Everything the VA Offers You — In One Place
The U.S. Department of Veterans Affairs delivers billions in earned benefits every year — health care, disability pay, education, home loans, and more. This is your plain-English map to every program, who qualifies, and exactly how to apply.
Key VA Phone Numbers
VA Benefit Programs
Nine core programs deliver the vast majority of VA benefits. Tap any card to apply directly on VA.gov.
VA Health Care
Comprehensive medical coverage through the Veterans Health Administration — the largest integrated health system in America.
- Primary care, specialty care, mental health & prescriptions
- Priority groups (1–8) based on service, disability rating & income
- Dental care for certain service-connected or enrolled veterans
- Telehealth and My HealtheVet online portal
Disability Compensation
Tax-free monthly payments to veterans with a service-connected disability rated at least 10% disabling.
- Ratings from 0%–100% in 10% increments (2025 comp rates updated annually)
- Additional allowances for dependents, loss of use, or severe disabilities
- Total Disability Individual Unemployability (TDIU) at any age
- Special monthly compensation (SMC) for catastrophic injuries
Mental Health Services
Free, confidential mental health treatment for all enrolled veterans — including those who served in combat or experienced military sexual trauma.
- Individual & group therapy, PTSD treatment (CPT, PE therapy)
- Substance use disorder programs & residential care
- Military Sexual Trauma (MST) counseling — free, no documentation required
- Veteran Readjustment Counseling Centers (Vet Centers) — community-based
Education & GI Bill
Pay for college, graduate school, and training programs. Benefits can also be transferred to eligible dependents.
- Post-9/11 GI Bill — up to 36 months of tuition, housing & book stipend
- Montgomery GI Bill (MGIB-AD / MGIB-SR)
- Vocational Rehabilitation & Employment (VR&E / Chapter 31)
- Yellow Ribbon Program — covers costs above the GI Bill cap
VA Home Loans
Buy, build, improve, or refinance a home with no down payment and no private mortgage insurance.
- No down payment required (up to conforming loan limits)
- Competitive interest rates, no PMI
- Cash-Out Refinance & Interest Rate Reduction (IRRRL)
- Native American Direct Loan (NADL) program
Pension & Survivors
Need-based monthly payments for wartime veterans and surviving spouses with limited income.
- VA Pension — wartime veterans with limited income, age 65+ or disabled
- Aid & Attendance — increased pension for those needing daily care
- Survivors Pension — for dependents of deceased wartime vets
- DIC (Dependency & Indemnity Compensation) — tax-paid survivor benefit
Employment & VR&E
Career counseling, training, and job-placement help for veterans and transitioning service members.
- Veteran Readiness & Employment (VR&E) — retraining for service-disabled vets
- Veteran Employment Through Technology (VET TEC) — fast-track tech training
- Hire Heroes USA & VA for Vets employer partnerships
- On-the-Job Training (OJT) & Apprenticeship stipends
Burial & Memorial
Honoring veterans with dignified burial, memorial benefits, and survivors' support.
- Burial in a VA national cemetery — plot, headstone, perpetual care
- Presidential Memorial Certificate & burial flags
- VA Burial Allowance — partial reimbursement of funeral costs
- Survivor Benefits Plan (SBP) for eligible beneficiaries
Life Insurance
Coverage options designed for veterans and service members, including those with service-connected conditions.
- Veterans Group Life Insurance (VGLI) — convert SGLI after separation
- Service-Disabled Veterans Insurance (S-DVI)
- Veterans Affairs Life Insurance (VALI) — new program, ages 18–80
- Family Servicemembers' Group Life Insurance (FSGLI)
How To Apply — In 4 Steps
VSOs are trained, accredited representatives who help you file claims — at no cost. They know the system inside out and significantly raise your approval odds.
Your VA Benefits, Plus Community Savings
The VA covers your federal earned benefits. Valor Directory adds thousands of verified discounts at local and national businesses — so your service is recognized everywhere you spend.