TDIU: when you can't work

You generally need:

• One service-connected condition rated 60% or more, or
• Two or more with a combined rating of 70% or more, and at least one of them at 40% or more. If you don't meet this, VA can still consider TDIU in special cases. Talk to a free accredited VSO.

VA asks whether you can hold substantially gainful employment: a steady job that pays above the poverty line for one person. Odd jobs, very low pay, or a protected job (like working for family who makes allowances) usually don't count against you. VA looks at your conditions together with your education and work history.

• VA Form 21-8940: your application. It asks about your last five years of work, your education, and when your conditions made you stop.
• VA Form 21-4192: VA sends this to your recent employers to confirm your work. You can file the 21-8940 with an increase claim, or on its own.

• A doctor's opinion that explains how your service-connected conditions keep you from steady work.
• Your own statement about a normal day, and what happens when you try to work.
• Statements from former bosses or coworkers about missed days or tasks you couldn't do.
• A Social Security disability decision, if you have one.
• Records of jobs you tried and lost.

VA may send an employment questionnaire from time to time. Answer it honestly. Some low-income or protected work is allowed, but tell VA about any work.

TDIU pays at the 100% rate, and it can open other benefits, like education for your dependents if VA rates it permanent. Check what your rating unlocks.