Estimate current and hypothetical combined VA disability ratings with whole-person math, the bilateral factor, dependents, compensation estimates, SMC, and TDIU selections.
Educational estimate only. VetCompPlanner is not affiliated with VA, and the Department of Veterans Affairs makes official rating and payment decisions.
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Understand the estimate
How VA combined disability ratings work
VA percentages are combined using the whole-person method; they are not simply added together. The calculator keeps the raw combined value and the final rounded rating visible.
VA math starts with the highest rating
Each additional percentage applies to the portion of the person VA considers not already disabled. Ratings are ordered from highest to lowest, combined, and the final value is converted to the nearest degree divisible by 10 under the regulation and Combined Ratings Table.
The bilateral factor can change the sequence
When compensable disabilities affect paired arms, paired legs, or paired skeletal muscles, VA may combine those ratings and add 10% of their combined value before continuing the calculation. Whether a condition qualifies depends on the facts and VA's rules.
Current and hypothetical stay separate
Use current entries for awarded ratings and hypothetical entries to explore a possible outcome. A modeled result is educational—it does not predict service connection, an effective date, or a VA decision.
Worked example
50% + 30% + 10% becomes 70%, not 90%
This simple example does not include the bilateral factor. The Combined Ratings Table combines 50% and 30% to 65%, then combines 65% and 10% to 69%. The final value rounds to 70%.
Example VA combined-rating sequence
Step
Ratings combined
Result
1
50% and 30%
65%
2
65% and 10%
69%
Final
Round to nearest 10
70%
Common mistakes to avoid
Adding individual percentages as ordinary numbers.
Applying the bilateral factor to conditions that do not qualify.
Treating a hypothetical rating as an award or guarantee.
Using a compensation rate without checking dependents and effective dates.