Understanding Retirement Benefits for Veterans
Veterans approaching retirement have access to a combination of benefits from the Social Security Administration (SSA) and the Department of Veterans Affairs (VA). These programs are designed to provide long-term financial stability after years of dedicated service. If you’re unsure about how these benefits relate to your military service, speak with a veteran disability lawyer in California who can guide you through your options.
Social Security Retirement Benefits
Veterans are eligible for Social Security retirement benefits, just like civilian workers. These benefits are calculated based on your earnings history. If you served in the military, you may receive additional credits that could increase your monthly payments:
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Military Service Credits (1940–1956): Veterans who served during this time may receive extra credits, even if Social Security taxes weren’t deducted.
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Earnings Credits (Post-1956): Active duty earnings after 1956 count toward your Social Security work history and may boost your retirement benefit.
Receiving a military pension does not reduce the amount of Social Security benefits you’re entitled to.
VA Pension Benefits
The Veterans Pension is a needs-based benefit for wartime veterans who meet certain income, net worth, service, and age or disability requirements.
Am I Eligible for Veterans Pension Benefits?
You may qualify for the Veterans Pension program if both of the following are true:
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You didn’t receive a dishonorable discharge, and
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Your yearly family income and net worth meet limits set by Congress. Net worth includes all personal property you own (excluding your house, car, and most home furnishings), minus any debts. Your spouse’s net worth is also counted.
AND at least one of these must be true about your service:
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You started active duty before September 8, 1980, and served at least 90 days with at least 1 day during wartime, or
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You started active duty as an enlisted person after September 7, 1980, and served at least 24 months (or the full term you were called to serve), with at least 1 day during wartime, or
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You were an officer who began active duty after October 16, 1981, and hadn’t previously served 24 months of active duty.
AND at least one of the following must also be true:
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You are 65 years old or older, or
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You have a permanent and total disability, or
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You’re a long-term care patient in a nursing home due to a disability, or
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You’re receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI)
Learn more about Veterans Pension rates on va.gov
Applying for Retirement Benefits
Veterans can apply for Social Security retirement benefits online through the SSA website, by calling 1-800-772-1213, or by visiting a local SSA office.
For VA pension benefits, applications can be submitted online, by mail, or with help from an experienced veterans benefits attorney who understands the application process.
Was Your Claim Denied?
If you applied for VA retirement or disability benefits and were denied, don’t give up. You have the right to appeal, and it’s important to act quickly. At Peña & Bromberg, we assist clients with veteran disability claim denials and fight to get them the benefits they deserve.
Need Help Understanding Your Retirement Options?
At Peña & Bromberg, we know how to navigate both VA and SSA systems. Whether you’re applying for your military pension, Social Security retirement, or both, our attorneys are here to help you maximize your benefits with clarity and confidence.
