Veterans rated 100 percent permanent and total, along with their eligible dependents, gained access to the Federal Employees Dental and Vision Insurance Program (FEDVIP) as a result of a law change that took effect in 2023. Before that, FEDVIP was limited mainly to federal employees and military retirees, so most disabled veterans and their families had no dental or vision option through VA at all. Now, if you hold a 100 percent P&T rating, you and your dependents can enroll in FEDVIP dental and vision plans directly through BENEFEDS, the enrollment portal used for that program. This is separate from the VA Dental Insurance Program (VADIP), which is available to veterans enrolled in VA health care but does not cover dependents.
Because your wife and son are on TRICARE Select for medical coverage, it is worth knowing that TRICARE Select itself does not include routine dental or vision benefits for family members unless you are also enrolled in the separate TRICARE Dental Program, which is generally tied to active duty or retired sponsor status rather than VA disability rating. If you are not a military retiree, your dependents likely do not have access to TRICARE Dental, which is why FEDVIP eligibility for 100 percent P&T dependents was a significant expansion.
Official 2026 VA monthly compensation, including the 2.8% COLA increase.
Dependent add-ons start at a 30% rating. Child-only and dependent-parent rates: see the full 2026 pay chart.
| Rating | Monthly (2026, incl. 2.8% COLA) |
|---|---|
| 10% | $180.42 |
| 20% | $356.66 |
| 30% | $552.47 |
| 40% | $795.84 |
| 50% | $1,132.90 |
| 60% | $1,435.02 |
| 70% | $1,808.45 |
| 80% | $2,102.15 |
| 90% | $2,362.30 |
| 100% | $3,938.58 |
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Analyze my claim free →Enrollment in FEDVIP happens during specific windows: an open season each year (typically in the fall, aligned with the federal benefits open season) and a 60-day window after you first become eligible, such as shortly after your 100 percent P&T rating is confirmed. Outside those windows, enrollment generally is not permitted except for certain qualifying life events. Plan options, premiums, and coverage levels vary by plan, and none of these details are set by VA disability regulations but rather by the FEDVIP plan carriers and the Office of Personnel Management, which administers the program.
Outcomes and available plans can vary depending on your state and the specific FEDVIP carriers offering coverage there, so it is worth comparing plans directly rather than assuming they are identical to what federal retirees have.
As a next step, confirm that your 100 percent P&T rating is reflected in VA's records, then visit the BENEFEDS website to check your enrollment window and compare available dental and vision plans for your dependents.
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