Program Description

Some Veterans Affairs (VA) life insurance policyholders may have their premiums waived, if they become totally disabled.

General Program Requirements

Many VA life insurance policies provide for a waiver of premiums if you become totally disabled. However, the following policies do not:

  • Supplemental Service-Disabled Veterans Insurance (SRH)
  • Servicemembers' Group Life Insurance (SGLI)
  • Veterans' Group Life Insurance (VGLI)
  • Veterans' Mortgage Life Insurance (VMLI)

If your policy allows for a waiver, you must meet the following requirements:

  1. You must have a mental or physical disability that prevents you from substantial gainful employment.
  2. Your total disability must begin before your 65th birthday, and must continue for at least six consecutive months.

Your total disability may not begin prior to the effective date of the policy. There is one exception: A waiver may be granted if your total disability began prior to the effective date on a Service-Disabled Veterans Insurance policy. The total disability must be due to a service-connected disability.

For more information, go to Filing a Claim for Disability Insurance Benefits.

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

To complete an application, use VA Form 29-357, "Claim for Disability Insurance Benefits".

Program Contact Information

If you have any questions, you may:

  • Visit the Inquiry Routing & Information System (IRIS) website to search Frequently Asked Questions or ask a question on-line
  • Call 1-800-827-1000
  • Call 1-800-829-4833, if you have a hearing impairment

To apply for additional benefits and view your benefit status, open an eBenefits Premium account. eBenefits is a one-stop source for information on Department of Defense and Department of Veterans Affairs benefits and services. With a free Premium level eBenefits account, Veterans, Servicemembers and their family members can conduct self-service transactions such as checking compensation and pension claim status information, enrolling in GI Bill, and obtaining copies of civil service preference letters, military records (DD214), and other personal information. For further information and to register for a free Premium level account, visit the eBenefits website.

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