r/VeteransBenefits

Rated veteran who's never used VA healthcare - should I bother?

Yes, you should absolutely enroll in and use VA healthcare, as it is a critical benefit that supports both your health and the stability of your disability ratings. Under 38 CFR 3.303, service connection requires evidence of a chronic disability, and consistent treatment within the VA system creates a continuous, longitudinal medical record that directly supports the chronicity and severity of your conditions, which is invaluable during future reviews or claims for increased ratings (e.g., for mental health under DC 9300-9435, where symptoms are assessed per 38 CFR 4.130). Case law like *Savage v. Shinseki* emphasizes the VA's duty to assist in developing claims, which is streamlined when your records are centralized within VA. Furthermore, using VA care provides access to specialized programs (e.g., audiology, prosthetics, mental health) and cost savings for your service-connected conditions, often with no copays. Your Tricare coverage can be retained as a secondary payer. Your actionable next steps are to **apply for enrollment** immediately via VA Form 10-10EZ online, by phone, or in person at a VA medical center, prioritizing this even if you continue some private care, as establishing your VA medical record is a proactive safeguard. **Disclaimer: This is educational information for claims strategy and benefit optimization, not formal legal or medical advice.**

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What would this rating pay you? (2026 rates)

Official 2026 VA monthly compensation, including the 2.8% COLA increase.

per month ·  per year, tax-free

Dependent add-ons start at a 30% rating. Child-only and dependent-parent rates: see the full 2026 pay chart.

2026 base rates, all ratings (veteran alone)
RatingMonthly (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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Disclaimer: VetAid is not a law firm, medical practice, or Veterans Service Organization. This information is for educational purposes only and does not constitute legal, medical, or professional advice. Consult with a qualified VA-accredited attorney or your VSO representative. Veterans Crisis Line: 988 (press 1).