Gratuitous Service-Disabled Veterans Insurance (S-DVI) (ARH) is granted posthumously to Veterans who:

• Met the basic eligibility requirements for S-DVI; AND
• Did not apply for S-DVI because of a continued mental incompetence due to a service-connected disability; AND
• Died before the appointment of a guardian or within two years of such appointment

Veterans Affairs (VA) must receive an application for payment of Gratuitous S-DVI (ARH) within two years from the date of the Veteran’s death.

If the person making the claim is mentally or legally incompetent, and did not file the claim in time, VA can receive the application within one year after incompetency ends.

For more information, see the Gratuitous S-DVI (“ARH”) section of the VA Life Insurance Programs for Veterans and Servicemembers Handbook at https://www.benefits.va.gov/INSURANCE/docs/2018_VALifeBook.pdf