100% and P&T

CHAMPVA AND TRICARE: THE DISTINCTION FAMILIES NEED

Learn why eligibility for one program can affect the other, and what to confirm before changing health coverage.

What does 100% Permanent and Total mean?

Permanent and Total means the VA rates your service-connected disability at 100% and does not expect it to improve. It usually brings monthly tax-free compensation, VA health care and, for many families, CHAMPVA and education benefits. The VA decides each case on its evidence.

70%

Look at the complete decision

Often the next step is a closer look at unclaimed or secondary conditions, and whether TDIU could apply.

80%

Document what has changed

Small gaps in evidence can be the difference. We look at severity, new co nditions and work limits.

90%

Understand the remaining gap

You are one step away. We check whether a worsening, a missing condition or TDIU can close the gap.