Department of Veterans Affairs

Veterans Benefits Administration

Annual

Benefits

Report

Fiscal Year

2007

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 2007
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 and Vision Statements and 

Core Values

1 Mission, Vision, and 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

34 Education Enhancements

35 Insurance

35 Current Benefits

36 Quick Reference Guide

38 Data
ii Annual Benefits Report FY 2007 Table of Contents

49 Loan Guaranty

49 Program Objectives

49	 Current Benefits

50 Specially Adapted Housing Program (SAH) Enhancements

51 Quick Reference Guide

52 Data

59 Vocational Rehabilitation and Employment

61 Quick Reference Guide

62 Data

68 Summary

Appendices

A1	 VBA Regional Office Mailing Addresses

B1 Contact VA by Phone

C1 Glossary

D1 Internet References

E1	 Summary of Fiscal Year 2007 Benefits

E2	 Benefits by State

Index

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

VETERANS BENEFITS ADMINISTRATION

Mission and Vision 

Statements 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 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 2007 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 2007 

Performance and Accountability Report, dated November 2007. 

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 $40 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

Disability compensation is a monetary benefit paid to Veterans 

with service-connected disabilities. “Service-connected” means 

the disability was a result of disease or injury incurred in or 

aggravated during active military service. To be eligible for disability 

compensation, the Veteran’s discharge must be under conditions 

other than dishonorable, and the disability must not be the result of 

willful misconduct by the Veteran.

Disability compensation is graduated according to the degree of the 

Veteran’s disability on a scale from 0% disabling to 100% disabling, 

in increments of 10%. Additional benefits are payable to Veterans 

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

hand or foot, blindness, or deafness. The most seriously disabled 

Veterans receive the highest benefit amounts, and less severely 

disabled Veterans receive lower amounts.

Dependency and Indemnity Compensation (DIC) is payable to the 

survivors of servicemembers who died while on active duty or 

Veterans who died from their service-connected disabilities. VA 

may also pay DIC benefits to survivors of Veterans continuously 

rated totally disabled due to service-connected disabilities for 

ten or more years immediately preceding the Veteran’s death or 

five years from the date of the Veteran’s discharge. DIC benefits 

may also be paid to the survivors of former prisoners of war who 

died after September 30, 1999, and who were continuously rated 

totally disabled due to a service-connected disability for a period 

of not less than one year immediately preceding death. 

Surviving spouses and dependent children are potentially eligible 

for DIC benefits. An additional amount is payable if the Veteran was 

rated totally disabled for a period of at least eight years prior to 

death. For deaths prior to January 1, 1993, benefit rates are based 

on the Veteran’s military pay grade or the current monthly rate 

established by law, whichever is the greater benefit.

Parents of Veterans or servicemembers who die as the result of a 

service-connected disease or injury are also potentially eligible for 

DIC benefits. Parents’ DIC is a needs-based program for financially 

dependent parents.

Important Changes

The 2007 Annual Benefits 

Report is the first to combine 

data from the Veterans 

Benefits Administration’s 

legacy Benefits Delivery 

Network (BDN) and the 

corporate database 

VETSNET. As of the end 

of Fiscal Year 2007, over 

2.6 million Veterans were paid 

compensation benefits via 

BDN, while just over 200,000 

were paid through VETSNET. 

The most noticeable effect 

of combining data from both 

databases is in the reporting 

of the number of disabilities 

for which Veterans are 

service-connected. The 

BDN only stored up to 

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 in the charts on 

pages 14 and 15.
4 Annual Benefits Report FY 2007 Compensation and Pension

Pension Based Upon Non Service-Connected Disability or Death

VA pension programs are designed to provide income support 

to wartime Veterans and their families who are experiencing 

financial hardship. The program is means-tested. The total family 

income from sources other than VA determines the amount of the 

benefit. Laws establish income limits and regulate the rates of 

payment.

Wartime Veterans who are age 65 and older or who are 

determined permanently and totally disabled as the result of a 

non-service-connected disability may be eligible for a disability 

pension. Entitlement to this disability pension is subject to 

income limitations. Additional amounts may be paid to a 

Veteran who has dependents or who is so disabled as to require 

the aid and attendance of another person, or is housebound.

Benefits are also paid under two protected or “grandfathered” 

prior pension programs. These rates and limits are fixed at the 

amounts in effect when the programs were closed to new claims.

Surviving spouses and dependent children of wartime Veterans 

are potentially eligible for death pension benefits, subject to 

income limitations. As with disability pension, death pension is 

paid under the current pension program as well as under the two 

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

Quick Reference Guide

Beneficiaries who began receiving benefits 

(Compensation, Pension, DIC) during 

Fiscal Year 2007 is 279,107 

Compensation – Disability 187,717

Compensation - Death 18,490

Pension - Disability 46,471

Pension - Death 26,429 

Total Veterans receiving service-connected 

disability benefits end of Fiscal Year 2007 by period 

of service is 2,844,178

World War II 302,580 

Korean Conflict 159,637 

Vietnam Era 983,725 

Gulf War Era 795,780 

 Peacetime 602,456 

Most prevalent service-connected disabilities for 

Veterans receiving compensation at the end of 

Fiscal Year 2007 

Tinnitus 495,689

Hearing loss 476,387

Scars, general 373,251

Post traumatic stress disorder 320,957

Diabetes mellitus 272,898

Impairment of the knee, general 266,178

Traumatic arthritis 251,348

Hypertensive vascular disease 244,859

Condition of the skeletal system 170,915

Limitation of motion of the ankle 169,596

Number of Veterans and survivors receiving 

Compensation and Pension benefits at the end of 

Fiscal Year 2007 is 3,691,419 

2,844,178 Veterans received service-connected 

disability benefits

329,725 survivors received service-connected 

death benefits

322,875 Veterans received non service-connected 

disability benefits

194,641 survivors received non service-connected 

death benefits 
6 Annual Benefits Report FY 2007

Compensation and Pension

Data

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits 

in Fiscal Year 2007

Benefit Program Number of People

Estimated Total Annual 

Amounts Paid 

Estimated Average 

Annual Amounts Paid 

Compensation–Disability 187,717 $1,321,024,320 $7,037

Compensation–Death1 18,490 $244,726,321 $13,236 

Pension–Disability 46,471 $456,224,354 $9,817 

Pension–Death2 26,429 $165,602,162 $6,266 

Total 279,107 $2,187,577,157 $7,838

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 2007

Benefit Program Number of People

Estimated Total Annual 

Amounts Paid 

Estimated Average 

Annual Amounts Paid 

Compensation–Disability 2,844,178 $27,969,259,960 $9,833 

Compensation–Death1 329,725 $4,492,615,620 $13,625 

Pension–Disability 322,875 $2,787,633,996 $8,634 

Pension–Death 194,641 $771,217,752 $3,962 

Total 3,691,419 $36,020,727,328 $9,757 

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 2007

Combined 

Degree

Number of 

Veterans

Estimated Total 

Annual Amounts Paid

Estimated Average 

Annual Amounts Paid

0% 521 $591,804 $1,136 

10% 52,949 $73,625,808 $1,391 

20% 33,702 $92,730,150 $2,751 

30% 25,851 $118,557,462 $4,586 

40% 20,748 $138,144,792 $6,658 

50% 14,004 $130,116,192 $9,291 

60% 13,009 $156,560,148 $12,035 

70% 9,316 $147,276,558 $15,809 

80% 5,580 $101,695,392 $18,225 

90% 2,384 $49,763,082 $20,874 

100% 9,653 $311,962,932 $32,318 

Total 187,717 $1,321,024,320 $7,037 

Five Year Comparison of Combined Degree of Service-Connected Disabilities 

for Veterans Who Began Receiving Compensation

Combined Degree 2003 2004 2005 2006 2007

0% 635 434 504 505 521 

10% 44,304 42,555 46,264 47,667 52,949 

20% 36,035 29,765 31,347 30,989 33,702 

30% 22,039 20,031 22,898 23,264 25,851 

40% 16,377 14,934 17,311 18,234 20,748 

50% 10,869 10,230 11,880 11,745 14,004 

60% 8,573 7,961 9,736 10,229 13,009 

70% 6,459 6,087 6,863 6,879 9,316 

80% 3,184 2,949 3,733 3,847 5,580 

90% 1,456 1,322 1,671 1,718 2,384 

100% 8,004 7,913 8,145 7,728 9,653 

Total 157,935 144,181 160,352 162,805 187,717 
8 Annual Benefits Report FY 2007

Compensation and Pension

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

During Fiscal Year 2007

Disability Number of Veterans Percent of Total

Tinnitus 62,488 8.8%

Hearing loss 46,591 6.9%

Lumbosacral or Cervical Strain 28,195 4.8%

Post traumatic stress disorder 26,817 4.3%

Tendon inflammation 24,382 3.9%

Degenerative arthritis of the spine 22,592 3.2%

Limitation of flexion, knee 22,082 2.9%

Diabetes mellitus 21,966 2.7%

Scars, general 19,666 2.3%

Traumatic arthritis 17,568 2.3%

Total - Most Frequent Disabilities 292,347 42.1%

Total - All Disabilities 720,359 100.0%

Total Number of Service-Connected Disability Benefits by Combined Percent of Disability for 

Veterans Receiving Compensation — End of Fiscal Year 2007

Combined 

Degree

Number of 

Veterans

Estimated Total 

Annual Amounts Paid

Estimated Average 

Annual Amounts Paid 

0% 13,790 $12,536,923 $909 

10% 784,286 $1,089,548,352 $1,389 

20% 430,925 $1,176,144,204 $2,729

30% 346,198 $1,608,512,238 $4,646 

40% 275,242 $1,850,157,572 $6,721

50% 172,995 $1,633,614,576 $9,443

60% 198,627 $3,046,827,798 $15,339

70% 179,280 $4,061,933,497 $22,656

80% 125,405 $3,166,751,652 $25,252

90% 67,439 $1,867,293,336 $27,688

100% 249,991 $8,455,939,812 $33,824

Total 2,844,178 $27,969,259,960 $9,834
Veterans Benefits Administration Making a difference 9Compensation and Pension

Five Year Comparison of Service-Connected Disabilities by Body System 

for Veterans Who Began Receiving Compensation — by Fiscal Year

Body System 2003 2004 2005 2006 2007

Percent 

Change 

2003-2007

Musculoskeletal System 164,970 164,297 194,331 206,588 270,949 39.1%

Impairment of Auditory 

Acuity 75,316 76,836 88,366 92,407 112,421 33.0%

Skin 42,766 36,955 41,161 41,882 78,068 45.2%

Neurological Conditions 33,575 28,922 33,602 34,222 53,142 36.8%

Mental Disorders 31,022 23,564 33,308 32,838 42,936 27.7%

Respiratory System 20,678 19,239 21,903 22,582 33,456 38.2%

Digestive System 22,017 19,078 21,281 20,932 32,621 32.5%

Cardiovascular System 28,069 28,315 26,577 23,762 31,142 9.9%

Endocrine System 36,897 26,206 26,274 25,457 24,328 -51.7%

Genitourinary System 14,993 12,884 14,670 14,828 22,214 32.5%

Eye 5,708 4,774 5,529 5,562 8,152 30.0%

Gynecological Conditions 2,780 2,487 2,670 2,951 3,920 29.1%

Dental and Oral 

Conditions 1,915 1,616 1,868 1,823 3,236 40.8%

Hemic and Lymphatic 

Systems 1,484 1,822 1,814 1,545 2,018 26.5%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies 3,233 2,702 2,705 2,476 1,756 -84.1%

Total 485,423 449,697 516,059 529,855 720,359 32.6%
10 Annual Benefits Report FY 2007 Compensation and Pension

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

Combined Percent - Five Fiscal Years

Combined 

Degree 2003 2004 2005 2006 2007

Percent Change 

2003-2007 

0% 15,925 15,313 14,750 14,291 13,790 -15.5%

10% 791,473 782,910 775,854 775,346 784,286 -0.9%

20% 396,640 402,492 408,667 417,721 430,925 8.0%

30% 318,239 321,521 327,007 334,931 346,198 8.1%

40% 227,918 236,785 246,987 259,834 275,242 17.2%

50% 136,535 143,291 151,943 161,568 172,995 21.1%

60% 151,443 161,050 172,694 184,264 198,627 23.8%

70% 123,951 138,548 153,190 165,257 179,280 30.9%

80% 80,545 91,526 102,979 113,404 125,405 35.8%

90% 40,339 46,818 54,161 60,546 67,439 40.2%

100% 202,221 215,442 228,747 238,662 249,991 19.1%

Total 2,485,229 2,555,696 2,636,979 2,725,824 2,844,178 12.6%

Age of Veterans Who Began Receiving Service-Connected Compensation During Fiscal Year 2007

Age Number of Veterans Estimated Annual Payments Percent of Total 

34 and under 50,338 $297,675,696 26.8%

35 - 54 59,947 $435,799,740 31.9%

55 -74 62,874 $479,183,538 33.5%

75 and over 14,558 $108,365,346 7.8%

Total 187,717 $1,321,024,320 100.0%

Age of Veterans Receiving Service-Connected Compensation End of Fiscal Year 2007

Age Number of Veterans Estimated Annual Payments Percent of Total

34 and under 244,566 $1,477,215,294 8.6%

35 - 54 867,346 $7,172,803,149 30.5%

55 -74 1,209,846 $14,248,967,082 42.5%

75 and over 522,420 $5,070,274,435 18.4%

Total 2,844,178 $27,969,259,960 100.0%
Veterans Benefits Administration Making a difference 11Compensation and Pension

Total Individual Service-Connected Disabilities by Evaluation 

for Veterans Receiving Compensation End of Fiscal Year 2007

Evaluation Number of Disabilities

0% 3,336,956

10% 3,888,151

20% 978,928

30% 690,893

40% 240,443

50% 213,015

60% 157,097

70% 116,861

80% 11,775

90% 3,556

100% 242,906

Total 9,880,581

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

combined evaluation, not as 100% disabled.

Frequency of Individual Service-Connected Disabilities by Body System 

for Veterans Receiving Compensation End of Fiscal Year 2007

Body System

Number of Disabilities

Total

Percent 

of Total 

Musculoskeletal System 3,691,871 37.4%

Impairment of Auditory Acuity 1,124,454 11.4%

Skin 1,091,036 11.0%

Neurological Conditions 782,573 7.9%

Mental Disorders 629,475 6.4%

Cardiovascular System 578,278 5.9%

Digestive System 572,625 5.8%

Respiratory System 440,470 4.5%

 Genitourinary System 324,490 3.3%

Endocrine System 306,055 3.0%

Eye 155,032 1.6%

Gynecological System 58,774 0.6%

Infectious Diseases, Immune 

Disorders, Nutritional Deficiencies 50,147 0.5%

Dental and Oral Conditions 43,982 0.4%

Hemic and Lymphatic System 31,319 0.3%

Total All Conditions 9,880,581 100.0%

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 2007 Compensation and Pension

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

Receiving Compensation End of Fiscal Year

Body System 2003 2004 2005 2006 2007

Percent Change 

FY 2003-FY 2007

Musculoskeletal System 2,652,380 2,786,986 3,002,239 3,173,080 3,691,871 28.2%

Impairment of 

Auditory Acuity 665,419 742,211 822,413 908,676 1,124,454 40.8%

Skin 770,083 778,521 799,131 818,377 1,091,036 29.4%

Neurological Conditions 422,448 581,442 521,970 573,812 782,573 46.0%

Mental Disorders 463,223 488,333 520,497 551,056 629,475 26.4%

Cardiovascular System 419,039 442,640 471,455 490,435 578,278 27.5%

Digestive System 448,128 452,307 457,934 464,479 572,625 21.7%

Respiratory System 325,106 334,866 347,190 360,943 440,470 26.2%

Endocrine System 185,908 217,126 247,324 276,094 324,490 42.7%

Genitourinary System 180,785 196,268 214,036 231,307 306,055 40.9%

Eye 113,553 117,256 121,443 125,770 155,032 26.8%

Gynecological Conditions 41,905 44,156 46,880 49,646 58,774 28.7%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies 46,576 46,045 45,076 44,369 50,147 7.1%

Dental and 

Oral Conditions 30,171 31,114 32,211 33,327 43,982 31.4%

Hemic and 

Lymphatic Systems 23,122 24,996 25,988 26,980 31,319 26.2%

Total 6,787,846 7,284,267 7,675,787 8,128,351 9,880,581 31.3%

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. 39.4% of the 

total service-connected disabilities are rated 

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

Total Service-Connected Disabilities for Veterans Receiving Compensation End of Fiscal Year 2007 

by Percent and Body System

Rating Musculoskeletal System Auditory Skin Neurological Conditions

0% 980,368 26.6% 448,772 39.9% 756,070 69.3% 115,486 14.8%

10% 1,821,722 49.3% 574,359 51.1% 289,187 26.5% 414,062 52.9%

20% 492,031 13.3% 30,343 2.7% 4,929 0.5% 107,968 13.8%

30% 167,849 4.5% 22,888 2.0% 30,852 2.8% 68,487 8.8%

40% 126,446 3.4% 16,522 1.5% 1,976 0.2% 33,518 4.3%

50% 20,765 0.6% 10,050 0.9% 3,651 0.3% 16,162 2.1%

60% 52,266 1.4% 5,672 0.5% 3,623 0.3% 10,111 1.3%

70% 4,298 0.1% 3,410 0.3% 26 0.0% 2,920 0.4%

80% 1,607 0.0% 3,441 0.3% 451 0.0% 3,524 0.5%

90% 1,050 0.0% 1,269 0.1% 4 0.0% 505 0.1%

100% 23,469 0.6% 7,728 0.7% 267 0.0% 9,830 1.3%

Total 3,691,871 37.4% 1,124,454 11.4% 1,091,036 11.0% 782,573 7.9%

Rating Mental Disorders Cardiovascular Digestive System Respiratory System

0% 20,223 3.2% 110,923 19.2% 341,357 59.6% 214,608 48.7%

10% 106,248 16.9% 258,573 44.7% 152,246 26.6% 113,745 25.8%

20% 414 0.1% 52,764 9.1% 27,438 4.8% 6,316 1.4%

30% 156,551 24.9% 82,035 14.2% 28,080 4.9% 51,955 11.8%

40% 201 0.0% 14,712 2.5% 7,451 1.3% 1,348 0.3%

50% 119,273 18.9% 1,511 0.3% 993 0.2% 25,788 5.9%

60% 168 0.0% 37,363 6.5% 6,363 1.1% 13,530 3.1%

70% 103,838 16.5% 192 0.0% 167 0.0% 133 0.0%

80% 39 0.0% 68 0.0% 138 0.0% 206 0.0%

90% 4 0.0% 9 0.0% 0 0.0% 2 0.0%

100% 122,516 19.5% 20,128 3.5% 8,392 1.5% 12,839 2.9%

Total 629,475 6.4% 578,278 5.9% 572,625 5.8% 440,470 4.5%

Rating Genitourinary System Endocrine System Eye Gynecological System

0% 182,100 56.1% 8,244 2.7% 60,644 39.1% 22,970 39.1%

10% 36,912 11.4% 53,372 17.4% 40,307 26.0% 8,017 13.6%

20% 22,907 7.1% 218,720 71.5% 8,495 5.5% 147 0.3%

30% 24,131 7.4% 2,484 0.8% 29,119 18.8% 14,303 24.3%

40% 13,670 4.2% 16,034 5.2% 6,715 4.3% 488 0.8%

50% 31 0.0% 59 0.0% 2,115 1.4% 12,348 21.0%

60% 19,807 6.1% 4,249 1.4% 1,379 0.9% 121 0.2%

70% 7 0.0% 15 0.0% 1,627 1.0% 3 0.0%

80% 2,013 0.6% 15 0.0% 174 0.1% 32 0.1%

90% 0 0.0% 7 0.0% 705 0.5% 0 0.0%

100% 22,912 7.1% 2,856 0.9% 3,752 2.4% 345 0.6%

Total 324,490 3.3% 306,055 3.0% 155,032 1.6% 58,774 0.6%
14 Annual Benefits Report FY 2007 Compensation and Pension

Total Service-Connected Disabilities for Veterans Receiving Compensation End of Fiscal Year 2007 

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% 39,452 78.7% 24,546 55.8% 11,193 35.7% 3,336,956 33.8%

10% 3,987 8.0% 13,075 29.7% 2,339 7.5% 3,888,151 39.4%

20% 924 1.8% 3,716 8.4% 1,816 5.8% 978,928 9.9%

30% 1,607 3.2% 1,832 4.2% 8,720 27.8% 690,893 7.0%

40% 583 1.2% 548 1.2% 231 0.7% 240,443 2.4%

50% 53 0.1% 203 0.5% 13 0.0% 213,015 2.2%

60% 2,018 4.0% 9 0.0% 418 1.3% 157,097 1.6%

70% 8 0.0% 3 0.0% 214 0.7% 116,861 1.2%

80% 61 0.1% 1 0.0% 5 0.0% 11,775 0.1%

90% 1 0.0% 0 0.0% 0 0.0% 3,556 0.0%

100% 1,453 2.9% 49 0.1% 6,370 20.3% 242,906 2.5%

Total 50,147 0.5% 43,982 0.4% 31,319 0.3% 9,880,581 100%

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Musculoskeletal System

Impairment of the knee, general 266,178 7.2%

Traumatic arthritis 251,348 6.8%

Condition of the skeletal system 170,915 4.6%

Endocrine System

Diabetes mellitus 272,898 89.2%

Hypothyroidism 18,726 6.1%

Hyperthyroidism 6,061 2.0%

Impairment of 

Auditory Acuity

Defective hearing 516,442 45.9%

Tinnitus 495,689 44.1%

Otitis media, suppurative, chronic 22,124 2.0%

Genitourinary System

Penile deformity (loss of erectile power) 83,706 25.8%

Malignant growths of genitourinary system 46,356 14.3%

Prostate gland injuries 38,086 11.7%

Skin

Scars, general 373,251 34.2%

Scars, superficial (tender) 156,031 14.3%

Eczema 137,880 12.6%
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 one eye 20/100, 20/70 or 20/50; 20/40 in other 15,658 10.1%

Conjunctivitis, chronic 11,544 7.4%

Unhealed eye injury 10,394 6.7%

Neurological

Paralysis of the sciatic nerve 151,750 19.4%

Migraine 114,858 14.7%

Paralysis of the median nerve 106,601 13.6%

Gynecological System

Removal of uterus 11,726 20.0%

Removal of uterus and both ovaries 11,359 19.3%

Benign growths of gynecological system or breast 5,710 9.7%

Mental Disorders

Post traumatic stress disorder 320,957 51.0%

Generalized anxiety disorder 58,985 9.4%

Major depressive disorder 58,778 9.3%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies

Malaria 33,938 67.7%

Chronic fatigue syndrome 3,606 7.2%

HIV-Related Illness 3,166 6.3%

Cardiovascular System 

Hypertensive vascular disease 244,859 42.3%

Residuals of cold injury 80,809 14.0%

Arteriosclerotic heart disease (Coronary artery disease) 69,537 12.0%

Dental and Oral Conditions

Limited motion of the jaw 22,402 50.9%

Malunion of lower jaw 8,397 19.1%

Jaw condition - general 4,992 11.4%

Digestive System

Hemorrhoids 161,109 28.1%

Hiatal hernia 99,049 17.3%

Inguinal hernia 59,343 10.4%

Hemic and Lymphatic 

Systems

Splenectomy (removal of spleen) 7,369 23.5%

Anemia 5,864 18.7%

Non-Hodgkin's lymphoma 5,178 16.5%

Respiratory System

Bronchial asthma 67,578 15.3%

Allergic rhinitis 53,478 12.1%

Maxillary sinusitis 49,036 11.1%

(continued)
16 Annual Benefits Report FY 2007 Compensation and Pension

Most Prevalent Disabilities for Veterans Receiving Compensation End of Fiscal Year 2007

Body System Disability

Number of 

Veterans

All Conditions 

FY 2007 

(Percent of Total)

Impairment of Auditory Acuity Tinnitus 495,689 5.0%

Impairment of Auditory Acuity Hearing loss 476,387 4.8%

Skin Scars, general 373,251 3.8%

Mental Disorders Post traumatic stress disorder 320,957 3.2%

Endocrine System Diabetes mellitus 272,898 2.8%

Musculoskeletal System Impairment of the knee, general 266,178 2.7%

Musculoskeletal System Traumatic arthritis 251,348 2.5%

Cardiovascular System Hypertensive vascular disease 244,859 2.5%

Musculoskeletal System Condition of the skeletal system 170,915 1.7%

Musculoskeletal System Limitation of motion of the ankle 169,596 1.7%

Total Veterans Receiving Service-Connected Disability Benefits End of Fiscal Year 2007

Period 

of Service

Number of 

Veterans

Estimated Total Annual 

Amounts Paid

Estimated Average 

Annual Amounts Paid

World War II 302,580 $2,796,180,870 $9,241

Korean Conflict 159,637 $1,557,554,179 $9,757

Vietnam Era 983,725 $12,803,123,886 $13,015

Gulf War 795,780 $5,960,189,019 $7,490

Peacetime Era 602,456 $4,852,212,006 $8,054

Total 2,844,178 $27,969,259,960 $9,834
Veterans Benefits Administration Making a difference 17Compensation and Pension

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2007

Period of Service Disability Number of Disabilities Percent of Total

World War II 

Hearing loss 55,213 8.0%

Tinnitus 39,827 5.8%

Residuals of cold injury 39,607 5.8%

Scars, general 28,874 4.2%

Post traumatic stress disorder 26,401 3.8%

Generalized anxiety disorder 24,795 3.6%

Traumatic arthritis 17,281 2.5%

Scars, superficial (tender) 15,216 2.2%

Flatfoot, acquired 12,856 1.9%

Scars, head, face or neck 10,931 1.6%

Korean Conflict

Hearing loss 38,269 10.1%

Tinnitus 31,474 8.3%

Residuals of cold injury 23,654 6.2%

Scars, general 16,065 4.2%

Post traumatic stress disorder 12,704 3.4%

Scars, superficial (tender) 8,131 2.1%

Traumatic arthritis 7,607 2.0%

Duodenal ulcer 6,231 1.6%

Scars, head, face or neck 6,117 1.6%

Impairment of the knee, general 5,513 1.5%

Vietnam Era

Diabetes mellitus 236,907 6.9%

Post traumatic stress disorder 223,764 6.6%

Hearing loss 195,294 5.7%

Tinnitus 171,905 5.0%

Scars, general 150,443 4.4%

Paralysis of the sciatic nerve 103,038 3.0%

Hypertensive vascular disease 83,580 2.5%

Impairment of the knee, general 68,323 2.0%

Penile deformity (loss of erectile power) 65,144 1.9%

Traumatic arthritis 55,669 1.6%
18 Annual Benefits Report FY 2007 Compensation and Pension

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2007

Period of Service Disability Number of Disabilities Percent of Total

Gulf War

Tinnitus 175,248 4.9%

Scars, general 114,070 3.2%

Traumatic arthritis 114,000 3.2%

Lumbosacral or Cervical Strain 107,575 3.0%

Impairment of the knee, general 103,884 2.9%

Hearing loss 103,545 2.9%

Hypertensive vascular disease 100,495 2.8%

Limitation of flexion, knee 98,898 2.7%

Tendon inflammation 98,153 2.7%

Limitation of motion of the ankle 96,992 2.7%

Peacetime Periods

Hearing loss 84,065 4.7%

Impairment of the knee, general 81,581 4.5%

Tinnitus 77,234 4.3%

Scars, general 63,799 3.6%

Traumatic arthritis 56,791 3.2%

Hypertensive vascular disease 53,006 3.0%

Condition of the skeletal system 49,426 2.8%

Lumbosacral strain 39,828 2.2%

Hemorrhoids 37,732 2.1%

Limitation of motion of the ankle 36,589 2.0%

Service-Connected Disabilities at the End of Fiscal Year 2007 by Period of Service

Period

of Service

World War 

II

Korean 

Conflict

Vietnam 

Era

Gulf 

War 

Peacetime 

Periods

Total Number of Disabilities 686,285 378,964 3,409,881 3,609,751 1,795,700

Average Number of Disabilities per Veteran 2.27 2.37 3.47 4.54 2.98

Veterans Receiving Compensation 302,580 159,637 983,725 795,780 602,456

Total Veteran Population 3,024,694 2,962,250 7,635,650 4,459,594 5,894,804 

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2007 (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 Veterans who died from 

their service-connected disabilities.

This section provides information about surviving 

spouses, children, and parents who received DIC 

during Fiscal Year 2007.

Total Beneficiaries Who Began Receiving DIC from Fiscal Year 2003- 2007

Type of Benefit 2003 2004 2005 2006 2007

Surviving Spouses 17,029 17,007 17,480 15,993 17,140 

Surviving Children 1,930 1,821 1,396 1,248 1,124 

Surviving Parents 229 291 286 220 226 

Total 19,188 19,119 19,162 17,461 18,490

Source: Benefits Delivery Network CP-127.

Total Beneficiaries Receiving DIC by Relationship End of Fiscal Year 2007

Relationship Beneficiaries Number Percent

Surviving Spouse 317,371 94.8%

Child 11,730 3.5%

Parent 5,537 1.7%

Total 334,638 100.0%

Source: Benefits Delivery Network - COIN CP-127.

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2007

Age Number of Beneficiaries Estimated Annual Payments Percent of Total

35 and under 749 $9,938,176 4.4%

36 - 55 2,782 $37,983,273 16.2%

56 - 75 8,616 $118,769,964 50.3%

Over 75 4,993 $70,130,506 29.1%

Total 17,140 $236,821,919 100.0%

Source: Benefits Delivery Network - COIN CP-127.

Age of Children Who Began Receiving DIC Benefits in Fiscal Year 2007

Children’s Age Number of Beneficiaries Estimated Annual Payments

Under Age 181 534 $2,995,353

Age 18 and over in School 392 $1,347,132

Age 18 and over - Helpless 198 $1,384,329

Total 1,124 $5,726,814

Source: Benefits Delivery Network–COIN CP-127.

1Includes 173 consolidated awards that account for more than one child.
20 Annual Benefits Report FY 2007 Compensation and Pension

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

End of Fiscal Year 2007

Period of Service

Number of 

Beneficiaries

Estimated Average Annual 

Amounts Paid

Estimated Total Annual 

Amounts Paid

Spanish American War 3 $8,604 $25,812 

Mexican Border 1 $12,804 $12,804 

World War I 820 $12,499 $10,249,380 

World War II 100,590 $13,664 $1,358,145,300 

Korean Conflict 36,637 $14,063 $509,487,708 

Vietnam Era 142,162 $13,475 $1,915,582,776 

Gulf War 16,617 $14,053 $233,515,632 

Peacetime Periods 37,808 $13,496 $465,596,208 

Total 334,638 $13,625 $4,492,615,620 

Source: Benefits Delivery Network–RCS 20-0221. 

Surviving Spouses Receiving DIC by Age End of Fiscal Year 2007

Age Number of Beneficiaries Estimated Average Annual Amounts Paid Estimated Annual Payment

35 and Under 3,357 $13,624 $44,493,698 

36 - 55 30,796 $13,625 $413,695,753 

56 - 75 128,295 $13,625 $1,769,609,132 

Over 75 154,923 $13,625 $2,174,126,140 

Total 317,371 $13,625 $4,401,924,722 

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

Children Receiving DIC by Age End of Fiscal Year 2007

Age Number of Beneficiaries Estimated Average Annual Amounts Paid Estimated Annual Payment

Under Age 18* 3,961 $5,858 $23,281,646 

Age 18 and over 

— in School 400 $3,021 $1,374,624 

Age 18 and over 

— Helpless 7,369 $7,227 $51,520,806 

Total 11,730 $6,591 $76,177,076 

*Includes 1,945 consolidated awards that account for more than one child.

Source: Benefits Delivery Network – COIN CP-127.
Veterans Benefits Administration Making a difference 21Compensation and Pension

Disability Pension

Disability pension is payable to wartime Veterans 

who are age 65 and older or are determined 

permanently and totally disabled as the result of 

a non-service-connected disability. Disabilities for 

pension claims are evaluated in the same manner 

as disabilities for compensation claims (using 

the VA Schedule for Rating Disabilities in Title 38, 

U.S. Code of 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 eligibility criteria, the beneficiary must 

establish entitlement to pension under the rules of 

the current program.

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2007

Type of Pension

Number of 

Veterans

Estimated Average Annual 

Amounts Paid

Estimated Total Annual 

Amounts Paid

PL 95-588

New Law Pension 46,462 $9,819 $456,208,310 

Other Pension Programs 9 $1,783 $16,044 

Total 46,471 $9,817 $456,224,354 

Source: Benefits Delivery Network–COIN CP 103.

Total Veterans Receiving Disability Pension End of Fiscal Year 2007

Type of Pension

Number of 

Veterans

Estimated Average Annual 

Amounts Paid

Estimated Annual 

Amounts Paid

Protected (Old Law) 

Pension 90 $1,060 $95,364 

Section 306 Pension 7,161 $1,634 $11,699,628 

PL 95-588 

New Law Pension 315,624 $8,795 $2,775,839,004 

Total 322,875 $8,634 $2,787,633,996 

Source: Benefits Delivery Network—RCS-20-0221.
22 Annual Benefits Report FY 2007 Compensation and Pension

Disability Pension by Period of Service End of Fiscal Year 2007

Period 

of Service

Other Pension -

 Number of Beneficiaries

New Law Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated Annual 

Payments

World War I 0 2 2 $18,384

World War II 4,377 89,915 94,292 $758,608,236

Korean Conflict 2,189 61,673 63,862 $409,577,136

Vietnam Era 685 157,573 158,258 $1,550,955,288

Gulf War 0 6,461 6,461 $68,474,952

Total 7,251 315,624 322,875 $2,787,633,996

Source: Benefits Delivery Network–RCS 20-0221.

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

into one category.

Number of Veterans Who Began Receiving Disability Pension Benefits During Fiscal Year 2007 by Age

Age

Other 

Pension

New Law 

Pension

Combined 

Programs

Estimated 

Annual 

Payments

Percent 

of Total

35 and under 0 441 441 $4,329,473 0.9%

36 - 55 0 7,827 7,827 $76,840,783 16.8%

56 - 75 0 16,860 16,860 $165,521,349 36.4%

Over 75 9 21,334 21,343 $209,532,749 45.9%

Total 9 46,462 46,471 $456,224,354 100.0%

Source: Benefits Delivery Network - COIN CP-103.

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

into one. Additionally, this category references entitlement restored.

Veterans Receiving Disability Pension End of Fiscal Year 2007 by Age

Age Number of Veterans Estimated Annual Payments 

Under 45 4,877 $51,743,520 

45 - 54 35,977 $368,384,460 

55 - 69 123,102 $1,193,140,404 

70 - 84 111,524 $757,638,192 

85 and over 47,395 $ 416,727,420 

Total 322,875 $2,787,633,996

Source: Benefits Delivery Network - RCS 20-0236 Table 2, RCS 20-0238 Table 8. 
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 2007 by Program 

Type of Pension

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

PL 95-588– New Law Pension 26,402 $6,271 $165,578,497 

Other Pension Programs 27 $876 $23,665 

Total 26,429 $6,266 $165,602,162 

Source: Benefits Delivery Network–COIN CP 103.

Total Beneficiaries Receiving Death Pension by Program End of Fiscal Year 2007

Type of Pension Number of Beneficiaries

Estimated Total 

Annual Amounts Paid 

Protected (Old Law) Pension 286 $210,180

Section 306 Pension 34,529 $36,926,112

PL 95-588 New Law Pension 159,826 $734,081,460

Total 194,641 $771,217,752

Source: Benefits Delivery Network–RCS 20-0221. 

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2007 by Age

Age

Other 

Pension*

New Law 

Pension

Combined 

Programs

Estimated Annual 

Payments

Percent of 

Total

35 and under 0 50 50 $315,463 0.2%

36 - 55 0 1,915 1,915 $12,082,232 7.3%

56 - 75 1 5,266 5,267 $33,230,869 20.1%

Over 75 5 18,943 18,948 $119,547,845 72.4%

Total 6 26,174 26,180 $165,176,409 100.0%

Source: Benefits Delivery Network - COIN CP-103.

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

one. Additionally, this category references entitlement restored.
24 Annual Benefits Report FY 2007 Compensation and Pension

Surviving Spouses Receiving Death Pension End of Fiscal Year 2007 by Age

Age Other Pension* New Law Pension All Pension Programs Estimated Annual Payment 

35 and Under — 207 207 $983,440 

36 - 55 98 13,086 13,184 $62,287,621 

56 - 75 2,598 46,616 49,214 $224,572,281 

Over 75 22,705 95,354 118,059 $480,059,999 

Total 25,401 155,263 180,664 $767,903,341 

Source: Benefits Delivery Network - COIN CP-103.

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

one. Additionally, this category references entitlement restored.

Death Pension by Period of Service End of Fiscal Year 2007

Period of Service

Other Pension - 

Number of Beneficiaries

New Law Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated 

Annual Payments

Wars of 1800s* 148 128 276 $989,052

World War I 4,099 4,384 8,483 $22,575,324

World War II 27,181 110,562 137,743 $509,294,988

Korean Conflict 2,869 24,048 26,917 $105,210,504

Vietnam Era 518 20,326 20,844 $130,812,108

Gulf War 0 378 378 $2,335,776

Total 34,815 159,826 194,641 $771,217,752

Source: Benefits Delivery Network–RCS 20-0221.

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

into one category.

*“Wars of the 1800s” include the Civil War, Mexican Border Era, and Spanish-American War.
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 65,133 

Surviving Spouse 14,478

Adult Disabled Child 17,748

Minor Child 2,844

Dependent Parent 129

Total 100,332 

Source: COIN DOOR 7009.

Benefits Paid by Benefit Program

Benefit Program/ 

Payee Category

Estimated Average 

Annual Amounts Paid 

Estimated Total 

Annual Amounts Paid 

Compensation–Disability $29,845 $1,036,229,532 

Compensation–Death $9,226 $98,554,692 

Pension–Disability $11,046 $274,158,000 

Pension - Death $3,382 $75,302,700 

Total $16,048 $1,484,244,924 

Source: CP 129 - December 2007.

Relationship of Fiduciary

Relationship Number

Legal Custodian 69,109

Spouse 14,023

Court-appointed Fiduciary 10,953

Institutional 3,490

Supervised Direct Payment 2,755

Supt. of Indian Reservation 2

Total 100,332

Source: COIN DOOR 7009.
Ex- GI’s at Howard University

Washington DC

File: 323-R

OPA/VACO 

26 Annual Benefits Report FY 2007 Education

Education

Current Benefits

There were six active education programs at the end of 

Fiscal Year 2007: 

 All-Volunteer Force Educational Assistance Program 

(Montgomery GI Bill- Active Duty), 

 Educational Assistance for Members of the Selected Reserve 

(Montgomery GI Bill- Selected Reserve), 

 Reserve Educational Assistance Program (REAP) , 

 Post-Vietnam Era Veterans’ Educational Assistance 

Program (VEAP), 

 Survivors’ and Dependents’ Educational Assistance 

(Dependents Educational Assistance - DEA) and the

 National Call to Service Incentive Program (NCS).

Education Programs

All-Volunteer Force Educational Assistance Program 

(Montgomery GI Bill - Active Duty)

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

program. The servicemember’s pay is automatically reduced by 

$100 per month for the first 12 months of active duty unless the 

servicemember declines to participate at the time of enlistment. 

Requirements and features of MGIB-AD participants are as follows:

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

 Must fulfill one’s basic service obligation unless released for 

an acceptable reason;

 Must have completed the requirements of a secondary school 

diploma, or its equivalent, before applying for benefits;

 Must receive an honorable discharge;

 Maximum entitlement is 36 months.

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 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

Educational Assistance for members of the 

Selected Reserve 

(Montgomery GI Bill - Selected Reserve)

Montgomery GI Bill- Selected Reserve (MGIB-SR) is 

the first GI Bill to provide educational assistance 

to members of the Selected Reserve (including 

National Guard members). DoD funds this program 

and is responsible for determining eligibility. VBA 

administers the program. Requirements and 

features of MGIB-SR include:

 Must agree to a six-year Selected Reserve 

obligation after June 30,1985;

 Must have completed the requirements of a 

secondary school diploma, or its equivalent, 

before applying for benefits;

 Must remain a member in good standing in 

the Selected Reserve; 

 Maximum entitlement is 36 months; and 

generally, must use benefits within 14 years of 

date eligibility began.

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;

 Must have served on active duty beginning on 

or after September 11, 2001;

 Must have served on active duty in support of 

a contingency operation under federal authority 

for a minimum of 90 consecutive days;

 Maximum full time entitlement is 36 months;

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

enlistment rate.

Post-Vietnam Era Veterans’ Educational Assistance 

Program (VEAP)

VEAP was the first GI Bill program that required a 

contribution by the servicemember. Requirements 

and features of VEAP are as follows:

 First entered active duty after December 31, 

1976, and before July 1, 1985;

 Contributed to VEAP while on active duty and 

before April 1, 1987;

 Maximum contribution of $2,700 by 

the servicemember;

 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 up to a maximum 

of $300 per month plus any DoD 

“kicker” adjustment.
28 Annual Benefits Report FY 2007 Education

Dependents Educational Assistance (DEA)

DEA is a VA educational assistance program 

designed for certain Veterans dependents. 

Features and requirements of DEA are as 

follows:

 Eligibility is based on the Veteran’s 

service-connected death, total 

service-connected disability, 

or MIA/POW/Hostage status; 

 Maximum entitlement is 45 months; 

 Children generally have eight years in which to 

use benefits;

 With some exceptions, children must be 

between ages 18 and 26; 

 Spouses generally have 10 years in which to 

use benefit and 20 years if the Veteran dies 

on active duty;

 A spouse loses entitlement if they remarry 

before age 57 but may have entitlement 

restored if the remarriage terminates by death 

or divorce.

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. 

National Call to Service (NCS)

Note: NCS data is combined with MGIB-AD number of 

beneficiaries and total payments. 

The National Call to Service 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;

 Educational allowance for up to 36 months 

payable at 50% of the monthly rate for basic 

educational assistance allowances under 

section 3015(b)(1) of title 38, U.S.C.

(1) reenlistment/extension on active duty 

for a period of at least 24 months; or 

(2) 24 months of duty in the Selected 

Reserve (SELRES);

 Following the above service, the remainder 

of the MSO shall be served:

(1) On active duty; or

(2) In the SELRES; or

(3) In the Individual Ready Reserve (IRR); or

(4) In other national service programs as 

designated by the Secretary of Defense; 

or 

(5) In any combination of the above.

There are four (4) incentives available for 

individuals enlisting under this program:

 Bonus of $5,000.

 Repayment of qualifying student loans, 

as defined in section 510(i)(2) of title 10, 

U.S.C., (principal and interest) up 

to $18,000.

 Educational allowance for up to 12 months 

payable at the monthly rate for basic 

educational assistance allowances under 

section 3015(a)(1) of title 38, U.S.C.

 Educational allowance for up to 36 months 

payable at 50 percent of the monthly rate 

for basic educational assistance allowances 

under section 3015(b)(1) of title, 38 U.S.C.
Veterans Benefits Administration Making a difference 29Education

Quick Reference Guide

Beneficiaries by Program Fiscal Year 2003-2007

Program 2003 2004 2005 2006 2007 

MGIB-AD 321,837 332,031 336,347 332,184 343,751

MGIB-SR 88,342 88,650 87,161 66,105 60,298

REAP 0 0 0 23,747 41,388

DEA 61,874 68,920 74,267 75,460 77,339

VEAP 917 796 723 627 568

Total 472,970 490,397 498,498 498,123 523,344

Source: Education Service SAS Reports.

New Education Beneficiaries by Program, Fiscal Year 2007

Program Number of Beneficiaries Percent of Total 

MGIB-AD1 68,246 66.8%

MGIB-SR2 13,424 13.1%

REAP 9,214 9.0%

DEA 11,129 11.0%

VEAP 96 0.1%

Total3 102,109 100.0%

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

3

 Total payment dollars include Section 901 Program participants.

Source: Education Service SAS Reports, 

Benefits Delivery System Reports, and HINES 

Finance Center Reports.

New Education Beneficiaries by Training Type and Program, Fiscal Year 2007

Education Program

College, 

Non-Degree Graduate

UnderGraduateVocational/

Technical

Program 

Totals

Percent of All 

Programs

MGIB-AD1 2,694 3,500 57,022 5,030 68,246 66.8%

MGIB-SR2 324 384 12,260 456 13,424 13.1%

REAP 222 264 8,415 313 9,214 9.0%

DEA 1,181 348 9,526 74 11,129 11.0%

VEAP 6 23 55 12 96 0.1%

Type Training Totals 4,427 4,519 87,278 5,885 102,109 100.0%

Percent of Program Totals 4.3% 4.4% 85.5% 5.8%

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

Source: Education Service SAS Reports, Benefits Delivery 

System Reports, and HINES Finance Center Reports.
30 Annual Benefits Report FY 2007 Education

Training Available Under Education Benefit Programs

Available Training MGIB-AD MGIB-SR DEA VEAP REAP

College or University Degree X X X X X

Business, Technical or Vocational Programs X X X X X

Independent Study or Distance Learning X X X X X

Correspondence Courses X X X1 X X

Flight Training X X X2 X X

Reimbursement of Licensing & Certification Exams X X X X X

Accelerated Payments for High Tech Classes X 

Reimbursement for National Admissions & Credit Exams X X X 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

1Spouses only.

2Only 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 2007

Program Number of Beneficiaries Percent of Total Total Payments

MGIB-AD1 68,246 66.8% $2,081,096,572

MGIB-SR2 13,424 13.1% $146,434,418

REAP 9,214 9.0% $215,596,812

DEA 11,129 11.0% $511,793,037

VEAP 96 0.1% $914,482

Total3 102,109 100.0% $2,956,334,284

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

3Total payment dollars include Section 901 Program participants.

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

Beneficiaries Who Began Receiving Education Benefits by Fiscal Year

Program 2003 2004 2005 2006 2007

MGIB-AD1 73,270 76,496 68,414 62,184 68,246 

MGIB-SR2 21,055 20,193 19,589 11,056 13,424 

REAP 0 0 0 23,746 9,214 

DEA 16,728 11,624 11,047 5,569 11,129 

VEAP 222 175 155 93 96 

Total 111,275 108,488 99,205 102,648 102,109 

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 2003 2004 2005 2006 2007 

MGIB-AD1 321,837 332,031 336,347 332,184 343,751

MGIB-SR 88,342 88,650 87,161 66,105 60,298

REAP 0 0 0 23,747 41,388

DEA 61,874 68,920 74,267 75,460 77,339

VEAP 917 796 723 627 568

Total 472,970 490,397 498,498 498,123 523,344

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

Source: Education Service SAS reports.
32 Annual Benefits Report FY 2007 Education

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

During Fiscal Year 2007

Education 

Program

College

Vocational/ 

Technical

Program 

Totals

Percent 

of All 

Non-Degree Graduate Programs

Under 

Graduate

MGIB-AD1 2,694 3,500 57,022 5,030 68,246 66.8%

MGIB-SR 324 384 12,260 456 13,424 13.1%

REAP 222 264 8,415 313 9,214 9.0%

DEA2 1,181 348 9,526 74 11,129 11.0%

VEAP 6 23 55 12 96 0.1%

Type Training Totals 4,427 4,519 87,278 5,885 102,109 100.0%

1MGIB-AD Includes NCS, Peacetime Veterans and servicemembers. 2DEA less than one half time includes cooperative and correspondence training.

Source: Education Service SAS reports.

Beneficiaries Who Began Receiving Education Benefits by Training Time and Program 

During Fiscal Year 2007

Education 

Program

Training Time

Program 

Totals

Percent 

of All 

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

MGIB-AD1 3,330 9,438 8,038 47,440 68,246 66.8%

MGIB-SR 411 1,370 1,469 10,174 13,424 13.1%

REAP 282 940 1,008 6,983 9,214 9.0%

DEA2 428 1,002 1,081 8,618 11,129 11.0%

VEAP 15 23 5 53 96 0.1%

Training Time 

Totals 4,466 12,773 11,601 73,268 102,109 100.0%

Percent of 

Program Totals 4.4% 12.5% 11.4% 71.8%

1MGIB-AD includes NCS, Peacetime Veterans and servicemembers.

2DEA less than one-half time includes cooperative and correspondence training.

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

Beneficiaries Whose Benefits Terminated During Each Fiscal Year 2003 - 2007

Program 2003 2004 2005 2006 2007 

MGIB-AD 20,094 23,406 25,169 25,058 25,100 

MGIB-SR 3,029 3,046 3,073 3,051 2,836 

REAP 0 0 0 0 0 

DEA 270 681 811 408 973 

VEAP 134 90 94 50 37 

Total 23,527 27,223 29,147 28,567 28,946 

Note: Data on REAP not available.

Beneficiaries Whose Benefits Terminated During Fiscal Year 2007 by Reason

Program

Entitlement

Exhausted

Delimiting

Date

Total

Terminations

Percent of Total

Terminations

MGIB-AD 19,621 5,479 25,100 86.7%

MGIB-SR 2,464 372 2,836 9.8%

REAP 0 0 0 0.0%

DEA 704 269 973 3.4%

VEAP 24 13 37 0.1%

Total 22,813 6,133 28,946 100.0%

Percent of Total Terminations 78.8% 21.2% 100%

Note: Data on REAP not available.
34 Annual Benefits Report FY 2007 Education

Education Enhancements

The 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 

46 eligible participants and 27 beneficiaries in 

this program in Fiscal Year 2007, totaling over 

$145,000 in payments.

There are four additional ways 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.

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% increase in the number of unique trainees in 

Fiscal Year 2007 compared to Fiscal Year 2006.

Unique Trainees and Payments ($000)

FY 2004 FY 2005 FY 2006 FY 2007

Tuition 

Assistance 

Top-Up 11,786 $14,974 12,905 $17,868 13,245 $19,710 15,311 $24,710

License and 

Certification 

Tests 4,387 $1,819 3,334 $1,479 2,971 $1,414 3,822 $1,961

Accelerated 

Payment1 0 $6,621 0 $5,722 0 $6,116 0 $4,878

Total 16,173 $23,414 16,239 $25,069 16,216 $27,240 19,133 $31,549

Source: Education Service SAS reports. 1 Number of unique trainees not available.
“First to Fight.”

A group of U.S. Marines. 1918. 

USMC Recruiting Publicity Bureau. 

(War Dept.) 

WAR & CONFLICT BOOK #: 468

NARA - US National Archives 

& Records Administration 

Veterans Benefits Administration Making a difference 35Insurance

Insurance

The various life insurance programs can be grouped into the 

following three categories; Matured Life Insurance Programs, 

Disabled Veterans Life Insurance Programs, and Uniformed 

Services and Post-Vietnam Life Insurance Programs.

The purpose of the life insurance programs are to 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. It also provides for the conversion to a renewable 

term insurance policy after a servicemember’s separation from 

service. In addition, the program provides life insurance to Veterans 

who have lost their ability to purchase commercial insurance at standard 

(healthy) rates due to lost or impaired insurability resulting from military 

service.

Current Benefits

Matured Life Insurance Programs 

These programs were established to provide the same or better life 

insurance benefits than were available to private citizens when these 

programs were established. The matured life insurance programs are 

closed to the issuance of new coverage but continue to have active 

policies. These include the National Service Life Insurance (NSLI), 

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

Insurance (VSLI) and Veterans’ Reopened Insurance (VRI) programs.

Disabled Veterans Insurance Programs

These programs were established to provide insurance coverage and 

services to Veterans who lose their ability to purchase commercial 

insurance at standard (healthy) rates because of their service-connected 

disabilities. These life insurance programs continue to issue 

coverage. These include the Service-Disabled Veterans Insurance 

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

Uniformed Services and Post-Vietnam Veterans

These programs were established to provide insurance coverage 

and services to active duty and reserve members of the uniformed 

services that are commonly provided by large scale civilian 

employers. These include the Servicemembers’ Group Life 

Insurance (SGLI), Family Servicemembers’ Group Life Insurance 

(FSGLI), Traumatic Injury Protection Insurance (TSGLI) and the 

Veterans’ Group Life Insurance (VGLI) programs.

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.
36 Annual Benefits Report FY 2007 Insurance

Quick Reference Guide

Lives Insured 

The first table on this page displays the 

number of lives insured and the face amount 

for both the administered and supervised 

insurance programs.

Benefits Paid

The Benefits Paid table 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

Lives Insured 2003 2004 2005 2006 2007

Face Amount 

($ in billions) $745 $757 $1,155 $1,114 $1,086

Veterans 

(Administered Programs) 1,767,902 1,522,193 1,434,806 1,346,836 1,261,559

Veterans (VMLI) 2,793 2,625 2,514 2,438 2,368

Veterans (VGLI) 400,845 407,823 417,500 428,019 430,636

Servicemembers (SGLI) 2,410,500 2,448,500 2,482,500 2,391,500 2,353,500

Spouses and Children 

(FSGLI) 3,090,000 3,090,000 3,064,000 3,099,000 3,075,000

Total Lives Insured 7,672,040 7,471,141 7,401,320 7,267,793 7,123,063

Source: FY 2007 State of residency report; FY 2007 Policy Exhibit.

Benefits Paid

Benefits 2003 2004 2005 2006 2007

Death Awards $1,723,625,327 $1,867,222,516 $1,928,795,079 $2,229,259,919 $2,484,514,176

Dividends $576,620,666 $525,494,110 $461,928,451 $421,581,323 $374,770,000

Loans Made $62,446,000 $56,325,000 $54,625,000 $61,029,000 $54,840,000

Matured Endowments $21,492,000 $22,306,000 $14,976,000 $16,612,895 $19,570,000

Cash Surrenders $50,803,000 $48,649,000 $53,002,000 $54,622,116 $54,246,000

Disability Claims $21,565,000 $19,753,000 $18,075,000 $16,483,000 $15,025,000

Total $2,456,551,993 $2,539,749,626 $2,531,401,530 $2,799,588,253 $3,002,965,176

Source: FY 2007 Policy Exhibit; FY 2006 Statement of Operations and Changes in Net Position; FY 2007 Policy Exhibit Cover Sheet; 

FY 2007 Statement of Cash Flows; Annual Benefits Reports 2003-2006.
Veterans Benefits Administration Making a difference 37Insurance

Death Awards 

The next two tables below display the 

number and amount of death awards paid to 

beneficiaries of both the administered and 

supervised insurance programs. 

Death Awards (Number)

2003 2004 2005 2006 2007

Administered 104,699 105,905 103,083 99,883 97,900

Supervised 5,181 5,919 6,161 6,383 6,717

Total 109,880 111,824 109,244 106,266 104,617

Source: FY 2007 Policy Exhibit. VMLI Database – VMLI Quarterly Report; FY 2007 Statement of Financing and Changes in Net Position; 

Veterans and Reservists Group Insurance System – OSGLI Monthly Report; Annual Benefits Reports 2003-2006.

Death Awards (Amount)

2003 2004 2005 2006 2007

Administered $1,044,505,988 $1,085,407,687 $1,071,868,773 $1,069,085,161 $1,085,229,000 

Supervised $679,119,339 $781,814,829 $856,926,306 $1,160,174,758 $1,399,285,176

Total $1,723,625,327 $1,867,222,516 $1,928,795,079 $2,229,259,919 $2,484,514,176

Source: FY 2007 Policy Exhibit. VMLI Database – VMLI Quarterly Report; FY 2007 Statement of Financing and Changes in Net Position; 

Veterans and Reservists Group Insurance System – OSGLI Monthly Report; Annual Benefits Reports 2003-2006.

The last table below displays the number of 

actions processed on administered policies. 

Operations Statistics-Administered

2003 2004 2005 2006 2007

Loans 26,127 24,428 24,445 25,493 25,804

Cash Surrenders 12,515 11,949 12,525 12,914 12,276

Calls Answered 725,949 756,018 688,442 679,558 667,890

Correspondence 

Received 135,494 137,248 154,790 148,675 140,463

Change of Address 45,279 39,473 53,103 55,986 41,924

Online Loan 

Applications – 360 849 1,166 1,199

Total 945,364 969,476 934,154 923,792 889,556

Source: Distribution of Operational Resources Report.
38 Annual Benefits Report FY 2007 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

Servicemember’s Group Life Insurance (FSGLI) - 

Spouse’s Coverage 2001 - present $100,000

Servicemember’s Group Life Insurance (FSGLI) - 

Children’s Coverage 2001 - present $10,000

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

Disabled Veterans’ 

Life Insurance

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 39Insurance

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. 

2007 Rankings by Total Life Insurance In-Force

Rank Company Total Life Insurance

1 Metropolitan Life $4,778,736,000,000

2 Prudential of America Group $2,385,277,000,000

3 Swiss Reinsurance Group $1,472,355,000,000

4 Aegon USA Group $1,444,402,000,000

5 VA Life Insurance Programs $1,367,221,000,000

6 ING USA Life Group $1,355,061,000,000

7 AIG Life Group $1,219,262,000,000

8 Lincoln Financial Group $1,153,151,000,000

9 Northwestern Mutual Group $995,855,000,000

10 New York Life Group $941,094,000,000

11 Hartford Life Group $883,138,000,000

12 Scottish Reinsurance Group $847,874,000,000

13 Genworth Financial Group $834,167,000,000

14 Protective Life Corp $824,429,000,000

15 Munich America Reassurance Co $722,442,000,000

Source: Best’s Review, September 2006.
40 Annual Benefits Report FY 2007 Insurance

Coverage Established During Fiscal Year 2007

The table that follows identifies the number of 

new policies issued during Fiscal Year 2007, 

the total face value of the policies, and the 

average face value of the policies. In the case 

of SGLI and FSGLI, which is group insurance, the 

military services maintain the records on each 

insured servicemember.

The actual number of servicemembers who 

enrolled in SGLI in Fiscal Year 2007 is not 

known. The information shown in this table is 

estimated based upon current enrollment rates 

and the number of people who entered active 

military service during Fiscal Year 2007. The 

exact number of children covered by FSGLI is 

also an estimate.

New Life Insurance Coverage Issued During Fiscal Year 2007

Insurance

Number of People 

Insured

Total Coverage 

Amount Average Face Value

Maximum Face 

Value

VMLI1 224 $18,396,764 $82,100 $90,000

SDVI2,3 15,239 $168,524,000 $11,059 $10,000

VGLI4 21,426 $5,676,170,000 $264,920 $400,000

FSGLI – Child5 174,735 $1,747,350,000 $10,000 $10,000

FSGLI – Spouse6 181,574 $17,894,480,848 $98,552 $100,000

SGLI5 312,986 $119,251,977,680 $381,014 $400,000

Total 706,184 $144,756,899,292 $204,985

1Source: VMLI Database-VMLI Quarterly Report. 2Source: SDVI -FY 2007 Policy Exhibit. 3Source: Additional Coverage, up to $20,000, is available for totally 

disabled policyholders. New Supplemental SDVI policies (3,087) 

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

Monthly Report. VGLI data is for the policy year ending June 30, 2007. 

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

Reserve forces in FY 2007. 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 41Insurance

New Life Insurance Coverage Issued Comparative Information for Five Fiscal Years

FY 2003 FY 2004 FY 2005 FY 2006 FY 2007

Number 

of People 

Insured 621,225 667,674 648,720 703,815 706,184

Total 

Coverage 

Amounts $103,129,307,866 $92,231,113,570 $129,060,812,226 $146,032,139,398 $144,756,899,292

Average 

Face 

Values $166,010 $138,138 $198,947 $207,487 $204,985

Source: VMLI Database – VMLI Quarterly Report.

Source: SDVI-FY 2007 Policy Exhibit.

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

totally disabled policyholders. New supplemental S-DVI policies 

(3,087) were issued.

Source: DEERS and Military Pay Records.

Source: Veterans and Reservists Group Insurance System – OSGLI 

Monthly Report. VGLI data is for the policy year ending June 30, 2007. 

Estimates based upon accessions to Active Duty and Reserve forces in 

Fiscal Year 06. 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 2007

Policy Lapses Number1 Face Value1 Average Face Value

NSLI 6,274 $38,298,180 $6,104

VSLI 485 $3,672,500 $7,572

VRI 218 $1,175,142 $5,391

SDVI 1,142 $12,096,250 $10,592

Total 8,119 $55,242,072 $6,804

1 Source: Insurance Fiscal Year 2007 Policy Exhibit.
42 Annual Benefits Report FY 2007 Insurance

Lump-Sum Payments Made During Fiscal Year 2007 – To Policyholders

Payments Number1 Amount2 Average Payment

Matured 

Endowment1, 2

USGLI 58 $308,232 $5,314

NSLI 1,230 $14,299,534 $11,626

VSLI 148 $1,565,856 $10,580

VRI 5 $28,837 $5,767

SDVI 224 $1,905,350 $8,506

Total 1,665 $18,107,809 $10,876

Cash Surrender1, 2

USGLI 77 $177,104 $2,300

NSLI 6,636 $42,844,383 $6,456

VSLI 807 $4,609,445 $5,712

VRI 385 $2,021,723 $5,251

SDVI 724 $4,495,892 $6,210

Total 8,629 $54,148,547 $6,275

Dividends3, 4

USGLI 6,720 $1,075,807 $160

NSLI 1,013,557 $290,423,258 $287

VSLI 191,735 $72,865,439 $380

VRI 43,720 $10,226,942 $234

Total 1,255,732 $374,591,446 $298

Loans5, 6, 7

USGLI 54 $35,000 $648

NSLI 12,576 $33,532,000 $2,666

VSLI 3,443 $9,443,000 $2,743

VRI 960 $1,730,000 $1,802

SDVI 8,770 $10,876,000 $1,240

Total 25,803 $55,616,000 $2,155

1Source Number: Program numbers from an estimate based 

on SQC in FY 2007 and percent of total.

2Source Amount: FY 2007 Statement of OPs and changes in 

Net Position. 3Source Number: Insurance General Ledger Accounting 

System - Statement of Financial Condition Report.

4Source Amount: FY 2007 Policy Exhibit - Cover Sheet. 5Source Number: FY 2007 Statement of Cash Flows. 6Source Number: Program numbers from an estimate based 

on SQC in FY 2007 and percent of total. 7Source: Insurance General Ledger Accounting System - 

Statement of Financial Condition Report.
Veterans Benefits Administration Making a difference 43Insurance

Life Insurance Dividends Payments - Comparative Information for Five Fiscal Years

Dividend Payments FY 2003 FY 2004 FY 2005 FY 2006 FY 2007

Number 1,810,557 1,696,542 1,470,481 1,361,906 1,255,732

Total Amounts $576,620,666 $525,494,110 $461,928,451 $421,581,323 $374,591,446

Average Payments $318 $310 $314 $310 $298

Sources: (same as table on the previous page); FY 2003-2006 Annual Benefits Report.

Lump-Sum Payments Made During Fiscal Year 2007 – To Beneficiaries

Death Claims Number1 Amount2 Average Payment

USGLI 988 $3,013,977 $3,051

NSLI 80,519 $876,966,204 $10,891

VSLI 6,062 $75,224,817 $12,409

VRI 4,040 $36,672,737 $9,077

SDVI 6,128 $61,225,275 $9,991

VMLI 132 $9,329,799 $70,680

SGLI3 2,946 $1,120,360,542 $380,299

FSGLI3 - Spouse 833 $80,888,634 $97,105

FSGLI3 - Child 1,085 $10,845,000 $9,995

VGLI3 1,946 $193,448,821 $99,408

Total 104,679 $2,467,975,806 $23,577

1 Source: FY 2007 Policy Exhibit. VMLI Database – VMLI Quarterly Report and Veterans and Reservist Group Insurance 

System – Prudential Monthly Report.

2 Source: FY 2007 Statement of Financing and Changes in Net Position. 3 Source: Veterans and Reservist Group Insurance System – OSGLI Monthly Report; SGLI, FSGLI, and VGLI data are for the 

policy year ending June 30, 2007 includes Regular, Accelerated & Conversion Pool.
44 Annual Benefits Report FY 2007 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.

Monthly Payments to Policyholders at the End of Fiscal Year 2007

Although most Veterans choose to receive 

payments in a single “lump sum,” a monthly 

payment option is available for Cash 

Surrenders and Matured Endowments. In the 

two disability benefit provisions of policies – 

Total and Permanent Disability Provision and 

Total Disability Income Provision – no lump-sum 

option exists; payments are made monthly. The 

table below provides data on monthly payments 

to Veterans.

Insurance Monthly Installment Award Payments to Policyholders - End Fiscal Year 2007 

Payment Type Number Monthly Average

Total Disability Income Provision

USGLI 27 $17,316 $641

NSLI 9,326 $11,070,774 $1,187

VSLI 2,295 $3,104,370 $1,353

VRI 514 $390,804 $760

Total 12,162 14,583,264 $1,199

Matured Endowments

USGLI 0 $0 $0

NSLI 639 $640,230 $1,002

VSLI 515 $710,694 $1,380

VRI 33 $22,632 $686

SDVI 8 $3,408 $426

Total 1,195 $1,376,964 $1,152

Cash Surrenders

USGLI 0 $0 $0

NSLI 54 $69,600 $1,289

VSLI 1 $7,218 $7,218

VRI 2 $528 $264

SDVI 0 $0 $0

Total 57 $77,346 $1,357

Total and Permanent Disability 

USGLI 31 $9,252 $298

Total 31 $9,252 $298

Source: Insurance Master Record Database– AVS 2012.

Number of Death Claims Paid - Comparative Information for Five Fiscal Years

Death Claims FY 2003 FY 2004 FY 2005 FY 2006 FY 2007

Number 109,880 111,824 109,244 106,266 104,679

Total Amounts $1,723,625,327 $1,867,222,516 $1,928,795,079 $2,229,259,919 $2,467,975,806

Average Payments $15,686 $16,698 $17,656 $20,978 $23,577

Source: (same as table on previous page).
Veterans Benefits Administration Making a difference 45Insurance

Monthly Payments to Beneficiaries at the End of Fiscal Year 2007 

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 - End Fiscal Year 2007

Death Awards Payment Type Number Monthly Average

USGLI 1,800 $487,080 $271

NSLI 30,862 $19,036,542 $617

VSLI 636 $481,209 $757

VRI 203 $109,212 $538

SDVI 229 $87,948 $384

Total 33,730 $20,201,991 $599

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 - End of Fiscal Year 2007

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

USGLI1 6,720 $20,461,014 $3,045 $10,000

NSLI1 1,013,557 $11,516,434,010 $11,362 $10,000

VSLI1 191,735 $2,405,971,114 $12,548 $10,000

VRI1 43,720 $418,120,312 $9,564 $10,000

SDVI1, 4 187,904 $1,884,805,007 $10,031 $10,000*

VMLI3 2,368 $165,288,593 $69,801 $90,000

SGLI2 2,353,500 $892,807,800,000 $379,353 $400,000

FSGLI2 - Child 2,025,000 $20,250,000,000 $10,000 $10,000

FSGLI2 - Spouse 1,050,000 $103,479,600,000 $98,552 $100,000

VGLI2 430,636 $53,260,220,000 $123,678 $400,000

Total5 7,305,140 $1,086,208,700,050 $148,691

1Source: Insurance Fiscal Year 2007 Policy Exhibit Cover Sheet. 2Source: Veterans and Reservists Group Insurance System - OSGLI Monthly Report . 3Source: VMLI Database - VMLI Quarterly Report.4Note: Additional $20,000 available 

for totally disabled policyholders.

5Note: TSGLI is a rider of SGLI. TSGLI 

is excluded from the Total.

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

 FY 2003 FY 2004 FY 2005 FY 2006 FY 2007

Number of Policies 7,755,217 7,696,603 7,612,195 7,463,956 7,305,140

Total Face Values $745,453,203,387 $756,822,320,973 $1,155,492,749,414 $1,114,008,083,857 $1,086,208,700,050

Average Face Values $96,123 $98,332 $151,795 $149,252 $148,691

Sources: Insurance Fiscal Year 2007 Policy Exhibit Cover Sheet; Veterans And Reservists Group Insurance System - OSGLI Monthly 

Report; VMLI Database - VMLI Quarterly Report.

Note: Additional $20,000 available for totally disabled policyholders.
46 Annual Benefits Report FY 2007 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 4,712 2,008 6,720 89.3

% of Total 0% 0% 0% 0% 0% 0% 0% 70% 30% 100%

NSLI1 0 0 0 0 0 0 296,362 648,711 68,485 1,013,558 82.0

% of Total 0% 0% 0% 0% 0% 0% 29% 64% 7% 100%

VSLI1 0 0 0 0 0 665 182,906 7,922 242 191,735 75.5

% of Total 0% 0% 0% 0% 0% 0% 95% 4% 0% 100%

VRI1 0 0 0 0 0 19 8,320 32,340 3,041 43,720 82.8

% of Total 0% 0% 0% 0% 0% 0% 19% 74% 7% 100%

SDVI1 3 1,534 5,208 16,577 65,250 66,062 29,218 3,868 184 187,904 59.5

% of Total 0% 1% 3% 9% 35% 35% 16% 2% 0% 100%

VMLI2 0 13 106 462 830 846 111 0 0 2,368 55.3

% of Total 0% 1% 4% 20% 35% 36% 5% 0% 0% 100%

SGLI3 160,582 1,164,541 622,540 331,996 71,868 1,763 210 0 0 2,353,500 30.1

% of Total 7% 49% 26% 14% 3% 0% 0% 0% 0% 100%

FSGLISpouse3 20,775 397,151 378,104 201,979 47,661 4,330 0 0 0 1,050,000 33.2

% of Total 2% 38% 36% 19% 5% 0% 0% 0% 0% 100%

FSGLIChildren3 1,955,425 69,575 0 0 0 0 0 0 0 2,025,000 8.8

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

VGLI4 121 40,307 97,372 127,827 104,754 53,700 6,407 149 0 430,637 45.8

% of Total 0% 9% 23% 30% 24% 12% 1% 0% 0% 100%

Totals 2,136,906 1,673,121 1,103,330 678,840 290,363 127,385 523,534 697,702 73,960 7,305,142

% by Age 

Group 29% 23% 15% 9% 4% 2% 7% 10% 1% 100%

1 Source: Insurance TBC VAL-C FY 2007 Attained Age Report. 2 Source: VMLI Reserve Valuation Data. 3 Source: DMDC Data-Attained Age for Active and 

Reserves combined.

4 Source: VGLI Insurance System. 

Note: All data are as of September 30, 2007 with the exception 

of SGLI and VGLI which are as of June 30, 2007.
Veterans Benefits Administration Making a difference 47Insurance

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 544,000 542,303 99.7% 24.2% 305,689 272,486 89.1% 26.0%

Navy 365,628 360,976 98.7% 16.1% 209,301 189,077 90.3% 18.0%

Air Force 353,864 348,645 98.5% 15.6% 209,736 195,338 93.1% 18.6%

Marine 

Corps 198,782 198,343 99.8% 8.9% 87,379 82,874 94.8% 7.9%

Coast 

Guard 40,200 39,573 98.4% 1.8% 22,783 17,903 78.6% 1.7%

NOAA 284 252 88.7% 0.0% 123 87 70.7% 0.0%

Public 

Health 

Service 6,070 5,908 97.3% 0.3% 4,324 3,733 86.3% 0.4%

Total 1,508,828 1,496,000 99.1% 66.9% 839,335 761,498 90.7% 72.6%

Reserve/

National 

Guard

Army 528,000 501,739 95.0% 22.4% 297,600 170,233 57.2% 16.2%

Navy 56,000 48,802 87.1% 2.2% 51,665 23,371 45.2% 2.2%

Air Force 167,170 157,570 94.3% 7.0% 129,115 85,210 66.0% 8.1%

Marine 

Corps 27,428 25,532 93.1% 1.1% 7,369 6,958 94.4% 0.7%

Coast 

Guard 8,993 8,357 92.9% 0.4% 4,010 2,730 68.1% 0.3%

Total 787,591 742,000 94.2% 33.2% 489,759 288,502 58.9% 27.5%

Grand Total 2,296,419 2,238,000 97.5% 100% 1,329,094 1,050,000 79.0% 100.0%

Note: All data are as of September 30, 2007 with the exception of SGLI and FSGLI which are as of June 30, 2007.
48 Annual Benefits Report FY 2007 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 Coverage 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 72,274 1,423,726 4.83% 95.17%

Reserve 110,766 631,234 14.93% 85.07%

Total 183,040 2,054,960 8.18% 91.82%

Source: Payroll databases of each branch of service - September 2007 SGLI Monthly Premium Reports; DEERS and Payroll databases.

FSGLI Spousal Coverage 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 11,195 750,303 1.47% 98.53%

Reserve 12,782 275,720 4.43% 95.57%

Total 23,977 1,026,023 2.28% 97.72%

Source: Payroll databases of each branch of service - September 2007 SGLI Monthly Premium Reports; DEERS and Payroll databases.

SGLI and FSGLI Coverage 
Veterans Benefits Administration Making a difference 49Loan Guaranty 

GI Home Loan 

Veteran with family. 

Hyattsville, MD

Producer: Robert Turtil, OPA/VACO 

Loan Guaranty 

Program Objectives

The objective of the VA home loan guaranty program is to enable 

Veterans (and other eligible people) to enter the home-buying 

market. The “no-downpayment” feature is intended to help 

Veterans afford the purchase of suitable homes. VA does not 

require a downpayment if the purchase price or cost is not more 

than the reasonable value of the property as determined by VA, but 

the lender may require one. If the purchase price or cost is more 

than the reasonable value, the difference must be paid in cash from 

the Veteran’s own resources.

Current Benefits

VA home loans may be used to:

 Purchase a home;

 Purchase a residential unit in certain condominium projects;

 Build a home;

 Refinance an existing home loan; or

 Improve a home by installing solar heating or other energy 

conservation measures.

There are three types of loans guaranteed as defined by 

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

to purchase a home. The other two types of loans are 

“refinancing” loans: interest rate reduction and other refinancing, 

(i.e., cash-out). Interest rate reduction is the most common reason 

for refinancing a loan.

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

set a maximum based on rules of the secondary mortgage 

market. The maximum VA guaranty is 25% of the conforming loan 

limit as reported by Freddie Mac, and lenders are usually willing to 

loan up to the conforming loan limit without a downpayment. (Note: 

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

Veterans pay a funding fee ranging from 1.25% to 3.3% of the loan 

amount (0.5% for interest rate reduction loans). The funding fee can 

be included in the loan. Veterans receiving VA compensation are 

exempt from paying the fee.

Severely disabled Veterans, mostly those who are wheelchair 

bound or have the loss or loss of use of both arms at or above the 

elbow, may be entitled to obtain housing grants under the Specially 

Adapted Housing Program (SAH).

The Loan Guaranty 

Program was originally 

part of a national effort 

to move from a war 

economy to a peacetime 

economy and to avoid 

the economic recession 

historically associated 

with postwar periods. The 

program was one of the 

innovations advanced 

by the Servicemen’s 

Readjustment Act of 1944 

(PL 78-346), known as 

the GI Bill of Rights. By 

providing loan guaranties, 

the government could 

provide the housing 

benefit to the Veteran at 

little cost.
50 Annual Benefits Report FY 2007 Loan Guaranty 

Specially Adapted Housing Program (SAH) 

Enhancements

The Veterans Housing Opportunity and Benefits Act of 2007 

(CPL109‐233), enacted on June 15, 2007, establishes that an 

eligible Veteran or active duty servicemember can now use his 

or her adaptive housing benefit up to three times as long as the 

aggregate amount of assistance does not exceed the maximum 

amounts allowable for grants authorized under Title 38, United 

States Code (U.S.C.) section 2101(a) or section 2101(b). The 

law also authorizes VA to provide SAH assistance to Veterans 

temporarily residing in a home owned by a family member.

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.

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 

76 participating Native American tribes. During Fiscal Year 2007, 

VA closed 53 loans under this program. Since its inception, VA 

has made nearly 600 loans to Native American Veterans under 

this program.

Special Housing 

Adaptation (SHA) grants 

are available for disabled 

Veterans who have 

blindness in both eyes, 

or have anatomical loss 

or loss of use of both 

hands. These distinctive 

programs help eligible 

Veterans through grants to 

buy, build or modify homes 

specifically adapted for 

their use. In addition 

to there being no time 

limitation or deadline for 

applying for either grant 

benefit, legislation enacted 

in 2006 as Public Law (PL) 

109-233 has expanded 

the use of SAH grants. 
Veterans Benefits Administration Making a difference 51Loan Guaranty 

Quick Reference Guide

This quick reference guide highlights information 

most requested from the Loan Guaranty 

Service (LGY) Program concerning data from 

Fiscal Year 2007 only.

The table below shows overall activity for the 

past five years. The decrease in the last two 

years is largely due to the drop in interest rate 

reduction refinance loans. Many Veterans were 

able to refinance their loans at a lower interest 

rate during Fiscal Year 2003 and then again in 

Fiscal Years 2004 and 2005. During those years, 

interest rate reduction refinance loans accounted 

for over 50% of the activity.

VA Home Loans Guaranteed Over the Past Five Years 

Fiscal Year 2003 2004 2005 2006 2007

Number of 

Loans 489,418 335,788 165,854 142,708 133,313

Total Loan 

Amount ($) $63,254,794,007 $44,130,601,603 $24,901,280,923 $24,635,468,167 $24,889,988,061

Average Loan 

Amount ($) $129,245 $131,424 $150,140 $172,629 $186,703

Total 

Guaranty 

Amount ($) $18,245,097,305 $12,643,384,380 $6,808,452,010 $6,486,196,646 $6,438,362,016

Average 

Guaranty 

Amount ($) $37,279 $37,653 $41,051 $45,451 $48,295

This chart is repeated on page 54.

Fiscal Year Loan Guaranty Program Highlights

Loans guaranteed 133,313 

Interest rate reduction loans 10,088 

Total loan amount > $24,900,000,000

Average amount per loan $186,703 
52 Annual Benefits Report FY 2007 Loan Guaranty 

Data 

This table 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 53Loan Guaranty 

Types and Characteristics of Loans Guaranteed in Fiscal Year 2007

Status

Number 

of Loans

Total Loan 

Amount ($) 

Average Loan 

Amount ($)

Total Guaranty 

Amount ($)

Average 

Guaranty 

Amount 

($)

First Time Home Buyer 63,731 $11,126,692,444 $174,588 $2,958,590,349 $46,423

Previous Home Buyer 54,210 $11,073,470,570 $204,270 $2,836,180,270 $52,318

No Down Payment 108,241 $20,215,615,816 $186,766 $5,284,013,002 $48,817

Down Payment 9,700 $1,984,547,198 $204,592 $510,316,571 $52,610

Purchase Loans 117,941 $22,200,163,014 $188,231 $5,794,770,619 $49,133

Interest Rate 

Reduction 10,090 $1,781,466,684 $176,558 $473,523,842 $46,930

Cash Out/ Other 

Refinancing 5,282 $908,358,363 $171,972 $170,508,601 $32,281

Five-Year Trend of Loans Guaranteed by Status 

Status 2003 2004 2005 2006 2007

First Time Home Buyer 69,154 73,891 60,735 63,836 63,731

Previous Home Buyer 79,656 78,504 58,395 58,768 54,210

No Downpayment 135,160 137,773 108,385 110,503 108,241

Downpayment 13,650 14,622 10,745 12,101 9,700

Purchase Loans 148,810 152,395 119,130 122,604 117,941

Interest Rate Reduction 330,426 175,147 40,995 13,875 10,090

Other Refinancing 10,182 8,246 5,729 6,229 5,282
54 Annual Benefits Report FY 2007 Loan Guaranty 

VA Home Loans Guaranteed Over the Past Five Years 

Fiscal Year 2003 2004 2005 2006 2007

Number of 

Loans 489,418 335,788 165,854 142,708 133,313

Total Loan 

Amount ($) $63,254,794,007 $44,130,601,603 $24,901,280,923 $24,635,468,167 $24,889,988,061

Average Loan 

Amount ($) $129,245 $131,424 $150,140 $172,629 $186,703

Total Guaranty 

Amount ($) $18,245,097,305 $12,643,384,380 $6,808,452,010 $6,486,196,646 $6,438,362,016

Average 

Guaranty 

Amount ($) $37,279 $37,653 $41,051 $45,451 $48,295

This chart is referenced in the Quick Reference Section.

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2007

Program 

Specially Adapted 

Housing Grants*

Special Adaptation 

Housing Grants

Direct Loans to 

Native Americans Total 

Number of Grants/Loans 585 68 53 706

Amount of Grants/Loans ($) $24,234,862 $674,663 $7,378,205 $32,287,730

Average Amount of 

Grants/Loans ($) $41,443 $9,921 139,211 $45,733

*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 55Loan Guaranty 

Loans Guaranteed During Fiscal Year 2007 by Period of Service /Entitlement 

Data regarding loans guaranteed during Fiscal 

Year 2007 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 During Fiscal Year 2007 by Period of Service/Entitlement 

Period of 

Service 

Entitlement 

Number Percent

Total 

Loan 

Amount ($)

Average 

Loan 

Amount ($)

Total 

Guaranty 

Amount ($)

Average 

Guaranty 

Amount ($) 

World 

War II 154 0.12% $21,253,384 $138,009 $5,988,986 $38,890

Post-World 

War II 20 0.02% $2,704,786 $135,239 $797,529 $39,876

Korean 

Conflict 225 0.17% $30,109,632 $133,821 $8,397,090 $37,320

Post-Korean 

Conflict 781 0.59% $109,316,595 $139,970 $30,453,664 $38,993

Vietnam Era 5,329 4.00% $825,640,301 $154,933 $223,124,760 $41,870

Post-Vietnam 

Era 9,538 7.16% $1,650,994,494 $173,097 $433,356,947 $45,435

Gulf War 40,425 30.32% $7,397,050,656 $182,982 $1,928,320,314 $47,701

Restored 

Entitlement 29,736 22.31% $6,117,785,759 $205,737 $1,530,952,126 $51,485

Service 

Personnel 44,997 33.75% $8,366,265,161 $185,929 $2,179,845,709 $48,444

Reservists 1,746 1.31% $314,454,556 $180,100 $82,495,018 $47,248

Un-Remarried 

Survivors 358 0.27% $53,965,853 $150,743 $14,490,309 $40,476

Spouses 

of POWs 4 0.00% $446,884 $111,721 $139,564 $34,891

Total 133,313 100.00% $24,889,988,061 $186,703 $6,438,362,016 $48,295
56 Annual Benefits Report FY 2007 Loan Guaranty 

Five Year Trend of Loans Guaranteed by Entitlement

Entitlement 2003 2004 2005 2006 2007

World War II 1,646 1,269 547 363 154

Post-World War II 335 194 62 49 20

Korean Conflict 2,025 1,589 496 361 225

Post-Korean Conflict 5,339 3,778 1,435 972 781

Vietnam Era 34,911 25,428 9,712 6,960 5,329

Post-Vietnam Era 55,308 37,769 14,719 10,670 9,538

Gulf War 98,423 75,383 42,373 36,874 40,425

Restored Entitlement 221,730 123,724 44,995 34,081 29,736

Service Personnel 57,129 57,524 47,343 49,730 44,997

Reservists 11,385 8,178 3,708 2,305 1,746

Un-Remarried Survivors 1,161 931 459 339 358

Spouses of POWS 26 21 5 4 4

Total 489,418 335,788 165,854 142,708 133,313

Home Loans Guaranteed During Fiscal Year 2007 Based on Gender and Age 

Gender or Age Number Percent

Total 

Loan 

Amount ($) 

Average 

Loan 

Amount ($) 

Total 

Guaranty 

Amount ($) 

Average 

Guaranty 

Amount ($) 

Gender 

Male 116,575 87.6% $21,617,030,118 $185,435 $5,690,104,606 $48,811 

Female 16,738 12.4% $3,018,438,049 $180,334 $796,092,040 $47,562 

Age

18 - 25 16,821 12.6% $2,455,786,969 $145,995 $690,231,239 $41,034 

26 - 35 47,578 35.7% $8,840,555,815 $185,812 $2,318,364,980 $48,728 

36 -45 36,145 27.1% $7,505,470,383 $207,649 $1,928,061,018 $53,342 

46 - 55 17,684 13.2% $3,343,672,532 $189,079 $873,780,749 $49,411 

56 - 65 11,410 8.6% $1,941,869,837 $170,190 $520,326,916 $45,603 

66 - 75 2,931 2.2% $434,300,517 $148,175 $122,131,244 $41,669 

76 - 80 476 0.4% $73,719,348 $154,873 $21,448,984 $45,061 

Over 80 268 0.2% $40,092,766 $149,600 $11,851,516 $44,222 

Total 133,313 100.0% $24,635,468,167 $184,794 $6,486,196,646 $48,654 
Veterans Benefits Administration Making a difference 57Loan Guaranty 

Purchase Loans Guaranteed During Fiscal Year 2007 Based on Annual Income 

Income Number 

Total Loan 

Amount ($)

Average 

Loan ($)

Total Guaranty 

Amount($) 

Average Guaranty 

Amount($) 

Less than 

$25,000 1,360 $115,640,938 $85,030 $41,081,381 $30,207

$25,000 to 

$34,999 7,376 $801,916,645 $108,720 $256,269,885 $34,744

$35,000 to 

$44,999 18,662 $2,514,189,656 $134,722 $712,978,317 $38,205

$45,000 to 

$54,999 21,282 $3,422,055,679 $160,796 $906,640,773 $42,601

$55,000 to 

$64,999 18,655 $3,423,588,832 $183,521 $881,659,602 $47,261

$65,000 to 

$74,999 14,696 $2,971,849,170 $202,222 $754,979,754 $51,373

$75,000 

and over 35,910 $8,950,797,081 $249,256 $2,241,048,607 $62,407

Total 117,941 $22,200,038,001 $188,230 $5,794,658,319 $49,132

Average 

Income ($) Median Income ($) Median Loan ($)

$65,983 $60,288 $174,016

Number of Loans Guaranteed Five Fiscal Years by Age 

Age 2003 2004 2005 2006 2007

18 - 25 12,361 14,123 13,248 17,081 16,821

26 - 35 131,320 92,612 55,110 50,142 47,578

36 - 45 158,892 104,653 48,985 39,483 36,145

46 - 55 106,893 67,776 26,018 19,409 17,684

56 - 65 55,759 39,920 16,346 12,462 11,410

66 - 75 18,416 12,476 4,575 3,194 2,931

76 - 80* 3,818 2,608 941 597 476

Over 80 1,959 1,620 631 340 268

Total 489,418 335,788 165,854 142,708 133,313

*Data collection for these age groups began Fiscal Year 2003.
58 Annual Benefits Report FY 2007 Loan Guaranty 

Percent of Loans Guaranteed by Age Last Five Fiscal Years

Age 2003 2004 2005 2006 2007

18 - 25 2.5% 4.2% 8.0% 12.0% 12.6%

26 - 35 26.8% 27.6% 33.2% 35.1% 35.7%

36 - 45 32.5% 31.2% 29.5% 27.7% 27.1%

46 - 55 21.8% 20.2% 15.7% 13.6% 13.3%

56 - 65 11.4% 11.9% 9.9% 8.7% 8.6%

66 - 75 3.8% 3.7% 2.8% 2.2% 2.2%

76 - 80 0.8% 0.8% 0.6% 0.4% 0.4%

Over 80 0.4% 0.5% 0.4% 0.2% 0.2%

Loans Guaranteed During Fiscal Year 2007 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 92% who provided race 

information for FY 2007. 

For the previous four Fiscal Years, 

the percentages are: 

2003, 87%; 

2004, 89%; 

2005, 95%; and 

2006, 95%. 

Loans Guaranteed During Fiscal Year 2007 by Race

Race Number Percent

Total Loan 

Amount

Average 

Loan 

Total Guaranty 

Amount 

Average 

Guaranty 

White 89,308 73.1% $16,409,888,011 $183,745 $4,258,276,315 $47,681 

Black/African American 20,227 16.6% $3,928,450,485 $194,218 $1,006,044,477 $49,738 

Hispanic 9,816 8.0% $1,790,272,643 $182,383 $465,862,540 $47,460 

Asian/Pacific Islander/ 

Native Hawaiian 2,058 1.7% $462,992,288 $224,972 $117,307,839 $57,001 

American Indian/ 

Alaskan Native 719 0.6% $127,675,251 $177,573 $33,399,137 $46,452 

Select Five Year Trend of Loans Guaranteed by Race 

Race 2003 2004 2005 2006 2007

White 330,408 221,931 117,515 100,631 89,308

Black/African American 61,357 49,530 25,900 21,750 20,227

Hispanic 26,036 20,708 11,308 10,007 9,816

Asian/ Pacific Islander/ Native Hawaiian 5,740 4,541 2,713 2,416 2,058

American Indian/ Alaskan Native 2,428 2,168 1,218 982 719
Veterans Benefits Administration Making a difference 59Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation 

and Employment (VR&E)

The VR&E Program provides a wide range of vocational and 

educational counseling services to Veterans, active-duty 

servicemembers and eligible dependents. These services are 

designed to help individuals choose a vocational direction and 

assist them in achieving their vocational goals. Assistance may 

include interest and aptitude testing, occupational exploration, 

career counseling, vocational goal setting, and exploring 

educational or training facilities which might be utilized to achieve 

occupational goals.

In the VR&E program, Veterans progress through all or part of a 

series of steps. VR&E provides each Veteran with a case manager 

who advises and follows the Veteran through the program to ensure 

the delivery of prescribed services. The full range of steps 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 who have obtained and 

maintained suitable employment or achieved maximum 

independence in daily living.

Mission

The mission of the 

Vocational Rehabilitation and 

Employment program (VR&E) 

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.
60 Annual Benefits Report FY 2007 Vocational Rehabilitation and Employment (VR&E)

Outreach methods piloted in recent years and developed in 

FY 2007 into mature and productive concepts include the Five Track 

Employment Model, building partnerships, the Disabled Transition 

Assistance Program for eligible active-duty servicemembers, and 

the ‘Coming Home to Work’ initiative. 

VR&E initially established Job Resource Labs in four pilot 

stations. The program has since expanded throughout the VR&E 

system. These labs aid VR&E staff and Veterans in conducting 

comprehensive analyses of local and national job outlooks, 

developing job search plans, preparing for interviews, developing 

resumes, and conducting thorough job searches. The Job Resource 

Labs are an integral part of the Five-Track Employment Model, 

employed nationwide.

VR&E has improved partnerships through the development or 

updating of Memorandums of Understanding with the Department 

of Defense, Department of Labor, Council of State Administrators of 

Vocational Rehabilitation Programs, service organizations such as 

Disabled American Veterans and Veterans of Foreign Wars, public 

and private employers. These partnerships foster and expand 

employment opportunities for Veterans with disabilities.

The ‘Coming Home To Work’ Initiative is a collaborative partnership 

between VR&E and federal agencies to provide civilian work 

experiences to interested servicemembers that are in a medical 

hold capacity at Military Treatment Facilities and that meet the 

Chapter 31 eligibility requirements. The “Coming Home to Work” 

Initiative provides all necessary rehabilitation and employment 

services to Veterans with disabilities so they may access job 

opportunities – especially servicemembers returning from Operation 

Enduring Freedom (OEF) and Operation Iraqi Freedom (OIF), and 

those who are medically discharged from the military.

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 61Vocational 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 2007 is 52,082.

Disabled Veterans who successfully completed their program 

of rehabilitation 10,984

Severe employment handicap Veterans who were rehabilitated 6,098

Average age of male participants 41

Average age of female participants 37

Number of Beneficiaries who received educational/vocational 

rehabilitation during Fiscal Year 2007 is 51,467 

Undergraduate School 44,841

Vocational/Technical School 2,504

Graduate School 2,287

College, Non-Degree 1,101

Extended Evaluation/Independent Living 734
62 Annual Benefits Report FY 2007 Vocational Rehabilitation and Employment (VR&E)

Data

Vocational Rehabilitation and Employment Activities 

Fiscal Year 2007

Male Female Total

Applicants 51,001 10,101 61,102

Eligible 2,687 573 57,842

Entitled to Services 28,664 6,564 35,228

Participants 78,160 20,388 98,548

Rehabilitated 8,665 2,319 10,984

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

end of Fiscal Year 2007.

The tables that follow display the demographics of Veterans in each 

of the categories outlined in the above table.

Vocational Rehabilitation and Employment Activities by Age Fiscal Year 2007

< 17 or 

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

60 and 

above Total

Male

Applicants 1 480 10,098 10,935 7,669 6,950 4,765 5,311 4,792 51,001

Eligible 1 388 9,375 10,321 7,213 6,616 4,552 5,177 4,671 48,314

Entitled to 

Services — 164 5,009 6,442 4,389 4,342 2,790 2,951 2,577 28,664

Participants — 116 9,698 18,763 11,924 13,902 8,896 7,565 7,296 78,160

Rehabilitated — 2 600 1,849 1,151 1,563 960 1,187 1,353 8,665

Female

Applicants — 150 2,943 3,038 1,576 1,301 731 289 73 10,101

Eligible — 120 2,713 2,885 1,503 1,249 712 275 71 9,528

Entitled to 

Services — 45 1,680 2,024 1,055 949 543 203 65 6,564

Participants — 49 3,862 7,100 3,144 3,407 1,888 735 203 20,388

Rehabilitated — - 321 837 348 451 241 92 29 2,319

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007.

In Fiscal Year 2007, 61,102 

Veterans applied for 

Vocational Rehabilitation and 

Employment services. 

Of those who applied:

 94.7% who applied were 

found to be eligible and

 60.9% 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 63Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Prior Education Level Fiscal Year 2007

Below 

High 

School

High 

School

Post High 

School

Four Year 

Degree

Graduate 

Degree 

Training Total

Male

Applicants 1,097 24,335 18,187 5,394 1,988 51,001

Eligible 1,056 23,042 17,322 5,096 1,798 48,314

Entitled to Services 595 14,110 10,604 2,404 951 28,664

Participants 1,331 39,470 28,895 5,707 2,757 78,160

Rehabilitated 194 4,080 3,172 850 369 8,665

Female

Applicants 46 3,546 4,420 1,545 544 10,101

Eligible 44 3,320 4,214 1,464 486 9,528

Entitled to Services 33 2,511 2,983 724 313 6,564

Participants 105 8,572 8,891 1,829 991 20,388

Rehabilitated 9 885 1,011 271 143 2,319

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007.

Vocational Rehabilitation and Employment Activities by Branch of Service Fiscal Year 2007

Air Force Army

Coast 

Guard

Marine 

Corps Navy Misc. Unk. Total

Male

Applicants 6,854 26,558 479 7,216 9,838 25 31 51,001

Eligible 6,595 25,573 453 6,852 8,808 22 11 48,314

Entitled to Services 4,060 14,820 298 4,081 5,397 5 3 28,664

Participants 11,673 39,662 894 10,643 15,258 22 8 78,160

Rehabilitated 1,492 4,294 92 1,138 1,646 1 2 8,665

Female

Applicants 2,058 5,172 88 542 2,226 11 4 10,101

Eligible 1,966 4,985 85 502 1,978 9 3 9,528

Entitled to Services 1,365 3,395 52 318 1,428 6 0 6,564

Participants 4,292 10,538 168 987 4,390 12 1 20,388

Rehabilitated 531 1,174 17 100 494 2 1 2,319

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007.
64 Annual Benefits Report FY 2007 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Period of Service Fiscal Year 2007

None

World 

War II

Post 

World 

War II Era

Korean 

Conflict

Post - 

Korean 

Conflict

Vietnam 

Era

Post - 

Vietnam 

Era Gulf War Total

Male

Applicants 1 218 39 190 421 6,420 8,397 35,315 51,001

Eligible — 211 39 186 405 6,243 7,616 33,614 48,314

Entitled to 

Services — 85 20 94 180 3,563 4,503 20,219 28,664

Participants — 222 35 212 411 8,770 11,988 56,522 78,160

Rehabilitated — 100 15 77 90 1,569 1,177 5,637 8,665

Female

Applicants — 3 — 2 9 81 1,071 8,935 10,101

Eligible — 3 — 2 8 77 974 8,464 573

Entitled to 

Services — 1 1 1 8 53 712 5,788 6,564

Participants — 2 1 3 12 131 2,131 18,108 12,295

Rehabilitated — — — — 1 15 236 2,067 2,319

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007.

Vocational Rehabilitation and Employment Activities by Length of Service Fiscal Year 2007

≤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

Male

Applicants 221 534 6,898 14,109 12,852 3,052 1,899 8,406 211 2,819 51,001

Eligible 201 485 6,577 13,584 12,417 2,961 1,854 8,203 206 1,826 48,314

Entitled to 

Services 134 333 3,940 8,134 7,429 1,837 1,227 4,839 97 694 28,664

Participants 381 904 9,881 20,881 20,031 5,771 4,090 15,076 252 893 78,160

Rehabilitated 42 81 1,128 2,298 1,966 682 519 1,895 34 20 8,665

Female

Applicants 73 194 1,352 2,506 3,142 671 294 1,365 9 495 10,101

Eligible 70 186 1,298 2,406 3,028 644 286 1,341 8 261 9,528

Entitled to 

Services 58 139 925 1,671 1,995 459 259 934 4 120 6,564

Participants 208 468 2,765 5,150 6,203 1,540 918 2,958 10 168 20,388

Rehabilitated 30 45 236 549 720 205 134 387 1 12 2,319

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007. 

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

Vocational Rehabilitation and Employment Activities by Combined Service‐Connected 

Disability Rating Fiscal Year 2007

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

Memo 

Rating

Cases 

Not 

Rated Total

Male

Applicants 35 5,104 7,033 7,910 6,958 4,791 4,705 3,405 2,194 906 2,957 2,721 2,282 51,001

Eligible 14 5,020 6,975 7,849 6,899 4,760 4,680 3,388 2,178 904 2,943 2,682 22 48,314

Entitled to 

Services 11 1,176 3,525 4,286 4,445 3,079 3,264 2,755 2,026 954 2,397 744 2 28,664

Participants 19 2,851 10,047 12,369 12,456 8,750 9,327 7,483 5,324 2,611 6,020 901 2 78,160

Female

Applicants 12 943 1,301 1,579 1,456 1,026 961 704 469 222 407 533 488 10,101

Eligible 2 929 1,295 1,569 1,442 1,020 956 703 469 221 405 426 91 9,528

Entitled to 

Services — 241 769 978 1,021 756 854 649 461 247 421 167 — 6,564

Participants 5 626 2,523 3,254 3,354 2,430 2,701 1,962 1,486 717 1,124 206 — 20,388

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007.

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 Fiscal Year 2007

Case Status

Total 

Veterans

Males with Serious 

Employment Handicaps

Females with Serious 

Employment Handicaps

Total Veterans with Serious 

Employment Handicaps

Entitled to 

Services 35,228 17,326 3,548 20,874

Participants 98,548 44,143 10,378 54,521

Rehabilitated 10,984 5,026 1,072 6,098

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007.
66 Annual Benefits Report FY 2007 Vocational 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 2007.

Veterans Participating in a Vocational Training Program 

During Fiscal Year 2007

Program Male Female Total

Undergraduate School 33,991 10,850 44,841

Vocational/Technical 2,128 376 2,504

Graduate School 1,586 701 2,287

College, Non Degree 906 195 1,101

Extended Eval/Independent Living 649 85 734

Paid On-Job Training 175 22 197

Non Pay Work Experience in 

Government 182 49 231

Non-Pay On-Job Training 64 12 76

Apprenticeship 66 2 68

Improvement of Rehab Potential 28 2 30

High School 5 1 6

Farm Co-op 7 — 7

Total 39,787 12,295 52,082

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

end of Fiscal Year 2007.
Veterans Benefits Administration Making a difference 67Vocational 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 preand post- VR&E program participation for those 

Veterans who were successfully rehabilitated.

Veterans Successfully Rehabilitated 

Pre and Post Annual Earnings by Occupational Category Fiscal Year 2007

Male Female

Average Age 47 40

Total

Average Annual 

Wages Prior to 

VR&E Program 

Entrance

Average Annual 

Wages at 

Rehabilitation

Average Annual 

Wages Prior to 

VR&E Program 

Entrance

Average Annual 

Wages at 

Rehabilitation

Professional, Technical, 

and Managerial 6,202 $8,207 $37,980 $5,310 $32,601

Clerical 556 $5,700 $29,010 $3,931 $25,848

Service 409 $6,003 $28,944 $3,867 $23,238

Miscellaneous 297 $5,902 $31,359 $9,205 $31,411

Machine Trades 254 $7,355 $30,746 $2,964 $26,248

Structural (Building Trades) 193 $9,671 $33,310 $9,600 $9,600

Sales 166 $5,580 $28,372 $2,046 $28,363

Benchwork 47 $5,155 $28,086 $0 $11,322

Processing (Butcher, Meat 

Processor, etc.) 20 $5,133 $36,198 $0 $13,524

Agricultural, Fishery 

and Forestry 32 $6,086 $21,209 $900 $21,273

Total 8,176 $5,852 $33,119 $4,603 $29,841

Note: Excludes Independent Living Veterans (2,808).

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007.
68 Annual Benefits Report FY 2007 Vocational Rehabilitation and Employment (VR&E)

Veterans Successfully Rehabilitated by Occupational Category, Fiscal Year 2007

Average Age

Male Female

41 47 37 40

Occupation Participants Rehabilitated Participants Rehabilitated

Agricultural, Fishery and Forestry 87 28 23 4

Benchwork 195 45 8 2

Clerical 1,315 357 648 199

Independent Living 676 2,499 120 309

Machine Trades 960 251 21 3

Miscellaneous 603 280 50 17

Processing 

(Butcher, Meat Processor, etc.) 41 19 14 1

Professional, Technical, and Managerial 33,961 4,525 11,081 1,677

Sales 344 139 74 27

Service 1,003 330 244 79

Structural (Building Trades) 602 192 12 1

Totals 39,787 8,665 12,295 2,319

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of Fiscal Year 2007.
Veterans Benefits Administration Making a difference 69Appendices 

Appendices 

VBA Regional Office Mailing Addresses ................................A1 

Contacting VA by Telephone ...................................................B1 

Glossary ...................................................................................C1 

Websites .................................................................................D1 

Select Veteran Data for All VBA Programs by State .............E1
Annual Benefits Report FY 2007

Appendices
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 2007 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

671A Whitney Avenue

Gretna, LA 70056-2692

* This is a temporary address due to effects of Hurricane Katrina

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 2007 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*

Education 1-888-GI BILL 1* 

(1-888-442-4551)

Life Insurance 1-800-669-8477*

Burial Headstones and Markers 1-800-697-6947*

Health Care 1-877-222-8387*

CHAMPVA 1-800-733-8387*

Telecommunication Device for the DEAF (TDD) 1-800-829-4833*

Annual Benefits Report 

(Office of Performance Analysis & Integrity) 1-202-461-9040

* Indicates toll-free numbers

Veterans Benefits Administration Making a difference C1Appendices 

Glossary

AID AND ATTENDANCE – An additional monetary 

allowance payable to individuals who are:

 In a nursing home or

 In need of daily care to help with feeding, 

dressing, attending to the wants of nature, 

protecting oneself from hazards of the daily 

environment, or keeping clean.

APPLICANTS (VR&E) – Veterans who have applied 

for Vocational Rehabilitation and Employment 

services.

BENEFITS DELIVERY AT DISCHARGE (BDD) –

Program to assist active duty personnel in filing for 

VA benefits prior to their separation or retirement 

from active duty. VBA provides information about 

VA benefits and assistance in filing benefit claims.

BODY SYSTEMS – Title 38, Code of Federal 

Regulations, Part 4, classifies the various areas 

of the body into fifteen (15) different systems 

as follows:

 Musculoskeletal System

 Skin

 Auditory

 Mental Disorders

 Digestive System

 Neurological Conditions and Convulsive 

Disorders

 Cardiovascular System

 Respiratory System

 Endocrine System

 Genitourinary System

 Eye Infectious Diseases, Immune Disorders, 

Nutritional Deficiencies

 Gynecological Conditions

 Dental and Oral Conditions

 Hemic and Lymphatic Systems

BUYER STATUS – A first-time homeowner or 

previous homeowner.

CASH SURRENDER – A policyholder, upon request, 

receives the cash value that accrued in his/her life 

insurance policy, and in return surrenders all rights, 

title, and interest to his/her basic and/or paid-up 

additional insurance coverage amounts.

CHAPTER 31 BENEFITS – Vocational 

Rehabilitation and Employment (VR&E ) program 

provides benefits and services to Veterans whose 

service-connected disabilities limit or prohibit 

employment options.

CODE OF FEDERAL REGULATIONS (CFR) – VA 

rules and regulations are contained in Title 

38 Code of Federal Regulations (38 CFR). The 

Secretary of Veterans Affairs is empowered to 

prescribe all rules and regulations, consistent with 

existing law, necessary or appropriate to carry out 

the laws administered by the Department (Section 

501, Title 38 USC).

COMBINED DEGREE – The combined degree 

of disability is expressed as a percentage (from 

0 to 100 in increments of 10) and represents 

the overall disabling effect of a Veteran’s 

service-connected disabilities.

COMPENSABLE ZEROS – Disabilities that are 

independently evaluated at zero percent disabling 

but produce an employment handicap to warrant 

a 10% combined disability evaluation. This 

evaluation entitles the Veteran to receive disability 

compensation payments.

COMPUTER SYSTEMS – VBA derives statistical 

data about Veterans from multiple sources 

and from various computer systems: e.g. VBA 

Data Warehouse, VBA’s Benefits Delivery 

Network (BDN), the Beneficiary Identification 

and Records Locator System (BIRLS); and the 

Board of Veterans’ Appeals Control and Locator 

System (VACOLS).
C2 Annual Benefits Report FY 2007 Appendices 

DEPENDENTS’ EDUCATIONAL ASSISTANCE

(DEA) – Refers to Dependents’ Educational 

Assistance Program (Chapter 35 of the Title 38, 

U.S. Code). See Survivors’ and Dependents’ 

Educational Assistance.

DEPENDENCY AND INDEMNITY COMPENSATION

(DIC) – A monetary death benefit payable to 

eligible survivors (surviving spouses, children, 

and/or dependent parents of servicemembers 

who die in service) as a result of a 

service-connected death.

DEPENDENTS – Qualifying dependents for VA 

benefit purposes are a Veteran’s spouse and 

child (natural child, adopted child, or stepchild). A 

Veteran’s mother or father may also be considered 

a dependent generally if there is financial need.

DIAGNOSTIC CODES – VBA uses codes of 

four digit numeric characters to signify specific 

medical conditions. These numeric codes are in 

38 CFR, Part 4.

DIRECT LOAN – A home loan made by the 

Department of Veterans Affairs directly to 

Veterans. This is distinct from guaranteed loans, 

which are made by private lenders and guaranteed 

by VA.

DISABILITY COMPENSATION – A monetary benefit 

paid to Veterans for service‐connected disability.

DISABILITY PENSION – A monetary benefit paid 

to wartime Veterans who are age 65 or older, 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.

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.
Veterans Benefits Administration Making a difference C3Appendices 

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 2007 – Began October 1, 2006, and 

ended September 30, 2007. 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.

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.
C4 Annual Benefits Report FY 2007 Appendices 

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.

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, and 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.
Veterans Benefits Administration Making a difference C5Appendices 

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 was aggravated 

by military service.

SERIOUS EMPLOYMENT HANDICAP – A 

significant impairment, caused in whole or in part 

by a service-connected disability, in the Veteran’s 

ability to prepare for, 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.

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 Unemployables are met. Permanence 

of total disability is considered to exist when the 

impairment is reasonably certain to continue 

throughout the life of the disabled Veteran and 

generally requires no future medical exams.
C6 Annual Benefits Report FY 2007 Appendices 

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
D2 Annual Benefits Report FY 2007 Appendices 
Veterans Benefits Administration Making a difference E1Appendices 

Summary of Fiscal Year 2007 Benefits 

Compensation and Pension 

Estimated Veteran Population 23,976,992 

Disability Compensation Recipients 2,844,178 

Estimated Monthly Disability Compensation Costs $2,330,771,663 

Estimated Annual Disability Compensation Costs $27,969,259,960 

Disability Compensation by Age 34 and under 244,566 

Disability Compensation by Age 35-54 867,346 

Disability Compensation by Age 55-74 1,209,846 

Disability Compensation by Age 75-84 361,749 

Disability Compensation by Age 85 and over 160,671 

Disability Pension Recipients 322,875

Estimated Monthly Disability Pension Costs $232,302,833

Estimated Annual Disability Pension Costs $2,787,633,996

Disability Pension by Age under 45 4,876

Disability Pension by Age 45-54 35,961

Disability Pension by Age 55-69 123,027

Disability Pension by Age 70-84 111,486

Disability Pension by Age 85 and over 47,377

Education 

MGIB-AD Trainees 343,751

MGIB-SR Trainees 60,298

DEA Trainees 77,339

VEAP Trainees 568

REAP Trainees 41,388

Insurance 

Life Insurance Payments $1,739,456,576 

Total Face Value of Insurance $16,411,080,050 

Total Number of Policies 1,446,004 

Loan Guaranty 

Number of Loans 133,313 

Total Loan Amount $24,889,988,061

Vocational Rehabilitation and Employment 

Number of Applicants 63,089 

Number of Plans Developed 23,911 

Number of Entitlement Decisions 8,468 

Number of Veterans Rehabilitated through Independent Living 2,540 

Number of Veterans Rehabilitated by Obtaining Suitable 

Employment 11,008 
E2 Annual Benefits Report FY 2007 Appendices 

Alabama

Compensation and Pension 

Estimated Veteran Population 417,497 

Disability Compensation Recipients 63,349 

Estimated Monthly Disability Compensation Costs $52,138,036 

Estimated Annual Disability Compensation Costs $625,656,432 

Disability Compensation by Age 34 and under 4,345 

Disability Compensation by Age 35-54 20,958 

Disability Compensation by Age 55-74 29,043 

Disability Compensation by Age 75-84 6,666 

Disability Compensation by Age 85 and over 2,336 

Disability Pension Recipients 9,525 

Estimated Monthly Disability Pension Costs $7,805,828 

Estimated Annual Disability Pension Costs $93,669,936 

Disability Pension by Age under 45 112 

Disability Pension by Age 45-54 792 

Disability Pension by Age 55-69 2,546 

Disability Pension by Age 70-84 4,101 

Disability Pension by Age 85 and over 1,974 

Education 

MGIB-AD Trainees 5,741 

MGIB-SR Trainees 1,358

DEA Trainees 2,419 

VEAP Trainees 9 

REAP Trainees 962

Insurance 

Life Insurance Payments $24,350,330 

Total Face Value of Insurance $229,735,670 

Total Number of Policies 20,115

Loan Guaranty 

Number of Loans 3,722 

Total Loan Amount $640,807,983

Vocational Rehabilitation and Employment 

Number of Applicants 2,264 

Number of Plans Developed 982 

Number of Entitlement Decisions 366 

Number of Veterans Rehabilitated through Independent Living 127 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 493 

Benefits by State
Veterans Benefits Administration Making a difference E3Appendices 

Alaska

Compensation and Pension 

Estimated Veteran Population 65,767 

Disability Compensation Recipients 12,591 

Estimated Monthly Disability Compensation Costs $9,410,659 

Estimated Annual Disability Compensation Costs $112,927,902 

Disability Compensation by Age 34 and under 1,138 

Disability Compensation by Age 35-54 5,942 

Disability Compensation by Age 55-74 4,810 

Disability Compensation by Age 75-84 547 

Disability Compensation by Age 85 and over 153 

Disability Pension Recipients 312 

Estimated Monthly Disability Pension Costs $233,332 

Estimated Annual Disability Pension Costs $2,799,984 

Disability Pension by Age under 45 4 

Disability Pension by Age 45-54 47 

Disability Pension by Age 55-69 201 

Disability Pension by Age 70-84 49 

Disability Pension by Age 85 and over 11 

Education 

MGIB-AD Trainees 1,029 

MGIB-SR Trainees 147 

DEA Trainees 169 

VEAP Trainees 2 

REAP Trainees 39

Insurance 

Life Insurance Payments $2,439,686 

Total Face Value of Insurance $23,017,468 

Total Number of Policies 1,795 

Loan Guaranty 

Number of Loans 1,969

Total Loan Amount $495,672,048

Vocational Rehabilitation and Employment 

Number of Applicants 304 

Number of Plans Developed 136 

Number of Entitlement Decisions 76 

Number of Veterans Rehabilitated through Independent Living 7 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 83 
E4 Annual Benefits Report FY 2007 Appendices 

Arizona 

Compensation and Pension 

Estimated Veteran Population 550,095 

Disability Compensation Recipients 65,158 

Estimated Monthly Disability Compensation Costs $55,687,714 

Estimated Annual Disability Compensation Costs $668,252,568 

Disability Compensation by Age 34 and under 6,288 

Disability Compensation by Age 35-54 19,282 

Disability Compensation by Age 55-74 27,828 

Disability Compensation by Age 75-84 8,407 

Disability Compensation by Age 85 and over 3,352 

Disability Pension Recipients 4,989 

Estimated Monthly Disability Pension Costs $3,238,989 

Estimated Annual Disability Pension Costs $38,867,868 

Disability Pension by Age under 45 77 

Disability Pension by Age 45-54 612 

Disability Pension by Age 55-69 2,048 

Disability Pension by Age 70-84 1,708 

Disability Pension by Age 85 and over 544 

Education 

MGIB-AD Trainees 23,301 

MGIB-SR Trainees 1,475 

DEA Trainees 2,625 

VEAP Trainees 13 

REAP Trainees 1,192

Insurance 

Life Insurance Payments $38,957,099 

Total Face Value of Insurance $367,544,712

Total Number of Policies 32,615 

Loan Guaranty 

Number of Loans 3,643 

Total Loan Amount $809,872,638

Vocational Rehabilitation and Employment 

Number of Applicants 1,580 

Number of Plans Developed 664 

Number of Entitlement Decisions 357 

Number of Veterans Rehabilitated through Independent Living 246 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 603 
Veterans Benefits Administration Making a difference E5Appendices 

Arkansas 

Compensation and Pension 

Estimated Veteran Population 262,613

Disability Compensation Recipients 35,424 

Estimated Monthly Disability Compensation Costs $37,761,970 

Estimated Annual Disability Compensation Costs $453,143,640 

Disability Compensation by Age 34 and under 2,719 

Disability Compensation by Age 35-54 10,784 

Disability Compensation by Age 55-74 16,120 

Disability Compensation by Age 75-84 4,026 

Disability Compensation by Age 85 and over 1,774 

Disability Pension Recipients 5,540 

Estimated Monthly Disability Pension Costs $3,638,286 

Estimated Annual Disability Pension Costs $43,659,432 

Disability Pension by Age under 45 128 

Disability Pension by Age 45-54 619 

Disability Pension by Age 55-69 2,044 

Disability Pension by Age 70-84 1,832 

Disability Pension by Age 85 and over 917 

Education 

MGIB-AD Trainees 2,145 

MGIB-SR Trainees 950 

DEA Trainees 1,547 

VEAP Trainees 3 

REAP Trainees 744

Insurance 

Life Insurance Payments $14,881,013

Total Face Value of Insurance $140,396,430 

Total Number of Policies 12,788 

Loan Guaranty 

Number of Loans 1,828

Total Loan Amount $262,825,939

Vocational Rehabilitation and Employment 

Number of Applicants 698 

Number of Plans Developed 388 

Number of Entitlement Decisions 113 

Number of Veterans Rehabilitated through Independent Living 8 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 121 
E6 Annual Benefits Report FY 2007 Appendices 

California 

Compensation and Pension 

Estimated Veteran Population 2,203,727

Disability Compensation Recipients 236,112 

Estimated Monthly Disability Compensation Costs $187,781,583 

Estimated Annual Disability Compensation Costs $2,253,378,996 

Disability Compensation by Age 34 and under 25,421 

Disability Compensation by Age 35-54 65,661 

Disability Compensation by Age 55-74 97,311 

Disability Compensation by Age 75-84 32,375 

Disability Compensation by Age 85 and over 15,340 

Disability Pension Recipients 23,335 

Estimated Monthly Disability Pension Costs $16,782,781 

Estimated Annual Disability Pension Costs $201,393,372 

Disability Pension by Age under 45 419 

Disability Pension by Age 45-54 3,268 

Disability Pension by Age 55-69 10,131 

Disability Pension by Age 70-84 6,795 

Disability Pension by Age 85 and over 2,722 

Education 

MGIB-AD Trainees 35,404 

MGIB-SR Trainees 3,131

DEA Trainees 6,663 

VEAP Trainees 57 

REAP Trainees 1,818

Insurance 

Life Insurance Payments $175,283,400 

Total Face Value of Insurance $1,653,729,076 

Total Number of Policies 140,449 

Loan Guaranty 

Number of Loans 1,924

Total Loan Amount $563,992,917

Vocational Rehabilitation and Employment 

Number of Applicants 4,668 

Number of Plans Developed 1,419 

Number of Entitlement Decisions 435 

Number of Veterans Rehabilitated through Independent Living 470 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 905 
Veterans Benefits Administration Making a difference E7Appendices 

Colorado 

Compensation and Pension 

Estimated Veteran Population 419,938

Disability Compensation Recipients 56,302 

Estimated Monthly Disability Compensation Costs $44,495,188 

Estimated Annual Disability Compensation Costs $533,942,256 

Disability Compensation by Age 34 and under 5,534 

Disability Compensation by Age 35-54 20,479 

Disability Compensation by Age 55-74 22,449 

Disability Compensation by Age 75-84 5,518 

Disability Compensation by Age 85 and over 2,321 

Disability Pension Recipients 3,585 

Estimated Monthly Disability Pension Costs $2,649,663 

Estimated Annual Disability Pension Costs $31,795,956 

Disability Pension by Age under 45 53 

Disability Pension by Age 45-54 463 

Disability Pension by Age 55-69 1,464 

Disability Pension by Age 70-84 1,095 

Disability Pension by Age 85 and over 510 

Education 

MGIB-AD Trainees 10,029 

MGIB-SR Trainees 782 

DEA Trainees 1,469 

VEAP Trainees 12 

REAP Trainees 602

Insurance 

Life Insurance Payments $28,365,552 

Total Face Value of Insurance $267,617,689

Total Number of Policies 23,173 

Loan Guaranty 

Number of Loans 4,883

Total Loan Amount $1,058,325,873 

Vocational Rehabilitation and Employment 

Number of Applicants 1,755 

Number of Plans Developed 604 

Number of Entitlement Decisions 227 

Number of Veterans Rehabilitated through Independent Living 71 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 298 

* VR&E total includes Wyoming
E8 Annual Benefits Report FY 2007 Appendices 

Connecticut 

Compensation and Pension 

Estimated Veteran Population 251,957

Disability Compensation Recipients 20,186 

Estimated Monthly Disability Compensation Costs $14,560,547 

Estimated Annual Disability Compensation Costs $174,726,559 

Disability Compensation by Age 34 and under 1,793 

Disability Compensation by Age 35-54 4,722 

Disability Compensation by Age 55-74 7,978 

Disability Compensation by Age 75-84 3,528 

Disability Compensation by Age 85 and over 2,165 

Disability Pension Recipients 1,784 

Estimated Monthly Disability Pension Costs $931,772 

Estimated Annual Disability Pension Costs $11,181,264 

Disability Pension by Age under 45 13 

Disability Pension by Age 45-54 146 

Disability Pension by Age 55-69 596 

Disability Pension by Age 70-84 618 

Disability Pension by Age 85 and over 411 

Education 

MGIB-AD Trainees 1,756 

MGIB-SR Trainees 536 

DEA Trainees 323 

VEAP Trainees 5

REAP Trainees 348

Insurance 

Life Insurance Payments $27,152,309 

Total Face Value of Insurance $256,171,218 

Total Number of Policies 22,909 

Loan Guaranty 

Number of Loans 425 

Total Loan Amount $102,408,189

Vocational Rehabilitation and Employment 

Number of Applicants 493 

Number of Plans Developed 231 

Number of Entitlement Decisions 35 

Number of Veterans Rehabilitated through Independent Living 79 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 114 
Veterans Benefits Administration Making a difference E9Appendices 

Delaware 

Compensation and Pension 

Estimated Veteran Population 79,029 

Disability Compensation Recipients 8,543 

Estimated Monthly Disability Compensation Costs $6,187,439 

Estimated Annual Disability Compensation Costs $74,249,268 

Disability Compensation by Age 34 and under 601 

Disability Compensation by Age 35-54 2,959 

Disability Compensation by Age 55-74 3,537 

Disability Compensation by Age 75-84 1,060 

Disability Compensation by Age 85 and over 385 

Disability Pension Recipients 538 

Estimated Monthly Disability Pension Costs $335,839 

Estimated Annual Disability Pension Costs $4,030,068 

Disability Pension by Age under 45 11 

Disability Pension by Age 45-54 52 

Disability Pension by Age 55-69 209 

Disability Pension by Age 70-84 187 

Disability Pension by Age 85 and over 79 

Education 

MGIB-AD Trainees 660 

MGIB-SR Trainees 223

DEA Trainees 193 

VEAP Trainees 1 

REAP Trainees 106

Insurance 

Life Insurance Payments $5,475,441 

Total Face Value of Insurance $51,658,602 

Total Number of Policies 4,926 

Loan Guaranty 

Number of Loans 578

Total Loan Amount $139,064,517

Vocational Rehabilitation and Employment 

Number of Applicants 200 

Number of Plans Developed 74 

Number of Entitlement Decisions 35 

Number of Veterans Rehabilitated through Independent Living 7 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 42 
E10 Annual Benefits Report FY 2007 Appendices 

District of Columbia 

Compensation and Pension 

Estimated Veteran Population 34,804

Disability Compensation Recipients 4,272 

Estimated Monthly Disability Compensation Costs $3,145,146 

Estimated Annual Disability Compensation Costs $37,741,752 

Disability Compensation by Age 34 and under 293 

Disability Compensation by Age 35-54 1,273 

Disability Compensation by Age 55-74 1,764 

Disability Compensation by Age 75-84 633 

Disability Compensation by Age 85 and over 308 

Disability Pension Recipients 836 

Estimated Monthly Disability Pension Costs $532,209 

Estimated Annual Disability Pension Costs $6,386,508 

Disability Pension by Age under 45 4 

Disability Pension by Age 45-54 97 

Disability Pension by Age 55-69 326 

Disability Pension by Age 70-84 328 

Disability Pension by Age 85 and over 81 

Education 

MGIB-AD Trainees 753 

MGIB-SR Trainees 62 

DEA Trainees 180 

VEAP Trainees 3 

REAP Trainees 52

Insurance 

Life Insurance Payments $3,089,819 

Total Face Value of Insurance $29,151,216 

Total Number of Policies 2,433 

Loan Guaranty 

Number of Loans 20

Total Loan Amount $6,043,533

Vocational Rehabilitation and Employment 

Number of Applicants 1,118 

Number of Plans Developed 319 

Number of Entitlement Decisions 103 

Number of Veterans Rehabilitated through Independent Living 12 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 115 
Veterans Benefits Administration Making a difference E11Appendices 

Florida 

Compensation and Pension 

Estimated Veteran Population 1,747,076

Disability Compensation Recipients 226,715 

Estimated Monthly Disability Compensation Costs $181,254,216 

Estimated Annual Disability Compensation Costs $2,175,050,586 

Disability Compensation by Age 34 and under 15,791 

Disability Compensation by Age 35-54 68,229 

Disability Compensation by Age 55-74 93,599 

Disability Compensation by Age 75-84 33,753 

Disability Compensation by Age 85 and over 15,339 

Disability Pension Recipients 21,715 

Estimated Monthly Disability Pension Costs $16,232,012 

Estimated Annual Disability Pension Costs $194,784,144 

Disability Pension by Age under 45 312 

Disability Pension by Age 45-54 2,231 

Disability Pension by Age 55-69 8,438 

Disability Pension by Age 70-84 7,313 

Disability Pension by Age 85 and over 3,421 

Education 

MGIB-AD Trainees 24,990 

MGIB-SR Trainees 2,417 

DEA Trainees 5,096 

VEAP Trainees 32 

REAP Trainees 1,428

Insurance 

Life Insurance Payments $157,066,041 

Total Face Value of Insurance $1,481,855,541 

Total Number of Policies 129,909 

Loan Guaranty 

Number of Loans 8,224 

Total Loan Amount $1,709,700,329

Vocational Rehabilitation and Employment 

Number of Applicants 3,584 

Number of Plans Developed 1,410 

Number of Entitlement Decisions 560 

Number of Veterans Rehabilitated through Independent Living 80 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 640 
E12 Annual Benefits Report FY 2007 Appendices 

Georgia 

Compensation and Pension 

Estimated Veteran Population 757,070 

Disability Compensation Recipients 102,204 

Estimated Monthly Disability Compensation Costs $78,585,908 

Estimated Annual Disability Compensation Costs $943,030,896 

Disability Compensation by Age 34 and under 9,218 

Disability Compensation by Age 35-54 41,687 

Disability Compensation by Age 55-74 40,364 

Disability Compensation by Age 75-84 8,024 

Disability Compensation by Age 85 and over 2,903 

Disability Pension Recipients 11,118 

Estimated Monthly Disability Pension Costs $8,063,629 

Estimated Annual Disability Pension Costs $96,763,548 

Disability Pension by Age under 45 189 

Disability Pension by Age 45-54 1,238 

Disability Pension by Age 55-69 4,306 

Disability Pension by Age 70-84 3,652 

Disability Pension by Age 85 and over 1,733 

Education 

MGIB-AD Trainees 13,394 

MGIB-SR Trainees 1,640 

DEA Trainees 2,889 

VEAP Trainees 15 

REAP Trainees 1,040

Insurance 

Life Insurance Payments $40,539,676 

Total Face Value of Insurance $382,475,697 

Total Number of Policies 33,726 

Loan Guaranty 

Number of Loans 7,839 

Total Loan Amount $1,362,448,109

Vocational Rehabilitation and Employment 

Number of Applicants 2,905 

Number of Plans Developed 760 

Number of Entitlement Decisions 356 

Number of Veterans Rehabilitated through Independent Living 46 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 402 
Veterans Benefits Administration Making a difference E13Appendices 

Hawaii 

Compensation and Pension 

Estimated Veteran Population 102,396

Disability Compensation Recipients 15,293 

Estimated Monthly Disability Compensation Costs $12,406,861 

Estimated Annual Disability Compensation Costs $148,882,332 

Disability Compensation by Age 34 and under 1,147 

Disability Compensation by Age 35-54 4,722 

Disability Compensation by Age 55-74 6,492 

Disability Compensation by Age 75-84 2,111 

Disability Compensation by Age 85 and over 821 

Disability Pension Recipients 703 

Estimated Monthly Disability Pension Costs $492,228 

Estimated Annual Disability Pension Costs $5,906,736 

Disability Pension by Age under 45 13 

Disability Pension by Age 45-54 107 

Disability Pension by Age 55-69 369 

Disability Pension by Age 70-84 160 

Disability Pension by Age 85 and over 54 

Education 

MGIB-AD Trainees 1,977 

MGIB-SR Trainees 419 

DEA Trainees 400

VEAP Trainees 4

REAP Trainees 344

Insurance 

Life Insurance Payments $15,323,770 

Total Face Value of Insurance $144,573,666 

Total Number of Policies 10,649 

Loan Guaranty 

Number of Loans 889

Total Loan Amount $365,993,714

Vocational Rehabilitation and Employment 

Number of Applicants 513 

Number of Plans Developed 184 

Number of Entitlement Decisions 77 

Number of Veterans Rehabilitated through Independent Living 80 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 157 
E14 Annual Benefits Report FY 2007 Appendices 

Idaho 

Compensation and Pension 

Estimated Veteran Population 131,827

Disability Compensation Recipients 17,543 

Estimated Monthly Disability Compensation Costs $14,173,540 

Estimated Annual Disability Compensation Costs $170,082,474 

Disability Compensation by Age 34 and under 1,758 

Disability Compensation by Age 35-54 5,407 

Disability Compensation by Age 55-74 7,477 

Disability Compensation by Age 75-84 2,032 

Disability Compensation by Age 85 and over 868 

Disability Pension Recipients 1,420 

Estimated Monthly Disability Pension Costs $1,035,728 

Estimated Annual Disability Pension Costs $12,428,736 

Disability Pension by Age under 45 21 

Disability Pension by Age 45-54 133 

Disability Pension by Age 55-69 516 

Disability Pension by Age 70-84 516 

Disability Pension by Age 85 and over 234 

Education 

MGIB-AD Trainees 1,585 

MGIB-SR Trainees 391 

DEA Trainees 391 

VEAP Trainees 3 

REAP Trainees 374

Insurance 

Life Insurance Payments $7,847,164 

Total Face Value of Insurance $74,034,867 

Total Number of Policies 6,661 

Loan Guaranty 

Number of Loans 1,029 

Total Loan Amount $184,109,707

Vocational Rehabilitation and Employment 

Number of Applicants 288 

Number of Plans Developed 121 

Number of Entitlement Decisions 73 

Number of Veterans Rehabilitated through Independent Living 8 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 81 
Veterans Benefits Administration Making a difference E15Appendices 

Illinois 

Compensation and Pension 

Estimated Veteran Population 852,409

Disability Compensation Recipients 65,647 

Estimated Monthly Disability Compensation Costs $48,556,060 

Estimated Annual Disability Compensation Costs $582,672,714 

Disability Compensation by Age 34 and under 7,275 

Disability Compensation by Age 35-54 18,763 

Disability Compensation by Age 55-74 27,071 

Disability Compensation by Age 75-84 8,329 

Disability Compensation by Age 85 and over 4,203 

Disability Pension Recipients 9,310 

Estimated Monthly Disability Pension Costs $6,374,883 

Estimated Annual Disability Pension Costs $76,498,596 

Disability Pension by Age under 45 117 

Disability Pension by Age 45-54 1,087 

Disability Pension by Age 55-69 4,191 

Disability Pension by Age 70-84 2,909 

Disability Pension by Age 85 and over 1,006 

Education 

MGIB-AD Trainees 15,499 

MGIB-SR Trainees 2,596 

DEA Trainees 1,781 

VEAP Trainees 22 

REAP Trainees 1,943

Insurance 

Life Insurance Payments $74,469,064 

Total Face Value of Insurance $674,282,156 

Total Number of Policies 55,855 

Loan Guaranty 

Number of Loans 2,633

Total Loan Amount $470,365,436

Vocational Rehabilitation and Employment 

Number of Applicants 956 

Number of Plans Developed 444 

Number of Entitlement Decisions 156 

Number of Veterans Rehabilitated through Independent Living 20 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 176 
E16 Annual Benefits Report FY 2007 Appendices 

Indiana 

Compensation and Pension 

Estimated Veteran Population 534,033

Disability Compensation Recipients 50,296 

Estimated Monthly Disability Compensation Costs $35,203,825 

Estimated Annual Disability Compensation Costs $422,445,900 

Disability Compensation by Age 34 and under 3,999 

Disability Compensation by Age 35-54 15,128 

Disability Compensation by Age 55-74 22,201 

Disability Compensation by Age 75-84 6,271 

Disability Compensation by Age 85 and over 2,695 

Disability Pension Recipients 4,613 

Estimated Monthly Disability Pension Costs $3,236,822 

Estimated Annual Disability Pension Costs $38,841,864 

Disability Pension by Age under 45 75 

Disability Pension by Age 45-54 560 

Disability Pension by Age 55-69 1,870 

Disability Pension by Age 70-84 1,519 

Disability Pension by Age 85 and over 589 

Education 

MGIB-AD Trainees 3,880 

MGIB-SR Trainees 1,614 

DEA Trainees 1,003

VEAP Trainees 9 

REAP Trainees 1,001

Insurance 

Life Insurance Payments $26,228,031 

Total Face Value of Insurance $247,451,026 

Total Number of Policies 21,704

Loan Guaranty 

Number of Loans 1,979 

Total Loan Amount $285,019,738

Vocational Rehabilitation and Employment 

Number of Applicants 1,097 

Number of Plans Developed 553 

Number of Entitlement Decisions 131 

Number of Veterans Rehabilitated through Independent Living 53 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 184 
Veterans Benefits Administration Making a difference E17Appendices 

Iowa 

Compensation and Pension 

Estimated Veteran Population 254,855

Disability Compensation Recipients 23,447 

Estimated Monthly Disability Compensation Costs $17,813,591 

Estimated Annual Disability Compensation Costs $213,763,092 

Disability Compensation by Age 34 and under 1,841 

Disability Compensation by Age 35-54 6,277 

Disability Compensation by Age 55-74 9,886 

Disability Compensation by Age 75-84 3,670 

Disability Compensation by Age 85 and over 1,771 

Disability Pension Recipients 3,553 

Estimated Monthly Disability Pension Costs $2,651,819 

Estimated Annual Disability Pension Costs $31,821,828 

Disability Pension by Age under 45 45 

Disability Pension by Age 45-54 341 

Disability Pension by Age 55-69 1,224 

Disability Pension by Age 70-84 1,338 

Disability Pension by Age 85 and over 605 

Education 

MGIB-AD Trainees 2,580 

MGIB-SR Trainees 1,139

DEA Trainees 538 

VEAP Trainees 5

REAP Trainees 904

Insurance 

Life Insurance Payments $21,533,742 

Total Face Value of Insurance $203,162,282 

Total Number of Policies 16,380 

Loan Guaranty 

Number of Loans 832

Total Loan Amount $120,175,825

Vocational Rehabilitation and Employment 

Number of Applicants 585 

Number of Plans Developed 260 

Number of Entitlement Decisions 47 

Number of Veterans Rehabilitated through Independent Living 5 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 52 
E18 Annual Benefits Report FY 2007 Appendices 

Kansas 

Compensation and Pension 

Estimated Veteran Population 237,564

Disability Compensation Recipients 26,032 

Estimated Monthly Disability Compensation Costs $19,192,784 

Estimated Annual Disability Compensation Costs $230,313,408 

Disability Compensation by Age 34 and under 2,102 

Disability Compensation by Age 35-54 8,170 

Disability Compensation by Age 55-74 10,905 

Disability Compensation by Age 75-84 3,248 

Disability Compensation by Age 85 and over 1,606 

Disability Pension Recipients 2,883 

Estimated Monthly Disability Pension Costs $2,015,847 

Estimated Annual Disability Pension Costs $24,190,164 

Disability Pension by Age under 45 59 

Disability Pension by Age 45-54 368 

Disability Pension by Age 55-69 1,158 

Disability Pension by Age 70-84 910 

Disability Pension by Age 85 and over 388 

Education 

MGIB-AD Trainees 2,955

MGIB-SR Trainees 840

DEA Trainees 663

VEAP Trainees 5

REAP Trainees 496

Insurance 

Life Insurance Payments $17,086,839 

Total Face Value of Insurance $161,207,524 

Total Number of Policies 13,896 

Loan Guaranty 

Number of Loans 1,689

Total Loan Amount $259,071,367

Vocational Rehabilitation and Employment 

Number of Applicants 470 

Number of Plans Developed 166 

Number of Entitlement Decisions 80 

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 80 
Veterans Benefits Administration Making a difference E19Appendices 

Kentucky 

Compensation and Pension 

Estimated Veteran Population 351,185

Disability Compensation Recipients 44,833 

Estimated Monthly Disability Compensation Costs $41,082,312 

Estimated Annual Disability Compensation Costs $492,987,744 

Disability Compensation by Age 34 and under 3,588 

Disability Compensation by Age 35-54 14,014 

Disability Compensation by Age 55-74 19,741 

Disability Compensation by Age 75-84 5,276 

Disability Compensation by Age 85 and over 2,212 

Disability Pension Recipients 6418

Estimated Monthly Disability Pension Costs $4,427,097 

Estimated Annual Disability Pension Costs $53,125,164 

Disability Pension by Age under 45 76

Disability Pension by Age 45-54 721

Disability Pension by Age 55-69 2545

Disability Pension by Age 70-84 2226

Disability Pension by Age 85 and over 850

Education 

MGIB-AD Trainees 3,280

MGIB-SR Trainees 826

DEA Trainees 1,431

VEAP Trainees 7

REAP Trainees 630

Insurance 

Life Insurance Payments $17,596,675

Total Face Value of Insurance $166,017,621

Total Number of Policies 14,830

Loan Guaranty 

Number of Loans 2,435

Total Loan Amount $336,056,839

Vocational Rehabilitation and Employment 

Number of Applicants 928 

Number of Plans Developed 428 

Number of Entitlement Decisions 139 

Number of Veterans Rehabilitated through Independent Living 33 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 172 
E20 Annual Benefits Report FY 2007 Appendices 

Louisiana 

Compensation and Pension 

Estimated Veteran Population 356,461 

Disability Compensation Recipients 38,085 

Estimated Monthly Disability Compensation Costs $34,204,874 

Estimated Annual Disability Compensation Costs $410,458,488 

Disability Compensation by Age 34 and under 3,591 

Disability Compensation by Age 35-54 10,846 

Disability Compensation by Age 55-74 17,172 

Disability Compensation by Age 75-84 4,685 

Disability Compensation by Age 85 and over 1,790 

Disability Pension Recipients 8372

Estimated Monthly Disability Pension Costs $5,912,319 

Estimated Annual Disability Pension Costs $70,947,828 

Disability Pension by Age under 45 125

Disability Pension by Age 45-54 885

Disability Pension by Age 55-69 2963

Disability Pension by Age 70-84 3078

Disability Pension by Age 85 and over 1321

Education 

MGIB-AD Trainees 3,485

MGIB-SR Trainees 1,395

DEA Trainees 1,448

VEAP Trainees 5

REAP Trainees 1,051

Insurance 

Life Insurance Payments $19,939,688

Total Face Value of Insurance $188,123,014

Total Number of Policies 16,182

Loan Guaranty 

Number of Loans 1,945

Total Loan Amount $323,306,730

Vocational Rehabilitation and Employment 

Number of Applicants 910 

Number of Plans Developed 238 

Number of Entitlement Decisions 146 

Number of Veterans Rehabilitated through Independent Living 10 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 156 
Veterans Benefits Administration Making a difference E21Appendices 

Maine 

Compensation and Pension 

Estimated Veteran Population 139,063

Disability Compensation Recipients 21,222 

Estimated Monthly Disability Compensation Costs $22,253,461 

Estimated Annual Disability Compensation Costs $267,041,532 

Disability Compensation by Age 34 and under 1,592 

Disability Compensation by Age 35-54 6,043 

Disability Compensation by Age 55-74 9,728 

Disability Compensation by Age 75-84 2,813 

Disability Compensation by Age 85 and over 1,045 

Disability Pension Recipients 2539

Estimated Monthly Disability Pension Costs $1,701,931 

Estimated Annual Disability Pension Costs $20,423,172 

Disability Pension by Age under 45 56

Disability Pension by Age 45-54 289

Disability Pension by Age 55-69 1033

Disability Pension by Age 70-84 864

Disability Pension by Age 85 and over 297

Education 

MGIB-AD Trainees 975

MGIB-SR Trainees 231

DEA Trainees 736

VEAP Trainees 3

REAP Trainees 178

Insurance 

Life Insurance Payments $9,576,006

Total Face Value of Insurance $90,345,805

Total Number of Policies 8,484

Loan Guaranty 

Number of Loans 459

Total Loan Amount $79,220,937

Vocational Rehabilitation and Employment 

Number of Applicants 453 

Number of Plans Developed 160 

Number of Entitlement Decisions 48 

Number of Veterans Rehabilitated through Independent Living 5 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 53 
E22 Annual Benefits Report FY 2007 Appendices 

Maryland 

Compensation and Pension 

Estimated Veteran Population 470,722

Disability Compensation Recipients 52,291 

Estimated Monthly Disability Compensation Costs $37,290,610 

Estimated Annual Disability Compensation Costs $447,487,314 

Disability Compensation by Age 34 and under 4,920 

Disability Compensation by Age 35-54 20,150 

Disability Compensation by Age 55-74 19,752 

Disability Compensation by Age 75-84 5,119 

Disability Compensation by Age 85 and over 2,349 

Disability Pension Recipients 3,571

Estimated Monthly Disability Pension Costs $2,470,014 

Estimated Annual Disability Pension Costs $29,640,168 

Disability Pension by Age under 45 60

Disability Pension by Age 45-54 456

Disability Pension by Age 55-69 1,492

Disability Pension by Age 70-84 1,204

Disability Pension by Age 85 and over 359

Education 

MGIB-AD Trainees 8,740

MGIB-SR Trainees 778

DEA Trainees 928

VEAP Trainees 15

REAP Trainees 413

Insurance 

Life Insurance Payments $36,119,402

Total Face Value of Insurance $340,772,173

Total Number of Policies 28,315

Loan Guaranty 

Number of Loans 2,119

Total Loan Amount $604,325,363

Vocational Rehabilitation and Employment 

Number of Applicants 613 

Number of Plans Developed 230 

Number of Entitlement Decisions 110 

Number of Veterans Rehabilitated through Independent Living 10 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 120 
Veterans Benefits Administration Making a difference E23Appendices 

Massachusetts 

Compensation and Pension 

Estimated Veteran Population 462,083

Disability Compensation Recipients 52,747 

Estimated Monthly Disability Compensation Costs $41,040,257 

Estimated Annual Disability Compensation Costs $492,483,084 

Disability Compensation by Age 34 and under 3,023 

Disability Compensation by Age 35-54 9,982 

Disability Compensation by Age 55-74 21,487 

Disability Compensation by Age 75-84 12,148 

Disability Compensation by Age 85 and over 6,105 

Disability Pension Recipients 4,109

Estimated Monthly Disability Pension Costs $2,741,270 

Estimated Annual Disability Pension Costs $32,895,240 

Disability Pension by Age under 45 56 

Disability Pension by Age 45-54 469 

Disability Pension by Age 55-69 1,488 

Disability Pension by Age 70-84 1,475 

Disability Pension by Age 85 and over 621 

Education 

MGIB-AD Trainees 3,143

MGIB-SR Trainees 883

DEA Trainees 1,035

VEAP Trainees 12

REAP Trainees 634

Insurance 

Life Insurance Payments $45,474,330

Total Face Value of Insurance $429,032,195

Total Number of Policies 41,513

Loan Guaranty 

Number of Loans 441

Total Loan Amount $112,486,491

Vocational Rehabilitation and Employment 

Number of Applicants 527 

Number of Plans Developed 192 

Number of Entitlement Decisions 81 

Number of Veterans Rehabilitated through Independent Living 8 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 89 
E24 Annual Benefits Report FY 2007 Appendices 

Michigan 

Compensation and Pension 

Estimated Veteran Population 804,011

Disability Compensation Recipients 66,844 

Estimated Monthly Disability Compensation Costs $51,258,803 

Estimated Annual Disability Compensation Costs $615,105,636 

Disability Compensation by Age 34 and under 4,737 

Disability Compensation by Age 35-54 17,144 

Disability Compensation by Age 55-74 30,243 

Disability Compensation by Age 75-84 9,844 

Disability Compensation by Age 85 and over 4,870 

Disability Pension Recipients 9,168

Estimated Monthly Disability Pension Costs $7,322,621

Estimated Annual Disability Pension Costs $87,871,452

Disability Pension by Age under 45 186 

Disability Pension by Age 45-54 1,179 

Disability Pension by Age 55-69 4,271 

Disability Pension by Age 70-84 2,520 

Disability Pension by Age 85 and over 1,012

Education 

MGIB-AD Trainees 6,083

MGIB-SR Trainees 1,412

DEA Trainees 1,502

VEAP Trainees 19

REAP Trainees 766

Insurance 

Life Insurance Payments $47,620,460

Total Face Value of Insurance $449,280,074

Total Number of Policies 41,836

Loan Guaranty 

Number of Loans 1,178

Total Loan Amount $177,599,416

Vocational Rehabilitation and Employment 

Number of Applicants 1,472 

Number of Plans Developed 751 

Number of Entitlement Decisions 111 

Number of Veterans Rehabilitated through Independent Living 69 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 180 
Veterans Benefits Administration Making a difference E25Appendices 

Minnesota 

Compensation and Pension 

Estimated Veteran Population 410,166

Disability Compensation Recipients 53,363 

Estimated Monthly Disability Compensation Costs $40,722,254 

Estimated Annual Disability Compensation Costs $488,667,048 

Disability Compensation by Age 34 and under 3,771 

Disability Compensation by Age 35-54 11,558 

Disability Compensation by Age 55-74 24,294 

Disability Compensation by Age 75-84 9,556 

Disability Compensation by Age 85 and over 4,178 

Disability Pension Recipients 4,494 

Estimated Monthly Disability Pension Costs $2,976,086 

Estimated Annual Disability Pension Costs $35,713,032 

Disability Pension by Age under 45 62 

Disability Pension by Age 45-54 460 

Disability Pension by Age 55-69 1,438 

Disability Pension by Age 70-84 1,649 

Disability Pension by Age 85 and over 885 

Education 

MGIB-AD Trainees 4,499

MGIB-SR Trainees 1,802

DEA Trainees 1,371

VEAP Trainees 12

REAP Trainees 1,186

Insurance 

Life Insurance Payments $36,576,241

Total Face Value of Insurance $345,082,270

Total Number of Policies 32,499

Loan Guaranty 

Number of Loans 1,079

Total Loan Amount $208,551,971

Vocational Rehabilitation and Employment 

Number of Applicants 885 

Number of Plans Developed 363 

Number of Entitlement Decisions 126 

Number of Veterans Rehabilitated through Independent Living 38 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 164 
E26 Annual Benefits Report FY 2007 Appendices 

Mississippi 

Compensation and Pension 

Estimated Veteran Population 236,338

Disability Compensation Recipients 27,725 

Estimated Monthly Disability Compensation Costs $23,362,874 

Estimated Annual Disability Compensation Costs $280,354,488 

Disability Compensation by Age 34 and under 1,860 

Disability Compensation by Age 35-54 8,624 

Disability Compensation by Age 55-74 12,309 

Disability Compensation by Age 75-84 3,536 

Disability Compensation by Age 85 and over 1,395 

Disability Pension Recipients 5,447 

Estimated Monthly Disability Pension Costs $3,558,611 

Estimated Annual Disability Pension Costs $42,703,332 

Disability Pension by Age under 45 63 

Disability Pension by Age 45-54 417 

Disability Pension by Age 55-69 1,586 

Disability Pension by Age 70-84 2,257 

Disability Pension by Age 85 and over 1,124 

Education 

MGIB-AD Trainees 1,735

MGIB-SR Trainees 1,154

DEA Trainees 805

VEAP Trainees 3

REAP Trainees 844

Insurance 

Life Insurance Payments $12,100,011

Total Face Value of Insurance $114,158,789

Total Number of Policies 10,046

Loan Guaranty 

Number of Loans 1,553

Total Loan Amount $256,193,939

Vocational Rehabilitation and Employment 

Number of Applicants 319 

Number of Plans Developed 145 

Number of Entitlement Decisions 68 

Number of Veterans Rehabilitated through Independent Living 8 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 76 
Veterans Benefits Administration Making a difference E27Appendices 

Missouri 

Compensation and Pension 

Estimated Veteran Population 538,172

Disability Compensation Recipients 56,275 

Estimated Monthly Disability Compensation Costs $45,189,368 

Estimated Annual Disability Compensation Costs $542,272,416 

Disability Compensation by Age 34 and under 4,190 

Disability Compensation by Age 35-54 16,066 

Disability Compensation by Age 55-74 25,224 

Disability Compensation by Age 75-84 7,652 

Disability Compensation by Age 85 and over 3,128 

Disability Pension Recipients 8,360 

Estimated Monthly Disability Pension Costs $6,401,438 

Estimated Annual Disability Pension Costs $76,817,256 

Disability Pension by Age under 45 98 

Disability Pension by Age 45-54 897 

Disability Pension by Age 55-69 3,002 

Disability Pension by Age 70-84 2,974 

Disability Pension by Age 85 and over 1,389 

Education 

MGIB-AD Trainees 7,422

MGIB-SR Trainees 1,489

DEA Trainees 1,440

VEAP Trainees 14

REAP Trainees 1,290

Insurance 

Life Insurance Payments $33,172,985

Total Face Value of Insurance $312,973,904

Total Number of Policies 27,852

Loan Guaranty 

Number of Loans 2,665

Total Loan Amount 415,040,394

Vocational Rehabilitation and Employment 

Number of Applicants 1,028 

Number of Plans Developed 443 

Number of Entitlement Decisions 116 

Number of Veterans Rehabilitated through Independent Living 4 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 120 
E28 Annual Benefits Report FY 2007 Appendices 

Montana 

Compensation and Pension 

Estimated Veteran Population 100,230 

Disability Compensation Recipients 15,278 

Estimated Monthly Disability Compensation Costs $12,978,091 

Estimated Annual Disability Compensation Costs $155,737,092 

Disability Compensation by Age 34 and under 1,739 

Disability Compensation by Age 35-54 4,426 

Disability Compensation by Age 55-74 6,800 

Disability Compensation by Age 75-84 1,622 

Disability Compensation by Age 85 and over 691 

Disability Pension Recipients 1,680 

Estimated Monthly Disability Pension Costs $1,208,144 

Estimated Annual Disability Pension Costs $14,497,728 

Disability Pension by Age under 45 21 

Disability Pension by Age 45-54 196 

Disability Pension by Age 55-69 704 

Disability Pension by Age 70-84 538 

Disability Pension by Age 85 and over 221 

Education 

MGIB-AD Trainees 1,050

MGIB-SR Trainees 264

DEA Trainees 294

VEAP Trainees 2

REAP Trainees 263

Insurance 

Life Insurance Payments $7,163,447

Total Face Value of Insurance $67,584,270

Total Number of Policies 5,868

Loan Guaranty 

Number of Loans 787

Total Loan Amount $132,371,017

Vocational Rehabilitation and Employment 

Number of Applicants 413 

Number of Plans Developed 144 

Number of Entitlement Decisions 46 

Number of Veterans Rehabilitated through Independent Living 13 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 59 
Veterans Benefits Administration Making a difference E29Appendices 

Nebraska 

Compensation and Pension 

Estimated Veteran Population 153,834

Disability Compensation Recipients 28,669 

Estimated Monthly Disability Compensation Costs $21,573,969 

Estimated Annual Disability Compensation Costs $258,887,628 

Disability Compensation by Age 34 and under 2,152 

Disability Compensation by Age 35-54 7,415 

Disability Compensation by Age 55-74 12,368 

Disability Compensation by Age 75-84 5,016 

Disability Compensation by Age 85 and over 1,681 

Disability Pension Recipients 1,965 

Estimated Monthly Disability Pension Costs $1,510,334 

Estimated Annual Disability Pension Costs $18,124,008 

Disability Pension by Age under 45 39 

Disability Pension by Age 45-54 238 

Disability Pension by Age 55-69 727 

Disability Pension by Age 70-84 679 

Disability Pension by Age 85 and over 282 

Education 

MGIB-AD Trainees 3,046

MGIB-SR Trainees 644

DEA Trainees 772

VEAP Trainees 4

REAP Trainees 633

Insurance 

Life Insurance Payments $13,020,162

Total Face Value of Insurance 122,840,043

Total Number of Policies 10,415

Loan Guaranty 

Number of Loans 1,277

Total Loan Amount $203,594,891

Vocational Rehabilitation and Employment 

Number of Applicants 426 

Number of Plans Developed 193 

Number of Entitlement Decisions 95 

Number of Veterans Rehabilitated through Independent Living 4 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 99 
E30 Annual Benefits Report FY 2007 Appendices 

Nevada 

Compensation and Pension 

Estimated Veteran Population 244,295

Disability Compensation Recipients 27,751 

Estimated Monthly Disability Compensation Costs $21,856,203 

Estimated Annual Disability Compensation Costs $262,274,430 

Disability Compensation by Age 34 and under 2,434 

Disability Compensation by Age 35-54 8,617 

Disability Compensation by Age 55-74 12,527 

Disability Compensation by Age 75-84 3,096 

Disability Compensation by Age 85 and over 1,076 

Disability Pension Recipients 2,990 

Estimated Monthly Disability Pension Costs $2,076,920 

Estimated Annual Disability Pension Costs $24,923,040 

Disability Pension by Age under 45 38 

Disability Pension by Age 45-54 359 

Disability Pension by Age 55-69 1,353 

Disability Pension by Age 70-84 942 

Disability Pension by Age 85 and over 298 

Education 

MGIB-AD Trainees 2,856

MGIB-SR Trainees 313

DEA Trainees 523

VEAP Trainees 2

REAP Trainees 165

Insurance 

Life Insurance Payments $11,848,963

Total Face Value of Insurance $111,790,248

Total Number of Policies 10,413

Loan Guaranty 

Number of Loans 1,111

Total Loan Amount $285,198,666

Vocational Rehabilitation and Employment 

Number of Applicants 509 

Number of Plans Developed 204 

Number of Entitlement Decisions 69 

Number of Veterans Rehabilitated through Independent Living 12 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 81 
Veterans Benefits Administration Making a difference E31Appendices 

New Hampshire 

Compensation and Pension 

Estimated Veteran Population 127,434

Disability Compensation Recipients 14,869 

Estimated Monthly Disability Compensation Costs $11,283,006 

Estimated Annual Disability Compensation Costs $135,396,072 

Disability Compensation by Age 34 and under 1,091 

Disability Compensation by Age 35-54 4,180 

Disability Compensation by Age 55-74 6,678 

Disability Compensation by Age 75-84 2,139 

Disability Compensation by Age 85 and over 781 

Disability Pension Recipients 1,003 

Estimated Monthly Disability Pension Costs $778,090 

Estimated Annual Disability Pension Costs $9,337,080 

Disability Pension by Age under 45 6 

Disability Pension by Age 45-54 82 

Disability Pension by Age 55-69 303 

Disability Pension by Age 70-84 397 

Disability Pension by Age 85 and over 215 

Education 

MGIB-AD Trainees 750

MGIB-SR Trainees 172

DEA Trainees 258

VEAP Trainees 2

REAP Trainees 121

Insurance 

Life Insurance Payments $9,273,697

Total Face Value of Insurance $87,493,641

Total Number of Policies 8,033

Loan Guaranty 

Number of Loans 322

Total Loan Amount $75,833,940

Vocational Rehabilitation and Employment 

Number of Applicants 222 

Number of Plans Developed 99 

Number of Entitlement Decisions 45 

Number of Veterans Rehabilitated through Independent Living 2 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 47 
E32 Annual Benefits Report FY 2007 Appendices 

New Jersey 

Compensation and Pension 

Estimated Veteran Population 545,345

Disability Compensation Recipients 48,237 

Estimated Monthly Disability Compensation Costs $37,129,594 

Estimated Annual Disability Compensation Costs $445,555,128 

Disability Compensation by Age 34 and under 3,041 

Disability Compensation by Age 35-54 9,610 

Disability Compensation by Age 55-74 20,269 

Disability Compensation by Age 75-84 9,992 

Disability Compensation by Age 85 and over 5,306 

Disability Pension Recipients 3,100 

Estimated Monthly Disability Pension Costs $2,198,889 

Estimated Annual Disability Pension Costs $26,386,668 

Disability Pension by Age under 45 32 

Disability Pension by Age 45-54 285 

Disability Pension by Age 55-69 1,075 

Disability Pension by Age 70-84 1,183 

Disability Pension by Age 85 and over 525 

Education 

MGIB-AD Trainees 3,566

MGIB-SR Trainees 923

DEA Trainees 791

VEAP Trainees 9

REAP Trainees 615

Insurance 

Life Insurance Payments $58,839,925

Total Face Value of Insurance $555,131,259

Total Number of Policies 49,123

Loan Guaranty 

Number of Loans 931

Total Loan Amount $231,970,876

Vocational Rehabilitation and Employment 

Number of Applicants 620 

Number of Plans Developed 276 

Number of Entitlement Decisions 80 

Number of Veterans Rehabilitated through Independent Living 47 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 127 
Veterans Benefits Administration Making a difference E33Appendices 

New Mexico 

Compensation and Pension 

Estimated Veteran Population 175,923

Disability Compensation Recipients 27,873 

Estimated Monthly Disability Compensation Costs $30,973,671 

Estimated Annual Disability Compensation Costs $371,684,052 

Disability Compensation by Age 34 and under 1,878 

Disability Compensation by Age 35-54 7,735 

Disability Compensation by Age 55-74 13,439 

Disability Compensation by Age 75-84 3,343 

Disability Compensation by Age 85 and over 1,478 

Disability Pension Recipients 2,836 

Estimated Monthly Disability Pension Costs $1,974,172 

Estimated Annual Disability Pension Costs $23,690,064 

Disability Pension by Age under 45 57 

Disability Pension by Age 45-54 312 

Disability Pension by Age 55-69 1,168 

Disability Pension by Age 70-84 908 

Disability Pension by Age 85 and over 391 

Education 

MGIB-AD Trainees 2,782

MGIB-SR Trainees 398

DEA Trainees 1,372

VEAP Trainees 5

REAP Trainees 208

Insurance 

Life Insurance Payments $13,481,699

Total Face Value of Insurance $127,194,461

Total Number of Policies 11,243

Loan Guaranty 

Number of Loans 1,942

Total Loan Amount $352,935,925

Vocational Rehabilitation and Employment 

Number of Applicants 689 

Number of Plans Developed 323 

Number of Entitlement Decisions 72 

Number of Veterans Rehabilitated through Independent Living 206 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 278 
E34 Annual Benefits Report FY 2007 Appendices 

New York 

Compensation and Pension 

Estimated Veteran Population 1,094,391

Disability Compensation Recipients 104,650 

Estimated Monthly Disability Compensation Costs $80,424,355 

Estimated Annual Disability Compensation Costs $965,092,254 

Disability Compensation by Age 34 and under 8,277 

Disability Compensation by Age 35-54 22,958 

Disability Compensation by Age 55-74 44,830 

Disability Compensation by Age 75-84 18,342 

Disability Compensation by Age 85 and over 10,235 

Disability Pension Recipients 14,867 

Estimated Monthly Disability Pension Costs $9,542,222 

Estimated Annual Disability Pension Costs $114,506,664 

Disability Pension by Age under 45 228 

Disability Pension by Age 45-54 1,632 

Disability Pension by Age 55-69 5,473 

Disability Pension by Age 70-84 5,246 

Disability Pension by Age 85 and over 2,288 

Education 

MGIB-AD Trainees 9,446

MGIB-SR Trainees 2,024

DEA Trainees 2,430

VEAP Trainees 25

REAP Trainees 1,276

Insurance 

Life Insurance Payments $110,992,269

Total Face Value of Insurance $1,047,167,855

Total Number of Policies 92,087

Loan Guaranty 

Number of Loans 1,899

Total Loan Amount $276,884,350

Vocational Rehabilitation and Employment 

Number of Applicants 2,126 

Number of Plans Developed 909 

Number of Entitlement Decisions 172 

Number of Veterans Rehabilitated through Independent Living 191 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 363 
Veterans Benefits Administration Making a difference E35Appendices 

North Carolina 

Compensation and Pension 

Estimated Veteran Population 756,216 

Disability Compensation Recipients 111,174 

Estimated Monthly Disability Compensation Costs $97,781,405 

Estimated Annual Disability Compensation Costs $1,173,376,856 

Disability Compensation by Age 34 and under 10,061 

Disability Compensation by Age 35-54 40,704 

Disability Compensation by Age 55-74 46,654 

Disability Compensation by Age 75-84 10,275 

Disability Compensation by Age 85 and over 3,479 

Disability Pension Recipients 9,800 

Estimated Monthly Disability Pension Costs $6,118,753 

Estimated Annual Disability Pension Costs $73,425,036 

Disability Pension by Age under 45 125 

Disability Pension by Age 45-54 973 

Disability Pension by Age 55-69 3,190 

Disability Pension by Age 70-84 3,722 

Disability Pension by Age 85 and over 1,790 

Education 

MGIB-AD Trainees 10,447

MGIB-SR Trainees 1,222

DEA Trainees 3,865

VEAP Trainees 14

REAP Trainees 1,004

Insurance 

Life Insurance Payments $47,172,704

Total Face Value of Insurance $445,055,680

Total Number of Policies 38,013

Loan Guaranty 

Number of Loans 10,699

Total Loan Amount $1,778,239,936

Vocational Rehabilitation and Employment 

Number of Applicants 2,279 

Number of Plans Developed 470 

Number of Entitlement Decisions 238 

Number of Veterans Rehabilitated through Independent Living 18 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 256 
E36 Annual Benefits Report FY 2007 Appendices 

North Dakota 

Compensation and Pension 

Estimated Veteran Population 53,048

Disability Compensation Recipients 8,400 

Estimated Monthly Disability Compensation Costs $6,215,099 

Estimated Annual Disability Compensation Costs $74,581,188 

Disability Compensation by Age 34 and under 841 

Disability Compensation by Age 35-54 2,420 

Disability Compensation by Age 55-74 3,604 

Disability Compensation by Age 75-84 1,028 

Disability Compensation by Age 85 and over 507 

Disability Pension Recipients 970 

Estimated Monthly Disability Pension Costs $615,874 

Estimated Annual Disability Pension Costs $7,390,488 

Disability Pension by Age under 45 6 

Disability Pension by Age 45-54 86 

Disability Pension by Age 55-69 312 

Disability Pension by Age 70-84 381 

Disability Pension by Age 85 and over 185 

Education 

MGIB-AD Trainees 721

MGIB-SR Trainees 564

DEA Trainees 262

VEAP Trainees 2

REAP Trainees 370

Insurance 

Life Insurance Payments $4,448,870

Total Face Value of Insurance $41,973,318

Total Number of Policies 3,810

Loan Guaranty 

Number of Loans 510

Total Loan Amount $67,729,756

Vocational Rehabilitation and Employment 

Number of Applicants 248 

Number of Plans Developed 129 

Number of Entitlement Decisions 74 

Number of Veterans Rehabilitated through Independent Living 20 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 94 
Veterans Benefits Administration Making a difference E37Appendices 

Ohio 

Compensation and Pension 

Estimated Veteran Population 1,012,466

Disability Compensation Recipients 87,509 

Estimated Monthly Disability Compensation Costs $62,334,129 

Estimated Annual Disability Compensation Costs $748,009,542 

Disability Compensation by Age 34 and under 6,980 

Disability Compensation by Age 35-54 25,206 

Disability Compensation by Age 55-74 37,361 

Disability Compensation by Age 75-84 12,154 

Disability Compensation by Age 85 and over 5,805 

Disability Pension Recipients 15,161 

Estimated Monthly Disability Pension Costs $11,606,507 

Estimated Annual Disability Pension Costs $139,278,084 

Disability Pension by Age under 45 308 

Disability Pension by Age 45-54 2,253 

Disability Pension by Age 55-69 7,127 

Disability Pension by Age 70-84 3,971 

Disability Pension by Age 85 and over 1,502 

Education 

MGIB-AD Trainees 7,906

MGIB-SR Trainees 2,779

DEA Trainees 1,746

VEAP Trainees 21

REAP Trainees 1,697

Insurance 

Life Insurance Payments $63,004,665

Total Face Value of Insurance $594,423,923

Total Number of Policies 54,127

Loan Guaranty 

Number of Loans 3,411

Total Loan Amount $528,320,420

Vocational Rehabilitation and Employment 

Number of Applicants 1,631 

Number of Plans Developed 600 

Number of Entitlement Decisions 169 

Number of Veterans Rehabilitated through Independent Living 26 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 195 
E38 Annual Benefits Report FY 2007 Appendices 

Oklahoma 

Compensation and Pension 

Estimated Veteran Population 346,707

Disability Compensation Recipients 56,323 

Estimated Monthly Disability Compensation Costs $59,702,317 

Estimated Annual Disability Compensation Costs $716,427,804 

Disability Compensation by Age 34 and under 4,711 

Disability Compensation by Age 35-54 15,623 

Disability Compensation by Age 55-74 26,664 

Disability Compensation by Age 75-84 6,866 

Disability Compensation by Age 85 and over 2,455 

Disability Pension Recipients 7,325 

Estimated Monthly Disability Pension Costs $6,407,336 

Estimated Annual Disability Pension Costs $76,888,032 

Disability Pension by Age under 45 115 

Disability Pension by Age 45-54 866 

Disability Pension by Age 55-69 3,098 

Disability Pension by Age 70-84 2,367 

Disability Pension by Age 85 and over 879 

Education 

MGIB-AD Trainees 4,995

MGIB-SR Trainees 1,528

DEA Trainees 2,285

VEAP Trainees 7

REAP Trainees 801

Insurance 

Life Insurance Payments $20,272,378

Total Face Value of Insurance $191,261,812

Total Number of Policies 17,367

Loan Guaranty 

Number of Loans 3,399

Total Loan Amount $473,305,983

Vocational Rehabilitation and Employment 

Number of Applicants 1,474 

Number of Plans Developed 468 

Number of Entitlement Decisions 232 

Number of Veterans Rehabilitated through Independent Living 25 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 257 
Veterans Benefits Administration Making a difference E39Appendices 

Oregon 

Compensation and Pension 

Estimated Veteran Population 357,319

Disability Compensation Recipients 42,552 

Estimated Monthly Disability Compensation Costs $41,539,299 

Estimated Annual Disability Compensation Costs $498,471,588 

Disability Compensation by Age 34 and under 4,225 

Disability Compensation by Age 35-54 11,561 

Disability Compensation by Age 55-74 19,332 

Disability Compensation by Age 75-84 5,082 

Disability Compensation by Age 85 and over 2,350 

Disability Pension Recipients 5,809 

Estimated Monthly Disability Pension Costs $4,573,363 

Estimated Annual Disability Pension Costs $54,880,356 

Disability Pension by Age under 45 78 

Disability Pension by Age 45-54 808 

Disability Pension by Age 55-69 2,609 

Disability Pension by Age 70-84 1,644 

Disability Pension by Age 85 and over 670 

Education 

MGIB-AD Trainees 3,558

MGIB-SR Trainees 711

DEA Trainees 1,131

VEAP Trainees 8

REAP Trainees 405

Insurance 

Life Insurance Payments $22,509,024

Total Face Value of Insurance $212,363,680

Total Number of Policies 18,986

Loan Guaranty 

Number of Loans 1,394

Total Loan Amount $295,137,074

Vocational Rehabilitation and Employment 

Number of Applicants 1,424 

Number of Plans Developed 760 

Number of Entitlement Decisions 213 

Number of Veterans Rehabilitated through Independent Living 26 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 239 
E40 Annual Benefits Report FY 2007 Appendices 

Pennsylvania 

Compensation and Pension 

Estimated Veteran Population 1,088,220 

Disability Compensation Recipients 93,045 

Estimated Monthly Disability Compensation Costs $71,277,649 

Estimated Annual Disability Compensation Costs $855,331,783 

Disability Compensation by Age 34 and under 6,886 

Disability Compensation by Age 35-54 22,486 

Disability Compensation by Age 55-74 39,815 

Disability Compensation by Age 75-84 15,733 

Disability Compensation by Age 85 and over 8,120 

Disability Pension Recipients 14,436 

Estimated Monthly Disability Pension Costs $11,248,601 

Estimated Annual Disability Pension Costs $134,983,212 

Disability Pension by Age under 45 212 

Disability Pension by Age 45-54 1,432 

Disability Pension by Age 55-69 5,250 

Disability Pension by Age 70-84 4,983 

Disability Pension by Age 85 and over 2,559 

Education 

MGIB-AD Trainees 7,895

MGIB-SR Trainees 2,628

DEA Trainees 2,068

VEAP Trainees 21

REAP Trainees 1,866

Insurance 

Life Insurance Payments $89,178,922

Total Face Value of Insurance $841,367,612

Total Number of Policies 78,929

Loan Guaranty 

Number of Loans 2,738

Total Loan Amount $465,799,500

Vocational Rehabilitation and Employment 

Number of Applicants 1,832 

Number of Plans Developed 686 

Number of Entitlement Decisions 222 

Number of Veterans Rehabilitated through Independent Living 61 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 283 
Veterans Benefits Administration Making a difference E41Appendices 

Rhode Island 

Compensation and Pension 

Estimated Veteran Population 86,327

Disability Compensation Recipients 9,728 

Estimated Monthly Disability Compensation Costs $8,168,050 

Estimated Annual Disability Compensation Costs $98,016,600 

Disability Compensation by Age 34 and under 588 

Disability Compensation by Age 35-54 2,249 

Disability Compensation by Age 55-74 4,014 

Disability Compensation by Age 75-84 1,838 

Disability Compensation by Age 85 and over 1,037 

Disability Pension Recipients 981 

Estimated Monthly Disability Pension Costs $727,235 

Estimated Annual Disability Pension Costs $8,726,820 

Disability Pension by Age under 45 8 

Disability Pension by Age 45-54 98 

Disability Pension by Age 55-69 353 

Disability Pension by Age 70-84 346 

Disability Pension by Age 85 and over 176 

Education 

MGIB-AD Trainees 648

MGIB-SR Trainees 197

DEA Trainees 252

VEAP Trainees 3

REAP Trainees 120

Insurance 

Life Insurance Payments $7,087,596

Total Face Value of Insurance $66,868,644

Total Number of Policies 6,591

Loan Guaranty 

Number of Loans 87

Total Loan Amount $22,868,226

Vocational Rehabilitation and Employment 

Number of Applicants 210 

Number of Plans Developed 81 

Number of Entitlement Decisions 42 

Number of Veterans Rehabilitated through Independent Living 32 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 74 
E42 Annual Benefits Report FY 2007 Appendices 

South Carolina 

Compensation and Pension 

Estimated Veteran Population 410,084

Disability Compensation Recipients 56,171 

Estimated Monthly Disability Compensation Costs $49,622,618 

Estimated Annual Disability Compensation Costs $595,471,416 

Disability Compensation by Age 34 and under 4,670 

Disability Compensation by Age 35-54 19,202 

Disability Compensation by Age 55-74 25,230 

Disability Compensation by Age 75-84 5,334 

Disability Compensation by Age 85 and over 1,732 

Disability Pension Recipients 7,229 

Estimated Monthly Disability Pension Costs $5,462,578 

Estimated Annual Disability Pension Costs $65,550,936 

Disability Pension by Age under 45 93 

Disability Pension by Age 45-54 629 

Disability Pension by Age 55-69 2,408 

Disability Pension by Age 70-84 2,750 

Disability Pension by Age 85 and over 1,349 

Education 

MGIB-AD Trainees 4,330

MGIB-SR Trainees 1,144

DEA Trainees 1,703

VEAP Trainees 8

REAP Trainees 655

Insurance 

Life Insurance Payments $25,720,865

Total Face Value of Insurance $242,666,116

Total Number of Policies 21,547

Loan Guaranty 

Number of Loans 3,147

Total Loan Amount $555,995,811

Vocational Rehabilitation and Employment 

Number of Applicants 1,490 

Number of Plans Developed 568 

Number of Entitlement Decisions 220 

Number of Veterans Rehabilitated through Independent Living 20 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 240 
Veterans Benefits Administration Making a difference E43Appendices 

South Dakota 

Compensation and Pension 

Estimated Veteran Population 70,981

Disability Compensation Recipients 11,013 

Estimated Monthly Disability Compensation Costs $9,159,330 

Estimated Annual Disability Compensation Costs $109,911,960 

Disability Compensation by Age 34 and under 1,135 

Disability Compensation by Age 35-54 3,402 

Disability Compensation by Age 55-74 4,748 

Disability Compensation by Age 75-84 1,206 

Disability Compensation by Age 85 and over 518 

Disability Pension Recipients 1,664 

Estimated Monthly Disability Pension Costs $1,136,908 

Estimated Annual Disability Pension Costs $13,642,896 

Disability Pension by Age under 45 22 

Disability Pension by Age 45-54 152 

Disability Pension by Age 55-69 518 

Disability Pension by Age 70-84 700 

Disability Pension by Age 85 and over 272 

Education 

MGIB-AD Trainees 796

MGIB-SR Trainees 605

DEA Trainees 296

VEAP Trainees 2

REAP Trainees 411

Insurance 

Life Insurance Payments $5,778,290

Total Face Value of Insurance $54,515,860

Total Number of Policies 4,813

Loan Guaranty 

Number of Loans 620

Total Loan Amount $97,208,094

Vocational Rehabilitation and Employment 

Number of Applicants 346 

Number of Plans Developed 234 

Number of Entitlement Decisions 93 

Number of Veterans Rehabilitated through Independent Living 52 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 145 
E44 Annual Benefits Report FY 2007 Appendices 

Tennessee 

Compensation and Pension 

Estimated Veteran Population 532,105

Disability Compensation Recipients 65,216 

Estimated Monthly Disability Compensation Costs $54,119,599 

Estimated Annual Disability Compensation Costs $649,435,188 

Disability Compensation by Age 34 and under 5,489 

Disability Compensation by Age 35-54 22,203 

Disability Compensation by Age 55-74 28,600 

Disability Compensation by Age 75-84 6,473 

Disability Compensation by Age 85 and over 2,449 

Disability Pension Recipients 9,268 

Estimated Monthly Disability Pension Costs $6,460,284 

Estimated Annual Disability Pension Costs $77,523,408 

Disability Pension by Age under 45 106 

Disability Pension by Age 45-54 995 

Disability Pension by Age 55-69 3,518 

Disability Pension by Age 70-84 3,219 

Disability Pension by Age 85 and over 1,430 

Education 

MGIB-AD Trainees 4,830

MGIB-SR Trainees 1,158

DEA Trainees 1,634

VEAP Trainees 9

REAP Trainees 810

Insurance 

Life Insurance Payments $26,982,169

Total Face Value of Insurance $254,566,015

Total Number of Policies 22,220

Loan Guaranty 

Number of Loans 5,231

Total Loan Amount $797,351,110

Vocational Rehabilitation and Employment 

Number of Applicants 1,423 

Number of Plans Developed 522 

Number of Entitlement Decisions 254 

Number of Veterans Rehabilitated through Independent Living 30 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 284 
Veterans Benefits Administration Making a difference E45Appendices 

Texas 

Compensation and Pension 

Estimated Veteran Population 1,652,214

Disability Compensation Recipients 247,472 

Estimated Monthly Disability Compensation Costs $217,536,729 

Estimated Annual Disability Compensation Costs $2,610,440,742 

Disability Compensation by Age 34 and under 25,409 

Disability Compensation by Age 35-54 79,695 

Disability Compensation by Age 55-74 106,211 

Disability Compensation by Age 75-84 26,064 

Disability Compensation by Age 85 and over 10,090 

Disability Pension Recipients 26,336 

Estimated Monthly Disability Pension Costs $19,425,985 

Estimated Annual Disability Pension Costs $233,111,820 

Disability Pension by Age under 45 538 

Disability Pension by Age 45-54 3,411 

Disability Pension by Age 55-69 10,680 

Disability Pension by Age 70-84 8,198 

Disability Pension by Age 85 and over 3,509 

Education 

MGIB-AD Trainees 29,504

MGIB-SR Trainees 3,038

DEA Trainees 7,365

VEAP Trainees 33

REAP Trainees 2,233

Insurance 

Life Insurance Payments $102,741,867

Total Face Value of Insurance $969,328,602

Total Number of Policies 84,748

Loan Guaranty 

Number of Loans 18,234

Total Loan Amount $2,894,052,089

Vocational Rehabilitation and Employment 

Number of Applicants 7,270 

Number of Plans Developed 3,313 

Number of Entitlement Decisions 953 

Number of Veterans Rehabilitated through Independent Living 138 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 1,091 
E46 Annual Benefits Report FY 2007 Appendices 

Utah 

Compensation and Pension 

Estimated Veteran Population 146,738

Disability Compensation Recipients 16,543 

Estimated Monthly Disability Compensation Costs $12,681,042 

Estimated Annual Disability Compensation Costs $152,172,504 

Disability Compensation by Age 34 and under 1,852 

Disability Compensation by Age 35-54 5,141 

Disability Compensation by Age 55-74 6,646 

Disability Compensation by Age 75-84 2,013 

Disability Compensation by Age 85 and over 891 

Disability Pension Recipients 1,288 

Estimated Monthly Disability Pension Costs $920,588 

Estimated Annual Disability Pension Costs $11,047,056 

Disability Pension by Age under 45 29 

Disability Pension by Age 45-54 165 

Disability Pension by Age 55-69 494 

Disability Pension by Age 70-84 424 

Disability Pension by Age 85 and over 176 

Education 

MGIB-AD Trainees 2,670

MGIB-SR Trainees 1,092

DEA Trainees 632

VEAP Trainees 3

REAP Trainees 710

Insurance 

Life Insurance Payments $10,952,730

Total Face Value of Insurance $103,334,645

Total Number of Policies 9,403

Loan Guaranty 

Number of Loans 1,251

Total Loan Amount $255,354,022

Vocational Rehabilitation and Employment 

Number of Applicants 549 

Number of Plans Developed 275 

Number of Entitlement Decisions 95 

Number of Veterans Rehabilitated through Independent Living 24 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 119 
Veterans Benefits Administration Making a difference E47Appendices 

Vermont

Compensation and Pension 

Estimated Veteran Population 55,670

Disability Compensation Recipients 5,863 

Estimated Monthly Disability Compensation Costs $5,030,378 

Estimated Annual Disability Compensation Costs $60,364,536 

Disability Compensation by Age 34 and under 422 

Disability Compensation by Age 35-54 1,683 

Disability Compensation by Age 55-74 2,600 

Disability Compensation by Age 75-84 781 

Disability Compensation by Age 85 and over 375 

Disability Pension Recipients 528 

Estimated Monthly Disability Pension Costs $307,192 

Estimated Annual Disability Pension Costs $3,686,304 

Disability Pension by Age under 45 5 

Disability Pension by Age 45-54 53 

Disability Pension by Age 55-69 225 

Disability Pension by Age 70-84 190 

Disability Pension by Age 85 and over 55 

Education 

MGIB-AD Trainees 492

MGIB-SR Trainees 137

DEA Trainees 120

VEAP Trainees 1

REAP Trainees 100

Insurance 

Life Insurance Payments $3,945,371

Total Face Value of Insurance $37,223,001

Total Number of Policies 3,353

Loan Guaranty 

Number of Loans 94

Total Loan Amount $19,332,824

Vocational Rehabilitation and Employment 

Number of Applicants 107 

Number of Plans Developed 33 

Number of Entitlement Decisions 7 

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 7 
E48 Annual Benefits Report FY 2007 Appendices 

Virginia 

Compensation and Pension 

Estimated Veteran Population 737,600

Disability Compensation Recipients 111,760 

Estimated Monthly Disability Compensation Costs $80,184,582 

Estimated Annual Disability Compensation Costs $962,214,984 

Disability Compensation by Age 34 and under 9,503 

Disability Compensation by Age 35-54 47,124 

Disability Compensation by Age 55-74 42,629 

Disability Compensation by Age 75-84 9,141 

Disability Compensation by Age 85 and over 3,353 

Disability Pension Recipients 5,885 

Estimated Monthly Disability Pension Costs $3,748,855 

Estimated Annual Disability Pension Costs $44,986,260 

Disability Pension by Age under 45 66 

Disability Pension by Age 45-54 679 

Disability Pension by Age 55-69 2,135 

Disability Pension by Age 70-84 2,160 

Disability Pension by Age 85 and over 845 

Education 

MGIB-AD Trainees 15,825

MGIB-SR Trainees 1,350

DEA Trainees 2,461

VEAP Trainees 19

REAP Trainees 1,021

Insurance 

Life Insurance Payments $50,500,727

Total Face Value of Insurance $476,454,244

Total Number of Policies 39,623

Loan Guaranty 

Number of Loans 8,431

Total Loan Amount $2,042,560,229

Vocational Rehabilitation and Employment 

Number of Applicants 2,350 

Number of Plans Developed 484 

Number of Entitlement Decisions 299 

Number of Veterans Rehabilitated through Independent Living 5 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 304 
Veterans Benefits Administration Making a difference E49Appendices 

Washington 

Compensation and Pension 

Estimated Veteran Population 617,723 

Disability Compensation Recipients 88,825 

Estimated Monthly Disability Compensation Costs $72,916,592 

Estimated Annual Disability Compensation Costs $874,999,098 

Disability Compensation by Age 34 and under 8,490 

Disability Compensation by Age 35-54 31,994 

Disability Compensation by Age 55-74 36,739 

Disability Compensation by Age 75-84 8,175 

Disability Compensation by Age 85 and over 3,426 

Disability Pension Recipients 5,142 

Estimated Monthly Disability Pension Costs $3,775,231 

Estimated Annual Disability Pension Costs $45,302,772 

Disability Pension by Age under 45 114 

Disability Pension by Age 45-54 749 

Disability Pension by Age 55-69 2,356 

Disability Pension by Age 70-84 1,397 

Disability Pension by Age 85 and over 526 

Education 

MGIB-AD Trainees 8,433

MGIB-SR Trainees 1,006

DEA Trainees 2,001

VEAP Trainees 15

REAP Trainees 753

Insurance 

Life Insurance Payments $38,628,683

Total Face Value of Insurance $364,446,240

Total Number of Policies 32,379

Loan Guaranty 

Number of Loans 5,029

Total Loan Amount $1,197,996,743

Vocational Rehabilitation and Employment 

Number of Applicants 2,549 

Number of Plans Developed 719 

Number of Entitlement Decisions 326 

Number of Veterans Rehabilitated through Independent Living 37 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 363 
E50 Annual Benefits Report FY 2007 Appendices 

West Virginia 

Compensation and Pension 

Estimated Veteran Population 182,285

Disability Compensation Recipients 23,617 

Estimated Monthly Disability Compensation Costs $24,719,721 

Estimated Annual Disability Compensation Costs $296,636,652 

Disability Compensation by Age 34 and under 1,832 

Disability Compensation by Age 35-54 5,878 

Disability Compensation by Age 55-74 11,899 

Disability Compensation by Age 75-84 2,875 

Disability Compensation by Age 85 and over 1,129 

Disability Pension Recipients 4,160 

Estimated Monthly Disability Pension Costs $2,969,660 

Estimated Annual Disability Pension Costs $35,635,920 

Disability Pension by Age under 45 59 

Disability Pension by Age 45-54 479 

Disability Pension by Age 55-69 1,814 

Disability Pension by Age 70-84 1,365 

Disability Pension by Age 85 and over 443 

Education 

MGIB-AD Trainees 3,988

MGIB-SR Trainees 834

DEA Trainees 739

VEAP Trainees 2

REAP Trainees 802

Insurance 

Life Insurance Payments $9,867,615

Total Face Value of Insurance $93,097,019

Total Number of Policies 8,458

Loan Guaranty 

Number of Loans 508

Total Loan Amount $88,097,967

Vocational Rehabilitation and Employment 

Number of Applicants 494 

Number of Plans Developed 246 

Number of Entitlement Decisions 77 

Number of Veterans Rehabilitated through Independent Living 11 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 88 
Veterans Benefits Administration Making a difference E51Appendices 

Wisconsin 

Compensation and Pension 

Estimated Veteran Population 457,450

Disability Compensation Recipients 48,206 

Estimated Monthly Disability Compensation Costs $39,102,442 

Estimated Annual Disability Compensation Costs $469,229,304 

Disability Compensation by Age 34 and under 4,815 

Disability Compensation by Age 35-54 13,436 

Disability Compensation by Age 55-74 20,555 

Disability Compensation by Age 75-84 6,510 

Disability Compensation by Age 85 and over 2,889 

Disability Pension Recipients 5,580 

Estimated Monthly Disability Pension Costs $4,115,703 

Estimated Annual Disability Pension Costs $49,388,436 

Disability Pension by Age under 45 81 

Disability Pension by Age 45-54 693 

Disability Pension by Age 55-69 2,093 

Disability Pension by Age 70-84 1,822 

Disability Pension by Age 85 and over 891 

Education 

MGIB-AD Trainees 3,782

MGIB-SR Trainees 1,426

DEA Trainees 1,223

VEAP Trainees 10

REAP Trainees 1,392

Insurance 

Life Insurance Payments $37,621,578

Total Face Value of Insurance $354,944,607

Total Number of Policies 32,007

Loan Guaranty 

Number of Loans 1,145

Total Loan Amount $191,584,994

Vocational Rehabilitation and Employment 

Number of Applicants 1,125 

Number of Plans Developed 306 

Number of Entitlement Decisions 138 

Number of Veterans Rehabilitated through Independent Living 34 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 172 
E52 Annual Benefits Report FY 2007 Appendices 

Wyoming 

Compensation and Pension 

Estimated Veteran Population 53,711

Disability Compensation Recipients 6,820 

Estimated Monthly Disability Compensation Costs $5,144,987 

Estimated Annual Disability Compensation Costs $61,739,844 

Disability Compensation by Age 34 and under 659 

Disability Compensation by Age 35-54 2,243 

Disability Compensation by Age 55-74 2,981 

Disability Compensation by Age 75-84 677 

Disability Compensation by Age 85 and over 258 

Disability Pension Recipients 554 

Estimated Monthly Disability Pension Costs $380,295 

Estimated Annual Disability Pension Costs $4,563,540 

Disability Pension by Age under 45 13 

Disability Pension by Age 45-54 68 

Disability Pension by Age 55-69 234 

Disability Pension by Age 70-84 170 

Disability Pension by Age 85 and over 69 

Education 

MGIB-AD Trainees 625

MGIB-SR Trainees 195

DEA Trainees 139

VEAP Trainees 1

REAP Trainees 104

Insurance 

Life Insurance Payments $3,257,006

Total Face Value of Insurance $30,728,556

Total Number of Policies 2,525

Loan Guaranty 

Number of Loans 608

Total Loan Amount $114,133,057

Vocational Rehabilitation and Employment 

*VR&E numbers are included in Colorado data.
Veterans Benefits Administration Making a difference E53Appendices 

Puerto Rico

Compensation and Pension 

Estimated Veteran Population 125,194

Disability Compensation Recipients 20,773 

Estimated Monthly Disability Compensation Costs $23,564,947 

Estimated Annual Disability Compensation Costs $282,779,364 

Disability Compensation by Age 34 and under 1,214 

Disability Compensation by Age 35-54 6,106 

Disability Compensation by Age 55-74 9,571 

Disability Compensation by Age 75-84 3,102 

Disability Compensation by Age 85 and over 779 

Disability Pension Recipients 12,505 

Estimated Monthly Disability Pension Costs $7,750,400 

Estimated Annual Disability Pension Costs $93,004,800 

Disability Pension by Age under 45 31 

Disability Pension by Age 45-54 280 

Disability Pension by Age 55-69 1,832 

Disability Pension by Age 70-84 8,041 

Disability Pension by Age 85 and over 2,321 

Education 

MGIB-AD Trainees 920

MGIB-SR Trainees 1,000

DEA Trainees 1,646

VEAP Trainees 4

REAP Trainees 722

Insurance 

Life Insurance Payments $4,141,922

Total Face Value of Insurance $39,077,385

Total Number of Policies 4,073

Loan Guaranty 

Number of Loans 397

Total Loan Amount $66,623,869

Vocational Rehabilitation and Employment 

Number of Applicants 576 

Number of Plans Developed 137 

Number of Entitlement Decisions 54 

Number of Veterans Rehabilitated through Independent Living 2 

Number of Veterans Rehabilitated by Obtaining Suitable Employment 56 
E54 Annual Benefits Report FY 2007 Appendices 

Philippines 

Compensation and Pension 

Disability Compensation Recipients 4,982 

Estimated Monthly Disability Compensation Costs $5,762,680 

Estimated Annual Disability Compensation Costs $69,152,160 

Disability Compensation by Age 34 and under 58 

Disability Compensation by Age 35-54 660 

Disability Compensation by Age 55-74 1,414 

Disability Compensation by Age 75-84 857 

Disability Compensation by Age 85 and over 1,993 

Disability Pension Recipients 734 

Estimated Monthly Disability Pension Costs $847,520 

Estimated Annual Disability Pension Costs $10,170,240 

Disability Pension by Age under 45 7 

Disability Pension by Age 45-54 26 

Disability Pension by Age 55-69 328 

Disability Pension by Age 70-84 151 

Disability Pension by Age 85 and over 222 

Education 

MGIB-AD Trainees 319

MGIB-SR Trainees 1

DEA Trainees 8

VEAP Trainees 0

REAP Trainees 0

Insurance 

Life Insurance Payments $535,683

Total Face Value of Insurance $5,053,960

Total Number of Policies 487

Vocational Rehabilitation and Employment 

Number of Applicants 94 

Number of Plans Developed 67 

Number of Entitlement Decisions 11 

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 11 
Veterans Benefits Administration Making a difference E55Appendices 

Other Foreign 

Compensation and Pension 

Estimated Veteran Population 122,625

Disability Compensation Recipients 10,326 

Estimated Monthly Disability Compensation Costs $7,073,336 

Estimated Annual Disability Compensation Costs $84,880,032 

Disability Compensation by Age 34 and under 1,005 

Disability Compensation by Age 35-54 5,178 

Disability Compensation by Age 55-74 3,791 

Disability Compensation by Age 75-84 308 

Disability Compensation by Age 85 and over 44 

Disability Pension Recipients 829 

Estimated Monthly Disability Pension Costs $644,427 

Estimated Annual Disability Pension Costs $7,733,124 

Disability Pension by Age under 45 5 

Disability Pension by Age 45-54 28 

Disability Pension by Age 55-69 195 

Disability Pension by Age 70-84 315 

Disability Pension by Age 85 and over 151 

Education 

MGIB-AD Trainees 20,531

MGIB-SR Trainees 3,255

DEA Trainees 278

VEAP Trainees 47

REAP Trainees 1,746

Insurance 

Life Insurance Payments $5,222,973 

Total Face Value of Insurance $49,276,667 

Total Number of Policies 3,813

Loan Guaranty 

Number of Loans 131

Total Loan Amount $30,826,750

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 

in Fiscal Year 2007 6

Summary of Active Compensation and Pension Benefit Accounts 

at the End of Fiscal Year 2007 6

Veterans Who Began Receiving Disability Compensation by Combined Degree 

During Fiscal Year 2007 7

Five Year Comparison of Combined Degree of Service-Connected Disabilities 

for Veterans Who Began Receiving Compensation 7

Most Prevalent Service-Connected Disabilities for Veterans Who Began Receiving 

Compensation During Fiscal Year 2007 8–9

Total Number of Service-Connected Disability Benefits by Combined Percent of 

Disability for Veterans Receiving Compensation — End of Fiscal Year 2007 8

Five Year Comparison of Service-Connected Disabilities by Body System 

for Veterans Who Began Receiving Compensation — by Fiscal Year 9

Total Number of Veterans with Service-Connected Disabilities Receiving Compensation 

by Combined Percent - Five Fiscal Years 10

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

Year 2007 10

Age of Veterans Receiving Service-Connected Compensation End of Fiscal Year 2007 10

Total Individual Service-Connected Disabilities by Evaluation for Veterans Receiving 

Compensation End of Fiscal Year 2007 11

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

Receiving Compensation End of Fiscal Year 2007 11

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

Veterans Receiving Compensation End of Fiscal Year 12

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

Year 2007 by Percent and Body System 13–14

Most Prevalent Service-Connected Disabilities 14–15

Most Prevalent Disabilities for Veterans Receiving Compensation 

End of Fiscal Year 2007 16

Total Veterans Receiving Service-Connected Disability Benefits End of Fiscal Year 2007 16

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2007 17–18

Service-Connected Disabilities at the End of Fiscal Year 2007 by Period of Service 18

Total Beneficiaries Receiving DIC by Relationship End of Fiscal Year 2007 19

Total Beneficiaries Who Began Receiving DIC from Fiscal Year 2003- 2007 19

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2007 19

Age of Children Who Began Receiving DIC Benefits in Fiscal Year 2007 19
F2 Annual Benefits Report FY 2007 Index

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

End of Fiscal Year 2007 20

Surviving Spouses Receiving DIC by Age End of Fiscal Year 2007 20

Children Receiving DIC by Age End of Fiscal Year 2007 20

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2007 21

Total Veterans Receiving Disability Pension End of Fiscal Year 2007 21

Disability Pension by Period of Service End of Fiscal Year 2007 22

Number of Veterans Who Began Receiving Disability Pension Benefits During Fiscal 

Year 2007 by Age 22

Veterans Receiving Disability Pension End of Fiscal Year 2007 by Age 22

Beneficiaries Who Began Receiving Death Pension During Fiscal Year 2007 by Program 23

Total Beneficiaries Receiving Death Pension by Program End of Fiscal Year 2007 23

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2007 by Age 23

Surviving Spouses Receiving Death Pension End of Fiscal Year 2007 by Age 24

Death Pension by Period of Service End of Fiscal Year 2007 24

Number of Beneficiaries by Payee Type 25

Benefits Paid by Benefit Program 25

Relationship of Fiduciary 25

Education 26

Quick Reference Guide 29

Beneficiaries by Program Fiscal Year 2003-2007 29

New Education Beneficiaries by Program, Fiscal Year 2007 29

New Education Beneficiaries by Training Type and Program, Fiscal Year 2007 29

Training Available Under Education Benefit Programs 30

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2007 31

Beneficiaries Who Began Receiving Education Benefits by Fiscal Year 31

Beneficiaries Who Received Education Benefits by Fiscal Year 31

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

During Fiscal Year 2007 32

Beneficiaries Who Began Receiving Education Benefits by Training Time and Program 

During Fiscal Year 2007 32

Beneficiaries Whose Benefits Terminated During Each Fiscal Year 2003 - 2007 33

Beneficiaries Whose Benefits Terminated During Fiscal Year 2007 by Reason 33

Unique Trainees and Payments ($000) 34

Compensation and Pension (continued)
Veterans Benefits Administration Making a difference F3Index

Insurance 35

Quick Reference Guide 36

Lives Insured 36

Benefits Paid 36

Death Awards (Number) 37

Death Awards (Amount) 37

Operations Statistics-Administered 37

Programs That No Longer Issue Coverage 38

Programs That Issue Coverage 38

2007 Rankings by Total Life Insurance In-Force 39

New Life Insurance Coverage Issued During Fiscal Year 2007 40

New Life Insurance Coverage Issued Comparative Information for Five Fiscal Years 41

Policy Lapses During Fiscal Year 2007 41

Lump-Sum Payments Made During Fiscal Year 2007 – To Policyholders 42

Life Insurance Dividends Payments - Comparative Information for Five Fiscal Years 43

Lump-Sum Payments Made During Fiscal Year 2007 – To Beneficiaries 43

Number of Death Claims Paid - Comparative Information for Five Fiscal Years 44

Insurance Monthly Installment Award Payments to Policyholders - End Fiscal Year 2007 44, 

Insurance Monthly Installment Award Payments to Beneficiaries - End Fiscal Year 2007 45

Total Insurance Policies In-Force - End of Fiscal Year 2007 45

Life Insurance Policies In Force - Comparative Information for Five Fiscal Years 45

Age Distribution for Insurance Programs 46

SGLI Coverage by Branch and Component of Service 47

SGLI Coverage by Coverage Level - Active Duty and Reserve Duty 48

FSGLI Spousal Coverage by Coverage Level - Active Duty and Reserve Duty 48

Loan Guaranty 49

Quick Reference Guide 51

VA Home Loans Guaranteed Over the Past Five Years 51, 54

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria 52

Types and Characteristics of Loans Guaranteed in Fiscal Year 2007 53

Five-Year Trend of Loans Guaranteed by Status 53

VA Home Loans Guaranteed Over the Past Five Years 54

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2007 54

Loans Guaranteed During Fiscal Year 2007 by Period of Service/Entitlement 55

Five Year Trend of Loans Guaranteed by Entitlement 56

Home Loans Guaranteed During Fiscal Year 2007 Based on Gender and Age 56

Purchase Loans Guaranteed During Fiscal Year 2007 Based on Annual Income 57

Number of Loans Guaranteed Five Fiscal Years by Age 57

Percent of Loans Guaranteed by Age Last Five Fiscal Years 58

Loans Guaranteed During Fiscal Year 2007 by Race 58

Select Five Year Trend of Loans Guaranteed by Race 58
F4 Annual Benefits Report FY 2007 Index

Vocational Rehabilitation and Employment 59

Quick Reference Guide 61

Vocational Rehabilitation and Employment Activities Fiscal Year 2007 62

Vocational Rehabilitation and Employment Activities by Age Fiscal Year 2007 62

Vocational Rehabilitation and Employment Activities by Prior Education Level 

Fiscal Year 2007 63

Vocational Rehabilitation and Employment Activities by Branch of Service 

Fiscal Year 2007 63

Vocational Rehabilitation and Employment Activities by Period of Service 

Fiscal Year 2007 64

Vocational Rehabilitation and Employment Activities by Length of Service 

Fiscal Year 2007 64

Vocational Rehabilitation and Employment Activities by Combined Service‐Connected 

Disability Rating Fiscal Year 2007 65

Veterans with Serious Employment Handicaps Fiscal Year 2007 65

Veterans Participating in a Vocational Training Program 

During Fiscal Year 2007 66

Veterans Successfully Rehabilitated Pre and Post Annual Earnings by Occupational 

Category Fiscal Year 2007 67

Veterans Successfully Rehabilitated by Occupational Category, Fiscal Year 2007 68
Veterans Benefits Administration Making a difference
Department of Veterans Affairs

Veterans Benefits Administration

810 Vermont Avenue N.W.

Washington, D.C. 20420

Internet Homepage http://www.vba.va.gov

You may obtain additional copies of this report by calling 

the Office of Performance Analysis and Integrity at (202) 461-9045. 

You may also access this report through our Internet Homepage

http://www.vba.va.gov/reports.htm