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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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Think like a rater

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.

38 CFR 4.130 · DC 9411

PTSD Rating Levels, Word for Word

The exact language raters use, with 2026 monthly pay for a single veteran with no dependents.

RatingVA criteria2026 pay (alone)
100%Total occupational and social impairment, due to such symptoms as: gross impairment in thought processes or communication; persistent delusions or hallucinations; grossly inappropriate behavior; persistent danger of hurting self or others; intermittent inability to perform activities of daily living (including maintenance of minimal personal hygiene); disorientation to time or place; memory loss for names of close relatives, own occupation, or own name.$3,938.58
70%Occupational and social impairment, with deficiencies in most areas, such as work, school, family relations, judgment, thinking, or mood, due to such symptoms as: suicidal ideation; obsessional rituals which interfere with routine activities; speech intermittently illogical, obscure, or irrelevant; near-continuous panic or depression affecting the ability to function independently, appropriately and effectively; impaired impulse control (such as unprovoked irritability with periods of violence); spatial disorientation; neglect of personal appearance and hygiene; difficulty in adapting to stressful circumstances (including work or a worklike setting); inability to establish and maintain effective relationships.$1,808.45
50%Occupational and social impairment with reduced reliability and productivity due to such symptoms as: flattened affect; circumstantial, circumlocutory, or stereotyped speech; panic attacks more than once a week; difficulty in understanding complex commands; impairment of short- and long-term memory (e.g., retention of only highly learned material, forgetting to complete tasks); impaired judgment; impaired abstract thinking; disturbances of motivation and mood; difficulty in establishing and maintaining effective work and social relationships.$1,132.90
30%Occupational and social impairment with occasional decrease in work efficiency and intermittent periods of inability to perform occupational tasks (although generally functioning satisfactorily, with routine behavior, self-care, and conversation normal), due to such symptoms as: depressed mood, anxiety, suspiciousness, panic attacks (weekly or less often), chronic sleep impairment, mild memory loss (such as forgetting names, directions, recent events).$552.47
10%Occupational and social impairment due to mild or transient symptoms which decrease work efficiency and ability to perform occupational tasks only during periods of significant stress, or symptoms controlled by continuous medication.$180.42
0%A mental condition has been formally diagnosed, but symptoms are not severe enough either to interfere with occupational and social functioning or to require continuous medication.$0.00
Current as of October 2026. Pay effective December 1, 2025; dependents increase pay at 30% and above. The VA has proposed new mental health criteria, but they aren’t in effect.
Service connection

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.
Exam day

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.

FAQ

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.

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