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Q201: I am rated at 100 % disabled. I applied for VGLI and I was denied for insurance. The VA said I did not apply within the 2 year window. My VSO told me to reapply, and so I did. The VA denied me again. The VA said I must have a new disability to be considered for insurance. My VSO put in two claims for me, one for hearing loss and one for ED. The Comp & Pen doctor said my hearing was not bad enough for a rating and I probably wouldn’t get rated, and he said my ED is too new, so he basically put in his report that I did not have ED. Subsequently, I was denied for insurance again. I need advice badly. Should I appeal the denial for VGLI?
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A1: To be honest with you you can get insurance a lot cheaper than VGLI & with better coverage than VGLI , I suggest that you contact a local agent with a good company even USAA has good insurance coverage or even AARP & forget about VGLI. (RL) 11/29/18
A2: It is my understanding you do not need a new disability, just a claim and a denial and a 2 year window and you should be eligible for coverage. I would call all the insurance companies listed on the VA website to get each criteria. (WR) 11/29/18