TDIU CALCULATOR

TDIU Eligibility & Pay Calculator

Find out if you qualify for 100% VA pay through Individual Unemployability — even if your combined rating is lower.

2026 Rules · Per 38 CFR § 4.16

💼 What is TDIU?

TDIU (Total Disability based on Individual Unemployability) lets you receive 100% VA compensation even if your combined rating is lower — as long as your service-connected conditions prevent you from holding substantially gainful employment.

There are two paths to qualify: one disability rated 60% or higher, or two or more disabilities with one rated 40%+ and a combined rating of 70% or higher. This is known as the ‘70/40 rule.’

Your income must stay below the federal poverty level to maintain TDIU. Some limited or ‘marginal’ work is allowed without losing benefits — but the rules are strict.

2026 Federal Poverty Level (individual): $15,960.00/year · Source: 38 CFR § 4.16, HHS Federal Poverty Guidelines

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COMMON QUESTIONS

VA benefits, explained plainly

The 70/40 rule is one of two schedular paths to qualify for TDIU. You need two or more service-connected disabilities, with at least one rated 40% or higher, and a combined rating of 70% or higher. The other path requires a single disability rated 60% or higher.