Many VA life insurance policies provide for a waiver of premiums if you become totally disabled. However, the following policies do not:

• Supplemental Service-Disabled Veterans Insurance (SRH)
• Servicemembers’ Group Life Insurance (SGLI)
• Veterans’ Group Life Insurance (VGLI)
• Veterans’ Mortgage Life Insurance (VMLI)

If your policy allows for a waiver, you must meet the following requirements:

1. You must have a mental or physical disability that prevents you from substantial gainful employment.
2. Your total disability must begin before your 65th birthday, and must continue for at least six consecutive months.

Your total disability may not begin prior to the effective date of the policy. There is one exception: A waiver may be granted if your total disability began prior to the effective date on a Service-Disabled Veterans Insurance policy. The total disability must be due to a service-connected disability.

For more information, go to Filing a Claim for Disability Insurance Benefits.