Key Takeaways for 2026
- 2.8% COLA Increase: Effective December 1, 2025, resulting in higher monthly payouts starting January 2026.
- 30% Threshold: You must be rated at least 30% disabling to add dependents (spouse, children, or parents) to your claim.
- Significant Increases: A veteran with a 100% rating can receive over $200 extra per month simply by adding a spouse.
- Retroactive Pay: You may be eligible for back pay if you add dependents within one year of a rating decision or life event.
VA disability dependent pay rates are the additional monthly compensation amounts paid to veterans with a combined disability rating of 30% or higher who have eligible family members. These rates are adjusted annually based on the Cost-of-Living Adjustment (COLA). For 2026, these rates have increased by 2.8% to help veterans and their families keep pace with inflation.
For many veterans, the base compensation rate is just the starting point. If you have a spouse, children, or dependent parents, you are likely leaving money on the table if you haven’t formally added them to your VA award. Understanding exactly how these rates are calculated is essential for maximizing your monthly household income.
The “30% Rule” for Adding Dependents
Before diving into the specific dollar amounts, it is critical to understand the eligibility threshold.
You cannot receive additional pay for dependents if your combined rating is 0%, 10%, or 20%.
The VA only unlocks dependent allowances once you hit a combined rating of 30% or higher. This is often why moving from a 20% rating to a 30% rating is considered one of the most financially significant jumps in the VA disability system. It doesn’t just increase your base pay; it opens the door to hundreds of dollars in potential add-ons for your family.
If you are currently rated below 30% but believe your condition has worsened, review our guide on VA Disability Ratings 101 to understand how to bridge that gap.
2026 VA Disability Dependent Pay Rates (Charts)
The following tables reflect the confirmed 2.8% COLA increase for 2026. These figures are effective as of December 1, 2025, and will be seen in checks deposited in January 2026.
Table 1: Monthly Rates for Veterans Rated 30% – 60%
This table shows the total monthly payment. The “Veteran Alone” column is the base rate. The other columns include the base rate plus the allowance for the specific dependent combination.
| Dependent Status | 30% Rating | 40% Rating | 50% Rating | 60% Rating |
|---|---|---|---|---|
| Veteran Alone (No Dependents) | $552.47 | $795.84 | $1,132.90 | $1,435.02 |
| Veteran + Spouse | $617.47 | $882.84 | $1,241.90 | $1,566.02 |
| Veteran + Child | $596.47 | $853.84 | $1,205.90 | $1,523.02 |
| Veteran + Spouse + Child | $666.47 | $947.84 | $1,322.90 | $1,663.02 |
| Veteran + Spouse + 1 Parent | $669.47 | $952.84 | $1,329.90 | $1,671.02 |
Table 2: Monthly Rates for Veterans Rated 70% – 100%
At the higher rating levels, the value of each dependent increases. Note that the 100% rate applies to both schedular 100% and Total Disability Individual Unemployability (TDIU).
| Dependent Status | 70% Rating | 80% Rating | 90% Rating | 100% Rating |
|---|---|---|---|---|
| Veteran Alone (No Dependents) | $1,808.45 | $2,102.15 | $2,362.30 | $3,938.58 |
| Veteran + Spouse | $1,961.45 | $2,277.15 | $2,559.30 | $4,158.17 |
| Veteran + Child | $1,911.45 | $2,220.15 | $2,495.30 | $4,085.58 |
| Veteran + Spouse + Child | $2,074.45 | $2,405.15 | $2,703.30 | $4,316.41 |
| Veteran + Spouse + 1 Parent | $2,084.45 | $2,417.15 | $2,717.30 | $4,334.41 |
Table 3: Add-On Amounts for Additional Children
If you have more than one child, or a spouse who requires Aid and Attendance (A/A), use the table below to add these amounts to the relevant “Veteran + Spouse” or “Veteran + Child” rate above.
| Rating % | Each Add’l Child (Under 18) | Each Add’l Child (18-23 in School) | Spouse Aid & Attendance (A/A) |
|---|---|---|---|
| 30% | +$32.00 | +$106.00 | +$61.00 |
| 40% | +$43.00 | +$141.00 | +$81.00 |
| 50% | +$54.00 | +$177.00 | +$101.00 |
| 60% | +$65.00 | +$212.00 | +$121.00 |
| 70% | +$76.00 | +$248.00 | +$141.00 |
| 80% | +$87.00 | +$283.00 | +$161.00 |
| 90% | +$98.00 | +$319.00 | +$181.00 |
| 100% | +$108.37 | +$354.21 | +$201.41 |
Note: Rates are estimates based on the confirmed 2.8% COLA and standard VA rounding rules. Always verify exact cents with official VA correspondence.
How to Calculate Your Total Monthly Payment
Calculating your exact pay can be confusing, especially if you have a complex family situation. Here is a simple step-by-step formula:
1. Identify Your Base Rating: Determine your combined VA disability rating (e.g., 90%).
2. Find Your “Core” Rate: Look at the 90% column in Table 2. Find the row that best matches your primary family unit (e.g., “Veteran + Spouse + Child”). Let’s say that is $2,703.30.
3. Add Additional Children: If you have 2 extra children under 18 (beyond the one included in the core rate), look at Table 3.
* 90% rating adds $98.00 per additional child.
* $98.00 x 2 = $196.00.
4. Calculate Total: $2,703.30 + $196.00 = $2,899.30 per month.
If you are struggling with the math or want to verify your rating percentage, use our VA Disability Calculator guide to ensure you are starting with the correct base numbers.
Retroactive Pay for Dependents
One of the most common questions we receive is: *”I’ve been married for 5 years but just got my 50% rating. Do I get back pay for my spouse?”*
The answer is generally **YES**.
If you file to add your dependents within **one year** of your 30% (or higher) rating decision, the VA will pay you the difference in compensation back to the effective date of your rating. This can result in a significant lump sum check.
* Example: A veteran rated 100% who forgets to add their spouse for 12 months would be owed roughly $2,600 in back pay ($219/month x 12).
However, if you wait longer than one year to add them, the VA will generally only pay you back to the date you filed the request to add the dependent, not the original rating date. Learn more about maximizing these payments in our article on Year-End Back Pay Strategies.
Who Qualifies as a Dependent?
The VA has strict definitions for who can be added to your award. For more details, consult the official VA.gov dependents page.
* Spouse: Legally married spouses (including same-sex and common-law marriages recognized by the state).
* Children:
* Biological, stepchildren, or adopted children.
* Unmarried and under age 18.
* Between 18 and 23 if attending school full-time (requires VA Form 21-674).
* “Helpless Children” who became permanently disabled before age 18.
* Dependent Parents: Parents who rely on you for financial support and have income/assets below a certain threshold.
Frequently Asked Questions (FAQ)
Does the 2026 COLA increase affect my dependent pay?
Yes. The 2.8% COLA increase applies to both the veteran’s base pay and the additional allowances for dependents.
How do I add a dependent to my VA claim?
You can add dependents online via the VA.gov portal or by filing VA Form 21-686c. For college-aged children, you will also need VA Form 21-674. See our guide on Adding Dependents for a walkthrough.
Can my spouse and I both claim each other if we are both veterans?
Yes! If both you and your spouse are veterans with ratings of 30% or higher, you can each claim the other as a dependent (“reciprocal payments”). You can also both claim your children. This is a unique “double dip” allowed by VA regulations.
What happens to my pay when my child turns 18?
The additional payment for that child will stop automatically unless you submit proof that they are enrolled in school full-time (between ages 18-23). Ensure you file the paperwork early to avoid a lapse in payment.
Need help navigating your claim? If you are unsure if you are receiving the correct amount or need assistance increasing your rating to the 30% threshold, book a free consultation with Woobie today. We help veterans build fully developed claims to get the benefits they earned.