Dependency and Indemnity Compensation (DIC) is a very important monthly payment for the families of military members who died in the line of duty or from injuries or illnesses connected to their job. It also covers the families of veterans who died of causes unrelated to their service if the veteran was getting or was eligible to getting VA compensation for a service-connected disability that was rated as totally disabling under certain conditions.
Eligibility
Surviving spouses can qualify for DIC if they meet one of the following criteria:
- Married the veteran before January 1, 1957.
- Was married to a service member who died on active duty.
- Married the veteran within 15 years of discharge from the period of service in which the cause of death began or was aggravated.
- Was married to the veteran for at least one year.
- Had a child with the veteran.
Also, the surviving spouse had to have stayed with the veteran the whole time they were alive or, if they were separated, not been at fault for the split. Also, they can’t be married to someone else right now. Children who are still alive and parents who depend on them may also be eligible under certain situations.
DIC Benefits
The basic monthly rate for someone who has lost a spouse is $1,340. This amount goes up if there are more children who depend on the spouse who died or if the spouse who died is housebound or needs help and care. There is also a transitional payment of $332 a month for children under 18 whose parents have died.
| Benefit Type | Monthly Amount |
|---|---|
| Basic DIC Rate | $1,340 |
| Transitional Benefit | $332 |
Survivors Pension
This benefit aids eligible dependents of deceased wartime veterans. To qualify, the following conditions must be met:
- The veteran was discharged under conditions other than dishonorable.
- Served 90 days or more of active duty with at least one day during a wartime period.
- The surviving spouse or unmarried child of the deceased veteran.
- Countable income below the annual income limit set by law.
The VA pays the difference between the amount of income that can be counted and the maximum amount that can be earned in a year. Payments are usually made in 12 equal monthly sums.
CHAMPVA
Veterans who are permanently and totally handicapped because of conditions related to their service or who died from these conditions can get health insurance through the Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA). There are no fees, but you do have to pay a portion of the cost of services. Things like ending a marriage or getting married again can affect your eligibility.
Home Loan Guaranty
Veterans whose partners have died may be able to get a VA-backed loan to buy, build, or fix up a house. Part of the loan is backed by the VA, which offers low interest rates and no down payment, making it easier for people to buy their own homes.
Planning for the Future
Knowing about these benefits can have a big effect on survivors’ ability to pay their bills. It’s important to look at all of your choices and make sure you meet all the requirements to be eligible. Using these benefits can give you the help and stability you need during tough times.
FAQs
Who is eligible for DIC benefits?
Surviving spouses, children, and dependent parents under specific conditions.
How much is the basic DIC rate for a surviving spouse?
The basic monthly rate is $1,340.
What is CHAMPVA?
A health insurance program for eligible spouses or surviving spouses of veterans.
Can surviving spouses get a VA home loan guaranty?
Yes, for buying, building, or improving a home.
What affects CHAMPVA eligibility?
Marriage termination or remarriage can impact eligibility.