Intent to File vs. Filing a Fully Developed Claim: What’s the Difference? 

Posted by Ruben Mejia on February 27, 2025 in Veterans

When applying for VA disability benefits, Veterans have two primary options: submitting an Intent to File or filing a complete claim, or fully developed claim (FDC). Understanding the difference between an Intent to File and a complete claim is essential for Veterans looking to maximize their benefits while meeting all VA deadlines. Filing an Intent to File vs. a fully developed claim can impact the effective date of benefits, the date that VA begins to make monthly payments, so choosing the right approach is critical. At Berry Law, we help Veterans navigate the VA claims process to secure the compensation they have earned. 

1. What Is an Intent to File? 

An Intent to File is a formal notification to VA that a Veteran plans to submit a claim for disability compensation, pension, or survivor benefits. This process provides additional time to gather medical records and supporting evidence while protecting the earliest possible effective date for benefits. 

Key benefits of filing an Intent to File include: 

• Securing an effective date – If the claim is completed within one year, back pay is calculated from the date of the Intent to File. 

• More time to gather evidence – Veterans can submit stronger medical and service records. 

• Avoiding a rushed application – Prevents common mistakes from filing an incomplete claim. 

To submit an Intent to File, Veterans must: 

• Call VA at 800-698-2411 

or 

• Submit VA Form 21-0966 online or by mail 

or 

• Use VA’s eBenefits system 

2. What Is a Complete VA Disability Claim? 

A complete claim is a fully developed application that includes all necessary medical records, service records, and supporting evidence. Unlike an Intent to File, a complete claim is processed by VA for disability compensation and results in a rating decision. 

To submit a complete claim, Veterans need a VA Form 21-526EZ – the official disability benefits application. They may also include: 

• Medical records – VA or private healthcare records diagnosing a disability. 

• Service or personal records – Documentation linking a disability to a Veteran’s time in service. 

• Lay statements – Personal or buddy statements supporting the claim. 

A fully developed claim (FDC) is the fastest way to receive a VA decision, as it signals that all evidence is submitted upfront. 

3. Intent to File vs. Complete Claim: Which One Should You Choose? 

Deciding whether to file an Intent to File vs. complete claim depends on your situation: 

Scenario	Best Option
You need time to gather medical records	Intent to File
You have all necessary evidence ready	Complete Claim
You want to preserve the earliest possible effective date	Intent to File
You need benefits processed as quickly as possible	Complete Claim

If unsure which route to take, consult with a VA disability lawyer to avoid delays and maximize your compensation. 

4. Common Mistakes to Avoid When Filing a VA Claim 

Veterans often make avoidable errors that can delay their claims or reduce benefits. To prevent issues: 

• Don’t wait too long after filing an Intent to File – Claims must be completed within one year. 

• Include medical records to support your claim – Incomplete documentation can result in denials. 

• Use lay statements – Firsthand accounts from family or fellow service members can strengthen claims. 

• Double-check all forms – Errors on VA Form 21-526EZ can slow processing times, for example. 

Filing an Intent to File vs. a fully developed claim can significantly impact the speed and success of your VA disability claim. If you need assistance making sure your claim is fully developed and properly submitted, Berry Law is here to help. 

Contact us today for a free case evaluation. 

Frequently Asked Questions (FAQs) 

1. How long do I have after filing an Intent to File to submit my claim?

You must submit a complete claim within one year to keep the effective date of your Intent to File. 

2. Can I receive back pay if I file an Intent to File?

Yes. Your effective date for compensation is based on the date of the Intent to File if the claim is completed within a year. 

3. Does an Intent to File guarantee VA approval?

No. You must still provide strong medical and service records to support your claim. 

4. What happens if I submit an incomplete claim?

The VA may deny or delay processing, requiring additional evidence before making a decision. 

5. What if I don’t have all of the evidence listed above, and I won’t be able to get it?

You should still file a claim. VA has a duty to assist you with developing the necessary evidence to substantiate your claim, including searching for your military service records. 

5. How can a VA disability attorney help with my claim?

A VA accredited disability attorney can make sure your claim includes the necessary medical evidence, meets VA requirements, and is filed correctly.