VA Health Care: A Profile of Veterans Using VA Medical Facilities in 1991
(Fact Sheet, 03/29/94, GAO/HEHS-94-113FS).

In 1993, the President proposed a major overhaul of the nation's health
care system that would guarantee universal coverage to all Americans.
For many veterans, this reform would allow them, for the first time, to
choose between the Department of Veterans Affairs' (VA) medical centers
and other health care providers.  Employment status and income levels
are expected to be major factors affecting veterans' decisions.  This
fact sheet profiles veterans who, during 1991, used VA medical centers.
It describes veterans' income, age, marital status, usage rates,
disability status, employment, family size, and other characteristics.
GAO collected this information using VA patient records and Internal
Revenue Service tax records.

--------------------------- Indexing Terms -----------------------------

 REPORTNUM:  HEHS-94-113FS
     TITLE:  VA Health Care: A Profile of Veterans Using VA Medical 
             Facilities in 1991
      DATE:  03/29/94
   SUBJECT:  Veterans benefits
             Veterans
             Demographic data
             Income statistics
             Statistical data
             Veterans hospitals
             Health care services
             Emergency medical services
             Health services administration
             Health statistics

             
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Cover
================================================================ COVER


Fact Sheet for the Chairman, Committee on Veterans' Affairs, House of
Representatives

March 1994

VA HEALTH CARE - A PROFILE OF
VETERANS USING VA MEDICAL CENTERS
IN 1991

GAO/HEHS-94-113FS

Veterans Using VA Medical Centers in 1991


Abbreviations
=============================================================== ABBREV

  IRS - Internal Revenue Service
  VA - Department of Veterans Affairs

Letter
=============================================================== LETTER


B-251653

March 29, 1994

The Honorable G.V.  (Sonny) Montgomery
Chairman, Committee on Veterans' Affairs
House of Representatives

Dear Mr.  Chairman: 

This fact sheet provides a profile of veterans who, during 1991, used
medical centers operated by the Department of Veterans Affairs (VA). 
It describes veterans' income, age, marital status, usage rates,
disability status, employment, family size, and other
characteristics.  We developed this fact sheet using VA's patient
treatment records and the Internal Revenue Service's tax records.  We
briefed the Committee on the results of our work on December 8, 1993,
and March 17, 1994.  This fact sheet documents the information
presented in those briefings. 


   BACKGROUND
------------------------------------------------------------ Letter :1

VA operates 158 medical centers, consisting of 171 hospitals and more
than 200 outpatient clinics.  In 1991, about 2.2 million veterans
made more than 20 million outpatient visits to these centers and had
more than 970,000 hospital stays.  Of these veterans, about 1 million
had disabilities incurred or aggravated by military service (service
connected), and 1.2 million had no disabling conditions related to
military service (nonservice connected). 

In 1992, VA began to study ways to revise and reform the laws
governing veterans' eligibility for VA medical care.  Generally,
veterans are entitled to inpatient care if they have
service-connected conditions or incomes below prescribed amounts.\1
In contrast, most veterans are eligible for outpatient care on a
space-available basis; service-connected veterans have the highest
priority, and income is a determining criterion for
nonservice-connected veterans.  Also, nonservice-connected veterans
are required to pay a copayment if their income exceeds the
prescribed levels. 

In 1993, the President proposed a major reform of our nation's health
care system.  In general, his plan would establish a system of
universal coverage, in which employers are responsible for financing
coverage for their employees.  It also would authorize VA to compete
as a medical care provider for veterans and their dependents.  For
many veterans, this would provide their first opportunity to choose
between VA and other providers.  Employment status and income levels
are expected to be major factors affecting veterans' decisions. 


--------------------
\1 For example, effective January 1, 1994, a veteran without
dependents was entitled to VA inpatient medical care if he or she had
annual income below $19,913; the income threshold increased by $3,984
for the first dependent and $1,330 for each additional dependent. 


   GAO METHODOLOGY
------------------------------------------------------------ Letter :2

Using the Internal Revenue Service's information returns master file,
we measured incomes that veterans who use VA facilities may typically
have available to spend on health care.  We used selected sources of
income from that file to develop an estimate of family income
(veteran and spouse) that covers four general income sources: 
employee compensation, retirement benefits, interest and dividends,
and nonemployee compensation.  Our family income analyses are not
intended to provide an economic measure of veterans' income.  For
example, we excluded certain potentially nonrecurring or needs-based
income sources, such as capital gains and losses and welfare
benefits.  While the income sources we used in our analyses represent
the vast majority of these veterans' family incomes available for
health care expenditures, we recognize that the incomes of some
veterans' families may be understated or overstated because all
income sources were not included (See app.  I for details of our
methodology). 


   RESULTS
------------------------------------------------------------ Letter :3

Of the 2.2 million veterans who used VA centers in 1991, two-thirds
had family incomes under $20,000; in contrast, about 10 percent had
family incomes over $40,000 (see app.  II).  Lower incomes tended to
prevail among nonservice-connected, unmarried, younger veterans: 

  Seventy-five percent of the nonservice-connected veterans had
     family incomes under $20,000 compared to 58 percent of the
     service-connected veterans.  Of the service-connected veterans,
     those with disability ratings between 10 percent and 40 percent
     had higher incomes than veterans with ratings of 0 percent or 50
     percent or more (see app.  III).  For service-connected and
     nonservice-connected veterans, the vast majority of income was
     related to employment or retirement, and a relatively small
     amount came from investments (see app.  IV). 

  Eighty-seven percent of the unmarried veterans had incomes under
     $20,000 compared to 35 percent of the married veterans (see app. 
     V). 

  Thirty-seven percent of the older veterans (aged 65 and over) had
     incomes under $10,000 compared to at least 45 percent of those
     under age 65 (see app.  VI). 

Of the 2.2 million veterans, 555,000 or about 25 percent used VA
inpatient services.  Inpatient usage rates, as measured by total days
used, did not vary widely for veterans of comparable income levels. 
For example, veterans with incomes under $10,000 accounted for 50
percent of the shorter inpatient stays (less than 7 days), 55 percent
of the intermediate stays (between 8 and 21 days), and 60 percent of
the stays over 21 days (see app.  VII). 

Almost all of the 2.2 million veterans used VA outpatient services. 
Outpatient usage rates, as measured by total visits made, did not
vary widely for veterans of comparable income levels.  For example,
veterans with incomes under $10,000 accounted for 40 percent of all
veterans visiting infrequently (less than twice a year), 41 percent
of those visiting moderately (three to six visits), and 45 percent of
those with seven or more visits a year (see app.  VIII). 

About 40 percent of the 2.2 million veterans were employed; 45
percent were retired.  Of the employed veterans, about 46 percent
were married.  Of those married veterans, about 60 percent also had a
spouse who was employed.  Employed married veterans had higher
incomes than employed single veterans, and those who also had an
employed spouse had significantly higher incomes; about 45 percent of
this latter group had incomes of $30,000 or more (see app.  IX). 

About 16 percent of the 2.2 million veterans had dependents (other
than a spouse).  Of these veterans, about 22 percent were single. 
Veterans with dependents had higher incomes than those without
dependents.  For example, 16 percent of the single veterans and 41
percent of the married veterans with dependents had incomes of
$30,000 or more compared to 4 percent of the single veterans and 36
percent of the married veterans without dependents (see app.  X). 


---------------------------------------------------------- Letter :3.1

We did not obtain formal agency comments on this fact sheet; however,
we did discuss the information presented in this fact sheet with
responsible agency officials.  We considered their comments. 

As arranged with your office, unless you announce its contents
earlier, we plan no further distribution of this fact sheet until 30
days after the date of this letter.  At that time, we will send
copies to the Secretary of Veterans Affairs.  We will make copies
available to others upon request. 

Please contact me at (202) 512-7101 if you or your staff have any
questions.  Major contributors to this fact sheet are listed in
appendix XI. 

Sincerely yours,

David P.  Baine
Director, Federal Health
 Care Delivery Issues


SCOPE AND METHODOLOGY
=========================================================== Appendix I

We used a two-step process to obtain data needed to develop a profile
of veterans using VA medical centers.  First, we used VA's patient
treatment records and identified the universe of veterans who used VA
centers and obtained various characteristics, such as age and
utilization information.  Second, we used the Internal Revenue
Service's (IRS) tax records to obtain income information and marital
and dependent status. 

Using VA's patient treatment records for 1991, we identified 2.2
million veterans who used VA's inpatient and outpatient health care
facilities.  We selected 1991 because it was the latest year for
which federal tax records were available when we started our field
work.  Of these veterans, 964,400 had disabilities that were incurred
or aggravated by military service, and 1,236,431 veterans had no
disabling conditions related to military service.  We did not obtain
treatment information for veterans who used only nursing homes or
domiciliaries. 

Using the information returns master file, we measured income that
these veterans may typically have available for health care
expenditures.  These records from the IRS contained information
reported by third-party payers for four general income
categories--employee compensation, retirement benefits, interest and
dividends, and nonemployee compensation for veterans and their
spouses.  Income attributable to children or other dependents (except
spouses) was not obtained because IRS officials advised that they
could not readily provide such data.  Third-party tax data are
year-end statements of income filed by employers, banks, companies,
and other payers.  These documents are used by IRS primarily as an
enforcement tool for auditing income reported on individual tax
returns.  Further, the IRS performs accuracy checks on these reports
before posting the data to their files. 

The income sources we used in our analyses represent the vast
majority of these veterans' family incomes.  However, our family
income analyses are not intended to provide a complete economic
measure of veterans' incomes.  This is because all income sources
were not included.  We examined tax return data relating to most of
the excluded income sources and found that approximately 12 percent
of the families in our population reported net income in excess of
$1,000 (averaging about $8,700) from these sources.  Another 5
percent of the families reported net losses in excess of $1,000
(averaging about $8,200) from these sources.  We performed some
sensitivity analyses and concluded that the distribution of incomes
shown in tables III.1 and III.2 would not change significantly.  We
expect that the distributions shown in our other tables would not
change substantially either. 

Our family income analyses, for example, excluded potentially
nonrecurring sources of unearned income, such as prizes and awards,
or unemployment compensation.  We also excluded certain nontaxable
income sources for which information returns are not available, such
as VA benefits, welfare benefits, workers compensation, and
tax-exempt interest income.  Also, the following types of taxable
income, which represent data available only from individual
taxpayers' returns, were not included in determining veterans' income
levels: 

  capital gains and losses;

  sole proprietorship income and losses;

  income or losses from partnerships, S corporations, estates,
     trusts, rents, and royalties;

  net farm income or losses; and

  alimony received. 

We also used information returns and tax records to identify
veterans' employment status.  For our analyses, we considered
veterans to be employed if they had employment income from sources
other than self-employment.  About 10 percent of these veterans
reported to the IRS that they had self-employment income but, as
noted above, this information was available only from individual
taxpayers' returns and excluded from our analyses. 

Our review relied almost entirely on computerized data from VA and
federal tax records; we could not independently verify the data.  The
Internal Revenue Code does not permit us to disclose tax data in a
form that would identify individual taxpayers.  Without such
disclosures, we could not verify specific veterans' income amounts. 
However, IRS data show that the overall payer accuracy rate for
information returns is at least 95 percent.  Therefore, we are
confident that the data are reasonably accurate for the income items
that we have included in our analysis.  Also, the Veterans Benefits
Administration has used similar tax records to detect inaccuracies in
pension beneficiaries' reported incomes and has found the records to
be very accurate based on interviews with individual veterans. 

We did our work from December 1992 through February 1994 in
accordance with generally accepted government auditing standards. 


INCOME STATUS OF VETERANS USING VA
CENTERS
========================================================== Appendix II

This appendix contains information on the income status of the 2.2
million veterans who used VA medical centers in 1991.  It shows the
total dollars of income in relation to different sources of income
and the percentage of veterans with incomes within different dollar
ranges.  Income sources are employee compensation, retirement income,
interest and dividends, and nonemployee compensation; the latter
source refers to payments such as fees or commissions paid to people
not considered to be employees for services rendered in a trade or
business. 

In general, employee compensation and retirement income accounted for
the vast majority of veterans' incomes, with slightly more retirement
income than employee compensation (see fig.  II.1).  Of the 2.2
million veterans, 10 percent had incomes of $40,000 or more,
accounting for almost 40 percent of the total income.  By contrast,
two-thirds had incomes under $20,000 (see fig.  II.2).  Also, 22
percent of the 2.2 million veterans had incomes under $5,000 (see
fig.  II.3). 

   Figure II.1:  Income Sources
   for Veterans Using VA Medical
   Centers (1991)

   (See figure in printed
   edition.)

Note:  Total income = $41.7 billion. 

   Figure II.2:  Income Ranges for
   Veterans Using VA Medical
   Centers (1991)

   (See figure in printed
   edition.)

   Figure II.3:  Veterans Using VA
   Medical Centers, Incomes Under
   $10,000 (1991)

   (See figure in printed
   edition.)

   Figure II.4:  Veterans Using VA
   Medical Centers, Incomes
   $10,000 to $19,999 (1991)

   (See figure in printed
   edition.)


INCOME LEVELS FOR VETERANS BY
DISABILITY RATING
========================================================= Appendix III

This appendix provides information on the income levels of the 1
million service-connected veterans who used VA medical centers in
1991.  It shows the percentage of veterans with incomes within
specified dollar ranges and compares their incomes to those of the
1.2 million nonservice-connected veterans.  For the service-connected
veterans, it also compares the income levels of veterans reported in
VA's patient treatment records to have disability ratings of 0, 10,
20, 30, 40, and 50 percent or more.  These ratings are intended to
represent an average earning loss a veteran would experience in
civilian occupations because of the disability. 

In general, it shows that service-connected veterans had higher
incomes, as a group, than nonservice-connected veterans (see fig. 
III.1).  Also, the incomes of service-connected veterans were more
evenly distributed among the different income levels than the incomes
of the nonservice-connected group.  However, the majority of veterans
in both groups had incomes under $20,000--58 percent of the
service-connected and 75 percent of the nonservice-connected (see
table III.1).  Moreover, incomes of 17 percent of the
service-connected were less than $5,000 compared to 28 percent of the
nonservice-connected veterans (see table III.2).  Of the 1 million
service-connected veterans, those with disability ratings between 10
percent and 40 percent had higher incomes than veterans in the 0
percent or 50 percent or more groups (see tables III.3 to III.6). 

   Figure III.1: 
   Service-Connected (SC)
   Disability Status of Veterans
   Using VA Medical Centers (1991)

   (See figure in printed
   edition.)



                         Table III.1
           
              Income Ranges of Veterans Using VA
            Medical Centers, by Disability Status
                            (1991)


                                 Service          Nonservice
Family income                connected\a           connected
--------------------  ------------------  ------------------
Under $10,000                         34                  49
$10,000-$19,999                       24                  26
$20,000-$29,999                       17                  13
$30,000-$39,999                       11                   6
$40,000 or more                       14                   6
============================================================
Total                                100                 100
------------------------------------------------------------
\a Of the 2.2 million veterans using VA facilities in 1991, almost 1
million had service-connected disabilities. 



                         Table III.2
           
              Veterans Using VA Medical Centers,
           Incomes Less Than $20,000, by Disability
                        Status (1991)


                                 Service          Nonservice
Family income                connected\a           connected
--------------------  ------------------  ------------------
Under $2,500                          11                  19
$2,500 to $4,999                       6                   9
$5,000 to $7,499                       9                  11
$7,500 to $9,999                       8                  10
Under $10,000                         34                  49
$10,000 to $12,499                     7                   8
$12,500 to $14,999                     6                   7
$15,000 to $17,499                     6                   6
$17,500 to $19,999                     5                   5
$10,000-$19,999                       24                  26
$20,000 or more                       42                  25
============================================================
Total                                100                 100
------------------------------------------------------------
\a Of the 2.2 million veterans using VA centers in 1991, almost 1
million had service-connected disabilities. 



                         Table III.3
           
           Income Ranges of Disabled Veterans Using
             VA Medical Centers, by Rating Class
                            (1991)


Family income                  0         10-40    50 or more
------------------  ------------  ------------  ------------
Under $10,000                 40            28            42
$10,000-$19,999               24            23            24
$20,000-$29,999               16            19            15
$30,000-$39,999                9            13             9
$40,000 or more               12            18            11
============================================================
Total                      100\b         100\b         100\b
------------------------------------------------------------
\a Of the disabled veterans using VA centers in 1991, about 170,000
had 0 percent ratings; about 500,000 had ratings of 10 to 40 percent;
and 300,000 had ratings of 50 percent or more. 

\b Percentages do not add to 100 due to rounding. 



                         Table III.4
           
           Income Ranges of Disabled Veterans Using
              VA Medical Centers, by All Rating
                        Classes (1991)


                                                          50
                                                   10-    or
Family income          0    10    20    30    40    40  more
------------------  ----  ----  ----  ----  ----  ----  ----
Under $10,000         40    29    26    29    26    28    42
$10,000-$19,999       24    23    23    23    24    23    24
$20,000-$29,999       16    18    19    18    19    19    15
$30,000-$39,999        9    12    13    12    13    13     9
$40,000 or more       12    17    19    17    18    18    11
============================================================
Total               100\  100\   100  100\   100  100\  100\
                       b     b           b           b     b
------------------------------------------------------------
\a Of the disabled veterans using VA centers in 1991, about 170,000
had 0 percent ratings, about 500,000 had ratings of 10 to 40 percent,
and 300,000 had ratings of 50 percent or more. 

\b Percentages do not add to 100 due to rounding. 



                         Table III.5
           
               Income Ranges Less Than $20,000,
              Disabled Veterans Using VA Medical
               Centers, by Rating Class (1991)


Family income                  0         10-40    50 or more
------------------  ------------  ------------  ------------
Under $2,500                  14            10            13
$2,500 to $4,999               7             5             7
$5,000 to $7,499              10             7            12
$7,500 to $9,999               8             7            10
Under $10,000               40\b          28\b            42
$10,000 to $12,499             7             6             7
$12,500 to $14,999             6             6             6
$15,000 to $17,499             6             6             6
$17,500 to $19,999             5             6             5
$10,000-$19,999               24          23\b            24
$20,000 or more               36            49            35
============================================================
Total                        100           100         100\b
------------------------------------------------------------
\a Of the disabled veterans using VA centers in 1991, about 170,000
had 0 percent ratings, about 500,000 had ratings of 10 to 40 percent,
and 300,000 had ratings of 50 percent or more. 

\b Percentages do not add due to rounding. 



                         Table III.6
           
               Income Ranges Less Than $20,000,
              Disabled Veterans Using VA Medical
            Centers, by All Rating Classes (1991)


                                                          50
                                                   10-    or
Family income          0    10    20    30    40    40  more
------------------  ----  ----  ----  ----  ----  ----  ----
Under $2,500          14    10     9    10     9    10    13
$2,500 to $4,999       7     5     5     5     5     5     7
$5,000 to $7,499      10     7     6     7     7     7    12
$7,500 to $9,999       8     7     6     7     6     7    10
Under $10,000       40\b    29    26    29  26\b  28\b    42
$10,000 to $12,499     7     6     6     6     6     6     7
$12,500 to $14,999     6     6     6     6     6     6     6
$15,000 to $17,499     6     6     6     6     6     6     6
$17,500 to $19,999     5     6     5     6     6     6     5
$10,000-$19,999       24  23\b    23  23\b    24  23\b    24
$20,000 or more       36    48    51    48    50    49    35
============================================================
Total                100   100   100   100   100   100  100\
                                                           b
------------------------------------------------------------
\a Of the disabled veterans using VA centers in 1991, about 170,000
had 0 percent ratings, about 500,000 had ratings of 10 to 40 percent,
and 300,000 had ratings of 50 percent or more. 

\b Percentages do not add due to rounding. 


INCOME LEVELS FOR VETERANS BY
INCOME SOURCE
========================================================== Appendix IV

This appendix contains information on the income sources of the 2.2
million veterans who used VA medical centers in 1991.  It shows the
percentage of veterans who had income from each source and the
percentage of veterans with income from each source within different
dollar ranges. 

In general, it shows that the majority of veterans have retirement
income and interest and dividends, while almost half have employee
compensation (see figure IV.1).  Of the 1 million veterans with
earnings from employment, more than two-thirds had less than $20,000
in employee compensation (see table IV.1).  Most veterans had less
than $10,000 in retirement, interest and dividends, and nonemployee
compensation. 

Almost 70 percent of the service-connected veterans have retirement
income and interest and dividends compared to less than 55 percent of
the nonservice-connected veterans (see figure IV.2).  However,
service-connected and nonservice-connected veterans generally receive
higher levels of income from employee compensation than they receive
from any other source (see table IV.2).  More veterans in the 50
percent or more disability rating group have retirement income, as
well as interest and dividends, than veterans in the other rating
groups (see tables IV.3 and IV.4). 

   Figure IV.1:  Income Sources
   for Veterans Using VA Medical
   Centers (1991)

   (See figure in printed
   edition.)

Note:  Veterans = 2.2 million. 



                          Table IV.1
           
             Income Sources for Veterans Using VA
           Medical Centers, by Income Levels (1991)


                                        Interest  Nonemploye
                    Employee                   &           e
                  compensati  Retireme  dividend  compensati
Range by source           on        nt         s          on
----------------  ----------  --------  --------  ----------
Under $10,000             43        54        93          82
$10,000 to                25        32         5           9
 $19,999
$20,000 to                14         9         1           4
 $29,999
$30,000 to                 9         3         1           2
 $39,999
$40,000 or more            9         2         1           3
============================================================
Total                    100       100     100\b         100
------------------------------------------------------------
\a Of the 2.2 million veterans using VA centers in 1991, about 1
million veterans (and spouses) had employee compensation, about 1.3
million had retirement income, almost 1.3 million had interest and
dividend income, and about 232,000 had nonemployee compensation. 

\b Percentages do not add to 100 due to rounding. 

   Figure IV.2:  Income Sources
   for Veterans Using VA Medical
   Centers, by Disability Status
   (1991)

   (See figure in printed
   edition.)

Note:  SC = service connected; NSC = nonservice connected. 



                                    Table IV.2
                     
                       Income Sources for Veterans Using VA
                        Medical Centers, by Income Level,
                       Source, and Disability Status (1991)



Range by
source         SC      NSC       SC      NSC       SC      NSC       SC      NSC
--------  -------  -------  -------  -------  -------  -------  -------  -------
Under          37       48       49       59       90       95       83       82
 $10,000
$10,000-       23       27       33       31        6        3        9       10
 $19,999
$20,000-       16       13       12        7        2        1        3        3
 $29,999
$30,000-       12        6        4        2        1        1        2        2
 $39,999
$40,000        13        6        3        1        1        1        3        3
 or more
================================================================================
Total       100\e      100    100\e      100      100    100\e      100      100
--------------------------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 1 million veterans (and spouses) who had employee
compensation, about 456,000 had service-connected disabilities. 

\b Of the 1.3 million who had retirement income, about 653,000 had
service-connected disabilities. 

\c Of the 1.3 million who had interest and dividend income, about
662,000 had service-connected disabilities. 

\d Of the 232,000 who had nonemployee compensation, about 102,000 had
service-connected disabilities. 

\e Percentages do not add to 100 due to rounding. 



                          Table IV.3
           
             Income Sources for Service-Connected
            Veterans Using VA Medical Centers, by
                     Rating Class (1991)


                                                       50 or
Type of income                         0  10 to 40      more
------------------------------  --------  --------  --------
Employee compensation                 47        55        35
Retirement                            64        65        75
Interest/dividends                    60        69        74
Nonemployee compensation              11        12         8
------------------------------------------------------------


                          Table IV.4
           
             Income Sources for Service-Connected
            Veterans Using VA Medical Centers, by
                  All Rating Classes (1991)


                                                    10    50
                                                    to    or
Type of income         0    10    20    30    40    40  more
------------------  ----  ----  ----  ----  ----  ----  ----
Employee              47    56    57    53    52    55    35
 compensation
Retirement            64    61    63    68    71    65    75
Interest/             60    67    69    69    72    69    74
 dividends
Nonemployee           11    12    12    11    12    12     8
 compensation
------------------------------------------------------------

INCOME LEVELS FOR VETERANS BY
MARITAL STATUS
=========================================================== Appendix V

This appendix contains information on the income levels of the 1.3
million single veterans and the 900,000 married veterans who used VA
medical centers in 1991.  It shows the total dollars of income for
these veterans and the percentage of veterans with incomes within
different dollar ranges. 

In general, married veterans had higher incomes than single veterans. 
For example, married veterans accounted for 40 percent of all
veterans and 65 percent of total incomes (see fig.  V.1).  Almost 90
percent of the single veterans had incomes under $20,000 compared to
35 percent of the married veterans (see table V.1).  Moreover, 62
percent of the single veterans had incomes under $10,000; whereas, 10
percent of the married had incomes under $10,000 (see table V.2). 
For both single and married veterans, nonservice-connected veterans'
incomes were generally lower than those for service-connected
veterans (see tables V.3 and V.4). 

   Figure V.1:  Marital Status of
   Veterans Using VA Medical
   Centers (1991)

   (See figure in printed
   edition.)



                          Table V.1
           
              Income Ranges of Veterans Using VA
              Medical Centers, by Marital Status
                            (1991)


Family income                     Single             Married
--------------------  ------------------  ------------------
Under $10,000                         62                  10
$10,000-$19,999                       25                  25
$20,000-$29,999                        8                  27
$30,000-$39,999                        3                  16
$40,000 or more                        2                  21
============================================================
Total                                100               100\b
------------------------------------------------------------
\a Of the 2.2 million veterans using VA centers, about 1.3 million
were single. 

\b Percentages do not add to 100 due to rounding. 



                          Table V.2
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
                    Marital Status (1991)


Family income                     Single             Married
--------------------  ------------------  ------------------
Under $2,500                          24                   3
$2,500 to $4,999                      11                   2
$5,000 to $7,499                      15                   2
$7,500 to $9,999                      12                   4
Under $10,000                         62                10\b
$10,000 to $12,499                     9                   5
$12,500 to $14,999                     7                   6
$15,000 to $17,499                     5                   7
$17,500 to $19,999                     4                   8
$10,000-$19,999                       25                25\b
$20,000 or more                      12\                  64
============================================================
Total                              100\b               100\b
------------------------------------------------------------
\a Of the 2.2 million veterans using VA centers, about 1.3 million
were single. 

\b Percentages do not add due to rounding. 



                          Table V.3
           
              Income Ranges of Veterans Using VA
               Medical Centers, by Marital and
                   Disability Status (1991)



Family income               SC       NSC        SC       NSC
--------------------  --------  --------  --------  --------
Under $10,000               58        65         8        14
$10,000-$19,999             26        24        21        30
$20,000-$29,999              9         7        26        28
$30,000-$39,999              4         2        18        14
$40,000 or more              3         2        27        15
============================================================
Total                      100       100       100     100\c
------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 1.34 million single veterans using VA centers, about
508,000 had service-connected disabilities. 

\b Of the 855,000 married veterans using VA centers, about 456,000
had service-connected disabilities. 

\c Percentages do not add to 100 due to rounding. 



                          Table V.4
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
             Marital and Disability Status (1991)



Family income               SC       NSC        SC       NSC
--------------------  --------  --------  --------  --------
Under $2,500                20        26         2         4
$2,500 to $4,999            10        12         1         2
$5,000 to $7,499            15        15         2         3
$7,500 to $9,999            12        12         3         5
Under $10,000             58\c        65         8        14
$10,000 to $12,499           9         9         4         6
$12,500 to $14,999           7         7         5         7
$15,000 to $17,499           6         5         6         8
$17,500 to $19,999           4         4         7         9
$10,000-$19,999             26      24\c      21\c        30
$20,000 or more             16        10        71        56
============================================================
Total                      100     100\c       100       100
------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 1.34 million single veterans using VA centers, about
508,000 had service-connected disabilities. 

\b Of the 855,000 married veterans using VA centers, about 456,000
had service-connected disabilities. 

\c Percentages do not add due to rounding. 


INCOME LEVELS FOR VETERANS BY AGE
========================================================== Appendix VI

This appendix provides information on the income levels of the 2.2
million veterans who used VA medical centers in 1991, by three age
groups--54 years of age and under, ages 55 to 64, and age 65 and
older.  It shows the total dollars of income for veterans in these
age groups and the percentage of veterans with incomes within
different dollar ranges.  Also, it compares income levels for
service-connected and nonservice-connected veterans within the
groups. 

In general, veterans aged 65 and older were the largest age group and
had higher incomes than the other two age groups (see fig.  VI.1). 
About two-thirds of the veterans in each group had incomes under
$20,000 (see table VI.1).  However, more than 20 percent of the
veterans under age 65 had incomes under $2,500 compared to 6 percent
of those aged 65 and older (see table VI.2).  Within each age group,
service-connected veterans had generally higher incomes than
nonservice-connected veterans (see tables VI.3 and VI.4). 

   Figure VI.1:  Age Ranges of
   Veterans Using VA Medical
   Centers (1991)

   (See figure in printed
   edition.)



                          Table VI.1
           
              Income Ranges of Veterans Using VA
             Medical Centers, by Age Group (1991)


Family income           Under 55         55-64   65 or older
------------------  ------------  ------------  ------------
Under $10,000                 47            45            37
$10,000 to $19,999            22            23            29
$20,000 to $29,999            13            14            18
$30,000 to $39,999             8             8             8
$40,000 or more               10            11             9
============================================================
Total                        100         100\b         100\b
------------------------------------------------------------
\a Of the 2.2 million veterans using VA centers, 831,000 were under
55 years of age; 473,000 were between 55 and 64 years of age; and
897,000 were 65 or older. 

\b Percentages do not add to 100 due to rounding. 



                          Table VI.2
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
                       Age Group (1991)


Family income           Under 55         55-64   65 or older
------------------  ------------  ------------  ------------
Under $2,500                  23            21             6
$2,500 to $4,999               7             6             9
$5,000 to $7,499               9             9            12
$7,500 to $9,999               8             9            10
Under $10,000                 47            45            37
$10,000 to $12,499             7             7             8
$12,500 to $14,999             6             6             8
$14,500 to $17,499             5             5             7
$17,500 to $19,999             4             5             6
$10,000 to $19,999            22            23            29
$20,000 or more               31            32            34
============================================================
Total                        100          100\           100
------------------------------------------------------------
\a Of the 2.2 million veterans using VA centers, 831,000 were under
55 years of age; 473,000 were between 55 and 64 years of age; and
897,000 were 65 or older. 



                          Table VI.3
           
              Income Ranges of Veterans Using VA
              Medical Centers, by Age Group and
                   Disability Status (1991)



Family income          SC    NSC     SC    NSC     SC    NSC
------------------  -----  -----  -----  -----  -----  -----
Under $10,000          40     52     35     52     29     43
$10,000-$19,999        20     24     21     24     28     30
$20,000-$29,999        14     12     15     13     20     16
$30,000-$39,999        11      6     11      6     10      6
$40,000 or more        15      6     18      6     12      5
============================================================
Total                 100    100    100  100\d  100\d    100
------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 831,000 veterans under 55 years of age, about 368,000 had
service-connected disabilities. 

\b Of the 473,000 veterans between 55 and 64 years of age, about
172,000 had service-connected disabilities. 

\c Of the 897,000 veterans aged 65 or older, about 425,000 had
service-connected disabilities. 

\d Percentages do not add to 100 due to rounding. 



                          Table VI.4
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
            Age Group and Disability Status (1991)



Family income          SC    NSC     SC    NSC     SC    NSC
------------------  -----  -----  -----  -----  -----  -----
Under $2,500           18     26     14     25      5      8
$2,500 to $4,999        6      8      5      7      7     10
$5,000 to $7,499        9      9      8     10     10     14
$7,500 to $9,999        8      8      8     10      8     11
Under $10,000        40\d   52\d     35     52   29\d     43
$10,000 to $12,499      6      8      6      7      7      9
$12,500 to $14,999      5      6      5      6      7      8
$15,000 to $17,499      5      5      5      6      7      7
$17,500 to $19,999      4      4      5      5      7      6
$10,000-$19,999        20   24\d     21     24     28     30
$20,000 or more        40     24     45     25     43     26
============================================================
Total                 100    100  100\d  100\d    100  100\d
------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 831,000 veterans under 55 years of age, about 368,000 had
service-connected disabilities. 

\b Of the 473,000 veterans between 55 and 64 years of age, about
172,000 had service-connected disabilities. 

\c Of the 897,000 veterans aged 65 or older, about 425,000 had
service-connected disabilities. 

\d Percentages do not add due to rounding. 


INCOME LEVELS FOR VETERANS BY USE
OF INPATIENT SERVICES
========================================================= Appendix VII

This appendix contains information on the income levels of the
555,000 veterans who used VA inpatient medical centers in 1991. 
Veterans are classified into one of these groups based on their
inpatient care usage rates, expressed in days.  The three groups are
short-term usage (1 to 7 days), intermediate usage (8 to 21 days),
and long-term usage (more than 21 days).  This appendix shows the
total dollars of income for veterans in the three groups and the
percentage of veterans with incomes within different dollar ranges. 
Also, it compares income levels for service-connected and
nonservice-connected veterans with each usage group; inpatient care
for service-connected veterans includes treatment for
service-connected disabilities and conditions unrelated to military
service. 

Of the 555,000 veterans who used VA inpatient medical centers, more
than half had short-term usage rates (see fig.  VII.1).  The incomes
of veterans in the three usage groups was skewed toward the lower
income levels (see tables VII.1 and VII.2).  The incomes of
service-connected veterans were generally higher than
nonservice-connected veterans within each group (see tables VII.3 and
VII.4). 

   Figure VII.1:  Veterans' Use of
   VA Inpatient Medical Services
   (1991)

   (See figure in printed
   edition.)

Notes:  Short-term usage = 1 to 7 days.  Intermediate usage = 8 to 21
days.  Long-term usage = more than 21 days. 



                         Table VII.1
           
              Income Ranges of Veterans Using VA
             Medical Centers, by Inpatient Usage
                         Rates (1991)


Family income         Short-term  Intermediate     Long-term
------------------  ------------  ------------  ------------
Under $10,000                 50            55            60
$10,000 to $19,999            26            25            22
$20,000 to $29,999            13            12            10
$30,000 to $39,999             6             5             4
$40,000 or more                6             4             4
============================================================
Total                      100\b         100\b           100
------------------------------------------------------------
\a Of the 555,000 veterans, 289,000 had short-term usage rates;
154,000 had intermediate usage rates; and 112,000 had long-term usage
rates. 

\b Percentages do not add to 100 due to rounding. 



                         Table VII.2
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
                 Inpatient Usage Rates (1991)


Family income         Short-term  Intermediate     Long-term
------------------  ------------  ------------  ------------
Under $2,500                  18            20            23
$2,500 to $4,999               9            10            11
$5,000 to $7,499              12            14            15
$7,500 to $9,999              11            11            11
Under $10,000                 50            55            60
$10,000 to $12,499             8             8             8
$12,500 to $14,999             7             7             6
$15,000 to $17,499             6             5             5
$17,500 to $19,999             5             5             4
$10,000 to $19,999            26            25            23
$20,000 or more               24            20            17
============================================================
Total                        100           100           100
------------------------------------------------------------
\a Of the 555,000 veterans, 289,000 had short-term usage rates;
154,000 had intermediate usage rates; and 112,000 had long-term usage
rates. 



                         Table VII.3
           
              Income Ranges of Veterans Using VA
             Medical Centers, by Inpatient Usage
              Rates and Disability Status (1991)



Family income          SC    NSC     SC    NSC     SC    NSC
------------------  -----  -----  -----  -----  -----  -----
Under $10,000          43     55     50     58     56     62
$10,000-$19,999        26     26     25     24     23     22
$20,000-$29,999        15     11     13     10     11      9
$30,000-$39,999         8      4      6      4      5      4
$40,000 or more         8      4      6      3      5      3
============================================================
Total                 100    100    100  100\d    100    100
------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 289,000 short-term users, about 120,000 had
service-connected disabilities. 

\b Of the 154,000 intermediate users, about 60,000 had
service-connected disabilities. 

\c Of the 112,000 long-term users, about 42,000 had service-connected
disabilities. 

\d Percentages do not add to 100 due to rounding. 



                         Table VII.4
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
             Inpatient Usage Rates and Disability
                        Status (1991)



Family income          SC    NSC     SC    NSC     SC    NSC
------------------  -----  -----  -----  -----  -----  -----
Under $2,500           14     21     16     23     20     24
$2,500 to $4,999        8     10      9     11     10     12
$5,000 to $7,499       11     13     14     14     15     15
$7,500 to $9,999       10     11     11     11     11     11
Under $10,000          43     55     50   58\d     56     62
$10,000 to $12,499      8      8      8      8      7      8
$12,500 to $14,999      7      7      6      7      6      6
$15,000 to $17,499      6      6      6      5      5      5
$17,500 to $19,999      5      5      5      4      4      4
$10,000-$19,999        26     26     25     24   23\d   22\d
$20,000 or more        31     19     25     17     21     16
============================================================
Total                 100    100    100  100\d    100    100
------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 289,000 short-term users, about 120,000 had
service-connected disabilities. 

\b Of the 154,000 intermediate users, about 60,000 had
service-connected disabilities. 

\c Of the 112,000 long-term users, about 42,000 had service-connected
disabilities. 

\d Percentages do not add due to rounding. 


INCOME LEVELS FOR VETERANS BY USE
OF OUTPATIENT SERVICES
======================================================== Appendix VIII

This appendix contains information on the income levels of the almost
2.2 million veterans who used VA outpatient medical services in 1991. 
Veterans are classified into one of three groups based on the number
of outpatient care visits.  The groups are infrequent usage (one to
two visits), moderate usage (three to six visits), and frequent usage
(more than six visits).  This appendix shows the total dollars of
income for veterans in the three groups and the percentage of
veterans with incomes within different dollar ranges.  Also, it
compares income levels for service-connected and nonservice-connected
veterans in each usage group; outpatient care provided to
service-connected veterans includes treatment for service-connected
disabilities and conditions unrelated to military service. 

Of the almost 2.2 million veterans who used VA outpatient services,
about 60 percent had between one and six outpatient clinic visits
(see figure VIII.1).  The incomes of these veterans in each
outpatient usage group showed a similar distribution pattern, which
was skewed toward the lower income levels (see tables VIII.1 and
VIII.2).  The incomes of service-connected veterans were generally
higher than nonservice-connected veterans within each usage group
(see tables VIII.3 and VIII.4). 

   Figure VIII.1:  Veterans' Use
   of VA Outpatient Medical
   Services (1991)

   (See figure in printed
   edition.)

Notes:  Infrequent usage = 1-2 visits.  Moderate usage = 3-6 visits. 
Frequent usage = more than 6 visits. 



                         Table VIII.1
           
              Income Ranges of Veterans Using VA
             Medical Centers, by Outpatient Usage
                         Rates (1991)


Family income         Infrequent      Moderate      Frequent
------------------  ------------  ------------  ------------
Under $10,000                 40            41            45
$10,000 to $19,999            24            26            26
$20,000 to $29,999            15            15            14
$30,000 to $39,999             9             8             7
$40,000 or more               12            10             8
============================================================
Total                        100           100           100
------------------------------------------------------------
\a Of the 2.2 million veterans, 630,000 had infrequent usage rates;
659,000 had moderate usage rates; and 896,000 had frequent usage
rates. 



                         Table VIII.2
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
                Outpatient Usage Rates (1991)


Family income         Infrequent      Moderate      Frequent
------------------  ------------  ------------  ------------
Under $2,500                  16            15            16
$2,500 to $4,999               7             7             8
$5,000 to $7,499               9            10            12
$7,500 to $9,999               8             9            10
Under $10,000                 40            41          45\b
$10,000 to $12,499             7             7             8
$12,500 to $14,999             6             7             7
$15,000 to $17,499             6             6             6
$17,500 to $19,999             5             5             5
$10,000 to $19,999            24          26\b            26
$20,000 or more               36            33            29
============================================================
Total                        100           100           100
------------------------------------------------------------
\a Of the 2.2 million veterans, 630,000 had infrequent usage rates,
659,000 had moderate usage rates, and 896,000 had frequent usage
rates. 

\b Percentages do not add due to rounding. 



                         Table VIII.3
           
              Income Ranges of Veterans Using VA
             Medical Centers, by Outpatient Usage
              Rates and Disability Status (1991)



Family income          SC    NSC     SC    NSC     SC    NSC
------------------  -----  -----  -----  -----  -----  -----
Under $10,000          30     45     32     48     38     52
$10,000-$19,999        21     25     23     27     25     27
$20,000-29,999         17     14     17     14     16     12
$30,000-$39,999        13      7     12      6      9      5
$40,000 or more        19      8     16      5     11      4
============================================================
Total                 100  100\d    100    100    100    100
------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 630,000 infrequent users, about 226,000 had
service-connected disabilities. 

\b Of the 659,000 moderate users, about 283,000 had service-connected
disabilities. 

\c Of the 896,000 frequent users, about 449,000 had service-connected
disabilities. 

\d Percentages do not add to 100 due to rounding. 



                         Table VIII.4
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
            Outpatient Usage Rates and Disability
                        Status (1991)



Family income          SC    NSC     SC    NSC     SC    NSC
------------------  -----  -----  -----  -----  -----  -----
Under $2,500           11     19     11     18     12     19
$2,500 to $4,999        5      8      6      9      6      9
$5,000 to $7,499        7     10      8     11     10     13
$7,500 to $9,999        6      8      7     10      9     11
Under $10,000        30\d     45     32     48     38     52
$10,000 to $12,499      6      8      6      8      7      8
$12,500 to $14,999      5      7      6      7      6      7
$15,000 to $17,499      5      6      6      6      6      6
$17,500 to $19,999      5      5      5      5      5      5
$10,000-$19,999        21   25\d     23   27\d   25\d   27\d
$20,000 or more        49     29     45     25     37     22
============================================================
Total                 100  100\d    100    100    100  100\d
------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 630,000 infrequent users, about 226,000 had
service-connected disabilities. 

\b Of the 659,000 moderate users, about 283,000 had service-connected
disabilities. 

\c Of the 896,000 frequent users, about 449,000 had service-connected
disabilities. 

\d Percentages do not add due to rounding. 


INCOME LEVELS FOR VETERANS BY
EMPLOYMENT STATUS
========================================================== Appendix IX

This appendix contains information on the income levels of the 2.2
million veterans who used VA medical centers in 1991, based on their
employment status.  Employment status includes employed veterans
(those receiving employee compensation); retired veterans (those
receiving pension or retirement income but no employee compensation);
and other veterans who have no pension or retirement income or
employee compensation, but who may have income from sources not
included in our analysis, such as self-employment income.  This
appendix shows the total dollars of employee compensation for
veterans and their spouses and the percentage of veterans (and
spouses) with incomes within different dollar ranges.  Also, it
compares income levels for veterans in the three groups by disability
rating and marital status. 

About 40 percent of the 2.2 million veterans were employed, and they
had about 50 percent of the total income (see fig.  IX.1).  The
percentages of service-connected and nonservice-connected veterans
who are employed were roughly equal (see fig.  IX.2).  Of the 1
million service-connected veterans, more veterans in the 10 percent
to 40 percent groups were employed, but more veterans in the 50
percent or more group were retired than those in other groups (see
tables IX.1 and IX.2). 

Of the employed veterans, married veterans with employed spouses had
significantly higher incomes than single veterans or married veterans
when only the veteran or spouse was employed (see tables IX.3 and
IX.4).  Of the employed veterans, those with service-connected
disabilities generally had higher incomes than nonservice-connected
veterans (see tables IX.5 and IX.6). 

   Figure IX.1:  Employment Status
   of Veterans Using VA Medical
   Centers (1991)

   (See figure in printed
   edition.)

   Figure IX.2:  Employment Status
   of Veterans Using VA Medical
   Centers, by Disability Status
   (1991)

   (See figure in printed
   edition.)



                          Table IX.1
           
            Employment Status of Veterans Using VA
           Medical Centers, by Rating Class (1991)


Employment status              0      10 to 40    50 or more
------------------  ------------  ------------  ------------
Employed                      39            47            24
Retired                       48            44            62
Other                         13            10            15
============================================================
Total                        100         100\b         100\b
------------------------------------------------------------
\a Of the disabled veterans using VA facilities in 1991, about
170,000 had 0 percent ratings; about 500,000 had ratings of 10-40
percent; and 300,000 had ratings of 50 percent or more. 

\b Percentages do not add to 100 due to rounding. 



                          Table IX.2
           
            Employment Status of Veterans Using VA
            Medical Centers, by All Rating Classes
                            (1991)


                                                    10    50
                                                    to    or
Employment status      0    10    20    30    40    40  more
------------------  ----  ----  ----  ----  ----  ----  ----
Employed              39    48    49    44    42    47    24
Retired               48    42    41    46    49    44    62
Other                 13    10     9    10     9    10    15
============================================================
Total                100   100  100\   100   100  100\  100\
                                   b                 b     b
------------------------------------------------------------
\a Of the disabled veterans using VA facilities in 1991, about
170,000 had 0 percent ratings; about 500,000 had ratings of 10-40
percent; and 300,000 had ratings of 50 percent or more. 

\b Percentages do not add to 100 due to rounding. 



                          Table IX.3
           
              Income Ranges of Veterans Using VA
            Medical Centers, by Marital Status and
                   Employment Status (1991)


                                                     Married
                                           Married   veteran
Employee                Single   Married  veteran'       and
compensation           veteran   veteran  s spouse    spouse
--------------------  --------  --------  --------  --------
Under $10,000               56        43        50        12
$10,000 to $19,999          25        24        31        22
$20,000 to $29,999          11        16        12        21
$30,000 to $39,999           5        10         4        18
$40,000 or more              3         7         2        27
============================================================
Total                      100       100     100\b       100
------------------------------------------------------------
\a Of the 2.2 million veterans, about 875,000 were employed,
including 474,000 (54 percent) who were single and 400,000 (or about
46 percent) who were married.  Of the more than 400,000 married
employed veterans, 235,000 (or about 59 percent) had a spouse who was
also employed.  In addition, of the 329,000 unemployed veterans,
173,000 married veterans (or about 53 percent) were unemployed but
had a spouse who was employed. 

\b Percentages do not add to 100 due to rounding. 



                          Table IX.4
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Centers, by Marital
             Status and Employment Status (1991)


                                                     Married
                                           Married   veteran
Employee                Single   Married  veteran'       and
compensation           veteran   veteran  s spouse    spouse
--------------------  --------  --------  --------  --------
Under $2,500                24        15        15         2
$2,500 to $4,999            13        10        11         3
$5,000 to $7,499            11        10        12         4
$7,500 to $9,999             9         8        11         4
Under $10,000             56\b        43      50\b      12\b
$10,000 to $12,499           8         7        10         5
$12,500 to $14,999           7         6         8         5
$15,000 to $17,499           6         6         7         6
$17,500 to $19,999           5         5         6         6
$10,000 to $19,999        25\b        24        31        22
$20,000 or more             18        33        19        66
============================================================
Total                    100\b       100       100       100
------------------------------------------------------------
\a Of the 2.2 million veterans, about 875,000 were employed,
including 474,000 (54 percent) who were single and 400,000 (or about
46 percent) who were married.  Of the more than 400,000 married
employed veterans, 235,000 (or about 59 percent) had a spouse who was
also employed.  In addition, of the 329,000 unemployed veterans,
173,000 married veterans (or about 53 percent) were unemployed but
had a spouse who was employed. 

\b Percentages do not add due to rounding. 



                                    Table IX.5
                     
                        Income Ranges of Veterans Using VA
                     Medical Centers, by Marital, Employment,
                           and Disability Status (1991)



Employee
compensa
tion           SC      NSC       SC      NSC       SC      NSC       SC      NSC
--------  -------  -------  -------  -------  -------  -------  -------  -------
Under          51       59       38       47       47       53       10       15
 $10,000
$10,000-       24       26       21       27       30       32       17       26
 $19,999
$20,000-       13       10       18       15       14       10       20       23
 $29,999
$30,000-        7        4       14        6        6        3       20       16
 $39,999
$40,000         4        2        9        4        3        2       34       19
 or more
================================================================================
Total       100\e    100\e      100    100\e      100      100    100\e    100\e
--------------------------------------------------------------------------------
Note:  SC = service connected; NSC nonservice connected. 

\a Of the 474,000 single employed veterans, about 160,000 had a
service-connected disability. 

\b Of the 165,000 married employed veterans, about 82,000 had a
service-connected disability. 

\sc Of the 173,000 married unemployed veterans whose spouses were
employed, about 87,000 had a service-connected disability. 

\d Of the 235,000 married employed veterans whose spouses were also
employed, about 126,000 had a service-connected disability. 

\e Percentages do not add to 100 due to rounding. 



                                    Table IX.6
                     
                         Income Ranges Less Than $20,000,
                      Veterans Using VA Medical Centers, by
                       Marital, Employment, and Disability
                                  Status (1991)



Employee
compensa
tion           SC      NSC       SC      NSC       SC      NSC       SC      NSC
--------  -------  -------  -------  -------  -------  -------  -------  -------
Under          22       24       14       15       15       16        2        2
 $2,500
$2,500         12       14        9       11       10       12        2        3
 to
 $4,999
$5,000          9       11        8       11       11       13        3        4
 to
 $7,499
$7,500          8       10        7        9       10       12        3        6
 to
 $9,999
Under          51       59       38     47\e     47\e       53       10       15
 $10,000
$10,000         7        9        5        8        9       10        4        6
 to
 $12,499
$12,500         6        7        5        7        8        9        4        7
 to
 $14,999
$15,000         6        6        5        6        7        7        4        7
 to
 $17,499
$17,500         5        4        5        6        6        5        5        7
 to
 $19,999
$10,000-       24       26     21\e       27       30     32\e       17     26\e
 $19,999
$20,000        25       15       41       26       23       15       73       58
 or more
================================================================================
Total         100      100      100      100      100      100      100    100\e
--------------------------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Of the 474,000 single employed veterans, about 160,000 had a
service-connected disability. 

\b Of the 165,000 married employed veterans, about 82,000 had a
service-connected disability. 

\c Of the 173,000 married unemployed veterans whose spouses were
employed, about 87,000 had a service-connected disability. 

\d Of the 235,000 married employed veterans whose spouses were also
employed, about 126,000 had a service-connected disability. 

\e Percentages do not add due to rounding. 


INCOME LEVELS FOR VETERANS BY
FAMILY SIZE
=========================================================== Appendix X

This appendix contains information on the income levels of the 2.2
million veterans who used VA medical centers in 1991, based on their
family size.  It shows the total dollars of income for veterans with
dependents and those without dependents.  For each group, it shows
the percentage of veterans with incomes within specified dollar
ranges.  Also, it compares income levels for these groups by
disability rating and marital status. 

In general, veterans with dependents had higher total income than
veterans without dependents (see fig.  X.1).  Single veterans without
dependents had significantly lower incomes than single veterans with
dependents or married veterans (see tables X.1 and X.2). 
Service-connected veterans generally had higher incomes than
nonservice-connected veterans within each group (see tables X.3 and
X.4). 

   Figure X.1:  Family Status of
   Veterans Using VA Medical
   Centers (1991)

   (See figure in printed
   edition.)

Note:  Spouses are not included for married veterans. 



                          Table X.1
           
              Income Ranges of Veterans Using VA
           Medical Centers, by Family Class (1991)


                                Married\
Family income           Single         c    Single   Married
--------------------  --------  --------  --------  --------
Under $10,000               30        14        64         9
$10,000 to $19,999          35        24        24        26
$20,000 to $29,999          18        22         7        29
$30,000 to $39,999          10        16         2        16
$40,000 or more              6        25         2        20
============================================================
Total                    100\d     100\d     100\d       100
------------------------------------------------------------
\a Of the 2.2 million veterans, about 353,000 had one or more
dependents, including 76,000 single veterans and 276,000 married
veterans. 

\b Of the more than 1.8 million veterans without dependents, about
1.3 million were single and about 580,000 were married. 

\c Spouses are not included for married veterans. 

\d Percentages do not add to 100 due to rounding. 



                          Table X.2
           
               Income Ranges Less Than $20,000,
            Veterans Using VA Medical Centers, by
                     Family Class (1991)


                                Married\
Family income           Single         c    Single   Married
--------------------  --------  --------  --------  --------
Under $2,500                 7         4        25         2
$2,500 to $4,999             6         2        11         1
$5,000 to $7,499             8         3        16         2
$7,500 to $9,999             9         4        12         3
Under $10,000               30      14\d        64       9\d
$10,000 to $12,499          10         5         9         5
$12,500 to $14,999           9         6         7         6
$14,500 to $17,499           9         6         5         7
$17,500 to $19,999           7         6         4         8
$10,000 to $19,999          35        23      24\d        26
$20,000 or more             35        63       11\        65
============================================================
Total                      100       100     100\d       100
------------------------------------------------------------
\a Of the 2.2 million veterans, about 353,000 had one or more
dependents, including 76,000 single veterans and 276,000 married
veterans. 

\b Of the more than 1.8 million veterans without dependents, about
1.3 million were single and about 580,000 were married. 

\c Spouses are not included for married veterans. 

\d Percentages do not add due to rounding. 



                                    Table X.3
                     
                        Income Ranges of Veterans Using VA
                       Medical Centers, by Family Class and
                             Disability Status (1991)



Family
income         SC      NSC       SC      NSC       SC      NSC       SC      NSC
--------  -------  -------  -------  -------  -------  -------  -------  -------
Under          25       34       10       17       60       67        6       12
 $10,000
$10,000-       31       38       20       28       26       24       22       31
 $19,999
$20,000-       21       17       21       23        8        6       28       30
 29,999
$30,000-       14        7       18       14        3        2       18       14
 $39,999
$40,000        10        5       31       18        3        1       25       13
 or more
================================================================================
Total       100\f    100\f      100      100      100      100    100\f      100
--------------------------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Spouses are not included for married veterans. 

\b Of the 76,000 single veterans with one or more dependents, about
30,000 had a service-connected disability. 

\c Of the 276,000 married veterans with one or more dependents, about
149,000 had a service-connected disability. 

\d Of the 1.3 million single veterans with no dependents, about
479,000 had a service-connected disability. 

\e Of the 579,000 married veterans with no dependents, about 307,000
had a service-connected disability. 

\f Percentages do not add to 100 due to rounding. 



                                    Table X.4
                     
                         Income Ranges Less Than $20,000,
                      Veterans Using VA Medical Centers, by
                        Family Class and Disability Status
                                      (1991)



Family
income         SC      NSC       SC      NSC       SC      NSC       SC      NSC
--------  -------  -------  -------  -------  -------  -------  -------  -------
Under           6        8        3        5       21       27        1        3
 $2,500
$2,500          5        7        2        3       10       12        1        2
 to
 $4,999
$5,000          6        9        2        4       16       16        2        3
 to
 $7,499
$7,500          8       10        3        5       13       12        3        4
 to
 $9,999
Under          25       34       10       17       60       67      6\f       12
 $10,000
$10,000         8       11        4        6        9        9        4        6
 to
 $12,499
$12,500         8       10        5        7        7        7        5        7
 to
 $14,999
$15,000         8        9        5        7        5        5        6        8
 to
 $17,499
$17,500         7        7        5        7        4        3        7        9
 to
 $19,999
$10,000        31     38\f     20\f     28\f     26\f       24       22     31\f
 to
 $19,999
$20,000        44       28       70       55       14        9       72       57
 or more
================================================================================
Total         100      100      100      100      100      100      100      100
--------------------------------------------------------------------------------
Note:  SC = service connected; NSC = nonservice connected. 

\a Spouses are not included for married veterans. 

\b Of the 76,000 single veterans with one or more dependents, about
30,000 had a service-connected disability. 

\c Of the 276,000 married veterans with one or more dependents, about
149,000 had a service-connected disability. 

\d Of the 1.3 million single veterans with no dependents, about
479,000 had a service-connected disability. 

\e Of the 579,000 married veterans with no dependents, about 307,000
had a service-connected disability. 

\f Percentages do not add due to rounding. 


MAJOR CONTRIBUTORS TO THIS FACT
SHEET
========================================================== Appendix XI

Paul R.  Reynolds, Assistant Director, (202) 512-7116
Richard W.  Meehl, Jr., Evaluator-in-Charge
Thomas N.  Bloom
Daniel Garcia
John R.  Kirstein
Wayne J.  Turowski
