TDIU (Total Disability Individual Unemployability)

Not every veteran will have a 100% disability rating, but many live with conditions so serious that they cannot hold steady employment. That’s where TDIU (Total Disability based on Individual Unemployability) comes in. TDIU allows veterans who don’t meet 100% on paper to be paid at the 100% level if their service-connected conditions prevent them from working.

For example, a veteran might have PTSD rated at 70% and knee problems rated at 20%. That doesn’t add up to 100%, but together, those disabilities make it impossible to keep a job. With TDIU, the VA recognizes that reality and pays the veteran as if they are 100% disabled.

The VA looks at whether a veteran can maintain “substantially gainful employment.” This means more than just being able to find odd jobs here and there. If a veteran’s service-connected conditions make it impossible to work consistently or earn a living wage, TDIU should apply.

The process can feel intimidating because it often requires forms, work history, and sometimes statements from employers. Many veterans are also afraid to admit how much their conditions affect them because they don’t want to seem weak. But telling the truth about the struggles—missed days, difficulty concentrating, pain that makes it impossible to stand or sit—can make all the difference.

We help veterans present their cases honestly and clearly so the VA understands the full picture. TDIU isn’t a handout—it’s recognition that some conditions, alone or combined, make steady work impossible. Veterans who gave everything in service shouldn’t have to suffer financially when they can no longer work.

Next Step: If you can’t hold steady work due to service-connected conditions, we can help you apply for TDIU and fight for the full benefits you deserve.

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Sherrie Lim

Client Services Coordinator

Sherrie Ann Lim brings over twelve years of customer service experience and a strong background in team leadership and client support. Although she holds a Bachelor of Science degree in Physical Therapy, her career path led her to the dynamic world of the contact center industry, where she discovered a deep passion for service, communication, and operational excellence.

Sherrie is known for her perseverance, enthusiasm, and confident sense of responsibility. She consistently delivers high-quality results, efficiently managing tasks while remaining flexible to the evolving needs of her clients. Her commitment to continuous improvement and excellence positions her as a trusted ally for businesses seeking proactive and reliable virtual support.

Drawing from her college background, Sherrie has a deeper understanding of the physical and emotional needs associated with aging, making her especially attuned to the importance of compassionate and informed care for the elderly. She recognizes that elder care isn’t just about physical support, it also involves emotional presence, patience, and clear communication. Her strong appreciation for family ties fuels her commitment to helping clients manage the intricacies of elder care with empathy and attentiveness, ensuring that elderly loved ones feel respected, safe, and truly cared for.

She loves taking care of her family during her rest days and free time, finding joy in the simple yet meaningful routines of home life. Whether it’s preparing home-cooked meals, baking sweet treats for her kids, or tackling household projects, Sherrie finds fulfillment in creating a nurturing and organized environment for her family. Whenever time and opportunity allow, she also enjoys traveling with her family, exploring new places, creating lasting memories, and embracing experiences that strengthen their bond and bring joy into their lives.

Fun Fact: Sherrie’s two kids were born on the exact same date—two years apart! 

May Cruz

Client Services Coordinator

May began her community service career with the Philippine Department of Health as a Computer Operator, providing vital technical support to healthcare workers across island provinces and helping to bridge technology gaps in remote medical settings. Her commitment to service extended beyond her official duties—she also volunteered in medical missions, assisting indigenous communities and contributing to the delivery of essential healthcare with empathy and cultural sensitivity.

Continuing her dedication to public service, May later worked at a law firm as a Disability Service Coordinator, assisting military veterans in navigating disability services. She brought empathy, compassion, and heart to the role, ensuring that each veteran felt heard, respected, and supported throughout the process.

With a unique blend of technical expertise and human-centered care, May remains deeply committed to using her skills to uplift underserved and vulnerable communities.

Fun Fact: Despite not knowing how to swim, May is a certified open water diver. Her adventurous spirit and determination push her beyond her comfort zone—both in life and under the sea.

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