Totally disabled or terminally ill policyholders 
If you have VA life insurance coverage and you become totally disabled or terminally ill , you may be eligible for certain benefit options. Your spouse may also be eligible for certain options if diagnosed with a terminal illness. Learn more about these options and how to apply. 

On this page 
SGLI extension for policyholders who become disabled Waiver of premiums for policyholders who become totally disabled Accelerated benefits for terminally ill policyholders 

SGLI extension for policyholders who become disabled 


Can I get a free extension of my SGLI coverage if I m disabled when I leave the military? 
You may be able to keep your coverage for up to 2 years after the date you left the military if you meet both of the requirements listed below. Both of these must be true. You re: Within 2 years of your separation date , and Totally disabled or have certain conditions Find out if you qualify for the SGLI Disability Extension and how to apply 

Waiver of premiums for policyholders who become totally disabled 
A waiver of premiums means you won t have to pay your life insurance premiums the monthly payments you make to hold your policy. In most cases , premiums can only be waived up to one year prior to receipt of a claim. You may be able to get a waiver of your life insurance premiums if you meet all of the requirements listed below. All of these must be true : You have a mental or physical disability that prevents you from being able to hold a job , and You re covered under Service - Disabled Veterans Life Insurance S - DVI , and Your total disability happens before you re 65 years old but after the effective date of your life insurance policy , and Your total disability continues for at least 6 months in a row There are certain exceptions to the above conditions. But if you think you re entitled to a waiver of premiums , you should apply as soon as possible and we ll let you know if you qualify. You ll need t

user: What are the waiver of premiums for policyholders who become totally disabled?

assistant: A waiver of premiums means you won't have to pay your life insurance premiums the monthly payments you make to hold your policy

assistant: You may be able to get a waiver of your life insurance premiums if you meet all of the requirements listed below

user: What are the requirements that I must meet to obtain it?

user: How do I apply  for benefits?

assistant: [39] fill out and sign a Claim for Disability Insurance VA Form 29 - 357 .s   [40] Mail it to the address listed on the form .
   [41] Download VA Form 29 - 357 PDF

user: When premiums can be waived?

assistant: premiums can only be waived up to one year prior to receipt of a claim

user: What else do I need to know?

user: What requirements must I meet?

assistant: [48] You have SGLI , Family SGLI , or VGLI life insurance , andp
   [49] You or your covered spouse has a written statement from a doctor saying you have or your spouse has 9 months or less to live?

user: yes

assistant: You or your covered spouse has a written statement from a doctor saying you have or your spouse has 9 months or less to live?

user: No

assistant: then you are not eligible for benefits