Friday, August 1, 2014
FAIRFIELD-SUISUN, CALIFORNIA
99 CENTS

Individual unemployability benefit can help veterans

puntillo column sig

By
From page A8 | October 20, 2012 |

In some cases, a veteran’s disability is not severe enough to qualify for a 100 percent rating under the Veterans Affairs rating schedule, yet the veteran can’t obtain or hold on to a job because of that disability.

There is a VA benefit option to address this situation. The benefit known as Total Disability due to Individual Unemployability (TDIU) grants the veteran the equivalent of a 100 percent rating. The veteran is paid at the 100 percent rate even though their “true rating” is something less than 100 percent.

Here’s how the rating system works. Once the VA determines a veteran is service-connected disabled, it assigns a disability rating according to its schedule for rating disabilities. Disability ratings are expressed as a percentage based on the average impairment of the veteran’s earning capacity. This means that the more severe the veteran’s symptoms are, the bigger the impact becomes on his or her ability to work.

Many of the 100 percent disability ratings include a requirement that the veteran is not able to get or keep a job because of that disability.

In order to qualify for TDIU, service-connected disabilities must meet minimum rating thresholds:

– If the veteran has only one service-connected disability, it must be rated at least 60 percent or higher.

– If the veteran has two or more service-connected disabilities, at least one of those disabilities must be rated at 40 percent or higher, and, after factoring in the ratings for the other disabilities, the veteran’s combined disability rating must be 70 percent or higher.

– The final eligibility requirement is that the veteran must be unemployable on the basis of one or more of his or her service-connected disabilities.

Entitlement to TDIU generally requires evidence of unemployment due to the disability in question (i.e., employment history or employer records) and medical evidence that the veteran’s service-connected disability renders him or her totally disabled and unemployable (i.e., a doctor’s opinion letter). Age cannot be a factor in determining this benefit by the VA.

The fact that you have a paying job does not automatically disqualify you from being entitled to a TDIU rating. If your salary is substantially less than the prevailing poverty level (currently $11,702), or you are working at a job where you are protected from job requirements that someone else in that position would be expected to satisfy (e.g., working for a friend or relative), the VA will not consider you to be gainfully employed.

A job with a salary below the poverty level is called “marginal” employment. A job where you are protected from normal work requirements is called “sheltered” employment. Both marginal and sheltered employments are exceptions to the unemployment requirement for TDIU benefits.

TDIU is not necessarily a permanent benefit. The VA may periodically require you to undergo medical examinations to verify whether you are still unable to work due to a service-connected disability. Failure to report for such an examination could result in a revocation of TDIU.

Likewise, if the VA becomes aware that you are working at a job that is neither marginal nor sheltered while you are receiving TDIU benefits, your TDIU rating could be revoked and you may be liable to the VA for TDIU benefits paid to you after you became employed.

In addition, the VA will normally send you a questionnaire annually, inquiring about your income and your employment. Failure to return this questionnaire could also result in revocation of this benefit.

Veterans should exercise caution even if working as a volunteer. If the VA determines that the nature and amount of unpaid work demonstrates you are not unemployable, TDIU can be revoked. Whenever the VA revokes a TDIU rating, the amount of disability compensation drops to the level of the veteran’s actual rating under the rating schedule.

If you are a veteran who can’t work due to service-connected issues, you should come into our office and inquire about filing a claim for individual unemployability.

While you are here, pick up a Veterans Discount ID Card that easily identifies your veteran status to merchants who offer discounts to veterans. Simply bring in your honorable discharge (DD-214) and we will issue you the card free of charge.

Ted Puntillo is director of Veteran Services for Solano County. Reach him at 784-6590 or TEPuntillo@SolanoCounty.com. The Solano County Veteran Services Office, 675 Texas St. in Fairfield, is open from 9 a.m. to noon and 1 to 4 p.m. Monday through Friday.

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Discussion | 5 comments

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  • David Anaise MD JDOctober 25, 2012 - 10:35 pm

    It is important to stress that Tdiu is presumed. the veteran does not need to request it thus the effective date is the date the veteran files. If a veteran receives rating for 60% or 40% + 30% and he is not working I suggest that hr files a NOD and demand that the VA should explore his right to get TDIU. See danaise..com for more details

    Reply | Report abusive comment
  • susie nobleAugust 03, 2013 - 6:00 pm

    Do you think that the "unemployability' rating can further damage the mental health of the veteran? With a 70 plus 30 rating.. the Veteran does not qualify for VA housing benefits(lower payment on closing) for the 100% disabled, nor do they qualify for many others. IE. base shopping, Federal and state national forest perks. I'm sure there are other things.. What happens if a request is made for total disability using the 30% as a factor in keeping the Veteran in constant frustration.. just because of the wording of such a rating.. If the Veteran cannot gain employment because of their disability.. isn't the 30% just as much a part of that disability?

    Reply | Report abusive comment
  • Harry McGuffeeSeptember 23, 2013 - 10:18 am

    Mr. Puntillo, I work at a VA call center and i came across this article. On the TDIU you are right on the money but in your last paragraph you stated for Veteran's to pick up a Veteran's discount ID card. Can you send me a copy of what your agency is issueing and is it just for your local area? We get calls all the time about an id card for benefits but we do not offer ID cards other than for VAMC treatment. Thanks

    Reply | Report abusive comment
  • Joseph GrahamJanuary 17, 2014 - 5:55 pm

    Ted Good article. You might want to review the recent U.S. Appeals Court Ruling in favor of Clarence Bennett in the case of Clarence Bennett vs. Eric Shinseki /July 2 2013 NO. 12-0590 which, although not setting a precedence, did clearly show that the above percentages do not always have to apply..

    Reply | Report abusive comment
  • TimJuly 23, 2014 - 2:28 pm

    So if you receive 100% disability, you file for your SSA and get approved, AND your deemed 100% unemployeable from the VA what is the compensation amount for the veteran? Is there a compensation amount for the veteran or just labeled unemployeable? I've filled out the TDIU form but I've heard nothing in return.

    Reply | Report abusive comment
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