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The Missing Millions: Why So Many Veterans Still Lack Disability Ratings
In the United States today, a significant portion of the veteran population remains without a service-connected disability rating—even though many receive ongoing care from the Department of Veterans Affairs (VA). This gap affects millions and stems from long-standing structural issues and common misunderstandings.
How Many Veterans Are Unrated?
Recent federal data shows:
17.8 million veterans currently live in the U.S.
Only 5.2 million (about 30%) have a service-connected disability rating.
That leaves roughly 12.5 million veterans without a rating, including an estimated 6 million who separated before disability assessments became part of the mandatory out-processing process.
Before the mid-1990s and early 2000s reforms, the DoD did not require a disability evaluation as part of separation or retirement. Millions of veterans left service with no assessment and never filed later simply because the process was unclear or unknown.
Two VA Systems — and They Don’t Communicate
A critical fact many veterans do not know:
VA Healthcare and VA Disability Compensation are completely separate systems.
Receiving VA medical care does not create or update a disability rating.
Diagnoses, imaging, or treatment inside VA healthcare records are not reviewed for disability compensation unless a veteran files a claim.
No condition—primary or secondary—moves into the disability system automatically.
Many veterans assume that being treated for chronic pain, orthopedic injuries, sleep issues, or mental health conditions means their disability file is being updated. It isn’t. Only a formal claim triggers review.
The Impact on Veterans
Millions of veterans who never filed a claim at all.
Veterans with worsening conditions who never requested rating increases.
VA healthcare patients with serious diagnoses that were never evaluated for service-connection.
Missed compensation, lost benefits, and reduced access to programs tied to rating thresholds.
A single misconception—“VA healthcare updates my disability rating”—can cost a veteran years of deserved benefits.
What Every Veteran Should Do Now
To ensure disability benefits reflect current health conditions, veterans should:
1. Review their conditions regularly
Check for new diagnoses, worsening symptoms, or secondary conditions.
2. File new or supplemental claims
Use VA.gov, mail, or accredited submission channels to request evaluation.
3. Understand the system
VA healthcare records do not update disability ratings. A claim must be submitted.
4. Track secondary conditions
Issues like sleep apnea, depression, migraines, radiculopathy, GERD, or joint degeneration often stem from service-connected primaries.
Veterans who separated before mandatory disability evaluations around 2010 are especially vulnerable because many were never informed of the modern process.
Closing the Gap
With only ~30% of veterans holding a disability rating—and millions eligible but unrated—awareness is essential. Understanding that VA healthcare and VA disability compensation operate independently is the first step toward ensuring every veteran receives the benefits they earned through service.
Need Help Understanding Your Claim Path?
If you or a veteran you know is unsure about eligibility, secondary conditions, or how to properly file, guidance is available. Filing a claim is not automatic—but it can be straightforward when you understand the rules and requirements.
How to Add Evidence to Your VA Disability Claim
I have been getting the title of the this alot.
Yes, you can add evidence to a VA disability claim after it has been submitted, as long as the claim is still open (not yet decided). Great example, is you decide to have a provider complete the VAs DBQ as your medical evidence is limited and it was after you already pressed submit. Some claims take several months so you shouldn’t worry about not submitting it.
Here are your options depending on the stage of your claim:
✅ If the claim is still in progress (Pending / Under Review):
You can submit additional evidence directly via:
- VA.gov (log in → go to your claim → “Upload documents”) Only method I recommend
- Mail to: Department of Veterans Affairs
Claims Intake Center
PO Box 4444
Janesville, WI 53547-4444
(Use a VA Form 21-4138 or 20-10210 to explain what you’re submitting) - Fax: 844-531-7818 (for domestic) or 248-524-4260 (international)
- Mail to: Department of Veterans Affairs
Be sure to include:
- Your VA file number or SSN
- The specific claim it relates to
- A clear description of what the evidence is and why it’s relevant
If a decision has already been made: (you got your claim letter back from the VA)
You cannot just “add” evidence—you’ll need to take one of these steps:
| Scenario | Action | Form |
|---|---|---|
| You’re still within the 1-year appeal window | File a Supplemental Claim | VA Form 20-0995. do it online and your lay letters don’t have to be on the official form |
| You think a clear error was made | File a Higher-Level Review | VA Form 20-0996 do it online and your lay letters don’t have to be on the official form |
| You want a hearing with a judge (last last resort) | File a Board Appeal (18 months!) | VA Form 10182 do it online and your lay letters don’t have to be on the official form |
In all three cases, you can submit new evidence (except during Higher-Level Review, where no new evidence is allowed).
Hope this helps folks out there!
VA Disability Claims: Clear and Simple Support
Filing for disability compensation through the Department of Veterans Affairs (VA) can be a complex and frustrating process. I provide a straightforward service designed to make it easier for veterans to receive the benefits they have earned.
Here is how I work:
- Payment only if benefits are awarded. My fee is twenty percent of the initial back payment from the VA. If an appeal is needed, the same structure applies. After that, the veteran owes nothing further.
- Based on federal standards. Because the VA does not set rates for consulting, I align with the Social Security Administration’s guideline of twenty-five percent and reduce it by five percent. This keeps my fee at twenty percent, below a recognized federal benchmark.
- No long-term obligations. Veterans can stop working with me at any time after providing notice. There are no hidden commitments or recurring fees.
- Everything in writing. I use a simple written contract that explains all terms clearly, in plain language. Veterans know exactly what to expect before we begin.
- Who I work with. Most of the veterans I serve are those who have had bad experiences with Veterans Service Officers (VSOs) or firms, those who have grown frustrated with the VA, and those who may not believe they deserve this benefit from a grateful nation.
My goal is to provide a fair, transparent, and effective path through the VA process, with clear terms and no surprises.
If you are a veteran who would like help filing for VA disability benefits, contact me at lou@loujswz.com
or 706-332-6005.
Winning Proposals for Veteran-Owned Businesses
I just submitted my very first proposal to the State of Florida—and I have to admit, I didn’t think I stood a chance.
This wasn’t some minor RFP. Florida is recompeting its Management Consulting Services Consolidated Schedule, and I chose to compete in Service Category 4: Executive Leadership Development and Customized Training—one of nine powerful categories, all dominated by big-name firms with deep pockets and armies of employees.
But here I am. A veteran, a founder, a team of one, pushing through multiple websites, platforms, registrations, certifications, documents, file formats, and yes—those relentless character count limits—just to be considered viable. To even get a seat at the table.
And I made it.
It was not easy. The process was time-consuming, mentally exhausting, and filled with moments of doubt. But it was also one of the best learning experiences I’ve had as a business owner.
And here’s what I want other small businesses—especially my fellow Veteran-Owned Small Businesses (VOSBs) and Service-Disabled Veteran-Owned Small Businesses (SDVOSBs)—to know:
If you don’t try, you can’t win.
The State of Florida spent over $82 million on management consulting services last year alone. That’s not just a number—it’s an opportunity. One that we, as small, capable, values-driven businesses, can pursue. If you have the right NAICS codes, the right mindset, and the willingness to navigate the process, there’s a real path forward.
Yes, the back-office requirements are real. But compared to the federal government, the state-level procurement process is far more accessible. You don’t need a team of ten compliance officers. You just need to be intentional, organized, and committed to understanding the rules of the game.
I don’t know if I’ll win this one. But I do know this:
- I now understand how the process works.
- I can replicate and refine my submission.
- I’ve proven to myself—and maybe to others—that I belong at the table.
- And I’m ready to bring in some of the most mission-driven leaders I know to serve with excellence.
To anyone else out there feeling like a one-person army going up against giants: keep going.
The journey matters. The learning is real. And your impact—when your moment comes—will be undeniable.
Thinking About Filing for VA Disability? Read This First.
If you’re reading this, someone probably told you, “You should file a VA claim.” Maybe they’ve been saying it for years. Maybe it’s the first time you’re thinking about it seriously. Either way, I’ve been where you are—wondering if it’s worth the time, energy, and vulnerability.
Let me tell you something I wish someone had told me sooner: it’s okay to ask for help. And it’s okay to want clarity before you step into the process. So let me walk you through the VA disability claims journey—step by step—with free resources I personally trust, and some rough timeframes to expect.
🛠️ Step 1: Determine If You Qualify
Timeframe: Immediate – 1 week
You need a current diagnosis, evidence that the condition was caused or worsened during military service, and a “nexus” connecting the two.
Free Resources:
- VA Benefits Eligibility Tool
- VA Lay Statement Guide
- HadIt.com Forums (veteran-run discussions, peer guidance)
- DAV.org Help with Claims
If you’re not sure, connect with a Veterans Service Officer (VSO). They work for you, not the government.
📄 Step 2: File Your Initial Claim (Intent to File First)
Timeframe: 1 hour to prepare + VA average: 125–150 days
Start by submitting an Intent to File. That locks in your effective date while you gather evidence. Then you file the full claim.
Free Resources:
- VA Intent to File Tool
- VA Form 21-526EZ (Application for Disability)
- Vets Guardian (for-profit but offers free consultations; good for complex cases)
🔍 Step 3: Evidence Gathering & Adjudication
Timeframe: 4 to 5 months average (can vary)
The VA reviews medical evidence, service treatment records, and may schedule a C&P exam (Compensation & Pension).
Free Resources:
- VA C&P Exam Guide
- Military Service Records Request (NPRC)
- Veterans Law Blog – C&P Exam Tips (private site but very educational)
🧾 Step 4: Decision & Rating Letter
Timeframe: Included in the 125–150 day total (Step 2)
The VA issues a decision: denied, granted, or partial. You’ll get a rating decision letter explaining why.
Free Resources:
🔁 Step 5: Appeal or Supplemental Claim (if denied or underrated)
Timeframe: Varies greatly – 4 to 18 months depending on option
You can:
- Request a Higher-Level Review (125–150 days)
- Submit a Supplemental Claim with new evidence (125–150 days)
- Appeal directly to the Board of Veterans Appeals (average: 12–18 months)
Free Resources:
- VA Appeals Process Overview
- NVLSP (National Veterans Legal Services Program) (Nonprofit legal help for appeals)
- Wounded Warrior Project – Benefits Services (free help from trained staff)
🔒 Step 6: Sustainment – Updates, Increases, Secondary Claims
Timeframe: Ongoing (review every 3–5 years or as conditions worsen)
Disabilities change over time. You can request increases, add secondary conditions (like depression caused by chronic pain), or file for TDIU if you can’t work.
Free Resources:
- VA Form 21-526EZ (Again – for increases)
- Hill & Ponton Guide to TDIU (for-profit legal group with helpful blog content)
- Veteran Appeals Resources – The American Legion
🎯 Final Thoughts
Starting a VA claim is a personal decision—one that can stir up emotion, old memories, and self-doubt. But you don’t have to do it alone. Reach out to a VSO, or me and get educated, and move at your own pace. There are people—like me—who once hesitated too. And we’re all better for finally taking that step.
You’ve served. You’ve earned this. And your well-being matters.
Maples Staffing is Now a Certified SDVOSB
Today marks a proud and transformative moment in the journey of Maples Staffing Group, LLC. After years of perseverance, commitment, and growth, we are thrilled to announce that the company has officially been certified as a Service-Disabled Veteran-Owned Small Business (SDVOSB) by the U.S. Small Business Administration (SBA). This recognition places us in an exclusive group of businesses dedicated to excellence and proudly owned by those who have served our nation.
This achievement is more than a label; it is a testament to the rigorous standards of governance, validation, and integrity required to attain such a certification. It symbolizes a commitment to maintaining transparency, accountability, and adherence to strict SBA guidelines. To reach this point, Maples Staffing Group demonstrated:
Veteran-Owned Leadership: The business must be majority-owned, controlled, and operated by a service-disabled veteran.
Proven Capability: A track record of operational excellence and adherence to industry standards.
Verified Governance: Extensive documentation and validation to ensure compliance with federal regulations, including the maintenance of up-to-date records with SAM.gov.
The story behind this milestone is as inspiring as the achievement itself. At one point, our founder, Mr. Robert Maples, didn’t even consider applying for VA benefits—his pride as a veteran and focus on serving others often outweighed personal recognition. But through reflection, encouragement, and the understanding that embracing these benefits serves both his family and the greater mission, he took the steps necessary to honor his legacy and his service. This certification is as much about perseverance and personal growth as it is about business success.
For those seeking to partner with a certified SDVOSB or to learn more about our services, Mr. Maples can
We extend our deepest gratitude to our community, clients, and partners who have supported us along the way. This is a new beginning filled with opportunities to continue serving with the same integrity, dedication, and passion that defines Maples Staffing Group.
Together, we honor service, embrace growth, and forge ahead with pride.
An Effective Way to Boost Your Companies Customer Base
“At LOUJSWZ INC., we understand the unique challenges faced by veteran-owned small businesses. Our mission is to guide you through the intricate process of obtaining Federal Certification as a Small Disadvantaged Business (SDB) by the U.S. General Services Administration. Our team, comprised of veterans like you, leverages deep expertise and shared values to streamline your path to certification. This partnership will not only enhance your competitive edge but also open new opportunities in the federal marketplace. Start your journey towards certification and sustainable growth with us at loujswz.com. Let’s achieve great things together.”
FOR IMMEDIATE RELEASE
Statesville, NC – MWK Ventures LLC., a professional services and logistics management firm, is proud to announce its official designation as a Service-Disabled Veteran-Owned Small Business (SDVOSB) by the Small Business Administration (SBA). This significant achievement underscores the firm’s ongoing commitment to excellence and its dedication to supporting the veteran community, and is now eligible for preferential access to federal contracts, allowing the firm to contribute more substantially to the public sector.
Mr. Mark Kleinhenz, President and CEO of MWK Ventures LLC, emphasized the importance of the designation: “Becoming an SDVOSB is not just about the growth potential it affords our company. It’s a testament to our dedication to providing opportunities for veterans and ensuring their exceptional skills and experiences are recognized in the business world. It also demonstrates we are operating in accordance with Federal and State laws helping others identify honorable providers of goods and services.”
MWK Ventures, LLC would like to thank Lou Schwartz for his invaluable assistance in securing this designation. His expertise and dedication have been instrumental in achieving this milestone.
For further information about hollandlogistics.com Holland Logistics, a Service-Disabled Veteran-Owned Small Business, is a leading global fourth-party logistics (4PL) provider that aims to keep our faith first and strives to provide award-winning ethical customer service and solutions. Based in Statesville, North Carolina, we provide complete supply chain management services and a true partnership that allows you to focus on growing your core business.
For more on Lou Schwartz’s services, please visit loujswz.com or contact him directly at lou@loujswz.com or 706-332-6005.
Mark Kleinhenz
President & CEO
MWK Ventures, LLC and Holland Logistics
2227 Salisbury Hwy, Statesville, NC 28677
[Website](https://www.hollandlogistics.com/ )
SAM.gov UIC: WSZZCPZUWNU4 CAGE: 9VU38
A Picture is Worth 1000 Words
We are starting to get a lot of traction around helping founders show potential customers their organizations are being run in accordance with Federal and State legal, financial and business requirements through the awarding of federal certifications. They also demonstrate there past affiliation with the US Armed Services and there pride in the tradition of service and professionalism the Armed Services represent.
They realize as do customers that Federal Certification offered through the GSA have intrinsic values beyond the ability to open another channel for them. Let me help you see that as well.
We want to partner with you and help your organization have an additional tool to be successful. We work to make our services affordable and a true benefit to you.
We would love to help you. Lou Schwartz, founder
