What is Special Monthly Compensation (SMC) and Can You Qualify?

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If you’re a veteran receiving VA disability benefits, you may have heard of Special Monthly Compensation (SMC) — but what is it, and how can it helpLet’s break it down in simple terms.What is Special Monthly Compensation?


SMC is extra money the VA pays to veterans who have serious disabilities. It’s meant to help with the added challenges that come with severe or complicated conditions.



Unlike standard VA disability ratings (which go from 0% to 100%), SMC is not based on a percentage. Instead, it’s based on specific situations — like the need for help with daily activities, or the loss of use of a limb or organ.


Who Can Qualify for SMC?


You might qualify for SMC if you Need help with daily tasks, like bathing, dressing, or eating (this is called “aid and attendance”)

  • Are housebound due to service-connected disabilities

  • Have lost use of a body part or function, like a hand, foot, or vision
  • Have certain combinations of disabilities, such as both arms or legs affected
  • Have a spouse with serious medical needs

    • The VA has several levels of SMC, labeled with letters (like SMC-K, SMC-L, up to SMC-T), depending on the severity of the disability.


    How Much Money Are We Talking About?


    The exact amount depends on your level of SMC and other factors, like whether you have dependents. For example: As of 2025, SMC-K pays an additional $128.62 per month (for things like loss of a finger or creative organ).

  • Higher levels, like SMC-L through SMC-T, can add hundreds or even thousands of dollars to your monthly compensation.
    • These payments are on top of your regular VA disability compensation.


    How Do You Apply for SMC?


    Good news: you don’t always have to apply. If the VA sees that your medical records show you qualify, they may automatically grant SMC.But if you think you qualify and haven’t received it, you can: Submit a statement to the VA (VA Form 21-4138) and include any relevant medical evidence


    Final Thoughts


    SMC is a powerful benefit that exists to support veterans with the most serious service-connected conditions. If you or a loved one are struggling with mobility, daily tasks, or complex injuries, don’t leave this money on the table.