In this blog post, we’ll explain the formula the VA uses to calculate combined ratings.
What is a Combined Rating?
A combined rating is a percentage that represents the overall impact of a veteran's service-connected disabilities on their ability to function and work. The VA calculates the combined rating using a complex formula that takes into account the severity and impact of each individual disability. To determine a veteran's combined rating, the VA first assigns a disability rating to each service-connected disability. These ratings range from 0 to 100%, in increments of 10%. A 0% rating indicates a disability that is service-connected but does not result in any impairment, while a 100% rating indicates a disability that is totally disabling. Once the disability ratings have been assigned, the VA uses a mathematical formula to combine them into a single rating. This formula takes into account the fact that as disabilities accumulate, the impact of each individual disability may be greater.
How is the Combined Rating Formula Calculated?
The combined rating formula is calculated in three steps:
1. Combine the Ratings for the Most Severe Disabilities
The VA first combines the ratings for the veteran's most severe disabilities. This is done by adding together the two highest disability ratings and then multiplying that sum by the remaining percentage of disability.
For example, if a veteran has a 60% rating for one disability and a 40% rating for another disability, the VA would combine these ratings as follows:
60% + (40% x (100% - 60%)) = 76%
In this case, the 60% rating is the highest, so it is added to the remaining 40% rating multiplied by the remaining percentage of disability (100% - 60% = 40%).
2. Combine the Ratings for the Next Most Severe Disabilities
The VA then combines the ratings for the veteran's next most severe disabilities. This is done by adding the combined rating from step one to the next highest disability rating, and then multiplying that sum by the remaining percentage of disability.
For example, if a veteran has a 30% rating for a third disability, the VA would combine the ratings as follows:
76% + (30% x (100% - 76%)) = 83.2%
In this case, the 76% rating from step one is added to the 30% rating, and then that sum is multiplied by the remaining percentage of disability (100% - 76% = 24%).
3. Continue Combining Ratings Until All Disabilities Are Accounted For
The VA continues to combine ratings in this manner until all service-connected disabilities have been accounted for. The resulting percentage is the veteran's combined disability rating. It's important to note that the VA may round the combined rating up or down to the nearest 10%. For example, a rating of 82.5% would be rounded up to 90%.
Final Thoughts
The VA's formula for calculating combined ratings can be complex, but it's important to understand how it works in order to ensure that you receive the disability compensation you deserve. If you have questions about your combined rating or believe that you may be eligible for a higher rating, reach out to our office so we can help you navigate the VA disability system and advocate for your rights as a veteran.
