Guides
VA disability guides
Short, readable explainers for combined ratings, bilateral factor, decision letters, TDIU, and effective dates.
How the VA Bilateral Factor Works
Plain-language guide to the VA bilateral factor (38 CFR 4.26): when paired disabilities get a 10% boost, how it combines, and how to check it on your award.
Read guide →Step-by-Step Guide to Reading Your VA Decision Letter
How to read a VA rating decision: combined rating, each condition, effective dates, deferred or denied issues, TDIU, SMC, and P&T — plus what to do next.
Read guide →How VA Combined Ratings Work (§4.25)
Why VA disability ratings don’t add with normal math. Learn the §4.25 Combined Ratings Table, rounding rules, and how to check your combined rating.
Read guide →TDIU Explained: Paid at 100% Without a 100% Rating
What TDIU (Individual Unemployability) means, common schedular rating gates, employment evidence basics, and how to explore whether you may qualify.
Read guide →VA Effective Dates and Back Pay Explained
How VA effective dates drive disability back pay, what intent to file can change, and how to estimate retroactive compensation with 2026 rates.
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