Service-Disabled Veterans Insurance (S-DVI)

Coverage

Service-Disabled Veterans Insurance is life insurance for veterans who have received a service-connected disability rating by the Department of Veterans Affairs. The basic S-DVI program, commonly referred to as “RH Insurance”, insures eligible veterans for up to $10,000 of coverage. Veterans who have the basic S-DVI coverage and are totally disabled are eligible to have their premiums waived. If a waiver is granted, totally disabled veterans may apply for additional coverage of up to $20,000 under the Supplemental S-DVI program. Premiums for Supplemental S-DVI coverage, however, cannot be waived.

Eligible Individuals

You are eligible for S-DVI if:

• You were released from service under other than dishonorable conditions on or after April 25, 1951
• VA has notified you that you have a service-connected disability
• You are healthy except for your service-related disability
• You apply within two years of being notified of your service-connected disability

You are eligible for Supplemental S-DVI  if:

• You have an S-DVI policy
• The premiums on your basic coverage are being waived due to total disability
• You apply within one year of being notified of the waiver
• You are under 65 years of age

The cost varies depending upon age, type of plan (term or permanent), and the amount of coverage.

Apply

You can apply by using the following forms:

• VA Form 29-4364 to apply for basic S-DVI
• VA Form 29-0189 to apply for Supplemental S-DVI (or you may submit a letter, over your signature, requesting Supplemental S-DVI)
• VA Form 29-357 to apply for a total disability waiver of S-DVI premiums

The cost varies depending upon age, type of plan (term or permanent), and the amount of coverage.