My College Roommate Wins 100% Disability Claim - after VA lost his papers for half a century!

Yesterday my college roommate Paul heard from VA that his supplemental claim for disability has been approved. He's now backdated 100% to December 2020! Great news, following the first claim being approved earlier for hearing loss at 40%. My strategy helping him was to tie certain current problems to his hearing loss as secondary issues. VA has agreed, following an appeal that reversed their initial denial.

Now, he will get a better disability compensation, medical care for himself and family, some state benefits and, if and hen needed, nursing home or other such advanced care.

These are earned entitlements which he has been denied for the past half-century. Denied VA medical care, GI home loan, every state benefit withheld. There's no catch-up for what he's been refused.

Remember: this is a good outcome but it really is an immense VA failure! Paul first applied for VA disability benefits when he was released from active duty in 1969. He lived with his disability and forgot all about the VA claim which, decades later, was finally found in his Army dental records. The VA never found this critical document: It took his attorney Katrina Eagle a couple hours. Perhaps...VA didn't give a damn?

A veteran has a reasonable beef with the VA when they take half a century to resolve a claim, meanwhile denying all federal and state benefits. Paul has a beef, but right now he's simply glad things have gotten straightened out.

The VA tried. Dragged it out fifty years, and if only the process had taken a bit longer, until Paul had passed, VA could cancel his claim altogether because when the vet dies, so does the claim. Too bad, VA. At least you made it into your disgusting "Claim Ignored 50 Years Club."

Over half a century. But who's counting?

Helped my college roommate get huge VA retroactive disability check

$155,000. It will be in his bank on Monday," said his attorney K. E, when she called to give me the great news. My old college roommate has won a 52-year old VA claim he'd long-forgotten having submitting in 1969 when he left active duty. 

I got his initial VA claim approved earlier this year at 40% disability with an initial check for $7,000, paying what was due from November 2020 when I mailed it. However, I knew he needed professional help trying to get other serious disabilities related to what the VA decided is already service-connected.

I recommended the attorney I knew best, who also has her solo veteran-focused practice near my friend. Her expertise uncovered the fact that his initial claim had been submitted back in 1969, filed and lost somehow into his VA dental records and never adjudicated. She slapped the paperwork into the mail to catch up with this VA error, and today's great news comes as a blessing for my old friend.

What a happy day!

Expert Advice on Additional Benefits Beyond VA 100%

 This is an excellent blog on various benefits veterans might consider applying for even after earning a VA 100% service connected rating. Look it over!

VA Benefits for a “Traditional Reservist?”

Absolutely! Hearing injuries resulting from armor, heavy weapons, flight or aircraft maintenance duties might qualify you for VA compensation and other benefits. Here’s how. 

Traditional reservists aren’t eligible for most VA benefits because “active duty for training” doesn’t count towards true veteran status – even if it is a year or more such as Undergraduate Pilot Training. Regardless of how long one’s initial active duty for basic and technical school might be, the law doesn’t recognize that as “active service.” 

VA recognizes completion of an active-duty enlistment, or active duty during wartime to qualify a servicemember for benefits, but UTAs, annual tour, active duty for basic and other training are grouped into ineligible “active duty for training.” No bennies. 

BUT – there’s a big exception to that if you experience a disabling injury or disease. Tinnitus is just one such injury. That ringing in the ears, or wind noise or low hum is caused by loud noises. Noises like a C-123 or C-130 makes. Noises like an M-16 makes at 154dB.

Flyers, tank crews, infantry, artillery and others around loud noises in a military setting often suffer tinnitus, and VA recognizes that as a frequent disability - in fact, it is the most common disability veterans have. 

If you have tinnitus or hearing loss you might be entitled to VA care and compensation for that disability, and if you are, that makes you a veteran with all the benefits that wartime veterans receive. Benefits that you’ve earned from damage done your ears.

I looked into this in December 2020 to help a man who was an army reservist with tinnitus from his basic training back in 1968.  He fired the M-14 rifle and did not have any ear protection. Noises of 85 dB and above can cause permanent hearing loss and tinnitus, and our aircraft are far noisier than that: The C-130 cockpit is steady at over 112 dB. The noise is even worse in the aircraft rear! 

After my altitude chamber ride at Edwards AFB I started flying C-130 transports in 1974. I recall that by 1976 or so we received the 3M yellow foam earplugs. They only provided some protection from noise hazards but it was all we had plus our crew headsets; even together they were of little help. 

There was still significant noise reaching the inner ear to cause damage. This kind of damage is permanent and cumulative and can evidence itself in worsening tinnitus and/or hearing loss even years later. 

Here is my point in the VA’s own words: 

“When a claim for service connection is based on a period of active duty for training, there must be evidence that the individual concerned became disabled as a result of a disease or injury incurred or aggravated in the line of duty during the period of active duty for training.”

That is per 38 U.S.C. § 1131 (see also 38 U.S.C. § 1110; 38 C.F.R. § 3.303(a). See CAVC Hensley v. Brown –

  “claimant may establish direct service connection for a hearing disability initially manifest several years after separation from service on the basis of evidence showing that the current hearing loss is causally related to injury or disease suffered in service.”( 5 Vet. App. 155, 164 (1993).” Also see VA Training Letter 10-02 at 15 (rescinded re: incorporation into VBA Adjudication Procedures Manual (M21-1), pt. III, subpt. iv, ch. 4, § D.1-3) 

VA compensation for a 10% tinnitus disability is a modest $144 per month. For someone who served in the reserve components the real importance here isn't the money but rather a hearing injury establishes legal veteran status with all the benefits that attach to being a wartime veteran (we’ve been in a period of war ever since Desert Storm.) 

Sometimes there are secondary issues to adding to hearing loss like depression or hypertension. There can even be tertiary issues, something like hearing loss causing depression which is known to cause heart issues. Rarely, there have been vets getting up to 50% disability ( benefits plus $995/month) based on hearing loss and complications. 

You might not need them now, but benefits can include elderly/low-income pension rights, medical and pharmacy (perhaps with modest co-payments,) rehab, hearing aids, VA home loan, education, and even a new program for veterans called Veteran Directed Care. 

It is for vets faced with significant loss of ADLs (activities of daily life.)
There is no disability rating required, only that a vet be enrolled in VA health care, and with it help can be offered for whatever ADL shortfalls the vet experiences.

If you believe you have tinnitus or hearing loss, or maybe some other issue that began during service and still affects you, get advice from the VA hotline, one of the veterans’ service organizations like DAV or VFW, or your city/state VA office. Get a claim entered immediately because benefits are dated from when VA gets your claim, not when they approve it months later. 

Late note: the Army reservist whose claim I helped prepare got a welcome disability rating of 40% service connection (backdated to date of his application) when VA approved his claim in early June 2021; he has a couple issues still pending that could increase the award significantly. This all went back to hearing injuries during basic training and AIT over half a century ago; good thing he saved, the documentation from his sick call and hospital treatments!

I hope this helps someone!

Wes Carter, USAF Retired

Medical Service Corps

VA Unemployability Disability Ratings (TDIU) – a little background for Colorado

There are two kinds of U.S. Department of Veterans Affairs– 100% and TDIU; both are total and permanent disability ratings that should be recognized for Colorado's disabled vet property tax exemption – but aren't!

VA has 100% rating for total disability for unemployability...and also total and permanent disability individual unemployability (TDIU) or often in print, just IU.  

The Individual Unemployability Benefit is equal in every way to a 100% Schedular rating. The compensation is 100% and that dollar amount is equal to both ratings.  This VA permanent disability rating of TDIU meet Colorado's constitutional requirements for the disabled veteran property tax exemption.

(Note: VA has a temporary version of 100%, which is not eligible for the exemption as it is temporary, not permanent as the Colorado constitution and HB07-1251 require.)

This is the rating CDMVA should reject, not the permanent TDIU. All TDIU ratings are permanent, unless the veteran’s health improves and VA determines employment is possible.

If the veteran is VA-rated as 100% Schedular, he or she may work at any job they are capable of doing. The TDIU veteran is proven unable to hold "gainful employment." Nationwide, about 330,000 disabled veterans are rated TDIU. The IU veteran completes a yearly VA Form 21-4140 to verify that there has been no employment in the previous year. 

More about TDIU:

If awarded, this benefit allows the veteran to receive the total disability rating if he/she is proven unable to secure any gainful employment but only for reasons of very serious line-of-duty injuries worse than standard VA tables anticipate. Frequently state or VA experts will evaluate veterans using Certified Rehabilitation Specialists.

For TDIU, VA specifies basic disability ratings that reach the following levels:

a) a single service connected disability rated at 60% or more, or but which, in fact, is totally disabling

b) the result of 2 or more service-connected disabilities where the total rating is 70% and at least one disability is 40% or more and, in fact, are totally disabling.

This type of claim is automatically considered by the VA Regional Office whenever the Veteran’s service-connected impairment ratings reach the above levels. 

Should TDIU disabled vets qualify for Colorado's disabled veteran property tax exemption? Yes, we believe so, based on several points:

     1. Referendum E's Blue Book analysis clearly included veterans made unemployable due to line-of-duty injuries, and was overwhelmingly approved by the voters.

"Who qualifies for the tax reduction? Homeowners who have served on active duty in the U.S. Armed Forces and are rated 100-percent permanently disabled by the federal government due to a service-connected disability qualify for the tax reduction in Referendum E. Colorado National Guard members injured while serving in the U.S. Armed Forces also qualify." 

The Blue Book described totally disabled veterans eligible for the benefit:

• Veterans are rated 100-percent permanently disabled when a line of duty mental or physical injury makes it impossible for the average person to hold a job and the disability is lifelong. 

But note that the same description, those same qualifications can apply to TDIU vets:

• Similarly, veterans are rated TDIU when an unusually severe mental or physical line of duty injury makes it impossible this specific veteran to hold a job and the disability is lifelong. 

 

Nationally, less than one percent of veterans have a 100-percent permanent disability rating. About 2,200 veterans were expected to qualify for the property tax reduction in Colorado.

     2. Article X Section 3.5 in the Colorado constitution describes the qualifying points of a veteran's disability for the tax exemption, and VA Veterans Benefits Administration confirmed that VA's TDIU rating has the same qualifiers:

 "(1.5) For purposes of this section, "disabled veteran" means an individual who has served on active duty in the United States armed forces, including a member of the Colorado national guard who has been ordered into the active military service of the United States, has been separated therefrom under honorable conditions, and has established a service-connected disability that has been rated by the federal department of veterans affairs as one hundred percent permanent disability through disability retirement benefits or a pension pursuant to a law or regulation administered by the department, the department of homeland security, or the department of the army, navy, or air force. 

Families of Troops Killed in Line-of-Duty – Denied Surviving Spouse Disabled Veteran Property Tax Exemption

If a disabled vet isn't already in receipt if the property tax exemption, the survivor is forever forbidden this important benefit. The system is set up so that widows and widowers of troops killed in the line-of duty will never get the benefit. (click for Gold Star Families' blog on this)

How does Colorado keep troops'' widows from receiving the Disabled Veteran Property Tax Exemption?

Colorado's "PROPERTY TAX EXEMPTION FOR THE SURVIVING SPOUSE OF A PREVIOUSLY QUALIFIED DISABLED VETERAN" form explains that the widow or widower of a totally and permanently 100% service-connected veteran:

"The veteran to whom the applicant was married must have applied for and been granted the disabled veterans property tax exemption as provided by § 39-3-203(1.5)(a), C.R.S., prior to his or her death" (Colorado CMDVA Form 15-DPT-AR DV-002-07/14) 

Very clearly, CMDVA's form discourages widows from applying unless the veteran was already receiving Colorado's disabled veteran property tax exemption. This is even though no prohibition can be found in the constitution or the state's laws as regards the veteran's receipt before death.

Other confusing barriers pop up to frustrate Colorado's most disabled veterans and their survivors. Colorado's constitution spells out the exemption's qualification requirements, but as this blog has carefully detailed, legislation enacted in 2007 to accommodate Referendum E (which became Article X Section 3.5 of the constitution) didn't properly address two vital provisions in the constitution:

(1) HB07-1251 left out the constitution's provision for totally disabled military retirees, and (2)  the Division of Military Affairs added somehow a barrier to VA's Permanent and Total Individual Unemployability (TDIU.)

Vets who've been around the block with the US Department of Veterans Affairs will tell anyone asking how slow the VA is in making its disability awards. Even the simplist 100% disability rating can take years following the initial injury while on duty. Following the Gulf War, this writer was retired by the Air Force with a permanent and total 100% service connected disability military retirement effective in 1996, yet the VA 100% service connected rating didn't follow until 2015! Thus, Colorado denied its tax exemption even though the constitution clearly provides for it. Further, Colorado refused to recognize the VA's TDIU rating dating from 1998,

Were I to have died from my Gulf War injuries or at any time from 1991 until my VA rating came through in 2015, my widow would be forever denied the exemption regardless of my clear eligibility.

Colorado has been doing this to hundreds of disabled veterans' widows and widowers (Gold Star families) since 2007 when HB07-1251 was signed by the governor. For nine years, we have refused the tax exemption to survivors whose veterans were qualified by military disability retirements or TDIU VA disability ratings. Colorado also refuses it to active duty personnel who die in service because, obviously, they never were able to apply for the exemption and thus, their widows are refused.

Does this make sense, after reading the Blue Book's comprehensive description of the goal for Referendum E, or does it make sense after reading Article X Section 3.5 of the constitution? The answer should be no. CMDVA's interpretation of the statute, even though it seems in step with the constitution, has drifted far from what the electorate approved by a 78% margin in the 2006 election.

Until a more compassionate program is established, this year's' military widows will join the ranks of those between 2007 and 2016 in being refused this vital, well-earned benefit.