To care for him

who shall have borne 

the battle and for 

his widow, and 

his orphan 

- Abraham Lincoln

Department of Veterans Affairs

Veterans Benefits Administration

Annual

Benefits

Report

Fiscal Year

2009

Making a difference
Our mission is to provide benefits 

and services to Veterans and 

their families in a responsive, 

timely, and compassionate 

manner in recognition of their 

service to the Nation.

Purpose of this Report

The purpose of the Annual Benefits Report (ABR) 

is to clearly summarize the benefit programs delivered by VBA. 

This report is intended to accomplish the following:

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

which Veterans and their dependents use these benefits; 

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

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

families, the Federal government, and the Nation. 

Annual Benefits Report FY 2009

Images on the cover:

Site - U.S. Army photo by Spc. Richard Del Vecchio 

U.S. Marine Corps photo by Sgt. Freddy G. Cantu 
Veterans Benefits Administration Making a difference i

Table of Contents

Contributors

Compensation and Pension Service

Education Service

Insurance Service

Loan Guaranty Service

Vocational Rehabilitation and 

Employment Service

Table of Contents

1 Mission, Vision, and Core Values

1 Mission, Vision, and Core Values

2 Purpose and Overview

2	 Purpose of VBA’s Annual Benefits Report

3 Compensation and Pension

3	 Current Benefits

5 Quick Reference Guide

6 Data

7 Disability Compensation

19 Dependency and Indemnity Compensation

21 Disability Pension

23 Death Pension

25 Fiduciary Program

26 Education

26	 Current Benefits

26 Education Programs

29 Quick Reference Guide

31 Data

35 Additional Education Opportunities

36	 Beneficiary Characteristics

37 Insurance

37	 Current Benefits

38 Quick Reference Guide

40 Data

51 Loan Guaranty 

51 Program Objectives

51	 Current Benefits

52 Specially Adapted Housing Program (SAH) 

53 Quick Reference Guide

54 Data 
ii Annual Benefits Report FY 2009 Table of Contents

61 Vocational Rehabilitation and Employment

62 Vocational Rehabilitation and Employment Program 

Enhancements

63 Quick Reference Guide

64 Data

69 Appendices 

A1	 VBA Regional Office Mailing Addresses

B1 Contact VA by Phone

C1 Glossary

D1 Internet References

E1	 Summary of Fiscal Year 2009 Benefits

Index

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

Values

VETERANS BENEFITS 

ADMINISTRATION

Mission, Vision, and 

Core Values

We are the Veterans Benefits Administration, one of the three 

Administrations forming the U.S. Department of Veterans Affairs 

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

servicemembers, and their families.

Mission, Vision, and 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.

Core Values

 Veterans have earned our 

respect and are our reason 

for being, our common 

purpose. All our efforts are 

directed toward meeting 

their needs.

 We are committed to 

communicating with our 

Veterans and employees 

in a timely, thorough, 

accurate, understandable, 

and respectful manner.

 We listen to the concerns 

and views of Veterans and 

our employees to bring 

about improvement in 

benefits and services, and

the climate in which they 

are provided.

 We value understandable 

business processes that 

consistently produce 

positive results.

 We foster an environment 

that promotes personal 

and corporate initiative, 

risk‐taking, and teamwork.

 We are open to change and 

flexible in our attitudes.

 Respect, integrity, trust, 

and fairness are hallmarks 

of all our interactions.

 We value a culture where 

everyone is involved, 

accountable, respected, 

and appreciated.

 We will perform at 

the highest level of 

competence, always, 

and take pride in 

accomplishment.

 We are a “can do” 

organization.
2 Annual Benefits Report FY 2009 Purpose and Overview

Purpose and Overview

Purpose of VBA’s Annual Benefits Report

The Annual Benefits Report (ABR) clearly summarizes the benefit 

programs delivered by VBA, identifies the current level of program 

participation by eligible persons, and profiles the beneficiaries.

The report is intended to accomplish the following:

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

which Veterans and their dependents use these benefits;

 Provide insights into the nature of the benefit programs;

 Portray the expenditures associated with VBA programs.

A complete discussion of VBA’s performance in administering 

these programs is contained in the Department’s Fiscal 

Year 2009 Performance and Accountability Report, dated 

November 2009. The document can be accessed through this 

electronic link: http://www.va.gov/budget/report/. Program goals 

and objectives are detailed in VA’s annual performance plans. The 

VA Strategic Plan 2006‐2011 can be found on the Department’s 

website: www.va.gov/op3.

Veterans Benefits Overview

The Veterans Benefits Administration is one of three 

administrations comprising the Department of Veterans Affairs. 

VBA is responsible for administering and delivering an array of 

federally authorized benefits and services to eligible Veterans and 

their dependents and survivors.

With annual expenditures over $47 billion, VBA programs have 

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

on the whole of American society. These are programs that touch 

millions of lives in fundamental ways. Benefits and services 

administered by VBA fall under five business lines:

COMPENSATION AND PENSION

EDUCATION

INSURANCE

LOAN GUARANTY

VOCATIONAL REHABILITATION AND EMPLOYMENT

Veterans’ benefits represent 

an integral part of American 

history. Knowledge of benefits 

history is important for all 

those who are interested in a 

comprehensive understanding 

of what VBA does and why. 

A more general discussion 

of VA and Veterans’ benefits 

from a historical perspective 

can be found in VA Pamphlet 

80-97-2, VA History in Brief, 

September 1997. This pamphlet 

is on the VA Home Page: 

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

feature/history/index.asp. 

For the latest copy of the 

pamphlet entitled 

Benefits for Veterans 

and Dependents, go to: 

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

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

Compensation and Pension

Current Benefits

Compensation Based Upon Service-Connected Disability or Death

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 varies according to the degree of disability and the 

number of dependents, and is paid monthly. The rate of compensation 

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

disabilities, from 10 percent to 100 percent disabling, in increments 

of 10 percent. Disabilities that are due to service but not disabling are 

given a 0 percent rating, and are not compensable unless a veteran 

is suffering from two or more separate permanent service-connected 

disabilities rated at 0 percent that interfere with normal employability. 

In those cases, compensation at the 10 percent 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 

A Note on the Data:

The 2009 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 2009, 

nearly 170,000 Veterans were 

paid compensation benefits

via BDN, while nearly 2.9

million were paid through 

VETSNET. The most noticeable

effect of reporting data from 

VETSNET is in the number of

disabilities for which Veterans 

are service‐connected. The 

BDN stored the six disabilities

with the highest evaluations, 

whereas the corporate 

database stores all disabilities 

for each Veteran. The tables 

containing information on the 

most prevalent disabilities 

by body system are the most 

affected by this change. 

Disabilities that are evaluated 

in higher numbers, but with 

lower evaluations now appear 

in some of the top three 

disabilities by body system 

lists in the charts on pages 14 

through 18.
4 Annual Benefits Report FY 2009 Compensation and Pension

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

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

needs-based program for financially dependent parents.

Pension Based Upon Non Service-Connected Disability or Death

Pension programs are designed to provide eligible Veterans and their 

survivors a level of income that raises their standard of living and 

sense of dignity. Wartime Veterans who are permanently and totally 

disabled, or who are age 65 or above and who meet minimum service 

requirements, may be eligible for a disability pension. Entitlement 

to disability pension is subject to income and net worth limitations. 

Additional amounts may be paid to a Veteran who has dependents or 

who is so disabled as to require the aid and attendance of another 

person, or is housebound. Benefits are also paid under two protected 

or “grandfathered” prior pension programs. The rates of protected 

pension are fixed at the amounts in effect when the programs were 

closed to new claims.

Surviving spouses and dependent children of wartime Veterans may 

be eligible for death pension benefits, subject to income and net worth 

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

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

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

Quick Reference Guide

Beneficiaries Who Began Receiving Benefits 

(Compensation, Pension, DIC) During Fiscal Year 

2009: 286,265 

Compensation – Disability 205,066

Compensation – Death 17,628

Pension – Disability 35,847

Pension – Death 27,724

Veterans Receiving Service-Connected Disability 

Benefits at the End of Fiscal Year 2009 by Period of 

Service

World War II 244,659

Korean Conflict 153,743

Vietnam Era 1,051,294

Gulf War Era 998,751

Peacetime 621,205

Most Prevalent Service-Connected Disabilities for 

Veterans Receiving Compensation at the End of 

Fiscal Year 2009

Tinnitus 639,029

Hearing loss 570,966

Scars, general 395,032

Post traumatic stress disorder 386,882

Diabetes mellitus 307,619

Traumatic arthritis 272,369

Hypertensive vascular disease 267,375

Impairment of the knee, general 263,257

Lumbosacral or cervical strain 236,485

Limitation of motion of the knee 210,762

Number of Veterans and Survivors Receiving 

Compensation and Pension Benefits at the End of 

Fiscal Year 2009 is 3,919,114 

3,069,652 Veterans received service-connected 

disability benefits

341,114 Survivors received service-connected 

death benefits

314,245 Veterans received non service‐connected 

disability benefits

194,103 Survivors received non service‐connected 

death benefits
6 Annual Benefits Report FY 2009

Compensation and Pension

Data

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits 

During Fiscal Year 2009

Benefit Program Number of People

Estimated Total 

Annual Amounts 

Estimated Average 

Annual Amounts 

Compensation – Disability 205,066 $1,594,162,260 $7,774 

Compensation – Death1 17,628 $251,838,800 $14,227 

Pension – Disability 35,847 $406,530,197 $11,340 

Pension – Death2 27,724 $220,147,175 $7,941 

Total 286,265 $2,472,678,432 $8,637 

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

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

Summary of Active Compensation and Pension Benefit Accounts 

at the End of Fiscal Year 2009

Benefit Program Number of People

Estimated Total 

Annual Amounts 

Estimated Average 

Annual Amounts 

Compensation – Disability 3,069,652 $34,102,951,214 $11,110

Compensation – Death1 341,114 $4,954,933,190 $14,526 

Pension – Disability 314,245 $3,065,236,745 $9,754

Pension – Death 194,103 $970,377,491 $4,999 

Total 3,919,114 $43,093,498,640 $10,996

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

Disability Compensation

Veterans Who Began Receiving Disability Compensation by Combined Degree During

Fiscal Year 2009

Combined 

Degree

Number of 

Veterans

Estimated Total 

Annual Amounts

Estimated Average 

Annual Amounts

0% 624 $713,064 $1,143 

10% 58,949 $87,167,934 $1,479 

20% 34,069 $100,933,548 $2,963 

30% 27,495 $133,634,448 $4,860 

40% 21,311 $150,476,106 $7,061 

50% 15,239 $150,538,632 $9,879 

60% 14,873 $188,189,292 $12,653 

70% 10,729 $172,638,348 $16,091 

80% 7,199 $135,818,772 $18,866 

90% 3,475 $74,281,596 $21,376 

100% 11,103 $399,770,520 $36,006 

Total 205, 066 $1,594,162,260 $7,774

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

Compensation by Fiscal Year

Combined Degree 2005 2006 2007 2008 2009

0% 504 505 521 551 624 

10% 46,264 47,667 52,949 53,374 58,949 

20% 31,347 30,989 33,702 33,024 34,069 

30% 22,898 23,264 25,851 26,368 27,495 

40% 17,311 18,234 20,748 20,539 21,311 

50% 11,880 11,745 14,004 14,513 15,239 

60% 9,736 10,229 13,009 13,849 14,873 

70% 6,863 6,879 9,316 10,031 10,729 

80% 3,733 3,847 5,580 6,233 7,199 

90% 1,671 1,718 2,384 2,927 3,475 

100% 8,145 7,728 9,653 9,909 11,103 

Total 160,352 162,805 187,717 191,318 205, 066
8 Annual Benefits Report FY 2009

Compensation and Pension

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

During Fiscal Year 2009

Disability Number of Veterans Percent of Total

Tinnitus 77,486 9.5%

Hearing loss 54,450 6.6%

Post traumatic stress disorder 33,129 4.0%

Lumbosacral or Cervical Strain 30,086 3.7%

Tendon inflammation 29,079 3.6%

Limitation of flexion, knee 27,578 3.4%

Degenerative Arthritis of the Spine 25,682 3.1%

Diabetes mellitus 23,508 2.9%

Scars, general 20,089 2.5%

Traumatic arthritis 18,334 2.2%

Total – Most Prevalent Disabilities 339,421 41.5%

Total – All Disabilities 818,954 100.0%

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

Compensation at the End of Fiscal Year 2009

Combined 

Degree

Number of 

Veterans

Estimated Total 

Annual Amounts

Estimated Average 

Annual Amounts 

0% 12,857 $12,542,364 $976 

10% 785,540 $1,168,066,254 $1,487 

20% 445,833 $1,317,403,230 $2,955 

30% 362,525 $1,820,773,200 $5,022 

40% 302,686 $2,198,221,896 $7,262 

50% 196,561 $2,010,469,674 $10,228 

60% 231,341 $3,687,150,138 $15,938 

70% 211,819 $5,032,881,726 $23,760 

80% 155,767 $4,133,833,168 $26,539 

90% 86,119 $2,526,097,271 $29,333 

100% 278,604 $10,195,512,294 $36,595 

Total 3,069,652 $34,102,951,214 $11,110 
Veterans Benefits Administration Making a difference 9Compensation and Pension

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

Compensation by Fiscal Year

Body System 2005 2006 2007 2008 2009

Percent 

Change 

2008-

2009*

Musculoskeletal System 194,331 206,588 270,949 286,625 302,798 5.3%

Impairment of Auditory Acuity 88,366 92,407 112,421 118,935 135,701 12.4%

Skin 41,161 41,882 78,068 80,737 81,335 0.7%

Neurological Conditions 33,602 34,222 53,142 58,003 65,932 12.0%

Mental Disorders 33,308 32,838 42,936 49,315 53,226 7.3%

Respiratory System 21,903 22,582 33,456 38,165 41,769 8.6%

Digestive System 21,281 20,932 32,621 34,344 34,590 0.7%

Cardiovascular System 26,577 23,762 31,142 30,630 30,150 -1.6%

Genitourinary System 14,670 14,828 22,214 24,539 26,493 7.4%

Endocrine System 26,274 25,457 24,328 24,700 25,962 4.9%

Eye 5,529 5,562 8,152 8,862 9,272 4.4%

Gynecological Conditions 2,670 2,951 3,920 3,917 3,842 -2.0%

Dental and Oral Conditions 1,868 1,823 3,236 3,649 3,786 3.6%

Hemic and Lymphatic Systems 1,814 1,545 2,018 2,136 2,387 10.5%

Infectious Diseases, Immune 

Disorders, and Nutritional 

Deficiencies 2,705 2,476 1,756 1,680 1,711 1.8%

Total 516,059 529,855 720,359 766,237 818,954 6.4%

*Note: The percent change from 2008 to 2009 is used because of the database changes discussed on page 3.
10 Annual Benefits Report FY 2009 Compensation and Pension

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

Percent by Fiscal Year

Combined 

Degree 2005 2006 2007 2008 2009

Percent Change 

2005-2009 

0% 14,750 14,291 13,790 13,318 12,857 -14.7%

10% 775,854 775,346 784,286 785,355 785,540 1.2%

20% 408,667 417,721 430,925 439,194 445,833 8.3%

30% 327,007 334,931 346,198 354,810 362,525 9.8%

40% 246,987 259,834 275,242 289,071 302,686 18.4%

50% 151,943 161,568 172,995 184,478 196,561 22.7%

60% 172,694 184,264 198,627 214,201 231,341 25.4%

70% 153,190 165,257 179,280 194,196 211,819 27.7%

80% 102,979 113,404 125,405 139,417 155,767 33.9%

90% 54,161 60,546 67,439 75,560 86,119 37.1%

100% 228,747 238,662 249,991 262,682 278,604 17.9%

Total 2,636,979 2,725,824 2,844,178 2,952,282 3,069,652 14.1%

Age of Veterans Who Began Receiving Service-Connected Compensation During Fiscal Year 2009

Age Number of Veterans

Estimated Total 

Annual Amounts Percent of Total 

34 and under 55,720 $384,780,144 27.2%

35 - 54 61,928 $515,373,227 30.2%

55 - 74 72,540 $566,882,375 35.4%

75 and over 14,878 $127,126,514 7.2%

Total 205,066 $1,594,162,260 100.0%

Age of Veterans Receiving Service-Connected Compensation at the End of Fiscal Year 2009

Age Number of Veterans

Estimated Total 

Annual Amounts Percent of Total

34 and under 294,986 $2,231,932,907 9.6%

35 - 54 919,356 $8,658,439,725 30.0%

55 - 74 1,341,967 $17,651,029,045 43.7%

75 and over 513,343 $5,561,549,537 16.7%

Total 3,069,652 $34,102,951,214 100.0%
Veterans Benefits Administration Making a difference 11Compensation and Pension

Individual Service-Connected Disabilities by Evaluation for Veterans 

Receiving Compensation at the End of Fiscal Year 2009

Evaluation Number of Disabilities

0% 3,795,838

10% 4,455,446

20% 1,073,279

30% 753,208

40% 256,257

50% 264,220

60% 163,801

70% 138,767

80% 12,583

90% 3,779

100% 259,661

Total 11,176,8391

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

combined evaluation, not as 100% disabled. 1Note: Total includes 2 unknowns

Frequency of Individual Service-Connected Disabilities by Body System for 

Veterans Receiving Compensation at the End of Fiscal Year2009

Body System

Number of Disabilities

Total

Percent 

of Total 

Musculoskeletal System 4,140,015 37.0%

Impairment of Auditory Acuity 1,350,484 12.1%

Skin 1,216,801 10.9%

Neurological Conditions and 

Convulsive Disorders 939,363 8.4%

Mental Disorders 718,368 6.4%

Digestive System 614,734 5.5%

Cardiovascular System 604,052 5.4%

Respiratory System 503,572 4.5%

Genitourinary System 379,961 3.4%

Endocrine System 344,402 3.1%

Eye 167,997 1.5%

Gynecological System 65,072 0.6%

Dental and Oral Conditions 50,556 0.5%

Infectious Diseases, Immune 

Disorders and Nutritional Deficiencies 47,539 0.4%

Hemic and Lymphatic Systems 33,921 0.3%

Total All Conditions 11,176,8391 100.0%

1Note: Total includes 2 unknowns

The following tables organize 

information according to the 

number of service‐connected 

disabilities and their separate 

evaluations. A “zero percent” 

service‐connected disability 

rating means a disability exists 

and is related to the Veteran’s 

service, but is not so disabling 

that it entitles the Veteran to 

compensation payments.
12 Annual Benefits Report FY 2009 Compensation and Pension

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

Body System 2005 2006 2007 2008 2009

Percent Change 

FY 2008-FY 20091

Musculoskeletal System 3,002,239 3,173,080 3,691,871 3,888,519 4,140,015 6.5%

Impairment of 

Auditory Acuity 822,413 908,676 1,124,454 1,223,590 1,350,484 10.4%

Skin 799,131 818,377 1,091,036 1,163,815 1,216,801 4.6%

Neurological Conditions 521,970 573,812 782,573 851,270 939,363 10.3%

Mental Disorders 520,497 551,056 629,475 661,015 718,368 8.7%

Digestive System 457,934 464,479 572,625 596,229 614,734 3.1%

Cardiovascular System 471,455 490,435 578,278 586,001 604,052 3.1%

Respiratory System 347,190 360,943 440,470 471,128 503,572 6.9%

Genitourinary System 214,036 231,307 306,055 315,051 379,961 20.6%

Endocrine System 247,324 276,094 324,490 350,401 344,402 -1.7%

Eye 121,443 125,770 155,032 161,460 167,997 4.0%

Gynecological Conditions 46,880 49,646 58,774 61,810 65,072 5.3%

Dental and 

Oral Conditions 32,211 33,327 43,982 47,506 50,556 6.4%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies 45,076 44,369 50,147 48,462 47,539 -1.9%

Hemic and 

Lymphatic Systems 25,988 26,980 31,319 32,139 33,921 5.5%

Total 7,675,787 8,128,351 9,880,581 10,458,396 11,176,8392 6.9%

1Note: The percent change from 2008 to 2009 is used because of the database changes discussed on page 3.

2Note: FY 09 Total includes 2 unknowns

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 percent of the 

total service-connected disabilities are rated at 

10 percent.
Veterans Benefits Administration Making a difference 13Compensation and Pension

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

2009 by Percent and Body System

Rating Musculoskeletal System Auditory Skin Neurological Conditions

0% 1,120,038 27.1% 507,603 37.6% 856,795 70.4% 146,318 15.6%

10% 2,097,993 50.7% 726,136 53.8% 308,300 25.3% 500,399 53.3%

20% 523,425 12.6% 34,123 2.5% 5,741 0.5% 128,092 13.6%

30% 168,128 4.1% 26,738 2.0% 34,500 2.8% 80,534 8.6%

40% 130,135 3.1% 18,772 1.4% 2,006 0.2% 38,451 4.1%

50% 19,911 0.5% 11,844 0.9% 3,473 0.3% 18,671 2.0%

60% 49,478 1.2% 6,380 0.5% 5,199 0.4% 10,083 1.1%

70% 4,112 0.1% 4,047 0.3% 23 0.0% 3,479 0.4%

80% 1,448 0.0% 4,035 0.3% 516 0.0% 3,564 0.4%

90% 985 0.0% 1,555 0.1% 4 0.0% 471 0.1%

100% 24,355 0.6% 9,249 0.7% 238 0.0% 9,301 1.0%

Total 4,140,015 37.0% 1,350,484 12.1% 1,216,801 10.9% 939,363 8.4%

Rating Mental Disorders Cardiovascular Digestive System Respiratory System

0% 21,266 3.0% 135,216 22.4% 367,356 59.8% 244,241 48.5%

10% 110,765 15.4% 260,047 43.1% 166,761 27.1% 117,241 23.3%

20% 440 0.1% 52,253 8.7% 25,882 4.2% 5,469 1.1%

30% 188,663 26.3% 79,608 13.2% 31,512 5.1% 57,360 11.4%

40% 285 0.0% 16,125 2.7% 6,793 1.1% 1,098 0.2%

50% 142,252 19.8% 1,243 0.2% 1,006 0.2% 49,868 9.9%

60% 179 0.0% 38,328 6.3% 6,368 1.0% 14,025 2.8%

70% 124,739 17.4% 157 0.0% 170 0.0% 106 0.0%

80% 30 0.0% 67 0.0% 266 0.0% 157 0.0%

90% 3 0.0% 15 0.0% 1 0.0% 2 0.0%

100% 129,746 18.1% 20,992 3.5% 8,619 1.4% 14,004 2.8%

Total 718,368 6.4% 604,052 5.4% 614,734 5.5% 503,572 4.5%

Rating Genitourinary System Endocrine System Eye Gynecological System

0% 215,316 56.7% 8,753 2.5% 69,769 41.5% 26,019 40.0%

10% 38,194 10.1% 56,680 16.5% 42,703 25.4% 8,461 13.0%

20% 27,627 7.3% 253,140 73.5% 9,562 5.7% 142 0.2%

30% 25,849 6.8% 2,831 0.8% 29,764 17.7% 16,030 24.6%

40% 17,948 4.7% 16,265 4.7% 6,321 3.8% 515 0.8%

50% 32 0.0% 43 0.0% 2,231 1.3% 13,375 20.6%

60% 25,728 6.8% 3,991 1.2% 1,420 0.8% 138 0.2%

70% 7 0.0% 13 0.0% 1,653 1.0% 3 0.0%

80% 2,208 0.6% 16 0.0% 174 0.1% 41 0.1%

90% 0 0.0% 8 0.0% 733 0.4% 0 0.0%

100% 27,052 7.1% 2,662 0.8% 3,667 2.2% 348 0.5%

Total 379,961 3.4% 344,402 3.1% 167,997 1.5% 65,072 0.6%
14 Annual Benefits Report FY 2009 Compensation and Pension

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

2009 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% 36,762 77.3% 27,692 54.8% 12,694 37.4% 3,795,838 34.0%

10% 3,913 8.2% 15,384 30.4% 2,452 7.2% 4,455,446 39.9%

20% 918 1.9% 4,491 8.9% 1,973 5.8% 1,073,279 9.6%

30% 1,555 3.3% 2,056 4.1% 8,079 23.8% 753,208 6.7%

40% 655 1.4% 648 1.3% 240 0.7% 256,257 2.3%

50% 42 0.1% 216 0.4% 13 0.0% 264,220 2.4%

60% 2,109 4.4% 11 0.0% 364 1.1% 163,801 1.5%

70% 8 0.0% 2 0.0% 248 0.7% 138,767 1.2%

80% 54 0.1% 2 0.0% 5 0.0% 12,583 0.1%

90% 1 0.0% 0 0.0% 1 0.0% 3,779 0.0%

100% 1,522 3.2% 54 0.1% 7,852 23.1% 259,661 2.3%

Total 47,539 0.4% 50,556 0.5% 33,921 0.3% 11,176,839 100%

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Musculoskeletal System

Traumatic arthritis 272,369 6.6%

Impairment of the knee, general 263,257 6.4%

Lumbosacral or Cervical Strain 236,485 5.7%

Endocrine System

Diabetes mellitus 307,619 89.3%

Hypothyroidism 21,830 6.3%

Hyperthyroidism 6,346 1.8%

Impairment of 

Auditory Acuity

Tinnitus 639,029 47.3%

Hearing loss 604,097 44.8%

Otitis media, chronic (ear infection) 21,067 1.8%

Genitourinary System

Penile deformity (loss of erectile power) 110,393 29.1%

Malignant growths of genitourinary system 57,456 15.1%

Prostate gland injuries 41,906 11.0%

Skin

Scars, general 395,032 32.5%

Scars, superficial (tender) 187,952 15.4%

Eczema 170,140 14.0%
Veterans Benefits Administration Making a difference 15Compensation and Pension

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Eye

Vision in 1 eye 20/100, 20/70 or 20/50; 20/40 in other 16,294 9.7%

Conjunctivitis, chronic 13,577 8.1%

Unhealed eye injury 11,680 7.0%

Neurological

Paralysis of the sciatic nerve 192,177 20.5%

Migraine 149,397 15.9%

Paralysis of the median nerve 135,882 14.5%

Gynecological System

Removal of uterus 13,181 20.3%

Removal of uterus and both ovaries 12,317 18.9%

Benign growths of gynecological system or breast 6,701 10.3%

Mental Disorders

Post traumatic stress disorder 386,882 53.9%

Major depressive disorder 76,070 10.6%

Generalized anxiety disorder 53,831 7.5%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies

Malaria 31,388 66.0%

Chronic fatigue syndrome 4,124 8.7%

HIV-Related Illness 3,331 7.0%

Cardiovascular System 

Hypertensive vascular disease 267,375 44.3%

Residuals of cold injury 74,268 12.3%

Arteriosclerotic heart disease (coronary artery disease) 71,721 11.9%

Dental and Oral Conditions

Limited motion of the jaw 28,995 57.4%

Malunion of lower jaw 8,603 17.0%

Jaw condition - general 3,940 7.8%

Digestive System

Hemorrhoids 172,015 28.0%

Hiatal hernia 127,587 20.8%

Inguinal hernia 61,340 10.0%

Hemic and Lymphatic 

Systems

Anemia 7,402 21.8%

Splenectomy (removal of spleen) 7,123 21.0%

Non-Hodgkin's lymphoma 5,860 17.3%

Respiratory System

Allergic rhinitis 75,118 14.9%

Bronchial asthma 73,689 14.6%

Sleep Apnea Syndromes (Obstructive, Central, Mixed) 57,679 11.5%

(continued)
16 Annual Benefits Report FY 2009 Compensation and Pension

Most Prevalent Disabilities for Veterans Receiving Compensation at the End of Fiscal Year 2009

Body System Disability

Number of 

Veterans

All Conditions 

FY 2009 

(Percent of Total)

Impairment of Auditory Acuity Tinnitus 639,029 5.7%

Impairment of Auditory Acuity Hearing loss 570,966 5.1%

Skin Scars, general 395,032 3.5%

Mental Disorders Post traumatic stress disorder 386,882 3.5%

Endocrine System Diabetes mellitus 307,619 2.8%

Musculoskeletal System Traumatic arthritis 272,369 2.4%

Cardiovascular System Hypertensive vascular disease 267,375 2.4%

Musculoskeletal System Impairment of the knee, general 263,257 2.4%

Musculoskeletal System Lumbosacral or Cervical Strain 236,485 2.1%

Musculoskeletal System Limitation of flexion, knee 210,762 1.9%

Veterans Receiving Service-Connected Disability Benefits at the End of Fiscal Year 2009

Period 

of Service

Number of 

Veterans

Estimated Total 

Annual Amounts

Estimated Average 

Annual Amounts

World War II 244,659 $2,526,454,200 $10,326

Korean Conflict 153,743 $1,638,451,776 $10,657

Vietnam Era 1,051,294 $15,312,522,930 $14,565

Gulf War 998,751 $8,998,141,394 $9,009

Peacetime Era 621,205 $5,627,380,914 $9,059

Total 3,069,652 $34,102,951,214 $11,110
Veterans Benefits Administration Making a difference 17Compensation and Pension

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2009

Period of Service Disability Number of Disabilities Percent of Total

World War II

Hearing loss 55,815 10.0%

Tinnitus 39,705 7.1%

Residuals of cold injury 32,646 5.9%

Scars, general 22,820 4.1%

Post traumatic stress disorder 22,500 4.0%

Generalized anxiety disorder 18,142 3.3%

Traumatic arthritis 12,868 2.3%

Scars, superficial (tender) 12,554 2.3%

Flatfoot, acquired 9,817 1.8%

Scars, head, face or neck 8,712 1.6%

Korean Conflict

Hearing loss 45,605 12.7%

Tinnitus 37,322 10.4%

Residuals of cold injury 22,617 6.3%

Scars, general 14,290 4.0%

Post traumatic stress disorder 12,360 3.4%

Scars, superficial (tender) 7,646 2.1%

Traumatic arthritis 6,599 1.8%

Scars, head, face or neck 5,593 1.6%

Duodenal ulcer 5,442 1.5%

Impairment of the knee, general 4,734 1.3%

Vietnam Era

Diabetes mellitus 263,891 7.4%

Post traumatic stress disorder 247,486 6.9%

Hearing loss 232,583 6.5%

Tinnitus 214,342 6.0%

Scars, general 146,099 4.1%

Paralysis of the sciatic nerve 125,475 3.5%

Penile deformity (loss of erectile power) 80,262 2.2%

Hypertensive vascular disease 78,959 2.2%

Impairment of the knee, general 61,757 1.7%

Paralysis of the median nerve 60,461 1.7%
18 Annual Benefits Report FY 2009 Compensation and Pension

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2009

Period of Service Disability Number of Disabilities Percent of Total

Gulf War

Tinnitus 255,420 5.3%

Lumbosacral or Cervical Strain 172,198 3.6%

Tendon inflammation 155,335 3.2%

Limitation of flexion, knee 152,327 3.2%

Scars, general 147,769 3.1%

Traumatic arthritis 144,456 3.0%

Hearing loss 138,723 2.9%

Limitation of motion of the ankle 131,981 2.7%

Hypertensive vascular disease 129,098 2.7%

Degenerative Arthritis of the Spine 121,763 2.5%

Peacetime Periods

Hearing loss 98,240 5.3%

Tinnitus 92,240 5.0%

Impairment of the knee, general 77,298 4.2%

Scars, general 64,054 3.5%

Traumatic arthritis 55,945 3.0%

Hypertensive vascular disease 52,857 2.8%

Limitation of motion of the ankle 39,433 2.1%

Hemorrhoids 37,678 2.0%

Condition of The Skeletal System 36,635 2.0%

Degenerative arthritis 33,932 1.8%

Service-Connected Disabilities at the End of Fiscal Year 2009 by Period of Service

Period

of Service World War II

Korean 

Conflict

Vietnam 

Era

Gulf 

War 

Peacetime 

Periods

Total Number of Disabilities 557,128 360,291 3,569,406 4,835,206 1,854,808 

Average Number of Disabilities per Veteran 2.3 2.3 3.4 4.8 3.0

Veterans Receiving Compensation 244,659 153,743 1,051,294 998,751 621,205 

Total Veteran Population 2,024,314 2,175,549 7,028,704 5,149,904 5,891,841

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2009 (continued)
Veterans Benefits Administration Making a difference 19Compensation and Pension

Dependency and Indemnity Compensation

Dependency and Indemnity Compensation (DIC) is 

payable to survivors of servicemembers who died 

while on active duty, or of Veterans who died from 

service-connected disability.

This section provides information about surviving 

spouses, children, and parents who received DIC 

during Fiscal Year 2009.

Beneficiaries Who Began Receiving DIC by Fiscal Year

Type of Benefit 2005 2006 2007 2008 2009

Surviving Spouses 17,480 15,993 17,140 16,968 16,125

Surviving Children 1,396 1,248 1,124 1,238 1,103

Surviving Parents 286 220 226 251 400

Total 19,162 17,461 18,490 18,457 17,628

Beneficiaries Receiving DIC by Relationship at the End of Fiscal Year 2009

Relationship Beneficiaries Number Percent

Surviving Spouse 324,452 95.1%

Child 10,015 2.9%

Parent 6,647 2.0%

Total 341,114 100.0%

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2009

Age Number of Beneficiaries

Estimated Total 

Annual Amounts Percent of Total

35 and under 434 $8,665,724 2.7%

36 - 55 2,413 $39,222,259 15.0%

56 - 75 8,860 $129,842,465 54.9%

Over 75 4,418 $66,853,114 27.4%

Total 16,125 $244,583,562 100.0%

Age of Children Who Began Receiving DIC Benefits During Fiscal Year 2009

Children’s Age Number of Beneficiaries

Estimated Total 

Annual Amounts

Under Age 18 170 $919,354

Age 18 and over in School 666 $2,304,594

Age 18 and over – Helpless 267 $1,787,467

Total 1,103 $5,011,415

Note: Includes 173 consolidated awards that account for more than one child.
20 Annual Benefits Report FY 2009 Compensation and Pension

Beneficiaries Receiving Service-Connected Death Benefits by Period of Service 

at the End of Fiscal Year 2009

Period of Service

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

Spanish American War 4 $11,166 $44,664

Mexican Border 1 $13,848 $13,848

World War I 592 $12,834 $7,597,624

World War II 92,116 $14,670 $1,351,340,088

Korean Conflict 36,240 $15,095 $547,059,425

Vietnam Era 157,390 $14,389 $2,264,638,502

Gulf War 20,517 $14,249 $292,348,432

Peacetime Periods 34,254 $14,360 $491,890,607

Total 341,114 $14,526 $4,954,933,190

Surviving Spouses Receiving DIC by Age at the End of Fiscal Year 2009

Age Number of Beneficiaries Estimated Average Annual Amounts

Estimated Total 

Annual Amounts 

35 and Under 4,004 $18,137 $72,619,278

36 - 55 31,621 $15,270 $482,861,502

56 - 75 138,774 $14,661 $2,034,613,236

Over 75 150,053 $15,115 $2,268,001,710

Total 324,452 $14,973 $4,858,095,726

Children Receiving DIC by Age at the End of Fiscal Year 2009

Age Number of Beneficiaries Estimated Average Annual Amounts

Estimated Total

 Annual Amounts

Under Age 18* 1,255 $5,507 $6,911,210

Age 18 and over 

– in School 390 $3,608 $1,407,974

Age 18 and over 

– Helpless 7,626 $7,549 $57,566,082

Total 9,271 $7,107 $65,885,266

*Note: Includes 1,945 consolidated awards that account for more than one child.
Veterans Benefits Administration Making a difference 21Compensation and Pension

Disability Pension

Disability pension is payable to certain wartime 

Veterans who are permanently and totally disabled, 

or age 65 and older. Disabilities for pension claims 

are evaluated in the same manner as disabilities 

for compensation claims (using the VA Schedule for 

Rating Disabilities in Title 38, U.S. Code of Federal 

Regulations, Part 4). 

The category called “Other Pension Programs” 

consists of two older pension programs—“Old Law” 

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

these programs, it does not accept new applications 

for them. If a beneficiary ever loses entitlement to

these older pension programs due to changes in 

circumstances (for example, a change in income),

the beneficiary must establish entitlement to pension

under the rules of the current program.

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2009

Type of Pension

Number of 

Veterans

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

PL 95-588

New Law Pension 35,844 $11,341 $406,520,288

Other Pension Programs 3 $3,303 $9,909

Total 35,847 $11,340 $406,530,197

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.

Veterans Receiving Disability Pension at the End of Fiscal Year 2009

Type of Pension

Number of 

Veterans

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

Protected (Old Law) 

Pension 58 $1,032 $59,828

Section 306 Pension 4,983 $1,639 $8,165,196

PL 95-588 

New Law Pension 309,204 $9,887 $3,057,011,721 

Total 314,245 $9,754 $3,065,236,745
22 Annual Benefits Report FY 2009 Compensation and Pension

Disability Pension by Period of Service at the End of Fiscal Year 2009

Period 

of Service

Other Pension -

 Number of Beneficiaries

New Law Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated Total 

Annual Amounts 

Paid

World War II 2,774 81,281 84,055 $849,423,707

Korean Conflict 1,672 57,407 59,079 $436,846,661

Vietnam Era 595 162,310 162,905 $1,685,031,985

Gulf War 0 8,206 8,206 $94,044,392

Total 5,041 309,204 314,245 $3,065,236,745

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 2009 by Age

Age

Other 

Pension

New Law 

Pension

Combined 

Programs

Estimated Total 

Annual Amounts 

Paid

Percent 

of Total

35 and under 0 238 238 $2,729,206 0.6%

36 - 55 0 4,175 4,175 $45,010,043 11.7%

56 - 75 0 12,709 12,709 $116,266,559 35.5%

Over 75 3 18,722 18,725 $242,524,389 52.2%

Total 3 35,844 35,847 $406,530,197 100.0%

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.

Veterans Receiving Disability Pension at the End of Fiscal Year 2009 by Age

Age Number of Veterans

Estimated Total 

Annual Amounts Paid 

Under 45 5,844 $67,320,514

45 - 54 22,335 $247,191,126

55 - 69 140,574 $1,446,547,625

70 - 84 89,761 $704,809,787

85 and over 55,731 $599,367,693

Total 314,245 $3,065,236,745
Veterans Benefits Administration Making a difference 23Compensation and Pension

Death Pension

The death pension program provides income support 

to surviving spouses and dependent children of 

wartime Veterans who are experiencing financial

hardship. Laws establish income limits and regulate 

the rates of payment. Death pension is paid under 

the current pension program as well as under the two 

“grandfathered” prior programs.

Beneficiaries Who Began Receiving Death Pension During Fiscal Year 2009 by Program

Type of Pension

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

PL 95-588 – New Law Pension 27,697 $7,948 $220,126,091

Other Pension Programs 27 $781 $21,084

Total 27,724 $7,941 $220,147,175

Beneficiaries Receiving Death Pension by Program at the End of Fiscal Year 2009

Type of Pension Number of Beneficiaries

Estimated Total 

Annual Amounts 

Protected (Old Law) Pension 182 $132,739

Section 306 Pension 27,500 $29,100,151

PL 95-588 New Law Pension 166,421 $941,144,601

Total 194,103 $970,377,491

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 2009 by Age

Age

Other 

Pension*

New Law 

Pension

Combined 

Programs

Estimated Total 

Annual Amounts

Percent of 

Total

35 and under 0 45 45 $345,552 0.2%

36 - 55 0 1,497 1,497 $10,364,589 5.4%

56 - 75 1 4,078 4,079 $23,146,295 14.8%

Over 75 6 21,852 21,858 $185,804,592 79.5%

Total 7 27,472 27,479 $219,661,028 100.0%

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.
24 Annual Benefits Report FY 2009 Compensation and Pension

Surviving Spouses Receiving Death Pension at the End of Fiscal Year 2009 by Age

Age Other Pension* New Law Pension All Pension Programs

Estimated Total 

Annual Amounts Paid 

35 and Under 3 195 198 $1,463,395

36 - 55 59 11,571 11,630 $85,315,147

56 - 75 1,793 41,523 43,316 $222,200,315

Over 75 17,043 108,781 125,824 $647,129,481

Total 18,898 162,070 180,968 $956,108,338

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.

Death Pension by Period of Service at the End of Fiscal Year 2009

Period of Service

Other Pension - 

Number of Beneficiaries

New Law Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated Total 

Annual Amounts 

Paid

Wars of 1800s* 111 93 204 $798,547

World War I 2,963 3,224 6,187 $17,850,729

World War II 21,569 116,758 138,327 $678,616,376

Korean Conflict 2,569 24,826 27,395 $124,830,075

Vietnam Era 470 20,995 21,465 $144,624,942

Gulf War 0 525 525 $3,656,821

Total 27,682 166,421 194,103 $970,377,491

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

one category.

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

Fiduciary Program

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

incompetent VA beneficiaries and ensuring that their welfare and needs

are met. Program responsibilities include selecting and monitoring a 

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

section provides information about fiduciaries with VA beneficiaries.

Number of Beneficiaries by Payee Type

Payee Type Number of Beneficiaries

Veteran 67,158

Surviving Spouse 15,365

Adult Disabled Child 18,805

Minor Child 2,781

Dependent Parent 111

Total 104,220

Source: FBS

Relationship of Fiduciary

Relationship Number

Legal Custodian 73,989

Spouse 14,860

Court-appointed Fiduciary 10,040

Institutional 2,644

Supervised Direct Payment 2,681

Supt. of Indian Reservation 6

Total 104,220

Source: Coin DOOR 7009 

Public Law 108-454, The Veterans Benefits Improvement Act of 2004,

requires specific information be provided in this report. VA Fiduciary

personnel conducted 669 misuse investigations that totaled 3,703 

hours and resulted in 56 cases where the fiduciary was changed by the

Secretary because of a finding that benefits had been misused.

In compliance with this law, additional information will be provided as 

soon as it is available via an update to the web based version of this 

report.
26 Annual Benefits Report FY 2009 Education

Education

Current Benefits

There are seven active education programs:

 All-Volunteer Force Educational Assistance Program (Montgomery 

GI BiII-Active Duty), 

 Post-9/11 Veteran’s Educational Assistance Program 

(Post-9/11 GI Bill), 

 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 the 

 National Call to Service Program (NCS).

Education Programs

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 a honorable discharge;

 Maximum entitlement is 36 months.

VA Education programs provide 

Veterans, servicemembers, 

reservists, and certain family 

members of Veterans with 

educational resources to 

supplement opportunities 

missed because of military 

service. These programs are 

also meant to help the armed 

forces 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 27Education

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 new 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

	Release from the Armed Forces with service 

characterized as honorable and placed on 

the retired list, temporary disability retired 

list, or transferred to the Fleet Reserve or 

the Fleet Marine Corps Reserve; or

	Release from armed forces with service 

characterized as honorable for further 

service in a reserve component; or

	Discharge or release from Armed Forces for 

a medical condition which existed prior to

service (EPTS), or

	Hardship (HDSP), or

	A condition which interfered with duty 

(CIWD); or

	Continue on active duty.

 Basic benefits include tuition and fees, monthly

housing allowance, and a books and

supplies stipend.

 Generally receive 36 months of full-time 

education benefits.

 Generally, 15 years to use benefits.

 Eligible to transfer educational benefit to

dependent if individual meets Department of 

Defense eligibility criteria.

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.

Survivors’ and Dependents’ Educational 

Assistance (DEA)

DEA is a VA educational assistance program 

designed for individuals that have never served in the 

armed forces. Features and requirements of DEA are 

as follows:

 Eligibility is based on the Veteran’s 

service‐connected death, total 

service‐connected disability, or MIA / POW / 

Hostage status;

 Maximum entitlement is 45 months;

 Children generally have eight years in which to 

use benefits;

 With some exceptions, children must be

between ages 18 and 26;

 Spouses generally have 10 years in which to 

use benefits and 20 years if the Veteran dies on

active duty or if Veteran receives a permanent 

and total rating within 3 years of release from 

active duty;

 A spouse loses entitlement if they remarry 

before age 57 but may have entitlement 

restored if the remarriage terminates by death 

or divorce;

 Effective December 22, 2006, the program 

was expanded to grant eligibility to spouses

and children of servicemembers who are 

hospitalized or receiving outpatient care for 

a permanent and total disability while still on 

active duty.
28 Annual Benefits Report FY 2009 Education

Post-Vietnam Era Veteran’s 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 provides educational assistance to members 

of the National Guard and Reserves who serve on

active duty in support of a contingency operation 

under federal authority on or after

September 11, 2001. Requirements and features 

of REAP are as follows:

 DoD determines eligibility to REAP; 

 Members who served on active duty 

beginning on or after September 11, 2001;

 Must have served on active duty in support 

of a contingency operation under federal 

authority for a minimum of

90 consecutive days;

 Maximum full-time entitlement is 36 months;

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

enlistment rate.

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 fifty percent of

the less than 3-year monthly Chapter 30 rate 

for 36 months.
Veterans Benefits Administration Making a difference 29Education

Quick Reference Guide

Beneficiaries by Program by Fiscal Year

Program 2005 2006 2007 2008 2009 

MGIB-AD 336,347 332,184 343,751 354,284 341,969

Post 9/11 0 0 0 0 34,393

MGIB-SR 87,161 66,105 60,298 62,390 63,469

REAP 0 23,747 41,388 44,014 42,881

DEA 74,267 75,460 77,339 80,191 81,327

VEAP 723 627 568 560 448

Total 498,498 498,123 523,344 541,439 564,487

Source: Education Service SAS Reports.

New Education Beneficiaries by Program During Fiscal Year 2009

Program Number of Beneficiaries Percent of Total 

MGIB-AD1 54,066 42.8%

Post 9/11 34,393 27.2%

MGIB-SR2 15,922 12.6%

REAP 10,609 8.4%

DEA 11,289 8.9%

VEAP 47 0.0%

Total 126,326 100%

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

Source: Education Service SAS Reports and 

Benefits Delivery System Reports.

New Education Beneficiaries by Training Type and Program During Fiscal Year 2009

Education Program

College, 

Non-Degree Graduate Under-Graduate

Vocational/

Technical

Program 

Totals

Percent of 

All Programs

MGIB-AD 1 2,521 2,520 45,129 3,896 54,066 42.8%

POST-9/112 0 0 0 0 34,393 27.2%

MGIB-SR 3 431 406 14,609 476 15,922 12.6%

REAP 287 271 9,734 317 10,609 8.4%

DEA 630 307 9,483 869 11,289 8.9 %

VEAP 5 8 32 2 47 0.0%

Type Training Totals 3,874 3,512 78,987 5,560 126,326 100%

Percent of 

Program Totals 3.1% 2.8% 62.5% 4.4%

1MGIB-AD Includes Peacetime Veterans and servicemembers. 2Training type data for Post-9/11 Beneficiaries is not currently available.

3Based on service in the Selected Reserve.

Source: Education Service SAS Reports and Benefits Delivery 

System Reports.
30 Annual Benefits Report FY 2009 Education

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 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.
Veterans Benefits Administration Making a difference 31Education

Data

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2009

Program

New 

Beneficiaries

Percent of 

Total Total Beneficiaries Total Payments

MGIB-AD1 54,066 42.8% 341,969 $2,564,808,160.00

MGIB-SR2 15,922 12.6% 63,469 $157,921,175.18

Post-9/11 34,393 27.2% 34,393 $63,543,141.00

REAP 10,609 8.4% 42,881 $198,225,330.00

DEA 11,289 8.9% 81,327 $597,938,032.00

VEAP 47 0.0% 448 $566,166.00

Total3 126,326 100.0% 564,487 $3,583,479,874.00 

1MGIB-AD Includes Peacetime Veterans and servicemembers.

2Based on service in the Selected Reserve.

3Cost difference is based on the inclusion of the Education Assistance Test Program dollars (Section 901).

Source: Education Service SAS Reports, Benefits Delivery System Reports, and HINES Finance Center Reports.
32 Annual Benefits Report FY 2009 Education

Beneficiaries Who Began Receiving Education Benefits by Fiscal Year

Program 2005 2006 2007 2008 2009

MGIB-AD1 68,414 62,184 68,246 82,004 54,066 

Post-9/11 0 0 0 0 34,393

MGIB-SR2 19,589 11,056 13,424 13,833 15,922 

REAP 0 23,746 9,214 10,079 10,609 

DEA 11,047 5,569 11,129 12,999 11,289

VEAP 155 93 96 86 47

Total 99,205 102,648 102,109 119,001 126,326

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

Source: Education Service SAS reports.

Beneficiaries Who Received Education Benefits by Fiscal Year

Program 2005 2006 2007 2008 2009

MGIB-AD1 336,347 332,184 343,751 354,284 341,969

Post-9/11 0 0 0 0 34,393

MGIB-SR2 87,161 66,105 60,298 62,390 63,469

REAP 0 23,747 41,388 44,014 42,881

DEA 74,267 75,460 77,339 80,191 81,327

VEAP 723 627 568 560 448

Total 498,498 498,123 523,344 541,439 564,487 

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

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

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

During Fiscal Year 2009

Education 

Program

College

Vocational/ 

Technical

Program 

Totals

Percent 

of All 

Non-Degree Graduate Programs

Under 

Graduate

MGIB-AD1 2,521 2,520 45,129 3,896 54,066 42.8%

Post-9/112 0 0 0 0 34,393 27.2%

MGIB-SR3 431 406 14,609 476 15,922 12.6%

REAP 287 271 9,734 317 10,609 8.4%

DEA 630 307 9,483 869 11,289 8.9%

VEAP 5 8 32 2 47 0.0%

Type Training Totals 3,874 3,512 78,987 5,560 126,326 100.0%

Percent of 

Program Totals 3.1% 2.8% 62.5% 4.4%

1MGIB-AD Includes Peactime Veterans and servicemembers.

2Training type data for Post-9/11 Beneficiaries is not currently available.

3Based on service in the Selected Reserve.

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

Beneficiaries Who Began Receiving Education Benefits By Training Time and Program 

During Fiscal Year 2009

Education 

Program

Training Time

Program 

Totals

Percent 

of All 

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

MGIB-AD1 2,519 7,160 7,728 36,659 54,066 42.8%

Post-9/112 0 0 0 0 34,393 27.2%

MGIB-SR 532 1,463 1,903 12,024 15,922 12.6%

REAP 354 975 1,268 8,012 10,609 8.4%

DEA3 438 1,091 1,273 8,487 11,289 8.9%

VEAP 5 14 5 23 47 0.0%

Training Time Totals 3,848 10,703 12,177 65,205 126,326 100.0%

Percent of 

Program Totals 3.0% 8.5% 9.6% 51.6%

1MGIB-AD includes peacetime Veterans and servicemembers.

2Training time data for Post-9/11 Beneficiaries is not currently available.

3DEA less than one-half time includes cooperative and correspondence training.

Source: Education Service SAS reports.
34 Annual Benefits Report FY 2009 Education

Beneficiaries Whose Benefits Terminated by Fiscal Year

Program 2005 2006 2007 2008 2009 

MGIB-AD 25,169 25,058 25,100 21,284 24,871 

Post-9/11 0 0 0 0 0

MGIB-SR 3,073 3,051 2,836 2,533 2,581 

REAP 0 0 0 0 0

DEA 811 408 973 992 747 

VEAP 94 50 37 45 34 

Total 29,147 28,567 28,946 24,854 28,233 

Note: Data on REAP not available; (Post-9/11 is a new educational assistance program).

Beneficiaries Whose Benefits Terminated by Reason During Fiscal Year 2009

Program

Entitlement

Exhausted

Delimiting

Date

Total

Terminations

Percent of Total

Terminations

MGIB-AD 19,943 4,928 24,871 88.1%

Post-9/11 0 0 0 0.0%

MGIB-SR 2,013 568 2,581 9.1%

REAP 0 0 0 0.0%

DEA 545 202 747 2.6%

VEAP 26 8 34 0.1%

Total 22,527 5,706 28,233 100%

Percent of Total Terminations 79.8% 20.2% 100%

Note: Data on REAP not available; (Post-9/11 is a new educational assistance program).
Veterans Benefits Administration Making a difference 35Education

Additional Education Opportunities

U.S. Army began a pilot program in July 2006, allowing qualifying Chapter 30 MGIB-AD eligible members 

to transfer up to 18 months of entitlement to their spouses. There were 591 eligible participants and 195 

beneficiaries in this program in fiscal year 2009, totaling over $1.63 million in payments.

Four additional ways have been created for beneficiaries to utilize their benefits. Beneficiaries may use

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

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

certification program.

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

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

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

for the course to be eligible for TATU payments. There was a 15 percent decrease in the number of unique 

trainees in fiscal year 2009 compared to fiscal year 2008.

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

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

he/she intends to seek employment in a high tech industry as defined by VA. The beneficiary receives a lumpsum payment up to 60 percent of tuition and fees if the monthly amount exceeds an amount equal to 200

percent of the monthly rate otherwise payable. Total payments under this program decreased by 38.3 percent 

in fiscal year 2009 compared to fiscal year 2008, which includes those beneficiaries receiving accelerated

payments under the MGIB-SR and REAP.

Unique Beneficiaries and Payments by Fiscal Year

2006 2007 2008 2009

Tuition 

Assistance 

Top-Up 13,245 $19,710 15,311 $24,710 14,223 $23,413 12,086 $21,423

License and 

Certification

Tests 2,971 $1,414 3,822 $1,961 3,846 $1,9732 3,329 $1,748

Accelerated 

Payment1 — $6,116 — $4,878 — $3,531 — $2,524

Total 16,216 $27,240 19,133 $31,549 18,069 $28,917 15,415 $25,695

Note: Dollar ($) amounts are in millions 1Unable to determine number of beneficiaries recieving accelerated payments. 2Corrected data.

Source: Education Service SAS reports.
36 Annual Benefits Report FY 2009 Education

Beneficiary Characteristics

The National Student Clearinghouse (Clearinghouse) completed an analysis that generated degree

completion characteristics of 5,000 beneficiaries. The sample consists of beneficiaries who used the

MGIB‐AD, MGIB-SR, and REAP programs.

Results showed that of those beneficiaries who were found within the Clearinghouse database, 29.3 percent

completed a degree or certificate. Further, statistics showed that of those that completed a degree or

certificate:

 58.5 percent completed a bachelors degree 

 25.9 percent completed a associate’s degree

 5.6 percent completed a certificate

In this assessment the five most prevalent degrees were in Criminal Justice, Business Administration, Political

Science, Management, and Nursing.
“Drafted men reporting for service.”

Drafted men reporting for service. Camp Travis,

San Antonio, Texas. 1917-1918. 

San Antonio Chamber of Commerce.

(War Dept.) 

WAR & CONFLICT BOOK #: 443

NARA - US National Archives

& Records Administration

Veterans Benefits Administration Making a difference 37Insurance

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 (available to all 

servicemembers and their families 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 

Veteran’s 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). 

America entered 

World War I in April 1917. 

The War Risk Insurance 

Act was amended 

on June 12, 1917, to 

cover merchant marine 

personnel. The Act 

was again amended 

on October 6, 1917, 

authorizing, for the 

first time, issuance of

government life insurance 

to members of the 

armed forces.

Over 4 million policies were 

issued during World War I. 

With each succeeding 

war, the government, 

through VA, continued to 

provide coverage to military 

members while on active 

duty and after separation.
38 Annual Benefits Report FY 2009 Insurance

Quick Reference Guide

Lives Insured

This table displays the number of lives insured and 

the face amount for both the administered and 

supervised insurance programs.

Benefits Paid

The table below displays the amount of death 

awards paid to beneficiaries of both the

administered and supervised insurance programs. 

It also displays the amount of dividends, loans, 

matured endowments, cash surrenders, and 

disability claims paid on administered policies.

Lives Insured by Fiscal Year

Lives Insured 2005 2006 2007 2008 2009

Face Amount 

($ in billions) $1,155 $1,114 $1,086 $1,088 $1,106

Veterans 

(Administered Programs) 1,434,806 1,346,836 1,261,559 1,176,794 1,096,335

Veterans (VMLI) 2,514 2,438 2,368 2,309 2,273

Veterans (VGLI) 417,500 428,019 430,636 431,281 429,271

Servicemembers (SGLI) 2,482,500 2,391,500 2,353,500 2,356,500 2,402,500

Spouses and Children 

(FSGLI) 3,064,000 3,099,000 3,075,000 3,104,000 3,168,000

Total Lives Insured 7,401,320 7,267,793 7,123,063 7,070,884 7,098,379

Source: Fiscal Year 2009 State of residency report; Fiscal Year 2009 Policy Exhibit.

Benefits Paid by Fiscal Year

Benefits 2005 2006 2007 2008 2009

Death Awards $1,928,795,079 $2,229,259,919 $2,484,514,176 $2,231,417,257 $2,322,113,344

Dividends $461,928,451 $421,581,323 $374,770,000 $338,082,018 $310,050,719

Loans Made $54,625,000 $61,029,000 $54,840,000 $49,128,000 $55,764,000

Matured Endowments $14,976,000 $16,612,895 $19,570,000 $23,152,871 $26,674,173 

Cash Surrenders $53,002,000 $54,622,116 $54,246,000 $50,822,227 $48,214,456

Disability Claims $18,075,000 $16,483,000 $15,025,000 $13,677,664 $12,154,054

Total $2,531,401,530 $2,799,588,253 $3,002,965,176 $2,706,280,037 $2,774,970,746

Source: Fiscal Year 2009 Policy Exhibit; Fiscal Year 2009 Statement of Operations and Changes in Net Position; Fiscal Year 2009 Statement

of Cash Flows.
Veterans Benefits Administration Making a difference 39Insurance

Death Awards

The tables below display the number and amount 

of death awards paid to beneficiaries of both the

administered and supervised insurance programs.

Death Awards (Number) by Fical Year

2005 2006 2007 2008 2009

Administered 103,083 99,883 97,869* 98,107 94,429 

Supervised 6,161 6,383 6,810 5,978 8,634 

Total 109,244 106,266 104,679 104,085 103,063 

Source: Fiscal Year 2009 Policy Exhibit. VMLI Database; Veterans and Reservists Group Insurance System – OSGLI Monthly Report.

*Corrected Data.

Death Awards (Amount) by Fiscal Year

2005 2006 2007 2008 2009

Administered $1,071,868,773 $1,069,085,161 $1,085,229,000 $1,102,596,782 $1,082,988,898 

Supervised $856,926,306 $1,160,174,758 $1,399,285,176 $1,128,820,475 $1,239,124,445 

Total $1,928,795,079 $2,229,259,919 $2,484,514,176 $2,231,417,257 $2,322,113,343 

Source: VMLI Database; Veterans and Reservists Group Insurance System – OSGLI Monthly Report Statement of Financing and Net Position

Number of Operations Processed on Administered Policies by Fiscal Year

2005 2006 2007 2008 2009

Loans 24,445 25,493 25,804 26,002 28,109

Cash Surrenders 12,525 12,914 12,276 10,980 10,371

Calls Answered 688,442 679,558 667,890 672,060 647,450

Correspondence 

Received 154,790 148,675 140,463 94,045 110,564

Change of Address 53,103 55,986 41,924 55,791 46,744

Online Loan 

Applications 849 1,166 1,199 1,560 1,939*

Total 934,154 923,792 889,556 860,438 843,238

Source: Distribution of Operational Resources 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.
40 Annual Benefits Report FY 2009 Insurance

Data

Programs That No Longer Issue Coverage

Matured Insurance Programs Years Maximum Coverage

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

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

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

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

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

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

Programs That Issue Coverage

Active Life Insurance Programs Year Maximum Coverage

Uniformed Services 

and Post-Vietnam 

Veterans’ Life 

Insurance

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

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 

1An additional $20,000 of supplemental coverage is available to totally disabled Veterans.
Veterans Benefits Administration Making a difference 41Insurance

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.

2009 Rankings by Total Life Insurance In-Force

Rank Company Total Life Insurance

1 Metropolitan Life $4,035,257,000,000 

2 Prudential of America Group $2,699,314,000,000 

3 Aegon USA Group $1,618,480,000,000 

4 ING USA Life Group $1,539,522,000,000 

5 Swiss Reinsurance Group $1,507,205,000,000 

6 RGA Group $1,483,486,000,000 

7 AIG Life Group $1,350,000,000,000 

8 VA Life Insurance Programs $1,324,703,000,000

9 Lincoln Financial Group $1,173,400,000,000

10 Northwestern Mutual Group $1,125,219,000,000 

11 New York Life Group $1,015,057,000,000 

12 Hartford Life Group $987,022,000,000 

13 Protective Life Corp $909,965,000,000 

14 Genworth Financial Group $835,004,000,000 

15 Great-West Life Group $805,664,000,000 

Source: Best’s Review, September 2009.
42 Annual Benefits Report FY 2009 Insurance

Coverage Established During Fiscal Year 2009

The table that follows identifies the number of new policies issued during Fiscal Year 2009, 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 2009

Insurance

Number of People 

Insured

Total Coverage 

Amount Average Face Value

Maximum Face 

Value

VMLI1 274 $22,618,192 $82,548 $90,000

SDVI2,3 14,550 $184,062,250 $12,650 $10,000

VGLI4 17,023 $5,293,020,000 $310,933 $400,000

FSGLI – Child5 214,750 $2,147,500,000 $10,000 $10,000

FSGLI – Spouse6 185,996 $18,356,676,420 $98,694 $100,000

SGLI5 226,400 $84,875,662,102 $374,892 $400,000

Total 658,993 $110,879,538,964 $168,256

1Source: VMLI Database – Fiscal Year 2009 Reserve File Data. 2Source: SDVI – Fiscal Year 2009 Policy Exhibit. State of

Residence.

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

disabled policyholders. New Supplemental SDVI policies (3,126)

were issued. 4Source: VGLI - Veterans and Reservists Group Insurance System – 

OSGLI Monthly Report. VGLI data is for the Fiscal Year 2009. 

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

and Reserve forces in Fiscal Year 2009. Data on accessions from 

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

maximum coverage for VGLI and SGLI increased to $400,000. 6Source: DEERS and Military Pay Records.
Veterans Benefits Administration Making a difference 43Insurance

New Life Insurance Coverage Issued by Fiscal Year

2005 2006 2007 2008 2009

Number 

of People 

Insured 648,720 703,815 706,184 713,625 658,993 

Total 

Coverage 

Amounts $129,060,812,226 $146,032,139,398 $144,756,899,292 $144,600,111,323 $110,879,538,964 

Average 

Face Values $198,947 $207,487 $204,985 $202,628 $168,256 

Source: VMLI Database – VMLI Quarterly Report.

Source: SDVI – Fiscal Year 2009 Policy Exhibit.

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

totally disabled policyholders. New supplemental SDVI policies 

(3,126) were issued.

Source: DEERS and Military Pay Records.

Source: Veterans and Reservists Group Insurance System – OSGLI 

Monthly Report. VGLI data is for Fiscal Year 2009. Estimates based 

upon accessions to Active Duty and Reserve forces in Fiscal Year 2009. 

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 2009

Policy Lapses Number1 Face Value1 Average Face Value

NSLI 5,184 $31,041,432 $5,988

VSLI 480 $3,743,250 $7,798

VRI 158 $833,250 $5,274

SDVI 1,197 $12,733,500 $10,638

Total 7,019 $48,351,432 $6,889

1Source: Insurance Fiscal Year 2009 Policy Exhibit.
44 Annual Benefits Report FY 2009 Insurance

Lump-Sum Payments Made to Policy Holders During Fiscal Year 2009

Payments Number1 Amount2 Average Payment

Matured 

Endowment1, 2

USGLI 108 $585,003 $5,417

NSLI 1,724 $22,546,353 $13,078

VSLI 121 $1,358,390 $11,226

VRI 11 $74,535 $6,776

SDVI 230 $2,109,892 $9,173

Total 2,194 $26,674,173 $12,158

Cash Surrender1, 2

USGLI 49 $120,850 $2,466

NSLI 5,395 $37,058,729 $6,869

VSLI 831 $4,944,761 $5,950

VRI 295 $1,665,514 $5,646

SDVI 698 $4,424,602 $6,339

Total 7,268 $48,214,456 $6,634

Dividends3, 4

USGLI 4,671 $699,870 $150

NSLI 834,026 $235,231,674 $282

VSLI 175,715 $66,308,879 $377

VRI 35,264 $7,810,296 $221

Total 1,049,676 $310,050,719 $295

Loans5, 6, 7

USGLI 59 $8,000 $136

NSLI 13,699 $30,615,000 $2,235

VSLI 3,751 $10,125,000 $2,699

VRI 1,046 $1,524,000 $1,457

SDVI 9,554 $13,492,000 $1,412

Total 28,109 $55,764,000 $1,984

1Source Number: Fiscal Year 2009 Policy Exhibit. 2Source Amount: Fiscal Year 2009 Statement of Operations and 

changes in Net Position.

3Source Number: Fiscal Year 2009 Policy Exhibit – Cover Sheet.

4Source Amount: Fiscal Year 2009 Statement of Program Cost 

and Financing. 5Source Number: Fiscal Year 2009 Statement of Cash Flows. 6Source Number: Program numbers from an estimate based on 

SQC in Fiscal Year 2009 and percent of total.
Veterans Benefits Administration Making a difference 45Insurance

Life Insurance Dividend Payments by Fiscal Years

Dividend Payments 2005 2006 2007 2008 2009

Number 1,470,481 1,361,906 1,255,732 1,150,671 1,049,676 

Total Amounts $461,928,451 $421,581,323 $374,591,446 $338,082,018 $310,050,719 

Average Payments $314 $310 $298 $294 $295 

Sources: (same as table on the previous page); Fiscal Year 2005-2009 Annual Benefits Report.

Lump-Sum Payments Made to Beneficiaries During Fiscal Year 2009

Death Claims Number1 Amount2 Average Payment

USGLI 791 $2,463,604 $3,115 

NSLI 76,248 $877,942,856 $11,514 

VSLI 6,579 $86,023,609 $13,075 

VRI 3,726 $35,193,352 $9,445 

SDVI 6,953 $71,715,299 $10,314 

VMLI 132 $9,650,179 $73,107 

SGLI3 2,212 $835,549,261 $377,735 

FSGLI3 - Spouse 850 $82,795,000 $97,406 

FSGL3 - Child 1,118 $11,187,233 $10,006 

TSGLI3 2,455 $106,950,000 $43,564 

VGLI3 $1,999 $202,642,951 $101,372 

1Source: Fiscal Year 2009 Policy Exhibit. VMLI Database. 2Source: Fiscal Year 2009 Statement of Program Costs and Financing. 3Source: VGLI/SGLI/FSGLI/TSGLI – SGLI/VGLI/TSGLI Monthly Reports

Fiscal Year 2009 includes Regular, Accelerated & Conversion Pool.
46 Annual Benefits Report FY 2009 Insurance

Death claims are paid to the beneficiary upon the

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

the death claim is paid to the servicemember. All 

other death claims are paid to the Veteran’s or 

servicemember’s designated beneficiary.

The table below provides a distribution of 

the lump-sum death claim payments by life 

insurance program.

Insurance Monthly Installment Award Payments to Policyholders at the End of Fiscal Year 2009

Payment Type Number Monthly Average

Total Disability Income Provision

USGLI 18 $12,636 $702 

NSLI 7,355 $8,761,014 $1,191 

VSLI 2,018 $2,728,710 $1,352 

VRI 411 $311,244 $757 

Total 9,802 $11,813,604 $1,205 

Matured Endowments

USGLI 0 $0 $0 

NSLI 549 $557,820 $1,016 

VSLI 434 $561,978 $1,295 

VRI 26 $17,892 $688 

SDVI 11 $8,652 $787 

Total 1,020 $1,146,342 $1,124 

Cash Surrenders

USGLI 0 $0 $0 

NSLI 49 $69,426 $1,417 

VSLI 1 $7,218 $7,218 

VRI 2 $528 $264 

SDVI 0 $0 $0

Total 52 $77,172 $1,484 

Total and Permanent Disability 

USGLI 22 $6,768 $308 

Total 22 $6,768 $308 

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

the Guaranteed Certain Only amount.

Number of Death Claims Paid by Fiscal Year

Death Claims 2005 2006 2007 2008 2009

Number 109,244 106,266 104,679 104,085 103,063 

Total Amounts $1,928,795,079 $2,229,259,919 $2,467,975,806 $2,231,417,257 $2,322,113,344 

Average Payments $17,656 $20,978 $23,577 $21,438 $22,531 

Source: (same as table on previous page).

Monthly Payments to Policyholders at the End of Fiscal Year 2009

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.
Veterans Benefits Administration Making a difference 47Insurance

Monthly Payments to Beneficiaries at the End of Fiscal Year 2009

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 at the End of Fiscal Year 2009

Death Awards Payment Type Number Monthly Average

USGLI 1,534 $401,100 $261

NSLI 25,781 $15,753,630 $611

VSLI 576 $396,894 $689

VRI 189 $102,684 $543

SDVI 219 $100,464 $459

Total 28,299 $16,754,772 $592

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

Amount and the Guaranteed Certain Only amount.

Total Insurance Policies In-Force at the End of Fiscal Year 2009

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

USGLI 4,671 $13,817,726 $2,958 $10,000 

NSLI 834,026 $9,789,562,181 $11,738 $10,000 

VSLI 175,715 $2,286,696,899 $13,014 $10,000 

VRI 35,264 $348,941,316 $9,895 $10,000 

SDVI 202,110 $2,053,528,077 $10,160 $10,000*

VMLI 2,273 $166,353,257 $73,187 $90,000 

SGLI 2,402,500 $903,945,200,000 $376,252 $400,000 

FSGLI - Child 2,064,000 $20,640,000,000 $10,000 $10,000 

FSGLI - Spouse 1,104,000 $108,958,100,000 $98,694 $100,000 

VGLI 429,271 $57,759,770,000 $134,553 $400,000 

Total 7,253,830 $1,105,961,969,456 $152,466 

Sources: Insurance Fiscal Year 2009 Policy Exhibit Cover Sheet. *Additional $20,000 available for totally disabled policyholders.

Life Insurance Policies In Force by Fiscal Year 

 2005 2006 2007 2008 2009

Number of Policies 7,612,195 7,463,956 7,305,140 7,239,344 7,253,830

Total Face Values $1,155,492,749,414 $1,341,158,083,857 $1,311,358,700,050 $1,313,773,303,072 $1,336,911,969,456

Average Face Values $151,795 $179,685 $179,512 $181,477 $184,304

Sources: Insurance Fiscal Year 2009 Policy Exhibit Cover Sheet.
48 Annual Benefits Report FY 2009 Insurance

Demographic Characteristics of Policyholders by Age

Because certain programs were active only during 

past wartime periods, their age distributions 

parallel the aging of all other Veterans of 

those periods.

The programs in which policies can still 

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

policyholders across a wide distribution of ages. 

The following table includes only spouses in the 

FSGLI data.

Age Distribution for Insurance Programs

Age Avg 

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

USGLI1 0 0 0 0 0 0 0 2,121 2,483 4,604 90.9

% of Total 0% 0% 0% 0% 0% 0% 0% 46% 54% 100%

NSLI1 0 0 0 0 0 0 121,960 523,508 81,081 726,549 83.5

% of Total 0% 0% 0% 0% 0% 0% 17% 72% 11% 100%

VSLI1 0 0 0 0 0 11 131,553 27,819 294 159,677 77.5

% of Total 0% 0% 0% 0% 0% 0% 83% 17% 0% 100%

VRI1 0 0 0 0 0 2 4,271 22,376 3,955 30,604 84.4

% of Total 0% 0% 0% 0% 0% 0% 13% 74% 13% 100%

SDVI1 1 1,686 4,946 13,942 39,324 84,077 25,475 5,214 236 174,901 60.5

% of Total 0% 1% 3% 8% 22% 47% 16% 3% 0% 100%

VMLI2 0 16 91 373 632 1,027 134 0 0 2,273 57.2

% of Total 0% 1% 4% 16% 28% 45% 6% 0% 0% 100%

SGLI3 160,483 1,226,995 618,201 326,198 68,438 2,049 136 0 0 2,402,500 29.9

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

FSGLI–

Spouse3 22,092 440,366 384,858 204,468 47,397 4,819 0 0 0 1,104,000 33.9

% of Total 2% 40% 35% 19% 4% 0% 0% 0% 0% 100%

FSGLI–

Children3 1,993,101 70,899 0 0 0 0 0 0 0 2,064,000 8.6

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

VGLI4 83 29,934 80,069 137,782 103,482 67,116 10,495 305 5 429,271 47.5

% of Total 0% 7% 19% 32% 24% 16% 2% 0% 0% 100%

Totals 2,175,760 1,769,896 1,088,165 682,763 259,273 159,102 294,024 581,343 88,053 7,098,379

% by Age 

Group 31% 25% 15% 10% 4% 2% 4% 8% 1% 100%

1Source: Insurance TBC VAL-C Fiscal Year 2009 Attained Age Report. 2Source: VMLI Reserve Valuation June Data Adjusted for Fiscal Year 

2009.

3Source: OSGLI June Data – Adjusted for Fiscal Year 2009. 

4Source: VGLI Insurance System.

Note: All data are as of September 30, 2009.
Veterans Benefits Administration Making a difference 49Insurance

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 585,429 581,638 99.4% 25.3% 313,009 279,978 89.4% 25.4%

Navy 354,115 349,242 98.6% 15.2% 214,312 194,276 90.7% 17.6%

Air Force 341,929 337,015 98.6% 14.7% 214,758 200,709 93.5% 18.2%

Marine 

Corps 216,109 215,275 99.6% 9.4% 120,063 115,553 96.2% 10.5%

Coast 

Guard 41,821 40,575 97.0% 1.8% 5,374 448 8.3% 0.0%

NOAA 278 244 87.8% 0.0% 29 2 7.5% 0.0%

Public 

Health 

Service 6,230 6,011 96.5% 0.3% 618 33 5.4% 0.0%

Total 1,545,911 1,530,000 99.0% 66.6% 868,163 790,999 91.1% 71.6%

Reserve/

National

Guard

Army 566,636 531,735 93.8% 23.2% 322,270 185,200 57.5% 16.8%

Navy 58,377 48,732 83.5% 2.1% 55,948 25,426 45.4% 2.3%

Air Force 161,035 151,484 94.1% 6.6% 139,818 92,701 66.3% 8.4%

Marine 

Corps 27,932 26,044 93.2% 1.1% 365 11 3.1% 0.0%

Coast 

Guard 8,713 8,005 91.9% 0.3% 11,458 9,662 84.3% 0.9%

Total 822,693 766,000 93.1% 33.4% 529,858 313,000 59.1% 28.4%

Grand Total 2,368,604 2,296,000 96.9% 100% 1,398,020 1,104,000 79.0% 100.0%

Note: All data are as of September 30, 2009.

Note: The data at the bottom of the table shows the reserve components for the branches.
50 Annual Benefits Report FY 2009 Insurance

SGLI coverage of up to $400,000 is available 

in increments of $50,000. Minimum allowable 

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

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

of the servicemember’s SGLI, whichever is less. 

The table below shows the number of SGLI 

policyholders and insured FSGLI spouses.

The total percentage by coverage level for both 

categories of duty status is shown. For ease of 

presentation, the maximum coverage level is 

shown by itself, while all the lesser coverage levels 

are shown in a combined number.

SGLI 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 98,620 1,431,380 6.45% 93.55%

Reserve 109,206 656,794 14.26% 85.74%

Total 207,826 2,088,174 9.05% 90.95%

Source: Payroll databases of each branch of service – September 2009 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 12,595 778,405 1.59% 98.41%

Reserve 12,706 300,294 4.06% 95.94%

Total 25,301 1,078,699 2.29% 97.71%

Source: Payroll databases of each branch of service – September 2009 SGLI Monthly Premium Reports; DEERS and Payroll databases.

SGLI and FSGLI Coverage
“New Home”

U.S. Army 1st Lt. Steven Brewer, center, stands

with his wife Michelle, daughter Lorelei, left, and 

son Cavan, in front of their new home in

Eastover, N.C., July 8th 2009.

U.S. Army photo by Pfc. Victor J. Ayala

www.defenseimagery.mil

Veterans Benefits Administration Making a difference 51Loan 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

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. For Fiscal 

Year 2009, VA’s effective loan limit ranges from a floor of $417,000

up to a maximum of $1,094,625. These limits are higher for certain

designated areas. For Alaska, Hawaii, Guam and US Virgin Islands, 

the loan limit ranges from a floor of $625,500 to a maximum of

$1,641,937.50. The VA county loan limits are adjusted annually each 

January and are available at www.homeloans.va.gov/loan limits.htm.

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

of the loan amount (0.5 percent for interest rate reduction refinancing

loans). The funding fee can be included in the loan. Veterans receiving 

VA disability compensation are 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 guarantees, 

the government could 

provide the housing benefit

to the Veteran at little cost.
52 Annual Benefits Report FY 2009 Loan 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

Loan Guaranty also administers the Native American Veterans Direct 

Loan Program. This program helps Native American Veterans finance 

the purchase of homes on Federal Trust territory. Loan Guaranty 

provides program information and materials to all interested parties 

and to VA personnel.

VA has entered into memoranda of understanding (MOUs) with 83 

participating Native American tribes. During Fiscal Year 2009, VA 

closed 99 loans under this program. Since its inception, VA has made 

nearly 725 loans to Native American Veterans under this program.

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 housing grants under a 

Paraplegic Housing (PH) grant. 

Adaptive Housing (AH) 

grants are also available to 

disabled individuals who 

have blindness in both eyes, 

or have anatomical loss or 

loss of use of both hands. 

These distinctive programs 

help eligible individuals with 

grants to 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. 
Veterans Benefits Administration Making a difference 53Loan Guaranty

Quick Reference Guide

This quick reference guide highlights information 

most requested from the Loan Guaranty Service 

(LGY) Program concerning data from Fiscal Year 

(FY) 2009 only.

The table below shows overall activity for the past 

five years. The volume of loans increased greatly in

Fiscal Year 2009 largely due to the drop in interest 

rates. In Fiscal Year 2009, interest rate reduction 

refinance loans were 38 percent of the total loan

volume.

VA Home Loans Guaranteed by Fiscal Year

Fiscal Year 2005 2006 2007 2008 2009 

Number of

Loans 165,854 142,708 133,313 179,670 325,690

Total Loan 

Amount $24,901,280,923 $24,635,468,167 $24,889,988,061 $36,089,811,392 $68,200,786,687

Average Loan 

Amount $150,140 $172,629 $186,703 $200,867 $209,404

Total 

Guaranty 

Amount $6,808,452,010 $6,486,196,646 $6,438,362,016 $9,236,280,575 $17,492,203,150

Average 

Guaranty 

Amount $41,051 $45,451 $48,295 $51,407 $53,708

This chart is repeated on page 56.

Fiscal Year 2009 Loan Guaranty Program Highlights

Loans guaranteed 325,690 

Interest rate reduction loans 122,251 

Total loan amount $68,200,786,687 

Average amount per loan $209,404 
54 Annual Benefits Report FY 2009 Loan Guaranty

Data

This table below summarizes eligibility criteria for 

the Loan Guaranty program. All Veterans must 

have been discharged or released from active duty 

under other than dishonorable conditions. 

If the Veteran served less than the minimum 

required time period, he or she could 

be eligible if discharged because of a 

service‐connected disability.

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria

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

World War II 

9/16/40 7/25/47 90 days

Post-World War II 

7/26/47 6/26/50 181 continuous days

Korean Conflict

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

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

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

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

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

Officers

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

Gulf War 8/2/90 - present 

2 years or period called to active duty. 

(not less than 90 days)

Active Duty Personnel

On active duty, after having served continuously for at least 

181 days (90 days for Gulf War Era duty) unless discharged 

or separated from a previous qualifying period of active 

duty service. 

Reservists 6 years

Unmarried Surviving Spouse N/A

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

or service‐connected conditions.

Spouse of MIA/POW N/A

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

prisoner of war (POW).

Restored Entitlement

Veterans who previously used the home loan benefit, but had

entitlement restored because the loan was paid in full and 

property disposed of.

*For Veterans who served within Vietnam, the beginning date is 2/28/1961.
Veterans Benefits Administration Making a difference 55Loan Guaranty

Types and Characteristics of Loans Guaranteed During Fiscal Year 2009

Status

Number 

of Loans

Total Loan 

Amount 

Average Loan 

Amount

Total Guaranty 

Amount

Average 

Guaranty 

Amount 

First Time Home Buyer 91,818 $17,547,894,412 $191,116 $4,582,994,313 $49,914 

Previous Home Buyer 89,078 $20,165,164,694 $226,376 $5,123,770,230 $57,520 

No Down Payment 163,441 $33,088,820,185 $202,451 $8,559,462,345 $52,370 

Down Payment 17,455 $4,624,199,217 $264,921 $1,147,302,198 $65,729 

Purchase Loans 180,896 $37,713,019,402 $208,479 $9,706,764,543 $53,659 

Interest Rate Reduction 122,251 $25,719,298,305 $210,381 $6,632,079,420 $54,250 

Cash Out/ Other 

Refinancing 22,543 $4,768,468,980 $211,528 $1,153,359,187 $51,163 

Status of Loans Guaranteed by Fiscal Year

Status 2005 2006 2007 2008 2009

First Time Home Buyer 60,735 63,836 63,731 74,071 91,818

Previous Home Buyer 58,395 58,768 54,210 68,269 89,078

No Downpayment 108,385 110,503 108,241 128,471 163,441

Downpayment 10,745 12,101 9,700 13,869 17,455

Purchase Loans 119,130 122,604 117,941 142,340 180,896

Interest Rate Reduction 40,995 13,875 10,090 30,355 122,251

Other Refinancing 5,729 6,229 5,282 6,975 22,543
56 Annual Benefits Report FY 2009 Loan Guaranty

VA Home Loans Guaranteed by Fiscal Year

Fiscal Year 2005 2006 2007 2008 2009

Number of 

Loans 165,854 142,708 133,313 179,670 325,690

Total Loan 

Amount $24,901,280,923 $24,635,468,167 $24,889,988,061 $36,089,811,392 $68,200,786,687 

Average Loan 

Amount $150,140 $172,629 $186,703 $200,867 $209,404 

Total Guaranty 

Amount $6,808,452,010 $6,486,196,646 $6,438,362,016 $9,236,280,575 $17,492,203,150 

Average 

Guaranty 

Amount $41,051 $45,451 $48,295 $51,407 $53,708 

This chart is referenced in the Quick Reference Section.

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2009

Program

Specially Adapted 

Housing Grants*

Special Adaptation 

Housing Grants

Direct Loans to 

Native Americans Total 

Number of Grants/Loans 1,189 81 99 1,369

Amount of Grants/Loans $51,547,099 $749,724 $15,725,000 $68,021,823

Average Amount of 

Grants/Loans $43,353 $9,256 $158,840 $211,449

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

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

by PL 109-233.
Veterans Benefits Administration Making a difference 57Loan Guaranty

Loans Guaranteed During Fiscal Year 2009 by Period of Service/Entitlement

Data regarding loans guaranteed during Fiscal 

Year 2009 by Veterans’ period of service and by 

other entitlement criteria are presented below. 

The table on the next page presents the data on a

five-year basis.

Loans Guaranteed by Period of Service Entitlement During Fiscal Year 2009

Period of 

Service 

Entitlement 

Number Percent

Total 

Loan 

Amount 

Average 

Loan 

Amount 

Total 

Guaranty 

Amount 

Average 

Guaranty 

Amount 

World 

War II 380 0.12% $57,964,571 $152,538 $16,002,369 $42,111 

Post-World 

War II 113 0.04% $17,572,813 $155,512 $4,848,803 $42,910 

Korean Conflict 591 0.18% $84,157,512 $142,398 $23,727,695 $40,148 

Post-Korean 

Conflict 2,360 0.73% $372,019,792 $157,636 $101,610,472 $43,055 

Vietnam Era 13,482 4.14% $2,280,554,566 $169,156 $611,371,124 $45,347 

Post-Vietnam 

Era 22,601 6.94% $4,229,835,923 $187,153 $1,110,865,061 $49,151 

Gulf War 105,942 32.53% $21,617,287,376 $204,048 $5,567,486,408 $52,552 

Restored 

Entitlement 92,950 28.54% $20,921,653,997 $225,085 $5,300,725,637 $57,028 

Service 

Personnel 81,834 25.13% $17,548,965,827 $214,446 $4,477,292,779 $54,712 

Reservists 4,575 1.41% $930,042,309 $203,288 $240,035,616 $52,467 

Un-Remarried 

Survivors 854 0.26% $138,914,720 $162,664 $37,766,853 $44,223 

Spouses 

of POWs 8 0.00% $1,817,281 $227,160 $470,333 $58,792 

Total 325,690 100.00% $68,200,786,687 $209,404 $17,492,203,150 $53,708 
58 Annual Benefits Report FY 2009 Loan Guaranty

Entitlement Loans Guaranteed by Fiscal Year

Entitlement 2005 2006 2007 2008 2009

World War II 547 363 154 192 380

Post-World War II 62 49 20 39 113

Korean Conflict 496 361 225 291 591

Post-Korean Conflict 1,435 972 781 1,039 2,360

Vietnam Era 9,712 6,960 5,329 6,756 13,482

Post-Vietnam Era 14,719 10,670 9,538 12,665 22,601

Gulf War 42,373 36,874 40,425 57,985 105,942

Restored Entitlement 44,995 34,081 29,736 44,757 92,950

Service Personnel 47,343 49,730 44,997 53,067 81,834

Reservists 3,708 2,305 1,746 2,422 4,575

Un-Remarried Survivors 459 339 358 453 854

Spouses of POWS 5 4 4 4 8

Total 165,854 142,708 133,313 179,670 325,690

Home Loans Guaranteed Based on Gender and Age During Fiscal Year 2009

Gender or Age Number Percent

Total 

Loan 

Amount 

Average 

Loan 

Amount

Total 

Guaranty Amount 

Average 

Guaranty 

Amount 

Gender 

Male 288,401 89% $17,492,203,500 $53,693 $60,383,985,613 $209,375

Female 37,289 11% 2,007,187,561 $53,828 $7,816,801,074 $209,628

Age

18 - 25 24,751 7.60% $4,071,179,064 $164,485 $1,087,438,955 $43,935 

26 - 35 102,833 31.60% $21,313,897,355 $207,267 $5,461,670,388 $53,112 

36 - 45 93,871 28.80% $21,746,291,569 $231,661 $5,501,989,915 $58,612 

46 - 55 54,365 16.70% $11,901,554,650 $218,919 $3,035,567,850 $55,837 

56 - 65 36,120 11.10% $6,840,456,040 $189,381 $1,783,113,464 $49,366 

66 - 75 10,525 3.20% $1,812,415,339 $172,201 $482,304,308 $45,825 

76 - 80 2,104 0.60% $337,607,497 $160,460 $91,782,034 $43,623 

Over 80 1,121 0.30% $177,385,173 $158,238 $48,336,236 $43,119 

Total 325,690 100.00% $68,200,786,687 $209,404 $17,492,203,150 $53,708 
Veterans Benefits Administration Making a difference 59Loan Guaranty

Purchase Loans Guaranteed Based on Annual Income During Fiscal Year 2009

Income Number 

Total Loan 

Amount

Average 

Loan

Total Guaranty 

Amount 

Average Guaranty 

Amount 

Less than 

$25,000 1,926 $175,678,820 $91,214 $60,938,548 $31,640 

$25,000 to 

$34,999 8,861 $1,025,082,571 $115,685 $315,463,825 $35,601 

$35,000 to 

$44,999 22,681 $3,122,314,917 $137,662 $877,895,062 $38,706 

$45,000 to 

$54,999 29,703 $4,809,140,256 $161,908 $1,271,168,926 $42,799 

$55,000 to 

$64,999 27,068 $5,013,705,614 $185,226 $1,289,882,307 $47,653 

$65,000 to 

$74,999 21,870 $4,499,934,594 $205,758 $1,143,224,710 $52,274 

$75,000 

and over 68,789 $19,067,620,510 $277,190 $4,748,191,165 $69,025 

Total 180,896 $37,713,019,402 $208,479 $9,706,764,543 $31,640 

Average 

Income Median Income Median Loan

$73,609 $65,052 $186,922 

Number of Loans Guaranteed by Age by Fiscal Year

Age 2005 2006 2007 2008 2009

18 - 25 13,248 17,081 16,821 19,025 24,751

26 - 35 55,110 50,142 47,578 61,014 102,833

36 - 45 48,985 39,483 36,145 50,469 93,871

46 - 55 26,018 19,409 17,684 26,308 54,365

56 - 65 16,346 12,462 11,410 17,248 36,120

66 - 75 4,575 3,194 2,931 4,315 10,525

76 - 80* 941 597 476 816 2,104

Over 80 631 340 268 475 1,121

Total 165,854 142,708 133,313 179,670 325,690

*Data collection for these age groups began Fiscal Year 2003.
60 Annual Benefits Report FY 2009 Loan Guaranty

Percent of Loans Guaranteed by Age by Fiscal Year

Age 2005 2006 2007 2008 2009

18 - 25 8.0% 12.0% 12.6% 10.6% 7.6%

26 - 35 33.2% 35.1% 35.7% 34.0% 31.7%

36 - 45 29.5% 27.7% 27.1% 28.1% 28.8%

46 - 55 15.7% 13.6% 13.3% 14.6% 16.7%

56 - 65 9.9% 8.7% 8.6% 9.6% 11.1%

66 - 75 2.8% 2.2% 2.2% 2.4% 3.2%

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

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

Loans Guaranteed During Fiscal Year 2009 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 percent who provided race 

information for Fiscal Year 2009.

For the previous four Fiscal Years, the 

percentages are:

2005, 95%; 

2006, 95%;

2007, 92%; and

2008, 90%.

Loans Guaranteed by Race During Fiscal Year 2009

Race Number Percent

Total Loan 

Amount

Average 

Loan 

Total Guaranty 

Amount 

Average 

Guaranty 

White 216,743 75.90% $44,891,090,620 $207,117 $11,526,070,727 $53,179 

Black/African American 38,699 13.50% $8,369,554,292 $216,273 $2,134,081,494 $55,146 

Hispanic 23,310 8.20% $4,756,044,132 $204,034 $1,222,817,929 $52,459 

Asian/Pacific Islander/

Native Hawaiian 5,348 1.90% $1,392,259,641 $260,333 $348,547,192 $65,173 

American Indian/ 

Alaskan Native 1,527 0.50% $313,125,125 $205,059 $80,588,945 $52,776 

Loans Guaranteed by Race by Fiscal Year 

Race 2005 2006 2007 2008 2009

White 117,515 100,631 89,308 119,996 216,743

Black/African American 25,900 21,750 20,227 25,351 38,699

Hispanic 11,308 10,007 9,816 12,780 23,310

Asian/ Pacific Islander/ Native Hawaiian 2,713 2,416 2,058 2,901 5,348

American Indian/ Alaskan Native 1,218 982 719 935 1,527
Veterans Benefits Administration Making a difference 61Vocational 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 assistance.

In the VR&E VetSuccess program, Veterans are provided services 

leading toward employment and independence. VR&E provides each 

Veteran with a case manager who advises and assists the Veteran 

throughout the program to ensure his/her success in achieving 

career and independent living goals. The full range of services is 

described below:

 Step 1. Application for benefits, and assessment for

program eligibility.

 Step 2. Evaluation to assess needs and determine services to 

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

 Step 3. Provision of rehabilitation services for either employment 

(services and assistance that lead to the Veteran becoming 

job‐ready), or achievement of a measure of increased ability to 

live more independently in the community.

 Step 4. Rehabilitation. Veterans obtain and maintain suitable 

employment or achieve maximum independence in daily living.

Mission

The mission of the 

Vocational Rehabilitation 

and Employment (VR&E)

VetSuccess program is to 

provide comprehensive 

services and assistance 

necessary to enable Veterans 

with service-connected 

disabilities and employment 

handicaps to obtain stable 

and suitable employment. 

When the severity of 

disability prohibits suitable 

employment, VR&E assists 

those Veterans to achieve 

maximum independence in

daily living.
62 Annual Benefits Report FY 2009 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment 

Program Enhancements

VR&E re-branded its public face as VetSuccess to improve program 

visibility and recognition. VetSuccess is the partnership between 

Veterans, VR&E, employers, and the American public in fulfilling a

solemn debt for service and sacrifice. VetSuccess helps Veterans

succeed in meaningful careers. We help Veterans complete training 

and college programs, provide guidance in gaining meaningful 

employment, and live as independently as possible in their homes 

and communities.

VR&E continued to develop and expand methods to assist

servicemembers and Veterans in obtaining and maintaining 

suitable employment. Expanding outreach and early intervention for

servicemembers and Veterans increased program applicants by 13 

percent in Fiscal Year2009.

VR&E expanded the functionality of our Veteran facing employment

website, VetSuccess.gov. VetSuccess.gov is a virtual employment 

resource center for Veteran job seekers and for employers listing 

vacancies who wish to hire Veterans. Veterans can now browse 

multiple job banks for job listings, post resumes, and apply for jobs 

online. Veterans may also apply for the VR&E program and other VA 

benefits through this site.

VR&E began several efforts this year to help improve our ability to 

support Veterans.

 A business process re-engineering analysis of the VR&E Quality 

Assurance program has resulted in streamlined processes and a 

development of new IT system to support these improvements to 

be deployed in Fiscal Year 2010.

 The Congressionally mandated Study of Measures to 

Assist and Encourage Veterans in Completing Vocational 

Rehabilitation will identify new ways to help Veterans complete 

VetSuccess programs.

 VR&E Work Measurement Study will measure current work 

processes and recommend new measurement standards and 

workload ratiosto ensure an appropriate counselor-to-Veteran 

ratio during the counseling process.

 Revision of the M28 VR&E Procedure Manual will provide an 

improved and consolidated online reference to VR&E employees.

Definitions for the following

terms may be helpful in 

reviewing the tables:

 Applicants: Veterans 

who have applied for 

Vocational Rehabilitation 

and Employment services.

 Eligible: Veterans 

who have been 

deemed eligible based 

upon a qualifying 

service‐connected 

disability or memo rating.

 Entitled to Services:

Veterans determined 

to have an employment 

or serious employment 

handicap based upon 

their disabling condition.

 Participants: Veterans 

who are currently 

participating in a program 

of services in one of the 

following case statuses; 

extended evaluation,

independent living, job 

ready status, rehabilitation 

to employment.

 Rehabilitated:

Veterans who have 

successfully found and 

maintained suitable 

employment or have 

successfully completed 

the independent 

living program.
Veterans Benefits Administration Making a difference 63Vocational Rehabilitation and Employment (VR&E)

Quick Reference Guide

Number of Veterans Receiving Vocational Rehabilitation and Employment 

(VR&E) Benefits at the End of Fiscal Year 2009 is 110,750.

Veterans participating in the VR&E program whom are male 89,136

Veterans participating in the VR&E program whom are female 21,614

Disabled Veterans who were successfully rehabilitated 11,022

Veterans with serious employment handicaps whom were rehabilitated 6,153
64 Annual Benefits Report FY 2009 Vocational Rehabilitation and Employment (VR&E)

Data

Vocational Rehabilitation and Employment Activities During 

Fiscal Year 2009

Total

Applicants 77,998

Eligible 74,617

Completed Evaluation 44,089

Entitled to Services 38,802

New Plans of Service 28,997

Participants 110,750

Rehabilitated 11,022

Sources: VR&E Program Management Reports – Snapshot of VR&E Participants at the 

end of Fiscal Year 2009 and COINTAR Reports.

Vocational Rehabilitation and Employment Activities by Age During Fiscal Year 2009

< 17 or 

Unk. 17 - 21 22 - 29 30 - 39 40 - 44 45 - 49 50 - 54 55 - 59

60 and 

above Total

Applicants 7 657 16,147 18,166 10,898 10,429 7,724 5,922 8,048 77,998

Participants 1 161 16,958 29,674 16,029 18,420 12,732 7,526 9,249 110,750

Rehabilitated -- 2 922 2,692 1,506 2,020 1,205 1,285 1,390 11,022

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2009.

In Fiscal Year 2009, 77,998 

Veterans applied for 

Vocational Rehabilitation and 

Employment services.

Of those who applied:

 95.7% were found to be 

eligible and

 89.7% were found entitled.

Definitions for the following 

VR&E terms are found in 

the glossary: 

 Applicants (page C1);

 Eligible (page C2);

 Entitled to Services 

(page C2);

 Participants (page C4); and

 Rehabilitated (page C5).
Veterans Benefits Administration Making a difference 65Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Prior Education Level at the End of Fiscal Year 2009

Below High 

School High School

Post High 

School

Four Year 

Degree

Graduate 

Degree 

Training Total

Applicants 1,524 35,496 29,405 9,017 2,342 77,9981

Participants 1,487 52,266 44,224 9,179 3,572 110,7502

Rehabilitated 205 4,971 4,196 1,141 509 11,022

1Plus 214 unknowns

2Plus 22 unknowns

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2009.

Vocational Rehabilitation and Employment Activities by Branch of Service at the End of Fiscal Year 2009

Air Force Army

Coast 

Guard

Marine 

Corps Navy Misc. Unk. Total

Applicants 10,425 41,655 710 10,415 14,324 88 381 77,998

Participants 17,100 57,593 1,149 13,586 21,149 64 109 110,750

Rehabilitated 2,036 5,485 110 1,241 2,144 3 3 11,022

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2009.

Vocational Rehabilitation and Employment Activities by Period of Service at the End of Fiscal Year 2009

World 

War II

Post 

World War 

II Era

Korean 

Conflict

Post - 

Korean 

Conflict

Vietnam 

Era

Post - 

Vietnam 

Era Gulf War Total

Applicants 200 27 171 503 7,780 11,798 57,510 77,9981

Participants 127 19 139 394 7,984 14,268 87,818 110,7502

Rehabilitated 98 14 77 94 1,591 1,421 7,727 11,022 1Plus 214 unknowns

2Plus 1 unknown

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2009.

Vocational Rehabilitation and Employment Activities by Length of Service Fiscal Year 2009

≤3 

months

3 - 6 

months

6 

months 

- 2 

years

2 - 4 

years

4 - 10 

years

10 - 15 

years

15 - 20 

years

20 - 30 

years

> 30 

years

In 

service Totals

Applications 447 1,008 11,245 22,482 21,462 4,648 2,579 10,432 226 3,469 77,998

Participants 603 1,492 14,960 29,985 30,812 7,468 4,651 19,003 319 1,457 110,750

Rehabilitated 73 126 1,366 2,856 2,700 887 654 2,294 35 31 11,022

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2009.

In Service: The VR&E program provides service to active military personnel, such as those on medical hold or those in the 

pre‐discharge phase.
66 Annual Benefits Report FY 2009 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Combined Service‐Connected 

Disability Rating at the End of Fiscal Year 2009

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

Memo 

Rating

Cases 

Not 

Rated Total

Applicants 1,499 7,988 9,831 11,549 10,493 7,445 7,987 5,999 4,257 1,921 4,403 2,027 2,599 77,998

Participants 190 4,589 13,542 16,912 17,166 12,502 13,835 10,626 8,200 4,062 7,649 1,476 1 110,750

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2009.

Of those Veterans participating in a plan of services, most follow the employment track and receive services 

that may include career counseling, employment planning, training or education, medical or dental care, and 

other supportive services.

Some of the Veterans participating in VR&E have a serious employment handicap, which means there is 

significant impairment of a Veteran’s ability to prepare for, pursue, or retain employment consistent with the 

Veteran’s abilities, aptitudes, and interests.

Veterans with Serious Employment Handicaps at the End of Fiscal Year 2009

Case Status Total Veterans

Total Veterans with Serious 

Employment Handicaps

Entitled to Services 38,802 26,151

Participants 110,750 64,917

Rehabilitated 11,022 6,153

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2009.
Veterans Benefits Administration Making a difference 67Vocational Rehabilitation and Employment (VR&E)

Employment assistance services may include: job market exploration, job-seeking skills, resume preparation, 

interview skills, and other assistance. The table presented next reflects those Veterans participating in 

Vocational Rehabilitation and Employment by training program during Fiscal Year 2009.

Veterans Participating in a Vocational Training Program 

During Fiscal Year 2009

Program Total

Undergraduate School 50,655

Vocational/Technical 2,993

Graduate School 2,755

College, Non Degree 1,572

Extended Eval/Independent Living 788

Paid On-Job Training 208

Non Pay Work Experience in Government 253

Non-Pay On-Job Training 119

Apprenticeship 108

Improvement of Rehab Potential 43

High School 8

Farm Co-op 14

Total 59,516

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end 

of Fiscal Year 2009.
68 Annual Benefits Report FY 2009 Vocational Rehabilitation and Employment (VR&E)

Upon completion of the individualized evaluation process, Veterans enter a rehabilitation program to become 

job-ready in their selected vocational choice or to achieve the maximum ability to live independently in 

the community. The length of time that Veterans remain in a rehabilitation program varies according to 

the Veteran’s individual circumstances. The average time spent in the program is approximately two and 

one-half years.

The following table shows annual earnings pre- and post- VR&E program participation for those Veterans who 

were successfully rehabilitated.

Veterans Successfully Rehabilitated Pre and Post Annual Earnings by Occupational Category at the 

End of Fiscal Year 2009

Total

Average Annual Wages Prior to 

VR&E Program Entrance

Average Annual Wages at 

Rehabilitation

Professional, Technical, 

and Managerial 6,232 $7,522 $36,598 

Clerical 561 $5,238 $27,849 

Service 409 $5,758 $27,850 

Miscellaneous 300 $6,100 $31,385 

Machine Trades 253 $7,309 $30,712 

Structural (Building Trades) 195 $9,632 $33,250 

Sales 164 $5,023 $28,657 

Benchwork 47 $5,114 $27,653 

Processing (Butcher, Meat 

Processor, etc.) 20 $5,897 $35,064 

Agricultural, Fishery 

and Forestry 32 $6,533 $21,217 

Total 8,831 $5,641 $32,359

Note: Excludes Independent Living Veterans (2,809).

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2009.
Veterans Benefits Administration Making a difference

Appendices

Appendices

VBA Regional Office Mailing Addresses.................................A1

Contact VA by Telephone ........................................................B1

Glossary ...................................................................................C1

Websites ..................................................................................D1

Select Veteran Data for All VBA Programs by State ..............E1

Veterans Benefits Administration Making a difference A1Appendices

VBA Regional Office Mailing Addresses

ALABAMA

VA Regional Office

345 Perry Hill Road

Montgomery, AL 36109-3798

CONNECTICUT

VA Regional Office 

555 Willard Avenue, Building 2E, Room 5137

P. O. Box 310909

Newington, CT 06103-0909

ALASKA

VA Regional Office

2925 Debarr Road

Anchorage, AK 99508-2989

DELAWARE

VA Regional Office

1601 Kirkwood Highway

Wilmington, DE 19805-4988

ARIZONA

VA Regional Office

3333 North Central Avenue

Phoenix, AZ 85012-2405

DISTRICT OF COLUMBIA

VA Regional Office

1722 Eye St, NW

Washington, DC 20421-1111

ARKANSAS

VA Regional Office

2200 FT Roots Drive, Bldg 65

North Little Rock, AR 72114-1756

FLORIDA

VA Regional Office

P. O. Box 1437

St. Petersburg, FL 33731-1437

CALIFORNIA

VA Regional Office

Federal Building

11000 Wilshire Blvd.

Los Angeles, CA 90024-3602

VA Regional Office

Oakland Federal Building

1301 Clay Street - Suite 1300N

Oakland, CA 94612-5209

VA Regional Office 

8810 Rio San Diego Drive

San Diego, CA 92108-1508

GEORGIA

VA Regional Office

1700 Clairmont Road

Decatur, GA 30033-4032

HAWAII

VA Regional Office

P. O. Box 29020

459 Petterson Road, E W

Honolulu, HI 96819-1522

IDAHO

VA Regional Office

805 W. Franklin Street

Boise, ID 83702-5560

COLORADO

VA Regional Office

155 Van Gordon Street

Lakewood, CO 80228-1709

ILLINOIS

VA Regional Office

2122 W. Taylor Street

Chicago, IL 60612-4281
A2 Annual Benefits Report FY 2009 Appendices

INDIANA

VA Regional Office

575 North Pennsylvania Street

Indianapolis, IN 46204-1526

MINNESOTA

VA Regional Office 

One Federal Drive, Fort Snelling

St. Paul, MN 55111-4050

IOWA

VA Regional Office 

210 Walnut Street, Room 1063

Des Moines, IA 50309-9825

MISSISSIPPI

VA Regional Office

1600 East Woodrow Wilson Avenue

Jackson, MS 39216-5102

KANSAS

VA Regional Office

5500 E. Kellogg Drive

Wichita, KS 67218-1698

MISSOURI

VA Regional Office 

400 South 18th Street

St. Louis, MO 63103-2676

KENTUCKY

VA Regional Office

321 West Main Street, Suite 390

Louisville, KY 40202-6200

MONTANA

Regional Office

William Street, Hwy 12 West

Fort Harrison, MT 59636-9999

LOUISIANA

VA Regional Office

1250 Poydras Street, Suite 200

New Orleans, LA 70113-1871

NEBRASKA

VA Regional Office

5631 S. 48th Street

Lincoln, NE 68516-4198

MAINE

VA Regional Office

1 VA Center - Building 248, Room 205

Augusta, ME 04330-6795

NEVADA

VA Regional Office

5460 Reno Corporate Drive

Reno, NV 89511-2250

MARYLAND

VA Regional Office

Federal Building

31 Hopkins Plaza, Room 233

Baltimore, MD 21201-0001

NEW HAMPSHIRE

VA Regional Office 

Norris Cotton Federal Bldg.

275 Chestnut Street

Manchester, NH 03101-2489

MASSACHUSETTS

VA Regional Office 

John F. Kennedy Building

Government Center 1600

Boston, MA 02203-0393

NEW JERSEY

VA Regional Office

20 Washington Place

Newark, NJ 07102-3174

MICHIGAN

VA Regional Office 

Patrick V. McNamara Federal Bldg.

477 Michigan Avenue, Room 1400

Detroit, MI 48226-2591

NEW MEXICO

VA Regional Office 

Dennis Chavez Federal Bldg.

500 Gold Avenue, SW

Albuquerque, NM 87102-3118
Veterans Benefits Administration Making a difference A3Appendices

NEW YORK

VA Regional Office

130 S. Elmwood Avenue

Buffalo, NY 14202-2478

VA Regional Office

245 W. Houston Street

New York, NY 10014-4805

PENNSYLVANIA

VA Regional Office and

Insurance Center

5000 Wissahickon Avenue

Philadelphia, PA 19101-8079

VA Regional Office 

1000 Liberty Avenue

Pittsburgh, PA 15222-4004

NORTH CAROLINA

VA Regional Office

Federal Building

251 North Main Street

Winston-Salem, NC 27155-1000

PHILIPPINES

U.S. Department of Veterans Affairs

FPO AP 96515-1110

Manila, PI 1000

NORTH DAKOTA

VA Regional Office

2101 Elm Street

Fargo, ND 58102-2417

PUERTO RICO

VA Regional Office

P. O. Box 364867

San Juan, PR 00936-4867

OHIO

VA Regional Office 

Federal Building

1240 East Ninth Street

Cleveland, OH 44199-2001

RHODE ISLAND

VA Regional Office

380 Westminster Mall

Providence, RI 02903-3246

OKLAHOMA

VA Regional Office

Federal Building

125 South Main Street

Muskogee, OK 74401-7025

SOUTH CAROLINA

VA Regional Office

1801 Assembly Street

Columbia, SC 29201-2495

OREGON

VA Regional Office

Edith Green/Wendell Wyatt Federal Building

1220 Southwest 3rd Avenue

Portland, OR 97204-2825

SOUTH DAKOTA

VA Regional Office

2501 W 2nd Street

Sioux Falls, SD 57117-5046
A4 Annual Benefits Report FY 2009 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

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).

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.
C2 Annual Benefits Report FY 2009 Appendices

DEPENDENCY AND INDEMNITY COMPENSATION

(DIC) – A monetary death benefit payable to 

eligible survivors (surviving spouses, children, 

and/or dependent parents of servicemembers 

who die in service) as a result of a 

service‐connected death.

DEPENDENTS – Qualifying dependents for VA 

benefit purposes are a Veteran’s spouse and 

child (natural child, adopted child, or stepchild). A 

Veteran’s mother or father may also be considered 

a dependent generally if there is financial need.

DIAGNOSTIC CODES – VBA uses four digit numeric 

codes to signify specific medical conditions. These 

numeric codes are in 38 CFR, Part 4.

DIRECT LOAN – A home loan made by the 

Department of Veterans Affairs directly to 

Veterans. This is distinct from guaranteed loans, 

which are made by private lenders and guaranteed 

by VA.

DISABILITY COMPENSATION – A monetary benefit 

paid to Veterans for service‐connected disability.

DISABILITY PENSION – A monetary benefit paid 

to wartime Veterans who are age 65 or older, or 

permanently and totally disabled as the result of a 

non-service‐connected disability. In either case, the 

Veteran’s annual income must not exceed the limit 

set by statute in order to qualify for this benefit.

DIVIDEND – A payment to policyholders in 

participating life insurance programs. It is an 

allocation of program surplus funds representing 

the return of premiums not needed to pay claims 

and expenses, and a distribution of earnings from

investment. Dividends are issued annually on the 

policy anniversary date.

DMDC – The Defense Manpower Data Center 

maintains the largest archive of personnel, 

manpower, training and financial data in the

Department of Defense (DoD).

NO DOWNPAYMENT OPTION – The VA home 

loan guaranty program allows the Veteran to 

enter the home buying market with the option of 

providing no downpayment. This option is intended 

to help the Veteran afford the purchase of a 

suitable home.

EDUCATIONAL ASSISTANCE – A monetary benefit

to eligible Veterans, dependents, reservists, and 

servicemembers while they are in an approved 

training program.

ELIGIBLE – Veterans who have been deemed 

eligible based upon a qualifying service‐connected 

disability or memo rating.

ELIGIBILITY – VA benefits require that the

Veteran be discharged from active military service 

under “other than dishonorable” conditions. 

In addition to this general requirement, there are 

specific statutory and regulatory requirements

for each of the five benefit programs; some

of these requirements are described in the 

sections of this report dealing with the respective 

benefit programs.

ENTITLED TO SERVICES (VR&E) – Veterans 

determined to have a disability that presents an 

employment or serious employment handicap, and 

for whom it has been determined that vocational 

rehabilitation should be successful.
Veterans Benefits Administration Making a difference C3Appendices

ENTITLEMENT (EDU) – The number of months the 

student is eligible for VA education benefits. This 

number is usually expressed in months and days 

the student will be eligible for full-time benefits. 

Entitlement may vary depending on the education 

program the individual qualifies under. In no event 

will entitlement exceed 48 months under any 

combination of education programs.

ENTITLEMENT (C&P) – Once basic eligibility 

requirements have been met, decisions on 

entitlement for C&P benefits are based on 

statutory and regulatory requirements and 

the evidence of record that documents these 

requirements have been met.

EVALUATION FOR ENTITLEMENT TO A PROGRAM 

OF REHABILITATION SERVICES – The process 

used to determine whether the Veteran’s 

disabilities cause an employment handicap.

FACE VALUE – The dollar amount of life insurance 

money that would be paid upon the death of the 

Veteran or at the maturity of the policy, subject to 

adjustments for indebtedness, dividends, premium 

overpayments, or “paid‐up additions.”

FIRST-TIME HOMEOWNER – A Veteran using his 

home loan entitlement to purchase a home for the 

first time.

FISCAL YEAR – Any yearly accounting or budgetary 

period without regard to its relationship to the 

calendar year.

FISCAL YEAR 2008 – Began October 1, 2006, 

and ended September 30, 2008. The Department 

of Veterans Affairs operates under this schedule 

for accounting and budgetary purposes.

FORECAST OF PROGRAM LIABILITIES – Future 

liabilities represent payments that the government 

is obligated to deliver in future years. This is 

much like the obligation of a life insurance 

company to pay the face amount of a standard 

policy to beneficiaries at the time of the insured

person’s death.

FUNDING FEE – A fee, required by law, charged to 

Veterans who obtain a VA guaranteed home loan.

FSGLI – Family Servicemembers’ Group Life 

Insurance was established in 2001 to provide 

servicemembers, who have Servicemembers’ 

Group Life Insurance (SGLI) coverage, the 

opportunity to have life insurance coverage on 

their spouses and dependent children.

GUARANTEED LOAN – A loan that is federally 

backed by the VA home loan provision.

HOUSEBOUND – An additional monetary 

allowance payable to those individuals who are 

substantially confined to their home or immediate

premises as a result of a permanent disability.

INDIVIDUAL UNEMPLOYABILITY – Veterans 

unable to secure and follow a substantially gainful 

occupation by reason of 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.
C4 Annual Benefits Report FY 2009 Appendices

LOAN DEFAULTED-GUARANTY CLAIM PAID –

Loan Guaranty term used when the borrower 

defaults on the loan and VA pays the loan 

guaranty claim.

LOAN GUARANTY PROGRAM – The benefit 

program whereby VA guarantees a portion of a 

loan to lenders to facilitate Veterans obtaining 

a home.

MATURED ENDOWMENT – The face amount of 

life insurance less any indebtedness that is paid 

to the insured at maturity of the policy, based on 

the plan of life insurance. The proceeds may be 

paid as a lump sum or the insured may request 

installment payments.

MGIB-AD – The Montgomery GI Bill-Active Duty 

Educational Assistance Program (Chapter 30 of 

Title 38, U.S. Code) which provides educational 

assistance to persons who served on active duty in 

the Armed Forces.

MGIB-SR – The Montgomery GI Bill-Selected 

Reserve Educational Assistance Program (Chapter 

1606 of Title 10, U.S. Code) which provides 

educational assistance to members of the 

Selected Reserve or the Ready Reserve of any of 

the reserve components of the Armed Forces.

NOT ELIGIBILE (VR&E) – Veterans who have been 

determined ineligible for VR&E benefits for reasons 

such as a lack of a qualifying service-connected 

disability rating.

NOT ENTITLED (VR&E) – Veterans who have been 

determined not entitled to VR&E services due to 

a lack of an employment handicap or a serious 

employment handicap.

NSLI – National Service Life Insurance was 

established in 1940 to meet the insurance needs 

of World War II Veterans. The program closed 

in 1951.

ORIGINAL DISABILITY CLAIM – A Veteran’s first

claim for disability benefits, either compensation

or pension or both. Any subsequent claim is 

categorized as a reopened or supplemental claim.

OUTREACH (VR&E) – Various initiatives within 

the Program to improve communication and 

to coordinate and maximize employment

opportunities with other government agencies, 

local businesses and VSOs on behalf of 

service‐connected disabled Veterans.

PAID-UP ADDITIONS – Policyholders with 

participating policies can use their annual 

dividends to purchase additional life insurance. 

Established in 1972, this is the only way most 

policyholders may increase their life insurance 

coverage amount.

PARTICIPANTS (VR&E) – Veterans who are 

currently receiving subsistence allowance in one 

of the following VR&E case statuses: extended

evaluation, independent living, job ready or 

rehabilitation to employment.

PEACETIME VETERANS – Veterans who served 

during a period of time not statutorily defined as a

period of war.

PRISONERS OF WAR (POWs) – Veterans who 

were forcibly detained (confined) by an enemy,

foreign government, or hostile force while serving 

in the active military, naval or air service.

PREVIOUS HOMEOWNER – A person who has had 

a previous ownership interest in a home.

PROTECTED PENSION – The pension program, 

both disability and death, replaced by Section 

306 Pension, which in turn was replaced by the 

current pension program under the provisions 

of PL 95-588. Veterans and survivors receiving 

either Protected Pension or Section 306 Pension 

may continue to receive the benefits as long

as they continue to meet the basic entitlement 

requirements of the respective programs.

PURCHASE LOAN – A loan made solely for the 

purpose for purchasing a home.
Veterans Benefits Administration Making a difference C5Appendices

RANGE OF DISABILITIES – A disability is evaluated 

according to the VA Schedule for Rating Disabilities 

in Title 38, CFR, and Part 4. Extent of disability is 

expressed as a percentage from 0% (for conditions 

that exist but are not disabling to a compensable 

degree) to 100%, in increments of 10%. Most 

disabilities, however, do not have every 10% 

increment from 0 to 100.

RATING SCHEDULE – Title 38, CFR Part 4.

REAP – The Reserve Educational Assistance 

Program (Chapter 1607 of Title 10, U.S. Code) 

which provides educational assistance to members 

of the Guard and Reserves who serve on active 

duty in support of a contingency operation under 

federal authority on or after September 11, 2001.

REGIONAL OFFICE (RO) – A VA field office 

composed of divisions which carry out the 

functions of VBA. Fifty-seven such offices exist 

throughout the United States, the District of 

Columbia, Puerto Rico, and the Philippines.

REHABILITATED (VR&E) – Veterans who have 

successfully found and maintained suitable 

employment or have successfully completed the 

independent living program.

RESERVIST – A member of a reserve component 

of one of the Armed Forces who has potential 

entitlement to certain VA benefits by reason of 

his or her reserve status, including educational 

assistance under Title 10 of the United States 

Code, Chapter 1606.

RESTORED ENTITLEMENT (LGY) – Previously 

used entitlement may be restored when a property 

secured by a VA loan is sold and the loan is paid in 

full or when an eligible Veteran transferee agrees 

to assume the outstanding balance on a VA loan 

and substitute his/her entitlement for the same 

amount originally used on the loan.

SDVI – Service-Disabled Veterans Insurance was 

established in 1951 to meet the insurance needs 

of Veterans with service-connected disabilities. 

SDVI is open to Veterans who received other than 

dishonorable discharge separated from the service 

on or after April 25, 1951, and who received a 

service-connected disability rating of 0% or greater 

within the last two years.

SECONDARY MARKET – The financial market

where mortgages are bought and sold.

SERVICE-CONNECTED – A disease or injury 

determined to have occurred in or to have been 

aggravated by military service.

SERIOUS EMPLOYMENT HANDICAP – A 

significant impairment, caused in whole or in part

by a service-connected disability, in the Veteran’s 

ability to prepare for, obtain, or retain employment 

consistent with his or her abilities, aptitudes, 

and interests.

SERVICEMEMBER – An individual who is currently 

serving on active duty. This individual is also 

referred to as a “service person.”

SGLI – Servicemembers Group Life Insurance was 

established in 1965 to meet the insurance needs 

of servicemembers.

SPECIALLY ADAPTED HOUSING GRANT – A 

one‐time grant to a seriously disabled Veteran 

to assist in adapting his or her home to 

accommodate limitations caused by the disability.

SUBSISTENCE ALLOWANCE (VR&E) – A monthly 

living allowance paid to a qualified Veteran in a

program of vocational rehabilitation. The allowance 

is generally paid to those Veterans who are 

enrolled in education or training programs. The 

amount is based on training time and number 

of dependents.
C6 Annual Benefits Report FY 2009 Appendices

SURVIVORS’ AND DEPENDENTS’ EDUCATIONAL 

ASSISTANCE (DEA) – Under Chapter 35 of Title 

38, U.S. Code, a monetary educational benefit 

payable to eligible dependents and survivors 

of Veterans.

TITLE 38 CODE OF FEDERAL REGULATIONS –

Regulations that pertain to Veterans’ benefits.

TOTAL DISABILITY INCOME (INS) – An option 

available with some insurance policies that 

provides for monthly payments to policyholders 

who, prior to their 65th birthday, have incurred a 

mental or physical disability which prevents them 

from performing substantially gainful employment.

TOTAL AND PERMANENT DISABILITY – Total 

ratings are authorized for any disability or 

combination of disabilities for which the Schedule 

of Rating Disabilities prescribes a 100% evaluation 

or, where less than 100%, the requirements for 

Individual Unemployability are met. Permanence 

of total disability is considered to exist when the 

impairment is reasonably certain to continue 

throughout the life of the disabled Veteran and 

generally requires no future medical exams.

TSGLI – The Traumatic Injury Protection Program 

provides automatic traumatic injury coverage 

to all servicemembers covered under the 

Servicemembers’ Group Life Insurance (SGLI) 

program. Every member who has SGLI also has 

TSGLI effective December 1, 2005. This coverage 

applies to active duty members, reservists, 

funeral honors duty and one-day muster duty. This 

benefit is also provided retroactively for members 

who incur certain severe losses as a result of a 

traumatic injury between October 7, 2001, and 

December 1, 2005, if the loss was the direct 

result of injuries incurred in Operations Enduring 

Freedom or Iraqi Freedom.

USGLI – United States Government Life Insurance 

was established in 1919 to meet the insurance 

needs of World War I Veterans. This program 

closed in 1951.

VEAP – The Veterans Educational Assistance 

Program (Chapter 32 of Title 38, U.S. Code) is a 

contributory educational assistance program for 

Post-Vietnam Era Veterans.

VETERAN – A person who served in the active 

military, naval, or air service, and who was 

discharged or released under conditions other 

than dishonorable.

VGLI – Veterans Group Life Insurance was 

established in 1974 to meet the insurance needs 

of Veterans after separation from service.

VMLI – Veterans Mortgage Life Insurance was 

established in 1971 to provide mortgage protection 

life insurance to severely disabled Veterans who 

have received grants for the purchase of specially 

adapted housing.

VR&E – The Vocational Rehabilitation and 

Employment (VR&E) Program is available to help 

service-disabled Veterans become employable and 

live independently.

VRI – Veterans’ Reopened Insurance was 

established in 1965 to provide insurance 

protection for certain classes of disabled Veterans 

from World War II and the Korean Conflict. The

program closed in 1966.

VSLI – Veterans Special Life Insurance was 

established in 1951 to meet the insurance needs 

of Veterans who served during the Korean Conflict

and post-Korean era. The program closed in 1956.

ZERO (0) PERCENT DISABILITY – A zero percent 

disability rating means that a disability exists

and is related to the Veteran’s service but is 

not so disabling that it entitles the Veteran 

to compensation payments. Also called a 

non‐compensable disability.
Veterans Benefits Administration Making a difference D1Appendices

Internet References

VA WEBSITES

Department of Veterans Affairs Home Page ................... http://www.va.gov 

Health Care...................................http://www.va.gov/vbs/health/index.htm 

National Cemetery Administration............................http://www.cem.va.gov 

Office of Congressional Affairs................http://www.va.gov/oca/index.htm

Public Affairs & Special Events.............. http://www.va.gov/opa/index.htm 

About VA ..........................................................http://www.va.gov/about_va/

Links to VA organizations.................................................. http://www.va.gov/ 

Online Applications.................................http://www.va.gov/onlineapps.htm 

Online Forms......................................................http://www.va.gov/vaforms/ 

Facility Locator..................................................................... http://www.va.gov 

Contact Information ............................................................https://iris.va.gov/ 

Veteran Data & Information..............................http://www.va.gov/vetdata/ 

VBA WEBSITES

Veterans Benefits Administration Home Page ........http://www.vba.va.gov 

Compensation & Pension.......... http://www.vba.va.gov/bln/21/index.htm 

Education................................................................... http://www.gibill.va.gov/ 

Life Insurance...................................................http://www.insurance.va.gov/ 

Loan Guaranty................................................. http://www.homeloans.va.gov 

Vocational Rehabilitation 

& Employment.............................http://www.vba.va.gov/bln/vre/index.htm

Veterans Benefits Administration Making a difference E1Appendices

Summary of Fiscal Year 2009 Benefits

Compensation and Pension 

Estimated Veteran Population 23,066,965

Disability Compensation Recipients 3,069,652 

Estimated Monthly Disability Compensation Costs $2,841,912,601

Estimated Annual Disability Compensation Costs $34,102,951,214

Disability Compensation by Age 34 and under 294,986 

Disability Compensation by Age 35-54 919,356 

Disability Compensation by Age 55-74 1,341,967 

Disability Compensation by Age 75-84 323,830 

Disability Compensation by Age 85 and over 189,513 

Disability Pension Recipients 314,245

Estimated Monthly Disability Pension Costs $255,436,395

Estimated Annual Disability Pension Costs $3,065,236,745

Disability Pension by Age under 45 5,844 

Disability Pension by Age 45-54 22,335 

Disability Pension by Age 55-69 140,574 

Disability Pension by Age 70-84 89,761 

Disability Pension by Age 85 and over 55,731 

Education 

MGIB-AD Trainees 341,969

MGIB-SR Trainees 63,469

DEA Trainees 81,327

VEAP Trainees 448

REAP Trainees 42,881

Post 9/11 Trainees 34,393

Insurance 

Life Insurance Payments $1,732,497,998

Total Face Value of Insurance $14,658,899,456

Total Number of Policies 1,254,059

Loan Guaranty 

Number of Loans 325,690 

Total Loan Amount $68,200,786,687 

Vocational Rehabilitation and Employment 

Number of Applicants 78,127

Number of Plans Developed 28,997

Number of Entitlement Decisions 38,802

Number of Veterans Rehabilitated through Independent Living 2,477

Number of Veterans Rehabilitated by Obtaining Suitable Employment 7,868

VR&E Note: The number of Veterans Rehabilitated through Independent Living and by Obtaining Suitable Employment are calculated through 

a different data filter than that producing the National ABR totals, which yields a different summary result.

Education Note: State statistics are not available for the Post-9/11 GI Bill
E2 Annual Benefits Report FY 2009 Appendices

Alabama

Compensation and Pension 

Estimated Veteran Population 409,997 

Disability Compensation Recipients 68,468 

Estimated Monthly Disability Compensation Costs $64,203,784

Estimated Annual Disability Compensation Costs $770,445,408

Disability Compensation by Age 34 and under 5,034 

Disability Compensation by Age 35-54 22,183 

Disability Compensation by Age 55-74 32,062 

Disability Compensation by Age 75-84 6,403 

Disability Compensation by Age 85 and over 2,786 

Disability Pension Recipients 9,314

Estimated Monthly Disability Pension Costs $8,446,972

Estimated Annual Disability Pension Costs $101,363,659

Disability Pension by Age under 45 137 

Disability Pension by Age 45-54 533 

Disability Pension by Age 55-69 3,187 

Disability Pension by Age 70-84 3,382 

Disability Pension by Age 85 and over 2,075 

Education 

MGIB-AD Trainees 6,718

MGIB-SR Trainees 1,728

DEA Trainees 2,703

VEAP Trainees 8

REAP Trainees 1,269

Insurance 

Life Insurance Payments $24,488,948

Total Face Value of Insurance $207,204,299

Total Number of Policies 17,800

Loan Guaranty 

Number of Loans 7,784 

Total Loan Amount $1,464,587,779 

Vocational Rehabilitation and Employment 

Number of Applicants 2,360

Number of Plans Developed 1,111

Number of Entitlement Decisions 1,293

Number of Veterans Rehabilitated through Independent Living 272

Number of Veterans Rehabilitated by Obtaining Suitable Employment 304
Veterans Benefits Administration Making a difference E3Appendices

Alaska

Compensation and Pension 

Estimated Veteran Population 76,468 

Disability Compensation Recipients 13,446 

Estimated Monthly Disability Compensation Costs $11,020,345

Estimated Annual Disability Compensation Costs $132,244,134

Disability Compensation by Age 34 and under 1,271 

Disability Compensation by Age 35-54 6,173 

Disability Compensation by Age 55-74 5,266 

Disability Compensation by Age 75-84 551 

Disability Compensation by Age 85 and over 185 

Disability Pension Recipients 291

Estimated Monthly Disability Pension Costs $232,085

Estimated Annual Disability Pension Costs $2,785,020

Disability Pension by Age under 45 4 

Disability Pension by Age 45-54 28 

Disability Pension by Age 55-69 212 

Disability Pension by Age 70-84 32 

Disability Pension by Age 85 and over 15 

Education 

MGIB-AD Trainees 776

MGIB-SR Trainees 154

DEA Trainees 166

VEAP Trainees 2

REAP Trainees 60

Insurance 

Life Insurance Payments $2,512,930

Total Face Value of Insurance $21,262,242

Total Number of Policies 1,633

Loan Guaranty 

Number of Loans 3,071 

Total Loan Amount $813,574,679 

Vocational Rehabilitation and Employment 

Number of Applicants 321

Number of Plans Developed 128

Number of Entitlement Decisions 154

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 52
E4 Annual Benefits Report FY 2009 Appendices

Arizona

Compensation and Pension 

Estimated Veteran Population 561,387 

Disability Compensation Recipients 70,893 

Estimated Monthly Disability Compensation Costs $67,485,930

Estimated Annual Disability Compensation Costs $809,831,160

Disability Compensation by Age 34 and under 7,700 

Disability Compensation by Age 35-54 20,438 

Disability Compensation by Age 55-74 31,038 

Disability Compensation by Age 75-84 7,664 

Disability Compensation by Age 85 and over 4,053 

Disability Pension Recipients 5,052

Estimated Monthly Disability Pension Costs $3,739,095

Estimated Annual Disability Pension Costs $44,869,144

Disability Pension by Age under 45 83 

Disability Pension by Age 45-54 388 

Disability Pension by Age 55-69 2,446 

Disability Pension by Age 70-84 1,416 

Disability Pension by Age 85 and over 719 

Education 

MGIB-AD Trainees 26,822

MGIB-SR Trainees 2,005

DEA Trainees 3,137

VEAP Trainees 11

REAP Trainees 2,011

Insurance 

Life Insurance Payments $38,350,478

Total Face Value of Insurance $324,488,572

Total Number of Policies 28,015

Loan Guaranty 

Number of Loans 11,890 

Total Loan Amount $2,404,975,831 

Vocational Rehabilitation and Employment 

Number of Applicants 2,283

Number of Plans Developed 812

Number of Entitlement Decisions 1,135

Number of Veterans Rehabilitated through Independent Living 125

Number of Veterans Rehabilitated by Obtaining Suitable Employment 283
Veterans Benefits Administration Making a difference E5Appendices

Arkansas

Compensation and Pension 

Estimated Veteran Population 257,625 

Disability Compensation Recipients 38,275 

Estimated Monthly Disability Compensation Costs $45,418,723

Estimated Annual Disability Compensation Costs $545,024,676

Disability Compensation by Age 34 and under 3,612 

Disability Compensation by Age 35-54 11,353 

Disability Compensation by Age 55-74 17,678 

Disability Compensation by Age 75-84 3,700 

Disability Compensation by Age 85 and over 1,932 

Disability Pension Recipients 4,928

Estimated Monthly Disability Pension Costs $3,571,077

Estimated Annual Disability Pension Costs $42,852,926

Disability Pension by Age under 45 133 

Disability Pension by Age 45-54 383 

Disability Pension by Age 55-69 2,191 

Disability Pension by Age 70-84 1,367 

Disability Pension by Age 85 and over 854 

Education 

MGIB-AD Trainees 2,061

MGIB-SR Trainees 988

DEA Trainees 1,575

VEAP Trainees 3

REAP Trainees 886

Insurance 

Life Insurance Payments $15,210,873

Total Face Value of Insurance $128,701,251

Total Number of Policies 11,392

Loan Guaranty 

Number of Loans 3,427 

Total Loan Amount $539,304,822 

Vocational Rehabilitation and Employment 

Number of Applicants 991

Number of Plans Developed 410

Number of Entitlement Decisions 598

Number of Veterans Rehabilitated through Independent Living 15

Number of Veterans Rehabilitated by Obtaining Suitable Employment 65
E6 Annual Benefits Report FY 2009 Appendices

California

Compensation and Pension 

Estimated Veteran Population 2,025,934 

Disability Compensation Recipients 251,937 

Estimated Monthly Disability Compensation Costs $224,164,351

Estimated Annual Disability Compensation Costs $2,689,972,210

Disability Compensation by Age 34 and under 31,031 

Disability Compensation by Age 35-54 68,170 

Disability Compensation by Age 55-74 105,794 

Disability Compensation by Age 75-84 28,994 

Disability Compensation by Age 85 and over 17,948 

Disability Pension Recipients 24,436

Estimated Monthly Disability Pension Costs $20,471,677

Estimated Annual Disability Pension Costs $245,660,120

Disability Pension by Age under 45 553 

Disability Pension by Age 45-54 2,019 

Disability Pension by Age 55-69 12,048 

Disability Pension by Age 70-84 5,939 

Disability Pension by Age 85 and over 3,877 

Education 

MGIB-AD Trainees 34,942

MGIB-SR Trainees 2,987

DEA Trainees 7,017

VEAP Trainees 48

REAP Trainees 1,903

Insurance 

Life Insurance Payments $172,735,191

Total Face Value of Insurance $1,461,535,770

Total Number of Policies 120,293

Loan Guaranty 

Number of Loans 21,606 

Total Loan Amount $6,045,349,239 

Vocational Rehabilitation and Employment 

Number of Applicants 6,837

Number of Plans Developed 2,120

Number of Entitlement Decisions 3,240

Number of Veterans Rehabilitated through Independent Living 266

Number of Veterans Rehabilitated by Obtaining Suitable Employment 440
Veterans Benefits Administration Making a difference E7Appendices

Colorado

Compensation and Pension 

Estimated Veteran Population 424,228

Disability Compensation Recipients 62,380 

Estimated Monthly Disability Compensation Costs $55,712,353

Estimated Annual Disability Compensation Costs $668,548,236

Disability Compensation by Age 34 and under 6,988 

Disability Compensation by Age 35-54 21,829 

Disability Compensation by Age 55-74 25,167 

Disability Compensation by Age 75-84 5,601 

Disability Compensation by Age 85 and over 2,795 

Disability Pension Recipients 3,507

Estimated Monthly Disability Pension Costs $2,803,912

Estimated Annual Disability Pension Costs $33,646,947

Disability Pension by Age under 45 59 

Disability Pension by Age 45-54 302 

Disability Pension by Age 55-69 1,696 

Disability Pension by Age 70-84 882 

Disability Pension by Age 85 and over 568 

Education 

MGIB-AD Trainees 10,389

MGIB-SR Trainees 914

DEA Trainees 1,569

VEAP Trainees 10

REAP Trainees 732

Insurance 

Life Insurance Payments $28,547,802

Total Face Value of Insurance $241,546,808

Total Number of Policies 20,260

Loan Guaranty 

Number of Loans 12,610 

Total Loan Amount $2,912,154,176 

Vocational Rehabilitation and Employment 

Number of Applicants 1,941

Number of Plans Developed 662

Number of Entitlement Decisions 920

Number of Veterans Rehabilitated through Independent Living 22

Number of Veterans Rehabilitated by Obtaining Suitable Employment 304

*VR&E total includes Wyoming.
E8 Annual Benefits Report FY 2009 Appendices

Connecticut 

Compensation and Pension 

Estimated Veteran Population 237,696

Disability Compensation Recipients 20,479 

Estimated Monthly Disability Compensation Costs $16,801,320

Estimated Annual Disability Compensation Costs $201,615,840

Disability Compensation by Age 34 and under 2,235 

Disability Compensation by Age 35-54 4,785 

Disability Compensation by Age 55-74 8,352 

Disability Compensation by Age 75-84 2,629 

Disability Compensation by Age 85 and over 2,478 

Disability Pension Recipients 1,900

Estimated Monthly Disability Pension Costs $1,188,457

Estimated Annual Disability Pension Costs $14,261,490

Disability Pension by Age under 45 27 

Disability Pension by Age 45-54 83 

Disability Pension by Age 55-69 703 

Disability Pension by Age 70-84 547 

Disability Pension by Age 85 and over 540 

Education 

MGIB-AD Trainees 1,771

MGIB-SR Trainees 490

DEA Trainees 357

VEAP Trainees 4

REAP Trainees 375

Insurance 

Life Insurance Payments $26,751,535

Total Face Value of Insurance $226,348,348

Total Number of Policies 19,544

Loan Guaranty 

Number of Loans 1,150 

Total Loan Amount $276,082,995 

Vocational Rehabilitation and Employment 

Number of Applicants 660

Number of Plans Developed 318

Number of Entitlement Decisions 411

Number of Veterans Rehabilitated through Independent Living 70

Number of Veterans Rehabilitated by Obtaining Suitable Employment 60
Veterans Benefits Administration Making a difference E9Appendices

Delaware

Compensation and Pension 

Estimated Veteran Population 79,166 

Disability Compensation Recipients 9,247 

Estimated Monthly Disability Compensation Costs $7,944,983

Estimated Annual Disability Compensation Costs $95,339,796

Disability Compensation by Age 34 and under 681 

Disability Compensation by Age 35-54 3,066 

Disability Compensation by Age 55-74 4,020 

Disability Compensation by Age 75-84 1,000 

Disability Compensation by Age 85 and over 480 

Disability Pension Recipients 541

Estimated Monthly Disability Pension Costs $380,387

Estimated Annual Disability Pension Costs $4,564,642

Disability Pension by Age under 45 11 

Disability Pension by Age 45-54 32 

Disability Pension by Age 55-69 248 

Disability Pension by Age 70-84 154 

Disability Pension by Age 85 and over 96 

Education 

MGIB-AD Trainees 599

MGIB-SR Trainees 169

DEA Trainees 244

VEAP Trainees 1

REAP Trainees 132

Insurance 

Life Insurance Payments $5,506,982

Total Face Value of Insurance $46,595,320

Total Number of Policies 4,337

Loan Guaranty 

Number of Loans 1,196 

Total Loan Amount $301,613,449 

Vocational Rehabilitation and Employment 

Number of Applicants 175

Number of Plans Developed 70

Number of Entitlement Decisions 97

Number of Veterans Rehabilitated through Independent Living 1

Number of Veterans Rehabilitated by Obtaining Suitable Employment 47
E10 Annual Benefits Report FY 2009 Appendices

District of Columbia

Compensation and Pension 

Estimated Veteran Population 37,948 

Disability Compensation Recipients 4,327 

Estimated Monthly Disability Compensation Costs $3,596,952

Estimated Annual Disability Compensation Costs $43,163,424

Disability Compensation by Age 34 and under 389 

Disability Compensation by Age 35-54 1,279 

Disability Compensation by Age 55-74 1,786 

Disability Compensation by Age 75-84 539 

Disability Compensation by Age 85 and over 334 

Disability Pension Recipients 792

Estimated Monthly Disability Pension Costs $552,075

Estimated Annual Disability Pension Costs $6,624,896

Disability Pension by Age under 45 11 

Disability Pension by Age 45-54 51 

Disability Pension by Age 55-69 391 

Disability Pension by Age 70-84 248 

Disability Pension by Age 85 and over 91 

Education 

MGIB-AD Trainees 791

MGIB-SR Trainees 48

DEA Trainees 173

VEAP Trainees 3

REAP Trainees 69

Insurance 

Life Insurance Payments $2,992,351

Total Face Value of Insurance $25,318,682

Total Number of Policies 2,079

Loan Guaranty 

Number of Loans 247 

Total Loan Amount $95,566,809 

Vocational Rehabilitation and Employment 

Number of Applicants 1,316

Number of Plans Developed 332

Number of Entitlement Decisions 459

Number of Veterans Rehabilitated through Independent Living 2

Number of Veterans Rehabilitated by Obtaining Suitable Employment 47
Veterans Benefits Administration Making a difference E11Appendices

Florida

Compensation and Pension 

Estimated Veteran Population 1,683,899 

Disability Compensation Recipients 240,102 

Estimated Monthly Disability Compensation Costs $215,930,178

Estimated Annual Disability Compensation Costs $2,591,162,130

Disability Compensation by Age 34 and under 18,231 

Disability Compensation by Age 35-54 71,767 

Disability Compensation by Age 55-74 102,109 

Disability Compensation by Age 75-84 30,112 

Disability Compensation by Age 85 and over 17,883 

Disability Pension Recipients 21,970

Estimated Monthly Disability Pension Costs $18,759,131

Estimated Annual Disability Pension Costs $225,109,567

Disability Pension by Age under 45 390 

Disability Pension by Age 45-54 1,469 

Disability Pension by Age 55-69 9,772 

Disability Pension by Age 70-84 6,073 

Disability Pension by Age 85 and over 4,266 

Education 

MGIB-AD Trainees 26,167

MGIB-SR Trainees 2,678

DEA Trainees 5,788

VEAP Trainees 28

REAP Trainees 1,733

Insurance 

Life Insurance Payments $154,544,457

Total Face Value of Insurance $1,307,621,512

Total Number of Policies 111,114

Loan Guaranty 

Number of Loans 19,679 

Total Loan Amount $3,915,497,897 

Vocational Rehabilitation and Employment 

Number of Applicants 5,053

Number of Plans Developed 1,953

Number of Entitlement Decisions 2,187

Number of Veterans Rehabilitated through Independent Living 113

Number of Veterans Rehabilitated by Obtaining Suitable Employment 418
E12 Annual Benefits Report FY 2009 Appendices

Georgia

Compensation and Pension 

Estimated Veteran Population 772,832 

Disability Compensation Recipients 112,075 

Estimated Monthly Disability Compensation Costs $99,865,146

Estimated Annual Disability Compensation Costs $1,198,381,746

Disability Compensation by Age 34 and under 10,276 

Disability Compensation by Age 35-54 44,534 

Disability Compensation by Age 55-74 45,954 

Disability Compensation by Age 75-84 7,895 

Disability Compensation by Age 85 and over 3,416 

Disability Pension Recipients 11,049

Estimated Monthly Disability Pension Costs $9,129,803

Estimated Annual Disability Pension Costs $109,557,640

Disability Pension by Age under 45 256 

Disability Pension by Age 45-54 845 

Disability Pension by Age 55-69 5,177 

Disability Pension by Age 70-84 2,905 

Disability Pension by Age 85 and over 1,866 

Education 

MGIB-AD Trainees 11,909

MGIB-SR Trainees 2,128

DEA Trainees 3,192

VEAP Trainees 13

REAP Trainees 994

Insurance 

Life Insurance Payments $41,209,736

Total Face Value of Insurance $348,681,139

Total Number of Policies 30,203

Loan Guaranty 

Number of Loans 15,915 

Total Loan Amount $2,941,783,596 

Vocational Rehabilitation and Employment 

Number of Applicants 3,568

Number of Plans Developed 817

Number of Entitlement Decisions 1,219

Number of Veterans Rehabilitated through Independent Living 108

Number of Veterans Rehabilitated by Obtaining Suitable Employment 309
Veterans Benefits Administration Making a difference E13Appendices

Hawaii

Compensation and Pension 

Estimated Veteran Population 117,254 

Disability Compensation Recipients 16,755 

Estimated Monthly Disability Compensation Costs $15,396,488

Estimated Annual Disability Compensation Costs $184,757,850

Disability Compensation by Age 34 and under 1,437 

Disability Compensation by Age 35-54 5,190 

Disability Compensation by Age 55-74 7,156 

Disability Compensation by Age 75-84 1,936 

Disability Compensation by Age 85 and over 1,036 

Disability Pension Recipients 680

Estimated Monthly Disability Pension Costs $524,297

Estimated Annual Disability Pension Costs $6,291,562

Disability Pension by Age under 45 13 

Disability Pension by Age 45-54 58 

Disability Pension by Age 55-69 438 

Disability Pension by Age 70-84 124 

Disability Pension by Age 85 and over 47 

Education 

MGIB-AD Trainees 1,591

MGIB-SR Trainees 377

DEA Trainees 374

VEAP Trainees 3

REAP Trainees 176

Insurance 

Life Insurance Payments $15,597,368

Total Face Value of Insurance $131,971,433

Total Number of Policies 9,454

Loan Guaranty 

Number of Loans 2,242 

Total Loan Amount $963,770,629 

Vocational Rehabilitation and Employment 

Number of Applicants 586

Number of Plans Developed 176

Number of Entitlement Decisions 209

Number of Veterans Rehabilitated through Independent Living 16

Number of Veterans Rehabilitated by Obtaining Suitable Employment 110
E14 Annual Benefits Report FY 2009 Appendices

Idaho

Compensation and Pension 

Estimated Veteran Population 137,099

Disability Compensation Recipients 19,041 

Estimated Monthly Disability Compensation Costs $17,022,338

Estimated Annual Disability Compensation Costs $204,268,056

Disability Compensation by Age 34 and under 2,052 

Disability Compensation by Age 35-54 5,747 

Disability Compensation by Age 55-74 8,297 

Disability Compensation by Age 75-84 1,890 

Disability Compensation by Age 85 and over 1,055 

Disability Pension Recipients 1,388

Estimated Monthly Disability Pension Costs $1,085,722

Estimated Annual Disability Pension Costs $13,028,661

Disability Pension by Age under 45 24 

Disability Pension by Age 45-54 94 

Disability Pension by Age 55-69 610 

Disability Pension by Age 70-84 401 

Disability Pension by Age 85 and over 259 

Education 

MGIB-AD Trainees 1,491

MGIB-SR Trainees 545

DEA Trainees 376

VEAP Trainees 2

REAP Trainees 337

Insurance 

Life Insurance Payments $7,799,900

Total Face Value of Insurance $65,996,007

Total Number of Policies 5,847

Loan Guaranty 

Number of Loans 2,705 

Total Loan Amount $498,038,642 

Vocational Rehabilitation and Employment 

Number of Applicants 356

Number of Plans Developed 136

Number of Entitlement Decisions 200

Number of Veterans Rehabilitated through Independent Living 2

Number of Veterans Rehabilitated by Obtaining Suitable Employment 60
Veterans Benefits Administration Making a difference E15Appendices

Illinois

Compensation and Pension 

Estimated Veteran Population 802,834 

Disability Compensation Recipients 70,873 

Estimated Monthly Disability Compensation Costs $60,348,547

Estimated Annual Disability Compensation Costs $724,182,558

Disability Compensation by Age 34 and under 8,892 

Disability Compensation by Age 35-54 20,046 

Disability Compensation by Age 55-74 30,493 

Disability Compensation by Age 75-84 6,473 

Disability Compensation by Age 85 and over 4,969 

Disability Pension Recipients 9,077

Estimated Monthly Disability Pension Costs $7,209,881

Estimated Annual Disability Pension Costs $86,518,568

Disability Pension by Age under 45 151 

Disability Pension by Age 45-54 615 

Disability Pension by Age 55-69 4,661 

Disability Pension by Age 70-84 2,341 

Disability Pension by Age 85 and over 1,309 

Education 

MGIB-AD Trainees 15,659

MGIB-SR Trainees 2,491

DEA Trainees 2,025

VEAP Trainees 19

REAP Trainees 1,770

Insurance 

Life Insurance Payments $70,730,845

Total Face Value of Insurance $598,463,229

Total Number of Policies 47,809

Loan Guaranty 

Number of Loans 6,607 

Total Loan Amount $1,234,091,668 

Vocational Rehabilitation and Employment 

Number of Applicants 1,468

Number of Plans Developed 528

Number of Entitlement Decisions 775

Number of Veterans Rehabilitated through Independent Living 12

Number of Veterans Rehabilitated by Obtaining Suitable Employment 111
E16 Annual Benefits Report FY 2009 Appendices

Indiana

Compensation and Pension 

Estimated Veteran Population 500,806 

Disability Compensation Recipients 57,069 

Estimated Monthly Disability Compensation Costs $44,919,401

Estimated Annual Disability Compensation Costs $539,032,812

Disability Compensation by Age 34 and under 5,225 

Disability Compensation by Age 35-54 16,457 

Disability Compensation by Age 55-74 26,291 

Disability Compensation by Age 75-84 5,620 

Disability Compensation by Age 85 and over 3,476 

Disability Pension Recipients 4,821

Estimated Monthly Disability Pension Costs $4,080,229

Estimated Annual Disability Pension Costs $48,962,748

Disability Pension by Age under 45 97 

Disability Pension by Age 45-54 355 

Disability Pension by Age 55-69 2,201 

Disability Pension by Age 70-84 1,302 

Disability Pension by Age 85 and over 866 

Education 

MGIB-AD Trainees 4,001

MGIB-SR Trainees 1,757

DEA Trainees 1,085

VEAP Trainees 8

REAP Trainees 958

Insurance 

Life Insurance Payments $26,223,706

Total Face Value of Insurance $221,882,320

Total Number of Policies 18,876

Loan Guaranty 

Number of Loans 4,974 

Total Loan Amount $731,005,725 

Vocational Rehabilitation and Employment 

Number of Applicants 1,575

Number of Plans Developed 757

Number of Entitlement Decisions 1,005

Number of Veterans Rehabilitated through Independent Living 78

Number of Veterans Rehabilitated by Obtaining Suitable Employment 106
Veterans Benefits Administration Making a difference E17Appendices

Iowa

Compensation and Pension 

Estimated Veteran Population 240,317 

Disability Compensation Recipients 26,454 

Estimated Monthly Disability Compensation Costs $21,940,519

Estimated Annual Disability Compensation Costs $263,286,228

Disability Compensation by Age 34 and under 2,539 

Disability Compensation by Age 35-54 6,804 

Disability Compensation by Age 55-74 11,530 

Disability Compensation by Age 75-84 3,477 

Disability Compensation by Age 85 and over 2,104 

Disability Pension Recipients 3,538

Estimated Monthly Disability Pension Costs $2,941,882

Estimated Annual Disability Pension Costs $35,302,580

Disability Pension by Age under 45 45 

Disability Pension by Age 45-54 266 

Disability Pension by Age 55-69 1,388 

Disability Pension by Age 70-84 1,118 

Disability Pension by Age 85 and over 721 

Education 

MGIB-AD Trainees 5,694

MGIB-SR Trainees 1,568

DEA Trainees 719

VEAP Trainees 4

REAP Trainees 1,028

Insurance 

Life Insurance Payments $21,447,727

Total Face Value of Insurance $181,472,110

Total Number of Policies 14,098

Loan Guaranty 

Number of Loans 1,879 

Total Loan Amount $295,061,952 

Vocational Rehabilitation and Employment 

Number of Applicants 652

Number of Plans Developed 394

Number of Entitlement Decisions 491

Number of Veterans Rehabilitated through Independent Living 43

Number of Veterans Rehabilitated by Obtaining Suitable Employment 40
E18 Annual Benefits Report FY 2009 Appendices

Kansas

Compensation and Pension 

Estimated Veteran Population 229,145

Disability Compensation Recipients 28,028 

Estimated Monthly Disability Compensation Costs $23,208,320

Estimated Annual Disability Compensation Costs $278,499,840

Disability Compensation by Age 34 and under 2,724 

Disability Compensation by Age 35-54 8,684 

Disability Compensation by Age 55-74 11,986 

Disability Compensation by Age 75-84 2,809 

Disability Compensation by Age 85 and over 1,825 

Disability Pension Recipients 2,762

Estimated Monthly Disability Pension Costs $2,149,474

Estimated Annual Disability Pension Costs $25,793,684

Disability Pension by Age under 45 58 

Disability Pension by Age 45-54 207 

Disability Pension by Age 55-69 1,315 

Disability Pension by Age 70-84 706 

Disability Pension by Age 85 and over 476 

Education 

MGIB-AD Trainees 2,953

MGIB-SR Trainees 771

DEA Trainees 654

VEAP Trainees 4

REAP Trainees 565

Insurance 

Life Insurance Payments $16,575,579

Total Face Value of Insurance $140,248,215

Total Number of Policies 11,682

Loan Guaranty 

Number of Loans 3,726 

Total Loan Amount $625,678,636 

Vocational Rehabilitation and Employment 

Number of Applicants 436

Number of Plans Developed 174

Number of Entitlement Decisions 233

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 76
Veterans Benefits Administration Making a difference E19Appendices

Kentucky

Compensation and Pension 

Estimated Veteran Population 339,942 

Disability Compensation Recipients 49,199 

Estimated Monthly Disability Compensation Costs $52,498,019

Estimated Annual Disability Compensation Costs $629,976,228

Disability Compensation by Age 34 and under 4,323 

Disability Compensation by Age 35-54 14,968 

Disability Compensation by Age 55-74 22,566 

Disability Compensation by Age 75-84 4,746 

Disability Compensation by Age 85 and over 2,596 

Disability Pension Recipients 5,882

Estimated Monthly Disability Pension Costs $4,513,035

Estimated Annual Disability Pension Costs $54,156,419

Disability Pension by Age under 45 98 

Disability Pension by Age 45-54 440 

Disability Pension by Age 55-69 2,778 

Disability Pension by Age 70-84 1,685 

Disability Pension by Age 85 and over 881 

Education 

MGIB-AD Trainees 3,075

MGIB-SR Trainees 1,050

DEA Trainees 1,588

VEAP Trainees 6

REAP Trainees 669

Insurance 

Life Insurance Payments $18,123,080

Total Face Value of Insurance $153,341,826

Total Number of Policies 13,277

Loan Guaranty 

Number of Loans 4,260 

Total Loan Amount $697,957,434 

Vocational Rehabilitation and Employment 

Number of Applicants 1,261

Number of Plans Developed 578

Number of Entitlement Decisions 695

Number of Veterans Rehabilitated through Independent Living 57

Number of Veterans Rehabilitated by Obtaining Suitable Employment 150
E20 Annual Benefits Report FY 2009 Appendices

Louisiana

Compensation and Pension 

Estimated Veteran Population 312,087 

Disability Compensation Recipients 41,159 

Estimated Monthly Disability Compensation Costs $42,188,815

Estimated Annual Disability Compensation Costs $506,265,780

Disability Compensation by Age 34 and under 4,277 

Disability Compensation by Age 35-54 11,770 

Disability Compensation by Age 55-74 18,901 

Disability Compensation by Age 75-84 4,180 

Disability Compensation by Age 85 and over 2,031 

Disability Pension Recipients 7,902

Estimated Monthly Disability Pension Costs $6,285,634

Estimated Annual Disability Pension Costs $75,427,608

Disability Pension by Age under 45 153 

Disability Pension by Age 45-54 525 

Disability Pension by Age 55-69 3,434 

Disability Pension by Age 70-84 2,380 

Disability Pension by Age 85 and over 1,410 

Education 

MGIB-AD Trainees 3,101

MGIB-SR Trainees 1,360

DEA Trainees 1,471

VEAP Trainees 4

REAP Trainees 716

Insurance 

Life Insurance Payments $19,799,067

Total Face Value of Insurance $167,522,581

Total Number of Policies 14,076

Loan Guaranty 

Number of Loans 3,673 

Total Loan Amount $681,242,764 

Vocational Rehabilitation and Employment 

Number of Applicants 1,084

Number of Plans Developed 371

Number of Entitlement Decisions 529

Number of Veterans Rehabilitated through Independent Living 15

Number of Veterans Rehabilitated by Obtaining Suitable Employment 107
Veterans Benefits Administration Making a difference E21Appendices

Maine

Compensation and Pension 

Estimated Veteran Population 140,552

Disability Compensation Recipients 22,346 

Estimated Monthly Disability Compensation Costs $25,881,707

Estimated Annual Disability Compensation Costs $310,580,484

Disability Compensation by Age 34 and under 1,747 

Disability Compensation by Age 35-54 6,202 

Disability Compensation by Age 55-74 10,474 

Disability Compensation by Age 75-84 2,574 

Disability Compensation by Age 85 and over 1,349 

Disability Pension Recipients 2,275

Estimated Monthly Disability Pension Costs $1,659,137

Estimated Annual Disability Pension Costs $19,909,646

Disability Pension by Age under 45 65 

Disability Pension by Age 45-54 173 

Disability Pension by Age 55-69 1,102 

Disability Pension by Age 70-84 648 

Disability Pension by Age 85 and over 287 

Education 

MGIB-AD Trainees 811

MGIB-SR Trainees 274

DEA Trainees 679

VEAP Trainees 2

REAP Trainees 154

Insurance 

Life Insurance Payments $9,700,974

Total Face Value of Insurance $82,081,253

Total Number of Policies 7,567

Loan Guaranty 

Number of Loans 992 

Total Loan Amount $179,805,296 

Vocational Rehabilitation and Employment 

Number of Applicants 450

Number of Plans Developed 203

Number of Entitlement Decisions 306

Number of Veterans Rehabilitated through Independent Living 20

Number of Veterans Rehabilitated by Obtaining Suitable Employment 66
E22 Annual Benefits Report FY 2009 Appendices

Maryland

Compensation and Pension 

Estimated Veteran Population 476,202 

Disability Compensation Recipients 56,221 

Estimated Monthly Disability Compensation Costs $45,801,252

Estimated Annual Disability Compensation Costs $549,615,018

Disability Compensation by Age 34 and under 5,680 

Disability Compensation by Age 35-54 21,833 

Disability Compensation by Age 55-74 21,648 

Disability Compensation by Age 75-84 4,296 

Disability Compensation by Age 85 and over 2,764 

Disability Pension Recipients 3,339

Estimated Monthly Disability Pension Costs $2,643,385

Estimated Annual Disability Pension Costs $31,720,618

Disability Pension by Age under 45 58 

Disability Pension by Age 45-54 264 

Disability Pension by Age 55-69 1,599 

Disability Pension by Age 70-84 948 

Disability Pension by Age 85 and over 470 

Education 

MGIB-AD Trainees 7,854

MGIB-SR Trainees 649

DEA Trainees 979

VEAP Trainees 13

REAP Trainees 590

Insurance 

Life Insurance Payments $35,498,262

Total Face Value of Insurance $300,355,591

Total Number of Policies 24,152

Loan Guaranty 

Number of Loans 8,716 

Total Loan Amount $2,700,495,536 

Vocational Rehabilitation and Employment 

Number of Applicants 828

Number of Plans Developed 371

Number of Entitlement Decisions 463

Number of Veterans Rehabilitated through Independent Living 14

Number of Veterans Rehabilitated by Obtaining Suitable Employment 121
Veterans Benefits Administration Making a difference E23Appendices

Massachusetts

Compensation and Pension 

Estimated Veteran Population 409,184 

Disability Compensation Recipients 52,460 

Estimated Monthly Disability Compensation Costs $46,255,472

Estimated Annual Disability Compensation Costs $555,065,664

Disability Compensation by Age 34 and under 3,841 

Disability Compensation by Age 35-54 9,933 

Disability Compensation by Age 55-74 21,741 

Disability Compensation by Age 75-84 9,974 

Disability Compensation by Age 85 and over 6,971 

Disability Pension Recipients 4,039

Estimated Monthly Disability Pension Costs $3,073,691

Estimated Annual Disability Pension Costs $36,884,297

Disability Pension by Age under 45 54 

Disability Pension by Age 45-54 294 

Disability Pension by Age 55-69 1,746 

Disability Pension by Age 70-84 1,159 

Disability Pension by Age 85 and over 786 

Education 

MGIB-AD Trainees 3,331

MGIB-SR Trainees 872

DEA Trainees 1,046

VEAP Trainees 10

REAP Trainees 750

Insurance 

Life Insurance Payments $44,690,689

Total Face Value of Insurance $378,133,957

Total Number of Policies 35,233

Loan Guaranty 

Number of Loans 1,971 

Total Loan Amount $507,135,704 

Vocational Rehabilitation and Employment 

Number of Applicants 711

Number of Plans Developed 230

Number of Entitlement Decisions 338

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 47
E24 Annual Benefits Report FY 2009 Appendices

Michigan

Compensation and Pension 

Estimated Veteran Population 723,368 

Disability Compensation Recipients 70,754 

Estimated Monthly Disability Compensation Costs $64,027,364

Estimated Annual Disability Compensation Costs $768,328,368

Disability Compensation by Age 34 and under 5,405 

Disability Compensation by Age 35-54 17,635 

Disability Compensation by Age 55-74 34,083 

Disability Compensation by Age 75-84 7,757 

Disability Compensation by Age 85 and over 5,874 

Disability Pension Recipients 9,733

Estimated Monthly Disability Pension Costs $8,923,163

Estimated Annual Disability Pension Costs $107,077,961

Disability Pension by Age under 45 232 

Disability Pension by Age 45-54 786 

Disability Pension by Age 55-69 4,823 

Disability Pension by Age 70-84 2,268 

Disability Pension by Age 85 and over 1,624 

Education 

MGIB-AD Trainees 5,254

MGIB-SR Trainees 1,461

DEA Trainees 1,715

VEAP Trainees 16

REAP Trainees 898

Insurance 

Life Insurance Payments $47,353,993

Total Face Value of Insurance $400,668,526

Total Number of Policies 36,181

Loan Guaranty 

Number of Loans 3,391 

Total Loan Amount $515,625,058 

Vocational Rehabilitation and Employment 

Number of Applicants 1,859

Number of Plans Developed 940

Number of Entitlement Decisions 1,171

Number of Veterans Rehabilitated through Independent Living 185

Number of Veterans Rehabilitated by Obtaining Suitable Employment 77
Veterans Benefits Administration Making a difference E25Appendices

Minnesota

Compensation and Pension 

Estimated Veteran Population 390,576

Disability Compensation Recipients 62,596 

Estimated Monthly Disability Compensation Costs $50,894,996

Estimated Annual Disability Compensation Costs $610,739,952

Disability Compensation by Age 34 and under 5,303 

Disability Compensation by Age 35-54 12,498 

Disability Compensation by Age 55-74 29,440 

Disability Compensation by Age 75-84 9,989 

Disability Compensation by Age 85 and over 5,366 

Disability Pension Recipients 4,298

Estimated Monthly Disability Pension Costs $3,208,023

Estimated Annual Disability Pension Costs $38,496,279

Disability Pension by Age under 45 76 

Disability Pension by Age 45-54 331 

Disability Pension by Age 55-69 1,656 

Disability Pension by Age 70-84 1,316 

Disability Pension by Age 85 and over 919 

Education 

MGIB-AD Trainees 5,185

MGIB-SR Trainees 1,895

DEA Trainees 1,442

VEAP Trainees 10

REAP Trainees 1,259

Insurance 

Life Insurance Payments $36,948,674

Total Face Value of Insurance $312,627,717

Total Number of Policies 28,531

Loan Guaranty 

Number of Loans 3,250 

Total Loan Amount $639,093,033 

Vocational Rehabilitation and Employment 

Number of Applicants 1,123

Number of Plans Developed 442

Number of Entitlement Decisions 621

Number of Veterans Rehabilitated through Independent Living 14

Number of Veterans Rehabilitated by Obtaining Suitable Employment 122
E26 Annual Benefits Report FY 2009 Appendices

Mississippi

Compensation and Pension 

Estimated Veteran Population 209,242 

Disability Compensation Recipients 29,463 

Estimated Monthly Disability Compensation Costs $27,790,194

Estimated Annual Disability Compensation Costs $333,482,322

Disability Compensation by Age 34 and under 2,172 

Disability Compensation by Age 35-54 9,130 

Disability Compensation by Age 55-74 13,404 

Disability Compensation by Age 75-84 3,168 

Disability Compensation by Age 85 and over 1,589 

Disability Pension Recipients 4,905

Estimated Monthly Disability Pension Costs $3,542,018

Estimated Annual Disability Pension Costs $42,504,221

Disability Pension by Age under 45 71 

Disability Pension by Age 45-54 269 

Disability Pension by Age 55-69 1,805 

Disability Pension by Age 70-84 1,619 

Disability Pension by Age 85 and over 1,141 

Education 

MGIB-AD Trainees 1,605

MGIB-SR Trainees 1,247

DEA Trainees 787

VEAP Trainees 3

REAP Trainees 657

Insurance 

Life Insurance Payments $11,952,098

Total Face Value of Insurance $101,128,315

Total Number of Policies 8,746

Loan Guaranty 

Number of Loans 2,257 

Total Loan Amount $392,784,834 

Vocational Rehabilitation and Employment 

Number of Applicants 641

Number of Plans Developed 247

Number of Entitlement Decisions 271

Number of Veterans Rehabilitated through Independent Living 28

Number of Veterans Rehabilitated by Obtaining Suitable Employment 41
Veterans Benefits Administration Making a difference E27Appendices

Missouri

Compensation and Pension 

Estimated Veteran Population 514,724 

Disability Compensation Recipients 63,171 

Estimated Monthly Disability Compensation Costs $56,892,187

Estimated Annual Disability Compensation Costs $682,706,244

Disability Compensation by Age 34 and under 5,238 

Disability Compensation by Age 35-54 17,198 

Disability Compensation by Age 55-74 29,407 

Disability Compensation by Age 75-84 7,252 

Disability Compensation by Age 85 and over 4,076 

Disability Pension Recipients 8,204

Estimated Monthly Disability Pension Costs $7,173,451

Estimated Annual Disability Pension Costs $86,081,411

Disability Pension by Age under 45 106 

Disability Pension by Age 45-54 562 

Disability Pension by Age 55-69 3,489 

Disability Pension by Age 70-84 2,466 

Disability Pension by Age 85 and over 1,581 

Education 

MGIB-AD Trainees 8,909

MGIB-SR Trainees 1,797

DEA Trainees 1,460

VEAP Trainees 12

REAP Trainees 1,784

Insurance 

Life Insurance Payments $33,034,989

Total Face Value of Insurance $279,513,506

Total Number of Policies 24,023

Loan Guaranty 

Number of Loans 6,548 

Total Loan Amount $1,084,984,538 

Vocational Rehabilitation and Employment 

Number of Applicants 1,436

Number of Plans Developed 520

Number of Entitlement Decisions 713

Number of Veterans Rehabilitated through Independent Living 44

Number of Veterans Rehabilitated by Obtaining Suitable Employment 160
E28 Annual Benefits Report FY 2009 Appendices

Montana

Compensation and Pension 

Estimated Veteran Population 102,986 

Disability Compensation Recipients 17,026 

Estimated Monthly Disability Compensation Costs $15,940,665

Estimated Annual Disability Compensation Costs $191,287,980

Disability Compensation by Age 34 and under 2,025 

Disability Compensation by Age 35-54 4,723 

Disability Compensation by Age 55-74 7,792 

Disability Compensation by Age 75-84 1,620 

Disability Compensation by Age 85 and over 866 

Disability Pension Recipients 1,609

Estimated Monthly Disability Pension Costs $1,260,085

Estimated Annual Disability Pension Costs $15,121,022

Disability Pension by Age under 45 24 

Disability Pension by Age 45-54 125 

Disability Pension by Age 55-69 760 

Disability Pension by Age 70-84 431 

Disability Pension by Age 85 and over 269 

Education 

MGIB-AD Trainees 979

MGIB-SR Trainees 338

DEA Trainees 312

VEAP Trainees 2

REAP Trainees 164

Insurance 

Life Insurance Payments $7,132,068

Total Face Value of Insurance $60,345,390

Total Number of Policies 5,121

Loan Guaranty 

Number of Loans 1,682 

Total Loan Amount $320,242,935 

Vocational Rehabilitation and Employment 

Number of Applicants 526

Number of Plans Developed 307

Number of Entitlement Decisions 357

Number of Veterans Rehabilitated through Independent Living 9

Number of Veterans Rehabilitated by Obtaining Suitable Employment 66
Veterans Benefits Administration Making a difference E29Appendices

Nebraska

Compensation and Pension 

Estimated Veteran Population 147,928

Disability Compensation Recipients 32,407 

Estimated Monthly Disability Compensation Costs $26,215,407

Estimated Annual Disability Compensation Costs $314,584,884

Disability Compensation by Age 34 and under 2,678 

Disability Compensation by Age 35-54 7,990 

Disability Compensation by Age 55-74 13,950 

Disability Compensation by Age 75-84 5,495 

Disability Compensation by Age 85 and over 2,294 

Disability Pension Recipients 1,693

Estimated Monthly Disability Pension Costs $1,423,840

Estimated Annual Disability Pension Costs $17,086,077

Disability Pension by Age under 45 33 

Disability Pension by Age 45-54 126 

Disability Pension by Age 55-69 772 

Disability Pension by Age 70-84 480 

Disability Pension by Age 85 and over 282 

Education 

MGIB-AD Trainees 3,145

MGIB-SR Trainees 799

DEA Trainees 806

VEAP Trainees 4

REAP Trainees 662

Insurance 

Life Insurance Payments $13,156,293

Total Face Value of Insurance $111,317,169

Total Number of Policies 9,070

Loan Guaranty 

Number of Loans 3,001 

Total Loan Amount $508,465,588 

Vocational Rehabilitation and Employment 

Number of Applicants 533

Number of Plans Developed 305

Number of Entitlement Decisions 414

Number of Veterans Rehabilitated through Independent Living 36

Number of Veterans Rehabilitated by Obtaining Suitable Employment 66
E30 Annual Benefits Report FY 2009 Appendices

Nevada

Compensation and Pension 

Estimated Veteran Population 245,064 

Disability Compensation Recipients 29,992 

Estimated Monthly Disability Compensation Costs $27,034,328

Estimated Annual Disability Compensation Costs $324,411,936

Disability Compensation by Age 34 and under 2,882 

Disability Compensation by Age 35-54 9,092 

Disability Compensation by Age 55-74 13,804 

Disability Compensation by Age 75-84 2,953 

Disability Compensation by Age 85 and over 1,261 

Disability Pension Recipients 2,955

Estimated Monthly Disability Pension Costs $2,281,526

Estimated Annual Disability Pension Costs $27,378,306

Disability Pension by Age under 45 49 

Disability Pension by Age 45-54 219 

Disability Pension by Age 55-69 1,516 

Disability Pension by Age 70-84 825 

Disability Pension by Age 85 and over 346 

Education 

MGIB-AD Trainees 2,647

MGIB-SR Trainees 353

DEA Trainees 550

VEAP Trainees 2

REAP Trainees 176

Insurance 

Life Insurance Payments $11,827,352

Total Face Value of Insurance $100,072,823

Total Number of Policies 9,105

Loan Guaranty 

Number of Loans 5,830 

Total Loan Amount $1,271,690,115 

Vocational Rehabilitation and Employment 

Number of Applicants 634

Number of Plans Developed 244

Number of Entitlement Decisions 390

Number of Veterans Rehabilitated through Independent Living 9

Number of Veterans Rehabilitated by Obtaining Suitable Employment 92
Veterans Benefits Administration Making a difference E31Appendices

New Hampshire

Compensation and Pension 

Estimated Veteran Population 129,629 

Disability Compensation Recipients 15,247 

Estimated Monthly Disability Compensation Costs $13,064,241

Estimated Annual Disability Compensation Costs $156,770,892

Disability Compensation by Age 34 and under 1,237 

Disability Compensation by Age 35-54 4,212 

Disability Compensation by Age 55-74 6,897 

Disability Compensation by Age 75-84 1,897 

Disability Compensation by Age 85 and over 1,004 

Disability Pension Recipients 910

Estimated Monthly Disability Pension Costs $772,335

Estimated Annual Disability Pension Costs $9,268,024

Disability Pension by Age under 45 7 

Disability Pension by Age 45-54 46 

Disability Pension by Age 55-69 337 

Disability Pension by Age 70-84 286 

Disability Pension by Age 85 and over 234 

Education 

MGIB-AD Trainees 706

MGIB-SR Trainees 231

DEA Trainees 263

VEAP Trainees 2

REAP Trainees 124

Insurance 

Life Insurance Payments $9,184,044

Total Face Value of Insurance $77,707,434

Total Number of Policies 6,912

Loan Guaranty 

Number of Loans 1,134 

Total Loan Amount $264,007,845 

Vocational Rehabilitation and Employment 

Number of Applicants 301

Number of Plans Developed 127

Number of Entitlement Decisions 152

Number of Veterans Rehabilitated through Independent Living 2

Number of Veterans Rehabilitated by Obtaining Suitable Employment 31
E32 Annual Benefits Report FY 2009 Appendices

New Jersey

Compensation and Pension 

Estimated Veteran Population 463,720 

Disability Compensation Recipients 48,502 

Estimated Monthly Disability Compensation Costs $44,274,545

Estimated Annual Disability Compensation Costs $531,294,544

Disability Compensation by Age 34 and under 3,841 

Disability Compensation by Age 35-54 9,714 

Disability Compensation by Age 55-74 21,037 

Disability Compensation by Age 75-84 7,752 

Disability Compensation by Age 85 and over 6,158 

Disability Pension Recipients 3,067

Estimated Monthly Disability Pension Costs $2,562,626

Estimated Annual Disability Pension Costs $30,751,516

Disability Pension by Age under 45 37 

Disability Pension by Age 45-54 173 

Disability Pension by Age 55-69 1,195 

Disability Pension by Age 70-84 939 

Disability Pension by Age 85 and over 723 

Education 

MGIB-AD Trainees 3,473

MGIB-SR Trainees 754

DEA Trainees 833

VEAP Trainees 8

REAP Trainees 443

Insurance 

Life Insurance Payments $57,949,443

Total Face Value of Insurance $490,318,059

Total Number of Policies 41,922

Loan Guaranty 

Number of Loans 2,338 

Total Loan Amount $606,472,607 

Vocational Rehabilitation and Employment 

Number of Applicants 876

Number of Plans Developed 358

Number of Entitlement Decisions 414

Number of Veterans Rehabilitated through Independent Living 67

Number of Veterans Rehabilitated by Obtaining Suitable Employment 82
Veterans Benefits Administration Making a difference E33Appendices

New Mexico

Compensation and Pension 

Estimated Veteran Population 176,566 

Disability Compensation Recipients 29,536 

Estimated Monthly Disability Compensation Costs $36,083,965

Estimated Annual Disability Compensation Costs $433,007,580

Disability Compensation by Age 34 and under 2,239 

Disability Compensation by Age 35-54 7,997 

Disability Compensation by Age 55-74 14,545 

Disability Compensation by Age 75-84 3,124 

Disability Compensation by Age 85 and over 1,631 

Disability Pension Recipients 2,649

Estimated Monthly Disability Pension Costs $2,013,275

Estimated Annual Disability Pension Costs $24,159,306

Disability Pension by Age under 45 71 

Disability Pension by Age 45-54 208 

Disability Pension by Age 55-69 1,278 

Disability Pension by Age 70-84 730 

Disability Pension by Age 85 and over 362 

Education 

MGIB-AD Trainees 2,623

MGIB-SR Trainees 415

DEA Trainees 1,304

VEAP Trainees 4

REAP Trainees 205

Insurance 

Life Insurance Payments $13,657,627

Total Face Value of Insurance $115,559,025

Total Number of Policies 9,978

Loan Guaranty 

Number of Loans 3,865 

Total Loan Amount $752,118,616 

Vocational Rehabilitation and Employment 

Number of Applicants 724

Number of Plans Developed 228

Number of Entitlement Decisions 371

Number of Veterans Rehabilitated through Independent Living 53

Number of Veterans Rehabilitated by Obtaining Suitable Employment 103
E34 Annual Benefits Report FY 2009 Appendices

New York

Compensation and Pension 

Estimated Veteran Population 988,217 

Disability Compensation Recipients 106,012 

Estimated Monthly Disability Compensation Costs $93,393,252

Estimated Annual Disability Compensation Costs $1,120,719,024

Disability Compensation by Age 34 and under 10,194 

Disability Compensation by Age 35-54 23,450 

Disability Compensation by Age 55-74 46,870 

Disability Compensation by Age 75-84 14,086 

Disability Compensation by Age 85 and over 11,412 

Disability Pension Recipients 13,952

Estimated Monthly Disability Pension Costs $10,161,051

Estimated Annual Disability Pension Costs $121,932,615

Disability Pension by Age under 45 240 

Disability Pension by Age 45-54 993 

Disability Pension by Age 55-69 5,994 

Disability Pension by Age 70-84 4,043 

Disability Pension by Age 85 and over 2,682 

Education 

MGIB-AD Trainees 8,795

MGIB-SR Trainees 1,695

DEA Trainees 2,319

VEAP Trainees 22

REAP Trainees 1,136

Insurance 

Life Insurance Payments $108,538,762

Total Face Value of Insurance $918,361,119

Total Number of Policies 78,322

Loan Guaranty 

Number of Loans 3,477 

Total Loan Amount $633,264,936 

Vocational Rehabilitation and Employment 

Number of Applicants 2,478

Number of Plans Developed 1,158

Number of Entitlement Decisions 1,488

Number of Veterans Rehabilitated through Independent Living 225

Number of Veterans Rehabilitated by Obtaining Suitable Employment 93
Veterans Benefits Administration Making a difference E35Appendices

North Carolina

Compensation and Pension 

Estimated Veteran Population 770,080 

Disability Compensation Recipients 122,226 

Estimated Monthly Disability Compensation Costs $121,069,631

Estimated Annual Disability Compensation Costs $1,452,835,572

Disability Compensation by Age 34 and under 11,610 

Disability Compensation by Age 35-54 43,093 

Disability Compensation by Age 55-74 53,132 

Disability Compensation by Age 75-84 10,075 

Disability Compensation by Age 85 and over 4,316 

Disability Pension Recipients 9,422

Estimated Monthly Disability Pension Costs $6,648,389

Estimated Annual Disability Pension Costs $79,780,665

Disability Pension by Age under 45 143 

Disability Pension by Age 45-54 609 

Disability Pension by Age 55-69 3,793 

Disability Pension by Age 70-84 2,904 

Disability Pension by Age 85 and over 1,973 

Education 

MGIB-AD Trainees 9,785

MGIB-SR Trainees 1,327

DEA Trainees 3,861

VEAP Trainees 12

REAP Trainees 745

Insurance 

Life Insurance Payments $48,781,560

Total Face Value of Insurance $412,747,361

Total Number of Policies 34,623

Loan Guaranty 

Number of Loans 20,548 

Total Loan Amount $3,714,371,723 

Vocational Rehabilitation and Employment 

Number of Applicants 2,975

Number of Plans Developed 576

Number of Entitlement Decisions 875

Number of Veterans Rehabilitated through Independent Living 21

Number of Veterans Rehabilitated by Obtaining Suitable Employment 214
E36 Annual Benefits Report FY 2009 Appendices

North Dakota

Compensation and Pension 

Estimated Veteran Population 57,074 

Disability Compensation Recipients 9,444 

Estimated Monthly Disability Compensation Costs $7,502,137

Estimated Annual Disability Compensation Costs $90,025,644

Disability Compensation by Age 34 and under 1,066 

Disability Compensation by Age 35-54 2,638 

Disability Compensation by Age 55-74 4,075 

Disability Compensation by Age 75-84 1,087 

Disability Compensation by Age 85 and over 578 

Disability Pension Recipients 892

Estimated Monthly Disability Pension Costs $611,477

Estimated Annual Disability Pension Costs $7,337,719

Disability Pension by Age under 45 10 

Disability Pension by Age 45-54 52 

Disability Pension by Age 55-69 340 

Disability Pension by Age 70-84 307 

Disability Pension by Age 85 and over 183 

Education 

MGIB-AD Trainees 679

MGIB-SR Trainees 526

DEA Trainees 250

VEAP Trainees 2

REAP Trainees 321

Insurance 

Life Insurance Payments $4,383,890

Total Face Value of Insurance $37,092,688

Total Number of Policies 3,288

Loan Guaranty 

Number of Loans 930 

Total Loan Amount $147,753,119 

Vocational Rehabilitation and Employment 

Number of Applicants 226

Number of Plans Developed 153

Number of Entitlement Decisions 219

Number of Veterans Rehabilitated through Independent Living 19

Number of Veterans Rehabilitated by Obtaining Suitable Employment 53
Veterans Benefits Administration Making a difference E37Appendices

Ohio

Compensation and Pension 

Estimated Veteran Population 913,296 

Disability Compensation Recipients 92,465 

Estimated Monthly Disability Compensation Costs $75,750,213

Estimated Annual Disability Compensation Costs $909,002,556

Disability Compensation by Age 34 and under 8,488 

Disability Compensation by Age 35-54 26,102 

Disability Compensation by Age 55-74 41,484 

Disability Compensation by Age 75-84 9,556 

Disability Compensation by Age 85 and over 6,835 

Disability Pension Recipients 15,614

Estimated Monthly Disability Pension Costs $13,611,998

Estimated Annual Disability Pension Costs $163,343,980

Disability Pension by Age under 45 408 

Disability Pension by Age 45-54 1,403 

Disability Pension by Age 55-69 8,260 

Disability Pension by Age 70-84 3,324 

Disability Pension by Age 85 and over 2,219 

Education 

MGIB-AD Trainees 7,250

MGIB-SR Trainees 2,673

DEA Trainees 1,781

VEAP Trainees 18

REAP Trainees 1,592

Insurance 

Life Insurance Payments $61,876,130

Total Face Value of Insurance $523,542,287

Total Number of Policies 46,305

Loan Guaranty 

Number of Loans 8,248 

Total Loan Amount $1,315,314,391 

Vocational Rehabilitation and Employment 

Number of Applicants 2,055

Number of Plans Developed 813

Number of Entitlement Decisions 1,008

Number of Veterans Rehabilitated through Independent Living 61

Number of Veterans Rehabilitated by Obtaining Suitable Employment 86
E38 Annual Benefits Report FY 2009 Appendices

Oklahoma

Compensation and Pension 

Estimated Veteran Population 329,601 

Disability Compensation Recipients 63,741 

Estimated Monthly Disability Compensation Costs $74,193,812

Estimated Annual Disability Compensation Costs $890,325,744

Disability Compensation by Age 34 and under 5,732 

Disability Compensation by Age 35-54 16,779 

Disability Compensation by Age 55-74 30,923 

Disability Compensation by Age 75-84 7,130 

Disability Compensation by Age 85 and over 3,177 

Disability Pension Recipients 6,522

Estimated Monthly Disability Pension Costs $6,214,902

Estimated Annual Disability Pension Costs $74,578,827

Disability Pension by Age under 45 111 

Disability Pension by Age 45-54 480 

Disability Pension by Age 55-69 3,218 

Disability Pension by Age 70-84 1,783 

Disability Pension by Age 85 and over 930 

Education 

MGIB-AD Trainees 4,765

MGIB-SR Trainees 1,251

DEA Trainees 2,160

VEAP Trainees 6

REAP Trainees 1,024

Insurance 

Life Insurance Payments $20,759,348

Total Face Value of Insurance $175,647,645

Total Number of Policies 15,668

Loan Guaranty 

Number of Loans 5,878 

Total Loan Amount $939,632,879 

Vocational Rehabilitation and Employment 

Number of Applicants 1,559

Number of Plans Developed 581

Number of Entitlement Decisions 723

Number of Veterans Rehabilitated through Independent Living 21

Number of Veterans Rehabilitated by Obtaining Suitable Employment 217
Veterans Benefits Administration Making a difference E39Appendices

Oregon

Compensation and Pension 

Estimated Veteran Population 340,020 

Disability Compensation Recipients 46,688 

Estimated Monthly Disability Compensation Costs $51,063,086

Estimated Annual Disability Compensation Costs $612,757,026

Disability Compensation by Age 34 and under 4,979 

Disability Compensation by Age 35-54 12,054 

Disability Compensation by Age 55-74 22,125 

Disability Compensation by Age 75-84 4,601 

Disability Compensation by Age 85 and over 2,929 

Disability Pension Recipients 5,530

Estimated Monthly Disability Pension Costs $4,708,674

Estimated Annual Disability Pension Costs $56,504,086

Disability Pension by Age under 45 104 

Disability Pension by Age 45-54 491 

Disability Pension by Age 55-69 3,010 

Disability Pension by Age 70-84 1,220 

Disability Pension by Age 85 and over 705 

Education 

MGIB-AD Trainees 3,623

MGIB-SR Trainees 664

DEA Trainees 1,241

VEAP Trainees 7

REAP Trainees 335

Insurance 

Life Insurance Payments $22,568,647

Total Face Value of Insurance $190,956,368

Total Number of Policies 16,492

Loan Guaranty 

Number of Loans 4,172 

Total Loan Amount $929,550,345 

Vocational Rehabilitation and Employment 

Number of Applicants 1,866

Number of Plans Developed 658

Number of Entitlement Decisions 1,142

Number of Veterans Rehabilitated through Independent Living 12

Number of Veterans Rehabilitated by Obtaining Suitable Employment 234
E40 Annual Benefits Report FY 2009 Appendices

Pennsylvania

Compensation and Pension 

Estimated Veteran Population 995,135 

Disability Compensation Recipients 94,917 

Estimated Monthly Disability Compensation Costs $84,371,686

Estimated Annual Disability Compensation Costs $1,012,460,236

Disability Compensation by Age 34 and under 8,152 

Disability Compensation by Age 35-54 23,051 

Disability Compensation by Age 55-74 42,656 

Disability Compensation by Age 75-84 11,815 

Disability Compensation by Age 85 and over 9,243 

Disability Pension Recipients 14,255

Estimated Monthly Disability Pension Costs $12,690,653

Estimated Annual Disability Pension Costs $152,287,830

Disability Pension by Age under 45 247 

Disability Pension by Age 45-54 881 

Disability Pension by Age 55-69 5,845 

Disability Pension by Age 70-84 4,030 

Disability Pension by Age 85 and over 3,252 

Education 

MGIB-AD Trainees 7,660

MGIB-SR Trainees 2,009

DEA Trainees 2,025

VEAP Trainees 18

REAP Trainees 1,299

Insurance 

Life Insurance Payments $88,161,335

Total Face Value of Insurance $745,944,959

Total Number of Policies 67,675

Loan Guaranty 

Number of Loans 6,283 

Total Loan Amount $1,199,940,385 

Vocational Rehabilitation and Employment 

Number of Applicants 1,895

Number of Plans Developed 749

Number of Entitlement Decisions 1,030

Number of Veterans Rehabilitated through Independent Living 28

Number of Veterans Rehabilitated by Obtaining Suitable Employment 279
Veterans Benefits Administration Making a difference E41Appendices

Rhode Island

Compensation and Pension 

Estimated Veteran Population 73,957 

Disability Compensation Recipients 9,802 

Estimated Monthly Disability Compensation Costs $9,123,982

Estimated Annual Disability Compensation Costs $109,487,784

Disability Compensation by Age 34 and under 667 

Disability Compensation by Age 35-54 2,262 

Disability Compensation by Age 55-74 4,228 

Disability Compensation by Age 75-84 1,433 

Disability Compensation by Age 85 and over 1,212 

Disability Pension Recipients 962

Estimated Monthly Disability Pension Costs $836,908

Estimated Annual Disability Pension Costs $10,042,900

Disability Pension by Age under 45 11 

Disability Pension by Age 45-54 59 

Disability Pension by Age 55-69 395 

Disability Pension by Age 70-84 271 

Disability Pension by Age 85 and over 226 

Education 

MGIB-AD Trainees 555

MGIB-SR Trainees 203

DEA Trainees 226

VEAP Trainees 2

REAP Trainees 189

Insurance 

Life Insurance Payments $6,933,485

Total Face Value of Insurance $58,665,151

Total Number of Policies 5,644

Loan Guaranty 

Number of Loans 492 

Total Loan Amount $117,135,205 

Vocational Rehabilitation and Employment 

Number of Applicants 268

Number of Plans Developed 94

Number of Entitlement Decisions 116

Number of Veterans Rehabilitated through Independent Living 17

Number of Veterans Rehabilitated by Obtaining Suitable Employment 12
E42 Annual Benefits Report FY 2009 Appendices

South Carolina

Compensation and Pension 

Estimated Veteran Population 408,747 

Disability Compensation Recipients 62,829 

Estimated Monthly Disability Compensation Costs $63,910,998

Estimated Annual Disability Compensation Costs $766,931,976

Disability Compensation by Age 34 and under 5,670 

Disability Compensation by Age 35-54 20,910 

Disability Compensation by Age 55-74 28,649 

Disability Compensation by Age 75-84 5,453 

Disability Compensation by Age 85 and over 2,147 

Disability Pension Recipients 6,710

Estimated Monthly Disability Pension Costs $5,598,049

Estimated Annual Disability Pension Costs $67,176,592

Disability Pension by Age under 45 99 

Disability Pension by Age 45-54 371 

Disability Pension by Age 55-69 2,743 

Disability Pension by Age 70-84 2,066 

Disability Pension by Age 85 and over 1,431 

Education 

MGIB-AD Trainees 3,966

MGIB-SR Trainees 1,343

DEA Trainees 1,867

VEAP Trainees 7

REAP Trainees 689

Insurance 

Life Insurance Payments $26,895,190

Total Face Value of Insurance $227,563,833

Total Number of Policies 19,822

Loan Guaranty 

Number of Loans 7,639 

Total Loan Amount $1,421,020,167 

Vocational Rehabilitation and Employment 

Number of Applicants 1,918

Number of Plans Developed 728

Number of Entitlement Decisions 1,048

Number of Veterans Rehabilitated through Independent Living 33

Number of Veterans Rehabilitated by Obtaining Suitable Employment 233
Veterans Benefits Administration Making a difference E43Appendices

South Dakota

Compensation and Pension 

Estimated Veteran Population 72,704 

Disability Compensation Recipients 11,937 

Estimated Monthly Disability Compensation Costs $10,897,553

Estimated Annual Disability Compensation Costs $130,770,636

Disability Compensation by Age 34 and under 1,362 

Disability Compensation by Age 35-54 3,564 

Disability Compensation by Age 55-74 5,277 

Disability Compensation by Age 75-84 1,146 

Disability Compensation by Age 85 and over 588 

Disability Pension Recipients 1,514

Estimated Monthly Disability Pension Costs $1,112,107

Estimated Annual Disability Pension Costs $13,345,285

Disability Pension by Age under 45 25 

Disability Pension by Age 45-54 77 

Disability Pension by Age 55-69 589 

Disability Pension by Age 70-84 543 

Disability Pension by Age 85 and over 280 

Education 

MGIB-AD Trainees 783

MGIB-SR Trainees 634

DEA Trainees 266

VEAP Trainees 2

REAP Trainees 307

Insurance 

Life Insurance Payments $5,825,945

Total Face Value of Insurance $49,294,108

Total Number of Policies 4,221

Loan Guaranty 

Number of Loans 1,248 

Total Loan Amount $219,064,544 

Vocational Rehabilitation and Employment 

Number of Applicants 312

Number of Plans Developed 230

Number of Entitlement Decisions 249

Number of Veterans Rehabilitated through Independent Living 23

Number of Veterans Rehabilitated by Obtaining Suitable Employment 74
E44 Annual Benefits Report FY 2009 Appendices

Tennessee

Compensation and Pension 

Estimated Veteran Population 501,907 

Disability Compensation Recipients 71,396 

Estimated Monthly Disability Compensation Costs $66,771,434

Estimated Annual Disability Compensation Costs $801,257,202

Disability Compensation by Age 34 and under 6,163 

Disability Compensation by Age 35-54 23,618 

Disability Compensation by Age 55-74 32,726 

Disability Compensation by Age 75-84 5,934 

Disability Compensation by Age 85 and over 2,955 

Disability Pension Recipients 8,781

Estimated Monthly Disability Pension Costs $6,780,448

Estimated Annual Disability Pension Costs $81,365,373

Disability Pension by Age under 45 122 

Disability Pension by Age 45-54 618 

Disability Pension by Age 55-69 4,033 

Disability Pension by Age 70-84 2,469 

Disability Pension by Age 85 and over 1,539 

Education 

MGIB-AD Trainees 4,987

MGIB-SR Trainees 1,368

DEA Trainees 1,680

VEAP Trainees 8

REAP Trainees 714

Insurance 

Life Insurance Payments $27,296,767

Total Face Value of Insurance $230,961,631

Total Number of Policies 19,682

Loan Guaranty 

Number of Loans 8,752 

Total Loan Amount $1,506,041,649 

Vocational Rehabilitation and Employment 

Number of Applicants 1,714

Number of Plans Developed 663

Number of Entitlement Decisions 801

Number of Veterans Rehabilitated through Independent Living 22

Number of Veterans Rehabilitated by Obtaining Suitable Employment 217
Veterans Benefits Administration Making a difference E45Appendices

Texas

Compensation and Pension 

Estimated Veteran Population 1,701,675 

Disability Compensation Recipients 272,109 

Estimated Monthly Disability Compensation Costs $268,466,867

Estimated Annual Disability Compensation Costs $3,221,602,400

Disability Compensation by Age 34 and under 30,990 

Disability Compensation by Age 35-54 86,651 

Disability Compensation by Age 55-74 117,682 

Disability Compensation by Age 75-84 25,121 

Disability Compensation by Age 85 and over 11,665 

Disability Pension Recipients 25,210

Estimated Monthly Disability Pension Costs $20,813,649

Estimated Annual Disability Pension Costs $249,763,787

Disability Pension by Age under 45 611 

Disability Pension by Age 45-54 2,029 

Disability Pension by Age 55-69 12,024 

Disability Pension by Age 70-84 6,583 

Disability Pension by Age 85 and over 3,963 

Education 

MGIB-AD Trainees 27,894

MGIB-SR Trainees 3,101

DEA Trainees 7,392

VEAP Trainees 28

REAP Trainees 1,987

Insurance 

Life Insurance Payments $104,331,628

Total Face Value of Insurance $882,763,988

Total Number of Policies 75,287

Loan Guaranty 

Number of Loans 32,415 

Total Loan Amount $5,588,794,145 

Vocational Rehabilitation and Employment 

Number of Applicants 8,778

Number of Plans Developed 3,624

Number of Entitlement Decisions 4,780

Number of Veterans Rehabilitated through Independent Living 216

Number of Veterans Rehabilitated by Obtaining Suitable Employment 1,141
E46 Annual Benefits Report FY 2009 Appendices

Utah

Compensation and Pension 

Estimated Veteran Population 155,052 

Disability Compensation Recipients 18,157 

Estimated Monthly Disability Compensation Costs $15,778,588

Estimated Annual Disability Compensation Costs $189,343,056

Disability Compensation by Age 34 and under 2,365 

Disability Compensation by Age 35-54 5,544 

Disability Compensation by Age 55-74 7,402 

Disability Compensation by Age 75-84 1,769 

Disability Compensation by Age 85 and over 1,077 

Disability Pension Recipients 1,348

Estimated Monthly Disability Pension Costs $1,137,432

Estimated Annual Disability Pension Costs $13,649,179

Disability Pension by Age under 45 32 

Disability Pension by Age 45-54 116 

Disability Pension by Age 55-69 560 

Disability Pension by Age 70-84 374 

Disability Pension by Age 85 and over 266 

Education 

MGIB-AD Trainees 2,811

MGIB-SR Trainees 1,106

DEA Trainees 668

VEAP Trainees 3

REAP Trainees 757

Insurance 

Life Insurance Payments $11,102,423

Total Face Value of Insurance $93,939,100

Total Number of Policies 8,262

Loan Guaranty 

Number of Loans 3,674 

Total Loan Amount $814,949,210 

Vocational Rehabilitation and Employment 

Number of Applicants 586

Number of Plans Developed 355

Number of Entitlement Decisions 431

Number of Veterans Rehabilitated through Independent Living 19

Number of Veterans Rehabilitated by Obtaining Suitable Employment 118
Veterans Benefits Administration Making a difference E47Appendices

Vermont

Compensation and Pension 

Estimated Veteran Population 53,222 

Disability Compensation Recipients 6,127 

Estimated Monthly Disability Compensation Costs $5,968,526

Estimated Annual Disability Compensation Costs $71,622,312

Disability Compensation by Age 34 and under 450 

Disability Compensation by Age 35-54 1,672 

Disability Compensation by Age 55-74 2,844 

Disability Compensation by Age 75-84 704 

Disability Compensation by Age 85 and over 457 

Disability Pension Recipients 469

Estimated Monthly Disability Pension Costs $307,484

Estimated Annual Disability Pension Costs $3,689,806

Disability Pension by Age under 45 6 

Disability Pension by Age 45-54 28 

Disability Pension by Age 55-69 235 

Disability Pension by Age 70-84 129 

Disability Pension by Age 85 and over 71 

Education 

MGIB-AD Trainees 435

MGIB-SR Trainees 120

DEA Trainees 121

VEAP Trainees 1

REAP Trainees 91

Insurance 

Life Insurance Payments $3,889,504

Total Face Value of Insurance $32,909,619

Total Number of Policies 2,881

Loan Guaranty 

Number of Loans 278 

Total Loan Amount $57,014,825 

Vocational Rehabilitation and Employment 

Number of Applicants 147

Number of Plans Developed 88

Number of Entitlement Decisions 107

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 2
E48 Annual Benefits Report FY 2009 Appendices

Virginia

Compensation and Pension 

Estimated Veteran Population 819,490 

Disability Compensation Recipients 124,397 

Estimated Monthly Disability Compensation Costs $102,659,853

Estimated Annual Disability Compensation Costs $1,231,918,236

Disability Compensation by Age 34 and under 11,378 

Disability Compensation by Age 35-54 52,485 

Disability Compensation by Age 55-74 47,878 

Disability Compensation by Age 75-84 8,628 

Disability Compensation by Age 85 and over 4,028 

Disability Pension Recipients 5,709

Estimated Monthly Disability Pension Costs $4,150,286

Estimated Annual Disability Pension Costs $49,803,437

Disability Pension by Age under 45 102 

Disability Pension by Age 45-54 405 

Disability Pension by Age 55-69 2,535 

Disability Pension by Age 70-84 1,674 

Disability Pension by Age 85 and over 993 

Education 

MGIB-AD Trainees 15,030

MGIB-SR Trainees 1,358

DEA Trainees 2,880

VEAP Trainees 16

REAP Trainees 1,257

Insurance 

Life Insurance Payments $50,400,675

Total Face Value of Insurance $426,446,918

Total Number of Policies 34,491

Loan Guaranty 

Number of Loans 26,545 

Total Loan Amount $7,488,097,749 

Vocational Rehabilitation and Employment 

Number of Applicants 2,712

Number of Plans Developed 611

Number of Entitlement Decisions 881

Number of Veterans Rehabilitated through Independent Living 4

Number of Veterans Rehabilitated by Obtaining Suitable Employment 180
Veterans Benefits Administration Making a difference E49Appendices

Washington

Compensation and Pension 

Estimated Veteran Population 637,019 

Disability Compensation Recipients 95,325 

Estimated Monthly Disability Compensation Costs $86,288,059

Estimated Annual Disability Compensation Costs $1,035,456,703

Disability Compensation by Age 34 and under 10,288 

Disability Compensation by Age 35-54 33,079 

Disability Compensation by Age 55-74 40,257 

Disability Compensation by Age 75-84 7,607 

Disability Compensation by Age 85 and over 4,094 

Disability Pension Recipients 5,193

Estimated Monthly Disability Pension Costs $4,229,514

Estimated Annual Disability Pension Costs $50,754,171

Disability Pension by Age under 45 139 

Disability Pension by Age 45-54 464 

Disability Pension by Age 55-69 2,723 

Disability Pension by Age 70-84 1,162 

Disability Pension by Age 85 and over 705 

Education 

MGIB-AD Trainees 7,969

MGIB-SR Trainees 769

DEA Trainees 2,192

VEAP Trainees 13

REAP Trainees 549

Insurance 

Life Insurance Payments $37,759,342

Total Face Value of Insurance $319,486,891

Total Number of Policies 27,701

Loan Guaranty 

Number of Loans 14,899 

Total Loan Amount $3,706,693,678 

Vocational Rehabilitation and Employment 

Number of Applicants 2,426

Number of Plans Developed 755

Number of Entitlement Decisions 1,066

Number of Veterans Rehabilitated through Independent Living 28

Number of Veterans Rehabilitated by Obtaining Suitable Employment 251
E50 Annual Benefits Report FY 2009 Appendices

West Virginia

Compensation and Pension 

Estimated Veteran Population 170,783 

Disability Compensation Recipients 25,496 

Estimated Monthly Disability Compensation Costs $30,405,356

Estimated Annual Disability Compensation Costs $364,864,272

Disability Compensation by Age 34 and under 2,173 

Disability Compensation by Age 35-54 6,435 

Disability Compensation by Age 55-74 13,114 

Disability Compensation by Age 75-84 2,421 

Disability Compensation by Age 85 and over 1,353 

Disability Pension Recipients 3,715

Estimated Monthly Disability Pension Costs $2,917,325

Estimated Annual Disability Pension Costs $35,007,895

Disability Pension by Age under 45 63 

Disability Pension by Age 45-54 274 

Disability Pension by Age 55-69 1,955 

Disability Pension by Age 70-84 1,021 

Disability Pension by Age 85 and over 402 

Education 

MGIB-AD Trainees 6,040

MGIB-SR Trainees 896

DEA Trainees 724

VEAP Trainees 2

REAP Trainees 1,178

Insurance 

Life Insurance Payments $10,282,164

Total Face Value of Insurance $86,998,782

Total Number of Policies 7,701

Loan Guaranty 

Number of Loans 1,152 

Total Loan Amount $217,348,972 

Vocational Rehabilitation and Employment 

Number of Applicants 593

Number of Plans Developed 280

Number of Entitlement Decisions 340

Number of Veterans Rehabilitated through Independent Living 8

Number of Veterans Rehabilitated by Obtaining Suitable Employment 64
Veterans Benefits Administration Making a difference E51Appendices

Wisconsin

Compensation and Pension 

Estimated Veteran Population 427,527 

Disability Compensation Recipients 52,013 

Estimated Monthly Disability Compensation Costs $47,186,713

Estimated Annual Disability Compensation Costs $566,240,556

Disability Compensation by Age 34 and under 5,890 

Disability Compensation by Age 35-54 13,962 

Disability Compensation by Age 55-74 22,990 

Disability Compensation by Age 75-84 5,763 

Disability Compensation by Age 85 and over 3,408 

Disability Pension Recipients 5,555

Estimated Monthly Disability Pension Costs $4,676,883

Estimated Annual Disability Pension Costs $56,122,601

Disability Pension by Age under 45 110 

Disability Pension by Age 45-54 454 

Disability Pension by Age 55-69 2,429 

Disability Pension by Age 70-84 1,463 

Disability Pension by Age 85 and over 1,099 

Education 

MGIB-AD Trainees 4,156

MGIB-SR Trainees 1,547

DEA Trainees 1,281

VEAP Trainees 8

REAP Trainees 1,089

Insurance 

Life Insurance Payments $38,124,665

Total Face Value of Insurance $322,577,933

Total Number of Policies 27,884

Loan Guaranty 

Number of Loans 3,387 

Total Loan Amount $591,054,217 

Vocational Rehabilitation and Employment 

Number of Applicants 1,303

Number of Plans Developed 296

Number of Entitlement Decisions 353

Number of Veterans Rehabilitated through Independent Living 7

Number of Veterans Rehabilitated by Obtaining Suitable Employment 153
E52 Annual Benefits Report FY 2009 Appendices

Wyoming

Compensation and Pension 

Estimated Veteran Population 56,079 

Disability Compensation Recipients 7,544 

Estimated Monthly Disability Compensation Costs $6,340,408

Estimated Annual Disability Compensation Costs $76,084,896

Disability Compensation by Age 34 and under 851 

Disability Compensation by Age 35-54 2,337 

Disability Compensation by Age 55-74 3,369 

Disability Compensation by Age 75-84 630 

Disability Compensation by Age 85 and over 357 

Disability Pension Recipients 523

Estimated Monthly Disability Pension Costs $404,814

Estimated Annual Disability Pension Costs $4,857,765

Disability Pension by Age under 45 15 

Disability Pension by Age 45-54 42 

Disability Pension by Age 55-69 277 

Disability Pension by Age 70-84 115 

Disability Pension by Age 85 and over 74 

Education 

MGIB-AD Trainees 686

MGIB-SR Trainees 212

DEA Trainees 118

VEAP Trainees 1

REAP Trainees 100

Insurance 

Life Insurance Payments $3,147,991

Total Face Value of Insurance $26,635,574

Total Number of Policies 2,181

Loan Guaranty 

Number of Loans 1,208 

Total Loan Amount $251,492,139 

Vocational Rehabilitation and Employment 

Number of Applicants 85

Number of Plans Developed 51

Number of Entitlement Decisions 78

Number of Veterans Rehabilitated Through Independent Living 6

Number of Veterans Rehabilitated By Obtaining Suitable Employment 10
Veterans Benefits Administration Making a difference E53Appendices

Puerto Rico

Compensation and Pension 

Estimated Veteran Population 116,029

Disability Compensation Recipients 21,622 

Estimated Monthly Disability Compensation Costs $27,148,617

Estimated Annual Disability Compensation Costs $325,783,404

Disability Compensation by Age 34 and under 1,413 

Disability Compensation by Age 35-54 6,205 

Disability Compensation by Age 55-74 10,166 

Disability Compensation by Age 75-84 2,972 

Disability Compensation by Age 85 and over 866 

Disability Pension Recipients 11,440

Estimated Monthly Disability Pension Costs $7,790,075

Estimated Annual Disability Pension Costs $93,480,897

Disability Pension by Age under 45 41 

Disability Pension by Age 45-54 161 

Disability Pension by Age 55-69 2,042 

Disability Pension by Age 70-84 6,734 

Disability Pension by Age 85 and over 2,462 

Education 

MGIB-AD Trainees 822

MGIB-SR Trainees 1,107

DEA Trainees 1,565

VEAP Trainees 3

REAP Trainees 927

Insurance 

Life Insurance Payments $4,369,547

Total Face Value of Insurance $36,971,329

Total Number of Policies 3,770

Loan Guaranty 

Number of Loans 680 

Total Loan Amount $118,957,621 

Vocational Rehabilitation and Employment 

Number of Applicants 602

Number of Plans Developed 130

Number of Entitlement Decisions 192

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 66
E54 Annual Benefits Report FY 2009 Appendices

Philippines

Compensation and Pension 

Disability Compensation Recipients 4,838 

Estimated Monthly Disability Compensation Costs $6,585,331

Estimated Annual Disability Compensation Costs $79,023,966

Disability Compensation by Age 34 and under 98 

Disability Compensation by Age 35-54 716 

Disability Compensation by Age 55-74 1,731 

Disability Compensation by Age 75-84 549 

Disability Compensation by Age 85 and over 1,744 

Disability Pension Recipients 644

Estimated Monthly Disability Pension Costs $788,574

Estimated Annual Disability Pension Costs $9,462,886

Disability Pension by Age under 45 4 

Disability Pension by Age 45-54 25 

Disability Pension by Age 55-69 297 

Disability Pension by Age 70-84 151 

Disability Pension by Age 85 and over 167 

Education 

MGIB-AD Trainees 311

MGIB-SR Trainees 0

DEA Trainees 6

VEAP Trainees 0

REAP Trainees 1

Insurance 

Life Insurance Payments $619,133

Total Face Value of Insurance $5,238,567

Total Number of Policies 495

Vocational Rehabilitation and Employment 

Number of Applicants 64

Number of Plans Developed 35

Number of Entitlement Decisions 44

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 8
Veterans Benefits Administration Making a difference E55Appendices

Other Foreign

Compensation and Pension 

Estimated Veteran Population 102,945

Disability Compensation Recipients 20,639 

Estimated Monthly Disability Compensation Costs $17,213,670

Estimated Annual Disability Compensation Costs $206,564,034

Disability Compensation by Age 34 and under 1,802 

Disability Compensation by Age 35-54 9,349 

Disability Compensation by Age 55-74 7,721 

Disability Compensation by Age 75-84 1,280 

Disability Compensation by Age 85 and over 487 

Disability Pension Recipients 779

Estimated Monthly Disability Pension Costs $644,324

Estimated Annual Disability Pension Costs $7,731,887

Disability Pension by Age under 45 15 

Disability Pension by Age 45-54 34 

Disability Pension by Age 55-69 303 

Disability Pension by Age 70-84 278 

Disability Pension by Age 85 and over 149 

Education 

MGIB-AD Trainees 15,935 

MGIB-SR Trainees 4,267 

DEA Trainees 315 

VEAP Trainees 1 

REAP Trainees 2,345 

Insurance 

Life Insurance Payments $3,450,902

Total Face Value of Insurance $29,198,542

Total Number of Policies 2,132

Loan Guaranty 

Number of Loans 169 

Total Loan Amount $43,034,361 

Veterans Benefits Administration Making a difference F1Index

Index

Index to Tables and Charts

Compensation and Pension 3

Quick Reference Guide 5

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits

During Fiscal Year 2009 6

Summary of Active Compensation and Pension Benefit Accounts

at the End of Fiscal Year 2009 6

Veterans Who Began Receiving Disability Compensation by Combined Degree 

During Fiscal Year 2009 7

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

Compensation by Fiscal Year 2009 7

Most Prevalent Service-Connected Disabilities for Veterans Who Began Receiving 

Compensation During Fiscal Year 2009 8

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

Veterans Receiving Compensation at the End of Fiscal Year 2009 8

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

Compensation by Fiscal Year 2009 9

Number of Veterans with Service-Connected Disabilities Receiving Compensation by

Combined Percent by Fiscal Year 10

Age of Veterans Who Began Receiving Service-Connected Compensation During 

Fiscal Year 2009 10

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

2009 10

Individual Service-Connected Disabilities by Evaluation for Veterans Receiving 

Compensation End of Fiscal Year 2009 11

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

Receiving Compensation at the End of Fiscal Year 2009 11

Service-Connected Disabilities by Body System for Veterans Receiving Compensation 

by Fiscal Year 12

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

Fiscal Year 2009 by Percent and Body System 13–14

Most Prevalent Service-Connected Disabilities 14–15

Most Prevalent Disabilities for Veterans Receiving Compensation at the

End of Fiscal Year 2009 16

Veterans Receiving Service-Connected Disability Benefits at the End of

 Fiscal Year 2009 16

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2009 17–18

Service-Connected Disabilities at the End of Fiscal Year 2009 by Period of Service 18

Beneficiaries Who Began Recieving DIC by Fiscal Year 19

Beneficiaries Receiving DIC by Relationship at the End of Fiscal Year 2009 19

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2009 19
F2 Annual Benefits Report FY 2009 Index

Age of Children Who Began Receiving DIC Benefits During Fiscal Year 2009 19

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

End of Fiscal Year 2009 20

Surviving Spouses Receiving DIC by Age at the End of Fiscal Year 2009 20

Children Receiving DIC by Age at the End of Fiscal Year 2009 20

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2009 21

Veterans Receiving Disability Pension at the End of Fiscal Year 2009 21

Disability Pension by Period of Service at the End of Fiscal Year 2009 22

Number of Veterans Who Began Receiving Disability Pension Benefits During Fiscal

Year 2009 by Age 22

Veterans Receiving Disability Pension at the End of Fiscal Year 2009 by Age 22

Beneficiaries Who Began Receiving Death Pension During Fiscal Year 2009 by Program 23

Beneficiaries Receiving Death Pension by Program at the End of Fiscal Year 2009 23

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2009 by Age 23

Surviving Spouses Receiving Death Pension at the End of Fiscal Year 2009 by Age 24

Death Pension by Period of Service at the End of Fiscal Year 2009 24

Number of Beneficiaries by Payee Type 25

Relationship of Fiduciary 25

Education 26

Quick Reference Guide 29

Beneficiaries by Program by Fiscal Year 29

New Education Beneficiaries by Program During Fiscal Year 2009 29

New Education Beneficiaries by Training Type and Program During Fiscal Year 2009 29

Training Available Under Education Benefit Programs 30

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2009 31

Beneficiaries Who Began Receiving Education Benefits by Fiscal Year 32

Beneficiaries Who Received Education Benefits by Fiscal Year 32

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

During Fiscal Year 2009 33

Beneficiaries Who Began Receiving Education Benefits by Training Time and Program

During Fiscal Year 2009 33

Beneficiaries Whose Benefits Terminated by Fiscal Year 34

Beneficiaries Whose Benefits Terminated by Reason During Fiscal Year 2009 34

Unique Beneficiaries and Payments by Fiscal Year 35

Insurance 37

Quick Reference Guide 38

Lives Insured by Fiscal Year 38

Benefits Paid by Fiscal Year 38

Death Awards (Number) by Fiscal Year 39

Death Awards (Amount) by Fiscal Year 39

Compensation and Pension (continued)
Veterans Benefits Administration Making a difference F3Index

Number of Operations Processed on Administered Policies by Fiscal Year 39

Programs That No Longer Issue Coverage 40

Programs That Issue Coverage 40

2009 Rankings by Total Life Insurance In-Force 41

New Life Insurance Coverage Issued During Fiscal Year 2009 42

New Life Insurance Coverage Issued by Fiscal Year 43

Policy Lapses During Fiscal Year 2009 43

Lump-Sum Payments Made to Policy Holders During Fiscal Year 2009 44

Life Insurance Dividend Payments by Fiscal Year 45

Lump-Sum Payments Made to Beneficiaries During Fiscal Year 2009 45

Number of Death Claims Paid by Five Fiscal Years 46

Insurance Monthly Installment Award Payments to Policyholders at the End of 

Fiscal Year 2009 46

Insurance Monthly Installment Award Payments to Beneficiaries at the End

Fiscal Year 2009 47

Total Insurance Policies In-Force at the End of Fiscal Year 2009 47

Life Insurance Policies In Force by Fiscal Year 47

Age Distribution for Insurance Programs 48

SGLI Coverage by Branch and Component of Service 49

SGLI Coverage by Coverage Level – Active Duty and Reserve Duty 50

FSGLI Spousal Coverage by Coverage Level – Active Duty and Reserve Duty 50

Loan Guaranty 51

Quick Reference Guide 53

VA Home Loans Guaranteed by Fiscal Year 53, 56

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria 54

Types and Characteristics of Loans Guaranteed During Fiscal Year 2009 55

Status of Loans Guaranteed by Fiscal Year 55

VA Home Loans Guaranteed by Fiscal Year 56

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2009 56

Loans Guaranteed by Period of Service Entitlement During Fiscal Year 2009 57

Entitlement Loans Guaranteed by Fiscal Year 58

Home Loans Guaranteed Based on Gender and Age During Fiscal Year 2009 58

Purchase Loans Guaranteed Based on Annual Income During Fiscal Year 2009 59

Number of Loans Guaranteed by Age by Fiscal Year 59

Percent of Loans Guaranteed by Age by Fiscal Year 60
F4 Annual Benefits Report FY 2009 Index

Loans Guaranteed by Race During Fiscal Year 2009 60

Loans Guaranteed by Race by Fiscal Year 60

Vocational Rehabilitation and Employment 61

Quick Reference Guide 63

Vocational Rehabilitation and Employment Activities During Fiscal Year 2009 64

Vocational Rehabilitation and Employment Activities by Age During Fiscal Year 2009 64

Vocational Rehabilitation and Employment Activities by Prior Education Level 

at the End of Fiscal Year 2009 65

Vocational Rehabilitation and Employment Activities by Branch of Service 

at the End of Fiscal Year 2009 65

Vocational Rehabilitation and Employment Activities by Period of Service 

at the End of Fiscal Year 2009 65

Vocational Rehabilitation and Employment Activities by Length of Service 

at the End of Fiscal Year 2009 65

Vocational Rehabilitation and Employment Activities by Combined Service‐Connected 

Disability Rating at the End of Fiscal Year 2009 66

Veterans with Serious Employment Handicaps at the End of Fiscal Year 2009 66

Veterans Participating in a Vocational Training Program 

During Fiscal Year 2009 67

Veterans Successfully Rehabilitated Pre and Post Annual Earnings by Occupational 

Category at the End of Fiscal Year 2009 68

Internet Homepage http://www.vba.va.gov

Department of Veterans Affairs

Veterans Benefits Administration

810 Vermont Avenue N.W.

Washington, D.C. 20420