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Service-Disabled Veterans Insurance (S-DVI)

August 31, 2023

For many veterans, the return to civilian life can come with a myriad of challenges, not least of which is securing life insurance, especially when faced with service-connected disabilities. Recognizing the unique hurdles that service-disabled veterans might encounter in obtaining traditional insurance, the U.S. Department of Veterans Affairs offers Service-Disabled Veterans Insurance (S-DVI) as a solution.

This program is designed specifically to address the needs of veterans with service-connected disabilities, ensuring they and their families have financial protection. Our comprehensive guide will delve deep into the intricacies of S-DVI, demystifying its processes, eligibility criteria, benefits, and how it serves as a testament to our nation's commitment to stand by those who once stood guard for us.

Whether you're a veteran, a family member, or simply someone looking to understand the breadth of support available, this guide will illuminate the path toward securing and understanding this essential insurance coverage.

Program Contact1-800-669-847
Additional InfoService Disabled Veterans Insurance
Managing AgencyU.S. Department of Veterans Affairs

Understanding the Service-Disabled Veterans Insurance (S-DVI)

Service-Disabled Veterans Insurance (S-DVI) stands as a crucial lifeline for veterans who have been impacted by service-connected disabilities. This program, overseen by the U.S. Department of Veterans Affairs, offers much more than a simple life insurance policy—it signifies a tangible expression of the nation's commitment to those who have dedicated their lives to serving in the uniformed services.

By providing financial protection and peace of mind, S-DVI serves as a testament to the unwavering support owed to these individuals.

At its core, S-DVI addresses the unique challenges faced by veterans who have received a service-connected disability rating from the Department of Veterans Affairs. This program recognizes the sacrifices these veterans have made, not only by acknowledging their service but by extending a helping hand during times of need.

Basic S-DVI Insurance Coverage

The basic S-DVI coverage, often referred to as "RH Insurance," ensures eligible veterans with up to $10,000 of coverage. Additionally, veterans who are deemed totally disabled have the opportunity to have their insurance premiums waived, further easing the financial burden they might otherwise encounter.

However, the importance of S-DVI extends beyond financial support. This program serves as a symbol of gratitude and solidarity, reminding veterans that their sacrifices are recognized and valued. It demonstrates the government's commitment to providing essential insurance to veterans who have faced adversity due to their service.

Eligibility Requirements

Service-Disabled Veterans Insurance (S-DVI) is a vital program designed to provide life insurance coverage to veterans who have received a service-connected disability rating from the Department of Veterans Affairs. To ensure that this essential support reaches those who need it the most, the program has established specific eligibility criteria that veterans must meet.

These criteria are carefully structured to encompass various aspects of a veteran's service and health status. Let's delve into the detailed eligibility requirements for S-DVI:

1. Veteran Status

To be eligible for S-DVI, you must be a veteran of the uniformed services. This includes individuals who have served in the military and other uniformed services, such as the Coast Guard and the National Oceanic and Atmospheric Administration (NOAA) Commissioned Officer Corps.

2. Discharge Status

You must have been released from active duty under conditions other than dishonorable. This underscores the program's commitment to assisting veterans who have been honorably discharged and have contributed their service to the nation.

3. Service-Connected Disability Rating

The core requirement for S-DVI eligibility is the receipt of a service-connected disability rating by the Department of Veterans Affairs. This applies even if the disability is rated at 0 percent. The program recognizes the sacrifices made by veterans due to their service and aims to provide support to those who have faced service-related health challenges.

4. Good Health (Except for Service-Connected Conditions)

While the program seeks veterans who are in good health, it acknowledges that service-related conditions might impact overall health. The eligibility criteria allow for consideration of veterans who are in good health apart from any health issues arising from their service-connected conditions.

5. Timely Application

Veterans interested in S-DVI must apply within specific timeframes to qualify. The application must be submitted either within two years from the date the Department of Veterans Affairs grants a new service-connected disability rating or by December 31, 2022, whichever comes first. This requirement aims to ensure that veterans access the program's benefits in a timely manner, aligning with their evolving health needs.

The comprehensive nature of these eligibility requirements reflects the program's commitment to assisting veterans who have been impacted by their service. By ensuring that veterans with service-connected disabilities have access to life insurance coverage, S-DVI underscores the nation's gratitude and support for their sacrifices.

Application Process

Applying for Service-Disabled Veterans Insurance (S-DVI) is a straightforward process designed to ensure that eligible veterans can access the valuable life insurance coverage they deserve. The U.S. Department of Veterans Affairs has established a user-friendly and efficient application procedure to make obtaining S-DVI coverage as accessible as possible.

Here's a step-by-step guide to help you navigate the application process:

1. Access the Application Website

To initiate the application process, visit the official Automated Forms website. This online platform is specifically designed to streamline the application process and make it convenient for veterans seeking S-DVI coverage.

2. User Registration

If you're using the Automated Forms website for the first time, you'll need to register as a user. This involves creating an account with your personal information. This step is essential for ensuring the security and privacy of your application details.

3. Complete the Application

Once registered, you can begin the application process. You'll need to provide accurate and up-to-date information about yourself, your military service, and your health status. It's crucial to provide complete and truthful information to facilitate a smooth application review process.

4. Submit Supporting Documents

Depending on your individual circumstances, you might be required to provide certain supporting documents along with your application. These documents might include records related to your military service, discharge status, and service-connected disability rating. Be sure to review the application guidelines carefully and submit any required documents promptly.

5. Review and Verify

Before submitting your application, take the time to review all the information you've provided. Verify that all details are accurate and complete to ensure that your application is processed correctly.

6. Submit the Application

Once you're satisfied with your application, submit it through the Automated Forms website. This will officially begin the review process by the Department of Veterans Affairs.

7. Confirmation and Communication

After submitting your application, you should receive confirmation of its receipt. The Department of Veterans Affairs might contact you if any additional information or documentation is required to complete the application process.

8. Application Review

The Department of Veterans Affairs will review your application and supporting documents. This process ensures that your eligibility criteria are met and that the provided information is accurate.

9. Approval and Coverage

Upon successful review, you'll receive approval for your S-DVI coverage. You will then be covered for the benefits outlined in the S-DVI program, including the base coverage amount and potential waivers for premiums if you meet the eligibility criteria.

10. Beneficiary Designation and Management

As part of the S-DVI program, you'll also have the opportunity to designate beneficiaries who will receive the coverage amount in the event of your passing. This information can be managed and updated as needed.


As we stand at the crossroads of this program's offerings and explore the avenues it opens, we're reminded that S-DVI is more than just an insurance plan; it's a testament to unity, compassion, and remembrance. It's a tribute to the courage that veterans have shown and a promise that their sacrifices are etched in the nation's conscience.

In this digital age, the web page might serve as a portal, but it's the embodiment of a collective promise—of a nation's respect for those who have served and a commitment to be by their side even after they've left the field of duty.

Navigating the aftermath of trauma can be challenging, but you're not alone in this journey. If PTSD is a battle you or a loved one is facing post-service, it's essential to understand the support available. Take the next step by learning about the VA PTSD claim process. Empower yourself with knowledge and make the path to assistance smoother!

Michael Blair contributes his expertise to help veterans access government benefits and resources. Through his informative articles and guides, he plays a vital role in empowering veterans and improving their quality of life.
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