If you're a veteran or know someone who is, here's a hard truth: millions of dollars in benefits go unclaimed every year. Why? Because many of the most powerful veterans’ benefits are buried under paperwork, confusing eligibility rules, or simply not well-publicized. But once you know where to look, these hidden gems can add up to life-changing savings.
10 Little-Known Benefits
1. Aid and Attendance Program
If you’re a wartime veteran or the surviving spouse of one and need help with daily activities, you may qualify for extra monthly payments on top of your regular VA pension. Many seniors miss out on this benefit, even though it could cover home care or assisted living.
2. Free Tax Preparation Services
Did you know that veterans can get their taxes done for free through the Volunteer Income Tax Assistance (VITA) program? Specially trained IRS-certified volunteers help veterans file correctly and save every dollar.
3. VA Home Loan Refinancing (IRRRL)
Refinance your current VA loan to a lower rate with almost zero hassle. The Interest Rate Reduction Refinance Loan (IRRRL) is streamlined, with no appraisal or income verification required.
4. Veteran-Specific Life Insurance Plans
Most people only know about SGLI during service, but after discharge, many don’t realize you can convert to Veterans’ Group Life Insurance (VGLI)—which may provide better rates than civilian plans, especially with preexisting conditions.
5. Discounted Auto Insurance
A number of top insurance companies offer exclusive veteran-only discounts—sometimes saving hundreds per year. These deals aren’t advertised widely but can be unlocked just by verifying service.
6. Commissary and Exchange Access
Even if you retired long ago, you might still be eligible for base shopping privileges, including tax-free purchases and deep discounts on goods and groceries.
7. Educational Assistance for Family Members
Veterans with service-connected disabilities may qualify for Chapter 35 benefits, offering education funding for spouses and children. It’s an incredible perk that helps build generational wealth—yet many never claim it.
8. Burial and Memorial Benefits
From free headstones and grave markers to allowances for burial costs, the VA provides dignified final honors. These benefits ease the burden on families and are often overlooked during planning.
9. Free Legal Assistance
Veterans facing housing issues, benefits disputes, or other civil matters may be able to access free or low-cost legal help through VA-supported organizations or local nonprofits.
10. Veteran-Owned Business Support
Thinking about starting a business? You could qualify for exclusive funding, training, and contract access through programs like VetFran, Boots to Business, and the VA’s own entrepreneurship initiatives.
How to Claim These Benefits Without the Headache
The sad truth? Navigating VA systems alone can be frustrating. That’s why more veterans are turning to digital benefit guides and concierge services that walk you through what you qualify for, step-by-step.