TDIU (Total Disability based on Individual Unemployability) is also called IU and Unemployability. TDIU is paid to veterans who cannot work due to a service connected disability, but have less than a 100% schedular rating.
How can I qualify?
There are two ways to qualify.
1. Ratings-based qualification:
You must first have one service-connected disability of 60% or a combination of ratings totaling 70% with one of the included ratings being at least 40%.
If you meet one of those requirements, and you can show that one of your service connected disabilities has caused a total inability to work, you can qualify for TDIU.
2. Severity-based qualification:
If you have a service connected disability that doesn’t meet those schedular rating requirements, but the disability prevents you from working, then you can still file a claim for TDIU.
This is especially useful if you meet the maximum rating for a condition, but don’t meet the ratings-based qualifications listed above.
The maximum ratings for some diseases are less than 100%. For example, the highest rating for migraines is 50%. If you have migraines that prevent you from working, then you should file for TDIU, even though your rating is only 50%.