It’s the brand-new 2025 monthly compensation for veterans rated 100% disabled with no dependents. Thanks to the 2025 COLA increase of 2.5%, the old $3,621.95 jumped straight to $4,196.26 starting January 2025 – and yes, you’ll see that amount in November too!
Why Did VA Payments Jump to $4,196 in 2025?
Every year the VA adjusts rates using the Cost-of-Living Adjustment (COLA). Social Security got a 2.5% bump for 2025, so VA disability followed suit. That tiny percentage turned into over $570 extra per month for 100% veterans.
2025 VA Disability Pay Chart (100% Focus)
| Rating | Veteran Alone | + Spouse | + Spouse & 1 Child | + 1 Parent | + 2 Parents |
|---|---|---|---|---|---|
| 100% | $4,196.26 | $4,428.39 | $4,577.89 | $4,352.64 | $4,509.02 |
| 90% | $2,442.12 | $2,637.12 | $2,769.12 | – | – |
| 70% | $1,759.19 | $1,908.19 | $2,023.19 | – | – |
(Full charts at VA.gov – these are the most-searched rates!)
November 2025 VA Payment Schedule
VA pays one month behind. That means:
- November 1, 2025 (Saturday) → Payment sent Friday, Oct 31 → Most direct deposits hit Oct 31
- If Nov 1 falls on weekend/holiday → You get paid the last business day before
Mark your calendar: expect that $4,196 (or your rate) on Friday, October 31, 2025.
Who Qualifies for the Maximum $4,196 Rate?
You need:
- A current combined disability rating of 100% (schedular or TDIU)
- Service-connected conditions only
- File any dependent updates (marriage, kids, school) before the cutoff to see extra money fast
Veteran + Dependents Add-On Table (2025 Rates)
| Situation | Extra Monthly Pay |
|---|---|
| Spouse | +$232.13 |
| Each child under 18 | +$74.78 |
| Child 18-23 in school | +$240.66 |
| Spouse needing Aid & Attendance | +$195.92 |
One veteran with spouse + 2 kids under 18 = $4,196 + $232 + $150 ≈ $4,578 per month!
5 Quick Tips to Get Every Penny
- Log into VA.gov TODAY and update dependents
- Switch to direct deposit if you still get paper checks
- Check eBenefits or VA.gov for retro pay
- File for SMC if you have loss of limbs, blindness, or need help with daily activities
- Call 1-800-827-1000 if your November payment looks short
Frequently Asked Questions
Q: Is the $4,196 taxable?
A: No! VA disability compensation is 100% tax-free.
Q: When is the next COLA announced?
A: Usually mid-October for the following year.
Q: Did the November 2025 payment already increase?
A: Yes – everyone got the new 2025 rates starting January, so November is the higher amount.
Final Thoughts – Don’t Leave Money on the Table
That $4,196 hitting bank accounts this November 2025 is real, and it’s bigger than last year because of the 2.5% COLA. Whether you’re at 30%, 70%, or the full 100%, take 5 minutes right now to log in and make sure your dependents and banking info are current. One quick update can add hundreds extra every single month.
Save this page, share it with your VFW or Facebook veteran groups, and drop a comment below if your November check already landed! 🇺🇸