

Number of Plans Developed 455

Number of Entitlement Decisions 691

Number of Veterans Rehabilitated through Independent Living 16

Number of Veterans Rehabilitated by Obtaining Suitable Employment 186
Veterans Benefits Administration Making a difference E47Appendices

Texas

Compensation

Estimated Veteran Population 1,683,237

Disability Compensation Recipients 299,877

Estimated Monthly Disability Compensation Costs $310,403,785 

Estimated Annual Disability Compensation Costs $3,724,845,417 

Disability Compensation by Age 44 and under 36,509

Disability Compensation by Age 45-54 94,413

Disability Compensation by Age 55-74 131,584

Disability Compensation by Age 75-84 24,873

Disability Compensation by Age 85 and over 12,407

Pension & Fiduciary 

Disability Pension Recipients 24,984

Estimated Monthly Disability Pension Costs $21,908,959 

Estimated Annual Disability Pension Costs $262,907,507 

Disability Pension by Age under 45 680

Disability Pension by Age 45-54 713

Disability Pension by Age 55-69 13,002

Disability Pension by Age 70-84 5,561

Disability Pension by Age 85 and over 5,022

Education 

MGIB-AD Trainees 14,575

MGIB-SR Trainees 3,255

DEA Trainees 8,204

VEAP Trainees 7

REAP Trainees 899

Post 9/11 Trainees 49,938

Insurance 

Life Insurance Payments $103,130,948 

Total Face Value of Insurance $797,194,322 

Total Number of Policies 66,736

Loan Guaranty 

Number of Loans 34,178

Total Loan Amount $5,991,844,850

Vocational Rehabilitation and Employment 

Number of Applicants 6,638

Number of Plans Developed 2,985

Number of Entitlement Decisions 4,076

Number of Veterans Rehabilitated through Independent Living 210

Number of Veterans Rehabilitated by Obtaining Suitable Employment 1,010
E48 Annual Benefits Report FY 2011 Appendices

Utah

Compensation

Estimated Veteran Population 151,955

Disability Compensation Recipients 20,418

Estimated Monthly Disability Compensation Costs $19,049,677 

Estimated Annual Disability Compensation Costs $228,596,121 

Disability Compensation by Age 44 and under 2,793

Disability Compensation by Age 45-54 6,173

Disability Compensation by Age 55-74 8,646

Disability Compensation by Age 75-84 1,647

Disability Compensation by Age 85 and over 1,151

Pension & Fiduciary 

Disability Pension Recipients 1,659

Estimated Monthly Disability Pension Costs $1,575,228 

Estimated Annual Disability Pension Costs $18,902,740 

Disability Pension by Age under 45 42

Disability Pension by Age 45-54 48

Disability Pension by Age 55-69 700

Disability Pension by Age 70-84 380

Disability Pension by Age 85 and over 486

Education 

MGIB-AD Trainees 1,819

MGIB-SR Trainees 1,063

DEA Trainees 714

VEAP Trainees 1

REAP Trainees 385

Post 9/11 Trainees 4,364

Insurance 

Life Insurance Payments $10,654,477 

Total Face Value of Insurance $82,358,289 

Total Number of Policies 7,073

Loan Guaranty 

Number of Loans 3,135

Total Loan Amount $677,300,593

Vocational Rehabilitation and Employment 

Number of Applicants 639

Number of Plans Developed 421

Number of Entitlement Decisions 579

Number of Veterans Rehabilitated through Independent Living 4

Number of Veterans Rehabilitated by Obtaining Suitable Employment 89
Veterans Benefits Administration Making a difference E49Appendices

Vermont

Compensation

Estimated Veteran Population 50,913

Disability Compensation Recipients 6,519

Estimated Monthly Disability Compensation Costs $6,626,231 

Estimated Annual Disability Compensation Costs $79,514,777 

Disability Compensation by Age 44 and under 496

Disability Compensation by Age 45-54 1,674

Disability Compensation by Age 55-74 3,195

Disability Compensation by Age 75-84 656

Disability Compensation by Age 85 and over 483

Pension & Fiduciary 

Disability Pension Recipients 399

Estimated Monthly Disability Pension Costs $257,858 

Estimated Annual Disability Pension Costs $3,094,299 

Disability Pension by Age under 45 3

Disability Pension by Age 45-54 7

Disability Pension by Age 55-69 231

Disability Pension by Age 70-84 102

Disability Pension by Age 85 and over 56

Education 

MGIB-AD Trainees 241

MGIB-SR Trainees 120

DEA Trainees 116

VEAP Trainees 0

REAP Trainees 29

Post 9/11 Trainees 1,119

Insurance 

Life Insurance Payments $3,700,678 

Total Face Value of Insurance $28,605,960 

Total Number of Policies 2,445

Loan Guaranty 

Number of Loans 395

Total Loan Amount $84,507,979

Vocational Rehabilitation and Employment 

Number of Applicants 122

Number of Plans Developed 102

Number of Entitlement Decisions 145

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 5
E50 Annual Benefits Report FY 2011 Appendices

Virginia

Compensation

Estimated Veteran Population 823,348

Disability Compensation Recipients 137,265

Estimated Monthly Disability Compensation Costs $120,751,419 

Estimated Annual Disability Compensation Costs $1,449,017,023 

Disability Compensation by Age 44 and under 13,147

Disability Compensation by Age 45-54 56,545

Disability Compensation by Age 55-74 54,721

Disability Compensation by Age 75-84 8,675

Disability Compensation by Age 85 and over 4,121

Pension & Fiduciary 

Disability Pension Recipients 5,763

Estimated Monthly Disability Pension Costs $4,599,031 

Estimated Annual Disability Pension Costs $55,188,377 

Disability Pension by Age under 45 137

Disability Pension by Age 45-54 137

Disability Pension by Age 55-69 2,919

Disability Pension by Age 70-84 1,316

Disability Pension by Age 85 and over 1,238

Education 

MGIB-AD Trainees 7,160

MGIB-SR Trainees 1,489

DEA Trainees 3,420

VEAP Trainees 4

REAP Trainees 518

Post 9/11 Trainees 38,883

Insurance 

Life Insurance Payments $48,543,583 

Total Face Value of Insurance $375,238,171 

Total Number of Policies 29,998

Loan Guaranty 

Number of Loans 27,440

Total Loan Amount $8,179,525,109

Vocational Rehabilitation and Employment 

Number of Applicants 1,884

Number of Plans Developed 604

Number of Entitlement Decisions 1,005

Number of Veterans Rehabilitated through Independent Living 9

Number of Veterans Rehabilitated by Obtaining Suitable Employment 171
Veterans Benefits Administration Making a difference E51Appendices

Washington

Compensation

Estimated Veteran Population 626,515

Disability Compensation Recipients 102,551

Estimated Monthly Disability Compensation Costs $95,962,624 

Estimated Annual Disability Compensation Costs $1,151,551,490 

Disability Compensation by Age 44 and under 11,794

Disability Compensation by Age 45-54 33,996

Disability Compensation by Age 55-74 44,905

Disability Compensation by Age 75-84 7,476

Disability Compensation by Age 85 and over 4,362

Pension & Fiduciary 

Disability Pension Recipients 5,717

Estimated Monthly Disability Pension Costs $5,194,498 

Estimated Annual Disability Pension Costs $62,333,978 

Disability Pension by Age under 45 162

Disability Pension by Age 45-54 177

Disability Pension by Age 55-69 3,091

Disability Pension by Age 70-84 1,145

Disability Pension by Age 85 and over 1,140

Education 

MGIB-AD Trainees 3,487

MGIB-SR Trainees 719

DEA Trainees 2,408

VEAP Trainees 3

REAP Trainees 186

Post 9/11 Trainees 15,051

Insurance 

Life Insurance Payments $36,209,037 

Total Face Value of Insurance $279,893,083 

Total Number of Policies 23,514

Loan Guaranty 

Number of Loans 15,854

Total Loan Amount $3,751,899,886

Vocational Rehabilitation and Employment 

Number of Applicants 1,939

Number of Plans Developed 842

Number of Entitlement Decisions 1,291

Number of Veterans Rehabilitated through Independent Living 19

Number of Veterans Rehabilitated by Obtaining Suitable Employment 332
E52 Annual Benefits Report FY 2011 Appendices

West Virginia

Compensation

Estimated Veteran Population 163,496

Disability Compensation Recipients 27,117

Estimated Monthly Disability Compensation Costs $33,750,151 

Estimated Annual Disability Compensation Costs $405,001,816 

Disability Compensation by Age 44 and under 2,344

Disability Compensation by Age 45-54 6,846

Disability Compensation by Age 55-74 14,286

Disability Compensation by Age 75-84 2,243

Disability Compensation by Age 85 and over 1,386

Pension & Fiduciary 

Disability Pension Recipients 3,349

Estimated Monthly Disability Pension Costs $2,689,092 

Estimated Annual Disability Pension Costs $32,269,108 

Disability Pension by Age under 45 67

Disability Pension by Age 45-54 110

Disability Pension by Age 55-69 1,957

Disability Pension by Age 70-84 774

Disability Pension by Age 85 and over 439

Education 

MGIB-AD Trainees 5,278

MGIB-SR Trainees 980

DEA Trainees 899

VEAP Trainees 1

REAP Trainees 976

Post 9/11 Trainees 6,807

Insurance 

Life Insurance Payments $10,430,544 

Total Face Value of Insurance $80,627,307 

Total Number of Policies 7,005

Loan Guaranty 

Number of Loans 1,576

Total Loan Amount $267,451,539

Vocational Rehabilitation and Employment 

Number of Applicants 455

Number of Plans Developed 277

Number of Entitlement Decisions 353

Number of Veterans Rehabilitated through Independent Living 18

Number of Veterans Rehabilitated by Obtaining Suitable Employment 79
Veterans Benefits Administration Making a difference E53Appendices

Wisconsin

Compensation

Estimated Veteran Population 407,624

Disability Compensation Recipients 57,745

Estimated Monthly Disability Compensation Costs $54,387,975 

Estimated Annual Disability Compensation Costs $652,655,698 

Disability Compensation by Age 44 and under 7,423

Disability Compensation by Age 45-54 14,678

Disability Compensation by Age 55-74 26,595

Disability Compensation by Age 75-84 5,326

Disability Compensation by Age 85 and over 3,709

Pension & Fiduciary 

Disability Pension Recipients 5,630

Estimated Monthly Disability Pension Costs $4,997,359 

Estimated Annual Disability Pension Costs $59,968,305 

Disability Pension by Age under 45 139

Disability Pension by Age 45-54 156

Disability Pension by Age 55-69 2,771

Disability Pension by Age 70-84 1,201

Disability Pension by Age 85 and over 1,363

Education 

MGIB-AD Trainees 1,517

MGIB-SR Trainees 1,456

DEA Trainees 1,381

VEAP Trainees 2

REAP Trainees 604

Post 9/11 Trainees 7,355

Insurance 

Life Insurance Payments $36,771,847 

Total Face Value of Insurance $284,243,559 

Total Number of Policies 24,046

Loan Guaranty 

Number of Loans 3,841

Total Loan Amount $652,998,399

Vocational Rehabilitation and Employment 

Number of Applicants 1,079

Number of Plans Developed 249

Number of Entitlement Decisions 412

Number of Veterans Rehabilitated through Independent Living 4

Number of Veterans Rehabilitated by Obtaining Suitable Employment 66
E54 Annual Benefits Report FY 2011 Appendices

Wyoming

Compensation

Estimated Veteran Population 55,510

Disability Compensation Recipients 8,536

Estimated Monthly Disability Compensation Costs $7,348,149 

Estimated Annual Disability Compensation Costs $88,177,788 

Disability Compensation by Age 44 and under 1,046

Disability Compensation by Age 45-54 2,577

Disability Compensation by Age 55-74 3,856

Disability Compensation by Age 75-84 647

Disability Compensation by Age 85 and over 389

Pension & Fiduciary 

Disability Pension Recipients 480

Estimated Monthly Disability Pension Costs $380,083 

Estimated Annual Disability Pension Costs $4,560,994 

Disability Pension by Age under 45 15

Disability Pension by Age 45-54 16

Disability Pension by Age 55-69 281

Disability Pension by Age 70-84 94

Disability Pension by Age 85 and over 74

Education 

MGIB-AD Trainees 456

MGIB-SR Trainees 191

DEA Trainees 145

VEAP Trainees 0

REAP Trainees 109

Post 9/11 Trainees 689

Insurance 

Life Insurance Payments $3,063,985 

Total Face Value of Insurance $23,684,371 

Total Number of Policies 1,862

Loan Guaranty 

Number of Loans 1,175

Total Loan Amount $243,131,036

Vocational Rehabilitation and Employment 

Number of Applicants 122

Number of Plans Developed 41

Number of Entitlement Decisions 63

Number of Veterans Rehabilitated Through Independent Living 2

Number of Veterans Rehabilitated By Obtaining Suitable Employment 25
Veterans Benefits Administration Making a difference E55Appendices

Puerto Rico

Compensation

Estimated Veteran Population 109,376

Disability Compensation Recipients 22,793

Estimated Monthly Disability Compensation Costs $30,465,992 

Estimated Annual Disability Compensation Costs $365,591,899 

Disability Compensation by Age 44 and under 1,451

Disability Compensation by Age 45-54 6,168

Disability Compensation by Age 55-74 11,304

Disability Compensation by Age 75-84 2,903

Disability Compensation by Age 85 and over 963

Pension & Fiduciary 

Disability Pension Recipients 10,368

Estimated Monthly Disability Pension Costs $7,282,885 

Estimated Annual Disability Pension Costs $87,394,623 

Disability Pension by Age under 45 27

Disability Pension by Age 45-54 49

Disability Pension by Age 55-69 2,115

Disability Pension by Age 70-84 5,607

Disability Pension by Age 85 and over 2,556

Education 

MGIB-AD Trainees 487

MGIB-SR Trainees 1,413

DEA Trainees 1,574

VEAP Trainees 1

REAP Trainees 667

Post 9/11 Trainees 1,565

Insurance 

Life Insurance Payments $4,619,406 

Total Face Value of Insurance $35,707,657 

Total Number of Policies 3,586

Loan Guaranty 

Number of Loans 1,370

Total Loan Amount $219,571,122

Vocational Rehabilitation and Employment 

Number of Applicants 375

Number of Plans Developed 154

Number of Entitlement Decisions 218

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 63
E56 Annual Benefits Report FY 2011 Appendices

Philippines

Compensation

Estimated Veteran Population 92,834

Disability Compensation Recipients 5,180

Estimated Monthly Disability Compensation Costs $7,627,928 

Estimated Annual Disability Compensation Costs $91,535,135 

Disability Compensation by Age 44 and under 136

Disability Compensation by Age 45-54 918

Disability Compensation by Age 55-74 2,178

Disability Compensation by Age 75-84 424

Disability Compensation by Age 85 and over 1,524

Pension & Fiduciary 

Disability Pension Recipients 586

Estimated Monthly Disability Pension Costs $692,860 

Estimated Annual Disability Pension Costs $8,314,320 

Disability Pension by Age under 45 4

Disability Pension by Age 45-54 9

Disability Pension by Age 55-69 288

Disability Pension by Age 70-84 165

Disability Pension by Age 85 and over 119

Education 

MGIB-AD Trainees 243

MGIB-SR Trainees 2

DEA Trainees 14

VEAP Trainees 0

REAP Trainees 1

Post 9/11 Trainees 370

Insurance 

Life Insurance Payments $784,904 

Total Face Value of Insurance $6,067,247 

Total Number of Policies 577

Loan Guaranty 

Number of Loans 17

Total Loan Amount $5,266,008

Vocational Rehabilitation and Employment 

Number of Applicants 89

Number of Plans Developed 36

Number of Entitlement Decisions 55

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 4
Veterans Benefits Administration Making a difference E57Appendices

Other Foreign

Compensation

Disability Compensation Recipients 21,628

Estimated Monthly Disability Compensation Costs $18,800,723 

Estimated Annual Disability Compensation Costs $225,608,676 

Disability Compensation by Age 44 and under 1,864

Disability Compensation by Age 45-54 9,747

Disability Compensation by Age 55-74 8,316

Disability Compensation by Age 75-84 1,229

Disability Compensation by Age 85 and over 467

Pension & Fiduciary 

Disability Pension Recipients 721

Estimated Monthly Disability Pension Costs $591,536 

Estimated Annual Disability Pension Costs $7,098,428 

Disability Pension by Age under 45 11

Disability Pension by Age 45-54 19

Disability Pension by Age 55-69 325

Disability Pension by Age 70-84 203

Disability Pension by Age 85 and over 161

Education 

MGIB-AD Trainees 8,197

MGIB-SR Trainees 2,302

DEA Trainees 0

VEAP Trainees 0

REAP Trainees 4,557

Post 9/11 Trainees 34,813

Insurance 

Life Insurance Payments $3,384,785 

Total Face Value of Insurance $26,164,123 

Total Number of Policies 1,859
[ This page intentionally left blank ]
Veterans Benefits Administration Making a difference F1Index

Index

Index to Tables and Charts

Compensation 3

Quick Reference Guide 5

Summary of Beneficiaries Who Began Receiving Compensation Benefits During Fiscal 

Year 2011 6

Summary of Active Compensation Benefit Accounts at the End of Fiscal Year 2011 6

Veterans Who Began Receiving Disability Compensation by Combined Degree During 

Fiscal Year 2011 6

Service-Connected Benefits by Combined Degree for Veterans Who Began Receiving 

Compensation During Fiscal Year 2011 7

Combined Degree of Service-Connected Disabilities for Veterans Who Began Receiving 

Compensation by Fiscal Year 8

Service-Connected Disability Benefits by Combined Percent of Disability for Veterans 

Receiving Compensation at the End of Fiscal Year 2011 8

Service-Connected Benefits by Combined Degree for Veterans Receiving Compensation 

at the End of Fiscal Year 2011 9

Most Prevalent Service-Connected Disabilities for Veterans Who Began Receiving 

Compensation During Fiscal Year 2011 9

Service-Connected Disabilities by Body System for Veterans Who Began Receiving 

Compensation by Fiscal Year 10

Number of Veterans with Service-Connected Disabilities Receiving Compensation by 

Combined Percent by Fiscal Year 11

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

Year 2011 11

Age of Veterans Receiving Service-Connected Compensation at the End of Fiscal 

Year 2011 11

Individual Service-Connected Disabilities by Evaluation for Veterans Receiving 

Compensation at the End of Fiscal Year 2011 12

Frequency of Individual Service-Connected Disabilities by Body System for Veterans 

Receiving Compensation at the End of Fiscal Year 2011 13

Service-Connected Disabilities by Body System for Veterans Receiving Compensation by 

Fiscal Year 14

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

Fiscal Year 2011 by Percent and Body System 15

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

Fiscal Year 2011 by Percent and Body System (continued) 16

Most Prevalent Service-Connected Disabilities 17

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

Year 2011 18

Veterans Receiving Service-Connected Disability Benefits at the End of Fiscal Year 2011 19

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2011 19
F2 Annual Benefits Report FY 2011 Index

Service-Connected Disabilities at the End of Fiscal Year 2011 by Period of Service 21

Beneficiaries Who Began Receiving DIC by Fiscal Year 22

Beneficiaries Receiving DIC by Relationship at the End of Fiscal Year 2011 22

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2011 22

Age of Children Who Began Receiving DIC Benefits During Fiscal Year 2011 23

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

End of Fiscal Year 2011 23

Surviving Spouses Receiving DIC by Age at the End of Fiscal Year 2011 24

Children Receiving DIC by Age at the End of Fiscal Year 2011 24

GWOT Service-Connected Disability Benefits By Combined Percent of Disability for 

Veterans Receiving Compensation at the End of Fiscal Year 2011 26

GWOT Disabilities By Body System and Gender for Veterans Receiving Compensation at 

End of Fiscal Year 2011 26

Disabilities By Gender for GWOT Veterans Receiving Compensation at End of Fiscal 

Year 2011 27

Pension 29

Quick Reference Guide 30

Summary of Beneficiaries Who Began Receiving Pension Benefits During Fiscal 

Year 2011 31

Summary of Active Pension Benefit Accounts at the End of Fiscal Year 2011 31

Veterans Receiving Disability Pension at the End of Fiscal Year 2011 31

Disability Pension by Period of Service at the End of Fiscal Year 2011 32

Veterans Who Began Receiving Disability Pension Benefits During Fiscal Year 2011 

by Age 32

Veterans Receiving Death Pension at the End of Fiscal Year 2011 by Age 33

Beneficiaries Receiving Death Pension by Program at the End of Fiscal Year 2011 33

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2011 by Age 33

Surviving Spouses Receiving Death Pension at the End of Fiscal Year 2011 by Age 34

Death Pension by Period of Service at the End of Fiscal Year 2011 34

Fiduciary 35

Number of Beneficiaries by Beneficiary Type 35

Benefits Paid by Category 35

Type of Fiduciary by Category 36

Education 37

Quick Reference Guide 40

Beneficiaries by Program by Fiscal Year 40

Beneficiaries Who Received Education Benefits by Type of Training and Program During 

Fiscal Year 2011 40

Training Available Under Education Benefit Programs 41

Compensation (continued)
Veterans Benefits Administration Making a difference F3Index

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2011 42

Beneficiaries Received Education Benefits By Training Time and Program During Fiscal 

Year 2011 42

Unique Beneficiaries and Payments by Fiscal Year 44

Beneficiaries Statistics 46

Insurance 48

Quick Reference Guide 49

Lives Insured by Fiscal Year 49

Benefits Paid by Fiscal Year 50

Death Awards (Number) by Fiscal Year 50

Death Awards (Amount) by Fiscal Year 51

Number of Operations Processed on Administered Policies by Fiscal Year 51

Programs That No Longer Issue Coverage 52

Programs That Issue Coverage 52

2011 Rankings by Total Life Insurance In-Force 52

New Life Insurance Coverage Issued During Fiscal Year 2011 53

New Life Insurance Coverage Issued by Fiscal Year 54

Policy Lapses During Fiscal Year 2011 54

Lump-Sum Payments Made to Policy Holders During Fiscal Year 2011 55

Life Insurance Dividend Payments by Fiscal Years 55

Lump-Sum Payments Made on Policies Matured Due to Death During Fiscal Year 2011 56

Number of Death Claims Paid by Fiscal Year 56

Insurance Monthly Installment Award Payments to Policyholders at the End of Fiscal 

Year 2011 57

Insurance Monthly Installment Award Payments to Beneficiaries in Fiscal Year 2011 58

Total Insurance Policies In-Force During Fiscal Year 2011 58

Life Insurance Policies In Force by Fiscal Year 58

Age Distribution for Insurance Programs 59

SGLI Coverage by Branch and Component of Service 60

SGLI by Coverage Level – Active Duty and Reserve Duty 61

FSGLI by Coverage Level – Active Duty and Reserve Duty 61

Loan Guaranty 62

Quick Reference Guide 64

VA Home Loans Guaranteed by Fiscal Year 64

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria 65

Types and Characteristics of Loans Guaranteed During Fiscal Year 2011 66

Status of Loans Guaranteed by Fiscal Year 66

VA Home Loans Guaranteed by Fiscal Year 67

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2011 67

Loans Guaranteed by Period of Service Entitlement During Fiscal Year 2011 68

Entitlement Loans Guaranteed by Fiscal Year 69
F4 Annual Benefits Report FY 2011 Index

Home Loans Guaranteed Based on Gender and Age During Fiscal Year 2011 69

Purchase Loans Guaranteed Based on Annual Income During Fiscal Year 2011 70

Number of Loans Guaranteed by Age by Fiscal Year 70

Percent of Loans Guaranteed by Age by Fiscal Year 71

Loans Guaranteed by Race During Fiscal Year 2011 71

Loans Guaranteed by Race by Fiscal Year 72

Vocational Rehabilitation and Employment 73

Quick Reference Guide 75

Vocational Rehabilitation and Employment Activities During Fiscal Year 2011 76

Vocational Rehabilitation and Employment Activities by Prior Education Level Fiscal 

Year 2011 76

Veterans Who Received Subsistence as Part of a Vocational Training Program During 

Fiscal Year 2011 77

Veterans with Serious Employment Handicaps at the End of Fiscal Year 2011 77

Vocational Rehabilitation and Employment Activities by Age Fiscal Year 2011 78

Vocational Rehabilitation and Employment Outcomes Fiscal Year 2011 79

Vocational Rehabilitation and Employment Activities by Branch of Service Fiscal 

Year 2011 80

Vocational Rehabilitation and Employment Activities by Period of Service Fiscal 

Year 2011 80

Vocational Rehabilitation and Employment Activities by Combined Service-Connected 

Disability Rating Fiscal Year 2011 81

Vocational Rehabilitation and Employment Activities by Length of Service Fiscal 

Year 2011 81

Department of Veterans Affairs

Veterans Benefits Administration

810 Vermont Avenue N.W.

Washington, D.C. 20420

Internet Homepage http://www.vba.va.gov

Department of Veterans Affairs

Veterans Benefits Administration

810 Vermont Avenue N.W.

Washington, D.C. 20420