I’d like to understand am I Schedular and TDIU OR BOTH? How does that work?

Based on the information provided, you are being paid **Total Disability based on Individual Unemployability (TDIU)**, which is a form of a 100% scheduler rating, not a separate status. You are not "both" in the sense of having two distinct ratings; TDIU is the mechanism by which you are paid at the 100% rate despite not having a 100% combined scheduler rating. The law (38 U.S.C. § 1155) and regulations (38 CFR 4.16) authorize the VA to assign a 100% evaluation for a veteran who is unable to secure or follow a substantially gainful occupation due to service-connected disabilities, even if their combined scheduler rating is less than 100%. Your "combined service-connected evaluation" is likely below 100%, but because the VA found you unemployable, you are "paid at" the 100% rate. This is a critical distinction, as your TDIU status is contingent upon your unemployability and can be re-evaluated, whereas a scheduler 100% rating based on severity alone (under criteria like those in 38 CFR 4.130 for mental disorders) is generally more stable. Your permanent and total designation is a separate finding that provides additional benefits. Actionable next steps: 1) Review your Rating Decision to confirm your exact combined scheduler percentage and the diagnostic codes used. 2) Understand that if you engage in substantial gainful employment, the VA may re-evaluate your TDIU entitlement per 38 CFR 3.343. 3) Since you are P&T, ensure you are receiving all ancillary benefits, such as Dependent Educational Assistance (Chapter 35) and property tax exemptions.

*Disclaimer: This information is for educational purposes regarding VA claims processes and is not intended as legal or medical advice. For personal guidance on your claim, consult an accredited VA attorney or claims agent.*