VA Dependent Benefits Planner

Discover what your spouse and children qualify for.
Plan healthcare, education, and survivor benefits for your family.

Why Dependent Benefits Matter

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Hidden Value

100% P&T unlocks $100K+ in family benefits many vets don't know about.

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Plan Ahead

Chapter 35 has age limits. Know when your kids qualify before it's too late.

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Healthcare Security

CHAMPVA provides health insurance for your entire family at minimal cost.

Your Family Situation

Tell us about your VA rating and dependents

Check your rating letter. It will say "permanent and total" if you have it.

Add each child to see their benefit eligibility timeline

What is CHAMPVA?

Civilian Health and Medical Program of the Department of Veterans Affairs

  • Comprehensive health insurance for spouse and children
  • Similar coverage to TRICARE
  • Covers doctor visits, hospital stays, prescriptions, mental health
  • Small copays ($50 outpatient, $100 inpatient per admission)
  • Can coordinate with other insurance
  • Requires 100% P&T rating

What is Chapter 35 (DEA)?

Dependents' Educational Assistance

  • Up to 36 months of education benefits
  • Monthly stipend for school, training, apprenticeships
  • Spouses have 10 years to use from P&T effective date
  • Children: ages 18-26 (can start at 18, must complete by 26)
  • Covers college, vocational training, licensing/certification
  • Requires 100% P&T rating
Important Information

P&T Status: Most family benefits require you to have a 100% Permanent and Total (P&T) rating. Check your rating decision letter. If it says "permanent and total," you have P&T. If you have 100% but it doesn't say P&T, you may still be eligible but should verify with VA.

Application Required: These benefits don't automatically activate. Your family members must apply for CHAMPVA, Chapter 35, and other benefits separately. We'll show you what to apply for.

Disclaimer

This planner is for informational purposes only. Eligibility rules can be complex and may change. Always verify benefits with the VA directly. We are not VA-accredited representatives and cannot provide official eligibility determinations.

CHAMPVA: 1-800-733-8387 | Chapter 35: 1-888-442-4551 | General VA: 1-800-827-1000