Chapter 35 VA Benefits: The Hidden Way to Earn While Training for a Skilled Trade

If you’re a spouse or dependent of a veteran, you might already know about Chapter 35 benefits — but did you know these benefits can actually help you earn money while learning a new trade through on-the-job training (OJT) or an apprenticeship? That’s right, the VA has got your back while you gain hands-on experience and learn valuable skills.

Let’s walk through what this looks like, how much you can get, and what you need to do to take advantage of it.

So, What Is Chapter 35?

Chapter 35 is a benefit for spouses and children of veterans who are either permanently disabled or have died due to service-related injuries or conditions. It’s all about helping family members of veterans get the education or training they need to build a better future.

The great thing about Chapter 35 is that it’s not just for traditional college courses. If you’re looking to get into a trade, you can also use it for apprenticeships or on-the-job training — basically, learning while you earn.

How Much Can You Get?

The amount you can get each month depends on how long you’ve been in your training program. The idea is that the longer you’re in, the more you’re likely to be earning from your job, so the VA payment starts off higher and then gradually decreases as you gain more experience. Here’s how the payments work for October 1, 2024, through September 30, 2025:

• First 6 months of training: Up to $975/month

• Months 7–12: Up to $733/month

• Months 13–18: Up to $481/month

• Beyond 18 months: Up to $245/month

To get the full amount, you’ll need to work at least 120 hours per month. If you work less, your payment will be lower, but it still helps to have that extra cash while you’re learning on the job.

What’s nice is that as the payments decrease over time, your entitlement (the total amount of benefits you’re eligible for) is stretched out. This means your benefits can last longer, helping you all the way through your training.

What Kinds of Programs Qualify?

Not all training programs are covered, so you’ll need to make sure the apprenticeship or OJT program you’re looking at is approved by the VA. This includes things like:

• Electrician or plumbing apprenticeships

• HVAC technician programs

• Medical assistant training

• IT or tech jobs

• And many other skilled trades

Make sure to double-check that the program is VA-approved before you start, so you don’t run into any surprises later.

What About Other Costs?

Chapter 35 benefits are mainly meant to help with your living expenses while you’re in training. They won’t cover things like books, tools, or work uniforms, but some employers may help with those costs separately. It really depends on the program.

Also, while you won’t get money for things like textbooks or supplies, the monthly stipend can still help you focus on your training without stressing too much about making ends meet.

How Do You Apply?

Applying for Chapter 35 benefits is pretty straightforward. Here’s what you need to do:

1. Check that you’re eligible. You’ll need to be the spouse or child (ages 18–26) of a veteran who has a service-related disability or who passed away due to their service.

2. Find an approved program. Make sure the apprenticeship or on-the-job training program you want to do is VA-approved. You can check that by using the VA’s online tools or by reaching out to them.

3. Submit your application. You can apply online through the VA website or by filling out VA Form 22-5490 and mailing it in.

4. Coordinate with your employer. Once you’re in the program, your employer will have to confirm your training hours each month with the VA to keep the payments flowing.

Chapter 35 benefits can be a great way to earn while you learn if you’re looking to get into a skilled trade. Whether you’re interested in an apprenticeship, a union program, or other hands-on training, these benefits can help cover your living expenses as you gain valuable skills for your future.

It’s a huge step toward getting into a solid career, and if you need any help figuring out if your program qualifies or how to apply, don’t hesitate to reach out. I’m happy to help guide you through the process. The goal is to make sure you have everything you need to succeed!