VA Pension vs VA Disability: opposite eligibility rules
VA pension is a needs-based program for wartime veterans with limited income and net worth, while VA disability compensation is earned through service-connected injury or illness. The two programs have opposite eligibility logic — a veteran can receive one or the other, but not both simultaneously.
The 2025 MAPR table
The Maximum Annual Pension Rate is the ceiling the VA will pay before counting your other income against it:
| Category | 2025 MAPR |
|---|---|
| Veteran alone (basic) | $17,235 |
| Veteran with spouse (basic) | $22,655 |
| Single veteran with A&A | $28,746 |
| Married veteran with A&A | $34,026 |
| Surviving spouse (basic) | $11,610 |
| Surviving spouse with A&A | $18,876 |
IVAP — the income test
Income for VA Purposes (IVAP) is your countable income minus unreimbursed medical expenses above 5% of the MAPR. The pension pays the difference between MAPR and IVAP. If your IVAP is zero, you receive the full MAPR. If your IVAP equals or exceeds the MAPR, you receive no pension.
The net worth limit
The 2025 net worth limit is $159,825, combining countable assets and annual income. The VA also applies a 3-year look-back period on asset transfers below market value, similar to Medicaid's look-back rule. Transferring assets to qualify can trigger a penalty period of up to 5 years.
For the Aid & Attendance eligibility requirements — including the ADL test and the need for assistance with daily living — see our complete A&A guide.