20% + 20% Combined VA Rating = 40%

· 2026 rates

20% and 20% combine to a 40% VA disability rating. VA uses the 38 CFR §4.25 "whole-person" method (exact combined value 36.0%, rounded to 40%).

$795.84/mo

2026 VA compensation at 40%, veteran alone (tax-free) · $9,550.08/yr

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    How 20% + 20% combines to 40%

    The VA does not add ratings. Under 38 CFR §4.25, each disability is applied to your remaining healthy capacity, highest first. Here is the exact math:

    1. Conditions entered (sorted high→low): 20%, 20%
    2. §4.25 final combine = 36.0%
    3. Round to nearest 10 → 40%

    So 20% and 20% = 40%, which pays $795.84/mo in 2026 (veteran with no dependents).

    40% VA pay with dependents (2026)

    Veteran alone$795.84
    With spouse$882.84
    With spouse + 1 child$947.84
    With spouse + 2 children$990.84

    Dependent additions apply only at 30%+ combined. Full 40% pay chart →

    Related: how VA math works · bilateral factor · TDIU · all rating combinations