Your starting point at signing
- Separated from active duty.
- Documented Honorable discharges for every completed service period.
- No VA rating yet, or a combined rating below 80%.
- Not receiving TDIU.
- The full $1,250 paid at signing. Payment plans do not qualify, even after payoff.
Maintaining eligibility requires at least five distinct qualifying conditions and the policy’s medical evidence, participation, filing, and review requirements. The process generally includes three qualifying attempts, required reviews, and an accredited attorney assessment; a supported Board appeal may be required. Documented exceptions apply.
Any qualifying new service connection (including 0%), rating increase, or new/increased SMC award can fulfill the guarantee—even on an unrelated or previously pending claim. A denial alone does not create refund eligibility. The signed Agreement and Terms govern refunds, exclusions, and any policy-change reductions.
Read the full guarantee terms ↗