Eligibility

CHAMPVA eligibility is based on the CHAMPVA veteran sponsor’s status:

  1. the spouse or child of a veteran who has been rated for total and permanent disability due to service-connected disability by the VA (that is, a VA regional office)
  2. the widow/widower or child of a veteran who passed away due to a service-connected disability rated by the VA
  3. the widow/widower or child of a veteran who at the time of death, was rated as permanently and totally disabled due to a service-connected disability
  4. the widow/widower or child of a military man or woman who was killed in the line of duty (but not due to bad conduct– often though these will be TRICARE eligible rather than CHAMPVA)

You cannot be eligible for both CHAMPVA and TRICARE.  If you become eligible for TRICARE, you an no longer avail of CHAMPVA benefits.

Loss of Eligibility

Spouse

  • If divorced from veteran sponsor, coverage will terminate on date of final divorce decree
  • If widowed, coverage will end if surviving spouse remarries prior to age 55
  • If eligible for TRICARE
  • If eligible for Medicare Part A but does not purchase Medicare Part B

Child

  • If child gets married, coverage ends on date of marriage
  • If child is not enrolled in school, coverage ends at age 18
  • If child is in school, coverage ends when child finishes school or turns 23, whichever is sooner

Helpless child (as rated by VA)

  • If child gets married
  • If no longer rated helpless by VA
  • If eligible for Medicare Part A but does not purchase Medicare Part B

Note:  Widow or widower who remarries before age 55 and loses CHAMPVA can regain benefits if the new marriage ends.

 

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