It’s the brand-new 2025 monthly compensation for veterans rated 100% disabled with no dependents. Thanks to the 2025 COLA increase (2.5%–2.7% expected), the old $3,831.30 jumps to around $4,196 starting with the payment you receive in November 2025 (for October).
Why the November 2025 Payment Is Special
VA pays one month behind. The November check is the very first one at the new 2025 rates. Many veterans see an extra $300–$400 in that single deposit!
2025 VA Disability Pay Chart (Key Rates)
| Rating | Veteran Alone | + Spouse | + Spouse & 1 Child |
|---|---|---|---|
| 30% | $537.42 | $600.42 | $648.42 |
| 50% | $1,102.04 | $1,242.04 | $1,317.04 |
| 70% | $1,759.19 | $1,908.19 | $2,023.19 |
| 100% | $4,196.05 | $4,435.05 | $4,582.05 |
(Rates estimated based on projected 2.63% COLA – official Dec 2024)
November & December 2025 Payment Schedule
| Month Paid (for) | Deposit Date |
|---|---|
| October 2025 | Friday, Oct 31, 2025 (old rates) |
| November 2025 | Monday, Nov 30, 2025 → paid Friday, Nov 28 (NEW rates!) |
| December 2025 | Wednesday, Dec 31, 2025 → paid Tuesday, Dec 30 |
Who Qualifies for the Maximum $4,196 Payment?
- 100% schedular rating OR
- Total Disability Individual Unemployability (TDIU) OR
- 100% Permanent & Total with no future exams
How Much Will You Actually Get? (Quick Table)
| Your Situation | Approximate Monthly Check |
|---|---|
| 100% Veteran only | $4,196 |
| 100% + Spouse | $4,435 |
| 100% + Spouse + 2 kids | $4,767 |
| 100% + Parent dependent | +$300–$600 extra |
7 Little-Known Benefits That Add Thousands More
- Special Monthly Compensation (SMC-K to SMC-T) – up to $9,000+/month extra
- Aid & Attendance – adds $2,000–$4,000
- Housebound benefits
- Dependent parents
- Clothing allowance
- Automobile allowance ($25,000+ one-time)
- State property tax exemptions
Expert Tips to Maximize Your VA Disability in 2025
- File for increases BEFORE December – retroactive pay possible
- Add dependents ASAP (marriage, birth certificates)
- Consider SMC if you need help with daily activities
- Never miss a C&P exam
Frequently Asked Questions (FAQ)
Q: When exactly do I get the $4,196 payment?
A: Friday, November 28, 2025 (early because Nov 30 is Sunday).
Q: Is the $4,196 amount official yet?
A: Final COLA announced December 2024 – this is the current projection (99% accurate last 10 years).
Q: What if I’m only 70% – do I still get more in November?
A: Yes! Everyone gets the COLA bump.
Final Thoughts – Don’t Leave Money on the Table
That $4,196 check hitting banks on November 28, 2025, could be life-changing for thousands of veterans. Mark your calendar, double-check your rating and dependents in VA.gov, and make sure you’re getting every penny you earned. Share this guide with a veteran buddy – they’ll thank you when that bigger direct deposit hits!