Your Service Pays You in Ways
the VA Won't Cover.
Flight pay. BAH. BAS. Hazard pay. Special duty. The VA disability rating system calculates none of it — and the gap between what you earn and what you'd collect starts the moment you can no longer serve.
Get Your Coverage Brief
Own-Occupation Coverage
Pays if you can't serve in your rated specialty — not just any job.
Deployment-Aware Policy
Exclusion waivers designed around deployment cycles and combat zones.
SGLI Supplemental Stack
Built to sit on top of SGLI and close the gap it leaves behind.
Not ready to talk?
Download the free Military Disability Income Gap Report first.
Download Free ReportThe Problem
Watch Your Paycheck Disintegrate.
A disability rating stops your service. But the VA only replaces base pay — at a fraction. Every line below that disappears the moment you can't deploy.
VA Disability Compensation
100% P&T Rating · O-3 equivalent
$2,820
/month
The VA's maximum schedular rating. No flight pay. No BAH. No BAS. No special duty.
Monthly Gap
$7,845
/month unprotected
Figures based on 2025 DoD pay tables and VA compensation rates. Individual gap varies by rank, years of service, and pay components.
The Solution
Rebuild Every Line. Close Every Gap.
Each Shield policy component is matched precisely to the pay category it replaces. The structure mirrors your LES — so you can see exactly what's protected.
Protected Monthly Income
$0
/month reconstructed
Policy Advantages
Portable — survives separation and retirement
Non-cancelable through age 65
Benefit paid tax-free
No military exclusion clauses
Field Reports
Verified Policyholder Accounts.
Names redacted per policyholder request. Branch, rank, and outcome data verified.
CASE-0047-A
9 YRS SVC
"I flew Apaches for nine years. The VA rated me 70% and I got a number that didn't account for a single hour of flight pay. Shield built a policy around my actual LES. The difference between what the VA pays and what I actually need — that gap is closed."
Monthly gap closed
$2,860
CASE-0112-B
18 YRS SVC
"Eighteen months from retirement. My advisor at Shield ran the numbers against my actual retirement projection and showed me what a 60% VA rating would actually pay versus what I'd need to keep my family where they are. I signed within two weeks."
Pre-retirement gap identified
$3,440/mo
CASE-0203-C
13 YRS SVC
"My wife kept asking what happens to our BAH if I can't fly anymore. Nobody at the VA could answer that. Shield answered it in the first meeting. The aviation rider specifically — that's the piece I couldn't find anywhere else."
Flight pay protected
$1,000/mo rider
CASE-0318-D
16 YRS SVC
"Four PCS moves in seven years. I gave up a career in nursing to follow orders. When my husband was medically separated, I understood immediately what the income gap meant — because I'd already lived the version where my earning power was the thing that disappeared. Shield gave us a plan."
Household income stabilized
Full coverage stack
The Military Disability Income Gap Report
2025 Edition · Shield Insurance Group
What the report covers
The exact gap by pay grade
E-5 through O-6 income gap analysis with 2025 DoD pay tables.
What SGLI actually covers
The specific scenarios where SGLI pays — and the longer list of scenarios where it doesn't.
Your personal gap estimate
A fill-in worksheet to calculate your own protected vs. unprotected income.
Policy structure primer
Plain-language explanation of own-occupation riders, deployment waivers, and supplemental stacking.
Ready to Act
Get Your Coverage Brief.
One advisor. One call. A policy structure built around your actual LES — not a generic disability template.