Filing a VA disability claim is every veteran's right — but the process can be confusing, and small mistakes can result in denied claims or significantly lower ratings. According to recent data, over 50% of initial VA disability claims are either denied or receive a lower rating than deserved. Here are the five most common mistakes and exactly how to avoid each one.
Mistake #1: Filing Without Sufficient Medical Evidence
The single biggest reason claims get denied is lack of medical evidence. Veterans often assume the VA will source their records automatically or that verbal testimony is enough. It's not. The VA operates on a "preponderance of evidence" standard — they need documented proof.
✅ The Fix
Before filing, gather: (1) your complete service treatment records, (2) any private medical records showing ongoing treatment, (3) a medical nexus letter from a doctor explicitly connecting your condition to your military service, and (4) buddy letters from fellow service members who witnessed your condition or the event that caused it.
Mistake #2: Not Claiming Secondary Conditions
Many veterans file claims for their primary service-connected injuries but overlook secondary conditions. For example, a service-connected knee injury can lead to back problems, hip pain, or depression. These secondary conditions are independently ratable and can significantly increase your overall disability percentage.
✅ The Fix
Ask your doctor about conditions that may have developed because of your primary service-connected disability. Common secondary claims include: sleep apnea secondary to PTSD, radiculopathy secondary to back injuries, depression secondary to chronic pain, and migraines secondary to TBI.
Mistake #3: Underperforming at the C&P Exam
The Compensation & Pension (C&P) exam is critical. Many veterans make the mistake of "toughing it out" — describing their condition on a good day rather than an average or bad day. The examiner is evaluating the severity of your condition, and downplaying symptoms will result in a lower rating.
✅ The Fix
Be honest and thorough. Describe your worst days, not your best. Mention how your condition impacts your daily activities: walking, sleeping, working, relationships, and mental health. Bring a written summary of your symptoms and their impact. Don't exaggerate, but don't minimize either.
Mistake #4: Not Using a Veterans Service Organization (VSO)
Many veterans file claims entirely on their own, unaware that free, accredited representation is available through VSOs. Organizations like the DAV, VFW, and American Legion have trained advocates who understand the claims process inside and out.
✅ The Fix
Contact a VSO before filing. They will review your evidence, help you form a claim strategy, ensure proper documentation, and represent you through appeals if necessary. There is absolutely no cost for their services. Find an accredited VSO at VA.gov/vso.
Mistake #5: Giving Up After a Denial
A denied claim is not the end of the road. Many veterans take a denial at face value and walk away from benefits they've earned. In reality, the appeals process exists specifically because initial decisions are often incorrect or based on incomplete information.
✅ The Fix
You have three appeal options within one year of your decision: (1) Supplemental Claim — submit new evidence not previously considered, (2) Higher-Level Review — a senior reviewer re-evaluates your case with existing evidence, (3) Board Appeal — your case goes before a Veterans Law Judge. A VSO can advise which path has the best chance of success.
Understanding VA Disability Ratings
VA disability ratings range from 0% to 100% in increments of 10%. Ratings for multiple conditions are combined using "VA math" — not simple addition. For example, a 50% rating combined with a 30% rating equals approximately 65%, not 80%.
- 0%: Service-connected but no compensation. Still qualifies for healthcare.
- 10-20%: Monthly compensation ranging from ~$171 to ~$338
- 30-60%: Added benefits for dependents. Monthly comp ~$508 to ~$1,361
- 70-100%: Significant benefits including CHAMPVA for dependents. Up to ~$3,737/month
- 100% P&T (Permanent & Total): Maximum benefits + dependents' education (Chapter 35)
Remember: VA disability compensation is completely tax-free. Unlike regular income, you keep every dollar. This is one of the most valuable financial benefits available to veterans.
Financial Benefits of a Disability Rating
Beyond monthly compensation, a VA disability rating unlocks significant financial benefits:
- No VA loan funding fee — saves $3,000–$12,000+ on home purchases
- Property tax exemptions — varies by state; some offer full exemption at 100%
- CHAMPVA healthcare — free healthcare for eligible dependents (30%+ rating)
- Space-A travel — 100% P&T veterans can fly military aircraft at no cost
- State benefits — many states offer additional perks like free vehicle registration, hunting/fishing licenses, state park passes, and reduced tuition
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Subscribe Free →Disclaimer: This article is for informational purposes only and does not constitute legal or medical advice. For personalized guidance on VA disability claims, consult with a VSO or accredited claims agent.