TDIU Guide: Getting 100% Pay When You Can’t Work (Even if You aren’t 100% Rated)

The Math vs. The Reality

Sometimes, VA math doesn’t reflect reality. You might be rated at 70% or 80%, but your conditions make it impossible to keep a steady job.

This is where Total Disability Individual Unemployability (TDIU) comes in.

What is TDIU?

TDIU allows the VA to pay you at the 100% rate because your disabilities prevent “substantially gainful employment.”

  • Key Requirement: You generally need one disability rated at 60%, OR a combined rating of 70% (with one at 40%).
  • The Evidence: You need to prove that your service-connected conditions (not age or non-service injuries) are what stop you from working.

Is TDIU Permanent?

It can be. And yes, it provides the same medical and dental benefits as a standard 100% rating.

If you are struggling to work, Woobie provides medical evaluations and nexus letters based solely on clinical judgment to document the symptoms, diagnoses, and functional limitations of your service-connected conditions. Our fees are for medical services only and are not contingent on the outcome of a claim. Woobie does not provide assistance with claim preparation, filing, or strategy, ensuring our services comply fully with SB 694.





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Estimate Your Potential
VA Disability Benefits

1.

Combined Disability Percentage
This number reflects your overall disability rating, combining multiple conditions.

2.

Bilateral Factor
This adjustment can increase your payment due to disabilities in both limbs.

3.

Tax-Free Payments
Monthly payments are not taxed, ensuring you get the full benefit amount.

4.

Claims Support
Explore Woobie’s Claims Accelerator program for expert help navigating claims.

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