I retired at 38 years old (20 years of military service, plus 100% disability got me there) and I pretty much just sit around my house all day now.
I spent 2 decades traveling the world and experiencing an extremely busy, productive life. Now I just wanna sit in my quiet, countryside home and enjoy some peace.
It’s not that I can’t get up and out of the house; I’m not that kind of disabled. I just enjoy focusing on myself for once. Investing in my own hobbies, not being at the beck and call of someone else. No deadlines, no alarms every morning, not worrying about making rent this month or feeding myself. It’s wonderful.







Definitely the hard way. I tried to get a CPAP machine, but the VA kept telling me I was borderline and didn’t require it. After 4 sleep studies in 3 years, I eventually got it. But I was already 100% when I retired, so it’s not helping or hurting my rating.
I only expected to submit 2 VA disability claims when I retired; one for my legs and one for my back. But I sat down with a VA counselor before I retired and they spent 3 hours reviewing my medical records and talking over every single inch of my body. By the end, they had 33 claims written up, 30 of which the VA accepted. PTSD alone got me 70% and the other 29 claims inched me all the way to 100%.
For non-military folks, VA disability is not a straight addition equation. A 20% rating and a 20% rating don’t equal a 40% overall rating.
There’s some equation the VA uses that has diminishing returns on each rating. So two 20% ratings might only be a total of 25-30% overall disability.
Not to mention, sometimes the VA will accept a claim but give it a 0% rating, meaning it doesn’t affect me at all, but it might be a problem later in my life. They’re on my record so the VA will cover any issues related to it, but I don’t get any further benefits because it’s not currently impacting my life or health.
So making it to the coveted 100% rating is actually quite difficult. I got a nice boost with that one 70% rating, but the rest required piling on a bunch of smaller ratings to push me through the last 30%.