VA Math Guide · 100% pay
TDIU 2026: get 100% pay without a 100% rating
TDIU — Total Disability based on Individual Unemployability — pays at the 100% disability compensation rate even when your schedular rating is less than 100%. For 2026 that's $3,938.58/month before dependents. Hundreds of thousands of veterans qualify but never claim it.
The §4.16(a) schedular threshold
You meet the schedular requirement for TDIU if either of these is true:
- You have ONE service-connected disability rated 60% or higher; OR
- You have a combined rating of 70% or higher, with at least one disability rated 40% or higher.
You must ALSO be unable to maintain substantially gainful employment because of your service-connected disabilities.
§4.16(b) extra-schedular path
Veterans who don't meet the §4.16(a) thresholds may still qualify on an extra-schedular basis if their disabilities prevent gainful employment. The decision is made by the VA Director of Compensation Service and requires evidence of unique vocational limitations.
How to file
File VA Form 21-8940 (Veteran's Application for Increased Compensation Based on Unemployability). Include detailed work history, why you can't work due to service-connected conditions, and any vocational evaluations. A VSO will help you file at no cost.
FAQ
What counts as "substantially gainful employment"?
For 2026, VA generally treats earnings above the federal poverty threshold for a single person (~$15,650/yr) as substantially gainful. Marginal employment (below the threshold) or sheltered/protected work environments can still allow TDIU.
Is TDIU permanent?
TDIU can be granted as Permanent and Total (P&T), in which case future re-exams are not required. Otherwise VA may schedule routine future examinations.
Do I lose TDIU if I work?
You can lose TDIU if your earnings exceed the marginal-employment threshold for 12 consecutive months. There is a specific reporting requirement (VA Form 21-4140 in some cases). Talk to a VSO before taking on substantial work.