Service-Disabled Veterans Insurance (S-DVI)
Army Reserve: Retired
Benefit Fact Sheet
The Service-Disabled Veterans Insurance (S-DVI) program was established in 1951 to meet the insurance needs of certain Veterans with service-connected disabilities. Veterans may choose from a number of plans as well as term insurance that best meets their particular needs. Policies are issued for a maximum face amount of $10,000. Those who qualify for S-DVI and are granted a waiver of premium may be eligible for Supplemental S-DVI with a face amount of up to an additional $30,000.
To obtain S-DVI, Service members must meet all of the following criteria:
- You were discharged from service after April 25, 1951, under other than dishonorable conditions, AND
- VA granted service connection for any disability (even if evaluated at zero percent), AND
- You applied within two years from the date the VA notified you of that new service-connected disability, AND
- You are in good health, except for any service-connected conditions.
Note: An increase in an existing service-connected disability or the granting of individual unemployability of a previous rated condition does not entitle a Veteran to this insurance.
S-DVI is available in a number of permanent plans as well as term insurance, each with their own specific features and rate structures. To help choose the best option for you, you can view the specific plans and features in the Service-Disabled Veterans Insurance RH Information and Premium Rates pamphlet.
To apply use VA form 29-4364, Application for Service-Disabled Veterans Life Insurance (S-DVI).
Insurance can be purchased in amounts from $1,000 to a maximum amount of $10,000. If you have other Government Life Insurance, the total amount of the policies cannot be more than $10,000 not including SGLI and VGLI. In other words, if you are covered under SGLI / VGLI you still have the right to buy this insurance.
Applying for Coverage:
Veterans must apply within two years from the date VA grants them a new service-connected disability. Veterans can apply for S-DVI online at
Waiver of Premiums Feature:
Premiums on an S-DVI policy may be waived if the policyholders' disability prevents him or her from working. The total disability must begin before the policyholder's 65th birthday, and must continue for at least six consecutive months. The total disability may begin prior to the effective date of the policy, provided that the disabling condition is service-connected. Policyholders who carry the basic S-DVI coverage and who become eligible for a waiver of premiums can apply for and be granted additional Supplemental S-DVI of up to $30,000.
To apply for waiver of premiums, Veterans must file VA Form 29-357, Claim for Disability Insurance Benefits.
The Veterans' Benefits Act of 2010, provided for $30,000 of supplemental coverage to S-DVI policyholders. Premiums may not be waived on this supplemental coverage. S-DVI policyholders are eligible for this supplemental coverage if:
- You have an S-DVI policy, AND
- VA is waiving the premiums on your basic coverage due to total disability, AND
- You apply for Supplemental S-DVI within one year of being notified of the waiver of your S-DVI premiums, AND
- You are under 65 years of age
To apply for Supplemental S-DVI, you must file VA Form 29-0188, Application for Supplemental Service-Disabled Veterans (RH) Life Insurance or send a letter requesting this insurance over your signature. You must apply for the coverage within one year from notice of the grant of waiver of premiums.
For more information, please visit the S-DVI webpage maintained by the Department of Veterans Affairs:
Summary of VA Benefits for National Guard and Reserve Members and Veterans:
Document Review Date: 28 October 2016