Service-Disabled Veterans Insurance (S-DVI)
What is S-DVI?
The Service-Disabled Veterans Insurance (S-DVI) program was established in 1951 to meet the insurance needs of certain Veterans with service-connected disabilities. S-DVI is available in a variety of permanent plans as well as term insurance. Policies are issued for a maximum face amount of $10,000.
Who Can Apply for S-DVI?
You can apply for S-DVI if you meet the following 4 criteria:
- You were released from active duty under other than dishonorable conditions on or after April 25, 1951.
- You were rated for a service-connected disability (even if only 0%).
- You are in good health except for any service-connected conditions.
- You apply within 2 years from the date VA grants your new service-connected disability.
Note: An increase in an existing service-connected disability or the granting of individual unemployability of a previously rated condition does not entitle a Veteran to this insurance.
Follow this link to learn more about how different types of service-connection ratings impact the S-DVI application period.
How Can I Apply for S-DVI?
You can apply for basic S-DVI using our S-DVI Online Application.
You can also download VA form 29-4364, Application for Service-Disabled Veterans Life Insurance, from our forms page. Be sure to also download VA Pamphlet 29-9 from this site for premiums rates and a description of the plans available.
Waiver of Premiums for Totally Disabled Veterans
Under certain conditions, the basic S-DVI policy provides for a waiver of premiums in case of total disability. Policyholders who carry the basic S-DVI coverage and who become eligible for a waiver of premiums due to total disability can apply for and be granted additional Supplemental S-DVI of up to $30,000.
The Veterans’ Benefits Act of 2010, provided for $30,000 of supplemental coverage to S-DVI policyholders. Premiums may not be waived on this supplemental coverage. S-DVI policyholders are eligible for this supplemental coverage if they:
- are eligible for a waiver of premiums.
- apply for the coverage within one year from notice of the grant of waiver.
- are under age 65
How Can I Apply for Supplemental S-DVI?
To apply for Supplemental S-DVI, you must file VA Form 29-0188, Application for Supplemental Service-Disabled Veterans (RH) Life Insurance or send a letter requesting this insurance over your signature. You must apply for the coverage within one year from notice of the grant of waiver of premiums.