38 CFR § 4.252026 RatesLast verified: APR 22, 2026

Combined VA Disability Rating — 70% + 100%

Combining a 70% and 100% VA disability rating under 38 CFR § 4.25 results in a 100% combined rating, which pays $3,938.58/month ($47,263.00/year) in 2026 for a veteran without dependents. The VA uses whole-person theory — ratings do not add arithmetically.

First Rating

70%

Second Rating

100%

VA Combined

100%

$3,938.58/mo

“Disabilities will be evaluated on a combined rating from 0 to 100 percent, as provided in the rating schedule, by using the combined ratings table and rounding to the nearest 10 percent.”
— 38 CFR § 4.25, Combined Ratings Table

How is a 70% + 100% combined rating calculated?

The VA applies the whole-person formula: start with 70%, which uses 70 of 100 whole persons, leaving 30 remaining. The 100% disability is then applied to those 30 remaining persons:

Step 1: 70 + (100 − 70) × 100 / 100
Step 2: 70 + 30 × 100 / 100
Step 3: 70 + 30 = 100.0
Step 4 (round to nearest 10): 100%

The arithmetic sum would be 170%. The VA whole-person result is 100% — a difference of 70 percentage points. This gap grows as both ratings increase.

How much does a 100% VA disability rating pay monthly?

SituationMonthlyAnnual
Veteran alone$3,938.58$47,263.00
With spouse$4,158.17$49,898.04
Spouse + 1 child$4,318.99$51,827.88
Spouse + 2 children$4,671.47$56,057.64

All rates are tax-free under 26 U.S.C. § 104(a)(4) and effective December 1, 2025.

What benefits do I get at 100%?

34 cumulative federal benefits available at 100%. See the full 100% compensation detail →

Service-Connected Status

Since 0%

VA Healthcare (Priority Group 5)

Since 0%

VA Home Loan Eligibility

Since 0%

Monthly Compensation

Since 10%

VA Home Loan Funding Fee Waiver

Since 10%

VA Healthcare (Priority Group 3)

Since 10%

VR&E Chapter 31

Since 10%

State Property Tax Benefits

Since 10%

VR&E Serious Employment Handicap

Since 20%

Dependent Compensation

Since 30%

VA Healthcare (Priority Group 2)

Since 30%

VA Dental (SC Conditions)

Since 30%

Auto/Adaptive Equipment Grant

Since 40%

TDIU Pathway (Combined)

Since 40%

VA Healthcare (Priority Group 1)

Since 50%

State Benefits Expansion

Since 50%

TDIU (Single Condition)

Since 60%

Increased Dependent Rates

Since 60%

TDIU (Combined)

Since 70%

State Full Benefits

Since 70%

Near-Total Compensation

Since 80%

Stronger TDIU Case

Since 80%

Near-Maximum Compensation

Since 90%

Strong TDIU Position

Since 90%

Maximum Schedular Compensation

Unlocks at 100%

Chapter 35 DEA

Unlocks at 100%

CHAMPVA

Unlocks at 100%

Complete Dental Care

Unlocks at 100%

Property Tax Exemption

Unlocks at 100%

Space-A Travel

Unlocks at 100%

Commissary & Exchange

Unlocks at 100%

SMC Eligibility

Unlocks at 100%

State Vehicle Benefits

Unlocks at 100%

Concurrent Retirement Pay (CRDP)

Unlocks at 100%

How can I reach a higher combined rating?

Because of whole-person math, adding a new condition has diminishing returns as your existing combined rating climbs. The most effective paths to a higher rating are:

  • Increase an existing condition

    If one of your current ratings has room to increase (e.g., from 30% to 50%), appealing that single rating often produces a larger combined increase than adding a new low-rated condition.

  • Establish secondary conditions

    Secondary conditions caused or aggravated by your primary service-connected disability are ratable on their own. PTSD, sleep apnea, hypertension, and joint conditions are common secondaries.

  • File for TDIU

    If your combined disabilities prevent substantially gainful employment, TDIU pays at the 100% rate regardless of your combined percentage under 38 CFR § 4.16.

Browse secondary condition connections →

Frequently Asked Questions

What is the VA combined rating for 70% + 100%?

Combining a 70% and 100% VA disability rating under 38 CFR § 4.25 yields 100%. The VA uses whole-person theory: 70% is applied to 100 whole persons, leaving 30 remaining. The 100% is then applied to those 30 remaining persons (30 × 100% = 30), giving a combined raw value of 100, which rounds to 100%.

Is the combined rating just 70 + 100 = 170%? Why not?

No. The VA does not add ratings arithmetically. It applies the "whole person" theory: 70% is rated against 100%, leaving 30% remaining. The 100% disability is then rated against that 30% remainder — not the full 100%. This means two 50% disabilities combine to 75% (not 100%), and the result is always less than the arithmetic sum, unless one rating is 0%.

What does a 100% rating pay per month in 2026?

A 100% VA disability rating pays $3,938.58/month ($47,263.00/year) for a veteran without dependents in 2026. This compensation is tax-free under 26 U.S.C. § 104(a)(4).

Is the combined VA rating system different from other federal disability systems?

Yes. The VA combined ratings table (38 CFR § 4.25) is unique to the Department of Veterans Affairs. Social Security Disability Insurance (SSDI), OPM FERS/CSRS disability, and DOD disability ratings use separate legal frameworks. A VA combined rating has no bearing on SSDI eligibility, and vice versa.

Can I qualify for TDIU with a 100% combined rating?

Yes. At 100%, you meet the combined-rating threshold for Total Disability based on Individual Unemployability (TDIU) under 38 CFR § 4.16(a) — which requires a combined rating of 70% with at least one single disability rated 40% or higher. If your service-connected disabilities prevent substantially gainful employment, TDIU pays at the 100% schedular rate.

What does 38 CFR § 4.25 say about rounding?

Section 4.25 states: "The combined value will be converted to the nearest degree divisible by 10, adjusting final values of 5 or more up and values less than 5 down." This means a raw combined value of 65 rounds to 70%, and a raw value of 64 rounds to 60%. The rounding step is the last step — it applies to the final combined value, not to intermediate calculations.

How is the 70% + 100% combined rating different from a single 100% rating?

For compensation purposes, the outcomes are identical — both pay the same monthly rate at 100%. However, the underlying individual ratings matter for TDIU eligibility (which looks at single-condition ratings), for SMC eligibility (which has specific rating requirements), and for future rating increases, since each condition can be rated independently on appeal.

Find What's Driving Your Combined Rating

Our engine analyzes your current conditions, finds qualifying secondaries, and maps the fastest path to a higher combined rating with real 38 CFR evidence.

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