ANNUAL

BENEFITS

REPORT

Fiscal Year

2010

Making a difference

Department of Veterans Affairs

Veterans Benefits Administration

“As we express our gratitude, we must never 

forget the highest appreciation is not to utter 

words, but to live by them.”

-John F. Kennedy
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 2010

Images on the cover:

Site - An AV-8B Harrier II aircraft from Marine Medium Helicopter Squadron 264 (Reinforced), 26th Marine Expeditionary Unit

Official USMC photo by Lance Cpl. Patrick M. Johnson-Campbell

Additional photo - U.S. Navy photo by Mass Communication Specialist 1st Class Abraham Essenmacher
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

Data and Information Services

Table of Contents

1 Mission, Vision, and Core Values

1 Mission, Vision, and Core Values

2 Purpose and Overview

2	 Purpose of VBA’s Annual Benefits Report

3 Compensation and Pension

3	 Current Benefits

5 Quick Reference Guide

6 Data

7 Disability Compensation

21 Dependency and Indemnity Compensation

23 Disability Pension

25 Death Pension

27 Fiduciary Program

29 Education

29	 Current Benefits

29 Education Programs

32 Quick Reference Guide

34 Data

38 Additional Education Opportunities

39	 Beneficiary Characteristics

40 Insurance

40	 Current Benefits

41 Quick Reference Guide

43 Data

54 Loan Guaranty

54 Program Objectives

54	 Current Benefits

55 Specially Adapted Housing Program (SAH)

55 Native American Direct Loan (NADL) Program

56 Quick Reference Guide

57 Data
ii Annual Benefits Report FY 2010 Table of Contents

64 Vocational Rehabilitation and Employment 

(VR&E)

65 Vocational Rehabilitation and Employment Program 

Enhancements

66 Quick Reference Guide

67 Data

72 Appendices

A1	 VBA Regional Office Mailing Addresses

B1 Contact VA by Phone

C1 Glossary

D1 Internet References

E1	 Summary of Fiscal Year 2010 Benefits

F1 Index

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

VETERANS BENEFITS 

ADMINISTRATION

Mission, Vision, and 

Core Values

We are the Veterans Benefits Administration, one of the three 

Administrations forming the U.S. Department of Veterans Affairs 

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

Servicemembers, and their families.

Mission, Vision, and Core Values

Mission Statement

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

partnership with the Veterans Health Administration and the National 

Cemetery Administration, is to provide benefits and services to 

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

manner in recognition of their service to the Nation.

Vision Statement

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

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

both recognized for their contribution and are part of something 

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

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

respect, open communication, and 

accountability will be reflected in 

our day-to-day behavior.

Core Values

 Veterans have earned our 

respect and are our reason 

for being, our common 

purpose. All our efforts are 

directed toward meeting 

their needs.

 We are committed to 

communicating with our 

Veterans and employees 

in a timely, thorough, 

accurate, understandable, 

and respectful manner.

 We listen to the concerns 

and views of Veterans and 

our employees to bring 

about improvement in 

benefits and services, and

the climate in which they 

are provided.

 We value understandable 

business processes that 

consistently produce 

positive results.

 We foster an environment 

that promotes personal 

and corporate initiative, 

risk‐taking, and teamwork.

 We are open to change and 

flexible in our attitudes.

 Respect, integrity, trust, 

and fairness are hallmarks 

of all our interactions.

 We value a culture where 

everyone is involved, 

accountable, respected, 

and appreciated.

 We will perform at 

the highest level of 

competence, always, 

and take pride in 

accomplishment.

 We are a “can do” 

organization.
2 Annual Benefits Report FY 2010 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 economic impact of VBA programs on Veterans, 

their families, the Federal government, and the Nation.

A complete discussion of VBA’s performance in administering 

these programs is contained in the Department’s fiscal year 2010 

Performance and Accountability Report, dated November 2010. 

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 2011‐2015 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 $50 billion, VBA programs have 

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

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

millions of lives in fundamental ways. Benefits and services 

administered by VBA fall under five business lines:

COMPENSATION AND PENSION

EDUCATION

INSURANCE

LOAN GUARANTY

VOCATIONAL REHABILITATION AND EMPLOYMENT

Veterans’ benefits represent 

an integral part of American 

history. Knowledge of benefits 

history is important for all 

those who are interested in a 

comprehensive understanding 

of what VBA does and why. 

A more general discussion 

of VA and Veterans’ benefits 

from a historical perspective 

can be found in VA Pamphlet 

80-97-2, VA History in Brief, 

September 1997. This pamphlet 

is on the VA Home Page: 

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

feature/history/index.asp. 

For the latest copy of the 

pamphlet entitled 

Benefits for Veterans 

and Dependents, go to: 

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

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

Compensation and Pension

Current Benefits

Compensation Based Upon Service-Connected Disability or Death

The compensation program provides monthly benefits to Veterans in 

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

or aggravated during active military service. The program also provides 

monthly payments to surviving spouses, dependent children, and 

dependent parents in recognition of the economic loss caused by a 

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

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

To be eligible for disability compensation, the Veteran must have 

served under conditions other than dishonorable, and the disability 

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

compensation is paid monthly and varies according to the degree of 

disability and the number of dependents. The rate of compensation 

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

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

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

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

from two or more separate permanent service-connected disabilities 

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

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

any other rating. Additional benefits are payable to Veterans with 

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

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

state income tax.

Dependency and Indemnity Compensation (DIC) is payable to the 

survivors of Servicemembers who died while on active duty, or 

Veterans who died from service-connected disabilities. VA may 

also pay DIC to survivors of Veterans continuously rated totally 

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

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

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

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

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

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

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

the Veteran was rated totally disabled for eight years immediately 

preceding death and the Veteran and surviving spouse were married 

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

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

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

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

needs-based program for financially dependent parents.

A Note on the Data:

The 2010 Annual Benefits

Report combines data 

from the Veterans Benefits

Administration’s legacy 

Benefits Delivery Network

(BDN) and the corporate 

database (VETSNET). As of 

the end of fiscal year 2010,

only 20,500 Veterans were 

paid compensation benefits

via BDN, while nearly 3.2 

million were paid through 

VETSNET. The most noticeable 

effect of reporting data from 

VETSNET is in the number of 

disabilities for which Veterans 

are service‐connected. The 

BDN stored the six disabilities

with the highest evaluations, 

whereas the corporate 

database stores all disabilities 

for each Veteran. The tables 

containing information on the 

most prevalent disabilities 

by body system are the most 

affected by this change. 

Disabilities that are evaluated 

in higher numbers, but with 

lower evaluations now appear 

in some of the top three 

disabilities by body system lists 

in the charts on pages page 16 

through page 20.
4 Annual Benefits Report FY 2010 Compensation and Pension

Pension Based Upon Non Service-Connected Disability or Death

Pension programs are designed to provide eligible Veterans and their 

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

sense of dignity. Wartime Veterans who are permanently and totally 

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

requirements, may be eligible for a disability pension. Entitlement 

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

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

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

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

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

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

closed to new claims.

Surviving spouses and dependent children of wartime Veterans may 

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

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

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

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

Quick Reference Guide

Beneficiaries Who Began Receiving Benefits 

(Compensation, Pension, DIC) During Fiscal Year 

2010 is 342,166 

Compensation – Disability 224,903

Compensation – Death 28,703

Pension – Disability 47,606

Pension – Death 40,954

Veterans Receiving Service-Connected Disability 

Benefits at the End of Fiscal Year 2010 by Period of 

Service

World War II 217,449

Korean Conflict 151,378

Vietnam Era 1,095,473

Gulf War Era 1,107,881

Peacetime 638,080

Most Prevalent Service-Connected Disabilities for 

Veterans Receiving Compensation at the End of 

Fiscal Year 2010

Tinnitus 744,871

Hearing loss 672,410

Post traumatic stress disorder 437,310

Scars, general 418,748

Diabetes mellitus 332,065

Hypertensive vascular disease 284,552

Traumatic arthritis 279,402

Lumbosacral or cervical strain 277,417

Impairment of the knee, general 267,049

Limitation of motion of the knee 259,872

Number of Veterans and Survivors Receiving 

Compensation and Pension Benefits at the End of 

Fiscal Year 2010 is 4,069,610 

Veterans received service-connected 

disability benefits 3,210,261

Survivors received service-connected 

death benefits 346,954

Veterans received non service‐connected 

disability benefits 313,563

Survivors received non service‐connected 

death benefits 198,832
6 Annual Benefits Report FY 2010

Compensation and Pension

Data

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits 

During Fiscal Year 2010

Benefit Program Number of People

Estimated Total 

Annual Amounts 

Estimated Average 

Annual Amounts 

Compensation – Disability 224,903 $1,685,947,516 $7,496 

Compensation – Death1 28,703 $480,694,932 $16,747 

Pension – Disability 47,606 $575,898,593 $12,097 

Pension – Death2 40,954 $363,188,462 $8,868

Total 342,166 $3,105,729,503 $9,077 

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 2010

Benefit Program Number of People

Estimated Total 

Annual Amounts 

Estimated Average 

Annual Amounts 

Compensation – Disability 3,210,261 $36,485,965,838 $11,365

Compensation – Death1 346,954 $5,039,771,209 $14,526 

Pension – Disability 313,563 $3,160,780,316 $10,080

Pension – Death 198,832 $1,089,284,993 $5,478 

Total 4,069,610 $45,775,802,355 $11,248

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 2010

Combined 

Degree Male Female Total

0% 594 41 635 

10% 66,013 4,859 70,872 

20% 34,086 2,677 36,763 

30% 25,989 3,089 29,078 

40% 18,712 2,433 21,145 

50% 14,429 1,788 16,217 

60% 13,255 1,648 14,903 

70% 10,123 1,334 11,457 

80% 6,636 1,012 7,648 

90% 3,436 574 4,010 

100% 11,589 586 12,175 

Total 204,862 18,526 224,903

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

Compensation During Fiscal Year 2010

Combined 

Degree

Estimated Total Annual Amounts Estimated Average

Annual Amounts Male Female Total

0% $736,262 $46,558 $782,820 $1,233 

10% $97,519,894 $7,143,280 $104,663,174 $1,477 

20% $100,928,764 $7,773,426 $108,702,189 $2,957 

30% $125,229,513 $14,994,301 $140,223,814 $4,822 

40% $131,726,269 $17,192,903 $148,919,172 $7,043 

50% $141,276,024 $17,561,088 $158,837,112 $9,794 

60% $167,682,868 $20,895,932 $188,578,800 $12,654 

70% $162,135,337 $21,272,315 $183,407,652 $16,008 

80% $125,120,137 $18,864,677 $143,984,814 $18,826 

90% $73,615,058 $12,134,914 $85,749,972 $21,384 

100% $401,788,792 $20,309,204 $422,097,996 $34,669 

Total $1,527,758,918 $158,188,598 $1,685,947,516 $7,496 
8 Annual Benefits Report FY 2010

Compensation and Pension

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

Compensation by Fiscal Year

Combined Degree 2006 2007 2008 2009 2010

0% 505 521 551 624 635 

10% 47,667 52,949 53,374 58,949 70,872 

20% 30,989 33,702 33,024 34,069 36,763 

30% 23,264 25,851 26,368 27,495 29,078 

40% 18,234 20,748 20,539 21,311 21,145 

50% 11,745 14,004 14,513 15,239 16,217 

60% 10,229 13,009 13,849 14,873 14,903 

70% 6,879 9,316 10,031 10,729 11,457 

80% 3,847 5,580 6,233 7,199 7,648 

90% 1,718 2,384 2,927 3,475 4,010 

100% 7,728 9,653 9,909 11,103 12,175 

Total 162,805 187,717 191,318 205, 066 224,903 

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

During Fiscal Year 2010

Disability Number of Veterans Percent of Total

Tinnitus 92,260 10.7%

Hearing loss 63,583 7.3%

Post traumatic stress disorder 37,263 4.3%

Limitation of flexion, knee 34,456 4.0%

Lumbosacral or cervical strain 31,881 3.7%

Tendon inflammation 25,826 3.0%

Degenerative arthritis of the spine 25,394 2.9%

Diabetes mellitus 24,233 2.8%

Limitation of motion of the ankle 20,623 2.4%

Scars, general 20,562 2.4%

Total – Most Prevalent Disabilities 376,081 43.4%

Total – All Disabilities 865,766 100.0%
Veterans Benefits Administration Making a difference 9Compensation and Pension

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

Compensation at the End of Fiscal Year 2010

Combined 

Degree Male Female Total

0% 11,584 764 12,348 

10% 737,590 55,791 793,381 

20% 417,992 35,161 453,153 

30% 337,177 34,559 371,736 

40% 287,008 30,855 317,863 

50% 186,858 22,233 209,091 

60% 226,268 24,298 250,566 

70% 211,379 20,227 231,606 

80% 159,853 15,799 175,652 

90% 90,162 9,174 99,336 

100% 279,071 16,458 295,529 

Total 2,944,942 265,319 3,210,261 

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

End of Fiscal Year 2010

Combined 

Degree

Estimated Total Annual Amounts Estimated Average

Annual Amounts Male Female Total

0% $11,396,835 $849,843 $12,246,678 $992 

10% $1,096,805,423 $83,371,309 $1,180,176,732 $1,488 

20% $1,237,494,037 $103,160,165 $1,340,654,202 $2,959 

30% $1,691,467,087 $175,851,509 $1,867,318,596 $5,023 

40% $2,083,144,896 $225,782,514 $2,308,927,410 $7,264 

50% $1,909,712,205 $229,529,097 $2,139,241,302 $10,231 

60% $3,576,289,785 $343,486,869 $3,919,776,654 $15,644 

70% $5,004,931,412 $421,118,102 $5,426,049,514 $23,428 

80% $4,218,983,184 $376,263,486 $4,595,246,670 $26,161 

90% $2,629,973,462 $250,283,230 $2,880,256,692 $28,995 

100% $10,218,258,928 $597,812,459 $10,816,071,388 $36,599 

Total $33,678,457,254 $2,807,508,583 $36,485,965,838 $11,365 
10 Annual Benefits Report FY 2010 Compensation and Pension

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

Compensation by Fiscal Year

Body System 2006 2007 2008 2009 2010

Percent 

Change 

2009-

2010*

Musculoskeletal System 206,588 270,949 286,625 302,798 309,026 2.0%

Impairment of Auditory Acuity 92,407 112,421 118,935 135,701 159,576 15.0%

Skin 41,882 78,068 80,737 81,335 83,485 2.6%

Neurological Conditions 34,222 53,142 58,003 65,932 70,695 6.7%

Mental Disorders 32,838 42,936 49,315 53,226 60,535 12.1%

Respiratory System 22,582 33,456 38,165 41,769 42,352 1.4%

Digestive System 20,932 32,621 34,344 34,590 34,241 -1.0%

Genitourinary System 23,762 31,142 30,630 30,150 29,097 -3.6%

Cardiovascular System 14,828 22,214 24,539 26,493 28,802 8.0%

Endocrine System 25,457 24,328 24,700 25,962 26,639 2.5%

Eye 5,562 8,152 8,862 9,272 9,559 3.0%

Dental and Oral Conditions 2,951 3,920 3,917 3,842 3,886 1.1%

Gynecological Conditions 1,823 3,236 3,649 3,786 3,541 -6.9%

Hemic and Lymphatic Systems 1,545 2,018 2,136 2,387 2,622 9.0%

Infectious Diseases, Immune 

Disorders, and Nutritional 

Deficiencies 2,476 1,756 1,680 1,711 1,710 -0.1%

Total 529,855 720,359 766,237 818,954 865,766 5.4%

*Note: The percent change from 2009 to 2010 is used because of the database changes discussed on page 3.
Veterans Benefits Administration Making a difference 11Compensation and Pension

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

Percent by Fiscal Year

Combined 

Degree 2006 2007 2008 2009 2010

Percent Change 

2006-2010 

0% 14,291 13,790 13,318 12,857 12,348 -15.7%

10% 775,346 784,286 785,355 785,540 793,381 2.3%

20% 417,721 430,925 439,194 445,833 453,153 7.8%

30% 334,931 346,198 354,810 362,525 371,736 9.9%

40% 259,834 275,242 289,071 302,686 317,863 18.3%

50% 161,568 172,995 184,478 196,561 209,091 22.7%

60% 184,264 198,627 214,201 231,341 250,566 26.5%

70% 165,257 179,280 194,196 211,819 231,606 28.6%

80% 113,404 125,405 139,417 155,767 175,652 35.4%

90% 60,546 67,439 75,560 86,119 99,336 39.0%

100% 238,662 249,991 262,682 278,604 295,529 19.2%

Total 2,725,824 2,844,178 2,952,282 3,069,652 3,210,261 15.1%

Age of Veterans Who Began Receiving Service-Connected Compensation During Fiscal Year 2010

Age Number of Veterans

Estimated Total 

Annual Amounts Percent of Total 

34 and under 57,719 $408,876,384 25.7%

35 - 54 64,652 $525,711,708 28.7%

55 - 74 84,811 $615,438,352 37.7%

75 and over 17,721 $135,921,072 7.9%

Total 224,902 $1,685,943,004 100.0%

Age of Veterans Receiving Service-Connected Compensation at the End of Fiscal Year 2010

Age Number of Veterans

Estimated Total 

Annual Amounts Percent of Total

34 and under 324,732 $2,630,072,334 10.1%

35 - 54 951,182 $9,264,357,000 29.6%

55 - 74 1,426,137 $18,994,504,856 44.4%

75 and over 508,210 $5,597,031,648 15.8%

Total 3,210,261 $36,485,965,838 100.0%
12 Annual Benefits Report FY 2010 Compensation and Pension

Individual Service-Connected Disabilities by Evaluation for Veterans 

Receiving Compensation at the End of Fiscal Year 2010

Evaluation

Number of Disabilities

Male Female Total

0% 3,703,189 443,435 4,146,624

10% 4,405,038 496,412 4,901,450

20% 1,084,965 68,751 1,153,716

30% 718,176 92,670 810,846

40% 255,507 19,207 274,714

50% 266,161 36,666 302,827

60% 162,500 9,378 171,878

70% 146,408 11,016 157,424

80% 12,795 495 13,290

90% 3,873 104 3,977

100% 258,135 14,001 272,136

Total 11,016,749 1,192,133 12,208,882

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

evaluation, not as 100% disabled.

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.
Veterans Benefits Administration Making a difference 13Compensation and Pension

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

Compensation at the End of Fiscal Year2010

Body System

Number of Disabilities

Total

Percent 

of Total 

Musculoskeletal System 4,471,591 37.0%

Impairment of Auditory Acuity 1,525,066 12.1%

Skin 1,322,605 10.9%

Neurological Conditions and Convulsive Disorders 1,072,504 8.4%

Mental Disorders 792,882 6.4%

Digestive System 651,826 5.5%

Cardiovascular System 633,440 5.4%

Respiratory System 548,499 4.5%

Genitourinary System 428,984 3.4%

Endocrine System 371,644 3.1%

Eye 180,490 1.5%

Gynecological System 69,504 0.6%

Dental and Oral Conditions 55,304 0.5%

Infectious Diseases, Immune Disorders and Nutritional Deficiencies 47,816 0.4%

Hemic and Lymphatic Systems 36,743 0.3%

Total All Conditions 12,208,882 100.0%
14 Annual Benefits Report FY 2010 Compensation and Pension

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

Body System 2006 2007 2008 2009 2010

Percent Change 

FY 2009-FY 20101

Musculoskeletal System 3,173,080 3,691,871 3,888,519 4,140,015 4,471,591 7.4%

Impairment of 

Auditory Acuity 908,676 1,124,454 1,223,590 1,350,484 1,525,066 11.4%

Skin 818,377 1,091,036 1,163,815 1,216,801 1,322,605 8.0%

Neurological Conditions 573,812 782,573 851,270 939,363 1,072,504 12.4%

Mental Disorders 551,056 629,475 661,015 718,368 792,882 9.4%

Digestive System 464,479 572,625 596,229 614,734 651,826 5.7%

Cardiovascular System 490,435 578,278 586,001 604,052 633,440 4.6%

Respiratory System 360,943 440,470 471,128 503,572 548,499 8.2%

Genitourinary System 231,307 306,055 315,051 379,961 428,984 11.4%

Endocrine System 276,094 324,490 350,401 344,402 371,644 7.3%

Eye 125,770 155,032 161,460 167,997 180,490 6.9%

Gynecological Conditions 49,646 58,774 61,810 65,072 69,504 6.4%

Dental and 

Oral Conditions 33,327 43,982 47,506 50,556 55,304 8.6%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies 44,369 50,147 48,462 47,539 47,816 0.6%

Hemic and 

Lymphatic Systems 26,980 31,319 32,139 33,921 36,743 7.7%

Total 8,128,351 9,880,581 10,458,396 11,176,8392 12,208,882 8.5%

1Note: The percent change from 2009 to 2010 is used because of the database changes discussed on page 3.

2Note: Fiscal Year 2009 Total includes 2 unknowns.

The tables on the following pages identify the total 

number of service-connected disabilities grouped 

by body system. The percentages reflect the 

proportional amount that each rating represents 

for that body system. 

Total conditions on the following pages similarly 

reflect the proportional amount for each rating

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

total service-connected disabilities are rated at 

10 percent.
Veterans Benefits Administration Making a difference 15Compensation and Pension

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

2010 by Percent and Body System

Rating Musculoskeletal System Auditory Skin Neurological Conditions

0% 1,209,321 27.0% 557,891 36.6% 938,599 71.0% 171,093 16.0%

10% 2,299,250 51.4% 839,338 55.0% 326,831 24.7% 574,581 53.6%

20% 553,197 12.4% 36,842 2.4% 7,019 0.5% 144,912 13.5%

30% 172,645 3.9% 29,653 1.9% 37,677 2.8% 90,255 8.4%

40% 135,737 3.0% 20,370 1.3% 2,036 0.2% 44,507 4.1%

50% 19,789 0.4% 13,129 0.9% 3,437 0.3% 20,365 1.9%

60% 48,881 1.1% 7,003 0.5% 6,178 0.5% 9,955 0.9%

70% 4,106 0.1% 4,398 0.3% 18 0.0% 4,562 0.4%

80% 1,387 0.0% 4,385 0.3% 558 0.0% 3,660 0.3%

90% 985 0.0% 1,712 0.1% 4 0.0% 455 0.0%

100% 26,287 0.6% 10,343 0.7% 243 0.0% 8,159 0.8%

Total 4,471,591 36.6% 1,525,066 12.5% 1,322,605 10.8% 1,072,504 8.8%

Rating Mental Disorders Cardiovascular Digestive System Respiratory System

0% 22,795 2.9% 135,216 23.9% 388,353 59.6% 264,682 48.3%

10% 115,470 14.6% 260,047 42.1% 179,810 27.6% 121,551 22.2%

20% 480 0.1% 52,253 181.9% 25,522 3.9% 5,155 0.9%

30% 215,391 27.2% 79,608 12.7% 34,488 5.3% 61,239 11.2%

40% 413 0.1% 16,125 2.8% 6,600 1.0% 994 0.2%

50% 162,089 20.4% 1,243 0.2% 1,037 0.2% 65,202 11.9%

60% 178 0.0% 38,328 6.3% 6,547 1.0% 14,588 2.7%

70% 141,883 17.9% 157 0.0% 168 0.0% 90 0.0%

80% 26 0.0% 67 0.0% 356 0.1% 120 0.0%

90% 4 0.0% 15 0.0% 1 0.0% 2 0.0%

100% 134,153 16.9% 20,992 3.5% 8,943 1.4% 14,875 2.7%

Total 792,882 6.5% 604,052 5.2% 651,826 5.3% 548,499 4.5%

Rating Genitourinary System Endocrine System Eye Gynecological System

0% 245,908 57.3% 9,343 2.5% 78,055 43.2% 28,294 40.7%

10% 39,970 9.3% 59,541 16.0% 45,626 25.3% 8,826 12.7%

20% 31,385 7.3% 276,752 74.5% 10,245 5.7% 147 0.2%

30% 27,398 6.4% 2,797 0.8% 30,115 16.7% 17,174 24.7%

40% 21,239 5.0% 16,843 4.5% 6,221 3.4% 541 0.8%

50% 29 0.0% 27 0.0% 2,329 1.3% 13,964 20.1%

60% 30,556 7.1% 3,861 1.0% 1,488 0.8% 153 0.2%

70% 6 0.0% 5 0.0% 1,765 1.0% 2 0.0%

80% 2,461 0.6% 4 0.0% 185 0.1% 46 0.1%

90% 0 0.0% 2 0.0% 780 0.4% 0 0.0%

100% 30,032 7.0% 2,469 0.7% 3,681 2.0% 357 0.5%

Total 428,984 3.4% 371,644 3.0% 180,490 1.5% 69,504 0.6%
16 Annual Benefits Report FY 2010 Compensation and Pension

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

2010 by Percent and Body System (continued)

Rating

Infectious Diseases, 

Immune Disorders, 

Nutritional Deficiencies

Dental and Oral 

Conditions

Hemic and Lymphatic 

Systems Total All Conditions

0% 36,661 76.7% 29,713 53.7% 14,374 39.1% 4,146,624 34.0%

10% 4,028 8.4% 17,362 31.4% 2,655 7.2% 4,901,450 40.1%

20% 929 1.9% 5,002 9.0% 2,090 5.7% 1,153,716 9.4%

30% 1,513 3.2% 2,268 4.1% 7,854 21.4% 810,846 6.6%

40% 725 1.5% 684 1.2% 238 0.6% 274,714 2.3%

50% 35 0.1% 211 0.4% 11 0.0% 302,827 2.5%

60% 2,283 4.8% 9 0.0% 354 1.0% 171,878 1.4%

70% 8 0.0% 2 0.0% 269 0.7% 157,424 1.3%

80% 49 0.1% 2 0.0% 4 0.0% 13,290 0.1%

90% 1 0.0% 0 0.1% 0 0.0% 3,977 0.0%

100% 1,584 3.3% 51 0.5% 8,894 24.2% 272,136 2.2%

Total 47,816 0.4% 55,304 0.5% 36,743 0.3% 12,208,882 100%

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Musculoskeletal System

Traumatic arthritis 279,402 6.2%

Impairment of the knee, general 277,417 6.2%

Lumbosacral or cervical strain 267,049 6.0%

Endocrine System

Diabetes mellitus 332,065 89.4%

Hypothyroidism 23,989 6.5%

Hyperthyroidism 6,612 1.8%

Impairment of 

Auditory Acuity

Tinnitus 744,871 48.8%

Hearing loss 672,410 42.1%

Otitis media, chronic (ear infection) 20,934 1.4%

Genitourinary System

Penile deformity (loss of erectile power) 135,439 31.6%

Malignant growths of genitourinary system 66,022 15.4%

Prostate gland injuries 44,614 10.4%

Skin

Scars, general 418,748 31.7%

Scars, superficial (tender) 216,634 16.4%

Eczema 192,104 14.5%
Veterans Benefits Administration Making a difference 17Compensation and Pension

Most Prevalent Service-Connected Disabilities

Body System Disability

Total 

Number

Body System 

Total (%)

Eye

Vision in 1 eye 20/100, 20/70 or 20/50; 20/40 in other 16,625 9.2%

Conjunctivitis, chronic 15,013 8.3%

Unhealed eye injury 12,628 7.0%

Neurological

Paralysis of the sciatic nerve 228,350 21.3%

Migraine 174,850 16.3%

Paralysis of the median nerve 157,752 14.7%

Gynecological System

Removal of uterus 14,122 20.3%

Removal of uterus and both ovaries 12,905 18.6%

Benign growths of gynecological system or breast 7,278 10.5%

Mental Disorders

Post traumatic stress disorder 437,310 55.2%

Major depressive disorder 88,859 11.2%

Generalized anxiety disorder 52,856 6.7%

Infectious Diseases, 

Immune Disorders, and 

Nutritional Deficiencies

Malaria 31,159 65.2%

Chronic fatigue syndrome 4,741 9.9%

HIV-Related Illness 3,473 7.3%

Cardiovascular System 

Hypertensive vascular disease 284,552 44.9%

Residuals of cold injury 74,697 11.8%

Arteriosclerotic heart disease (coronary artery disease) 73,052 11.5%

Dental and Oral Conditions

Limited motion of the jaw 33,422 60.4%

Malunion of lower jaw 8,819 15.9%

Loss of Teeth 4,227 7.6%

Digestive System

Hemorrhoids 180,657 27.7%

Hiatal hernia 145,692 22.4%

Inguinal hernia 63,479 9.7%

Hemic and Lymphatic 

Systems

Anemia 8,837 24.1%

Splenectomy (removal of spleen) 7,182 19.5%

Non-Hodgkin's lymphoma 6,403 17.4%

Respiratory System

Allergic rhinitis 88,286 16.1%

Bronchial asthma 78,031 14.2%

Sleep apnea syndromes (obstructive, central, mixed) 74,176 13.5%

(continued)
18 Annual Benefits Report FY 2010 Compensation and Pension

Most Prevalent Disabilities for Veterans Receiving Compensation at the End of Fiscal Year 2010

Body System Disability

Number of Veterans All Conditions 

FY 2010 

Male Female Total (Percent of Total)

Impairment of Auditory Acuity Tinnitus 717,463 27,408 744,871 6.1%

Impairment of Auditory Acuity Hearing loss 632,627 9,710 672,410 5.3%

Mental Disorders Post traumatic stress disorder 417,019 20,291 437,310 3.6%

Skin Scars, general 382,134 36,614 418,748 3.4%

Endocrine System Diabetes mellitus 328,315 3,750 332,065 2.7%

Cardiovascular System Hypertensive vascular disease 267,213 17,339 284,552 2.3%

Musculoskeletal System Traumatic arthritis 255,498 23,904 279,402 2.3%

Musculoskeletal System Lumbosacral or cervical strain 232,648 44,769 277,417 2.3%

Musculoskeletal System

Impairment of the knee, 

general 240,040 27,009 267,049 2.2%

Musculoskeletal System

Limitation of motion of the 

knee 225,995 33,877 259,872 2.1%

Veterans Receiving Service-Connected Disability Benefits at the End of Fiscal Year 2010

Period 

of Service

Number of 

Veterans

Estimated Total 

Annual Amounts

Estimated Average 

Annual Amounts

World War II 217,449 $2,290,072,416 $10,532

Korean Conflict 151,378 $1,617,694,092 $10,686

Vietnam Era 1,095,473 $16,153,679,774 $14,746

Gulf War 1,107,881 $10,518,039,210 $9,494

Peacetime Era 638,080 $5,906,480,346 $9,257

Total 3,210,261 $36,485,965,838 $11,365
Veterans Benefits Administration Making a difference 19Compensation and Pension

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2010

Period of Service Disability Number of Disabilities Percent of Total

World War II

Hearing loss 56,122 11.2%

Tinnitus 39,762 7.9%

Residuals of cold injury 29,726 5.9%

Post traumatic stress disorder 20,898 4.2%

Scars, general 20,166 4.0%

Generalized anxiety disorder 15,307 3.0%

Scars, superficial (tender) 11,430 2.3%

Traumatic arthritis 10,816 2.2%

Flatfoot, acquired 8,567 1.7%

Scars, head, face or neck 7,768 1.5%

Korean Conflict

Hearing loss 50,557 14.1%

Tinnitus 41,419 11.6%

Residuals of cold injury 22,644 6.3%

Scars, general 13,636 3.8%

Post traumatic stress disorder 12,516 3.5%

Scars, superficial (tender) 7,638 2.1%

Traumatic arthritis 6,031 1.7%

Scars, head, face or neck 5,451 1.5%

Duodenal ulcer 5,063 1.4%

Impairment of the knee, general 4,441 1.2%

Vietnam Era

Diabetes mellitus 284,081 7.5%

Post traumatic stress disorder 268,865 7.1%

Hearing loss 265,799 7.0%

Tinnitus 250,583 6.6%

Scars, general 149,521 3.9%

Paralysis of the sciatic nerve 145,423 3.8%

Penile deformity (loss of erectile power) 94,159 2.5%

Hypertensive vascular disease 79,401 2.1%

Paralysis of the median nerve 70,892 1.9%

Impairment of the knee, general 60,562 1.6%
20 Annual Benefits Report FY 2010 Compensation and Pension

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2010

Period of Service Disability Number of Disabilities Percent of Total

Gulf War

Tinnitus 307,619 5.5%

Lumbosacral or cervical strain 206,797 3.7%

Limitation of flexion, knee 192,465 3.4%

Tendon inflammation 184,282 3.3%

Scars, general 169,626 3.0%

Hearing loss 160,270 2.9%

Traumatic arthritis 156,744 2.8%

Limitation of motion of the ankle 154,972 2.8%

Degenerative arthritis of the spine 151,718 2.7%

Hypertensive vascular disease 145,688 2.6%

Peacetime Periods

Hearing loss 109,589 5.7%

Tinnitus 105,488 5.4%

Impairment of the knee, general 76,927 4.0%

Scars, general 65,799 3.4%

Traumatic arthritis 55,408 2.9%

Hypertensive vascular disease 53,570 2.8%

Limitation of motion of the ankle 42,168 2.2%

Hemorrhoids 38,110 2.0%

Limitation of flexion, knee 36,731 1.9%

Lumbosacral or cervical strain 36,422 1.9%

Service-Connected Disabilities at the End of Fiscal Year 2010 by Period of Service

Period

of Service World War II

Korean 

Conflict

Vietnam 

Era

Gulf 

War 

Peacetime 

Periods

Total Number of Disabilities 502,991 358,535 3,795,660 5,612,602 1,939,110 

Average Number of Disabilities per Veteran 2.3 2.4 3.5 5.1 3.0

Veterans Receiving Compensation 217,449 151,378 1,095,473 1,107,881 638,080 

Total Veteran Population 1,761,085 2,041,606 6,924,814 5,373,105 5,803,725

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2010 (continued)
Veterans Benefits Administration Making a difference 21Compensation and Pension

Dependency and Indemnity Compensation

Dependency and Indemnity Compensation (DIC) is 

payable to survivors of Servicemembers who died 

while on active duty, or of Veterans who died from 

service-connected disability.

This section provides information about surviving 

spouses, children, and parents who received DIC 

during fiscal year 2010.

Beneficiaries Who Began Receiving DIC by Fiscal Year

Type of Benefit 2006 2007 2008 2009 2010

Surviving Spouses 15,993 17,140 16,968 16,125 26,815

Surviving Children 1,248 1,124 1,238 1,103 1,143

Surviving Parents 220 226 251 400 288

Total 17,461 18,490 18,457 17,628 28,246

Beneficiaries Receiving DIC by Relationship at the End of Fiscal Year 2010

Relationship Beneficiaries Number Percent

Surviving Spouse 330,332 95.2%

Child 10,318 3.0%

Parent 6,304 1.8%

Total 346,954 100.0%

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2010

Age Number of Beneficiaries

Estimated Total 

Annual Amounts Percent of Total

35 and under 750 $14,152,595 2.8%

36 - 55 3,388 $66,342,172 12.6%

56 - 75 13,945 $249,085,998 52.0%

Over 75 8,733 $142,752,329 32.6%

Total 26,815 $472,333,094 100.0%

Age of Children Who Began Receiving DIC Benefits During Fiscal Year 2010

Children’s Age Number of Beneficiaries

Estimated Total 

Annual Amounts

Under Age 18 217 $882,514

Age 18 and over in School 608 $3,248,191

Age 18 and over – Helpless 318 $1,598,605

Total 1,143 $5,729,310
22 Annual Benefits Report FY 2010 Compensation and Pension

Beneficiaries Receiving Service-Connected Death Benefits by Period of Service 

at the End of Fiscal Year 2010

Period of Service

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

Spanish American War 5 $11,702 $58,512

Mexican Border 1 $13,848 $13,848

World War I 529 $12,676 $6,705,346

World War II 88,870 $14,691 $1,305,548,130

Korean Conflict 36,863 $15,038 $554,342,160

Vietnam Era 164,039 $14,406 $2,363,096,551

Gulf War 21,808 $14,162 $308,844,338

Peacetime Periods 34,839 $14,385 $501,162,324

Total 346,948 $14,526 $5,039,771,209

Surviving Spouses Receiving DIC by Age at the End of Fiscal Year 2010

Age Number of Beneficiaries Estimated Average Annual Amounts

Estimated Total 

Annual Amounts 

35 and Under 6,034 $16,839 $101,601,610

36 - 55 31,431 $15,281 $480,300,258

56 - 75 142,125 $14,641 $2,080,787,168

Over 75 150,743 $16,045 $2,280,424,062

Total 330,332 $14,964 $4,943,113,098

Children Receiving DIC by Age at the End of Fiscal Year 2010

Age Number of Beneficiaries Estimated Average Annual Amounts

Estimated Total

 Annual Amounts

Under Age 18 1,537 $5,307 $8,159,375

Age 18 and over 

– in School 293 $3,810 $1,115,068

Age 18 and over 

– Helpless 7,877 $7,507 $59,128,071

Total 9,707 $7,047 $68,402,514
Veterans Benefits Administration Making a difference 23Compensation and Pension

Disability Pension

Disability pension is payable to certain wartime 

Veterans who are permanently and totally disabled, 

or age 65 and older. Disabilities for pension claims 

are evaluated in the same manner as disabilities 

for compensation claims (using the VA Schedule for 

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

Regulations, Part 4). 

The category called “Other Pension Programs” 

consists of two older pension programs—“Old Law” 

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

these programs, it does not accept new applications 

for them. If a beneficiary ever loses entitlement to

these older pension programs due to changes in 

circumstances (for example, a change in income),

the beneficiary must establish entitlement to pension

under the rules of the current program.

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2010

Type of Pension

Number of 

Veterans

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

PL 95-588

New Law Pension 47,604 $12,098 $575,897,969

Other Pension Programs 2 $312 $624

Total 47,606 $12,097 $575,898,593

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

one category. Additionally, this category references entitlement restored.

Veterans Receiving Disability Pension at the End of Fiscal Year 2010

Type of Pension

Number of 

Veterans

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

Protected (Old Law) 

Pension 49 $1,028 $50,387

Section 306 Pension 4,166 $1,646 $6,855,504

PL 95-588 

New Law Pension 309,348 $10,195 $3,153,874,424

Total 313,563 $10,080 $3,160,780,316
24 Annual Benefits Report FY 2010 Compensation and Pension

Disability Pension by Period of Service at the End of Fiscal Year 2010

Period 

of Service

Other Pension -

 Number of Beneficiaries

New Law Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated Total 

Annual Amounts 

Paid

World War II 2,175 78,873 81,048 $897,792,467

Korean Conflict 1,485 56,342 57,827 $458,847,188

Vietnam Era 555 164,593 165,148 $1,692,831,403

Gulf War 0 9,539 9,539 $111,292,230

Total 4,215 309,348 313,563 $3,160,763,288

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

one category.

Veterans Who Began Receiving Disability Pension Benefits During Fiscal Year 2010 by Age

Age

Other 

Pension

New Law 

Pension

Combined 

Programs

Estimated Total 

Annual Amounts 

Paid

Percent 

of Total

35 and under 0 290 290 $3,190,132 0.6%

36 - 55 0 4,455 4,455 $49,879,215 9.4%

56 - 75 2 16,593 16,595 $159,435,531 34.9%

Over 75 0 26,266 26,266 $363,393,092 55.2%

Total 2 47,604 47,606 $575,897,969 100.0%

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

one category. Additionally, this category references entitlement restored.

Veterans Receiving Disability Pension at the End of Fiscal Year 2010 by Age

Age Number of Veterans

Estimated Total 

Annual Amounts Paid 

Under 45 6,159 $72,293,464

45 - 54 14,365 $161,258,781

55 - 69 149,986 $1,538,584,229

70 - 84 81,490 $676,085,894

85 and over 61,563 $712,557,948

Total 313,563 $3,160,780,316
Veterans Benefits Administration Making a difference 25Compensation 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 2010 by Program

Type of Pension

Number of 

Beneficiaries

Estimated Average 

Annual Amounts

Estimated Total 

Annual Amounts

PL 95-588 – New Law Pension 40,918 $8,875 $363,159,284

Other Pension Programs 36 $811 $29,178

Total 40,954 $8,868 $363,188,462

Beneficiaries Receiving Death Pension by Program at the End of Fiscal Year 2010

Type of Pension Number of Beneficiaries

Estimated Total 

Annual Amounts 

Protected (Old Law) Pension 145 $105,257

Section 306 Pension 24,489 $25,754,854

PL 95-588 New Law Pension 174,198 $1,063,424,882

Total 198,832 $1,089,284,993

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

one category. Additionally, this category references entitlement restored.

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2010 by Age

Age

Other 

Pension*

New Law 

Pension

Combined 

Programs

Estimated Total 

Annual Amounts

Percent of 

Total

35 and under 0 161 161 $1,398,683 0.4%

36 - 55 0 1,800 1,800 $13,782,315 4.4%

56 - 75 1 6,070 6,071 $43,432,725 14.9%

Over 75 6 32,619 32,625 $304,053,301 80.2%

Total 7 40,649 40,656 $362,667,024 100.0%

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

one category. Additionally, this category references entitlement restored.
26 Annual Benefits Report FY 2010 Compensation and Pension

Surviving Spouses Receiving Death Pension at the End of Fiscal Year 2010 by Age

Age Other Pension* New Law Pension All Pension Programs

Estimated Total 

Annual Amounts Paid 

35 and Under 975 2,023 2,998 $12,262,407

36 - 55 9,083 17,710 26,793 $118,892,781

56 - 75 4,756 42,312 47,068 $232,139,992

Over 75 1,460 107,923 109,383 $712,051,174

Total 16,274 169,968 186,242 $1,075,346,355

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

one category. Additionally, this category references entitlement restored.

Death Pension by Period of Service at the End of Fiscal Year 2010

Period of Service

Other Pension - 

Number of Beneficiaries

New Law Pension - 

Number of Beneficiaries

Total Period 

of Service

Estimated Total 

Annual Amounts 

Paid

Wars of 1800s* 89 79 168 $661,742

World War I 2,511 2,781 5,292 $15,746,427

World War II 19,156 122,368 141,524 $774,709,712

Korean Conflict 2,429 26,687 29,116 $144,576,221

Vietnam Era 449 21,580 22,029 $148,694,184

Gulf War 0 703 703 $4,896,707

Total 24,634 174,198 198,832 $1,089,284,993

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 27Compensation 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 66,379

Surviving Spouse 19,042

Adult Disabled Child 15,485

Minor Child 2,707

Dependent Parent 71

Others 86

Total 103,770

Source: Data &Information Service.

Benefits Paid by Payee Category and Benefit Program

Benefit Program/ 

Payee Category

Estimated Total Annual 

Amounts Paid 

Estimated Average 

Annual Amounts Paid 

Compensation–Disability $104,828,963 $2,654

Compensation–Death $7,641,693 $932

Pension–Disability $5,177,489 $1061

Pension - Death $11,953,780 $595

Total $129,601,925 $2,139

Source: Data &Information Service.
Relationship of Fiduciary

Relationship Number

Legal Custodian 74,922

Spouse 14,604

Court-appointed Fiduciary 9,399

Institutional 2,048

Supervised Direct Payment 2,693

Custodian in fact 94

Supt. of Indian Reservation 7

Temporary Fiduciary 3

Total 103,770

Source: Coin DOOR 7009. 

Public Law 108-454, The Veterans Benefits Improvement Act of 2004, requires specific information be

provided in this report.

Fiduciary personnel conducted 129 misuse investigations that totaled 5,620 hours and resulted in 

98 cases where the fiduciary was changed by the Secretary because of findings that benefits had

been misused. In fiscal year 2010 a total of 84 cases have been referred to the Office of the Inspector

General for further investigation subsequent to a determination of misuse.

As of fiscal year 2010 the following actions have been taken:

	Investigations Opened: 17

	Investigations Completed and Referred to Prosecutor’s Office: 25

	Cases Accepted for Prosecution: 3

	Cases Declined for Prosecution: 15

	Cases Pending: 7

Note: The figures above include action taken by OIG on cases referred as of fiscal year 2010. Figures may include data from

	 previous fiscal years.

The number of OIG prosecutorial outcomes as of fiscal year 2010 are as follows:

	Arrests: 8

	Indictments: 6

	Convictions: 5

	Pre-Trial Diversion: 1

Note: The figures above include action taken by OIG on cases referred as of fiscal year 2010. Figures may include data from 

	 previous fiscal years.

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

a fiduciary is $280,853.

28 Annual Benefits Report FY 2010 Compensation and Pension
Veterans Benefits Administration Making a difference 29Education

Education

Current Benefits

There are seven active education programs:

 Post-9/11 Veterans Educational Assistance Program 

(Post-9/11 GI Bill), 

 All-Volunteer Force Educational Assistance Program (Montgomery 

GI BiII-Active Duty), 

 Educational Assistance for Members of the Selected Reserve 

(Montgomery GI BiII-Selected Reserve), 

 Survivors and Dependents Educational Assistance (Dependents’ 

Educational Assistance - DEA), 

 Post-Vietnam Era Veterans Educational Assistance

Program (VEAP), 

 Reserve Educational Assistance Program (REAP), and the 

 National Call to Service Program (NCS).

Education Programs

Post-9/11 Veterans Educational Assistance Program (Post-9/11 

GI Bill)

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

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

new education benefit became effective on August 1, 2009.

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

 A minimum of 90 days of active duty service after September 10, 

2001, or a service‐connected discharge after 30 days of service.

 Honorable discharge from Armed Forces; or

	Release from the Armed Forces with service characterized as 

honorable and placed on the retired list, temporary disability 

retired list, or transferred to the Fleet Reserve or the Fleet 

Marine Corps Reserve; or

	Release from armed forces with service characterized as 

honorable for further service in a reserve component; or

	Discharge or release from Armed Forces for a medical 

condition which existed prior to service (EPTS), or Hardship 

(HDSP), or a condition which interfered with duty (CIWD); or

	Continue on active duty.

 Basic benefits include tuition and fees, monthly housing 

allowance, books and

supplies stipend.

VA Education programs provide 

Veterans, Servicemembers, 

reservists, and certain family 

members of Veterans with 

educational resources to 

supplement opportunities 

missed because of military 

service. These programs are 

also meant to help the armed 

forces both recruit and retain 

members. For members of the 

Armed Forces, VA educational 

benefits assist in the

readjustment to civilian life. On 

a broader scale, educational 

benefits are meant to enhance

the Nation’s competitiveness 

through the development of a 

more highly educated and more 

productive workforce.
30 Annual Benefits Report FY 2010 Education

 Generally receive 36 months of full-time 

education benefits.

 Generally, 15 years to use benefits.

 Eligible to transfer educational benefit to

dependent if individual meets Department of 

Defense eligibility criteria.

All-Volunteer Force Educational Assistance 

Program 

(Montgomery GI Bill - Active Duty)

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

contributory program. The Servicemember’s pay is 

automatically reduced by $100 per month for the first

12 months of active duty unless the Servicemember 

declines to participate at the time of enlistment. 

Requirements and features of MGIB-AD are as 

follows:

 First entered active duty on or after June 30, 

1985;

 Must fulfill one’s basic service obligation unless

released for an acceptable reason;

 Must have completed the requirements of a 

secondary school diploma, or its equivalent, 

before applying for benefits;

 Must receive a honorable discharge;

 Maximum entitlement is 36 months.

Educational Assistance for members of the 

Selected Reserve 

(Montgomery GI Bill - Selected Reserve)

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

the first GI Bill to provide educational assistance

to members of the Selected Reserve (including 

National Guard members). DoD funds this program 

and is responsible for determining eligibility. VBA 

administers the program.

Requirements and features of MGIB-SR include:

 Must agree to a six-year Selected Reserve

obligation after June 30, 1985;

 Must have completed the requirements of a 

secondary school diploma, or its equivalent, 

before applying for benefits;

 Must remain a member in good standing in the 

Selected Reserve; 

 Maximum entitlement is 36 months.

Survivors and Dependents Educational 

Assistance (DEA)

DEA is a VA educational assistance program 

designed for individuals that have never served in the 

armed forces. Features and requirements of DEA are 

as follows:

 Eligibility is based on the Veteran’s 

service‐connected death, total 

service‐connected disability, or MIA / POW / 

Hostage status;

 Maximum entitlement is 45 months;

 Children generally have eight years in which to 

use benefits;

 With some exceptions, children must be

between ages 18 and 26;

 Spouses generally have 10 years in which to 

use benefits and 20 years if the Veteran dies on

active duty or if Veteran receives a permanent 

and total rating within 3 years of release from 

active duty;

 A spouse loses entitlement if they remarry 

before age 57 but may have entitlement 

restored if the remarriage terminates by death 

or divorce;

Effective December 22, 2006, the program was 

expanded to grant eligibility to spouses and children

of Servicemembers who are hospitalized or receiving 

outpatient care for a permanent and total disability 

while still on active duty.

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;
Veterans Benefits Administration Making a difference 31Education

 Maximum contribution of $2,700 by

the Servicemember;

 Maximum entitlement is 36 months;

 Government matches contribution $2 for $1;

 Benefit must be used within 10 years of the

last discharge from the service;

 Unused contributions may be refunded;

 Additional “kickers” or contributions from the 

Department of Defense (DoD) under certain 

circumstances; and

 Current full-time VEAP rate is based on 

the monthly contributions plus any DoD 

“kicker” adjustment.

Reserve Educational Assistance Program 

(REAP)

REAP provides educational assistance to members 

of the National Guard and Reserves who serve on 

active duty in support of a contingency operation 

under federal authority on or after

September 11, 2001. Requirements and features 

of REAP are as follows:

 DoD determines eligibility to REAP; 

 Members who served on active duty 

beginning on or after September 11, 2001;

 Must have served on active duty in support 

of a contingency operation under federal 

authority for a minimum of

90 consecutive days;

 Maximum full-time entitlement is 36 months;

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

enlistment rate.

National Call to Service (NCS)

The National Call to Service program is available to 

certain individuals who, after October 1, 2003:

 Incur an eight-year military service obligation 

(MSO). This MSO will consist of:

	Initial entry training (to include skill 

training) followed by fifteen months of

active duty;

	Continuation of duty without a break in 

service of either an additional period 

of active duty as determined by the 

Secretary of Defense, or a period of 

24 months in an active status in the 

Selected Reserve.

After completion of this period of service, and also, 

without a break in service, the remaining period of 

obligated service will be served as follows:

 On active duty in the Armed Forces;

 In the Selected Reserve;

 In the Individual Ready Reserve;

 In Americorps, or another domestic national 

service program jointly designated by the 

Secretary of Defense and the head of such a 

program;

 In any combination of the above.

There are four incentives available for individuals 

enlisting under this program:

 Cash bonus of $5,000;

 Repayment of a qualifying student loan not to 

exceed $18,000;

 Educational allowance equal to the 3-year 

monthly Chapter 30 rate for 12 months; or

 Educational allowance equal to 50% of the 

less than 3-year monthly Chapter 30 rate for 

36 months.
32 Annual Benefits Report FY 2010 Education

Quick Reference Guide

Beneficiaries by Program by Fiscal Year

Program 2006 2007 2008 2009 2010 

MGIB-AD 332,184 343,751 354,284 341,969 247,105

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

MGIB-SR 66,105 60,298 62,390 63,469 67,373

REAP 23,747 41,388 44,014 42,881 30,269

DEA 75,460 77,339 80,191 81,327 89,696

VEAP 627 568 560 448 286

Total 498,123 523,344 541,439 564,487 800,3691

1The figure, 800,369, represents the number of individuals trained across all programs in fiscal year10. In the case that an 

individual used benefits under more than one program within the same fiscal year, he or she is counted twice in the overall 

trainee count.

Source: Education Service SAS Reports.

New Education Beneficiaries by Program During Fiscal Year 2010

Program Number of Beneficiaries Percent of Total 

MGIB-AD1 3,849 1.4%

Post 9/11 221,900 82.4%

MGIB-SR2 29,430 10.9%

REAP 13,227 4.9%

DEA 1,029 0.4%

VEAP 3 0.0%

Total 269,438 100%

1MGIB‐AD ncludes Peacetime Veterans and Servicemembers.

2Based on service in the Selected Reserve.

Source: Education Service SAS Reports and 

Benefits Delivery System Reports.
Veterans Benefits Administration Making a difference 33Education

New Education Beneficiaries by Training Type and Program During Fiscal Year 2010

Education Program

College, 

Non-Degree Graduate Under-Graduate

Vocational/

Technical

Program 

Totals

Percent of 

All Programs

MGIB-AD 1 165 205 2,819 860 3,849 1.4%

POST-9/112 81,437 24,853 110,506 5,104 221,900 82.4%

MGIB-SR 3 528 1,062 27,389 451 29,430 10.9%

REAP 237 477 12,310 203 13,227 4.9%

DEA 86 55 699 189 1,029 0.4 %

VEAP 0 0 3 0 3 0.0%

Type Training Totals 82,454 26,652 153,726 6,606 269,438 100%

Percent of 

Program Totals 30.6% 9.9% 57.1% 2.5%

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

3Based on service in the Selected Reserve.

Source: Education Service SAS Reports and Benefits Delivery 

System Reports.

Training Available Under Education Benefit Programs

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

College or University Degree X X X X X X

Business, Technical or Vocational Programs X X1 X X X

Independent Study or Distance Learning X X X X X

Correspondence Courses X X X2 X X

Flight Training X X X3 X X

Reimbursement of Licensing & 

Certification Exams X X X X X X

Accelerated Payments for High Tech Classes X X X 

Reimbursement for National Admissions & 

Credit Exams X X X X X

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

Tuition Assistance Top Up Program X

Entrepreneurship Courses X X X X

Remedial, Deficiency, & Refresher Training 

(in some cases) X X X X X

H.S. Diploma or GED X X

1IHL Only.

2Spouses only.

3Only at Institutions of Higher Learning for credit towards a college degree.
34 Annual Benefits Report FY 2010 Education

Data

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2010

Program

New 

Beneficiaries

Percent of 

Total Total Beneficiaries Total Payments

MGIB-AD1 3,849 1.4% 247,105 $1,876,059,774

Post-9/11 221,900 82.4% 365,640 $5,102,066,395

MGIB-SR2 29,430 10.9% 67,373 $176,389,065

REAP 13,227 4.9% 30,269 $127,908,940

DEA 1,029 0.4% 89,696 $680,137,293

VEAP 3 0.0% 286 $350,015

Total3 269,438 100.0% 800,3694 $7,963,404,669

1MGIB-AD Includes Peacetime Veterans and Servicemembers.

2Based on service in the Selected Reserve.

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

4The figure, 800,369, represents the number of individuals trained across all programs in fiscal year 2010. In the case that an individual 

used benefits under more than one program within the same fiscal year, he or she is counted twice in the overall trainee count.

Source: Education Service SAS Reports, Benefits Delivery System Reports, and HINES Finance Center Reports.
Veterans Benefits Administration Making a difference 35Education

Beneficiaries Who Began Receiving Education Benefits by Fiscal Year

Program 2006 2007 2008 2009 2010

MGIB-AD1 62,184 68,246 82,004 54,066 3,849

Post-9/11 0 0 0 34,393 221,900

MGIB-SR2 11,056 13,424 13,833 15,922 29,430

REAP 23,746 9,214 10,079 10,609 13,227

DEA 5,569 11,129 12,999 11,289 1,029

VEAP 93 96 86 47 3

Total 102,648 102,109 119,001 126,326 269,438 

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 2006 2007 2008 2009 2010

MGIB-AD1 332,184 343,751 354,284 341,969 247,105

Post-9/11 0 0 0 34,393 365,640

MGIB-SR2 66,105 60,298 62,390 63,469 67,373

REAP 23,747 41,388 44,014 42,881 30,269

DEA 75,460 77,339 80,191 81,327 89,696

VEAP 627 568 560 448 286

Total 498,123 523,344 541,439 564,487 800,3693

1MGIB‐AD Includes NCS, Peacetime Veterans and Servicemembers.

2Based on service in the Selected Reserve.

3The figure, 800,369, represents the number of individuals trained across all programs in fiscal year 2010. In the case that an

individual used benefits under more than one program within the same fiscal year, he or she is counted twice in the overall

trainee count.

Source: Education Service SAS reports.
36 Annual Benefits Report FY 2010 Education

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

During Fiscal Year 2010

Education 

Program

College

Vocational/ 

Technical

Program 

Totals

Percent 

of All 

Non-Degree Graduate Programs

Under 

Graduate

MGIB-AD1 165 205 2,819 860 3,849 1.4%

Post-9/112 81,437 24,853 110,506 5,104 221,900 82.4%

MGIB-SR3 528 1,062 27,389 451 29,430 10.9%

REAP 237 477 12,310 203 13,227 4.9%

DEA 86 55 699 189 1,029 0.4%

VEAP 0 0 3 0 3 0.0%

Type Training Totals 82,454 26,652 153,726 6,606 269,438 100.0%

Percent of 

Program Totals 30.6% 9.9% 57.1% 2.5%

1MGIB-AD Includes Peactime Veterans and Servicemembers.

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

3Based on service in the Selected Reserve.

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

Beneficiaries Who Began Receiving Education Benefits By Training Time and Program 

During Fiscal Year 2010

Education 

Program

Training Time

Program 

Totals

Percent 

of All 

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

MGIB-AD1 171 515 636 2,527 3,849 1.4%

Post-9/112 5,548 16,643 23,965 175,745 221,900 82.4%

MGIB-SR 671 2,047 3,012 23,700 29,430 10.9%

REAP 281 858 1,263 9,937 12,340 4.9%

DEA3 46 110 94 779 1,029 0.4%

VEAP 0 0 1 2 3 0.0%

Training Time Totals 6,737 20,235 29,062 213,405 269,438 100.0%

Percent of 

Program Totals 2.5% 7.5% 10.8% 79.2%

1MGIB-AD includes peacetime Veterans and Servicemembers.

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

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

Source: Education Service SAS reports.
Veterans Benefits Administration Making a difference 37Education

Beneficiaries Whose Benefits Terminated by Fiscal Year

Program 2006 2007 2008 2009 2010 

MGIB-AD 25,058 25,100 21,284 24,871 8,069

Post-9/11 0 0 0 0 0

MGIB-SR 3,051 2,836 2,533 2,581 1,965

REAP 0 0 0 0 0

DEA 408 973 992 747 20

VEAP 50 37 45 34 9

Total 28,567 28,946 24,854 28,233 10,063

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

Beneficiaries Whose Benefits Terminated by Reason During Fiscal Year 2010

Program

Entitlement

Exhausted

Delimiting

Date

Total

Terminations

Percent of Total

Terminations

MGIB-AD 6,765 1,304 8,069 80.2%

Post-9/11 0 0 0 0.0%

MGIB-SR 1,744 221 1,965 19.5%

REAP 0 0 0 0.0%

DEA 11 9 20 0.2%

VEAP 5 4 9 0.1%

Total 8,509 1,525 10,034 100%

Percent of Total Terminations 84.8% 15.2% 100%

Note: Data on REAP not available; (Post-9/11 is a new educational assistance program).
38 Annual Benefits Report FY 2010 Education

Additional Education Opportunities

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

if individual meets Department of Defense eligibility criteria. During fiscal year 2010 there were 51,658

beneficiaries who received transferred benefits from the Servicemember or Veteran.

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

qualifying Chapter 30 MGIB-AD eligible members to transfer up to 18 months of entitlement to their 

dependents. There were 603 eligible participants and 128 beneficiaries in this program in fiscal year 2010,

totaling over $863 million in payments.

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

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

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

certification program.

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

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

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

for the course to be eligible for TATU payments. There was a 32% decrease in the number of unique trainees 

in fiscal year 2010 compared to fiscal year 2009.

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

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

to seek employment in a high tech industry as defined by VA. The beneficiary receives a lump sum payment

up to 60% of tuition and fees if the monthly amount exceeds an amount equal to 200% of the monthly rate

otherwise payable. Total payments under this program decreased by 42% in fiscal year 2010 compared to

fiscal year 2009 which includes those beneficiaries receiving accelerated payments under the MGIB-SR and

REAP.

Unique Beneficiaries and Payments by Fiscal Year

2007 2008 2009 2010

Tuition 

Assistance 

Top-Up 15,311 $24,710 14,223 $23,413 12,086 $21,423 8,114 $14,683

License and 

Certification

Tests 3,822 $1,961 3,846 $1,973 3,329 $1,7482 2,655 $1,257

Accelerated 

Payment1 — $4,878 — $3,531 — $2,524 — $1,754

Total 19,133 $31,549 18,069 $28,917 15,415 $25,695 10,769 $17,694

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

Source: Education Service SAS reports.
Veterans Benefits Administration Making a difference 39Education

Beneficiary Characteristics

During fiscal year 2010, approximately 37% of all beneficiaries pursued degrees while attending junior

colleges (2 year schools), 49.7% used their VA education benefit attending undergraduate college, 9.6% were

in graduate school and 3.7% used their VA education benefit in vocational or technical training programs.

The Post-9/11 GI Bill statistically appears to be more appealing to individuals who normally would use 

Montgomery GI BIll- Active Duty (MGIB-AD) and Reserve Education Assistance Program (REAP). Total 

beneficiaries in MGIB-AD decreased by 31% in fiscal year 2010 compared to fiscal year 2009 and REAP

decreased 36% during the same period. In this assessment the five most prevalent degrees were in Criminal

Justice, Business Administration, Political Science, Management, and Nursing.

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

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

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

Facebook Page allows Education Service to directly interact with those who are using the Post-9/11 GI Bill 

and those who might know someone that is eligible in addition to the general Facebook community.

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

its users. According to data we have approximately 25,000 Facebook members who follow and interact with

our Facebook Page. In total they display the following characteristics:

 61% are male and 37% are female (the remaining percent did not indicate their gender); 

 Almost half, 47% , of our users are between the ages of 25 and 34 years old; 

 Nearly 20% are between the ages of 35 and 44 years old; 

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

third respectively. 

The data is current as of October 4, 2010, and should not be seen as characteristics of those who use the 

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

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

sample of the Facebook user community who maintain an interest in the Post-9/11 GI Bill.
“6th Medical Group new medical facility”

U.S. Air Force photographer Senior Airman

Nancy Hooks

MacDill Air Force Base - Media Gallery

website: www.macdill.af.mil

40 Annual Benefits Report FY 2010 Insurance

Insurance

The various life insurance programs can be grouped into three 

categories; Matured Life Insurance Programs, Disabled Veterans Life 

Insurance Programs, and Uniformed Services and Post-Vietnam Life 

Insurance Programs.

The life insurance programs provide Servicemembers and their 

families with universally available life insurance (available to all 

Servicemembers and their families without underwriting), as well as 

traumatic injury protection insurance for Servicemembers. They also 

provide for the conversion to a renewable term insurance policy after 

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

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

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

insurability resulting from military service.

Current Benefits

Matured Life Insurance Programs

These programs were established to provide the same or better life 

insurance benefits than were available to private citizens when these

programs were established. The matured life insurance programs 

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

active policies. These include the National Service Life Insurance 

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

Special Life Insurance (VSLI) and Veterans’ Reopened Insurance (VRI) 

programs.

Disabled Veterans Insurance Programs

These programs were established to provide insurance coverage and 

services to Veterans who lose their ability to purchase commercial 

insurance at standard (healthy) rates because of their service 

connected disabilities. These life insurance programs continue to issue 

coverage. These include the Service-Disabled Veterans Insurance 

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

Uniformed Services and Post-Vietnam Veterans

These programs were established to provide insurance coverage 

and services to active duty and reserve members of the uniformed 

services that are commonly provided by large scale civilian employers. 

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

Servicemembers’ Group Life Insurance (FSGLI), Servicemembers’ 

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

Group Life Insurance (VGLI).

In December 2005, 

the SGLI program was 

expanded to provide

protection against 

traumatic injury. Traumatic 

Injury Coverage will be 

automatically provided to all 

Servicemembers enrolled 

in SGLI for an additional 

premium of $1.00 per 

month. Servicemembers 

who experience specific

traumatic injuries or 

lengthy hospital stays will 

receive between $25,000 

and $100,000. The 

coverage is designed to 

provide severely injured 

Servicemembers with 

financial assistance to

allow their family members 

to support them throughout 

their recovery.
Veterans Benefits Administration Making a difference 41Insurance

Quick Reference Guide

Lives Insured

This table displays the number of lives insured and 

the face amount for both the administered and 

supervised insurance programs.

Benefits Paid

The table below displays the amount of death 

awards paid to beneficiaries of both the

administered and supervised insurance programs. 

It also displays the amount of dividends, loans, 

matured endowments, cash surrenders, and 

disability claims paid on administered policies.

Lives Insured by Fiscal Year

Lives Insured 2006 2007 2008 2009 2010

Face Amount 

($ in billions) $1,114 $1,086 $1,088 $1,106 $1,121

Veterans 

(Administered Programs) 1,346,836 1,261,559 1,176,794 1,096,335 1,021,799

Veterans (VMLI) 2,438 2,368 2,309 2,273 2,381

Veterans (VGLI) 428,019 430,636 431,281 429,271 426,650

Servicemembers (SGLI) 2,391,500 2,353,500 2,356,500 2,402,500 2,433,500

Spouses and Children 

(FSGLI) 3,099,000 3,075,000 3,104,000 3,168,000 3,272,000

Total Lives Insured 7,267,793 7,123,063 7,070,884 7,098,379 7,156,330

Source: Fiscal Year 2010 State of residency report; Fiscal Year 2010 Policy Exhibit.

Benefits Paid by Fiscal Year

Benefits 2006 2007 2008 2009 2010

Death Awards $2,229,259,919 $2,484,514,176 $2,231,417,257 $2,322,113,344 $2,350,902,305

Dividends $421,581,323 $374,770,000 $338,082,018 $310,050,719 $273,294,139

Loans Made $61,029,000 $54,840,000 $49,128,000 $55,764,000 $48,267,000

Matured Endowments $16,612,895 $19,570,000 $23,152,871 $26,674,173 $32,581,366

Cash Surrenders $54,622,116 $54,246,000 $50,822,227 $48,214,456 $46,362,893

Disability Claims $16,483,000 $15,025,000 $13,677,664 $12,154,054 $10,925,122

Total $2,799,588,253 $3,002,965,176 $2,706,280,037 $2,774,970,746 $2,762,332,825

Source: Fiscal Year 2010 Policy Exhibit; Fiscal Year 2010 Statement of Operations and Changes in Net Position; Fiscal Year 2010 Statement

of Cash Flows.
42 Annual Benefits Report FY 2010 Insurance

Death Awards

The tables below display the number and amount 

of death awards paid to beneficiaries of both the

administered and supervised insurance programs.

Death Awards (Number) by Fical Year

2006 2007 2008 2009 2010

Administered 99,883 97,869* 98,107 94,429 92,383

Supervised 6,383 6,810 5,978 8,634 8,875

Total 106,266 104,679 104,085 103,063 101,258

Source: Fiscal Year 2010 Policy Exhibit. VMLI Database; Veterans and Reservists Group Insurance System – OSGLI Monthly Report.

*Corrected Data.

Death Awards (Amount) by Fiscal Year

2006 2007 2008 2009 2010

Administered $1,069,085,161 $1,085,229,000 $1,102,596,782 $1,082,988,898 $1,081,440,071

Supervised $1,160,174,758 $1,399,285,176 $1,128,820,475 $1,239,124,445 $1,269,462,234

Total $2,229,259,919 $2,484,514,176 $2,231,417,257 $2,322,113,343 $2,350,902,305

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

Number of Operations Processed on Administered Policies by Fiscal Year

2006 2007 2008 2009 2010

Loans 25,493 25,804 26,002 28,109 29,249

Cash Surrenders 12,914 12,276 10,980 10,371 9,986

Calls Answered 679,558 667,890 672,060 647,450 640,716

Correspondence 

Received 148,675 140,463 94,045 110,564 88,609

Change of Address 55,986 41,924 55,791 46,744 29,830

Online Loan 

Applications 1,166 1,199 1,560 1,939* 2,066

Total 923,792 889,556 860,438 843,238 800,456

Source: Distribution of Operational Resources Report. 

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

subtracted from the total to accurately represent the number of operations processed on administered policies.
Veterans Benefits Administration Making a difference 43Insurance

Data

Programs That No Longer Issue Coverage

Matured Insurance Programs Years Maximum Coverage

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

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

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

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

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

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

Programs That Issue Coverage

Active Life Insurance Programs Year Maximum Coverage

Uniformed Services 

and Post-Vietnam 

Veterans’ Life 

Insurance

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

Servicemembers’ Group Life Insurance (FSGLI) – 

Spouse’s Coverage 2001 - present $100,000

Servicemembers’ Group Life Insurance (FSGLI) – 

Children’s Coverage 2001 - present $10,000

Servicemembers’ Group Life Insurance Traumatic 

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

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

Disabled Veterans’ 

Life Insurance

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

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

1An additional $20,000 of supplemental coverage is available to totally disabled Veterans.
44 Annual Benefits Report FY 2010 Insurance

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.

2010 Rankings by Total Life Insurance In-Force

Rank Company Total Life Insurance

1 Metropolitan Life $4,236,867,000,000

2 Prudential of America Group $2,926,197,000,000

3 Aegon USA Group $1,665,539,000,000

4 RGA GroupING $1,544,007,000,000

5 ING USA Life Group $1,534,902,000,000

6 Swiss Reinsurance Group $1,525,683,000,000

7 VA Life Insurance $1,333,826,000,0001

8 AIG Life Group $1,332,236,000,000

9 Lincoln Financial Group $1,196,116,000,000

10 Northwestern Mutual Group $1,177,946,000,000

11 Great-West Life Group $1,153,468,000,000

12 New York Life Group $1,091,076,000,000

13 Hartford Life Group $1,032,665,000,000

14 Protective Life GroupGenworth $902,810,000,000

15 Genworth financial GroupGreat $835,301,000,000

Source: Best’s Review, September 2010. 1Note: VA data includes $230,850M of TSGLI coverage
Veterans Benefits Administration Making a difference 45Insurance

Coverage Established During Fiscal Year 2010

The table that follows identifies the number of new policies issued during fiscal year 2010, the total face 

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

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

New Life Insurance Coverage Issued During Fiscal Year 2010

Insurance

Number of People 

Insured

Total Coverage 

Amount Average Face Value

Maximum Face 

Value

VMLI1 382 $32,064,745 $83,939 $90,000

SDVI2,3 18,682 $231,888,000 $12,412 $10,000

VGLI4 14,748 $4,140,005,000 $280,716 $400,000

FSGLI – Child5 231,533 $2,315,330,000 $10,000 $10,000

FSGLI – Spouse6 180,472 $17,821,970,944 $98,752 $100,000

SGLI5 217,903 $81,362,365,364 $373,388 $400,000

Total 663,720 $105,903,624,053 $159,561

1Source: VMLI Database – Fiscal year 2010 Reserve File Data. 2Source: SDVI – Fiscal year 2010 Policy Exhibit. State of Residence. 3Source: Additional Coverage, up to $20,000, is available for totally 

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

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

OSGLI Monthly Report. VGLI data is for the Fiscal year 2010. 

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

Duty and Reserve forces in fiscal year 2010. 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.
46 Annual Benefits Report FY 2010 Insurance

New Life Insurance Coverage Issued by Fiscal Year

2006 2007 2008 2009 2010

Number 

of People 

Insured 703,815 706,184 713,625 658,994 663,720

Total 

Coverage 

Amounts $146,032,139,398 $144,756,899,292 $144,600,111,323 $110,879,538,964 $105,903,624,053

Average 

Face Values $207,487 $204,985 $202,628 $168,256 $159,561

Source: VMLI Database – VMLI Quarterly Report.

Source: SDVI – Fiscal Year 2010 Policy Exhibit.

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

totally disabled policyholders. New supplemental SDVI policies 

(3,136) were issued.

Source: DEERS and Military Pay Records.

Source: Veterans and Reservists Group Insurance System – OSGLI 

Monthly Report. VGLI data is for fiscal year 2010. Estimates based upon 

accessions to Active Duty and Reserve forces in fiscal year 2010. 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 2010

Policy Lapses Number1 Face Value1 Average Face Value

NSLI 4,677 $27,100,910 $5,795

VSLI 444 $3,353,000 $7,552

VRI 174 $929,500 $5,342

SDVI 1,432 $14,960,500 $10,447

Total 6,727 $46,343,910 $6,889

1Source: Insurance fiscal year 2010 Policy Exhibit.
Veterans Benefits Administration Making a difference 47Insurance

Lump-Sum Payments Made to Policy Holders During Fiscal Year 2010

Payments Number1 Amount2 Average Payment

Matured 

Endowment1, 2

USGLI 101 $562,837 $5,573

NSLI 2,125 $29,796,087 $14,022

VSLI 9 $108,077 $12,009

VRI 6 $27,004 $4,501

SDVI 230 $2,087,360 $9,075

Total 2,471 $32,581,366 $13,185

Cash Surrender1, 2

USGLI 34 $98,566 $2,899

NSLI 5,148 $35,231,826 $6,844

VSLI 821 $5,044,189 $6,144

VRI 274 $1,674,913 $6,113

SDVI 725 $4,313,399 $5,950

Total 7,002 $46,362,893 $6,621

Dividends3, 4

USGLI 3,765 $534,682 $142

NSLI 748,895 $203,787,143 $272

VSLI 167,320 $62,275,818 $372

VRI 31,425 $6,696,496 $213

Total 951,405 $273,294,139 $287

Loans5, 6, 7

USGLI 62 $18,000 $290

NSLI 14,255 $24,738,000 $1,735

VSLI 3,904 $7,665,000 $1,963

VRI 1,089 $1,157,000 $1,062

SDVI 9,941 $14,689,000 $1,478

Total 29,251 $48,267,000 $1,650

1Source Number: Fiscal year 2010 Policy Exhibit. 2Source Amount: Fiscal year 2010 Statement of Operations and 

changes in Net Position.

3Source Number: Fiscal year 2010 Policy Exhibit – Cover Sheet.

4Source Amount: Fiscal year 2010 Statement of Program Cost 

and Financing. 5Source Number: Fiscal year 2010 Statement of Cash Flows. 6Source Number: Program numbers from an estimate based on 

SQC in fiscal year 2010 and percent of total.
48 Annual Benefits Report FY 2010 Insurance

Life Insurance Dividend Payments by Fiscal Years

Dividend Payments 2006 2007 2008 2009 2010

Number 1,361,906 1,255,732 1,150,671 1,049,676 951,405

Total Amounts $421,581,323 $374,591,446 $338,082,018 $310,050,719 $273,294,139

Average Payments $310 $298 $294 $295 $287

Sources: (same as table on the previous page); Fiscal years 2006-2010 Annual Benefits Report.

Lump-Sum Payments Made to Beneficiaries During Fiscal Year 2010

Death Claims Number1 Amount2 Average Payment

USGLI 771 $2,386,242 $3,095

NSLI 73,253 $860,540,833 $11,748

VSLI 6,993 $92,996,550 $13,299

VRI 3,513 $32,395,656 $9,222

SDVI 7,687 $80,437,444 $10,464

VMLI 166 $12,683,346 $76,406

SGLI3 2,322 $859,313,981 $370,075

FSGLI3 - Spouse 806 $78,885,000 $97,872

FSGL3 - Child 1,662 $16,613,100 $9,996

TSGLI3 1,854 $81,950,000 $44,202

VGLI3 2,231 $232,700,153 $104,303

Total 101,258 $2,350,902,305 $23,217

1Source: Fiscal year 2010 Policy Exhibit. VMLI Database. 2Source: Fiscal year 2010 Statement of Program Costs and Financing. 3Source: VGLI/SGLI/FSGLI/TSGLI – SGLI/VGLI/TSGLI Monthly Reports 

fiscal year 2010 includes Regular, Accelerated & Conversion Pool.
Veterans Benefits Administration Making a difference 49Insurance

Death claims are paid to the beneficiary upon the

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

the death claim is paid to the Servicemember. All 

other death claims are paid to the Veteran’s or 

Servicemember’s designated beneficiary.

The table below provides a distribution of 

the lump-sum death claim payments by life 

insurance program.

Insurance Monthly Installment Award Payments to Policyholders at the End of Fiscal Year 2010

Payment Type Number Monthly Average

Total Disability Income Provision

USGLI 15 $10,476 $698

NSLI 6.534 $7,822,314 $1,197

VSLI 1,880 $2,546,550 $1,355

VRI 384 $289,404 $754

Total 8,813 $10,668,744 $1,211

Matured Endowments

USGLI 0 $0 $0

NSLI 499 $510,714 $1,023

VSLI 396 $513,288 $1,296

VRI 21 $16,452 $783

SDVI 11 $8,916 $811

Total 927 $1,049,370 $1,132

Cash Surrenders

USGLI 0 $0 $0

NSLI 47 $72,846 $1,550

VSLI 1 $7,218 $7,218

VRI 2 $528 $264

SDVI 0 $0 $0

Total 50 $80,592 $1,612

Total and Permanent Disability 

USGLI 15 $4,836 $322

Total 15 $4,836 $322

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

the Guaranteed Certain Only amount.

Number of Death Claims Paid by Fiscal Year

Death Claims 2006 2007 2008 2009 2010

Number 106,266 104,679 104,085 103,063 101,258

Total Amounts $2,229,259,919 $2,467,975,806 $2,231,417,257 $2,322,113,344 $2,350,902,305

Average Payments $20,978 $23,577 $21,438 $22,531 $23,217

Source: (same as table on previous page).

Monthly Payments to Policyholders at the End of Fiscal Year 2010

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.
50 Annual Benefits Report FY 2010 Insurance

Monthly Payments to Beneficiaries at the End of Fiscal Year 2010

A monthly payment option is also available in some 

programs for death claim payments.

The following table provides data on monthly 

payments to beneficiaries.

Insurance Monthly Installment Award Payments to Beneficiaries at the End of Fiscal Year 2010

Death Awards Payment Type Number Monthly Average

USGLI 1,428 $368,412 $258

NSLI 23,604 $14,400,839 $610

VSLI 563 $416,664 $740

VRI 174 $93,048 $535

SDVI 208 $95,484 $459

Total 25,977 $15,374,447 $592

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

Amount and the Guaranteed Certain Only amount.

Total Insurance Policies In-Force at the End of Fiscal Year 2010

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

USGLI 3,765 $10,798,539 $2,868 $10,000

NSLI 748,895 $8,923,959,857 $11,916 $10,000

VSLI 167,320 $2,218,196,297 $13,257 $10,000

VRI 31,425 $317,003,519 $10,088 $10,000

SDVI 213,295 $2,178,770,408 $10,215 $10,000*

VMLI 2,381 $176,880,648 $74,288 $90,000

SGLI 2,433,500 $913,345,223,000 $375,322 $400,000

FSGLI - Child 2,123,000 $21,230,000,000 $10,000 $10,000

FSGLI - Spouse 1,149,000 $113,466,330,000 $98,752 $100,000

VGLI 426,650 $58,946,565,000 $138,161 $400,000

Total 7,299,231 $1,120,813,727,268 $153,552

Sources: Insurance fiscal year 2010 Policy Exhibit Cover Sheet. *Additional $20,000 available for totally disabled policyholders.

Life Insurance Policies In Force by Fiscal Year 

 2006 2007 2008 2009 2010

Number of Policies 7,463,956 7,305,140 7,239,344 7,253,830 7,299,231

Total Face Values $1,341,158,083,857 $1,311,358,700,050 $1,313,773,303,072 $1,336,911,969,456 $1,355,363,727,268

Average Face Values $179,685 $179,512 $181,477 $184,304 $185,686

Sources: Insurance fiscal year 2010 Policy Exhibit Cover Sheet.
Veterans Benefits Administration Making a difference 51Insurance

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 1,060 2,662 3,722 91.6

% of Total 0% 0% 0% 0% 0% 0% 0% 28% 72% 100%

NSLI1 0 0 0 0 0 0 69,843 490,422 93,358 653,623 84.3

% of Total 0% 0% 0% 0% 0% 0% 11% 75% 14% 100%

VSLI1 0 0 0 0 0 0 105,807 45,989 341 152,137 78.5

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

VRI1 0 0 0 0 0 1 3,019 19,640 4,650 27,310 85.2

% of Total 0% 0% 0% 0% 0% 0% 10% 73% 17% 100%

SDVI1 0 1,834 5,339 14,650 34,717 95,944 25,476 6,748 299 185,007 61.0

% of Total 0 1% 3% 8% 19% 50% 15% 4% 0% 100%

VMLI2 0 22 78 353 619 1,150 159 0 0 2,381 57.4

% of Total 0 1% 3% 15% 26% 48% 7% 0% 0% 100%

SGLI3 139,463 1,259,057 629,604 333,275 69,956 2,119 26 0 0 2,433,500 29.9

% of Total 6% 51% 26% 14% 3% 0% 0% 0% 0% 100%

FSGLI–

Spouse3 21,029 464,875 397,398 211,814 48,962 2,922 0 0 0 1,149,000 32.8

% of Total 2% 40% 35% 18% 4% 0% 0% 0% 0% 100%

FSGLI–

Children3 2,017,103 105,897 0 0 0 0 0 0 0 2,123,000 8.8

% of Total 95% 5% 0% 0% 0% 0% 0% 0% 0% 100%

VGLI4 47 25,097 71,326 138,637 105,346 72,825 12,915 451 6 426,650 48.4

% of Total 0% 6% 17% 32% 25% 17% 3% 0% 0% 100%

Totals 2,177,642 1,856,782 1,103,745 698,729 259,600 176,961 217,245 564,310 101,316 7,156,330

% by Age 

Group 31% 26% 15% 10% 4% 2% 3% 8% 1% 100%

1Source: Insurance TBC VAL-C fiscal year 2010 Attained Age Report. 2Source: VMLI Reserve Valuation June Data Adjusted for fiscal year

2010.

3Source: OSGLI June Data – Adjusted for fiscal year 2010.

4Source: VGLI Insurance System.

Note: All data are as of September 30, 2010.
52 Annual Benefits Report FY 2010 Insurance

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 601,783 598,224 99.4% 25.7% 326,394 295,915 90.7% 25.8%

Navy 352,642 347,885 98.7% 14.9% 223,477 205,333 91.9% 17.9%

Air Force 353,727 348,757 98.6% 15.0% 223,941 212,134 94.7% 18.5%

Marine 

Corps 219,597 218,933 99.7% 9.4% 131,059 121,112 92.4% 10.5%

Coast 

Guard 42,530 41,489 97.6% 1.8% 5,866 469 8.0% 0.0%

NOAA 313 278 88.8% 0.0% 32 2 6.3% 0.0%

Public 

Health 

Service 6,681 6,434 96.3% 0.3% 675 35 5.2% 0.0%

Total 1,577,273 1,562,000 99.0% 67.0% 911,442 835,000 91.6% 72.7%

Reserve/

National 

Guard

Army 580,376 527,805 90.9% 22.6% 335,222 186,096 55.5% 16.2%

Navy 48,524 47,321 97.5% 2.0% 58,196 25,548 43.9% 2.2%

Air Force 163,111 160,101 98.2% 6.9% 145,437 93.150 64.0% 8.1%

Marine 

Corps 27,108 27,097 100.0% 1.2% 362 11 3.0% 0.0%

Coast 

Guard 8,321 7,676 92.2% 0.3% 11,349 9,195 81.0% 0.8%

Total 827,440 770,000 93.1% 33.0% 550,565 314,000 57.0% 27.3%

Grand Total 2,404,713 2,332,000 97.0% 100.0% 1,462,008 1,149,000 78.6% 100.0%

Note: All data are as of September 30, 2010.

Note: The data at the bottom of the table shows the reserve components for the branches.
Veterans Benefits Administration Making a difference 53Insurance

The table below shows the number of SGLI 

policyholders and insured FSGLI spouses. The 

total percentage by coverage level for both 

categories of duty status is shown. 

For ease of presentation, the maximum 

coverage level is shown by itself, while all 

the lesser coverage levels are shown in a 

combined number.

SGLI by Coverage Level – Active Duty and Reserve Duty

SGLI Coverage

Number with Coverage Percent with Coverage

$50,000-

$350,000 $400,000

$50,000-

$350,000 $400,000

SGLI 

Coverage 

Level

Active 97,370 1,464,630 6.23% 93.77%

Reserve 117,721 652,279 15.29% 84.71%

Total 215,091 2,116,909 9.22% 90.78%

Source: Payroll databases of each branch of service – September 2010 SGLI Monthly Premium Reports; DEERS and Payroll databases.

FSGLI by Coverage Level – Active Duty and Reserve Duty

FSGLI Coverage

Number with Coverage Percent with Coverage

$10,000-

$90,000 $100,000

$10,000-

$90,000 $100,000

FSGLI 

Coverage 

Level

Active 13,680 821,320 1.64% 98.36%

Reserve 13,152 300,848 4.19% 95.81%

Total 26,832 1,122,168 2.34% 97.66%

Source: Payroll databases of each branch of service – September 2010 SGLI Monthly Premium Reports; DEERS and Payroll databases.

SGLI and FSGLI Coverage
54 Annual Benefits Report FY 2010 Loan Guaranty

Loan Guaranty

Program Objectives

The objective of the VA Home Loan Guaranty program is to help eligible 

Veterans, active duty personnel, surviving spouses, and members of 

the Reserves and National Guard purchase, retain, and adapt homes 

in recognition of their service to the Nation.

Current Benefits

VA home loans may be used to:

 Purchase a home;

 Purchase a residential unit in certain condominium projects;

 Purchase a unit in a cooperative dwelling;

 Build a home;

 Refinance an existing home loan; or

 Improve a home by installing solar heating or other energy 

conservation measures.

There are three types of guaranteed loans as defined by the purpose

of the loan. A “Purchase Loan” is used to purchase a home. The other 

two types of loans are “refinancing” loans: interest rate reduction and

other refinancing (i.e., cash out refinancing). Interest rate reduction is

the most common reason for refinancing a loan.

While there is no maximum VA loan amount, secondary market

limitations determine how much lenders will loan and therefore 

creates an effective loan limit for VA. These effective loan limits vary 

by county and are based on HUD’s area median prices. For fiscal

year 2010, VA’s effective loan limit ranges from a floor of $417,000

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

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

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

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

January and are available at www.benefits.va.gov/homeloans/

loan limits.asp.

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

loan amount (0.5% for interest rate reduction refinancing loans).

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

disability compensation are exempt from paying the fee.

The Loan Guaranty 

Program was originally 

part of a national effort 

to move from a wartime 

economy to a peacetime 

economy and to avoid 

the economic recession 

historically associated 

with postwar periods. The 

program was one of the 

innovations advanced 

by the Servicemen’s 

Readjustment Act of 1944 

(PL 78-346), known as 

the GI Bill of Rights. By 

providing loan guaranties, 

the government could 

provide the housing benefit

to the Veteran at little cost.
Veterans Benefits Administration Making a difference 55Loan Guaranty

Specially Adapted Housing Program (SAH)

The Veterans Housing Opportunity and Benefits Act of 2008 

(PL 110‐289), enacted on July 30, 2008:

 Increased the maximum grant amounts;

 Authorized cost indexing on an annual basis on October 1 of each 

year (beginning in calendar year 2009);

 Established eligibilty for housing assistance for individuals with 

severe burn injuries;

 Authorized assistance for individuals residing outside the United 

States who may now, at the Secretary’s discretion, use adaptive 

housing benefits; and

 Extended authorization to provide housing assistance to 

individuals temporarily residing in a home owned by a 

family member.

These benefits can be used for, but are not limited to:

 Wider doorways and hallways to accommodate wheelchairs;

 Ramps or platform lifts instead of steps; and

 Wheelchair accessible bathrooms.

Native American Direct Loan (NADL) Program

The Native American Veterans Direct Loan Program helps Native 

American Veterans finance the purchase of homes on Federal Trust 

territory. VA has entered into memoranda of understanding with 83 

participating Native American tribes. During fiscal year 2010, VA closed 

103 loans under this program. Since its inception, VA has made 828 

loans to Native American Veterans.

Severely disabled Veterans 

and Servicemembers, primarily 

those who are wheelchair 

bound or who have lost the 

use of both arms at or above 

the elbow, may be entitled 

to obtain Specially Adapted 

Housing (SAH) grants.

Special Housing Adaptation 

(SHA) grants are also available 

to disabled individuals who 

have blindness in both eyes, or 

have anatomical loss or loss of 

use of both hands. 

These distinctive programs 

help eligible individuals 

buy, build, or modify homes 

specifically adapted for 

their use. In addition to no 

time limitation or deadline 

for applying for either grant 

benefit, multiple grant uses 

are available as authorized 

under Title 38, United 

States Code (U.S.C.) section 

2101(a) or section 2101(b). 

Legislation enacted in 2008 

(e.g., Public Law 110-289) 

further expanded the use of 

SAH grants. 
56 Annual Benefits Report FY 2010 Loan Guaranty

Quick Reference Guide

This quick reference guide highlights information 

most requested from the Loan Guaranty Service.

The table below shows overall activity for the 

past five years. In fiscal year 2010, interest rate

reduction refinance loans were 30% of the total

loan volume.

VA Home Loans Guaranteed by Fiscal Year

Fiscal Year 2006 2007 2008 2009 2010

Number of 

Loans 142,708 133,313 179,670 325,690 314,011

Total Loan 

Amount $24,635,468,167 $24,889,988,061 $36,089,811,392 $68,200,786,687 $65,050,602,993

Average Loan 

Amount $172,629 $186,703 $200,867 $209,404 $207,160

Total 

Guaranty 

Amount $6,486,196,646 $6,438,362,016 $9,236,280,575 $17,492,203,150 $16,744,643,173

Average 

Guaranty 

Amount $45,451 $48,295 $51,407 $53,708 $53,325

This chart is repeated on page 59.

Fiscal Year 2010 Loan Guaranty Program Highlights

Loans guaranteed 314,011 

Interest rate reduction loans 94,339 

Total loan amount $65,050,602,993 

Average amount per loan $207,160 
Veterans Benefits Administration Making a difference 57Loan Guaranty

Data

This table below summarizes eligibility criteria for 

the Loan Guaranty Program. All Veterans must 

have been discharged or released from active duty 

under other than dishonorable conditions. 

If the Veteran served less than the minimum 

required time period, he or she could 

be eligible if discharged because of a 

service‐connected disability.

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria

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

World War II 

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

Post-World War II 

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

Korean Conflict

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

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

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

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

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

Officers

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

Gulf War 8/2/90 - present 

2 years or period called to active duty. 

(not less than 90 days)

Active Duty Personnel

On active duty, after having served continuously for at least 

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

or separated from a previous qualifying period of active 

duty service. 

Reservists 6 years

Unmarried Surviving Spouse N/A

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

or service‐connected conditions.

Spouse of MIA/POW N/A

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

prisoner of war (POW).

Restored Entitlement

Veterans who previously used the home loan benefit, but had

entitlement restored because the loan was paid in full and 

property disposed of.

*For Veterans who served within Vietnam, the beginning date is 2/28/1961.
58 Annual Benefits Report FY 2010 Loan Guaranty

Types and Characteristics of Loans Guaranteed During Fiscal Year 2010

Status

Number 

of Loans

Total Loan 

Amount 

Average Loan 

Amount

Total Guaranty 

Amount

Average 

Guaranty 

Amount 

First Time Home Buyer 99,820 $19,232,133,572 $192,668 $5,014,545,152 $50,236

Previous Home Buyer 92,805 $21,429,445,823 $230,908 $5,427,726,428 $58,485

No Down Payment 171,313 $34,848,123,869 $203,418 $9,017,987,351 $52,640

Down Payment 21,312 $5,813,455,526 $272,779 $1,424,284,229 $66,830

Purchase Loans 192,625 $40,661,579,395 $211,092 $10,442,271,580 $54,210

Interest Rate Reduction 94,339 $18,780,071,089 $199,070 4,899,306,141 $51,933

Cash Out/ Other 

Refinancing 27,047 $5,608,952,509 $207,378 $1,403,065,452 $51,875

Status of Loans Guaranteed by Fiscal Year

Status 2006 2007 2008 2009 2010

First Time Home Buyer 63,836 63,731 74,071 91,818 99,820

Previous Home Buyer 58,768 54,210 68,269 89,078 92,805

No Downpayment 110,503 108,241 128,471 163,441 171,313

Downpayment 12,101 9,700 13,869 17,455 21,312

Purchase Loans 122,604 117,941 142,340 180,896 192,625

Interest Rate Reduction 13,875 10,090 30,355 122,251 94,339

Other Refinancing 6,229 5,282 6,975 22,543 27,047
Veterans Benefits Administration Making a difference 59Loan Guaranty

VA Home Loans Guaranteed by Fiscal Year

Fiscal Year 2006 2007 2008 2009 2010

Number of 

Loans 142,708 133,313 179,670 325,690 314,011

Total Loan 

Amount $24,635,468,167 $24,889,988,061 $36,089,811,392 $68,200,786,687 $65,050,602,993 

Average Loan 

Amount $172,629 $186,703 $200,867 $209,404 $207,160 

Total Guaranty 

Amount $6,486,196,646 $6,438,362,016 $9,236,280,575 $17,492,203,150 $16,744,643,173 

Average 

Guaranty 

Amount $45,451 $48,295 $51,407 $53,708 $53,325 

This chart is referenced in the Quick Reference Section.

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2010

Program

Specially Adapted 

Housing Grants*

Special Housing

Adaptation Grants

Direct Loans to 

Native Americans 

Number of Grants/Loans 1,421 128 103

Amount of Grants/Loans $64,971,927 $1,165,478 $15,834,746 

Average Amount of 

Grants/Loans* $61,236 $11,336 $153,735 

*Grants, up to the maximum amounts, can be used up to three times. The Average Amount of Grants reflects 1st time 

Grant usages only.
60 Annual Benefits Report FY 2010 Loan Guaranty

Loans Guaranteed During Fiscal Year 2010 by Period of Service/Entitlement

Data regarding loans guaranteed during fiscal

year 2010 by Veterans’ period of service and by 

other entitlement criteria are presented below. 

The table on the next page presents the data on a

five-year basis.

Loans Guaranteed by Period of Service Entitlement During Fiscal Year 2010

Period of 

Service 

Entitlement 

Number Percent

Total 

Loan 

Amount 

Average 

Loan 

Amount 

Total 

Guaranty 

Amount 

Average 

Guaranty 

Amount 

World 

War II 483 0.15% $68,980,492 $142,817 $19,591,313 $40,562 

Post-World 

War II 103 0.03% $16,269,446 $157,956 $4,496,341 $43,654 

Korean Conflict 647 0.21% $91,916,415 $142,066 $26,174,987 $40,456 

Post-Korean 

Conflict 2,782 0.89% $435,224,364 $156,443 $119,844,604 $43,079 

Vietnam Era 14,676 4.67% $2,437,206,619 $166,067 $658,795,611 $44,889 

Post-Vietnam 

Era 21,457 6.83% $3,934,084,631 $183,347 $1,039,633,851 $48,452 

Gulf War 98,860 31.48% $20,156,455,179 $203,887 $5,201,795,757 $52,617 

Restored 

Entitlement 89,446 28.49% $19,689,278,667 $220,125 $5,020,756,807 $56,132 

Service 

Personnel 79,592 25.35% $17,047,529,612 $214,186 $4,347,454,851 $54,622 

Reservists 4,906 1.56% $1,002,123,977 $204,265 $259,231,568 $52,840 

Un-Remarried 

Survivors 1,050 0.33% $169,767,346 $161,683 $46,405,638 $44,196 

Spouses 

of POWs 9 0.00% $1,766,245 $196,249 $461,845 $51,316 

Total 314,011 100.00% $65,050,602,993 $207,160 $16,744,643,173 $53,325 
Veterans Benefits Administration Making a difference 61Loan Guaranty

Entitlement Loans Guaranteed by Fiscal Year

Entitlement 2006 2007 2008 2009 2010

World War II 363 154 192 380 483

Post-World War II 49 20 39 113 103

Korean Conflict 361 225 291 591 647

Post-Korean Conflict 972 781 1,039 2,360 2,782

Vietnam Era 6,960 5,329 6,756 13,482 14,676

Post-Vietnam Era 10,670 9,538 12,665 22,601 21,457

Gulf War 36,874 40,425 57,985 105,942 98,860

Restored Entitlement 34,081 29,736 44,757 92,950 89,446

Service Personnel 49,730 44,997 53,067 81,834 79,592

Reservists 2,305 1,746 2,422 4,575 4,906

Un-Remarried Survivors 339 358 453 854 1,050

Spouses of POWS 4 4 4 8 9

Total 142,708 133,313 179,670 325,690 314,011

Home Loans Guaranteed Based on Gender and Age During Fiscal Year 2010

Gender or Age Number Percent

Total 

Loan 

Amount 

Average 

Loan 

Amount

Total 

Guaranty Amount 

Average 

Guaranty 

Amount 

Gender 

Male 277,895 88% $57,544,075,308 $207,071 $14,810,963,982 $53,297 

Female 36,116 12% $7,506,527,685 $207,845 $1,933,679,191 $53,541 

Age

18 - 25 22,772 7.30% $3,705,823,366 $162,736 $991,292,994 $43,531 

26 - 35 96,070 30.60% $19,719,603,511 $205,263 $5,065,520,991 $52,727 

36 - 45 84,164 26.80% $19,522,464,216 $231,957 $4,942,491,907 $58,725 

46 - 55 54,548 17.40% $11,914,713,627 $218,426 $3,048,097,467 $55,879 

56 - 65 38,951 12.40% $7,264,286,176 $186,498 $1,908,641,765 $49,001 

66 - 75 13,280 4.20% $2,264,847,854 $170,544 $607,179,880 $45,732 

76 - 80 2,676 0.90% $423,737,449 $158,347 $116,039,912 $43,363 

Over 80 1,550 0.50% $235,126,794 $151,695 $65,378,257 $42,180 

Total 314,011 100% $65,050,602,993 $207,160 $16,744,643,173 $53,325 
62 Annual Benefits Report FY 2010 Loan Guaranty

Purchase Loans Guaranteed Based on Annual Income During Fiscal Year 2010

Income Number 

Total Loan 

Amount

Average 

Loan

Total Guaranty 

Amount 

Average Guaranty 

Amount 

Less than 

$25,000 2,486 $223,311,905 $89,828 $78,271,504 $31,485 

$25,000 to 

$34,999 10,265 $1,199,887,169 $116,891 $366,851,331 $35,738 

$35,000 to 

$44,999 23,672 $3,278,599,571 $138,501 $918,203,794 $38,789 

$45,000 to 

$54,999 31,203 $5,063,249,289 $162,268 $1,338,712,157 $42,903 

$55,000 to 

$64,999 28,080 $5,202,526,166 $185,275 $1,338,806,734 $47,678 

$65,000 to 

$74,999 22,804 $4,728,863,028 $207,370 $1,201,498,961 $52,688 

$75,000 

and over 74,115 $20,965,142,267 $282,873 $5,199,927,099 $70,160 

Total 192,625 $40,661,579,395 $211,092 $10,442,271,580 $54,210 

Average 

Income Median Income Median Loan

$73,609 $65,220 $6,941 

Number of Loans Guaranteed by Age by Fiscal Year

Age 2006 2007 2008 2009 2010

18 - 25 17,081 16,821 19,025 24,751 22,772

26 - 35 50,142 47,578 61,014 102,833 96,070

36 - 45 39,483 36,145 50,469 93,871 84,164

46 - 55 19,409 17,684 26,308 54,365 54,548

56 - 65 12,462 11,410 17,248 36,120 38,951

66 - 75 3,194 2,931 4,315 10,525 13,280

76 - 80* 597 476 816 2,104 2,676

Over 80 340 268 475 1,121 1,550

Total 142,708 133,313 179,670 325,690 314,011

*Data collection for these age groups began Fiscal Year 2003.
Veterans Benefits Administration Making a difference 63Loan Guaranty

Percent of Loans Guaranteed by Age by Fiscal Year

Age 2006 2007 2008 2009 2010

18 - 25 12.0% 12.6% 10.6% 7.6% 7.3%

26 - 35 35.1% 35.7% 34.0% 31.7% 30.6%

36 - 45 27.7% 27.1% 28.1% 28.8% 26.8%

46 - 55 13.6% 13.3% 14.6% 16.7% 17.4%

56 - 65 8.7% 8.6% 9.6% 11.1% 12.4%

66 - 75 2.2% 2.2% 2.4% 3.2% 4.2%

76 - 80 0.4% 0.4% 0.5% 0.6% 0.9%

Over 80 0.2% 0.2% 0.3% 0.3% 0.5%

Loans Guaranteed During Fiscal Year 2010 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 86% who provided race information for 

fiscal year 2010.

For the previous four fiscal years, the

percentages are:

 2006, 95% 

 2007, 92%

 2008, 90%

 2009, 88%

Loans Guaranteed by Race During Fiscal Year 2010

Race Number Percent

Total Loan 

Amount

Average 

Loan 

Total Guaranty 

Amount 

Average 

Guaranty 

White 203,109 75.6% $41,642,625,362 205,026 $10,727,277,896 $52,815

Black/African American 35,471 13.2% $7,500,151,612 211,445 $1,923,588,837 $54,230

Hispanic 23,224 8.6% $4,653,537,634 200,376 $1,202,278,705 $51,769

Asian/Pacific Islander/

Native Hawaiian 5,447 2.0% $1,438,790,827 264,144 $360,961,598 $66,268

American Indian/ 

Alaskan Native 1,492 0.6% $305,809,452 204,966 $79,021,723 $52,964

Loans Guaranteed by Race by Fiscal Year 

Race 2006 2007 2008 2009 2010

White 100,631 89,308 119,996 216,743 203,109

Black/African American 21,750 20,227 25,351 38,699 35,471

Hispanic 10,007 9,816 12,780 23,310 23,224

Asian/ Pacific Islander/ Native Hawaiian 2,416 2,058 2,901 5,348 5,447

American Indian/ Alaskan Native 982 719 935 1,527 1,492
64 Annual Benefits Report FY 2010 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation 

and Employment (VR&E)

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

employment services to Veterans, active-duty Servicemembers 

and eligible dependents. These services are designed to help 

Servicemembers and Veterans choose a career path and assist them 

in achieving their employment goals. Assistance includes interest and 

aptitude testing, occupational exploration, career counseling, training

and job placement services.

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

leading toward employment and independence. VR&E provides each 

Veteran with a case manager who advises and assists him or her 

throughout the program to ensure success in achieving career and 

independent living goals. The full range of services is described below:

 Step 1. Application for benefits and eligibility determination

 Step 2. Orientation for all eligible applicants, including individual 

counseling to determine entitlement for program services.

 Step 3. Evaluation to assess needs and determine services needed 

to assist Veterans and Servicemembers to achieve employment 

and/or maximum independence.

 Step 4. 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 5. Rehabilitation. Veterans obtain and maintain suitable 

employment or achieve maximum independence in daily living.

Mission

The Vocational Rehabilitation 

and Employment (VR&E)

VetSuccess program provides 

comprehensive services 

and assistance necessary to 

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

Vocational Rehabilitation and Employment 

Program Enhancements

VR&E operates its program under the banner of VetSuccess in a 

continual effort to improve awareness of Veterans about VR&E 

services, leading to increased program participation. VetSuccess 

helps Veterans make career decisions, prepare for careers, and 

succeed in suitable jobs. We do this by helping Veterans complete 

training and college programs, by providing Veterans with guidance 

in gaining meaningful employment, by providing Veterans with 

assistance to start their own businesses, and by providing services to 

help Veterans live as independently as possible in their homes and 

communities.

VR&E continues to develop and expand methods to assist

Servicemembers and Veterans in obtaining and maintaining suitable 

employment, with a focus on outreach and early entry into VR&E 

services during transition from active duty. Expanded outreach

and early intervention for Servicemembers and Veterans have 

resulted in increased program emphasis on briefings for active-duty

Servicemembers, National Guard and Reservists. We have also 

expanded the scope of our program to serve Veterans in VA education

programs, including the Post-9/11 GI Bill, through our “VetSuccess on 

Campus” program. 

VR&E continues work to provide more and/or enhanced employment 

tools by leveraging technology. This includes projects such as 

a remote counseling pilot, which provides a great benefit to the

most severely disabled or rural Veterans; and the expansion of

the functionality of our Veteran facing website, VetSuccess.gov. 

VetSuccess.gov is a virtual resource center for Veteran job-seekers and 

for employers wishing to hire Veterans to post job vacancies. Veterans 

can now browse multiple job banks for job listings, post resumes, and 

apply for jobs online. Veterans may also apply for the VR&E program 

and other VA benefits through this site. Expanded content being

developed also includes resources for transitioning Veterans, Veterans 

in college, Veterans starting their own businesses, and Veterans 

seeking maximum independence.

VR&E engaged in numerous other promising and important efforts this 

year to help improve our ability to support Veterans, including:

 A business process re-engineering analysis of VR&E operating 

procedures, work practices and communication flow identified

opportunities to streamline processes and improve resource 

utilization (funding and time). VR&E is currently working to 

implement identified program enhancements and will continue

this effort throughout fiscal year 2011.

Definitions for the following

terms may be helpful in 

reviewing the tables:

 Applicants: Veterans 

who have applied for 

Vocational Rehabilitation 

and Employment services.

 Eligible: Servicemembers 

or Veterans are 

deemed eligible based 

upon a qualifying 

service‐connected 

disability or memorandum 

rating.

 Entitled to Services:

Veterans are determined 

to be entitled when 

services are needed to 

assist them to overcome 

either employment 

handicap or serious 

employment handicap 

related to their disabling 

condition.

 Participants: Veterans in 

any stage of the vocational 

rehabilitation process, 

including: applicants,

evaluation and planning, 

extended evaluation,

independent living, job 

ready status, rehabilitation 

to employment, and 

interrupted.

 Rehabilitated: 

Determination 

that a Veteran has 

successfully obtained 

and maintained suitable 

employment and/or has 

successfully completed 

an independent living 

program. the independent 

living program.
66 Annual Benefits Report FY 2010 Vocational Rehabilitation and Employment (VR&E)

 Preparation continues for 2012 implementation of the Congressionally mandated Longitudinal Study, a 

20-year long-range view of a representative sampling of our customers and the VR&E program’s impact 

upon them.

 A VR&E Work Measurement Study is near completion, with the purpose of examining current work 

processes and recommending appropriate workload ratios. The study is being assessed to determine 

the appropriate counselor-to-Veteran ratio during the counseling, case management and job placement 

assistance processes.

 A reorganization model for the M28 VR&E Procedure Manual was developed by a contractor and 

corresponding content is being updated as a final product to be posted on the VR&E intranet site. Upon 

completion, this initiative promises to provide an improved, consolidated and up-to-date online reference 

for VR&E employees.

Quick Reference Guide

Number of Veterans Receiving Vocational Rehabilitation and Employment 

(VR&E) Benefits at the End of Fiscal Year 2010 is 117,130.

Veterans participating in the VR&E program whom are male 94,995

Veterans participating in the VR&E program whom are female 22,135

Disabled Veterans who were successfully rehabilitated 10,038

Veterans with serious employment handicaps whom were rehabilitated 5,825

Note: Total participants include program applicants who have applied for services but have not yet completed an initial appointment with their 

counselor. This number also includes Veterans who have applied but will not be found eligible for services based on the lack of a qualifying 

service connected disability or a dishonorable discharge. 96.1% of applicants are found to meet eligibility criteria.
Veterans Benefits Administration Making a difference 67Vocational Rehabilitation and Employment (VR&E)

Data

Vocational Rehabilitation and Employment Workload and 

Outcomes During Fiscal Year 2010

Total

Applicants 69,390

Eligible 66,717

Completed Evaluation 46,523

Entitled to Services 41,102

New Plans of Service 27,904

Participants 117,130

Rehabilitated 10,038

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

end of fiscal year 2010 and COINTAR Reports.

Vocational Rehabilitation and Employment Workload and Outcomes by Age During Fiscal Year 2010

< 17 or 

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

60 and 

above Total

Applicants 10 595 11,836 16,134 9,559 9,281 7,965 5,600 8,410 69,390

Participants 1 147 15,322 31,447 17,093 19,113 14,795 8,400 10,812 117,130

Rehabilitated — 3 999 2,627 1,383 1,791 1,183 714 1,338 10,038

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of fiscal year 2010.

In fiscal year 2010, 69,390 

Veterans applied for 

Vocational Rehabilitation and 

Employment services.

Of those who applied:

 96.1% were found to be 

eligible; and

 88.3% 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).
68 Annual Benefits Report FY 2010 Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Prior Education Level at the End of Fiscal Year 2010

Below High 

School High School

Post High 

School

Four Year 

Degree

Graduate 

Degree 

Training Total

Applicants 1,682 31,594 25,311 8,366 2,083 69,3901

Participants 1,711 54,708 46,844 10,139 3,588 117,1302

Rehabilitated 131 4,191 4,180 1,133 395 10,0383

1Plus 354 unknowns

2Plus 140 unknowns

3Plus 8 unknowns

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of fiscal year 2010.

Vocational Rehabilitation and Employment Activities by Branch of Service at the End of Fiscal Year 2010

Air Force Army

Coast 

Guard

Marine 

Corps Navy Misc. Unk. Total

Applicants 9,007 37,526 615 9,341 12,676 83 142 69,390

Participants 17,477 61,604 1,205 14,516 22,103 82 143 117,130

Rehabilitated 1,712 5,171 110 1,228 1,900 7 10 10,038

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of fiscal year 2010.

Vocational Rehabilitation and Employment Activities by Period of Service at the End of Fiscal Year 2010

World 

War II

Post 

World War 

II Era

Korean 

Conflict

Post - 

Korean 

Conflict

Vietnam 

Era

Post - 

Vietnam 

Era Gulf War Total

Applicants 173 33 144 440 7,028 12,175 49,387 69,3901

Participants 130 20 129 402 8,276 16,284 91,889 117,1302

Rehabilitated 41 3 32 69 977 1,066 7,850 10,038 1Plus 10 unknowns

2Plus 1 unknown

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of fiscal year 2010.

Vocational Rehabilitation and Employment Activities by Length of Service Fiscal Year 2010

≤3 

months

3 - 6 

months

6 

months 

- 2 

years

2 - 4 

years

4 - 10 

years

10 - 15 

years

15 - 20 

years

20 - 30 

years

> 30 

years

In 

service Totals

Applications 501 1,023 10,572 20,242 19,219 4,274 2,156 7,806 148 3,449 69,390

Participants 683 1,726 16,500 32,747 33,061 7,773 4,648 18,351 306 1,335 117,130

Rehabilitated 46 114 1,306 2,464 2,615 685 469 2,254 42 43 10,038

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of fiscal year 2010.

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 69Vocational Rehabilitation and Employment (VR&E)

Vocational Rehabilitation and Employment Activities by Combined Service‐Connected 

Disability Rating at the End of Fiscal Year 2010

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

Memo 

Rating

Cases 

Not 

Rated Total

Applicants 2,413 7,752 8,524 10,241 8,856 6,386 6,817 5,288 3,778 1,845 4,129 1,272 2,089 69,390

Participants 299 4,681 12,237 15,943 16,877 12,850 15,213 12,588 10,642 5,902 9,538 359 1 117,130

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of fiscal year 2010.

Of those Veterans participating in a plan of services, most follow the long term services employment track 

and receive services that include career counseling, case management, employment planning, training or 

education, VHA sponsored medical or dental care, job placement assistance and other supportive services.

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. These Veterans receive additional supportive services which may 

include extensions of entitlement, adaptive equipment, job coaching, and independent living services.

Veterans with Serious Employment Handicaps at the End of Fiscal Year 2010

Case Status Total Veterans

Total Veterans with Serious 

Employment Handicaps

Entitled to Services 41,102 28,804

Participants 117,130 73,008

Rehabilitated 10,038 5,825

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of fiscal year 2010.

Note: Total participants includes all applicants, regardless of whether they are found eligible, entitled, or progress into a plan of 

rehabilitation.
70 Annual Benefits Report FY 2010 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 2010.

Veterans Participating in a Vocational Training Program 

During Fiscal Year 2010

Program Total

Undergraduate School 51,004

Vocational/Technical 3,174

Graduate School 3,093

College, Non Degree 1,481

Extended Eval/Independent Living1 972

Paid On-Job Training 166

Non Pay Work Experience in Government 314

Non-Pay On-Job Training 124

Apprenticeship 91

Improvement of Rehab Potential 76

High School 8

Farm Co-op 19

Total2 60,522

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

of fiscal year 2010.

Note1: Total Extended Evaluation/Independent Living participants, including those either 

eligible or ineligible for subsistence was 2,591 at the end of fiscal year 2010

Note2: This number only represents participants in training and in receipt of subsistence 

allowance, a subset of the total of participants.
Veterans Benefits Administration Making a difference 71Vocational Rehabilitation and Employment (VR&E)

Upon completion of the individualized evaluation process, Veterans enter a rehabilitation program to become 

job-ready in their selected vocational choice or to achieve the maximum ability to live independently in the 

community. The length of time that Veterans remain in a rehabilitation program varies according to the 

Veteran’s individual circumstances. The average time spent in the program is approximately two and one-half 

years.

The following table shows annual earnings pre- and post- VR&E program participation for those Veterans who 

were successfully rehabilitated.

Veterans Successfully Rehabilitated Pre and Post Annual Earnings by Occupational Category at the 

End of Fiscal Year 2010

Total

Average Annual Wages Prior to 

VR&E Program Entrance

Average Annual Wages at 

Rehabilitation

Professional, Technical, 

and Managerial 5,841 $9,408 $38,735 

Clerical 471 $5,768 $30,583 

Service 314 $5,867 $29,508 

Miscellaneous 275 $6,479 $31,079 

Machine Trades 233 $6,903 $30,315 

Structural (Building Trades) 137 $7,710 $34,547 

Sales 89 $5,267 $28,419 

Benchwork 44 $8,999 $30,320 

Processing (Butcher, Meat 

Processor, etc.) 13 $2,031 $29,171 

Agricultural, Fishery 

and Forestry 30 $7,952 $22,720 

Total 7,447 $7,178 $34,712 

Note: Excludes Independent Living Veterans (1,880).

Source: VR&E Program Management Reports – Snapshot of VR&E Participants at the end of fiscal year 2010.
72 Annual Benefits Report FY 2010 Appendices

Appendices

VBA Regional Office Mailing Addresses.................................A1

Contact VA by Telephone ........................................................B1

Glossary ...................................................................................C1

Websites ..................................................................................D1

Select Veteran Data for All VBA Programs by State ..............E1
Veterans Benefits Administration Making a difference A1Appendices

VBA Regional Office Mailing Addresses

ALABAMA

VA Regional Office

345 Perry Hill Road

Montgomery, AL 36109-3798

CONNECTICUT

VA Regional Office 

555 Willard Avenue, Building 2E, Room 5137

P. O. Box 310909

Newington, CT 06103-0909

ALASKA

VA Regional Office

1201 North Muldoon Road

Anchorage, AK 99504-6104

DELAWARE

VA Regional Office

1601 Kirkwood Highway

Wilmington, DE 19805-4988

ARIZONA

VA Regional Office

3333 North Central Avenue

Phoenix, AZ 85012-2405

DISTRICT OF COLUMBIA

VA Regional Office

1722 Eye St, NW

Washington, DC 20421-1111

ARKANSAS

VA Regional Office

2200 FT Roots Drive, Bldg 65

North Little Rock, AR 72114-1756

FLORIDA

VA Regional Office

P. O. Box 1437

St. Petersburg, FL 33731-1437

CALIFORNIA

VA Regional Office

Federal Building

11000 Wilshire Blvd.

Los Angeles, CA 90024-3602

VA Regional Office

Oakland Federal Building

1301 Clay Street - Suite 1300N

Oakland, CA 94612-5209

VA Regional Office 

8810 Rio San Diego Drive

San Diego, CA 92108-1508

GEORGIA

VA Regional Office

1700 Clairmont Road

Decatur, GA 30033-4032

HAWAII

VA Regional Office

P. O. Box 29020

459 Petterson Road, E W

Honolulu, HI 96819-1522

IDAHO

VA Regional Office

444 W. Fort Street

Boise, ID 83702-4531

COLORADO

VA Regional Office

155 Van Gordon Street

Lakewood, CO 80228-1709

ILLINOIS

VA Regional Office

2122 W. Taylor Street

Chicago, IL 60612-4281
A2 Annual Benefits Report FY 2010 Appendices

INDIANA

VA Regional Office

575 North Pennsylvania Street

Indianapolis, IN 46204-1526

MINNESOTA

VA Regional Office 

One Federal Drive, Fort Snelling

St. Paul, MN 55111-4050

IOWA

VA Regional Office 

210 Walnut Street, Room 1063

Des Moines, IA 50309-9825

MISSISSIPPI

VA Regional Office

1600 East Woodrow Wilson Avenue

Jackson, MS 39216-5102

KANSAS

VA Regional Office

5500 E. Kellogg Drive

Wichita, KS 67218-1698

MISSOURI

VA Regional Office 

400 South 18th Street

St. Louis, MO 63103-2676

KENTUCKY

VA Regional Office

321 West Main Street, Suite 390

Louisville, KY 40202-6200

MONTANA

Regional Office

William Street, Hwy 12 West

Fort Harrison, MT 59636-9999

LOUISIANA

VA Regional Office

1250 Poydras Street, Suite 200

New Orleans, LA 70113-1871

NEBRASKA

VA Regional Office

5631 S. 48th Street

Lincoln, NE 68516-4198

MAINE

VA Regional Office

1 VA Center - Building 248, Room 205

Augusta, ME 04330-6795

NEVADA

VA Regional Office

5460 Reno Corporate Drive

Reno, NV 89511-2250

MARYLAND

VA Regional Office

Federal Building

31 Hopkins Plaza, Room 233

Baltimore, MD 21201-0001

NEW HAMPSHIRE

VA Regional Office 

Norris Cotton Federal Bldg.

275 Chestnut Street

Manchester, NH 03101-2489

MASSACHUSETTS

VA Regional Office 

John F. Kennedy Building

Government Center 1600

Boston, MA 02203-0393

NEW JERSEY

VA Regional Office

20 Washington Place

Newark, NJ 07102-3174

MICHIGAN

VA Regional Office 

Patrick V. McNamara Federal Bldg.

477 Michigan Avenue, Room 1400

Detroit, MI 48226-2591

NEW MEXICO

VA Regional Office 

Dennis Chavez Federal Bldg.

500 Gold Avenue, SW

Albuquerque, NM 87102-3118
Veterans Benefits Administration Making a difference A3Appendices

NEW YORK

VA Regional Office

130 S. Elmwood Avenue

Buffalo, NY 14202-2478

VA Regional Office

245 W. Houston Street

New York, NY 10014-4805

PENNSYLVANIA

VA Regional Office and

Insurance Center

5000 Wissahickon Avenue

Philadelphia, PA 19101-8079

VA Regional Office 

1000 Liberty Avenue

Pittsburgh, PA 15222-4004

NORTH CAROLINA

VA Regional Office

Federal Building

251 North Main Street

Winston-Salem, NC 27155-1000

PHILIPPINES

U.S. Department of Veterans Affairs

FPO AP 96515-1110

Manila, PI 1000

NORTH DAKOTA

VA Regional Office

2101 Elm Street

Fargo, ND 58102-2417

PUERTO RICO

VA Regional Office

150 Carlos Chardon Avenue

Hato Rey, PR 00918-1701

OHIO

VA Regional Office 

Federal Building

1240 East Ninth Street

Cleveland, OH 44199-2001

RHODE ISLAND

VA Regional Office

380 Westminster Mall

Providence, RI 02903-3246

OKLAHOMA

VA Regional Office

Federal Building

125 South Main Street

Muskogee, OK 74401-7025

SOUTH CAROLINA

VA Regional Office

6437 Garners Ferry Road

Columbia, SC 29209-1638

OREGON

VA Regional Office

Edith Green/Wendell Wyatt Federal Building

1220 Southwest 3rd Avenue

Portland, OR 97204-2825

SOUTH DAKOTA

VA Regional Office

2501 W 2nd Street

Sioux Falls, SD 57117-5046
A4 Annual Benefits Report FY 2010 Appendices

TENNESSEE

VA Regional Office

110 Ninth Avenue, South

Nashville, TN 37203-3817

VIRGINIA

VA Regional Office

210 Franklin Road, SW

Roanoke, VA 24011-2204

TEXAS

VA Regional Office

6900 Almeda Road

Houston, TX 77030-4200

VA Regional Office

One Veterans Plaza

701 Clay Avenue

Waco, TX 76799-0001

WASHINGTON

VA Regional Office

Federal Building

915 Second Avenue

Seattle, WA 98174-1060

WEST VIRGINIA

VA Regional Office

640 4th Avenue

Huntington, WV 25701-1340

UTAH

VA Regional Office

550 Foothill Drive

Salt Lake City, UT 84113-1106

WISCONSIN

VA Regional Office

5400 W. National Avenue

Milwaukee, WI 53214-3416

VERMONT

VA Regional Office

215 N. Main Street

White River Junction, VT 05009-0001

WYOMING

2360 E. Pershing Blvd.

Cheyenne, WY 82001-5356

The Denver Regional Office serves the state of Wyoming.

The local address provided is for the benefits office.
Veterans Benefits Administration Making a difference B1Appendices

Contact VA by Phone

Compensation and Pension, 

Loan Guaranty, Vocational Rehabilitation and 

Employment, and General Benefits Information 1-800-827-1000*

Beneficiaries in receipt of Pension Benefits 1-877-294-6380*

Education 1-888-GI BILL 1*

(1-888-442-4551)

Life Insurance 1-800-669-8477*

Burial Headstones and Markers 1-800-697-6947*

Health Care 1-877-222-8387*

CHAMPVA 1-800-733-8387*

Telecommunication Device for the DEAF (TDD) 1-800-829-4833*

Annual Benefits Report 

(Office of Performance Analysis & Integrity) 202-461-9040

*Indicates toll-free numbers

Veterans Benefits Administration Making a difference C1Appendices

Glossary

AID AND ATTENDANCE – An additional monetary 

allowance payable to individuals who are:

 In a nursing home or

 In need of daily care to help with feeding, 

dressing, attending to the wants of nature, 

protecting oneself from hazards of the daily 

environment, or keeping clean.

APPLICANTS (VR&E) – Veterans who have 

applied for Vocational Rehabilitation and 

Employment services.

BENEFITS DELIVERY AT DISCHARGE (BDD) –

Program to assist active duty personnel in filing for 

VA benefits prior to their separation or retirement 

from active duty. VBA provides information about 

VA benefits and assistance in filing benefit claims.

BODY SYSTEMS – Title 38, Code of Federal 

Regulations, Part 4, classifies the various areas 

of the body into fifteen (15) different systems 

as follows:

 Musculoskeletal System

 Skin

 Auditory

 Mental Disorders

 Digestive System

 Neurological Conditions and

Convulsive Disorders

 Cardiovascular System

 Respiratory System

 Endocrine System

 Genitourinary System

 Eye Infectious Diseases, Immune Disorders, 

Nutritional Deficiencies

 Gynecological Conditions

 Dental and Oral Conditions

 Hemic and Lymphatic Systems

BUYER STATUS – A first-time homeowner or 

previous homeowner.

CASH SURRENDER – A policyholder, upon 

request, receives the cash value that accrued 

in his/her life insurance policy, and in return 

surrenders all rights, title, and interest to his/

her basic and/or paid-up additional insurance 

coverage amounts.

CHAPTER 31 BENEFITS – Vocational 

Rehabilitation and Employment (VR&E) program 

provides benefits and services to Veterans whose

service-connected disabilities limit or prohibit 

employment options.

CODE OF FEDERAL REGULATIONS (CFR) – VA 

rules and regulations are contained in Title 

38 Code of Federal Regulations (38 CFR). The 

Secretary of Veterans Affairs is empowered to 

prescribe all rules and regulations, consistent with 

existing law, necessary or appropriate to carry out

the laws administered by the Department (Section 

501, Title 38 USC).

COMBINED DEGREE – The combined degree 

of disability is expressed as a percentage (from

0 to 100 in increments of 10) and represents 

the overall disabling effect of a Veteran’s 

service‐connected disabilities.

COMPENSABLE ZEROS – Disabilities that are 

independently evaluated at zero percent disabling 

but produce an employment handicap to warrant 

a 10 % combined disability evaluation. This 

evaluation entitles the Veteran to receive disability 

compensation payments.

COMPUTER SYSTEMS – VBA derives statistical 

data about Veterans from multiple sources 

and from various computer systems: e.g. VBA

Data Warehouse, VBA’s Benefits Delivery

Network (BDN), the Beneficiary Identification

and Records Locator System (BIRLS); and the 

Board of Veterans’ Appeals Control and Locator 

System (VACOLS).

DEPENDENTS’ EDUCATIONAL ASSISTANCE

(DEA) – Refers to Dependents’ Educational 

Assistance Program (Chapter 35 of the Title 38, 

U.S. Code). See Survivors’ and Dependents’ 

Educational Assistance.
C2 Annual Benefits Report FY 2010 Appendices

DEPENDENCY AND INDEMNITY COMPENSATION

(DIC) – A monetary death benefit payable to 

eligible survivors (surviving spouses, children, 

and/or dependent parents of Servicemembers 

who die in service) as a result of a 

service‐connected death.

DEPENDENTS – Qualifying dependents for VA 

benefit purposes are a Veteran’s spouse and 

child (natural child, adopted child, or stepchild). A 

Veteran’s mother or father may also be considered 

a dependent generally if there is financial need.

DIAGNOSTIC CODES – VBA uses four digit numeric 

codes to signify specific medical conditions. These 

numeric codes are in 38 CFR, Part 4.

DIRECT LOAN – A home loan made by the 

Department of Veterans Affairs directly to 

Veterans. This is distinct from guaranteed loans, 

which are made by private lenders and guaranteed 

by VA.

DISABILITY COMPENSATION – A monetary benefit 

paid to Veterans for service‐connected disability.

DISABILITY PENSION – A monetary benefit paid 

to wartime Veterans who are age 65 or older, or 

permanently and totally disabled as the result of a 

non-service‐connected disability. In either case, the 

Veteran’s annual income must not exceed the limit 

set by statute in order to qualify for this benefit.

DIVIDEND – A payment to policyholders in 

participating life insurance programs. It is an 

allocation of program surplus funds representing 

the return of premiums not needed to pay claims 

and expenses, and a distribution of earnings from

investment. Dividends are issued annually on the 

policy anniversary date.

DMDC – The Defense Manpower Data Center 

maintains the largest archive of personnel, 

manpower, training and financial data in the

Department of Defense (DoD).

NO DOWNPAYMENT OPTION – The VA home 

loan guaranty program allows the Veteran to 

enter the home buying market with the option of 

providing no downpayment. This option is intended 

to help the Veteran afford the purchase of a 

suitable home.

EDUCATIONAL ASSISTANCE – A monetary benefit

to eligible Veterans, dependents, reservists, and 

Servicemembers while they are in an approved 

training program.

ELIGIBLE – Veterans who have been deemed 

eligible based upon a qualifying service‐connected 

disability or memo rating.

ELIGIBILITY – VA benefits require that the

Veteran be discharged from active military service 

under “other than dishonorable” conditions. 

In addition to this general requirement, there are 

specific statutory and regulatory requirements

for each of the five benefit programs; some

of these requirements are described in the 

sections of this report dealing with the respective 

benefit programs.

ENTITLED TO SERVICES (VR&E) – Veterans 

determined to have a disability that presents an 

employment or serious employment handicap, and 

for whom it has been determined that vocational 

rehabilitation should be successful.
Veterans Benefits Administration Making a difference C3Appendices

ENTITLEMENT (EDU) – The number of months the 

student is eligible for VA education benefits. This 

number is usually expressed in months and days 

the student will be eligible for full-time benefits. 

Entitlement may vary depending on the education 

program the individual qualifies under. In no event 

will entitlement exceed 48 months under any 

combination of education programs.

ENTITLEMENT (C&P) – Once basic eligibility 

requirements have been met, decisions on 

entitlement for C&P benefits are based on 

statutory and regulatory requirements and 

the evidence of record that documents these 

requirements have been met.

EVALUATION FOR ENTITLEMENT TO A PROGRAM 

OF REHABILITATION SERVICES – The process 

used to determine whether the Veteran’s 

disabilities cause an employment handicap.

FACE VALUE – The dollar amount of life insurance 

money that would be paid upon the death of the 

Veteran or at the maturity of the policy, subject to 

adjustments for indebtedness, dividends, premium 

overpayments, or “paid‐up additions.”

FIRST-TIME HOMEOWNER – A Veteran using his 

home loan entitlement to purchase a home for the 

first time.

FISCAL YEAR – Any yearly accounting or budgetary 

period without regard to its relationship to the 

calendar year.

FORECAST OF PROGRAM LIABILITIES – Future 

liabilities represent payments that the government 

is obligated to deliver in future years. This is 

much like the obligation of a life insurance 

company to pay the face amount of a standard 

policy to beneficiaries at the time of the insured 

person’s death.

FUNDING FEE – A fee, required by law, charged to 

Veterans who obtain a VA guaranteed home loan.

FSGLI – Family Servicemembers’ Group Life 

Insurance was established in 2001 to provide 

Servicemembers, who have Servicemembers’ 

Group Life Insurance (SGLI) coverage, the 

opportunity to have life insurance coverage on 

their spouses and dependent children.

GUARANTEED LOAN – A loan that is federally 

backed by the VA home loan provision.

HOUSEBOUND – An additional monetary 

allowance payable to those individuals who are 

substantially confined to their home or immediate

premises as a result of a permanent disability.

INDIVIDUAL UNEMPLOYABILITY – Veterans 

unable to secure and follow a substantially gainful 

occupation by reason of service-connected 

disability will be rated totally disabled, provided 

that the Veteran has a single disability rated 60% 

or more or a combined evaluation of at least 70%, 

with one disability ratable at 40% or higher.

KICKERS (EDU) – Amounts contributed by DoD 

to an education fund on behalf of participants to 

encourage enlistment or retention in the Armed 

Forces. (The military services may use different 

terms such as “Army College Fund” or “Navy 

College Fund”, etc.) These amounts are added to 

any other education benefits to which the person

may be entitled. Kickers are applicable only to 

MGIB-AD, MGIB-SR, VEAP and REAP.

LOAN (INS) – An amount borrowed against 

the cash value of a permanent plan life 

insurance policy.

LOAN DEFAULTED-GUARANTY CLAIM PAID –

Loan Guaranty term used when the borrower 

defaults on the loan and VA pays the loan 

guaranty claim.

LOAN GUARANTY PROGRAM – The benefit

program whereby VA guarantees a portion of a 

loan to lenders to facilitate Veterans obtaining 

a home.
C4 Annual Benefits Report FY 2010 Appendices

MATURED ENDOWMENT – The face amount of 

life insurance less any indebtedness that is paid 

to the insured at maturity of the policy, based on 

the plan of life insurance. The proceeds may be 

paid as a lump sum or the insured may request 

installment payments.

MGIB-AD – The Montgomery GI Bill-Active Duty 

Educational Assistance Program (Chapter 30 of 

Title 38, U.S. Code) which provides educational 

assistance to persons who served on active duty in 

the Armed Forces.

MGIB-SR – The Montgomery GI Bill-Selected 

Reserve Educational Assistance Program (Chapter 

1606 of Title 10, U.S. Code) which provides 

educational assistance to members of the 

Selected Reserve or the Ready Reserve of any of 

the reserve components of the Armed Forces.

NOT ELIGIBILE (VR&E) – Veterans who have been 

determined ineligible for VR&E benefits for reasons 

such as a lack of a qualifying service-connected 

disability rating.

NOT ENTITLED (VR&E) – Veterans who have been 

determined not entitled to VR&E services due to 

a lack of an employment handicap or a serious 

employment handicap.

NSLI – National Service Life Insurance was 

established in 1940 to meet the insurance needs 

of World War II Veterans. The program closed 

in 1951.

ORIGINAL DISABILITY CLAIM – A Veteran’s first

claim for disability benefits, either compensation

or pension or both. Any subsequent claim is 

categorized as a reopened or supplemental claim.

OUTREACH (VR&E) – Various initiatives within 

the Program to improve communication and 

to coordinate and maximize employment

opportunities with other government agencies, 

local businesses and VSOs on behalf of 

service‐connected disabled Veterans.

PAID-UP ADDITIONS – Policyholders with 

participating policies can use their annual 

dividends to purchase additional life insurance. 

Established in 1972, this is the only way most 

policyholders may increase their life insurance 

coverage amount.

PARTICIPANTS (VR&E) – Veterans in any stage 

of the vocational rehabilitation process, including:

applicants, evaluation and planning, extended

evaluation, independent living, job ready status, 

rehabilitation to employment, and interrupted.

PEACETIME VETERANS – Veterans who served 

during a period of time not statutorily defined as a

period of war.

PRISONERS OF WAR (POWs) – Veterans who 

were forcibly detained (confined) by an enemy,

foreign government, or hostile force while serving 

in the active military, naval or air service.

PREVIOUS HOMEOWNER – A person who has had 

a previous ownership interest in a home.

PROTECTED PENSION – The pension program, 

both disability and death, replaced by Section 

306 Pension, which in turn was replaced by the 

current pension program under the provisions 

of PL 95-588. Veterans and survivors receiving 

either Protected Pension or Section 306 Pension 

may continue to receive the benefits as long

as they continue to meet the basic entitlement 

requirements of the respective programs.

PURCHASE LOAN – A loan made solely for the 

purpose for purchasing a home.
Veterans Benefits Administration Making a difference C5Appendices

RANGE OF DISABILITIES – A disability is evaluated 

according to the VA Schedule for Rating Disabilities 

in Title 38, CFR, and Part 4. Extent of disability is 

expressed as a percentage from 0% (for conditions 

that exist but are not disabling to a compensable 

degree) to 100%, in increments of 10%. Most 

disabilities, however, do not have every 10% 

increment from 0 to 100.

RATING SCHEDULE – Title 38, CFR Part 4.

REAP – The Reserve Educational Assistance 

Program (Chapter 1607 of Title 10, U.S. Code) 

which provides educational assistance to members 

of the Guard and Reserves who serve on active 

duty in support of a contingency operation under 

federal authority on or after September 11, 2001.

REGIONAL OFFICE (RO) – A VA field office 

composed of divisions which carry out the 

functions of VBA. Fifty-seven such offices exist 

throughout the United States, the District of 

Columbia, Puerto Rico, and the Philippines.

REHABILITATED (VR&E) – Veterans who have 

successfully found and maintained suitable 

employment or have successfully completed the 

independent living program.

RESERVIST – A member of a reserve component 

of one of the Armed Forces who has potential 

entitlement to certain VA benefits by reason of 

his or her reserve status, including educational 

assistance under Title 10 of the United States 

Code, Chapter 1606.

RESTORED ENTITLEMENT (LGY) – Previously 

used entitlement may be restored when a property 

secured by a VA loan is sold and the loan is paid in 

full or when an eligible Veteran transferee agrees 

to assume the outstanding balance on a VA loan 

and substitute his/her entitlement for the same 

amount originally used on the loan.

SDVI – Service-Disabled Veterans Insurance was 

established in 1951 to meet the insurance needs 

of Veterans with service-connected disabilities. 

SDVI is open to Veterans who received other than 

dishonorable discharge separated from the service 

on or after April 25, 1951, and who received a 

service-connected disability rating of 0% or greater 

within the last two years.

SECONDARY MARKET – The financial market

where mortgages are bought and sold.

SERVICE-CONNECTED – A disease or injury 

determined to have occurred in or to have been 

aggravated by military service.

SERIOUS EMPLOYMENT HANDICAP – A 

significant impairment, caused in whole or in part

by a service-connected disability, in the Veteran’s 

ability to prepare for, obtain, or retain employment 

consistent with his or her abilities, aptitudes, 

and interests.

SERVICEMEMBER – An individual who is currently 

serving on active duty. This individual is also 

referred to as a “service person.”

SGLI – Servicemembers Group Life Insurance was 

established in 1965 to meet the insurance needs 

of Servicemembers.

SPECIALLY ADAPTED HOUSING GRANT – A 

one‐time grant to a seriously disabled Veteran 

to assist in adapting his or her home to 

accommodate limitations caused by the disability.

SUBSISTENCE ALLOWANCE (VR&E) – A monthly 

living allowance paid to a qualified Veteran in a

program of vocational rehabilitation. The allowance 

is generally paid to those Veterans who are 

enrolled in education or training programs. The 

amount is based on training time and number 

of dependents.
C6 Annual Benefits Report FY 2010 Appendices

SURVIVORS’ AND DEPENDENTS’ EDUCATIONAL 

ASSISTANCE (DEA) – Under Chapter 35 of Title 

38, U.S. Code, a monetary educational benefit 

payable to eligible dependents and survivors 

of Veterans.

TITLE 38 CODE OF FEDERAL REGULATIONS –

Regulations that pertain to Veterans’ benefits.

TOTAL DISABILITY INCOME (INS) – An option 

available with some insurance policies that 

provides for monthly payments to policyholders 

who, prior to their 65th birthday, have incurred a 

mental or physical disability which prevents them 

from performing substantially gainful employment.

TOTAL AND PERMANENT DISABILITY – Total 

ratings are authorized for any disability or 

combination of disabilities for which the Schedule 

of Rating Disabilities prescribes a 100% evaluation 

or, where less than 100%, the requirements for 

Individual Unemployability are met. Permanence 

of total disability is considered to exist when the 

impairment is reasonably certain to continue 

throughout the life of the disabled Veteran and 

generally requires no future medical exams.

TSGLI – The Traumatic Injury Protection Program 

provides automatic traumatic injury coverage 

to all Servicemembers covered under the 

Servicemembers’ Group Life Insurance (SGLI) 

program. Every member who has SGLI also has 

TSGLI effective December 1, 2005. This coverage 

applies to active duty members, reservists, 

funeral honors duty and one-day muster duty. This 

benefit is also provided retroactively for members 

who incur certain severe losses as a result of a 

traumatic injury between October 7, 2001, and 

December 1, 2005, if the loss was the direct 

result of injuries incurred in Operations Enduring 

Freedom or Iraqi Freedom.

USGLI – United States Government Life Insurance 

was established in 1919 to meet the insurance 

needs of World War I Veterans. This program 

closed in 1951.

VEAP – The Veterans Educational Assistance 

Program (Chapter 32 of Title 38, U.S. Code) is a 

contributory educational assistance program for 

Post-Vietnam Era Veterans.

VETERAN – A person who served in the active 

military, naval, or air service, and who was 

discharged or released under conditions other 

than dishonorable.

VGLI – Veterans Group Life Insurance was 

established in 1974 to meet the insurance needs 

of Veterans after separation from service.

VMLI – Veterans Mortgage Life Insurance was 

established in 1971 to provide mortgage protection 

life insurance to severely disabled Veterans who 

have received grants for the purchase of specially 

adapted housing.

VR&E – The Vocational Rehabilitation and 

Employment (VR&E) Program is available to help 

service-disabled Veterans become employable and 

live independently.

VRI – Veterans’ Reopened Insurance was 

established in 1965 to provide insurance 

protection for certain classes of disabled Veterans 

from World War II and the Korean Conflict. The

program closed in 1966.

VSLI – Veterans Special Life Insurance was 

established in 1951 to meet the insurance needs 

of Veterans who served during the Korean Conflict

and post-Korean era. The program closed in 1956.

ZERO (0) PERCENT DISABILITY – A zero percent 

disability rating means that a disability exists

and is related to the Veteran’s service but is 

not so disabling that it entitles the Veteran 

to compensation payments. Also called a 

non‐compensable disability.
Veterans Benefits Administration Making a difference D1Appendices

Internet References

VA WEBSITES

Department of Veterans Affairs Home Page ................... http://www.va.gov 

Health Care...................................http://www.va.gov/vbs/health/index.htm 

National Cemetery Administration............................http://www.cem.va.gov 

Office of Congressional Affairs..............http://www4.va.gov/oca/index.asp

Public Affairs & Special Events.............. http://www.va.gov/opa/index.htm 

About VA ..........................................................http://www.va.gov/about_va/

Links to VA organizations.................................................. http://www.va.gov/ 

Online Applications.................................http://www.va.gov/onlineapps.htm 

Online Forms......................................................http://www.va.gov/vaforms/ 

Facility Locator................................................................... http://www.va.gov/ 

Contact Information ............................................................https://iris.va.gov/ 

Veteran Data & Information..............................http://www.va.gov/vetdata/ 

VBA WEBSITES

Veterans Benefits Administration Home Page ........http://www.vba.va.gov 

Compensation & Pension.......... http://www.vba.va.gov/bln/21/index.htm 

Education................................................................... http://www.gibill.va.gov/ 

Life Insurance...................................................http://www.insurance.va.gov/ 

Loan Guaranty................................................. http://www.homeloans.va.gov 

Vocational Rehabilitation 

& Employment.............................http://www.vba.va.gov/bln/vre/index.htm

Veterans Benefits Administration Making a difference E1Appendices

Summary of Fiscal Year 2010 Benefits

Compensation and Pension 

Estimated Veteran Population 22,658,145

Disability Compensation Recipients 3,210,261 

Estimated Monthly Disability Compensation Costs $3,040,497,153

Estimated Annual Disability Compensation Costs $36,485,965,838

Disability Compensation by Age 34 and under 323,776 

Disability Compensation by Age 35-54 951,490 

Disability Compensation by Age 55-74 1,426,618 

Disability Compensation by Age 75-84 307,669 

Disability Compensation by Age 85 and over 200,708 

Disability Pension Recipients 313,563 

Estimated Monthly Disability Pension Costs $263,398,360

Estimated Annual Disability Pension Costs $3,160,780,316

Disability Pension by Age under 45 6,159 

Disability Pension by Age 45-54 14,365 

Disability Pension by Age 55-69 149,986 

Disability Pension by Age 70-84 81,490 

Disability Pension by Age 85 and over 61,564 

Education 

MGIB-AD Trainees 247,105 

MGIB-SR Trainees 67,373 

DEA Trainees 89,696 

VEAP Trainees 286 

REAP Trainees 30,269 

Post 9/11 Trainees 384,552 

Insurance 

Life Insurance Payments $1,696,055,141

Total Face Value of Insurance $13,825,609,268

Total Number of Policies 1,167,081

Loan Guaranty 

Number of Loans 314,011 

Total Loan Amount $65,050,602,993

Vocational Rehabilitation and Employment 

Number of Applicants 69,390

Number of Plans Developed 27,904

Number of Entitlement Decisions 41,102

Number of Veterans Rehabilitated through Independent Living 2,591

Number of Veterans Rehabilitated by Obtaining Suitable Employment 7,447

VR&E Note: The number of Veterans Rehabilitated through Independent Living and by Obtaining Suitable Employment are calculated through 

a different data filter than that producing the National ABR totals, which yields a different summary result.

Education Note: State statistics are not available for the Post-9/11 GI Bill
E2 Annual Benefits Report FY 2010 Appendices

Alabama

Compensation and Pension 

Estimated Veteran Population 405,624

Disability Compensation Recipients 71,784 

Estimated Monthly Disability Compensation Costs $69,018,743

Estimated Annual Disability Compensation Costs $828,224,916

Disability Compensation by Age 34 and under 5,450 

Disability Compensation by Age 35-54 23,074 

Disability Compensation by Age 55-74 34,041 

Disability Compensation by Age 75-84 6,271 

Disability Compensation by Age 85 and over 2,949 

Disability Pension Recipients 9,241 

Estimated Monthly Disability Pension Costs $8,588,332

Estimated Annual Disability Pension Costs $103,059,989

Disability Pension by Age under 45 154 

Disability Pension by Age 45-54 332 

Disability Pension by Age 55-69 3,518 

Disability Pension by Age 70-84 3,061 

Disability Pension by Age 85 and over 2,175 

Education 

MGIB-AD Trainees 5,779

MGIB-SR Trainees 2,075

DEA Trainees 3,102

VEAP Trainees 5

REAP Trainees 883

Post 9/11 Trainees 7,738 

Insurance 

Life Insurance Payments $24,436,054

Total Face Value of Insurance $199,193,606

Total Number of Policies 16,914

Loan Guaranty 

Number of Loans 7,367 

Total Loan Amount $1,368,451,101

Vocational Rehabilitation and Employment 

Number of Applicants 1,989

Number of Plans Developed 887

Number of Entitlement Decisions 1,112

Number of Veterans Rehabilitated through Independent Living 224

Number of Veterans Rehabilitated by Obtaining Suitable Employment 242
Veterans Benefits Administration Making a difference E3Appendices

Alaska

Compensation and Pension 

Estimated Veteran Population 77,025

Disability Compensation Recipients 14,071 

Estimated Monthly Disability Compensation Costs $11,838,595

Estimated Annual Disability Compensation Costs $142,063,134

Disability Compensation by Age 34 and under 1,445 

Disability Compensation by Age 35-54 6,263 

Disability Compensation by Age 55-74 5,611 

Disability Compensation by Age 75-84 560 

Disability Compensation by Age 85 and over 192 

Disability Pension Recipients 289 

Estimated Monthly Disability Pension Costs $233,200

Estimated Annual Disability Pension Costs $2,798,397

Disability Pension by Age under 45 5 

Disability Pension by Age 45-54 15 

Disability Pension by Age 55-69 216 

Disability Pension by Age 70-84 31 

Disability Pension by Age 85 and over 22 

Education 

MGIB-AD Trainees 561

MGIB-SR Trainees 170

DEA Trainees 164

VEAP Trainees 1

REAP Trainees 28

Post 9/11 Trainees 1,781 

Insurance 

Life Insurance Payments $2,433,377

Total Face Value of Insurance $19,835,979

Total Number of Policies 1,499

Loan Guaranty 

Number of Loans 2,861 

Total Loan Amount $752,152,436

Vocational Rehabilitation and Employment 

Number of Applicants 300

Number of Plans Developed 125

Number of Entitlement Decisions 150

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 21
E4 Annual Benefits Report FY 2010 Appendices

Arizona

Compensation and Pension 

Estimated Veteran Population 556,729

Disability Compensation Recipients 74,529 

Estimated Monthly Disability Compensation Costs $71,948,284

Estimated Annual Disability Compensation Costs $863,379,412

Disability Compensation by Age 34 and under 8,474 

Disability Compensation by Age 35-54 21,160 

Disability Compensation by Age 55-74 33,115 

Disability Compensation by Age 75-84 7,506 

Disability Compensation by Age 85 and over 4,274 

Disability Pension Recipients 5,340 

Estimated Monthly Disability Pension Costs $4,188,212

Estimated Annual Disability Pension Costs $50,258,538

Disability Pension by Age under 45 98 

Disability Pension by Age 45-54 257 

Disability Pension by Age 55-69 2,710 

Disability Pension by Age 70-84 1,377 

Disability Pension by Age 85 and over 898 

Education 

MGIB-AD Trainees 21,012 

MGIB-SR Trainees 2,132 

DEA Trainees 3,571 

VEAP Trainees 7 

REAP Trainees 1,433 

Post 9/11 Trainees 18,588 

Insurance 

Life Insurance Payments $37,451,876

Total Face Value of Insurance $305,293,736

Total Number of Policies 25,925

Loan Guaranty 

Number of Loans 10,475 

Total Loan Amount $1,972,944,992

Vocational Rehabilitation and Employment 

Number of Applicants 1,884

Number of Plans Developed 715

Number of Entitlement Decisions 1,303

Number of Veterans Rehabilitated through Independent Living 102

Number of Veterans Rehabilitated by Obtaining Suitable Employment 209
Veterans Benefits Administration Making a difference E5Appendices

Arkansas

Compensation and Pension 

Estimated Veteran Population 254,664

Disability Compensation Recipients 39,612 

Estimated Monthly Disability Compensation Costs $48,068,283

Estimated Annual Disability Compensation Costs $576,819,396

Disability Compensation by Age 34 and under 3,901 

Disability Compensation by Age 35-54 11,627 

Disability Compensation by Age 55-74 18,506 

Disability Compensation by Age 75-84 3,588 

Disability Compensation by Age 85 and over 1,990 

Disability Pension Recipients 4,756 

Estimated Monthly Disability Pension Costs $3,564,962

Estimated Annual Disability Pension Costs $42,779,543

Disability Pension by Age under 45 139 

Disability Pension by Age 45-54 265 

Disability Pension by Age 55-69 2,287 

Disability Pension by Age 70-84 1,188 

Disability Pension by Age 85 and over 877 

Education 

MGIB-AD Trainees 1,639 

MGIB-SR Trainees 1,219 

DEA Trainees 1,760 

VEAP Trainees 2 

REAP Trainees 733 

Post 9/11 Trainees 2,579 

Insurance 

Life Insurance Payments $14,948,744

Total Face Value of Insurance $121,856,585

Total Number of Policies 10,722

Loan Guaranty 

Number of Loans 3,553 

Total Loan Amount $549,952,674

Vocational Rehabilitation and Employment 

Number of Applicants 728

Number of Plans Developed 377

Number of Entitlement Decisions 576

Number of Veterans Rehabilitated through Independent Living 26

Number of Veterans Rehabilitated by Obtaining Suitable Employment 112
E6 Annual Benefits Report FY 2010 Appendices

California

Compensation and Pension 

Estimated Veteran Population 1,971,959

Disability Compensation Recipients 263,526 

Estimated Monthly Disability Compensation Costs $238,699,484

Estimated Annual Disability Compensation Costs $2,864,393,802

Disability Compensation by Age 34 and under 34,753 

Disability Compensation by Age 35-54 70,723 

Disability Compensation by Age 55-74 111,613 

Disability Compensation by Age 75-84 27,444 

Disability Compensation by Age 85 and over 18,993 

Disability Pension Recipients 25,444 

Estimated Monthly Disability Pension Costs $22,335,510

Estimated Annual Disability Pension Costs $268,026,126

Disability Pension by Age under 45 590 

Disability Pension by Age 45-54 1,270 

Disability Pension by Age 55-69 13,022 

Disability Pension by Age 70-84 5,789 

Disability Pension by Age 85 and over 4,773 

Education 

MGIB-AD Trainees 20,642 

MGIB-SR Trainees 2,977 

DEA Trainees 7,283 

VEAP Trainees 31 

REAP Trainees 800 

Post 9/11 Trainees 44,906 

Insurance 

Life Insurance Payments $167,521,652

Total Face Value of Insurance $1,365,574,060

Total Number of Policies 110,792

Loan Guaranty 

Number of Loans 21,794 

Total Loan Amount $6,210,470,086

Vocational Rehabilitation and Employment 

Number of Applicants 7,646

Number of Plans Developed 1,774

Number of Entitlement Decisions 3,138

Number of Veterans Rehabilitated through Independent Living 188

Number of Veterans Rehabilitated by Obtaining Suitable Employment 449
Veterans Benefits Administration Making a difference E7Appendices

Colorado

Compensation and Pension 

Estimated Veteran Population 421,342

Disability Compensation Recipients 66,254 

Estimated Monthly Disability Compensation Costs $60,632,460

Estimated Annual Disability Compensation Costs $727,589,520

Disability Compensation by Age 34 and under 7,985 

Disability Compensation by Age 35-54 22,684 

Disability Compensation by Age 55-74 26,893 

Disability Compensation by Age 75-84 5,617 

Disability Compensation by Age 85 and over 3,075 

Disability Pension Recipients 3,563 

Estimated Monthly Disability Pension Costs $2,949,916

Estimated Annual Disability Pension Costs $35,398,991

Disability Pension by Age under 45 80 

Disability Pension by Age 45-54 196 

Disability Pension by Age 55-69 1,871 

Disability Pension by Age 70-84 801 

Disability Pension by Age 85 and over 614 

Education 

MGIB-AD Trainees 6,987 

MGIB-SR Trainees 905 

DEA Trainees 1,735 

VEAP Trainees 7 

REAP Trainees 472 

Post 9/11 Trainees 11,379 

Insurance 

Life Insurance Payments $27,976,284

Total Face Value of Insurance $228,052,239

Total Number of Policies 18,950

Loan Guaranty 

Number of Loans 11,220 

Total Loan Amount $2,576,048,029

Vocational Rehabilitation and Employment 

Number of Applicants 1,559

Number of Plans Developed 648

Number of Entitlement Decisions 940

Number of Veterans Rehabilitated through Independent Living 25

Number of Veterans Rehabilitated by Obtaining Suitable Employment 347

*VR&E total includes Wyoming.
E8 Annual Benefits Report FY 2010 Appendices

Connecticut 

Compensation and Pension 

Estimated Veteran Population 229,734

Disability Compensation Recipients 20,920 

Estimated Monthly Disability Compensation Costs $17,694,017

Estimated Annual Disability Compensation Costs $212,328,208

Disability Compensation by Age 34 and under 2,398 

Disability Compensation by Age 35-54 4,935 

Disability Compensation by Age 55-74 8,734 

Disability Compensation by Age 75-84 2,267 

Disability Compensation by Age 85 and over 2,585 

Disability Pension Recipients 1,980 

Estimated Monthly Disability Pension Costs $1,347,109

Estimated Annual Disability Pension Costs $16,165,314

Disability Pension by Age under 45 26 

Disability Pension by Age 45-54 61 

Disability Pension by Age 55-69 766 

Disability Pension by Age 70-84 511 

Disability Pension by Age 85 and over 617 

Education 

MGIB-AD Trainees 1,169 

MGIB-SR Trainees 507 

DEA Trainees 412 

VEAP Trainees 3 

REAP Trainees 51 

Post 9/11 Trainees 2,208 

Insurance 

Life Insurance Payments $25,972,768

Total Face Value of Insurance $211,720,319

Total Number of Policies 17,917

Loan Guaranty 

Number of Loans 1,244 

Total Loan Amount $300,152,572

Vocational Rehabilitation and Employment 

Number of Applicants 528

Number of Plans Developed 316

Number of Entitlement Decisions 439

Number of Veterans Rehabilitated through Independent Living 68

Number of Veterans Rehabilitated by Obtaining Suitable Employment 59
Veterans Benefits Administration Making a difference E9Appendices

Delaware

Compensation and Pension 

Estimated Veteran Population 78,247

Disability Compensation Recipients 9,543 

Estimated Monthly Disability Compensation Costs $8,452,499

Estimated Annual Disability Compensation Costs $101,429,988

Disability Compensation by Age 34 and under 711 

Disability Compensation by Age 35-54 3,126 

Disability Compensation by Age 55-74 4,260 

Disability Compensation by Age 75-84 924 

Disability Compensation by Age 85 and over 522 

Disability Pension Recipients 526 

Estimated Monthly Disability Pension Costs $392,012

Estimated Annual Disability Pension Costs $4,704,139

Disability Pension by Age under 45 8 

Disability Pension by Age 45-54 23 

Disability Pension by Age 55-69 262 

Disability Pension by Age 70-84 122 

Disability Pension by Age 85 and over 111 

Education 

MGIB-AD Trainees 374 

MGIB-SR Trainees 176 

DEA Trainees 238 

VEAP Trainees 1 

REAP Trainees 54 

Post 9/11 Trainees 1,061 

Insurance 

Life Insurance Payments $5,434,199

Total Face Value of Insurance $44,297,565

Total Number of Policies 4,033

Loan Guaranty 

Number of Loans 1,086 

Total Loan Amount $250,873,349

Vocational Rehabilitation and Employment 

Number of Applicants 129

Number of Plans Developed 48

Number of Entitlement Decisions 67

Number of Veterans Rehabilitated through Independent Living 2

Number of Veterans Rehabilitated by Obtaining Suitable Employment 53
E10 Annual Benefits Report FY 2010 Appendices

District of Columbia

Compensation and Pension 

Estimated Veteran Population 37,268

Disability Compensation Recipients 4,397 

Estimated Monthly Disability Compensation Costs $3,850,589

Estimated Annual Disability Compensation Costs $46,207,068

Disability Compensation by Age 34 and under 436 

Disability Compensation by Age 35-54 1,283 

Disability Compensation by Age 55-74 1,840 

Disability Compensation by Age 75-84 484 

Disability Compensation by Age 85 and over 354 

Disability Pension Recipients 754 

Estimated Monthly Disability Pension Costs $535,238

Estimated Annual Disability Pension Costs $6,422,860

Disability Pension by Age under 45 14 

Disability Pension by Age 45-54 30 

Disability Pension by Age 55-69 423 

Disability Pension by Age 70-84 202 

Disability Pension by Age 85 and over 85 

Education 

MGIB-AD Trainees 434 

MGIB-SR Trainees 50 

DEA Trainees 191 

VEAP Trainees 2 

REAP Trainees 23 

Post 9/11 Trainees 1,485 

Insurance 

Life Insurance Payments $2,853,425

Total Face Value of Insurance $23,260,054

Total Number of Policies 1,896

Loan Guaranty 

Number of Loans 296 

Total Loan Amount $123,875,790

Vocational Rehabilitation and Employment 

Number of Applicants 1,011

Number of Plans Developed 327

Number of Entitlement Decisions 540

Number of Veterans Rehabilitated through Independent Living 4

Number of Veterans Rehabilitated by Obtaining Suitable Employment 29
Veterans Benefits Administration Making a difference E11Appendices

Florida

Compensation and Pension 

Estimated Veteran Population 1,650,876

Disability Compensation Recipients 249,565 

Estimated Monthly Disability Compensation Costs $229,885,526

Estimated Annual Disability Compensation Costs $2,758,626,312

Disability Compensation by Age 34 and under 19,653 

Disability Compensation by Age 35-54 73,794 

Disability Compensation by Age 55-74 108,782 

Disability Compensation by Age 75-84 28,608 

Disability Compensation by Age 85 and over 18,728 

Disability Pension Recipients 22,391 

Estimated Monthly Disability Pension Costs $19,761,003

Estimated Annual Disability Pension Costs $237,132,040

Disability Pension by Age under 45 436 

Disability Pension by Age 45-54 978 

Disability Pension by Age 55-69 10,674 

Disability Pension by Age 70-84 5,580 

Disability Pension by Age 85 and over 4,723 

Education 

MGIB-AD Trainees 20,414 

MGIB-SR Trainees 2,986 

DEA Trainees 6,582 

VEAP Trainees 18 

REAP Trainees 1,227 

Post 9/11 Trainees 28,292 

Insurance 

Life Insurance Payments $149,966,406

Total Face Value of Insurance $1,222,470,241

Total Number of Policies 102,575

Loan Guaranty 

Number of Loans 19,854 

Total Loan Amount $3,794,297,618

Vocational Rehabilitation and Employment 

Number of Applicants 4,210

Number of Plans Developed 1,908

Number of Entitlement Decisions 2,587

Number of Veterans Rehabilitated through Independent Living 159

Number of Veterans Rehabilitated by Obtaining Suitable Employment 415
E12 Annual Benefits Report FY 2010 Appendices

Georgia

Compensation and Pension 

Estimated Veteran Population 773,858

Disability Compensation Recipients 118,198 

Estimated Monthly Disability Compensation Costs $109,831,037

Estimated Annual Disability Compensation Costs $1,317,972,438

Disability Compensation by Age 34 and under 11,089 

Disability Compensation by Age 35-54 46,153 

Disability Compensation by Age 55-74 49,634 

Disability Compensation by Age 75-84 7,817 

Disability Compensation by Age 85 and over 3,505 

Disability Pension Recipients 11,118 

Estimated Monthly Disability Pension Costs $9,483,461

Estimated Annual Disability Pension Costs $113,801,527

Disability Pension by Age under 45 273 

Disability Pension by Age 45-54 584 

Disability Pension by Age 55-69 5,663 

Disability Pension by Age 70-84 2,579 

Disability Pension by Age 85 and over 2,019 

Education 

MGIB-AD Trainees 9,303 

MGIB-SR Trainees 2,473 

DEA Trainees 3,765 

VEAP Trainees 8 

REAP Trainees 618 

Post 9/11 Trainees 12,464 

Insurance 

Life Insurance Payments $41,097,130

Total Face Value of Insurance $335,008,486

Total Number of Policies 28,801

Loan Guaranty 

Number of Loans 14,134 

Total Loan Amount $2,561,281,479

Vocational Rehabilitation and Employment 

Number of Applicants 3,945

Number of Plans Developed 982

Number of Entitlement Decisions 1,698

Number of Veterans Rehabilitated through Independent Living 215

Number of Veterans Rehabilitated by Obtaining Suitable Employment 176
Veterans Benefits Administration Making a difference E13Appendices

Hawaii

Compensation and Pension 

Estimated Veteran Population 116,166

Disability Compensation Recipients 17,681 

Estimated Monthly Disability Compensation Costs $16,592,680

Estimated Annual Disability Compensation Costs $199,112,154

Disability Compensation by Age 34 and under 1,554 

Disability Compensation by Age 35-54 5,458 

Disability Compensation by Age 55-74 7,647 

Disability Compensation by Age 75-84 1,934 

Disability Compensation by Age 85 and over 1,088 

Disability Pension Recipients 691 

Estimated Monthly Disability Pension Costs $529,121

Estimated Annual Disability Pension Costs $6,349,451

Disability Pension by Age under 45 18 

Disability Pension by Age 45-54 31 

Disability Pension by Age 55-69 482 

Disability Pension by Age 70-84 112 

Disability Pension by Age 85 and over 48 

Education 

MGIB-AD Trainees 802 

MGIB-SR Trainees 352 

DEA Trainees 444 

VEAP Trainees 2 

REAP Trainees 87 

Post 9/11 Trainees 4,012 

Insurance 

Life Insurance Payments $15,473,707

Total Face Value of Insurance $126,135,892

Total Number of Policies 8,876

Loan Guaranty 

Number of Loans 2,066 

Total Loan Amount $906,861,319

Vocational Rehabilitation and Employment 

Number of Applicants 1,513

Number of Plans Developed 270

Number of Entitlement Decisions 332

Number of Veterans Rehabilitated through Independent Living 25

Number of Veterans Rehabilitated by Obtaining Suitable Employment 89
E14 Annual Benefits Report FY 2010 Appendices

Idaho

Compensation and Pension 

Estimated Veteran Population 136,625

Disability Compensation Recipients 19,873 

Estimated Monthly Disability Compensation Costs $17,970,836

Estimated Annual Disability Compensation Costs $215,650,032

Disability Compensation by Age 34 and under 2,164 

Disability Compensation by Age 35-54 5,958 

Disability Compensation by Age 55-74 8,812 

Disability Compensation by Age 75-84 1,821 

Disability Compensation by Age 85 and over 1,118 

Disability Pension Recipients 1,417 

Estimated Monthly Disability Pension Costs $1,144,587

Estimated Annual Disability Pension Costs $13,735,050

Disability Pension by Age under 45 27 

Disability Pension by Age 45-54 60 

Disability Pension by Age 55-69 670 

Disability Pension by Age 70-84 352 

Disability Pension by Age 85 and over 308 

Education 

MGIB-AD Trainees 1,134 

MGIB-SR Trainees 618 

DEA Trainees 423 

VEAP Trainees 1 

REAP Trainees 193 

Post 9/11 Trainees 1,576 

Insurance 

Life Insurance Payments $7,635,609

Total Face Value of Insurance $62,242,636

Total Number of Policies 5,429

Loan Guaranty 

Number of Loans 2,444 

Total Loan Amount $425,666,997

Vocational Rehabilitation and Employment 

Number of Applicants 266

Number of Plans Developed 150

Number of Entitlement Decisions 213

Number of Veterans Rehabilitated through Independent Living 14

Number of Veterans Rehabilitated by Obtaining Suitable Employment 0
Veterans Benefits Administration Making a difference E15Appendices

Illinois

Compensation and Pension 

Estimated Veteran Population 782,747

Disability Compensation Recipients 73,150 

Estimated Monthly Disability Compensation Costs $64,823,371

Estimated Annual Disability Compensation Costs $777,880,452

Disability Compensation by Age 34 and under 9,485 

Disability Compensation by Age 35-54 20,604 

Disability Compensation by Age 55-74 32,332 

Disability Compensation by Age 75-84 5,618 

Disability Compensation by Age 85 and over 5,110 

Disability Pension Recipients 9,011 

Estimated Monthly Disability Pension Costs $7,471,205

Estimated Annual Disability Pension Costs $89,654,460

Disability Pension by Age under 45 160 

Disability Pension by Age 45-54 410 

Disability Pension by Age 55-69 4,752 

Disability Pension by Age 70-84 2,144 

Disability Pension by Age 85 and over 1,545 

Education 

MGIB-AD Trainees 12,000 

MGIB-SR Trainees 2,653 

DEA Trainees 2,218 

VEAP Trainees 12 

REAP Trainees 1,602 

Post 9/11 Trainees 13,522 

Insurance 

Life Insurance Payments $68,776,448

Total Face Value of Insurance $560,639,963

Total Number of Policies 44,156

Loan Guaranty 

Number of Loans 6,625 

Total Loan Amount $1,200,551,559

Vocational Rehabilitation and Employment 

Number of Applicants 1,126

Number of Plans Developed 599

Number of Entitlement Decisions 843

Number of Veterans Rehabilitated through Independent Living 7

Number of Veterans Rehabilitated by Obtaining Suitable Employment 119
E16 Annual Benefits Report FY 2010 Appendices

Indiana

Compensation and Pension 

Estimated Veteran Population 491,605

Disability Compensation Recipients 61,225 

Estimated Monthly Disability Compensation Costs $48,792,181

Estimated Annual Disability Compensation Costs $585,506,172

Disability Compensation by Age 34 and under 5,892 

Disability Compensation by Age 35-54 17,380 

Disability Compensation by Age 55-74 28,761 

Disability Compensation by Age 75-84 5,437 

Disability Compensation by Age 85 and over 3,755 

Disability Pension Recipients 5,011 

Estimated Monthly Disability Pension Costs $4,472,377

Estimated Annual Disability Pension Costs $53,668,518

Disability Pension by Age under 45 106 

Disability Pension by Age 45-54 233 

Disability Pension by Age 55-69 2,391 

Disability Pension by Age 70-84 1,218 

Disability Pension by Age 85 and over 1,062 

Education 

MGIB-AD Trainees 2,925 

MGIB-SR Trainees 1,892 

DEA Trainees 1,249 

VEAP Trainees 5 

REAP Trainees 840 

Post 9/11 Trainees 5,061 

Insurance 

Life Insurance Payments $25,762,565

Total Face Value of Insurance $210,006,827

Total Number of Policies 17,649

Loan Guaranty 

Number of Loans 4,936 

Total Loan Amount $723,828,318

Vocational Rehabilitation and Employment 

Number of Applicants 1,372

Number of Plans Developed 873

Number of Entitlement Decisions 1,296

Number of Veterans Rehabilitated through Independent Living 141

Number of Veterans Rehabilitated by Obtaining Suitable Employment 63
Veterans Benefits Administration Making a difference E17Appendices

Iowa

Compensation and Pension 

Estimated Veteran Population 234,552

Disability Compensation Recipients 28,181 

Estimated Monthly Disability Compensation Costs $23,233,204

Estimated Annual Disability Compensation Costs $278,798,448

Disability Compensation by Age 34 and under 2,773 

Disability Compensation by Age 35-54 7,075 

Disability Compensation by Age 55-74 12,672 

Disability Compensation by Age 75-84 3,337 

Disability Compensation by Age 85 and over 2,325 

Disability Pension Recipients 3,446 

Estimated Monthly Disability Pension Costs $2,960,129

Estimated Annual Disability Pension Costs $35,521,542

Disability Pension by Age under 45 40 

Disability Pension by Age 45-54 167 

Disability Pension by Age 55-69 1,463 

Disability Pension by Age 70-84 993 

Disability Pension by Age 85 and over 782 

Education 

MGIB-AD Trainees 6,237 

MGIB-SR Trainees 1,834 

DEA Trainees 889 

VEAP Trainees 3 

REAP Trainees 887 

Post 9/11 Trainees 4,640 

Insurance 

Life Insurance Payments $20,984,067

Total Face Value of Insurance $171,054,295

Total Number of Policies 12,949

Loan Guaranty 

Number of Loans 1,718 

Total Loan Amount $267,573,772

Vocational Rehabilitation and Employment 

Number of Applicants 761

Number of Plans Developed 335

Number of Entitlement Decisions 423

Number of Veterans Rehabilitated through Independent Living 12

Number of Veterans Rehabilitated by Obtaining Suitable Employment 66
E18 Annual Benefits Report FY 2010 Appendices

Kansas

Compensation and Pension 

Estimated Veteran Population 225,091

Disability Compensation Recipients 28,686 

Estimated Monthly Disability Compensation Costs $24,449,724

Estimated Annual Disability Compensation Costs $293,396,688

Disability Compensation by Age 34 and under 2,927 

Disability Compensation by Age 35-54 8,775 

Disability Compensation by Age 55-74 12,515 

Disability Compensation by Age 75-84 2,590 

Disability Compensation by Age 85 and over 1,879 

Disability Pension Recipients 2,749 

Estimated Monthly Disability Pension Costs $2,196,996

Estimated Annual Disability Pension Costs $26,363,947

Disability Pension by Age under 45 53 

Disability Pension by Age 45-54 136 

Disability Pension by Age 55-69 1,330 

Disability Pension by Age 70-84 665 

Disability Pension by Age 85 and over 565 

Education 

MGIB-AD Trainees 2,354 

MGIB-SR Trainees 797 

DEA Trainees 680 

VEAP Trainees 3 

REAP Trainees 415 

Post 9/11 Trainees 3,495 

Insurance 

Life Insurance Payments $16,089,183

Total Face Value of Insurance $131,153,025

Total Number of Policies 10,726

Loan Guaranty 

Number of Loans 3,561 

Total Loan Amount $598,980,271

Vocational Rehabilitation and Employment 

Number of Applicants 558

Number of Plans Developed 248

Number of Entitlement Decisions 342

Number of Veterans Rehabilitated through Independent Living 4

Number of Veterans Rehabilitated by Obtaining Suitable Employment 67
Veterans Benefits Administration Making a difference E19Appendices

Kentucky

Compensation and Pension 

Estimated Veteran Population 335,670

Disability Compensation Recipients 51,810 

Estimated Monthly Disability Compensation Costs $56,731,247

Estimated Annual Disability Compensation Costs $680,774,964

Disability Compensation by Age 34 and under 4,779 

Disability Compensation by Age 35-54 15,642 

Disability Compensation by Age 55-74 24,182 

Disability Compensation by Age 75-84 4,453 

Disability Compensation by Age 85 and over 2,754 

Disability Pension Recipients 5,664 

Estimated Monthly Disability Pension Costs $4,471,707

Estimated Annual Disability Pension Costs $53,660,484

Disability Pension by Age under 45 106 

Disability Pension by Age 45-54 271 

Disability Pension by Age 55-69 2,889 

Disability Pension by Age 70-84 1,497 

Disability Pension by Age 85 and over 900 

Education 

MGIB-AD Trainees 2,282 

MGIB-SR Trainees 1,130 

DEA Trainees 1,819 

VEAP Trainees 4 

REAP Trainees 502 

Post 9/11 Trainees 3,852 

Insurance 

Life Insurance Payments $17,963,798

Total Face Value of Insurance $146,434,186

Total Number of Policies 12,580

Loan Guaranty 

Number of Loans 4,329 

Total Loan Amount $714,406,310

Vocational Rehabilitation and Employment 

Number of Applicants 1,369

Number of Plans Developed 672

Number of Entitlement Decisions 901

Number of Veterans Rehabilitated through Independent Living 38

Number of Veterans Rehabilitated by Obtaining Suitable Employment 168
E20 Annual Benefits Report FY 2010 Appendices

Louisiana

Compensation and Pension 

Estimated Veteran Population 304,889

Disability Compensation Recipients 43,141 

Estimated Monthly Disability Compensation Costs $45,459,542

Estimated Annual Disability Compensation Costs $545,514,504

Disability Compensation by Age 34 and under 4,577 

Disability Compensation by Age 35-54 12,415 

Disability Compensation by Age 55-74 20,026 

Disability Compensation by Age 75-84 3,965 

Disability Compensation by Age 85 and over 2,157 

Disability Pension Recipients 7,632 

Estimated Monthly Disability Pension Costs $6,261,197

Estimated Annual Disability Pension Costs $75,134,367

Disability Pension by Age under 45 164 

Disability Pension by Age 45-54 315 

Disability Pension by Age 55-69 3,669 

Disability Pension by Age 70-84 2,050 

Disability Pension by Age 85 and over 1,434 

Education 

MGIB-AD Trainees 2,357 

MGIB-SR Trainees 1,222 

DEA Trainees 1,564 

VEAP Trainees 3 

REAP Trainees 390 

Post 9/11 Trainees 3,992 

Insurance 

Life Insurance Payments $19,542,961

Total Face Value of Insurance $159,306,931

Total Number of Policies 13,294

Loan Guaranty 

Number of Loans 3,773 

Total Loan Amount $710,457,491

Vocational Rehabilitation and Employment 

Number of Applicants 871

Number of Plans Developed 504

Number of Entitlement Decisions 698

Number of Veterans Rehabilitated through Independent Living 17

Number of Veterans Rehabilitated by Obtaining Suitable Employment 74
Veterans Benefits Administration Making a difference E21Appendices

Maine

Compensation and Pension 

Estimated Veteran Population 138,551

Disability Compensation Recipients 22,768 

Estimated Monthly Disability Compensation Costs $26,795,686

Estimated Annual Disability Compensation Costs $321,548,232

Disability Compensation by Age 34 and under 1,772 

Disability Compensation by Age 35-54 6,226 

Disability Compensation by Age 55-74 10,825 

Disability Compensation by Age 75-84 2,492 

Disability Compensation by Age 85 and over 1,453 

Disability Pension Recipients 2,190 

Estimated Monthly Disability Pension Costs $1,610,310

Estimated Annual Disability Pension Costs $19,323,716

Disability Pension by Age under 45 76 

Disability Pension by Age 45-54 91 

Disability Pension by Age 55-69 1,178 

Disability Pension by Age 70-84 562 

Disability Pension by Age 85 and over 283 

Education 

MGIB-AD Trainees 535 

MGIB-SR Trainees 286 

DEA Trainees 699 

VEAP Trainees 1 

REAP Trainees 68 

Post 9/11 Trainees 1,144 

Insurance 

Life Insurance Payments $9,593,619

Total Face Value of Insurance $78,203,607

Total Number of Policies 7,145

Loan Guaranty 

Number of Loans 1,012 

Total Loan Amount $186,499,069

Vocational Rehabilitation and Employment 

Number of Applicants 371

Number of Plans Developed 219

Number of Entitlement Decisions 399

Number of Veterans Rehabilitated through Independent Living 20

Number of Veterans Rehabilitated by Obtaining Suitable Employment 80
E22 Annual Benefits Report FY 2010 Appendices

Maryland

Compensation and Pension 

Estimated Veteran Population 471,238

Disability Compensation Recipients 58,260 

Estimated Monthly Disability Compensation Costs $48,844,816

Estimated Annual Disability Compensation Costs $586,137,786

Disability Compensation by Age 34 and under 5,952 

Disability Compensation by Age 35-54 22,698 

Disability Compensation by Age 55-74 22,784 

Disability Compensation by Age 75-84 3,965 

Disability Compensation by Age 85 and over 2,860 

Disability Pension Recipients 3,271 

Estimated Monthly Disability Pension Costs $2,648,597

Estimated Annual Disability Pension Costs $31,783,169

Disability Pension by Age under 45 60 

Disability Pension by Age 45-54 160 

Disability Pension by Age 55-69 1,682 

Disability Pension by Age 70-84 842 

Disability Pension by Age 85 and over 527 

Education 

MGIB-AD Trainees 5,022 

MGIB-SR Trainees 683 

DEA Trainees 1,115 

VEAP Trainees 8 

REAP Trainees 244 

Post 9/11 Trainees 11,006 

Insurance 

Life Insurance Payments $34,555,776

Total Face Value of Insurance $281,685,802

Total Number of Policies 22,361

Loan Guaranty 

Number of Loans 8,813 

Total Loan Amount $2,768,840,222

Vocational Rehabilitation and Employment 

Number of Applicants 591

Number of Plans Developed 533

Number of Entitlement Decisions 673

Number of Veterans Rehabilitated through Independent Living 16

Number of Veterans Rehabilitated by Obtaining Suitable Employment 110
Veterans Benefits Administration Making a difference E23Appendices

Massachusetts

Compensation and Pension 

Estimated Veteran Population 393,722

Disability Compensation Recipients 53,000 

Estimated Monthly Disability Compensation Costs $48,107,014

Estimated Annual Disability Compensation Costs $577,284,162

Disability Compensation by Age 34 and under 4,311 

Disability Compensation by Age 35-54 10,113 

Disability Compensation by Age 55-74 22,265 

Disability Compensation by Age 75-84 9,003 

Disability Compensation by Age 85 and over 7,309 

Disability Pension Recipients 4,094 

Estimated Monthly Disability Pension Costs $3,300,663

Estimated Annual Disability Pension Costs $39,607,958

Disability Pension by Age under 45 64 

Disability Pension by Age 45-54 179 

Disability Pension by Age 55-69 1,888 

Disability Pension by Age 70-84 1,052 

Disability Pension by Age 85 and over 911 

Education 

MGIB-AD Trainees 1,947 

MGIB-SR Trainees 854 

DEA Trainees 1,047 

VEAP Trainees 7 

REAP Trainees 293 

Post 9/11 Trainees 4,644 

Insurance 

Life Insurance Payments $43,369,961

Total Face Value of Insurance $353,535,753

Total Number of Policies 32,401

Loan Guaranty 

Number of Loans 2,082 

Total Loan Amount $559,508,144

Vocational Rehabilitation and Employment 

Number of Applicants 573

Number of Plans Developed 211

Number of Entitlement Decisions 367

Number of Veterans Rehabilitated through Independent Living 1

Number of Veterans Rehabilitated by Obtaining Suitable Employment 80
E24 Annual Benefits Report FY 2010 Appendices

Michigan

Compensation and Pension 

Estimated Veteran Population 703,970

Disability Compensation Recipients 73,418 

Estimated Monthly Disability Compensation Costs $68,756,068

Estimated Annual Disability Compensation Costs $825,072,816

Disability Compensation by Age 34 and under 6,138 

Disability Compensation by Age 35-54 17,988 

Disability Compensation by Age 55-74 36,234 

Disability Compensation by Age 75-84 6,887 

Disability Compensation by Age 85 and over 6,170 

Disability Pension Recipients 9,940 

Estimated Monthly Disability Pension Costs $9,392,901

Estimated Annual Disability Pension Costs $112,714,818

Disability Pension by Age under 45 221 

Disability Pension by Age 45-54 518 

Disability Pension by Age 55-69 5,021 

Disability Pension by Age 70-84 2,192 

Disability Pension by Age 85 and over 1,988 

Education 

MGIB-AD Trainees 3,426 

MGIB-SR Trainees 1,439 

DEA Trainees 1,805 

VEAP Trainees 11 

REAP Trainees 444 

Post 9/11 Trainees 6,634 

Insurance 

Life Insurance Payments $46,396,471

Total Face Value of Insurance $378,206,739

Total Number of Policies 33,637

Loan Guaranty 

Number of Loans 3,140 

Total Loan Amount $463,277,650

Vocational Rehabilitation and Employment 

Number of Applicants 1,417

Number of Plans Developed 978

Number of Entitlement Decisions 1,301

Number of Veterans Rehabilitated through Independent Living 229

Number of Veterans Rehabilitated by Obtaining Suitable Employment 38
Veterans Benefits Administration Making a difference E25Appendices

Minnesota

Compensation and Pension 

Estimated Veteran Population 381,309

Disability Compensation Recipients 68,870 

Estimated Monthly Disability Compensation Costs $54,805,251

Estimated Annual Disability Compensation Costs $657,663,012

Disability Compensation by Age 34 and under 6,055 

Disability Compensation by Age 35-54 13,185 

Disability Compensation by Age 55-74 33,193 

Disability Compensation by Age 75-84 10,319 

Disability Compensation by Age 85 and over 6,118 

Disability Pension Recipients 4,239 

Estimated Monthly Disability Pension Costs $3,285,490

Estimated Annual Disability Pension Costs $39,425,879

Disability Pension by Age under 45 75 

Disability Pension by Age 45-54 211 

Disability Pension by Age 55-69 1,794 

Disability Pension by Age 70-84 1,164 

Disability Pension by Age 85 and over 994 

Education 

MGIB-AD Trainees 3,698 

MGIB-SR Trainees 1,957 

DEA Trainees 1,625 

VEAP Trainees 7 

REAP Trainees 762 

Post 9/11 Trainees 7,125 

Insurance 

Life Insurance Payments $36,391,078

Total Face Value of Insurance $296,646,502

Total Number of Policies 26,660

Loan Guaranty 

Number of Loans 3,449 

Total Loan Amount $663,773,385

Vocational Rehabilitation and Employment 

Number of Applicants 865

Number of Plans Developed 428

Number of Entitlement Decisions 664

Number of Veterans Rehabilitated through Independent Living 10

Number of Veterans Rehabilitated by Obtaining Suitable Employment 124
E26 Annual Benefits Report FY 2010 Appendices

Mississippi

Compensation and Pension 

Estimated Veteran Population 205,644

Disability Compensation Recipients 31,026 

Estimated Monthly Disability Compensation Costs $29,695,135

Estimated Annual Disability Compensation Costs $356,341,620

Disability Compensation by Age 34 and under 2,500 

Disability Compensation by Age 35-54 9,602 

Disability Compensation by Age 55-74 14,251 

Disability Compensation by Age 75-84 2,999 

Disability Compensation by Age 85 and over 1,674 

Disability Pension Recipients 4,803 

Estimated Monthly Disability Pension Costs $3,582,404

Estimated Annual Disability Pension Costs $42,988,850

Disability Pension by Age under 45 84 

Disability Pension by Age 45-54 196 

Disability Pension by Age 55-69 1,949 

Disability Pension by Age 70-84 1,390 

Disability Pension by Age 85 and over 1,183 

Education 

MGIB-AD Trainees 1,307 

MGIB-SR Trainees 1,428 

DEA Trainees 916 

VEAP Trainees 2 

REAP Trainees 571 

Post 9/11 Trainees 2,928 

Insurance 

Life Insurance Payments $11,758,123

Total Face Value of Insurance $95,847,837

Total Number of Policies 8,208

Loan Guaranty 

Number of Loans 2,210 

Total Loan Amount $382,363,838

Vocational Rehabilitation and Employment 

Number of Applicants 601

Number of Plans Developed 216

Number of Entitlement Decisions 242

Number of Veterans Rehabilitated through Independent Living 27

Number of Veterans Rehabilitated by Obtaining Suitable Employment 60
Veterans Benefits Administration Making a difference E27Appendices

Missouri

Compensation and Pension 

Estimated Veteran Population 505,916

Disability Compensation Recipients 67,163 

Estimated Monthly Disability Compensation Costs $62,065,056

Estimated Annual Disability Compensation Costs $744,780,672

Disability Compensation by Age 34 and under 5,784 

Disability Compensation by Age 35-54 17,920 

Disability Compensation by Age 55-74 31,948 

Disability Compensation by Age 75-84 6,957 

Disability Compensation by Age 85 and over 4,555 

Disability Pension Recipients 8,141 

Estimated Monthly Disability Pension Costs $7,365,396

Estimated Annual Disability Pension Costs $88,384,747

Disability Pension by Age under 45 100 

Disability Pension by Age 45-54 352 

Disability Pension by Age 55-69 3,713 

Disability Pension by Age 70-84 2,237 

Disability Pension by Age 85 and over 1,739 

Education 

MGIB-AD Trainees 7,831 

MGIB-SR Trainees 2,154 

DEA Trainees 1,673 

VEAP Trainees 8 

REAP Trainees 1,643 

Post 9/11 Trainees 7,512 

Insurance 

Life Insurance Payments $32,336,114

Total Face Value of Insurance $263,591,947

Total Number of Policies 22,378

Loan Guaranty 

Number of Loans 6,347 

Total Loan Amount $1,019,662,659

Vocational Rehabilitation and Employment 

Number of Applicants 1,041

Number of Plans Developed 476

Number of Entitlement Decisions 729

Number of Veterans Rehabilitated through Independent Living 45

Number of Veterans Rehabilitated by Obtaining Suitable Employment 119
E28 Annual Benefits Report FY 2010 Appendices

Montana

Compensation and Pension 

Estimated Veteran Population 102,015

Disability Compensation Recipients 18,079 

Estimated Monthly Disability Compensation Costs $17,003,472

Estimated Annual Disability Compensation Costs $204,041,664

Disability Compensation by Age 34 and under 2,166 

Disability Compensation by Age 35-54 4,873 

Disability Compensation by Age 55-74 8,435 

Disability Compensation by Age 75-84 1,607 

Disability Compensation by Age 85 and over 997 

Disability Pension Recipients 1,576 

Estimated Monthly Disability Pension Costs $1,267,746

Estimated Annual Disability Pension Costs $15,212,955

Disability Pension by Age under 45 33 

Disability Pension by Age 45-54 67 

Disability Pension by Age 55-69 816 

Disability Pension by Age 70-84 401 

Disability Pension by Age 85 and over 259 

Education 

MGIB-AD Trainees 651 

MGIB-SR Trainees 372 

DEA Trainees 359 

VEAP Trainees 1 

REAP Trainees 78 

Post 9/11 Trainees 1,251 

Insurance 

Life Insurance Payments $6,944,983

Total Face Value of Insurance $56,612,915

Total Number of Policies 4,757

Loan Guaranty 

Number of Loans 1,495 

Total Loan Amount $284,558,352

Vocational Rehabilitation and Employment 

Number of Applicants 405

Number of Plans Developed 276

Number of Entitlement Decisions 334

Number of Veterans Rehabilitated through Independent Living 3

Number of Veterans Rehabilitated by Obtaining Suitable Employment 57
Veterans Benefits Administration Making a difference E29Appendices

Nebraska

Compensation and Pension 

Estimated Veteran Population 145,237

Disability Compensation Recipients 34,357 

Estimated Monthly Disability Compensation Costs $27,855,367

Estimated Annual Disability Compensation Costs $334,264,398

Disability Compensation by Age 34 and under 2,826 

Disability Compensation by Age 35-54 8,246 

Disability Compensation by Age 55-74 15,018 

Disability Compensation by Age 75-84 5,618 

Disability Compensation by Age 85 and over 2,650 

Disability Pension Recipients 1,630 

Estimated Monthly Disability Pension Costs $1,391,120

Estimated Annual Disability Pension Costs $16,693,440

Disability Pension by Age under 45 31 

Disability Pension by Age 45-54 73 

Disability Pension by Age 55-69 782 

Disability Pension by Age 70-84 457 

Disability Pension by Age 85 and over 287 

Education 

MGIB-AD Trainees 2,295 

MGIB-SR Trainees 854 

DEA Trainees 854 

VEAP Trainees 2 

REAP Trainees 404 

Post 9/11 Trainees 2,483 

Insurance 

Life Insurance Payments $12,896,129

Total Face Value of Insurance $105,124,437

Total Number of Policies 8,462

Loan Guaranty 

Number of Loans 2,690 

Total Loan Amount $450,150,754

Vocational Rehabilitation and Employment 

Number of Applicants 420

Number of Plans Developed 227

Number of Entitlement Decisions 293

Number of Veterans Rehabilitated through Independent Living 6

Number of Veterans Rehabilitated by Obtaining Suitable Employment 50
E30 Annual Benefits Report FY 2010 Appendices

Nevada

Compensation and Pension 

Estimated Veteran Population 243,867

Disability Compensation Recipients 31,424 

Estimated Monthly Disability Compensation Costs $29,326,985

Estimated Annual Disability Compensation Costs $351,923,814

Disability Compensation by Age 34 and under 3,093 

Disability Compensation by Age 35-54 9,397 

Disability Compensation by Age 55-74 14,675 

Disability Compensation by Age 75-84 2,926 

Disability Compensation by Age 85 and over 1,332 

Disability Pension Recipients 3,076 

Estimated Monthly Disability Pension Costs $2,449,334

Estimated Annual Disability Pension Costs $29,392,007

Disability Pension by Age under 45 51 

Disability Pension by Age 45-54 156 

Disability Pension by Age 55-69 1,673 

Disability Pension by Age 70-84 809 

Disability Pension by Age 85 and over 386 

Education 

MGIB-AD Trainees 1,711 

MGIB-SR Trainees 411 

DEA Trainees 589 

VEAP Trainees 1 

REAP Trainees 97 

Post 9/11 Trainees 2,919 

Insurance 

Life Insurance Payments $11,441,942

Total Face Value of Insurance $93,270,444

Total Number of Policies 8,413

Loan Guaranty 

Number of Loans 4,854 

Total Loan Amount $971,994,548

Vocational Rehabilitation and Employment 

Number of Applicants 516

Number of Plans Developed 230

Number of Entitlement Decisions 384

Number of Veterans Rehabilitated through Independent Living 33

Number of Veterans Rehabilitated by Obtaining Suitable Employment 83
Veterans Benefits Administration Making a difference E31Appendices

New Hampshire

Compensation and Pension 

Estimated Veteran Population 127,964

Disability Compensation Recipients 15,570 

Estimated Monthly Disability Compensation Costs $13,760,374

Estimated Annual Disability Compensation Costs $165,124,488

Disability Compensation by Age 34 and under 1,290 

Disability Compensation by Age 35-54 4,168 

Disability Compensation by Age 55-74 7,201 

Disability Compensation by Age 75-84 1,825 

Disability Compensation by Age 85 and over 1,086 

Disability Pension Recipients 876 

Estimated Monthly Disability Pension Costs $773,687

Estimated Annual Disability Pension Costs $9,284,246

Disability Pension by Age under 45 7 

Disability Pension by Age 45-54 26 

Disability Pension by Age 55-69 341 

Disability Pension by Age 70-84 263 

Disability Pension by Age 85 and over 239 

Education 

MGIB-AD Trainees 425 

MGIB-SR Trainees 245 

DEA Trainees 264 

VEAP Trainees 1 

REAP Trainees 54 

Post 9/11 Trainees 1,101 

Insurance 

Life Insurance Payments $9,114,118

Total Face Value of Insurance $74,294,890

Total Number of Policies 6,470

Loan Guaranty 

Number of Loans 966 

Total Loan Amount $223,923,123

Vocational Rehabilitation and Employment 

Number of Applicants 244

Number of Plans Developed 120

Number of Entitlement Decisions 162

Number of Veterans Rehabilitated through Independent Living 1

Number of Veterans Rehabilitated by Obtaining Suitable Employment 28
E32 Annual Benefits Report FY 2010 Appendices

New Jersey

Compensation and Pension 

Estimated Veteran Population 443,161

Disability Compensation Recipients 49,182 

Estimated Monthly Disability Compensation Costs $46,466,405

Estimated Annual Disability Compensation Costs $557,596,860

Disability Compensation by Age 34 and under 4,275 

Disability Compensation by Age 35-54 9,874 

Disability Compensation by Age 55-74 21,876 

Disability Compensation by Age 75-84 6,762 

Disability Compensation by Age 85 and over 6,395 

Disability Pension Recipients 3,081 

Estimated Monthly Disability Pension Costs $2,664,102

Estimated Annual Disability Pension Costs $31,969,228

Disability Pension by Age under 45 37 

Disability Pension by Age 45-54 106 

Disability Pension by Age 55-69 1,264 

Disability Pension by Age 70-84 829 

Disability Pension by Age 85 and over 844 

Education 

MGIB-AD Trainees 2,274 

MGIB-SR Trainees 947 

DEA Trainees 901 

VEAP Trainees 5 

REAP Trainees 312 

Post 9/11 Trainees 4,619 

Insurance 

Life Insurance Payments $56,325,768

Total Face Value of Insurance $459,146,663

Total Number of Policies 38,626

Loan Guaranty 

Number of Loans 2,535 

Total Loan Amount $649,245,703

Vocational Rehabilitation and Employment 

Number of Applicants 777

Number of Plans Developed 362

Number of Entitlement Decisions 404

Number of Veterans Rehabilitated through Independent Living 78

Number of Veterans Rehabilitated by Obtaining Suitable Employment 77
Veterans Benefits Administration Making a difference E33Appendices

New Mexico

Compensation and Pension 

Estimated Veteran Population 174,687

Disability Compensation Recipients 30,420 

Estimated Monthly Disability Compensation Costs $37,453,544

Estimated Annual Disability Compensation Costs $449,442,528

Disability Compensation by Age 34 and under 2,442 

Disability Compensation by Age 35-54 8,182 

Disability Compensation by Age 55-74 15,035 

Disability Compensation by Age 75-84 3,044 

Disability Compensation by Age 85 and over 1,718 

Disability Pension Recipients 2,617 

Estimated Monthly Disability Pension Costs $2,037,046

Estimated Annual Disability Pension Costs $24,444,553

Disability Pension by Age under 45 63 

Disability Pension by Age 45-54 121 

Disability Pension by Age 55-69 1,371 

Disability Pension by Age 70-84 663 

Disability Pension by Age 85 and over 399 

Education 

MGIB-AD Trainees 2,116 

MGIB-SR Trainees 462 

DEA Trainees 1,322 

VEAP Trainees 3 

REAP Trainees 126 

Post 9/11 Trainees 2,372 

Insurance 

Life Insurance Payments $13,505,544

Total Face Value of Insurance $110,092,159

Total Number of Policies 9,422

Loan Guaranty 

Number of Loans 3,802 

Total Loan Amount $726,662,194

Vocational Rehabilitation and Employment 

Number of Applicants 608

Number of Plans Developed 277

Number of Entitlement Decisions 433

Number of Veterans Rehabilitated through Independent Living 36

Number of Veterans Rehabilitated by Obtaining Suitable Employment 65
E34 Annual Benefits Report FY 2010 Appendices

New York

Compensation and Pension 

Estimated Veteran Population 950,417

Disability Compensation Recipients 107,355 

Estimated Monthly Disability Compensation Costs $97,900,109

Estimated Annual Disability Compensation Costs $1,174,801,302

Disability Compensation by Age 34 and under 11,129 

Disability Compensation by Age 35-54 23,753 

Disability Compensation by Age 55-74 48,495 

Disability Compensation by Age 75-84 12,041 

Disability Compensation by Age 85 and over 11,937 

Disability Pension Recipients 13,512 

Estimated Monthly Disability Pension Costs $10,157,369

Estimated Annual Disability Pension Costs $121,888,427

Disability Pension by Age under 45 216 

Disability Pension by Age 45-54 619 

Disability Pension by Age 55-69 6,199 

Disability Pension by Age 70-84 3,601 

Disability Pension by Age 85 and over 2,877 

Education 

MGIB-AD Trainees 5,420 

MGIB-SR Trainees 1,937 

DEA Trainees 2,517 

VEAP Trainees 14 

REAP Trainees 591 

Post 9/11 Trainees 12,199 

Insurance 

Life Insurance Payments $105,344,391

Total Face Value of Insurance $858,728,206

Total Number of Policies 72,091

Loan Guaranty 

Number of Loans 4,179 

Total Loan Amount $802,784,771

Vocational Rehabilitation and Employment 

Number of Applicants 2,126

Number of Plans Developed 1,115

Number of Entitlement Decisions 1,544

Number of Veterans Rehabilitated through Independent Living 254

Number of Veterans Rehabilitated by Obtaining Suitable Employment 147
Veterans Benefits Administration Making a difference E35Appendices

North Carolina

Compensation and Pension 

Estimated Veteran Population 765,942

Disability Compensation Recipients 128,069 

Estimated Monthly Disability Compensation Costs $129,345,045

Estimated Annual Disability Compensation Costs $1,552,140,540

Disability Compensation by Age 34 and under 12,592 

Disability Compensation by Age 35-54 44,235 

Disability Compensation by Age 55-74 56,607 

Disability Compensation by Age 75-84 9,976 

Disability Compensation by Age 85 and over 4,658 

Disability Pension Recipients 9,335 

Estimated Monthly Disability Pension Costs $6,823,674

Estimated Annual Disability Pension Costs $81,884,089

Disability Pension by Age under 45 150 

Disability Pension by Age 45-54 357 

Disability Pension by Age 55-69 4,176 

Disability Pension by Age 70-84 2,550 

Disability Pension by Age 85 and over 2,103 

Education 

MGIB-AD Trainees 7,973 

MGIB-SR Trainees 1,598 

DEA Trainees 4,267 

VEAP Trainees 7 

REAP Trainees 595 

Post 9/11 Trainees 10,068 

Insurance 

Life Insurance Payments $48,993,548

Total Face Value of Insurance $399,377,136

Total Number of Policies 33,240

Loan Guaranty 

Number of Loans 20,145 

Total Loan Amount $3,619,798,061

Vocational Rehabilitation and Employment 

Number of Applicants 2,279

Number of Plans Developed 608

Number of Entitlement Decisions 1,007

Number of Veterans Rehabilitated through Independent Living 15

Number of Veterans Rehabilitated by Obtaining Suitable Employment 186
E36 Annual Benefits Report FY 2010 Appendices

North Dakota

Compensation and Pension 

Estimated Veteran Population 56,310

Disability Compensation Recipients 10,004 

Estimated Monthly Disability Compensation Costs $7,963,985

Estimated Annual Disability Compensation Costs $95,567,820

Disability Compensation by Age 34 and under 1,165 

Disability Compensation by Age 35-54 2,760 

Disability Compensation by Age 55-74 4,393 

Disability Compensation by Age 75-84 1,085 

Disability Compensation by Age 85 and over 601 

Disability Pension Recipients 824 

Estimated Monthly Disability Pension Costs $566,073

Estimated Annual Disability Pension Costs $6,792,876

Disability Pension by Age under 45 7 

Disability Pension by Age 45-54 29 

Disability Pension by Age 55-69 345 

Disability Pension by Age 70-84 252 

Disability Pension by Age 85 and over 191 

Education 

MGIB-AD Trainees 519 

MGIB-SR Trainees 529 

DEA Trainees 259 

VEAP Trainees 1 

REAP Trainees 255 

Post 9/11 Trainees 857 

Insurance 

Life Insurance Payments $4,301,694

Total Face Value of Insurance $35,065,808

Total Number of Policies 3,032

Loan Guaranty 

Number of Loans 967 

Total Loan Amount $157,047,128

Vocational Rehabilitation and Employment 

Number of Applicants 200

Number of Plans Developed 115

Number of Entitlement Decisions 199

Number of Veterans Rehabilitated through Independent Living 11

Number of Veterans Rehabilitated by Obtaining Suitable Employment 31
Veterans Benefits Administration Making a difference E37Appendices

Ohio

Compensation and Pension 

Estimated Veteran Population 890,340

Disability Compensation Recipients 96,262 

Estimated Monthly Disability Compensation Costs $80,950,949

Estimated Annual Disability Compensation Costs $971,411,382

Disability Compensation by Age 34 and under 9,348 

Disability Compensation by Age 35-54 26,842 

Disability Compensation by Age 55-74 44,458 

Disability Compensation by Age 75-84 8,355 

Disability Compensation by Age 85 and over 7,260 

Disability Pension Recipients 15,711 

Estimated Monthly Disability Pension Costs $14,005,280

Estimated Annual Disability Pension Costs $168,063,361

Disability Pension by Age under 45 435 

Disability Pension by Age 45-54 925 

Disability Pension by Age 55-69 8,777 

Disability Pension by Age 70-84 3,026 

Disability Pension by Age 85 and over 2,548 

Education 

MGIB-AD Trainees 5,295 

MGIB-SR Trainees 3,160 

DEA Trainees 1,991 

VEAP Trainees 11 

REAP Trainees 1,174 

Post 9/11 Trainees 8,994 

Insurance 

Life Insurance Payments $60,306,156

Total Face Value of Insurance $491,593,306

Total Number of Policies 42,820

Loan Guaranty 

Number of Loans 7,451 

Total Loan Amount $1,179,589,857

Vocational Rehabilitation and Employment 

Number of Applicants 1,879

Number of Plans Developed 887

Number of Entitlement Decisions 1,296

Number of Veterans Rehabilitated through Independent Living 28

Number of Veterans Rehabilitated by Obtaining Suitable Employment 99
E38 Annual Benefits Report FY 2010 Appendices

Oklahoma

Compensation and Pension 

Estimated Veteran Population 324,714

Disability Compensation Recipients 67,422 

Estimated Monthly Disability Compensation Costs $79,308,089

Estimated Annual Disability Compensation Costs $951,697,068

Disability Compensation by Age 34 and under 6,260 

Disability Compensation by Age 35-54 17,488 

Disability Compensation by Age 55-74 33,042 

Disability Compensation by Age 75-84 7,128 

Disability Compensation by Age 85 and over 3,504 

Disability Pension Recipients 6,288 

Estimated Monthly Disability Pension Costs $6,135,041

Estimated Annual Disability Pension Costs $73,620,486

Disability Pension by Age under 45 119 

Disability Pension by Age 45-54 320 

Disability Pension by Age 55-69 3,253 

Disability Pension by Age 70-84 1,628 

Disability Pension by Age 85 and over 967 

Education 

MGIB-AD Trainees 3,943 

MGIB-SR Trainees 1,418 

DEA Trainees 2,314 

VEAP Trainees 4 

REAP Trainees 900 

Post 9/11 Trainees 4,129 

Insurance 

Life Insurance Payments $20,718,101

Total Face Value of Insurance $168,886,235

Total Number of Policies 14,944

Loan Guaranty 

Number of Loans 6,390 

Total Loan Amount $1,012,139,919

Vocational Rehabilitation and Employment 

Number of Applicants 1,619

Number of Plans Developed 567

Number of Entitlement Decisions 785

Number of Veterans Rehabilitated through Independent Living 31

Number of Veterans Rehabilitated by Obtaining Suitable Employment 200
Veterans Benefits Administration Making a difference E39Appendices

Oregon

Compensation and Pension 

Estimated Veteran Population 333,752

Disability Compensation Recipients 49,873 

Estimated Monthly Disability Compensation Costs $55,339,760

Estimated Annual Disability Compensation Costs $664,077,120

Disability Compensation by Age 34 and under 5,598 

Disability Compensation by Age 35-54 12,509 

Disability Compensation by Age 55-74 24,135 

Disability Compensation by Age 75-84 4,438 

Disability Compensation by Age 85 and over 3,194 

Disability Pension Recipients 5,534 

Estimated Monthly Disability Pension Costs $4,784,594

Estimated Annual Disability Pension Costs $57,415,122

Disability Pension by Age under 45 115 

Disability Pension by Age 45-54 322 

Disability Pension by Age 55-69 3,159 

Disability Pension by Age 70-84 1,128 

Disability Pension by Age 85 and over 810 

Education 

MGIB-AD Trainees 2,437 

MGIB-SR Trainees 638 

DEA Trainees 1,382 

VEAP Trainees 4 

REAP Trainees 218 

Post 9/11 Trainees 3,937 

Insurance 

Life Insurance Payments $22,208,691

Total Face Value of Insurance $181,036,967

Total Number of Policies 15,481

Loan Guaranty 

Number of Loans 3,966 

Total Loan Amount $845,656,148

Vocational Rehabilitation and Employment 

Number of Applicants 1,347

Number of Plans Developed 591

Number of Entitlement Decisions 1,030

Number of Veterans Rehabilitated through Independent Living 9

Number of Veterans Rehabilitated by Obtaining Suitable Employment 196
E40 Annual Benefits Report FY 2010 Appendices

Pennsylvania

Compensation and Pension 

Estimated Veteran Population 964,132

Disability Compensation Recipients 97,036 

Estimated Monthly Disability Compensation Costs $89,329,601

Estimated Annual Disability Compensation Costs $1,071,955,212

Disability Compensation by Age 34 and under 9,014 

Disability Compensation by Age 35-54 23,616 

Disability Compensation by Age 55-74 44,644 

Disability Compensation by Age 75-84 10,164 

Disability Compensation by Age 85 and over 9,598 

Disability Pension Recipients 14,095 

Estimated Monthly Disability Pension Costs $12,863,168

Estimated Annual Disability Pension Costs $154,358,016

Disability Pension by Age under 45 212 

Disability Pension by Age 45-54 589 

Disability Pension by Age 55-69 6,208 

Disability Pension by Age 70-84 3,565 

Disability Pension by Age 85 and over 3,522 

Education 

MGIB-AD Trainees 4,904 

MGIB-SR Trainees 2,353 

DEA Trainees 2,225 

VEAP Trainees 11 

REAP Trainees 690 

Post 9/11 Trainees 11,815 

Insurance 

Life Insurance Payments $86,058,693

Total Face Value of Insurance $701,518,384

Total Number of Policies 62,640

Loan Guaranty 

Number of Loans 6,309 

Total Loan Amount $1,182,408,022

Vocational Rehabilitation and Employment 

Number of Applicants 1,506

Number of Plans Developed 763

Number of Entitlement Decisions 1,189

Number of Veterans Rehabilitated through Independent Living 42

Number of Veterans Rehabilitated by Obtaining Suitable Employment 281
Veterans Benefits Administration Making a difference E41Appendices

Rhode Island

Compensation and Pension 

Estimated Veteran Population 71,216

Disability Compensation Recipients 9,938 

Estimated Monthly Disability Compensation Costs $9,411,669

Estimated Annual Disability Compensation Costs $112,940,028

Disability Compensation by Age 34 and under 718 

Disability Compensation by Age 35-54 2,209 

Disability Compensation by Age 55-74 4,460 

Disability Compensation by Age 75-84 1,268 

Disability Compensation by Age 85 and over 1,282 

Disability Pension Recipients 983 

Estimated Monthly Disability Pension Costs $875,340

Estimated Annual Disability Pension Costs $10,504,079

Disability Pension by Age under 45 14 

Disability Pension by Age 45-54 43 

Disability Pension by Age 55-69 414 

Disability Pension by Age 70-84 250 

Disability Pension by Age 85 and over 262 

Education 

MGIB-AD Trainees 333 

MGIB-SR Trainees 238 

DEA Trainees 243 

VEAP Trainees 1 

REAP Trainees 80 

Post 9/11 Trainees 953 

Insurance 

Life Insurance Payments $6,745,460

Total Face Value of Insurance $54,986,479

Total Number of Policies 5,185

Loan Guaranty 

Number of Loans 430 

Total Loan Amount $105,947,017

Vocational Rehabilitation and Employment 

Number of Applicants 224

Number of Plans Developed 107

Number of Entitlement Decisions 130

Number of Veterans Rehabilitated through Independent Living 22

Number of Veterans Rehabilitated by Obtaining Suitable Employment 5
E42 Annual Benefits Report FY 2010 Appendices

South Carolina

Compensation and Pension 

Estimated Veteran Population 406,729

Disability Compensation Recipients 66,501 

Estimated Monthly Disability Compensation Costs $69,382,156

Estimated Annual Disability Compensation Costs $832,585,872

Disability Compensation by Age 34 and under 6,021 

Disability Compensation by Age 35-54 21,743 

Disability Compensation by Age 55-74 30,893 

Disability Compensation by Age 75-84 5,521 

Disability Compensation by Age 85 and over 2,324 

Disability Pension Recipients 6,543 

Estimated Monthly Disability Pension Costs $5,494,013

Estimated Annual Disability Pension Costs $65,928,151

Disability Pension by Age under 45 104 

Disability Pension by Age 45-54 242 

Disability Pension by Age 55-69 2,967 

Disability Pension by Age 70-84 1,781 

Disability Pension by Age 85 and over 1,450 

Education 

MGIB-AD Trainees 2,852 

MGIB-SR Trainees 1,597 

DEA Trainees 2,195 

VEAP Trainees 4 

REAP Trainees 341 

Post 9/11 Trainees 6,067 

Insurance 

Life Insurance Payments $26,933,598

Total Face Value of Insurance $219,552,654

Total Number of Policies 18,958

Loan Guaranty 

Number of Loans 7,222 

Total Loan Amount $1,314,576,598

Vocational Rehabilitation and Employment 

Number of Applicants 1,586

Number of Plans Developed 586

Number of Entitlement Decisions 959

Number of Veterans Rehabilitated through Independent Living 37

Number of Veterans Rehabilitated by Obtaining Suitable Employment 205
Veterans Benefits Administration Making a difference E43Appendices

South Dakota

Compensation and Pension 

Estimated Veteran Population 71,762

Disability Compensation Recipients 12,460 

Estimated Monthly Disability Compensation Costs $11,372,886

Estimated Annual Disability Compensation Costs $136,474,632

Disability Compensation by Age 34 and under 1,506 

Disability Compensation by Age 35-54 3,694 

Disability Compensation by Age 55-74 5,538 

Disability Compensation by Age 75-84 1,100 

Disability Compensation by Age 85 and over 622 

Disability Pension Recipients 1,480 

Estimated Monthly Disability Pension Costs $1,132,469

Estimated Annual Disability Pension Costs $13,589,629

Disability Pension by Age under 45 23 

Disability Pension by Age 45-54 54 

Disability Pension by Age 55-69 617 

Disability Pension by Age 70-84 483 

Disability Pension by Age 85 and over 303 

Education 

MGIB-AD Trainees 564 

MGIB-SR Trainees 684 

DEA Trainees 284 

VEAP Trainees 1 

REAP Trainees 226 

Post 9/11 Trainees 826 

Insurance 

Life Insurance Payments $5,717,558

Total Face Value of Insurance $46,607,404

Total Number of Policies 3,907

Loan Guaranty 

Number of Loans 1,150 

Total Loan Amount $196,000,508

Vocational Rehabilitation and Employment 

Number of Applicants 255

Number of Plans Developed 228

Number of Entitlement Decisions 290

Number of Veterans Rehabilitated through Independent Living 7

Number of Veterans Rehabilitated by Obtaining Suitable Employment 84
E44 Annual Benefits Report FY 2010 Appendices

Tennessee

Compensation and Pension 

Estimated Veteran Population 495,766

Disability Compensation Recipients 74,917 

Estimated Monthly Disability Compensation Costs $72,222,533

Estimated Annual Disability Compensation Costs $866,670,390

Disability Compensation by Age 34 and under 6,523 

Disability Compensation by Age 35-54 24,254 

Disability Compensation by Age 55-74 35,142 

Disability Compensation by Age 75-84 5,819 

Disability Compensation by Age 85 and over 3,179 

Disability Pension Recipients 8,692 

Estimated Monthly Disability Pension Costs $6,990,532

Estimated Annual Disability Pension Costs $83,886,386

Disability Pension by Age under 45 135 

Disability Pension by Age 45-54 409 

Disability Pension by Age 55-69 4,336 

Disability Pension by Age 70-84 2,202 

Disability Pension by Age 85 and over 1,610 

Education 

MGIB-AD Trainees 3,430 

MGIB-SR Trainees 1,382 

DEA Trainees 1,829 

VEAP Trainees 5 

REAP Trainees 481 

Post 9/11 Trainees 6,613 

Insurance 

Life Insurance Payments $27,080,827

Total Face Value of Insurance $220,752,809

Total Number of Policies 18,624

Loan Guaranty 

Number of Loans 8,082 

Total Loan Amount $1,394,176,154

Vocational Rehabilitation and Employment 

Number of Applicants 1,420

Number of Plans Developed 454

Number of Entitlement Decisions 655

Number of Veterans Rehabilitated through Independent Living 23

Number of Veterans Rehabilitated by Obtaining Suitable Employment 210
Veterans Benefits Administration Making a difference E45Appendices

Texas

Compensation and Pension 

Estimated Veteran Population 1,693,791

Disability Compensation Recipients 286,784 

Estimated Monthly Disability Compensation Costs $289,434,826

Estimated Annual Disability Compensation Costs $3,473,217,912

Disability Compensation by Age 34 and under 34,497 

Disability Compensation by Age 35-54 90,855 

Disability Compensation by Age 55-74 124,312 

Disability Compensation by Age 75-84 24,869 

Disability Compensation by Age 85 and over 12,251 

Disability Pension Recipients 24,956 

Estimated Monthly Disability Pension Costs $21,231,563

Estimated Annual Disability Pension Costs $254,778,756

Disability Pension by Age under 45 651 

Disability Pension by Age 45-54 1,317 

Disability Pension by Age 55-69 12,682 

Disability Pension by Age 70-84 5,986 

Disability Pension by Age 85 and over 4,319 

Education 

MGIB-AD Trainees 19,027 

MGIB-SR Trainees 3,244 

DEA Trainees 8,041 

VEAP Trainees 18 

REAP Trainees 1,089 

Post 9/11 Trainees 35,596 

Insurance 

Life Insurance Payments $103,043,290

Total Face Value of Insurance $839,970,486

Total Number of Policies 70,916

Loan Guaranty 

Number of Loans 32,663 

Total Loan Amount $5,595,623,944

Vocational Rehabilitation and Employment 

Number of Applicants 8,222

Number of Plans Developed 2,741

Number of Entitlement Decisions 3,912

Number of Veterans Rehabilitated through Independent Living 241

Number of Veterans Rehabilitated by Obtaining Suitable Employment 1,091
E46 Annual Benefits Report FY 2010 Appendices

Utah

Compensation and Pension 

Estimated Veteran Population 153,623

Disability Compensation Recipients 19,164 

Estimated Monthly Disability Compensation Costs $17,160,668

Estimated Annual Disability Compensation Costs $205,928,016

Disability Compensation by Age 34 and under 2,569 

Disability Compensation by Age 35-54 5,855 

Disability Compensation by Age 55-74 7,936 

Disability Compensation by Age 75-84 1,664 

Disability Compensation by Age 85 and over 1,140 

Disability Pension Recipients 1,528 

Estimated Monthly Disability Pension Costs $1,388,000

Estimated Annual Disability Pension Costs $16,656,001

Disability Pension by Age under 45 36 

Disability Pension by Age 45-54 79 

Disability Pension by Age 55-69 642 

Disability Pension by Age 70-84 383 

Disability Pension by Age 85 and over 388 

Education 

MGIB-AD Trainees 2,250 

MGIB-SR Trainees 1,170 

DEA Trainees 744 

VEAP Trainees 2 

REAP Trainees 533 

Post 9/11 Trainees 3,133 

Insurance 

Life Insurance Payments $10,810,505

Total Face Value of Insurance $88,123,209

Total Number of Policies 7,677

Loan Guaranty 

Number of Loans 3,173 

Total Loan Amount $692,005,380

Vocational Rehabilitation and Employment 

Number of Applicants 574

Number of Plans Developed 381

Number of Entitlement Decisions 489

Number of Veterans Rehabilitated through Independent Living 14

Number of Veterans Rehabilitated by Obtaining Suitable Employment 172
Veterans Benefits Administration Making a difference E47Appendices

Vermont

Compensation and Pension 

Estimated Veteran Population 52,082

Disability Compensation Recipients 6,219 

Estimated Monthly Disability Compensation Costs $6,199,650

Estimated Annual Disability Compensation Costs $74,395,800

Disability Compensation by Age 34 and under 457 

Disability Compensation by Age 35-54 1,624 

Disability Compensation by Age 55-74 2,988 

Disability Compensation by Age 75-84 657 

Disability Compensation by Age 85 and over 493 

Disability Pension Recipients 439 

Estimated Monthly Disability Pension Costs $291,702

Estimated Annual Disability Pension Costs $3,500,423

Disability Pension by Age under 45 5 

Disability Pension by Age 45-54 16 

Disability Pension by Age 55-69 239 

Disability Pension by Age 70-84 112 

Disability Pension by Age 85 and over 67 

Education 

MGIB-AD Trainees 316 

MGIB-SR Trainees 104 

DEA Trainees 125 

VEAP Trainees 0 

REAP Trainees 37 

Post 9/11 Trainees 690 

Insurance 

Life Insurance Payments $3,852,110

Total Face Value of Insurance $31,400,965

Total Number of Policies 2,680

Loan Guaranty 

Number of Loans 324 

Total Loan Amount $66,479,999

Vocational Rehabilitation and Employment 

Number of Applicants 104

Number of Plans Developed 104

Number of Entitlement Decisions 136

Number of Veterans Rehabilitated through Independent Living 5

Number of Veterans Rehabilitated by Obtaining Suitable Employment 8
E48 Annual Benefits Report FY 2010 Appendices

Virginia

Compensation and Pension 

Estimated Veteran Population 822,312

Disability Compensation Recipients 131,776 

Estimated Monthly Disability Compensation Costs $112,652,443

Estimated Annual Disability Compensation Costs $1,351,829,316

Disability Compensation by Age 34 and under 12,600 

Disability Compensation by Age 35-54 55,289 

Disability Compensation by Age 55-74 51,209 

Disability Compensation by Age 75-84 8,482 

Disability Compensation by Age 85 and over 4,196 

Disability Pension Recipients 5,776 

Estimated Monthly Disability Pension Costs $4,382,541

Estimated Annual Disability Pension Costs $52,590,492

Disability Pension by Age under 45 117 

Disability Pension by Age 45-54 264 

Disability Pension by Age 55-69 2,823 

Disability Pension by Age 70-84 1,468 

Disability Pension by Age 85 and over 1,104 

Education 

MGIB-AD Trainees 10,092 

MGIB-SR Trainees 1,549 

DEA Trainees 3,322 

VEAP Trainees 10 

REAP Trainees 693 

Post 9/11 Trainees 26,426 

Insurance 

Life Insurance Payments $49,210,817

Total Face Value of Insurance $401,148,239

Total Number of Policies 32,173

Loan Guaranty 

Number of Loans 24,030 

Total Loan Amount $6,971,289,110

Vocational Rehabilitation and Employment 

Number of Applicants 1,861

Number of Plans Developed 677

Number of Entitlement Decisions 982

Number of Veterans Rehabilitated through Independent Living 10

Number of Veterans Rehabilitated by Obtaining Suitable Employment 153
Veterans Benefits Administration Making a difference E49Appendices

Washington

Compensation and Pension 

Estimated Veteran Population 632,210

Disability Compensation Recipients 99,513 

Estimated Monthly Disability Compensation Costs $91,348,834

Estimated Annual Disability Compensation Costs $1,096,186,002

Disability Compensation by Age 34 and under 11,314 

Disability Compensation by Age 35-54 33,873 

Disability Compensation by Age 55-74 42,547 

Disability Compensation by Age 75-84 7,461 

Disability Compensation by Age 85 and over 4,318 

Disability Pension Recipients 5,382 

Estimated Monthly Disability Pension Costs $4,627,575

Estimated Annual Disability Pension Costs $55,530,899

Disability Pension by Age under 45 152 

Disability Pension by Age 45-54 292 

Disability Pension by Age 55-69 2,950 

Disability Pension by Age 70-84 1,114 

Disability Pension by Age 85 and over 874 

Education 

MGIB-AD Trainees 5,059 

MGIB-SR Trainees 743 

DEA Trainees 2,381 

VEAP Trainees 8 

REAP Trainees 307 

Post 9/11 Trainees 10,231 

Insurance 

Life Insurance Payments $36,905,805

Total Face Value of Insurance $300,842,367

Total Number of Policies 25,562

Loan Guaranty 

Number of Loans 13,588 

Total Loan Amount $3,277,133,278

Vocational Rehabilitation and Employment 

Number of Applicants 2,004

Number of Plans Developed 836

Number of Entitlement Decisions 1,472

Number of Veterans Rehabilitated through Independent Living 11

Number of Veterans Rehabilitated by Obtaining Suitable Employment 403
E50 Annual Benefits Report FY 2010 Appendices

West Virginia

Compensation and Pension 

Estimated Veteran Population 167,182

Disability Compensation Recipients 26,369 

Estimated Monthly Disability Compensation Costs $32,093,155

Estimated Annual Disability Compensation Costs $385,117,860

Disability Compensation by Age 34 and under 2,272 

Disability Compensation by Age 35-54 6,722 

Disability Compensation by Age 55-74 13,683 

Disability Compensation by Age 75-84 2,265 

Disability Compensation by Age 85 and over 1,427 

Disability Pension Recipients 3,576 

Estimated Monthly Disability Pension Costs $2,850,108

Estimated Annual Disability Pension Costs $34,201,293

Disability Pension by Age under 45 72 

Disability Pension by Age 45-54 175 

Disability Pension by Age 55-69 2,024 

Disability Pension by Age 70-84 888 

Disability Pension by Age 85 and over 417 

Education 

MGIB-AD Trainees 5,834 

MGIB-SR Trainees 1,075 

DEA Trainees 840 

VEAP Trainees 1 

REAP Trainees 1,022 

Post 9/11 Trainees 4,145 

Insurance 

Life Insurance Payments $10,226,488

Total Face Value of Insurance $83,362,515

Total Number of Policies 7,333

Loan Guaranty 

Number of Loans 1,216 

Total Loan Amount $212,531,444

Vocational Rehabilitation and Employment 

Number of Applicants 448

Number of Plans Developed 333

Number of Entitlement Decisions 385

Number of Veterans Rehabilitated through Independent Living 24

Number of Veterans Rehabilitated by Obtaining Suitable Employment 88
Veterans Benefits Administration Making a difference E51Appendices

Wisconsin

Compensation and Pension 

Estimated Veteran Population 417,654

Disability Compensation Recipients 54,701 

Estimated Monthly Disability Compensation Costs $50,018,574

Estimated Annual Disability Compensation Costs $600,222,888

Disability Compensation by Age 34 and under 6,845 

Disability Compensation by Age 35-54 14,464 

Disability Compensation by Age 55-74 24,303 

Disability Compensation by Age 75-84 5,443 

Disability Compensation by Age 85 and over 3,645 

Disability Pension Recipients 5,520 

Estimated Monthly Disability Pension Costs $4,792,635

Estimated Annual Disability Pension Costs $57,511,624

Disability Pension by Age under 45 128 

Disability Pension by Age 45-54 275 

Disability Pension by Age 55-69 2,593 

Disability Pension by Age 70-84 1,301 

Disability Pension by Age 85 and over 1,223 

Education 

MGIB-AD Trainees 3,131 

MGIB-SR Trainees 1,509 

DEA Trainees 1,402 

VEAP Trainees 5 

REAP Trainees 825 

Post 9/11 Trainees 5,436 

Insurance 

Life Insurance Payments $37,369,743

Total Face Value of Insurance $304,624,215

Total Number of Policies 25,916

Loan Guaranty 

Number of Loans 3,500 

Total Loan Amount $592,234,092

Vocational Rehabilitation and Employment 

Number of Applicants 969

Number of Plans Developed 261

Number of Entitlement Decisions 335

Number of Veterans Rehabilitated through Independent Living 6

Number of Veterans Rehabilitated by Obtaining Suitable Employment 121
E52 Annual Benefits Report FY 2010 Appendices

Wyoming

Compensation and Pension 

Estimated Veteran Population 55,850

Disability Compensation Recipients 7,960 

Estimated Monthly Disability Compensation Costs $6,686,247

Estimated Annual Disability Compensation Costs $80,234,964

Disability Compensation by Age 34 and under 940 

Disability Compensation by Age 35-54 2,453 

Disability Compensation by Age 55-74 3,560 

Disability Compensation by Age 75-84 615 

Disability Compensation by Age 85 and over 392 

Disability Pension Recipients 484 

Estimated Monthly Disability Pension Costs $383,158

Estimated Annual Disability Pension Costs $4,597,896

Disability Pension by Age under 45 13 

Disability Pension by Age 45-54 29 

Disability Pension by Age 55-69 270 

Disability Pension by Age 70-84 102 

Disability Pension by Age 85 and over 70 

Education 

MGIB-AD Trainees 561 

MGIB-SR Trainees 227 

DEA Trainees 150 

VEAP Trainees 1 

REAP Trainees 84 

Post 9/11 Trainees 464 

Insurance 

Life Insurance Payments $3,107,989

Total Face Value of Insurance $25,335,168

Total Number of Policies 2,028

Loan Guaranty 

Number of Loans 1,037 

Total Loan Amount $209,974,941

Vocational Rehabilitation and Employment 

Number of Applicants 47

Number of Plans Developed 41

Number of Entitlement Decisions 57

Number of Veterans Rehabilitated Through Independent Living 2

Number of Veterans Rehabilitated By Obtaining Suitable Employment 0
Veterans Benefits Administration Making a difference E53Appendices

Puerto Rico

Compensation and Pension 

Estimated Veteran Population 112,699

Disability Compensation Recipients 22,019 

Estimated Monthly Disability Compensation Costs $28,459,169

Estimated Annual Disability Compensation Costs $341,510,028

Disability Compensation by Age 34 and under 1,411 

Disability Compensation by Age 35-54 6,159 

Disability Compensation by Age 55-74 10,626 

Disability Compensation by Age 75-84 2,936 

Disability Compensation by Age 85 and over 886 

Disability Pension Recipients 10,894 

Estimated Monthly Disability Pension Costs $7,531,478

Estimated Annual Disability Pension Costs $90,377,739

Disability Pension by Age under 45 34 

Disability Pension by Age 45-54 77 

Disability Pension by Age 55-69 2,133 

Disability Pension by Age 70-84 6,123 

Disability Pension by Age 85 and over 2,527 

Education 

MGIB-AD Trainees 635 

MGIB-SR Trainees 1,285 

DEA Trainees 1,580 

VEAP Trainees 2 

REAP Trainees 670 

Post 9/11 Trainees 957 

Insurance 

Life Insurance Payments $4,393,830

Total Face Value of Insurance $35,816,867

Total Number of Policies 3,619

Loan Guaranty 

Number of Loans 1,281 

Total Loan Amount $212,931,765

Vocational Rehabilitation and Employment 

Number of Applicants 442

Number of Plans Developed 159

Number of Entitlement Decisions 210

Number of Veterans Rehabilitated through Independent Living 4

Number of Veterans Rehabilitated by Obtaining Suitable Employment 47
E54 Annual Benefits Report FY 2010 Appendices

Philippines

Compensation and Pension 

Disability Compensation Recipients 4,929 

Estimated Monthly Disability Compensation Costs $6,925,293

Estimated Annual Disability Compensation Costs $83,103,510

Disability Compensation by Age 34 and under 104 

Disability Compensation by Age 35-54 815 

Disability Compensation by Age 55-74 1,921 

Disability Compensation by Age 75-84 462 

Disability Compensation by Age 85 and over 1,627 

Disability Pension Recipients 607 

Estimated Monthly Disability Pension Costs $729,660

Estimated Annual Disability Pension Costs $8,755,918

Disability Pension by Age under 45 5 

Disability Pension by Age 45-54 15 

Disability Pension by Age 55-69 297 

Disability Pension by Age 70-84 153 

Disability Pension by Age 85 and over 137 

Education 

MGIB-AD Trainees 291 

MGIB-SR Trainees 0 

DEA Trainees 10 

VEAP Trainees 0 

REAP Trainees 0 

Post 9/11 Trainees 171 

Insurance 

Life Insurance Payments $679,502

Total Face Value of Insurance $5,539,051

Total Number of Policies 522

Vocational Rehabilitation and Employment 

Number of Applicants 84

Number of Plans Developed 39

Number of Entitlement Decisions 57

Number of Veterans Rehabilitated through Independent Living 0

Number of Veterans Rehabilitated by Obtaining Suitable Employment 7
Veterans Benefits Administration Making a difference E55Appendices

Other Foreign

Compensation and Pension 

Estimated Veteran Population 97,711

Disability Compensation Recipients 21,307 

Estimated Monthly Disability Compensation Costs $18,084,043

Estimated Annual Disability Compensation Costs $217,008,516

Disability Compensation by Age 34 and under 1,846 

Disability Compensation by Age 35-54 9,676 

Disability Compensation by Age 55-74 8,008 

Disability Compensation by Age 75-84 1,273 

Disability Compensation by Age 85 and over 504 

Disability Pension Recipients 847 

Estimated Monthly Disability Pension Costs $707,317

Estimated Annual Disability Pension Costs $8,487,808

Disability Pension by Age under 45 14 

Disability Pension by Age 45-54 27 

Disability Pension by Age 55-69 346 

Disability Pension by Age 70-84 265 

Disability Pension by Age 85 and over 194 

Education 

MGIB-AD Trainees 10,596 

MGIB-SR Trainees 2,673 

DEA Trainees 337 

VEAP Trainees 1 

REAP Trainees 3,124 

Post 9/11 Trainees 2,476 

Insurance 

Life Insurance Payments $5,096,466

Total Face Value of Insurance $41,544,478

Total Number of Policies 3,110

Loan Guaranty 

Number of Loans 143 

Total Loan Amount $40,551,879

Veterans Benefits Administration Making a difference F1Index

Index

Index to Tables and Charts

Compensation and Pension 3

Quick Reference Guide 5

Summary of Beneficiaries Who Began Receiving Compensation and Pension Benefits

During Fiscal Year 2010 6

Summary of Active Compensation and Pension Benefit Accounts

at the End of Fiscal Year 2010 6

Veterans Who Began Receiving Disability Compensation by Combined Degree During

Fiscal Year 2010 7

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

Compensation During Fiscal Year 2010 7

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

Compensation by Fiscal Year 8

Most Prevalent Service-Connected Disabilities for Veterans Who Began Receiving 

Compensation During Fiscal Year 2010 8

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

Receiving Compensation at the End of Fiscal Year 2010 9

Service-Connected Benefits by Combined Degree for Veterans Receiving Compensation

at the End of Fiscal Year 2010 9

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

Compensation by Fiscal Year 10

Number of Veterans with Service-Connected Disabilities Receiving Compensation by 

Combined Percent by Fiscal Year 11

Age of Veterans Who Began Receiving Service-Connected Compensation During 

Fiscal Year 2010 11

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

2010 11

Individual Service-Connected Disabilities by Evaluation for Veterans Receiving 

Compensation at the End of Fiscal Year 2010 12

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

Receiving Compensation at the End of Fiscal Year 2010 13

Service-Connected Disabilities by Body System for Veterans Receiving Compensation 

by Fiscal Year 14

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

Fiscal Year 2010 by Percent and Body System 15–16

Most Prevalent Service-Connected Disabilities 16–17

Most Prevalent Disabilities for Veterans Receiving Compensation at the

End of Fiscal Year 2010 18

Veterans Receiving Service-Connected Disability Benefits at the End of

 Fiscal Year 2010 18

Most Prevalent Disabilities by Period of Service at the End of Fiscal Year 2010 19–20
F2 Annual Benefits Report FY 2010 Index

Service-Connected Disabilities at the End of Fiscal Year 2010 by Period of Service 20

Beneficiaries Who Began Recieving DIC by Fiscal Year 21

Beneficiaries Receiving DIC by Relationship at the End of Fiscal Year 2010 21

Age of Surviving Spouses Who Began Receiving DIC Benefits During Fiscal Year 2010 21

Age of Children Who Began Receiving DIC Benefits During Fiscal Year 2010 21

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

End of Fiscal Year 2010 22

Surviving Spouses Receiving DIC by Age at the End of Fiscal Year 2010 22

Children Receiving DIC by Age at the End of Fiscal Year 2010 22

Veterans Who Began Receiving Disability Pension by Program During Fiscal Year 2010 23

Veterans Receiving Disability Pension at the End of Fiscal Year 2010 23

Disability Pension by Period of Service at the End of Fiscal Year 2010 24

Veterans Who Began Receiving Disability Pension Benefits During Fiscal Year 2010 

by Age 24

Veterans Receiving Disability Pension at the End of Fiscal Year 2010 by Age 24

Beneficiaries Who Began Receiving Death Pension During Fiscal Year 2010 by Program 25

Beneficiaries Receiving Death Pension by Program at the End of Fiscal Year 2010 25

Spouses Who Began Receiving Death Pension Benefits During Fiscal Year 2010 by Age 25

Surviving Spouses Receiving Death Pension at the End of Fiscal Year 2010 by Age 26

Death Pension by Period of Service at the End of Fiscal Year 2010 26

Number of Beneficiaries by Payee Type 27

Benefits Paid by Payee Category and Benefit Program 27

Relationship of Fiduciary 28

Education 29

Quick Reference Guide 32

Beneficiaries by Program by Fiscal Year 32

New Education Beneficiaries by Program During Fiscal Year 2010 32

New Education Beneficiaries by Training Type and Program During Fiscal Year 2010 33

Training Available Under Education Benefit Programs 33

Beneficiaries Who Began Receiving Education Benefits During Fiscal Year 2010 34

Beneficiaries Who Began Receiving Education Benefits by Fiscal Year 35

Beneficiaries Who Received Education Benefits by Fiscal Year 35

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

During Fiscal Year 2010 36

Beneficiaries Who Began Receiving Education Benefits by Training Time and Program

During Fiscal Year 2010 36

Beneficiaries Whose Benefits Terminated by Fiscal Year 37

Beneficiaries Whose Benefits Terminated by Reason During Fiscal Year 2010 37

Unique Beneficiaries and Payments by Fiscal Year 38

Compensation and Pension (continued)
Veterans Benefits Administration Making a difference F3Index

Insurance 40

Quick Reference Guide 41

Lives Insured by Fiscal Year 41

Benefits Paid by Fiscal Year 41

Death Awards (Number) by Fiscal Year 42

Death Awards (Amount) by Fiscal Year 42

Number of Operations Processed on Administered Policies by Fiscal Year 42

Programs That No Longer Issue Coverage 43

Programs That Issue Coverage 43

2010 Rankings by Total Life Insurance In-Force 44

New Life Insurance Coverage Issued During Fiscal Year 2010 45

New Life Insurance Coverage Issued by Fiscal Year 46

Policy Lapses During Fiscal Year 2010 46

Lump-Sum Payments Made to Policy Holders During Fiscal Year 2010 47

Life Insurance Dividend Payments by Fiscal Year 48

Lump-Sum Payments Made to Beneficiaries During Fiscal Year 2010 48

Number of Death Claims Paid by Five Fiscal Years 49

Insurance Monthly Installment Award Payments to Policyholders at the End of 

Fiscal Year 2010 49

Insurance Monthly Installment Award Payments to Beneficiaries at the End

Fiscal Year 2010 50

Total Insurance Policies In-Force at the End of Fiscal Year 2010 50

Life Insurance Policies In Force by Fiscal Year 50

Age Distribution for Insurance Programs 51

SGLI Coverage by Branch and Component of Service 52

SGLI by Coverage Level – Active Duty and Reserve Duty 53

FSGLI by Coverage Level – Active Duty and Reserve Duty 53

Loan Guaranty 54

Quick Reference Guide 56

VA Home Loans Guaranteed by Fiscal Year 56, 59

Summary of Home Loan Guaranty Entitlements and Other Eligibility Criteria 57

Types and Characteristics of Loans Guaranteed During Fiscal Year 2010 58

Status of Loans Guaranteed by Fiscal Year 58

VA Home Loans Guaranteed by Fiscal Year 59

Specially Adapted Housing Grants and Direct Loans During Fiscal Year 2010 59
F4 Annual Benefits Report FY 2010 Index

Loans Guaranteed by Period of Service Entitlement During Fiscal Year 2010 60

Entitlement Loans Guaranteed by Fiscal Year 61

Home Loans Guaranteed Based on Gender and Age During Fiscal Year 2010 61

Purchase Loans Guaranteed Based on Annual Income During Fiscal Year 2010 62

Number of Loans Guaranteed by Age by Fiscal Year 62

Percent of Loans Guaranteed by Age by Fiscal Year 63

Loans Guaranteed by Race During Fiscal Year 2010 63

Loans Guaranteed by Race by Fiscal Year 63

Vocational Rehabilitation and Employment 64

Quick Reference Guide 66

Vocational Rehabilitation and Employment Activities During Fiscal Year 2010 67

Vocational Rehabilitation and Employment Activities by Age During Fiscal Year 2010 67

Vocational Rehabilitation and Employment Activities by Prior Education Level 

at the End of Fiscal Year 2010 68

Vocational Rehabilitation and Employment Activities by Branch of Service 

at the End of Fiscal Year 2010 68

Vocational Rehabilitation and Employment Activities by Period of Service 

at the End of Fiscal Year 2010 68

Vocational Rehabilitation and Employment Activities by Length of Service 

at the End of Fiscal Year 2010 68

Vocational Rehabilitation and Employment Activities by Combined Service‐Connected 

Disability Rating at the End of Fiscal Year 2010 69

Veterans with Serious Employment Handicaps at the End of Fiscal Year 2010 69

Veterans Participating in a Vocational Training Program 

During Fiscal Year 2010 70

Veterans Successfully Rehabilitated Pre and Post Annual Earnings by Occupational 

Category at the End of Fiscal Year 2010 71

Internet Homepage http://www.vba.va.gov

Department of Veterans Affairs

Veterans Benefits Administration

810 Vermont Avenue N.W.

Washington, D.C. 20420