100% Schedular vs Permanent and Total
Two ways to be rated 100% disabled by the VA — one based on the rating schedule, one marked as permanent.
A 100% schedular rating means a veteran's combined VA disability rating equals 100% based on the percentages assigned to each service-connected condition under the VA's rating schedule. A 100% Permanent and Total (P&T) rating means the VA has also decided the veteran's total disability is not expected to improve over time. Both pay the same monthly compensation, but P&T unlocks extra benefits: Chapter 35 Survivors' and Dependents' Educational Assistance (DEA) for spouses and kids, CHAMPVA health insurance for dependents, no scheduled re-examinations, federal hiring preference for veterans, and many state-level perks like property tax exemptions. A 100% schedular rating without P&T can still be subject to future re-exams and may be reduced if conditions improve. A veteran rated 100% schedular can request a P&T determination by submitting medical evidence showing the conditions are stable and not expected to improve.
In real life
- A veteran with multiple high-percentage ratings hits 100% combined under the schedule but is not yet P&T.
- A veteran with stable, lifelong conditions is awarded 100% P&T and his children get Chapter 35 benefits.
- A veteran asks the VA for a P&T determination after years of stable conditions and no scheduled re-exams.
Also known as
Frequently asked questions about 100% Schedular vs Permanent and Total
Do schedular and P&T pay the same?+
Yes — same monthly compensation, but P&T unlocks more dependent and state benefits.
How do I get P&T?+
Submit medical evidence showing your conditions are stable and not expected to improve, or request a review.
Can a 100% schedular rating be reduced?+
Yes, if a re-exam shows improvement. P&T generally protects against routine re-exams.
What benefits does P&T unlock for my family?+
Chapter 35 DEA, CHAMPVA, and many state benefits like property tax breaks.
Source: va.gov