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Gratuitous Service-Disabled Veterans Insurance (ARH) Benefits

Program Description

Gratuitous Service-Disabled Veterans Insurance (ARH) is a program that provides posthumous life insurance coverage for certain Veterans.

General Program Requirements

Gratuitous Service-Disabled Veterans Insurance (S-DVI) (ARH) is granted posthumously to Veterans who:
  • Met the basic eligibility requirements for S-DVI; AND
  • Did not apply for S-DVI because of a continued mental incompetence due to a service-connected disability; AND
  • Died before the appointment of a guardian or within two years of such appointment
Veterans Affairs (VA) must receive an application for payment of Gratuitous S-DVI (ARH) within two years from the date of the Veteran's death.

If the person making the claim is mentally or legally incompetent, and did not file the claim in time, VA can receive the application within one year after incompetency ends.

For more information, see the Gratuitous S-DVI ("ARH") section of the "VA Life Insurance Programs for Veterans and Servicemembers Handbook".

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

For information on how to apply for this program, please call 1-800-669-8477.



Program Contact Information

If you have questions:

  • Visit the Inquiry Routing & Information System (IRIS) website to search Frequently Asked Questions or ask a question on-line
  • Call 1-800-669-8477

  • To apply for additional benefits and view your benefit status, open an eBenefits Premium account. eBenefits is a one-stop source for information on Department of Defense and Department of Veterans Affairs benefits and services. With a free Premium level eBenefits account, Veterans and Servicemembers can conduct self-service transactions such as checking claim status information, GI Bill enrollment, and obtaining copies of civil service preference letters, DD214, and other personal information. For further information and to register for a free Premium level account, visit the eBenefits website.