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Guides, tips & updates from Kilelu Apps

Practical breakdowns of paychecks, debt, retirement, disability benefits and more — written for the tools you already use.

82 posts 12 apps
A More Severe Diagnosis Does Not Mean A Higher VA Mental Health Rating
VA Disability Rating Calculator Jul 28, 2026

A More Severe Diagnosis Does Not Mean A Higher VA Mental Health Rating

Veterans assume a "severe" clinical diagnosis automatically means a higher VA rating, and a "mild" one means a lower one. That's not actually how the…

Your VA Disability Compensation Cannot Be Divided In A Divorce — But Something Else Can Be
VA Disability Rating Calculator Jul 26, 2026

Your VA Disability Compensation Cannot Be Divided In A Divorce — But Something Else Can Be

Divorce and VA disability compensation is one of the most misunderstood combinations in this space, and it runs in two opposite directions depending …

Whether VA Disability Counts As Income Depends On Who's Asking
VA Disability Rating Calculator Jul 25, 2026

Whether VA Disability Counts As Income Depends On Who's Asking

Veterans hear "VA disability is tax-free" and assume that settles the question everywhere. It doesn't. The same dollar gets treated completely differ…

VA Disability Compensation Does Not Stop At 100%
VA Disability Rating Calculator Jul 25, 2026

VA Disability Compensation Does Not Stop At 100%

Most veterans believe 100% is the ceiling. Get rated 100%, and that's the biggest check the VA writes. Full stop. That's not true, and for some veter…

Your Intent to File Is Not Your Claim
VA Disability Rating Calculator Jul 18, 2026

Your Intent to File Is Not Your Claim

Veterans hear "Intent to File" and think they've already started their claim. They haven't. And the gap between the two can cost thousands of dollars…

Military Retirees Are Leaving Money on the Table Between These Two Programs
VA Disability Rating Calculator Jul 18, 2026

Military Retirees Are Leaving Money on the Table Between These Two Programs

If you're a military retiree drawing both retirement pay and VA disability compensation, there's a decent chance you're on the wrong one of these two…

A 100% VA Rating Does Not Mean You Can't Work
VA Disability Rating Calculator Jul 17, 2026

A 100% VA Rating Does Not Mean You Can't Work

Say "100% disabled" out loud and most civilians picture someone who can't get out of bed. That's not what the rating means, and it's not what the VA …

A Denied VA Claim Is Not the VA Calling You a Liar
VA Disability Rating Calculator Jul 15, 2026

A Denied VA Claim Is Not the VA Calling You a Liar

Getting a denial letter feels personal. Like the VA read your story and decided not to believe you. That's almost never what actually happened. Every…

A C&P Exam Does Not Decide Your VA Rating
VA Disability Rating Calculator Jul 13, 2026

A C&P Exam Does Not Decide Your VA Rating

Veterans walk out of a Compensation & Pension exam thinking the doctor in the room just decided their fate. That's not how it works. The C&P examiner…

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