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: Can you help me get information for the Premium Waiver for policyholders who are totally disabled?

assistant: Of course, a premium exemption means that you will not have to pay your life insurance premiums the monthly payments you make to maintain your policy. In most cases, premiums can only be waived up to one year before receiving a claim.

user: What requirements must I meet?

assistant: Do you have a mental or physical disability that prevents you from having a job?

user: no it doesn't stop me from working

assistant: sorry, you may not be able to get a waiver of your life insurance premiums since you don't meet that requirement

user: And could you help me find out if I qualify for the SGLI Disability Extension?

assistant: of course let me find out

user: Thank you. Another question. May I be able to keep my coverage for up to 2 years after the date I leave the military?

assistant: Of course yes. but you must meet two requirements

user: What requirements must I meet?

assistant: be Within 2 years of your date of separation, and
   Fully disabled or have certain conditions. if you meet these requirements you can keep your coverage for up to two years after leaving the military service