If you’ve ever tried to file a VA disability claim, you already know—it’s not simple. The paperwork, the waiting, the back-and-forth—it can wear you down. Because of that, a growing number of companies have stepped in offering to “help” veterans with their claims—for a price.
Missouri lawmakers are now taking a closer look at these companies, often called “VA claim sharks,” and proposing new rules that could directly affect how veterans get help with their benefits.
Here’s what this means for you.
First, What Are “VA Claim Sharks”?
This term usually refers to private, for-profit companies that help veterans file or increase VA disability claims—while charging fees.
Some charge flat rates. Others take a percentage of your backpay or future monthly benefits. In some cases, veterans have reported paying thousands—or even tens of thousands—of dollars.
Here’s the key issue:
Under federal law, only VA-accredited representatives (like VSOs, accredited agents, or attorneys) are allowed to assist with claims for a fee. Many of these companies operate outside that system.
What Missouri Is Trying to Change
Missouri’s proposed legislation aims to crack down on unaccredited individuals or companies making money off VA claims assistance.
If passed, the bill would:
- Limit or ban fees for certain types of claims assistance
- Restrict referral kickbacks or paid lead generation
- Reinforce that only accredited professionals should be helping with claims
In plain terms: the state is trying to close the loopholes that allow unregulated companies to profit from veterans navigating the VA system.
Why This Matters Right Now
This isn’t happening in a vacuum.
Recent expansions in VA benefits—especially for toxic exposure cases—have brought a wave of new claims. More veterans are applying, reapplying, or seeking higher disability ratings.
At the same time:
- VA wait times can still be long
- The process can feel confusing or overwhelming
- Getting solid guidance isn’t always easy
That gap between need and support is exactly where these companies have stepped in.
The Good News: Free Help Already Exists
A lot of veterans don’t realize this:
You can get free, legitimate help from VA-accredited organizations, including:
- Veterans Service Organizations (VSOs)
- County veteran service officers
- Accredited attorneys and agents (fees only allowed in specific situations, like appeals)
These professionals are trained, regulated, and recognized by the VA.
And importantly—they’re not allowed to charge you upfront for filing an initial claim.
Why Some Veterans Still Choose Paid Help
Even with free options, some veterans turn to private companies anyway. Common reasons include:
- Frustration with delays or past denials
- Feeling like their case wasn’t taken seriously
- Wanting more hands-on or aggressive representation
Not every company in this space is acting in bad faith—but the lack of oversight has made it easier for bad actors to operate.
What Supporters of the Bill Say
Backers of the Missouri bill argue this is about protecting veterans from being taken advantage of.
Their concerns include:
- Excessive fees tied to your benefits
- Misleading promises about claim outcomes
- Tactics that may increase company profits—not necessarily your best outcome
From their perspective, veterans shouldn’t have to pay large sums for help that is already available for free.
What Critics Are Saying
Opponents of the bill see it differently.
They argue:
- Veterans should have the freedom to choose paid assistance
- The VA system is too overloaded to meet demand
- Some private companies provide faster or more personalized service
Their concern is that stricter rules could reduce options rather than improve the system.
What You Should Take Away
Regardless of where this bill lands, here are a few practical points to keep in mind:
- Check accreditation: If someone is helping with your VA claim, ask if they are VA-accredited.
- Be cautious with fees: Especially if they’re tied to your backpay or future benefits.
- Know your options: Free help is available and often highly effective.
- Read everything: Contracts with private companies can be complex and binding.
Bottom Line
Missouri’s proposed law is part of a bigger national effort to protect veterans navigating a complicated system.
At the end of the day, this isn’t just about legislation—it’s about making sure you have access to honest, effective, and fair help when you’re trying to secure the benefits you’ve earned.
If you’re currently working on a claim—or thinking about filing one—this is a good time to double-check who’s helping you and how they’re being paid.
Because the right help should move you forward—not cost you more than it should.