Question 1

How does the VA calculate a combined disability rating?

Accepted Answer

The VA uses the "whole person" method, not simple addition. Starting with 100%, the highest disability takes its percentage as an efficiency loss. Each subsequent disability takes its percentage of what remains. The losses are summed and rounded to the nearest 10% to produce the final combined rating.

Question 2

Why is my combined rating lower than the sum of my ratings?

Accepted Answer

Each disability reduces a progressively smaller "whole person," so later disabilities contribute less than their face percentage. Two 50% ratings combine to 75%, not 100%, because the second 50% is applied to the remaining 50% of the person, not the original 100%.

Question 3

What is TDIU and how do I qualify?

Accepted Answer

TDIU (Total Disability based on Individual Unemployability) pays veterans at the 100% compensation rate even if their rating is lower. Standard eligibility requires a single disability rated 60%+ OR a combined rating of 70%+ with at least one disability at 40%+, and an inability to maintain substantially gainful employment.

Question 4

Can I have a 100% VA rating with multiple disabilities all under 100%?

Accepted Answer

Yes. If your combined efficiency losses total 95% or more using the whole-person formula, the result rounds to 100%. For example, ratings of 80%, 60%, and 40% combine to approximately 95.2%, which rounds to 100%. TDIU also provides 100%-equivalent compensation for veterans whose disabilities prevent substantial gainful employment.

Question 5

How often do VA disability ratings get reviewed?

Accepted Answer

The VA can schedule re-examinations for ratings not considered permanent, typically 2–5 years after the original decision. Ratings in place for 5+ years are protected and require evidence of sustained improvement to reduce. Ratings held for 20+ consecutive years cannot be reduced. Veterans may file for an increase any time their condition worsens.

VA Combined Ratings Calculator 2025 — Official VA Method

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