Compensation is only the start. Here are the benefits your rating can unlock for you and your family.

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The VA DisabilityADVOCATE

What The VA Won’t Put In Writing

Declassified

Description

We decode the evidence rules, exam traps, and rating tricks the VA won’t spell out, then fight to win what you earned.

Notes

Information here is free. Optional accredited representation, no fees unless you win.

VA-ACCREDITED CLAIMS AGENT #45147DENIALS REOPENEDLOW RATINGS CHALLENGEDC&P EXAMS AUDITEDEFFECTIVE-DATE & CUE HUNTSTDIU · SMC · PACT ACTNO WIN, NO FEE ON 20% OR 30% REPRESENTATION · $750 FLAT MISSION 5 BRIEFGOVERNED BY 38 CFR §14.636SECONDARY CONDITIONS LINKEDTERA & TOXIC-EXPOSURE CLAIMSBOARD & HIGHER-LEVEL APPEALSFREE CASE REVIEW, ASK A QUESTIONVA-ACCREDITED CLAIMS AGENT #45147DENIALS REOPENEDLOW RATINGS CHALLENGEDC&P EXAMS AUDITEDEFFECTIVE-DATE & CUE HUNTSTDIU · SMC · PACT ACTNO WIN, NO FEE ON 20% OR 30% REPRESENTATION · $750 FLAT MISSION 5 BRIEFGOVERNED BY 38 CFR §14.636SECONDARY CONDITIONS LINKEDTERA & TOXIC-EXPOSURE CLAIMSBOARD & HIGHER-LEVEL APPEALSFREE CASE REVIEW, ASK A QUESTION
Benefits Center
VA-Accredited Agent #45147

Benefits Center

The benefits you earned go far beyond a single rating. Here is the full landscape.

Most veterans claim one benefit and never learn about the rest. From TDIU and Special Monthly Compensation to survivors’ benefits, pension, and state programs, this is the full map of what your service may have earned, and what the VA will not volunteer.

Interactive Tool

How Your Combined Rating Is Actually Calculated

VA math is not addition. Under 38 CFR §4.25, each rating is applied to whatever is left of a whole person, and the result is rounded to the nearest 10. That is why a 50 and a 30 combine to 70, not 80. Run your own ratings through the diagram below before you count on a number, because many of the benefits on this page turn on it.

Veteran writing down her ratings in a notebook beside her laptop at home
38 CFR § 4.25, Combined Ratings Table

Why 50% + 30% Does NOT Equal 80%

The VA uses “whole-person” math, not simple addition. This is how ratings really stack.

1
Start: fully healthy100% remaining

The VA always begins from a whole, healthy person (100%).

2
Apply your 50% rating50% remaining

50% of 100 is subtracted. You have 50% “efficiency” left.

3
Apply 30% to what remains35% remaining

30% is taken from the REMAINING 50 (0.30 × 50 = 15). 50 − 15 = 35 left.

4
Combined disability65%

100 − 35 = 65, then rounded to the nearest 10 → 70%.

Bottom line: 50% and 30% combine to 65% → rounded to 70%, not 80%. The same math turns two 50% ratings into 75% → rounded to 80%, not 100%. Every rating you add is worth less than the last. That is why which conditions you claim, and in what order, matters as much as how many.

The Veterans We Fight For

Real Veterans. Real Claims. Real Outcomes.

Every case on this desk belongs to someone who served. These are the veterans this practice represents, across every era, branch, and condition: the Vietnam vet who was told it was too late, the Gulf War vet the system called a mystery, the young veteran who walked out of a five minute exam with a zero. Different stories, same fight. The record decides the claim, so we build the record.

A veteran standing outside a VA medical center
Veteran Representation
An older veteran completing his claim forms with his adult daughter
Veteran Representation
An older veteran standing with an American flag behind him
Veteran Representation
Official VA Video Library · Government Produced

It Starts With the Claim Exam

Your compensation and many of the benefits below trace back to how your conditions are rated. Here is what the exam that sets those ratings looks like.

Your VA Claim Exam: What to Expect

Your VA Claim Exam: What to Expect

Tips to Prepare for Your VA Claim Exam

Tips to Prepare for Your VA Claim Exam

An older veteran sorting his medical records into a binder at his desk
Your responsibility as a veteran

Your Part in This Is Not Optional

I will be straight with you. No advocate on earth can win a claim for a veteran who will not do his or her part. The VA decides on the record, and you are the only person who can build the medical side of that record. We do the legal and forensic work. You do yours. Here is what that means, every single time:

  • See a doctor and get every symptom written into your medical record. If it is not on paper, the VA treats it as if it never happened.
  • Keep a symptom journal. Dates, flare-ups, missed work, the nights you did not sleep. That is the evidence of how this condition actually runs your life.
  • Answer every VA letter and every request for evidence before the deadline. Silence gets claims denied.
  • Show up to your C&P exam and describe your worst days honestly. Do not tough it out in that room. Do not exaggerate either.

You do your job and we will do ours. That is how claims get won.

Choose Your Service

The Three Services

We offer three completely separate services, kept distinct on purpose so you know exactly what you are buying, what it costs, and how it is paid. These are not tiers of one agreement, you choose the single option that fits your situation.

Two are contingency representation with no cost up front; they differ by how hard the case is and how the fee gets paid. The third is a flat-fee forensic report for the veteran who wants to fight the claim himself.

An accredited claims agent and a veteran reviewing a clean, single-issue appeal together
Option 1

Standard Direct-Pay Representation

20% of back pay

No cost up front, nothing out of pocket. The VA withholds our fee and pays us directly under §14.636(h). Best for cleaner, more recent, single-issue denials, routine higher-level reviews, supplemental claims, and rating increases, carried all the way to the Board of Veterans’ Appeals.

See full details
An advocate reviewing a veteran's decade-deep claims file
Option 2

High-Complexity Representation

30% of back pay

For high-complexity cases, long claim histories, prior Board denials, CUE, complex effective-date and TDIU fights, multi-issue toxic exposure. Still no cost up front. Because the VA pays a rep only up to 20% directly, the VA sends your full retro to you and we invoice you directly for the 30%. Lawful, but never entered into lightly.

See full details
A forensic file audit in progress
Option 3

Mission 5 Intelligence Brief

$750 flat

A standalone forensic file review and written road map, not representation. For the veteran with a tough, older case who wants to fight it himself and keep 100% of his back pay. We audit your file, show you every error, and hand you the plan. Available only to veterans who already have a VA decision.

See full details

The exact contingency percentage on your case is set in a written agreement by the complexity of the work, always within the maximum the law allows. Federal-court litigation, if it is ever needed, is a separate, pre-agreed arrangement.

A veteran shaking hands with his VA-accredited claims agent after reviewing his claim
Denied or under-rated?

Talk to a VA-accredited claims agent about your claim

Albert L. Thombs Jr. is a US Army veteran, VA-Accredited Claims Agent #45147, and 100% service-connected himself. He personally reviews every request. Fees are capped by 38 CFR §14.636, and there are no fees on representation unless you win.

702-992-4883

Mon–Fri, 11AM–6PM Pacific

Questions are always free. The Mission 5 Brief is $750 flat.