Rating guide · Mental health
PTSD Ratings: How the VA Reads Your Symptoms
A PTSD rating isn’t a judgment about what you went through. It’s a measurement of how much the symptoms get in the way of your job and your relationships right now, and that’s something you can document.
- Official criteria, quoted
- What each level pays in 2026
- Stressor evidence
- Exam checklist
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The Question Behind Every PTSD Rating
Every PTSD decision comes back to one question from the VA’s mental disorders formula (38 CFR 4.130): how impaired are you at work and in your social life?
Raters look at three things for each symptom:
- Frequency: panic once a month reads very differently from panic most days.
- Severity: irritability vs. outbursts that end jobs or relationships.
- Duration: a bad stretch last winter vs. years of steady decline.
The lists of symptoms in the criteria are examples. You don’t need to check every box at a level, and symptoms the list doesn’t mention can still support a higher rating.
PTSD Rating Levels, Word for Word
The exact language raters use, with 2026 monthly pay for a single veteran with no dependents.
Backing Up the Stressor
You’ll need a current diagnosis, a medical link, and evidence the stressor happened. The rules are friendlier than many veterans expect:
- Combat veterans can rely on their own account when it fits what their unit was doing.
- Fear of hostile activity, like rocket attacks, convoys or threats on base, can be established by your statement plus confirmation from a VA or VA-contracted psychologist or psychiatrist.
- Military sexual trauma has its own flexible evidence rules. See the MST guide.
- Other events, like crashes, training deaths or disasters, can be corroborated with unit records and buddy statements.
A Simple Checklist for the PTSD Exam
Nebraska PTSD exams are commonly held at the Omaha VA Medical Center, with a contracted examiner closer to home, or by video. Either way:
- Bring a one-page summary of your symptoms and how often they hit.
- Name specific consequences: jobs lost, write-ups, a marriage under strain, friends you’ve stopped seeing.
- Mention treatment, medications and anything you do to cope, like avoiding crowds or not driving.
- Consider a written statement from your spouse or a close friend.
Physical problems tied to PTSD, like sleep apnea, high blood pressure and erectile dysfunction from medications, can be rated separately.
PTSD VA Rating: Common Questions
How much is 50% for PTSD in 2026?
$1,132.90 a month for a veteran with no dependents, or $1,241.90 with a spouse, under rates effective December 1, 2025.
Does working full-time cap my PTSD rating?
No. Working doesn’t prevent a high schedular rating. Only Individual Unemployability (TDIU) requires being unable to hold substantially gainful work.
Can PTSD and anxiety be rated separately?
No. The VA assigns one rating covering all mental health diagnoses, based on your combined symptoms.
My stressor happened stateside. Does it still count?
Yes. Training accidents, assaults and other non-combat events can support PTSD claims with corroborating evidence.
Nebraska Veterans: Get the Rating You Earned
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