This tool is free for all veterans, always. No subscription required.

VA Disability Rating Explainer

VA disability ratings use a math system that confuses most veterans. A 50% rating and a 30% rating does not equal 80% -- it equals 65%, which rounds to 70%. This tool explains how your combined rating is calculated and whether it appears correct.

What you get

A plain-English explanation of how VA combined ratings work
Step-by-step calculation of your combined rating using the official VA whole person method
An assessment of whether your current rating appears mathematically correct
Explanation of what your rating unlocks in terms of monthly compensation and benefits
Guidance on how to challenge a rating that appears incorrect

Who this is for

Veterans who want to verify their combined rating, understand why their percentages did not add up the way they expected, or determine whether they should file for a rating increase.

Common situations this tool handles

You have a 50% rating for PTSD and a 30% rating for a knee injury. Your combined rating came back as 70% and you want to understand why it is not 80%.
You have four service-connected conditions and your combined rating seems lower than you expected based on the individual ratings.
Your rating was set three years ago and your condition has gotten significantly worse. You want to know how to get it reviewed.

What your analysis looks like

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

HOW VA DISABILITY RATINGS WORK

VA ratings do not add up like regular math. Each additional rating applies to what is left of your whole person after the previous rating, not to the original 100%. This means the more ratings you have, the harder it is to reach 100% -- but it also means your total is always lower than simply adding the numbers together.

YOUR COMBINED RATING CALCULATION

Step 1: Sort ratings highest to lowest: 50%, 30%

Step 2: Start with 100% whole person

Step 3: Apply 50% rating. Remaining = 100 - 50 = 50

Step 4: Apply 30% to remaining 50: 30% of 50 = 15

Step 5: New remaining = 50 - 15 = 35

Step 6: Total disability = 100 - 35 = 65%

Step 7: 65% rounds up to 70%

Result: Your combined rating is 70%

WHAT YOUR RATING MEANS

At 70%, your 2026 monthly compensation as a veteran with no dependents is $1,808.45. You are in Priority Group 1 for VA health care with no copays. If you have a spouse, children, or dependent parents, your monthly amount increases.

[Full rating review and challenge options follow...]

See your full analysis

Get Started

Questions about this tool

Why does 50% plus 30% equal 70% and not 80%?

VA uses whole person math. Your first 50% rating reduces your whole person from 100% to 50% remaining. The next 30% applies to that remaining 50%, adding only 15 more percentage points for a total of 65%, which rounds to 70%.

What is the bilateral factor?

If you have service-connected conditions affecting both legs, both arms, or paired muscles, VA adds 10% to the combined value of those conditions before running the whole person calculation. This gives veterans with paired disabilities a slight rating boost.

Can I get 100% pay even if my combined rating is below 100%?

Yes, through Total Disability Individual Unemployability (TDIU). If you are unable to work due to your service-connected conditions and meet certain rating thresholds, VA may pay you at the 100% rate even if your combined rating is lower.

What is new in 2026

2026 VA Disability Compensation Rates

VA disability compensation rates were updated effective December 1, 2025 with a cost-of-living adjustment. At 70 percent with no dependents, the 2026 monthly rate is $1,808.45. At 100 percent with no dependents, the rate is $3,831.30. Rates increase with dependents. Verify your current rate at va.gov/disability/compensation-rates.

These are general updates only. Your specific analysis always uses the latest rules for your document.

How it works

Upload your document. Photo or PDF of your medical bill, EOB, denial letter, or COBRA notice. No account needed to start.
We review it. Bill Advantage reviews your document against healthcare billing rules, insurance regulations, and common error patterns, reflecting the knowledge of healthcare billing professionals, encoded into a system that works in minutes, not days.
You get answers. Receive a plain-English explanation of exactly what happened and why. For most tools, a ready-to-send dispute or appeal letter is included. Save results to your Healthcare Finance Tracker, set reminders for follow-up deadlines, and build a complete record of your healthcare finances over time.

VA Benefits Navigator - Many veterans qualify for benefits they have never claimed. This tool surfaces categories like vision, hearing, dental, and other services based on the situa...
VA Bill Decoder - VA and community care bills can be hard to parse. This tool explains copays, priority group rules, and when a bill may be sent in error, with language suited...
Camp Lejeune Water Contamination Screener - From 1953 to 1987, drinking water at Camp Lejeune and MCAS New River was contaminated. Veterans and family members who lived or served there may qualify for...

Ready to get started?

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

Try VA Disability Rating Explainer