The main SMC levels
| Level | Generally for… |
|---|---|
| SMC-K | Loss or loss of use of a creative organ, a hand, a foot, both buttocks, or blindness in one eye, plus certain other losses. Paid in addition to your regular rating. |
| SMC-S (housebound) | One condition rated 100% plus additional conditions independently rated 60% or more, or being permanently housebound by service-connected disabilities |
| SMC-L | Needing the regular aid and attendance of another person, being bedridden, or certain combinations of loss of use or blindness |
| SMC-M through O, R-1, R-2 | Progressively more severe combinations of disabilities and higher levels of care |
VA publishes SMC rates each year on its SMC rates page. The rules for combining levels are complex (38 CFR § 3.350).
Why it gets missed
VA is supposed to consider SMC whenever the evidence raises it, but it's often overlooked. This is especially true of SMC-S for veterans rated 100% for one condition with other significant ratings, and of SMC-K for erectile dysfunction from medications or for loss of use.
Rated at or near 100%?
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Official sources
This page is general information, not legal advice, and VA rules change. Last reviewed October 2026.