Home › Rating ladder
You have a rating. Now what?
Every rung unlocks something. Find your combined rating below. Most veterans are leaving two or three of these on the table. Then check your state.
All benefit guides
VA health care
Priority groups and 2026 copays by rating.
Dependents
Spouse, kids, parents added at 30%+.
TDIU
Paid at 100% when you cannot work.
Special Monthly Compensation
SMC-K, housebound, aid and attendance.
What P&T means
How to tell if you have it and what it unlocks.
CHAMPVA
Family health coverage at P&T.
Chapter 35 (DEA)
School money for spouse and kids at P&T.
Post-9/11 GI Bill
Based on service, not rating. Vs. Chapter 35.
Chapter 31 VR&E
Training and degrees at 10% or 20%.
CRDP and CRSC
For military retirees.
VA dental
Who gets it; Class IV at 100%.
Caregiver programs
PCAFC at 70%; PGCSS for all.
Housing and auto grants
SAH, SHA, HISA, automobile allowance.
Home loan and property tax
Funding fee waiver; state exemptions.
Federal hiring preference
10-point, CPS, the 30% authority.
Commissary, travel pay, passes
Plus faster Social Security at P&T.
Ladder data last verified 2026-10-16. Dollar figures are VA rates effective December 1, 2025 and change every December 1.