The VA determines unemployability (TDIU) by checking if your service-connected disabilities prevent you from holding substantially gainful employment (earning above the poverty line), even if your ratings arent 100%. Eligibility typically requires specific rating thresholds (e.g., one 60% or combined 70% with one at 40%+) and evidence showing your conditions prevent work, considering education, work history, and any marginal employment. Key Criteria Factors Disability Thresholds (Schedular): A single service-connected disability rated at 60% or more, OR. Two or more service-connected disabilities, with at least one rated 40% or more, and a combined rating of 70% or more. Inability to Work: You must prove your service-connected disabilities stop you from finding or keeping a job that pays above the poverty level (marginal employment doesnt count). Evidence Considered: The VA looks at your education, skills, work history, frequency of hospitalizations, and disability progression. Marginal Employment: Earning below the poverty line, or working in a protected environment (like a family business) with some market protection, doesnt disqualify you. What Doesnt Matter (Generally) Non-Service-Connected Disabilities: Only service-connected conditions are the focus. National Economy: The availability of jobs in your area is irrelevant. Age: Age is generally not a reason for denial, though it can be a factor if combined with other limitations. How to Prove It Submit doctors reports and hospital records detailing your limitations. Provide your work history, education, and earnings records (like Social Security statements). Show how your service-connected disabilities directly prevent substantial gainful employment. AI can make mistakes, so double-check responsesIndividual Unemployability: Understanding the basics - VA NewsVA News (.gov)Individual Unemployability If You Cant Work | Veterans AffairsJan 15, 2026VA.gov Home | Veterans Affairs