VA disability compensation is assigned in percentage increments from 0% to 100%. As a Veteran’s rating increases, additional benefits may be available at the federal (VA), Massachusetts state, and sometimes local level.

Note: Benefits build upon each other — higher ratings generally include benefits from lower ratings.

0% Rating

• Service-connected condition recognized

• Eligibility for VA healthcare for that condition

10% – 20% Rating

Includes all benefits above, plus:

• Monthly tax-free compensation

• Eligibility for expanded VA healthcare access

• May qualify for limited Massachusetts Veterans’ services support

30% – 40% Rating

Includes all benefits above, plus:

• Additional compensation for dependents

• Expanded VA healthcare coverage

50% Rating

Includes all benefits above, plus:

• No-cost VA healthcare for all conditions

• VA prescription coverage

• Increased access to state and local assistance programs

60% Rating

Includes all benefits above, plus:

• Higher compensation levels

• Increased likelihood of qualifying for TDIU

• Greater access to financial and medical support programs in Massachusetts

70% Rating

Includes all benefits above, plus:

• Strong eligibility for TDIU (Individual Unemployability)

• Expanded access to mental health care and long-term services

• Increased eligibility for Chapter 115 benefits through Massachusetts (financial assistance program for Veterans and dependents)

80% – 90% Rating

Includes all benefits above, plus:

• Higher monthly compensation

• Greater access to Massachusetts property tax exemptions (amount varies by disability level and municipality)

• Eligibility for additional local Veteran benefits and fee waivers

100% Rating (Schedular)

Includes all benefits above, plus:

Federal (VA) Benefits

• Maximum monthly compensation

• Comprehensive VA healthcare

• VA dental care

• Dependents’ Educational Assistance (Chapter 35)

• CHAMPVA healthcare for dependents

• Commissary and exchange privileges

Massachusetts Benefits

• Significant property tax exemption (varies by municipality; often substantial relief at 100%)

• Motor vehicle excise tax exemption (for qualifying disabled Veterans)

• Disabled Veteran license plates (no fee) (handicap only)

• Hunting and fishing licenses at no cost

• Tuition waivers at Massachusetts state colleges and universities (dependent on program and eligibility)

• Continued eligibility for Chapter 115 financial assistance if income-qualified

Total Disability Based on Individual Unemployability (TDIU)

Paid at the 100% rate, even if the schedular rating is lower.

Includes:

• All benefits at the 100% compensation level

• Massachusetts benefits typically aligned with 100% disability status (depending on program requirements)

Special Monthly Compensation (SMC)

Additional compensation for Veterans with severe disabilities or specific needs.

May include:

• Aid and Attendance

• Housebound benefits

• Loss of use of limbs or organs

Massachusetts-Specific Programs to Know

• Massachusetts Department of Veterans’ Services – Oversees statewide Veteran benefits and services

• Chapter 115 Benefits – Needs-based financial and medical assistance for Veterans and their dependents

• Local Property Tax Exemptions – Managed at the municipal level; amounts vary by town

• Annuity Program – Annual payments for qualifying disabled Veterans and dependents

Important Notes

• Massachusetts benefits vary by municipality, especially property tax exemptions

• Many state benefits require separate applications

• Eligibility rules may change — always verify with a VSO

Need Assistance?

Understanding your VA rating and Massachusetts-specific benefits can be complex. Your local Veterans Service Officer can help you:

• Maximize your federal, state, and local benefits

• Apply for Chapter 115 and tax exemptions

• File for rating increases or additional compensation