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TDIU Navigator

Find out if you may qualify for Total Disability based on Individual Unemployability and get a ready-to-submit personal statement.

What you get

  • Plain-English explanation of TDIU and how schedular and extraschedular pathways differ
  • Assessment of whether your ratings appear to meet schedular thresholds
  • Guidance for documenting employment impact and completing VA Form 21-8940
  • A ready-to-use personal statement template with placeholders

Who this is for

Veterans who want to understand whether they may qualify for TDIU and what evidence to prepare.

Common situations this tool handles

  • You have multiple service-connected ratings and need to understand whether you may meet schedular TDIU criteria.
  • You do not meet schedular thresholds but your conditions prevent steady work and you want an extraschedular roadmap.
  • You need practical guidance before filing VA Form 21-8940.

What your analysis looks like

Sample analysis for illustration. Your output will reflect your specific document and situation.

SCHEDULAR ELIGIBILITY

Based on the ratings provided, you may meet schedular threshold requirements. The VA still requires evidence that service-connected conditions prevent substantially gainful employment.

PERSONAL STATEMENT

[VETERAN NAME] [DATE] I am submitting this statement in support of my TDIU claim. My service-connected conditions, including [DISABILITY/DISABILITIES], prevent me from maintaining substantially gainful employment. [Full statement continues with work-impact details.]

See your full analysis

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Questions about this tool

What is TDIU?

TDIU allows veterans whose service-connected conditions prevent substantially gainful employment to be paid at the 100 percent disability rate even if their combined rating is below 100 percent.

Does meeting the rating threshold guarantee approval?

No. You still need evidence that your service-connected conditions prevent substantially gainful employment.

How it works

  1. Describe your situation. Enter your details in plain English. No document upload required for most VA tools. Your information is used only to generate your output and is never stored.
  2. We analyze it. Bill Advantage reviews your input against VA regulations, benefit rules, and current 2026 rates, reflecting the knowledge of VA billing and benefits professionals encoded into a system that works in minutes, not days.
  3. You get answers. Receive a plain-English explanation of exactly what applies to your situation. For most tools, a ready-to-send letter or worksheet is included. Set reminders for follow-up deadlines and build a complete record over time.

Ready to get started?

This tool is permanently free for all veterans. No subscription required.

Try TDIU Navigator