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How do I Qualify for the Service Disabled Life Insurance Program?

Published on October 22nd, 2019

Taking out a life insurance policy can ensure that your family’s finances will be secure after your passing. When you die, your family will need time to grieve, and should not be faced with the financial strain of funeral costs and paying the bills without your support. For this reason, you should consider taking out a Service-Disabled Veterans Insurance (S-DVI) from the Department of Veterans Affairs. The S-DVI program, which is also referred to as “RH Insurance”, can provide you with up to $10,000 of coverage–but not everyone qualifies.

At Jackson & MacNichol, our goal is to ensure that our nation’s veterans’ are adequately compensated for their service. You gave years of your life to your country, so you can expect your country to have your back when you fall on hard times. If you are unable to receive veterans benefits such as disability compensation, we can help. Call us today at 800-524-3339 for a free consultation about your veterans benefits.

You Must Have a Service Related Disability to Qualify for S-DVI

There are several requirements that can limit your eligibility for Service-Disabled Veterans Insurance. Your application must demonstrate that you:

  • Were released from the military with an other than dishonorable discharge on or after April 25, 1951
  • Have a service connected disability
  • Do not have illnesses or medical conditions other than your service related disability or disabilities
  • Apply for S-DVI within two years of your disability rating decision.

There are two things you must keep in mind. First, your disability rating percentage is irrelevant for purposes of applying for S-DVI. Whether you’re rated as 100% disabled or 0% disabled, you can still apply for the insurance policy as long as you can demonstrate that your medical condition is service related. Second, the two year window for applying for S-DVI is only opened by a ratings decision for a new medical condition. If you recently got a VA decision about an increase (or decrease) of your disability rating, this does not give you the ability to apply for S-DVI.

If you are totally disabled, the VA will waive your premiums. This means that you do not have to pay into the insurance policy every month. If you qualify for the premium waiver, are under the age of 65, and apply within one year getting the notice of premium waiver, you may also receive an extra $30,000 in coverage under the Supplemental S-DVI Program. However, there is no possibility of waiving premiums for this supplemental coverage. The VA only waives premiums for the basic coverage.

A Veterans Benefits Lawyer Can Help You Get the Compensation You Need

As a veteran, you and your family may potentially be eligible for dozens of different benefits. You owe it to yourself and to your loved ones to take full advantage of every benefits program you might qualify for. Yet getting access to these benefits is not always easy. And that’s where the veterans benefits lawyers of Jackson & MacNichol can help. If your application for disability compensation has been denied, or you received a lower than expected disability rating, call us today at 800-524-3339 for a free consultation about appealing your case.


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