5 Massive Benefits You Get With 100% VA Disability in 2025

These are the top five benefits from veterans who achieve 100% permanent and total disability rating from the VA after service. And I am gonna touch a little bit on a really cool thing with the income you're receiving here at the end of this video, so make sure you stay tuned because it's one of my favorite benefits. And I think it's important to talk about this not because I wanna go off and be like, you all need to get 100% P&T, but because there's a lot of benefits outside of the monetary side that people just don't know. And I say this as somebody who, after about two years of going back and forth and filing with the VA, and I'm gonna make a video about that whole process and how to do that, I finally got a rating of 100% permanent and total, which, yay on one end, and also there's a reason you get it. So there's a lot of injuries associated and things that anyone who's been there, done that, gets it, right? So it's not like, yay without, eh. So we're gonna talk about it real briefly. The very first one, obviously, is that you get full medical and dental for the veteran. This obviously, even at any rating, you get full medical and dental for, or full medical and dental for anything that is the reason you're getting a rating. So if you got your foot crushed, you get taken care of for that. If you got your arm broken, you get taken care of for that. But at 100% P&T, you get full medical and dental forever, as well as full medical for dependents, which, as somebody with a kid who broke his arm, falling off a front porch on the 4th of July two years ago, and is inevitably going to get injured again if he's anything like his daddy, it is nice to know that that's covered. So that is an incredible benefit. And if you've got a whole family, they're all covered, right? Which is cool. And that's also incredibly valuable from a monetary standpoint, because it's another massive expenditure that you as a veteran don't have to worry about. And I think that's huge. All right, number two, and this is not for every state, so check with your state, but there are property tax reductions and or exemption. So in Texas, which has a relatively high property tax, as opposed to a lot of the other states, a veteran who's a permanent, total 100% disabled veteran, does not pay property tax on their primary residence. That could save you thousands of dollars a year, which is awesome. And again, it's not every state, but I know Florida does this, there's a couple other states. Do your research, but it is a lot of value, especially if you pay your home off. Because if you pay your home off, that means you actually don't have expenses other than like utilities and maintenance, which is huge with the property. Because one of the biggest complaints is like, even if you pay your home off, you're still paying taxes on the place. Well, in this situation, you're not. And I know that's also an incentive to move to those states because where I live, it's not the case right now, which is unfortunate, because it would save me four or $5,000 a year. And it also allows, it would motivate me to maybe want to move to Texas, which I've already thought about moving to Austin in the past when my son's older. So, we'll see. Number three is dependent education, education for yourself. There's a $50,000 grant, bonus, stipend, however you want to call it, that is eligible for you or dependents with any state funded education for you being 100% PNT. So if my, I'm not married anymore, but had at the time my wife wanted to go to school, I could have given her $50,000 towards that. My son, when he turns of age, can get $50,000 towards school without utilizing my GI bill, which is cool because I had been saving my GI bill for him because a whole nother video aside, I didn't end up getting to be able to transfer it because I didn't understand the process and I messed it up. Now I can use my GI bill without taking away from him because he can go to school using this grant, which is huge. Number four is student loan forgiveness. Now, I'm not one of these advocates that runs around thinking everybody's college debt should be forgiven. That's not me. I am a firm believer of like, if you took out the debt, you should pay off the debt. You shouldn't take out debt that you don't intend to pay off or have no means to pay off because that's just bad financial literacy. That being said, 100% PNT veterans are allowed to pay off their student debt once. And that's huge because if you did go into debt going over your GI bill for education or whatever that may look like, this allows you to get rid of that debt and set yourself up for success. Again, this is some of the biggest benefits for the 100% PNT, right? You get paid monthly, which is guaranteed by the government, tax exempt and everything else. You also get lower medical, lower college tuition costs, student debt forgiveness and all these other benefits. So the fact that you're mitigating a ton of expenses is just as valuable, if not even more valuable than the income you're receiving. And I am gonna touch a little bit on a really cool thing with the income you're receiving here at the end of this video. So make sure you stay tuned because it's one of my favorite benefits, but it's also one that I knew about. So that's not the point of this video. Number five, and this one again, varies by state, but free car registration. So a lot of states offer free registration for 100% PNT disabled veterans, which is awesome. Not quite as much of a savings as say property taxes, but it is an annual expense and it is nice to not have to pay that, especially unlike newer cars that registration can get a little expensive. In some of these states, it is a few thousand dollars to register a vehicle. So if you're able to avoid that expense, it is just another bit of money you get to keep in your pocket, which I love. Now, I know we said five, but as we were talking, I realized this one, so I threw it at the end. This one didn't even cross my mind because it's something I've known for years, but a lot of people probably don't realize it and it may actually be one of the cooler benefits. And that is when you're going to qualify for a mortgage. So say you're gonna do the VA loan, you know, for a house hack, it's my personal favorite strategy. I got tons of videos on that. So I'm not gonna go too far into that rabbit hole right now, but just know VA loan house hacking, go do some homework. That is my favorite strategy for starting off with real estate investing and home ownership and can absolutely set you leaps and bounds ahead of your peers financially. But let's say you're gonna go qualify for a mortgage with a VA loan. They have to do a debt to income verification, which means they take all the money you make and all the debt payments you have, minimum payments, and whatever those debt payments are as a percentage of your income. So let's say you make $5,000 a month and let's say you have $2,000 a month in debt. That could be credit cards, auto loan. They count your mortgage. This is your, we're doing your backend debt to income, so after the mortgage. So they count that. Then that would be a 40% debt to income ratio because 40% of your income goes straight to debt payments before anything else, right? That measurement is what ultimately and more than anything else adjusts how much of a loan you're gonna be able to get from the bank. They want your debt to income to be really like as low as possible, right? And obviously there's two ways to fix this. You can lower your debt payments, which is why lenders tell you like don't buy a car while we're in this process because it could mess up your whole mortgage product or process. Because if you get that loan and that debt puts you over the debt to income ratio requirements, then you're hosed, right? So don't take on new debt during that process. That being said, you can lower your debt, pay off some credit cards or whatever to lower that debt to income ratio and therefore boost your, or to lower your debt and therefore boost your ratio. The alternative is to make more money. And you're like, well, Dave, that's easier said than done. You're right. But here's where that benefit comes in. Your VA disability at any percentage is actually counted as 1.25X whatever you're bringing in towards a loan. And the reason is it's tax exempt. So they figure, hey, let's say you make $1,000 on VA disability. In order to make $1,000 after taxes, we're assuming you would need to be paid 1,250 in income because after taxes, that would be about 1,000 bucks. Since the VA disability is not taxed, they count it, even if you receive $1,000 a month in disability, they count it as $1,250 added to your ratio because that would be the pre-tax equivalent. And I know that might be a little bit complex for somebody, but basically this, if you're 100% permanent and total disability, and let's say your payment is $4,000 a month that you're receiving, when you go to qualify for a mortgage, it will actually be counted as $5,000 a month. And that's just the way it is. And so the benefit here is obviously if you have a $4,000 income, which is what you're actually getting in your bank account, and 2,000 in expenses, that's a 50% debt to income ratio. But if you have a $5,000 income, which is what they'll show because it's backing the taxes in, even though you're really only receiving 4,000, that 5,000 on your debt to income means you have a 40% ratio. Again, to extrapolate this, to get up to that same 50, you can have an extra on that same person, they have $2,000 in debt, you could have an extra $500 a month in debt payments and still have the exact same debt to income ratio as you would if they didn't count on the 25% back into the money. And I may have lost me there, but I think that's a really cool benefit because long short what it does is it means as a disabled veteran, not only is the funding fee waived for your loan product, which is another incredible benefit, that's anyone over 10% disability or Purple Heart recipient while still active. So that saves you some money on the loan, but also you can qualify for a larger house payment or a larger property, a bigger purchase price, which makes you more competitive in expensive markets and also helps you buy that fourplex to live in one unit, rent the rest and live for free as is house hacking. So those are top five benefits for 100% permanent total as well as two other benefits that aren't necessarily specific to 100% P&T but are incredible and my favorites related to disability. So I hope this helped you out. Maybe you learned something new. Incredible benefits. Do me a favor, comment down below if you learned something new or if there's one that I missed, I would love to learn even more of these benefits. So drop it in the comment section so we can all grow together. And I love you guys. Have a great day.