Combined ratings · 38 CFR §4.25
70% + 40% VA Disability = 80%
Not 110%. 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
82
Final rating
80%
Monthly (alone)
$2,102.15
The step-by-step math
- Start with the higher rating: 70%. You're considered 30% efficient.
- Apply the 40% rating to the remaining 30%: 40% × 30 = 12 additional points.
- Combined value: 70 + 12 = 82 — exactly what the §4.25 Table I shows for 70 and 40.
- Round to the nearest 10 (§4.25(a)): 82 → 80%.
What 80% pays
Effective 2025-12-01: $2,102.15/month for a veteran alone, $2,277.15 with a spouse, $2,406.15 with spouse and one child. Full dependent tables: 80% pay page.
What a third rating would do
| Add | Combined value | Final rating |
|---|---|---|
| +10% | 84 | |
| +20% | 86 | |
| +30% | 87 | |
| +40% | 89 | |
| +50% | 91 |
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 70% + 40% VA disability?
70% combined with 40% is a combined value of 82, which rounds to a 80% VA rating under 38 CFR 4.25. VA ratings combine rather than add: the 40% rating applies only to the 30% efficiency remaining after the 70% rating.
Why isn't 70% + 40% equal to 110%?
Because 38 CFR 4.25 combines ratings against your remaining efficiency. Starting at 70%, you have 30% efficiency left; the 40% rating takes 40% of that 30 (12 points), giving 82 — not 110.
How much does a 80% rating pay?
Effective 2025-12-01, 80% pays $2,102.15 per month for a veteran with no dependents, or $2,277.15 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 70%
70+10 · 70+20 · 70+30 · 70+40 · 70+50 · 70+60 · 70+70 · full calculator