What happens after 20 years as a 100% disabled veteran.

After 20 years as a 100% disabled veteran, your benefits don’t expire—they actually become more stable and may even expand depending on your circumstances. Here's a breakdown of what typically happens:

Core Benefits That Continue Indefinitely

Tax-Free Monthly Compensation: You’ll continue receiving the highest VA disability pay tier, adjusted annually for cost-of-living increases.
VA Health Care Priority Group 1: You remain in the highest priority group, granting full access to VA medical services with no copays.
Commissary and Exchange Privileges: You retain access to military base shopping facilities.
VA Travel Reimbursement: If eligible, you can be reimbursed for travel to VA appointments.

???? Housing & Financial Support

VA Home Loan Guaranty: You can use this benefit multiple times, with funding fee exemptions.
Property Tax Exemptions: Many states offer full or partial exemptions for 100% disabled veterans—especially after long-term residency.
Free or Discounted Vehicle Registration: Available in many states after sustained disability status.

???? Education & Family Benefits

Dependents’ Educational Assistance (DEA): Your spouse and children may qualify for tuition support.
CHAMPVA Health Coverage: If you're not eligible for TRICARE, your dependents may receive health coverage through CHAMPVA.
Survivor Benefits: After 20 years, your status may help ensure Dependency and Indemnity Compensation (DIC) for your spouse if you pass away from a service-connected condition.

???? Permanent & Total Status

If your 100% rating is marked “Permanent and Total” (P&T):

You’re exempt from future re-evaluations.
You gain additional protections like civilian job preference, life insurance options, and Social Security Disability Insurance (SSDI) eligibility.

???? What Doesn’t Change

You don’t automatically qualify for TRICARE for Life unless you’re also a military retiree.
Your VA rating doesn’t convert into retirement benefits unless you served 20 years on active duty.

Suggested knowledgebase articles: