Initial Claims

Soldier crouches under a military truck, inspecting the underside in a garage.
by Brad Cummings • 11 October 2026
Guard and Reserve VA claims fail at the threshold, not the medicine. Active duty, ACDUTRA, drill weekends, state orders: what counts, and how to prove it.
Two metal trays holding stacks of papers on a conference table in an office meeting room.
by Brad Cummings • 3 October 2026
A court found Veterans Guardian collected over $250 million from veterans while unaccredited. The VA had sent cease-and-desist letters in 2019 and 2024.
Long row of gray folding chairs in a hallway, with a few people standing at the far end.
by Brad Cummings • 25 September 2026
The VA processed three million claims this year and grants over 60 percent. Only 3 percent are reviewed at the Board. The case for appealing, in the VA's numbers.
Glass office lobby with reception desk, hallway, and a door handle in the foreground
by Brad Cummings • 24 September 2026
Trajector filed Chapter 11 after class actions, freezing the suits. New York and Illinois attorneys general say they'll act anyway. What veterans who paid should know.
Man walking out of a building toward a parked car with a woman leaning on it in a sunny lot
by Brad Cummings • 12 September 2026
An executive order aims to cut claim times by up to 30 days for separating service members. What it changes, who it skips, and how to use the window.
Woman working on a laptop at a dining table with papers and a mug in a sunlit home office
by Brad Cummings • 29 August 2026
The VA proposed shorter applications for claims, DIC, and pension, with new forms due around December. What it fixes, what it can't, and why to file now.
Person looking at a laptop showing a shark in a kitchen-like room
by Brad Cummings • 22 August 2026
Texas secured a deceptive-practices judgment against the biggest claims-coaching company. How the model works, three questions that unmask it, and the free path.
Modern building with a dark glass facade and white side panel at sunset, featuring a circular logo near the top.
by Brad Cummings • 9 August 2026
Most veterans read the rating and stop. The five checks to run on every VA decision letter, and where skipped conditions and wrong dates like to hide.
Map with a blue route line, compass, pill bottle, and notebook on a wooden desk
by Brad Cummings • 2 August 2026
For many conditions the VA must presume service connection. The exposure lists, the combat rules, and the one-year rule new veterans keep missing.
Empty hospital hallway with a blue chair and wall clock on the left
by Brad Cummings • 25 July 2026
Most first VA claims lose on avoidable errors, not weak cases. The seven mistakes veterans keep making, and how to file yours without any of them.