Combined ratings · 38 CFR §4.25
60% + 20% VA Disability = 70%
Not 80%. VA ratings combine against your remaining efficiency — here is the exact math, straight from the §4.25 combined ratings table.
By Mario Bailey — U.S. Air Force veteran · current Air National Guard member. Data updated 2026-06-08.
Combined value
68
Final rating
70%
Monthly (alone)
$1,808.45
The step-by-step math
- Start with the higher rating: 60%. You're considered 40% efficient.
- Apply the 20% rating to the remaining 40%: 20% × 40 = 8 additional points.
- Combined value: 60 + 8 = 68 — exactly what the §4.25 Table I shows for 60 and 20.
- Round to the nearest 10 (§4.25(a)): 68 → 70%.
What 70% pays
Effective 2025-12-01: $1,808.45/month for a veteran alone, $1,961.45 with a spouse, $2,074.45 with spouse and one child. Full dependent tables: 70% pay page.
What a third rating would do
| Add | Combined value | Final rating |
|---|---|---|
| +10% | 71 | |
| +20% | 74 | |
| +30% | 78 | |
| +40% | 81 | |
| +50% | 84 |
Notice how each added rating moves the needle less — that's the combining math working against you as the numbers climb. Model your exact set of ratings.
Frequently asked questions
What is 60% + 20% VA disability?
60% combined with 20% is a combined value of 68, which rounds to a 70% VA rating under 38 CFR 4.25. VA ratings combine rather than add: the 20% rating applies only to the 40% efficiency remaining after the 60% rating.
Why isn't 60% + 20% equal to 80%?
Because 38 CFR 4.25 combines ratings against your remaining efficiency. Starting at 60%, you have 40% efficiency left; the 20% rating takes 20% of that 40 (8 points), giving 68 — not 80.
How much does a 70% rating pay?
Effective 2025-12-01, 70% pays $1,808.45 per month for a veteran with no dependents, or $1,961.45 with a spouse, per the va.gov rate tables.
SOURCE: 38 CFR §4.25 Table I via eCFR; VA compensation rates, va.gov · retrieved 2026-06-08 · payment rates effective 2025-12-01
Other combinations with 60%
60+10 · 60+20 · 60+30 · 60+40 · 60+50 · 60+60 · full calculator