Every fee, every option and every term is laid out here in writing, before you sign anything.

Crisis Line: 988702-992-4883
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
Representation & Fees
VA-Accredited Agent #45147

Representation & Fees

Everything in one place, our services broken down, the real difference in service, enforceability, what happens if the VA fails to pay, myths versus facts, and plain answers. All governed by 38 CFR §14.636. Representation is paid only from past-due benefits the VA awards, never from your future monthly payments, and every term is in writing before you sign.

I want you to know exactly what representation costs before you sign anything. Our two representation options are contingent, paid only from past-due benefits, and never from your future monthly payments. The Mission 5 Brief is a separate flat fee for veterans who want to file on their own. Read every option on this page, compare it to what others charge, and ask me any question you have. A fee agreement you do not understand is a fee agreement you should not sign.

Section 1

Our Services, Broken Down

This section lays out exactly what you are hiring us to do, option by option, so nothing is left to a phone call or a handshake. Representation is paid only from past-due benefits we win, at 20% or 30% depending on the option you choose, and the Mission 5 Brief is a separate $750 flat fee. Read every line before you sign. If a term is unclear to you, ask before you sign, not after.

No Fee Unless You Win, And It Applies to Every Recovery

On contingency representation, we are only paid when we win you past-due benefits. No win, no fee, you owe nothing. And understand this from the start: the fee is not a one-time charge. Each condition is its own case, and every appeal that results in back pay is its own recovery. When we fight, win, and it produces a retroactive award, the agreed fee applies to that award, and it applies again the next time we do it. That alignment is intentional: when we fight for a larger award and an earlier effective date, we are fighting for both of us.

Why We Can Charge a Fee at All

Let me be abundantly clear about this, because it is where most veterans get misled. A fee is only lawful because I am federally accredited. I am a VA-accredited claims agent, accreditation #45147, recognized by the VA Office of General Counsel. That accreditation is what gives me the legal authority to represent you for a fee. I am accountable for the accuracy and professional conduct of the representation I provide, and that accountability is the reason a fee is permitted at all.

38 CFR §14.636 is the federal regulation that governs exactly what an accredited agent may charge for and what he may not. We follow it to the letter. Here is the plain-English version of what the law allows and does not allow:

What the Law Allows

  • Charging a contingency fee on the past-due benefits we recover for you
  • Being paid directly by the VA out of your retroactive award (up to 20%)
  • A written, reasonable fee agreement filed with the VA Office of General Counsel
  • A separate fee for each award, on each condition, each time we win a recovery

What the Law Does Not Allow

  • Charging a fee for an initial claim before the VA issues its first decision
  • Any fee at all when there is no favorable outcome and no back pay
  • A fee taken from your ongoing monthly compensation going forward
  • A verbal, unwritten, or unfiled fee arrangement

This is why our representation focuses on veterans who have already been denied or under-rated, the appeals and rating fights where an accredited agent adds the most value and where a fee is legally permitted. You always know exactly what you agreed to, and the VA has a copy.

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.

A veteran in his fifties smiling with relief as he reads his VA award letter at the dining table, nothing paid up front
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
A veteran and her advocate working through stacks of tabbed claim binders and decades of records
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
An advocate auditing a C&P exam report with a magnifying glass and red pen while the veteran watches
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.

Compare the Three Services Side by Side

Every service starts from the same forensic review of your file, that is the foundation every client gets. From there the three diverge sharply in who does the fighting, how far it is carried, and how the fee is paid. The green checks and red marks below show, at a glance, exactly where the services are the same and where they are not.

Feature / ScopeOption 1Standard Direct-Pay20% contingencyOption 2High-Complexity30% contingencyOption 3Mission 5 Brief$750 flat
Primary PurposeWe execute the approved strategy for youWe execute a complex strategy with greater client collaborationWe provide the intelligence, you execute it
Formal Ongoing RepresentationIncludedIncludedLimited engagement, closed after the briefing
Shared foundationForensic FoundationSame forensic foundationSame forensic foundationThe forensic report is the purchased product
Who Prepares & FilesOur officeOur officeThe veteran
Communication ModelMilestone-basedHigher-engagement and collaborativeOne 45-minute briefing
Client ParticipationTreatment, evidence, statements, examinations, and timely responsesAll standard responsibilities plus greater participation at major strategy pointsFull responsibility after delivery
Written Report Delivered to YouWorking analysis drives your strategyWorking analysis drives your strategyPlain-language plan handed to you
Best Suited ForA straightforward denial within the past 12 months with clean, available evidenceMulti-year denials, 5-10+ year C-files, prior BVA appeals, CUEs, complex TDIULong-term filers who want to execute the claim on their own
Fee20% contingency of past-due benefits30% contingency of past-due benefitsFlat $750, paid once
How the Fee Is PaidVA-directed withholding from past-due benefits, when applicableYou pay the firm directly under the written agreementPaid by you at the time of engagement
End PointWhen the agreed representation concludesWhen the agreed representation concludesAfter report delivery and briefing
Future WorkGoverned by the representation agreementGoverned by the representation agreementRequires a new engagement
Full detailsOption 1 page Option 2 page Option 3 page

Options 2 and 3 serve the same high-complexity veteran and receive the same depth of forensic review, the difference is the scope of the engagement and how the work is delivered, never the quality of the advocacy. Both non-direct arrangements are filed with the VA Office of General Counsel (022D) within 30 days, as the regulations require. Each service has its own page above, open it for the full breakdown.

What We Do Not Do

We are a VA-accredited disability-claims representation practice. Our work is to analyze the record, identify errors and evidence gaps, develop the appropriate strategy, prepare authorized filings, and protect the veteran’s interests throughout the agreed representation. Knowing where that work starts and stops up front saves you time, keeps your expectations honest, and tells you exactly which parts of the claim stay in your hands.

We are not a medical provider, a routine claim-status service, or a business that promises every veteran a 100% rating. We do not manufacture evidence, script exaggerated symptoms, or file unsupported issues merely to see what happens.

We will tell you where your case is strong, where it is vulnerable, what VA may have gotten wrong, and what must happen next. That honesty applies equally to every service we provide. I am a VA-accredited claims agent, Agent #45147, and I am accountable for the accuracy and professional conduct of the representation I provide.

A veteran tracking his own VA claim status on a smartphone app at a kitchen table

We Do Not Pull Claim Statuses

Our meetings are for strategy, not status checks. The VA gives you tools to track your claim in real time, VA.gov, the VA: Health and Benefits app, and My HealtheVet, showing exactly where it sits and whether an exam was ordered. We will not spend a strategy session reading you a screen you can pull up on your phone. Contact us when you have new medical evidence, a completed statement, or a case-development question, not for an update we cannot act on.

A physician in a white coat writing a formal medical opinion letter at a desk with a stethoscope

We Do Not Write Nexus Letters

We are not your doctors. A nexus letter has to come from a qualified medical provider who can speak to your diagnosis, your treatment history, and the link between your condition and your service. What we do is tell you exactly what that letter must say to carry legal weight under 38 C.F.R. Part 3, the standard, the language, and the evidence it has to line up with. A nexus opinion built on the wrong standard is worth nothing. We make sure yours is built to win.

A doctor listening to a veteran patient during a consultation in a clean clinic exam room

We Do Not Recommend Doctors or Keep a List

We do not keep a “list of doctors” and we do not recommend specific providers. We have the law. Who treats you stays between you and your own providers, and anyone handing you a doctor and a nexus as a package deal should make you nervous. What we do is show you how to talk to your doctor, what to document, and what findings the rating schedule requires under 38 C.F.R. Part 4. The diagnosis has to be yours, we make it count.

A clean, empty Compensation and Pension medical examination room with an exam table and clipboard

We Do Not Coach You to Game an Exam

There are no magic words, no cheat sheet, no answers to memorize before a C&P examination. Every claim is different, so forget what your buddy told you, his 70% has nothing to do with your case, and following someone else’s playbook can sink a good claim. What we do is review your completed C&P exams, pinpoint what the examiner missed or got wrong, and challenge an inadequate exam under 38 C.F.R. §3.159 so nothing that matters gets left on the record.

A neatly organized stack of medical record folders and documents on a wooden desk

We Do Not File Claims Without Evidence

We do not throw paperwork at the VA to see what sticks. Every claim we file is backed by a current diagnosis, a documented nexus, and a history of care showing functional impairment. Without those three, we cannot file, that is the law under 38 C.F.R. Part 3, not us being difficult. If you have not seen a doctor, you have no diagnosis, and there is nothing to file. That part is your responsibility: go get the condition documented, and we will tell you exactly what that record needs.

A disability rating document on a desk showing a percentage gauge graphic

We Do Not Promise You 100%

Not every veteran is entitled to 100%. Every veteran is entitled to the maximum rating the evidence supports for each condition. If your case supports 70%, we get 70%; if it supports 100%, we get you there, but we will not tell you what you want to hear to sign you up. The combined ratings table under 38 C.F.R. § 4.25 is not additive; a new 30% on top of 90% does not add 30 points. We walk you through the real math in the Mission 5 forensic review.

A laboratory microscope beside clinical research papers, representing evidence-based medicine

We Do Not Entertain Medical Theories Without Medical Proof

We do not file claims built on theories, assumptions, or what a YouTube channel told you qualifies. If it is not documented by a licensed provider, it does not exist to the VA. None of it holds up under 38 C.F.R. Part 3, and filing it wastes your time, our time, and your appeal rights. What we do is review your actual record, diagnoses, treatment notes, clinical findings, and find which conditions have a legally and medically supportable pathway. Bring us records, not theories, and we will show you what the law can do.

An accredited advocate talking straight with a veteran across a desk with a handshake of trust

We Do Not Pressure Veterans to Hire Us

We provide an honest assessment of whether the matter fits our practice. We do not promise a result, bid against another representative, or tell a veteran what we think they want to hear. When the evidence supports a path forward, we explain it. When it does not, we explain that too. If it is strong, we move; if it has holes, we tell you exactly how to fill them, because cycling through representatives looking for a yes is how veterans waste years.

Related Benefits We Help You Understand

A VA disability award may affect benefits involving dependents, health care, education, housing, taxes, and survivors. We help our disability-compensation clients understand the larger significance of their award, what records should be preserved, what family members should know, and when another benefit may require a separate application or specialist.

Matters Outside Our Current Representation Scope

We do not currently prepare or prosecute the following applications as part of our disability-compensation representation. When one of these matters is relevant, we explain the connection and direct the veteran or family toward the appropriate VA office, accredited representative, professional, or program.

  • VA home-loan applications
  • GI Bill and Chapter 35 applications
  • CHAMPVA and TRICARE enrollment
  • VR&E applications
  • Standalone survivor or DIC representation
  • Fiduciary and guardianship proceedings
  • Discharge upgrades and military records correction
  • CAVC or federal-court litigation
  • Social Security claims
  • Tax, estate, and financial planning

Outside your representation scope does not mean outside your concern.

Our standard: if your situation involves a VA disability compensation claim, whether it is a new filing, a denied claim, an appeal, or a rating increase, that is exactly what we do. Everything above is best handled by the specialists who focus on it.

How the Fee Is Applied, Per Recovery

This is the part veterans miss, so here it is laid out end to end. Each condition is treated as a separate case. Each one can be decided at a different time and can produce its own back pay. The contingency fee applies to each award, calculated and due when that award is received. Then the cycle can start again on the next issue.

STEP 1

We win a recovery

A favorable decision grants service connection, a higher rating, or an earlier effective date.

STEP 2

The VA calculates back pay

The past-due lump sum owed to you from the effective date forward.

STEP 3

The agreed fee applies to that award

The 20% or 30% is applied to that one recovery, never to your future monthly pay.

STEP 4

Next appeal, it applies again

A new appeal or claim is a new written agreement, and a new recovery earns the fee again.

In plain terms: every time we appeal and it results in back pay, we are entitled to the fee on that recovery. If we win you three separate awards over the life of your claim, the fee applies to each of the three, because each one is a separate case, a separate fight, and a separate result. New appeals and new claims require a new written agreement, so nothing is ever hidden or assumed.

Calculating retroactive VA back pay from the effective date forward under 38 CFR §3.400

Understanding Back Pay

Retroactive benefits (“back pay”) are the difference between what the VA should have been paying you and what they actually paid you, calculated from your effective date forward. The effective date is set under 38 CFR §3.400 and is often the date of your original claim or Intent to File. Each of these is a separate recovery, and each one the fee attaches to on its own.

Example 1, A denied claim, later won on appeal

A veteran files a claim in January 2023. The VA denies it. We file a supplemental claim and win a 70% rating in January 2025. The effective date is set back to the original claim date (January 2023), so the veteran is owed 24 months of the difference between their old rate and their new 70% rate.

Example 2, An increase that should have come sooner

A veteran rated at 30% for PTSD files for an increase in March 2022 because the condition clearly worsened. The VA drags it out and lowballs the rating. We fight it and win 70% two years later, with the effective date pulled back to that March 2022 filing. That is roughly two years of back pay at the difference between the 30% and 70% rates, paid as one lump sum, a second, separate recovery from the first.

Example 3, TDIU wrongly denied

A veteran who cannot hold steady work applies for TDIU (unemployability) in 2021 and is denied. We prove they were unemployable the entire time and win TDIU in 2024, backdated to that 2021 claim. That is nearly three years of benefits paid at the 100% rate, the kind of effective-date fight that produces the largest awards we see.

Our fee applies to each of those lump-sum retroactive payments, not to the ongoing monthly payments the veteran receives going forward. The stronger the effective date argument, the larger the back pay, which is why fighting for the correct effective date is a core part of what we do.

Section 2

The Difference in Service

A veteran weighing representation options, accredited agent versus attorney versus VSO

Choosing the right advocate is critical, and most veterans do not know the real differences. Many assume that hiring a law firm guarantees expert representation, or that a free service will give them the deep-dive strategy needed to win. In reality, very few practitioners focus 100% of their energy on veterans disability law. Here is how a Veterans Service Officer, a general-practice attorney, and an accredited claims agent actually compare, line by line.

Feature / CriteriaVeterans Service Officers(VSOs)General-PracticeAttorneysAlbert L. Thombs Jr.Accredited VA Claims Agent
Federal Legal TestingNo federal exam, accredited through an organization charter (DAV, VFW, American Legion)No VA-specific exam, accredited by simply submitting a state bar licensePassed the VA OGC’s federal exam on 38 U.S.C., 38 C.F.R., the M21-1, and CAVC case law
Practice FocusBroad benefits counseling, healthcare, housing, education, and disabilitySplit across unrelated areas, PI, criminal, family, bankruptcy, SSD100% VA disability compensation, no other practice areas, ever
Continuing EducationOrganization-run training; no federally mandated CLEState-bar CLE in general law; rarely VA-specificMandatory triennial federal VA-law CLE under 38 CFR §14.629
Case Review DepthStandard form completion and review; limited forensic analysisAppellate-template filings built for volumeFull forensic C-file deep-dive, the complete Mission 5 audit
Handling of Your WorkHundreds of files per officer; frequent turnover and reassignmentOften delegated to paralegals; the named attorney may never review your fileAlbert personally reviews every file, no delegation; 25+ years, fellow Army veteran
Types of ServicesForm completion and basic hearing representationFormal representation, briefs and motions, Board and CAVC litigationFull-spectrum forensic representation across all three service options
Cost / Fee StructureFreeContingency 20–33%; some charge retainers or hourlyThree transparent options, 20%, 30%, or $750 flat, locked at intake, never renegotiated
Additional Costs & RiskFree, but limited in depth, a real ceiling on complex casesThird-party medical and expert costs ($1,200+) often passed to you, sometimes hiddenZero hidden costs, your contract is exactly what you pay, nothing more
Best Used WhenInitial or simple claims and basic benefits navigationLitigation at the CAVC beyond the BoardForensic investigation, sophisticated appeal strategy, and rating-plateau breakthroughs

The Truth About “General-Practice” Attorneys

A title is not specialized expertise. A license from a state bar does not mean a lawyer knows the intricate details of Title 38, the M21-1 adjudication procedures, or the diagnostic rating criteria. VA disability law is an extraordinarily specialized federal practice, and there are very few law firms in the country truly dedicated solely to veterans. Most operate multi-practice mills where VA appeals are treated as background contingency files.

Here is the part most veterans never hear: an attorney can become VA-accredited simply by submitting state bar credentials, without ever taking a VA test. An accredited claims agent must take and pass the VA Office of General Counsel’s grueling federal examination, proving real mastery of 38 U.S.C., 38 C.F.R., and CAVC case law. So do not get confused: just because someone is an attorney and charges more does not mean you are getting the representation you deserve. We do not take personal injury, divorce, or traffic cases, every hour of our work is dedicated to veterans.

Section 3

Are Fee Agreements Enforceable?

Short answer, yes. A VA fee agreement is not a promise on a website or a handshake across a desk. It is a written federal filing under 38 CFR §14.636, sent to the VA Office of General Counsel, and it binds both of us to the same terms. Your part is simple: read the agreement you sign, keep your copy somewhere you can find it, and know which option you chose.

Yes, and the enforceability protects you as much as us.

Every fee agreement is a written contract, signed by you, and filed with the VA Office of General Counsel. It is governed by federal law, 38 U.S.C. §5904 and 38 CFR §14.636. That enforceability runs both ways. It locks your fee so it can never be renegotiated upward, it guarantees no fee if we lose, and it forbids hidden costs, while also binding both parties to the exact terms you agreed to. Nothing is verbal. Nothing is assumed. The VA has a copy of everything.

Option 1 · 20%

Standard Direct-Pay Agreement

  • Legal authority: 38 U.S.C. §5904 and 38 CFR §14.636
  • Paid by VA direct withholding under §5904(d)(2)(A), so on Standard Direct-Pay you never write a check
  • The percentage is locked at signing, no renegotiation, ever
  • Covers only the conditions named in the agreement
  • You may revoke anytime; the fee survives only for completed work that resulted in an award
Option 2 · 30%

High-Complexity Agreement

  • Same authority, plus complexity justified in writing under §14.636(e)
  • Non-direct pay: we bill you directly for the 30% after you receive your retro
  • You remit the fee within 10 business days of the later of our invoice or the retro cash
  • An unpaid balance follows a graduated 15, 30, and 45-day process, never a lien on protected VA benefits
  • No hidden costs; the fee is locked and reviewable for reasonableness
Option 3 · $750

Mission 5 Brief Agreement

  • Lawful only after a prior VA decision on the issue (38 U.S.C. §5904(c))
  • Limited scope: no POA of record, not ongoing representation
  • Deliverables: forensic review, a written report, and one 45-minute consult
  • The $750 is due before the review begins; you keep 100% of any retro
  • Authorization ends automatically on delivery; upgrading requires a separate agreement

How Representation Is Formalized: VA Form 21-22a

When we take your case, representation is made official by signing VA Form 21-22a, which appoints your accredited agent. A written fee agreement accompanies it, specifying the exact contingency percentage, 20% or 30%, and the scope of representation. A copy is filed with the VA Office of General Counsel as the regulations require. (The Mission 5 Brief is the exception: it uses a limited-scope authorization and no 21-22a is filed, because it is not representation.)

Because each condition is a separate case, a new appeal or new claim requires a new written agreement, you always see the terms before anything is signed. You can revoke this appointment at any time by filing a new VA Form 21-22a with a different representative, or by submitting a written request to the VA. There is no lock-in and no cancellation fee.

Section 4

What If the VA Fails to Pay My Advocate?

This is a fair question, and veterans ask it most about the 30% option. The honest answer depends entirely on which service you are on, because each one is paid a different way, and each one puts the risk in a different place. Here it is, plainly.

Option 1, the VA pays us

On the 20% direct-pay option, the VA withholds our fee from your back pay and pays us directly. You are never in the middle of it. If the VA miscalculates or is slow, that is our problem to take up with the VA, not yours. Your money and our fee are handled by the VA in the same payment action.

Option 2, we bill you directly

On the 30% option, the VA only pays a representative up to 20% directly, so the VA sends your entire retro to you. We then bill you directly for the agreed fee under the written contract, and you remit it within 10 business days of the later of receiving our invoice or the retroactive cash. This arrangement runs on trust and a signed federal contract, and is never entered into lightly.

Option 3, paid up front

The Mission 5 Brief is a flat $750 paid before the work begins. There is no contingency and no back-pay involved, so this question simply does not apply. You keep 100% of whatever you later win by filing on your own.

Straight Talk on the 10-Day Obligation

On Option 2, because the VA sends the full award to you and we bill you directly, the written agreement obligates you to remit our fee within 10 business days of the later of receiving our invoice or the retroactive cash. That is not fine print, it is the whole reason the 30% option can exist at all. If a balance ever goes unpaid, the agreement follows a measured 15, 30, and 45-day process, a reminder, then a formal demand with a proposed payment arrangement, then lawful collection only as a last resort, and it never places a lien on or seizes benefits protected under 38 U.S.C. §5301. A 30% fee is not presumed reasonable the way a fee of 20% or less can be; it must remain reasonable under 38 CFR §14.636(e)-(f), and you keep the right to ask the VA to review it.

The 30% high-complexity service is a separate engagement with its own written agreement. It is not an upgrade from the 20% and not a surcharge on top of it. We tell you this up front, in writing, before anything is signed, not after. If a 30% arrangement is not right for you, the 20% direct-pay option removes the question entirely, because there the VA pays us and you are never in the middle. Complete transparency is the point.

Section 5

How We Work Together

Fees are only half the picture. The other half is what the working relationship actually feels like, how you reach us, how often you hear from us, and what lands in your hands. Here is the communication and onboarding protocol for each service, side by side.

Option 1 · 20% Direct-PayOption 2 · 30% High-ComplexityOption 3 · Mission 5 Brief
Your First StepFree file review, then we sign VA Form 21-22a and a written fee agreement, $0 up front.Free file review, then VA Form 21-22a and a written 30% agreement, $0 up front.Register, send records, pay the flat $750. Limited authorization, no 21-22a is filed.
Primary ChannelsDirect phone and email with your advocate.Direct phone, email, and scheduled strategy calls, a direct line to Albert on complex issues.One 45-minute strategy call plus your written brief.
How Often You Hear From UsAt every VA action and case milestone.Every milestone, plus proactive check-ins during active development.A one-time deliverable, no ongoing updates.
Client ParticipationMilestone-based. We handle routine internal work without requiring you to take part in every step.Higher-engagement and collaborative, with scheduled strategy sessions and review at major decision points.A single dedicated 45-minute one-on-one briefing.
What Lands in Your HandsFull representation: every filing, evidence submission, and appeal action your case requires.Full representation for a high-development case, including the briefs, motions, and evidence packages a complex file demands, carried to the Board.A 7-section forensic report and a plain-language road map you keep.

No matter which service you choose, there is no hourly billing, calls, emails, and consultations are never charged. One team knows your file start to finish; you never get passed to a stranger.

Section 6

Myths & Facts

The VA claims world is full of secondhand advice, half-truths, and things your buddy swore worked for him. Here are the ones that cost veterans the most, and the truth behind each. Read them before you sign anything with anyone, because the myth you believe today is usually the mistake you pay for later.

Myth

“I hired a rep, so I can sit back and let them handle everything.”

Fact

Your claim is your second job. Even with the best representation, you have to stay engaged, go to your doctor regularly, write honest personal statements, attend your C&P exam and report your worst days (not your best), gather your private records, and respond to the VA promptly. We build the strategy; you have to live the evidence. Under 38 CFR §3.655, even missing an exam can sink a claim.

Myth

“Every veteran should be able to get to 100%.”

Fact

100% is not an entitlement, it is earned by evidence. Each condition is rated individually under 38 CFR Part 4, and a 100% schedular rating means total occupational and social impairment. Not every case supports it. What we do is win exactly what your evidence supports, and where the schedule falls short, we look at TDIU as the alternative path to a 100% rate.

Myth

“My buddy got 70% for the same condition, so I will too.”

Fact

Your buddy’s experience is not your experience. At least seven things differ between any two claims: service treatment records, post-service treatment, the strength of the nexus, current severity and range of motion, secondary conditions, examiner quality, and the rating math. Two veterans with the “same” condition can land at very different ratings, for entirely legitimate reasons.

Myth

“Winning a new rating always means a bigger check.”

Fact

Not always, because VA math is not additive. Under 38 CFR §4.25, ratings combine, they do not add. A veteran at 90% who wins a new 30% condition may still be at 90%, a net increase of $0. That is why we model the combined-ratings math before filing, so you pursue the increases that actually move the needle. See the combined-rating math worked step by step →

Myth

“The fee comes out of my monthly disability check.”

Fact

Never. The fee applies only to the one-time lump sum of retroactive (past-due) benefits, the money owed back to your effective date. Your ongoing monthly compensation is yours in full, and we never take a percentage of your future payments. And there is no fee at all on an initial claim before the VA’s first decision (38 U.S.C. §5904(c)(1)).

Myth

“A rep just wants to keep me dependent on them.”

Fact

The opposite. The goal is your independence. This entire website is a breadcrumb trail of self-sufficiency tools, calculators, guides, and the Mission 5 Brief, built so you can fight your own claim when you are able to. Representation is a precision tool for problems that need precision, not a crutch. If you can win it yourself, we would rather hand you the road map.

A handshake sealing an honest, contingency-based representation agreement between a veteran and an accredited agent

Our Fee Principles

These are the rules we hold ourselves to on every case, written down so you never have to guess. They come straight from the federal fee regulations and from how we choose to treat veterans. If anything in an agreement you are handed does not match this list, stop and ask before you sign.

No fee unless we win you back pay
The fee applies to every recovery, each award, each time
Fees only on retroactive benefits, never future monthly payments
No charge for initial claims, as the law requires
Both the 20% and 30% contingency are lawful under 38 CFR §14.636
The 30% is never entered into lightly, and once agreed, it is honored
Every agreement in writing and filed with the VA
No hourly billing, no charge for calls, emails, or consultations

Questions About Representation or Fees?

We will explain exactly which of the three services fits your situation and how the fee is applied. No obligation, no pressure.

Section 7

Questions & Answers

Questions & Answers

These are the questions I hear most about how representation and fees work. I want you to know exactly what you are signing before you sign it. Every fee agreement is in writing and follows the VA rules for accredited representatives. Your part is to read these answers, ask about anything that is not clear, and keep a copy of your agreement.

What are your three services and what do they cost?
Three completely separate services, and you pick the one that fits your situation. Option 1, Standard Direct-Pay Representation: a 20% contingency where the VA withholds our fee from your past-due award and pays us directly, with no cost up front. Option 2, High-Complexity Representation: a 30% contingency for high-complexity, high-development cases; because the VA only pays a representative up to 20% directly, the VA sends your full retro to you and we invoice you directly for the 30% under our written agreement. Option 3, the Mission 5 Intelligence Brief: a flat $750 forensic file review and written road map for the veteran who wants to fight the claim himself. They are not tiers of one agreement, they are three standalone offerings.
Which service is right for me?
The right service is confirmed after a comprehensive forensic review of your actual file, which is included in every service model. As a general guide: Option 1 fits cleaner, more recent, single-issue cases; Option 2 fits long, complex, multi-issue files with prior denials; and the Mission 5 Intelligence Brief fits the veteran who wants to file on his own with a forensic road map in hand.
Do I pay anything upfront?
On both contingency options (the 20% and the 30%), no, there is no retainer and no hourly billing, and you owe nothing unless we win you past-due benefits. The Mission 5 Intelligence Brief is different: it is a flat $750 product paid up front, because it is a forensic report you are buying, not contingency representation.
Are your fee agreements actually enforceable?
Yes. Every fee agreement is a written contract, signed by you, and filed with the VA Office of General Counsel. It is governed by federal law, 38 U.S.C. §5904 and 38 CFR §14.636. Enforceability runs both ways: it locks your fee so it can never be renegotiated upward, guarantees no fee if we lose, and forbids hidden costs, while also binding both parties to the terms you agreed to.
What if the VA fails to pay my advocate?
On Option 1 (20% direct pay), the VA withholds our fee and pays us directly, you are never in the middle, and if the VA miscalculates, we take it up with the VA, not you. On Option 2 (30%), the VA sends your entire retro to you and we bill you directly for our fee under the written agreement; you remit it within 10 business days of the later of receiving our invoice or receiving the retroactive cash. On Option 3, the $750 is paid up front, so the question does not apply.
Does the contingency fee apply every time, or just once?
Every time. Each condition is treated as a separate case, and each favorable decision that produces past-due benefits is its own recovery. The agreed contingency fee applies to each award, calculated and due upon receipt. New appeals and new claims require a new written agreement. If we win you three separate recoveries, the fee applies to each of the three.
Why is one fee 20% and the other 30%, and how is each paid?
The 20% (Option 1) is our standard rate for cleaner, more recent, single-issue cases, and it is the maximum the VA will withhold from your back pay and pay us directly under §14.636(h). The 30% (Option 2) is for high-complexity, high-development cases, long claim histories, prior Board denials, CUE, complex effective-date and TDIU fights, multi-issue toxic-exposure work. Because the VA only pays a representative up to 20% directly, on a 30% case the VA sends your entire retro to you and we invoice you directly for the fee. Both are lawful under 38 CFR §14.636, 30% sits below the point (33⅓%) the law presumes unreasonable, but it is still reviewed for reasonableness, and it is never entered into lightly.
Do you charge for a first-time (initial) claim?
No. By law (38 U.S.C. §5904(c)(1)), no agent or attorney may charge a fee on an initial claim before the VA issues its first decision. A fee can attach only after that first decision, on an appeal or increase that recovers past-due benefits. This applies whether you have never filed before or you are an established veteran filing a 21-526EZ on a brand-new condition for the first time.
What is the difference between a VSO, an attorney, and an accredited agent?
A VSO (Veterans Service Officer) provides free, broad benefits help but is accredited through an organization charter, not a federal exam, and carries hundreds of files. A general-practice attorney is accredited by simply submitting a state bar license, no VA-specific test, and usually splits time across unrelated practice areas, often delegating to paralegals. An accredited claims agent passes the VA Office of General Counsel’s federal examination on Title 38 and CAVC case law, focuses 100% on VA disability, and reviews every file personally. The comparison table on this page breaks it down line by line.
Is the fee taken from my monthly check?
No. The fee applies only to the one-time lump sum of retroactive (past-due) benefits, the money owed back to your effective date. Your ongoing monthly compensation is yours in full. We never take a percentage of your future monthly payments.
Can I really keep 100% of my back pay with the Mission 5 Brief?
Yes. The Mission 5 Intelligence Brief is a flat $750 forensic review and road map, not representation. Because we do not file the claim for you, there is no contingency fee, and everything you win by filing on your own is entirely yours. By law this fee-based review is available only to veterans who already have a prior VA decision on the issue (38 U.S.C. §5904(c)).
What happens if we lose?
You owe no representation fee. That is the entire point of a contingency agreement, our compensation is tied to your result, so our incentive is aligned with yours from day one.
Official VA Video Library · Government Produced

What Compensation and Back Pay Actually Are

Accredited representation fees are a percentage of past-due benefits only, and under 38 CFR §14.636 no fee may be charged for work done before the VA issues its first decision on a claim. These official VA videos explain how compensation and the combined rating work, so you can see exactly what a fee is calculated from. Watch them, then read every option on this page before you sign anything.

How VA Disability Compensation Works

How VA Disability Compensation Works

How Your Combined Rating Is Calculated

How Your Combined Rating Is Calculated

A woman veteran filling out paperwork on a clipboard in a clinic waiting room
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.