Compensation · 2026

10% VA Disability Rating

A 10% VA disability rating pays $180.42/month ($2,165.04/year) in 2026, tax-free, to a veteran without dependents. The rate is set by 38 CFR § 3.4 and adjusted annually for COLA. At 10%, veterans unlock 8 federal benefits, including Service-Connected Status, VA Healthcare (Priority Group 5), VA Home Loan Eligibility.

10% rating, monthly
$180.42
$2,165.04 a year, veteran alone
0%
$0.00
a month
20%
$356.66
+$176.24 a month

Note: Dependent allowances start at 30%. At 10%, your monthly rate is the same regardless of dependents.

Benefits

What benefits do I get at 10% VA disability?

8 benefits available at your rating level (cumulative from 0%)

  • STATUSSince 0%

    Service-Connected Status

    Official recognition of disability related to military service — required for all other VA benefits

  • HEALTHCARESince 0%

    VA Healthcare (Priority Group 5)

    Enrollment in VA healthcare system. Priority Group 5 — may require copays depending on income

  • HOUSINGSince 0%

    VA Home Loan Eligibility

    VA-backed mortgage with no down payment, no PMI. Funding fee still applies at 0%

  • COMPENSATIONNew at 10%

    Monthly Compensation

    Tax-free monthly disability compensation begins at 10%

  • HOUSINGNew at 10%

    VA Home Loan Funding Fee Waiver

    Funding fee completely waived on VA home loans — saves $4,000-$12,000+ on a typical mortgage

  • HEALTHCARENew at 10%

    VA Healthcare (Priority Group 3)

    Upgraded to Priority Group 3 — no copays for SC conditions, reduced copays for non-SC care

  • EMPLOYMENTNew at 10%

    VR&E Chapter 31

    Vocational Rehabilitation & Employment — job training, education, resume help. Requires employment handicap assessment

  • TAXNew at 10%

    State Property Tax Benefits

    Many states begin property tax exemptions at 10% — varies significantly by state

Next at 20%

At 20% you unlock VR&E Serious Employment Handicap. That's +$176.24/mo more in compensation.

Unemployability

Can I qualify for TDIU at a 10% rating?

Not yet eligible

TDIU requires a single condition at 60%+ or combined 70%+ with one at 40%+.

Combined ratings

How do combined VA disability ratings work?

The VA uses the "whole person theory": each rating applies to the remaining healthy percentage, not the total. The result is always less than the arithmetic sum, then rounded to the nearest 10% under 38 CFR § 4.25.

“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.”

  1. 1Single condition rated at 10%
  2. 2Multiple 0% conditions do not combine to 10%

Conditions

What conditions are commonly rated at 10%?

20 conditions have a 10% rating tier in the VA Schedule for Rating Disabilities (VASRD)

  • DC 7828

    Acne

    Deep acne (deep inflamed nodules and pus-filled cysts) affecting less than 40 percent of the face and neck, or deep acne other than on the face and neck

  • DC 7723

    Acquired hemolytic anemia

    Requiring one course of immunosuppressive therapy per 12-month period

  • DC 7702

    Agranulocytosis, acquired

    Requiring continuous medication (e.g., antibiotics) for control; or requiring intermittent use of a myeloid growth factor to maintain ANC greater than or equal to 1500/µl

  • DC 6522

    Allergic or vasomotor rhinitis

    Without polyps, but with greater than 50-percent obstruction of nasal passage on both sides or complete obstruction on one side

  • DC 7831

    Alopecia areata

    With loss of all body hair

  • DC 7700

    Anemia, Iron Deficiency (Hypochromic-Microcytic)

    Iron deficiency anemia: Hemoglobin 9–10 g/dL; symptomatic (fatigue, weakness, exertional dyspnea); requiring regular treatment; no transfusion dependency.

  • DC 7118

    Angioneurotic edema

    Attacks without laryngeal involvement lasting one to seven days and occurring two to four times a year

  • DC 6012

    Angle-closure glaucoma

    Evaluate under the General Rating Formula for Diseases of the Eye. Minimum evaluation if continuous medication is required

  • DC 5271

    Ankle, limited motion of

    Moderate (less than 15 degrees dorsiflexion or less than 30 degrees plantar flexion).

  • DC 5240

    Ankylosing spondylitis

    Forward flexion of the thoracolumbar spine greater than 60 degrees but not greater than 85 degrees; or, forward flexion of the cervical spine greater than 30 degrees but not greater than 40 degrees; o...

  • DC 7335

    Ano, fistula in, including anorectal fistula and anorectal abscess

    One fistula with drainage and pain, but without abscess

  • DC 9520

    Anorexia nervosa

    Occupational and social impairment due to mild or transient symptoms which decrease work efficiency and ability to perform occupational tasks only during periods of significant stress, or symptoms con...

  • DC 7005

    Arteriosclerotic Heart Disease (Coronary Artery Disease)

    Workload of greater than 7 METs results in dyspnea, fatigue, angina, dizziness, or syncope; or; continuous medication required.

  • DC 5010

    Arthritis due to Trauma (Traumatic Arthritis)

    Traumatic arthritis with X-ray evidence of arthritis: with occasional painful episodes and no more than slight limitation of motion; or established by X-ray findings, with at least one-half inch or mo...

  • DC 6833

    Asbestosis.

    FVC of 75- to 80-percent predicted, or; DLCO (SB) of 66- to 80-percent predicted

  • DC 6838

    Aspergillosis

    FVC of 75- to 80-percent predicted, or; DLCO (SB) of 66- to 80-percent predicted

  • DC 6602

    Asthma, bronchial

    FEV-1 of 71- to 80-percent predicted, or; FEV-1/FVC of 71 to 80 percent, or; intermittent inhalational or oral bronchodilator therapy

  • DC 6313

    Avitaminosis

    Confirmed diagnosis with nonspecific symptoms such as: decreased appetite, weight loss, abdominal discomfort, weakness, inability to concentrate and irritability

  • DC 6523

    Bacterial rhinitis

    With permanent hypertrophy of turbinates and with greater than 50-percent obstruction of nasal passage on both sides or complete obstruction on one side

  • DC 7207

    Barrett's esophagus

    Documented by pathologic diagnosis with low-grade dysplasia

Quick facts

Monthly rate
$180.42

Veteran alone, no dependents

Annual
$2,165.04

Tax-free under 26 U.S.C. § 104

With family
Same rate

Dependent allowances begin at 30%

TDIU eligible?
Not yet

Need single 60% or combined 70%+

COLA increase
2.8%

2026 adjustment

Benefits unlocked
8

Cumulative federal benefits

Questions

Frequently Asked Questions

How much does a 10% VA disability rating pay per month in 2026?

A 10% VA disability rating pays $180.42/month ($2,165.04/year) for a veteran without dependents in 2026. This amount is tax-free under 26 U.S.C. § 104.

Is VA disability compensation taxable?

No. VA disability compensation is fully tax-free under 26 U.S.C. § 104(a)(4). It is excluded from gross income and does not need to be reported on federal or state tax returns. Military retirement pay is separate and may be taxable.

What benefits do I get at 10%?

At 10%, you are eligible for 8 cumulative federal benefits, including Service-Connected Status, VA Healthcare (Priority Group 5), VA Home Loan Eligibility. Benefits unlock cumulatively — every benefit available at lower ratings also applies at 10%.

Can I qualify for TDIU at 10%?

TDIU requires a single condition at 60%+ or combined 70%+ with one at 40%+.

What is the difference between a 10% and a 20% VA disability rating?

A 20% rating pays $356.66/month — $176.24/month more than the 10% rate. That difference compounds to $2,114.88/year. At 20%, you also unlock VR&E Serious Employment Handicap.

How do combined VA disability ratings work?

The VA does not add ratings together. Instead, it applies the "whole person" theory: each successive disability is calculated against the remaining healthy percentage. For example, 50% leaves 50% whole; a second 30% rating is 30% of 50% (15%), producing a combined 65%, which rounds to 70% under 38 CFR § 4.25. This means the combined rating is always less than the arithmetic sum.

When does COLA increase VA disability rates?

VA disability rates are adjusted annually based on the Social Security Administration's Cost-of-Living Adjustment (COLA). The 2026 rates reflect a 2.8% COLA increase, effective 2025-12-01. COLA changes are applied automatically — no action is needed.

Sources & Authorities

  1. 1.
  2. 2.
  3. 3.

VeteranHQ

See What You’re Missing at 20%

An increase from 10% to 20% means +$176.24/month. Our engine can analyze your conditions and find the strongest path to a higher rating.

Get My Free Analysis