★★★★★
“I had been putting the claim off for two years. The book said get the intent to file in first and finish the paperwork afterwards, so I did it that evening. The back pay runs from that night.”
Carl D., Georgia · verified buyer
What you already earned, and the form nobody handed you.
(The Senior Exemption Playbook)
What the VA still owes a veteran or his widow, and what every senior overpays. About $7,000 a year, and the exact words to say on the phone.What the VA still owes you, and what every senior overpays.
Tap the video below to play it. Raymond explains everything in 1 minute. Sound on · 1 minute
Raymond Grant
A Field Guide
A Field Guide
What you already earned, and the form nobody handed you.
Forty-nine chapters on what the VA still owes a veteran or his widow, and what every senior overpays on the property tax, Medicare and the heating bill. About $7,000 a year in the book’s own example, and the exact words to say on the phone.
- File the form that sets your back pay
- Cut your property tax with one form
- Let Medicare pay your Part B premium
01
How it works
1
You pay
Through Hotmart, the same checkout the big stores use. I never see your card number.
2
The book opens
On the very next screen, about thirty seconds later. Phone, tablet, or computer.
3
It stays in your email
The same link lands in your inbox, so you can pull the form up with the office still on the phone.
Nothing ships, and there is no account to make.
The honest math
What one year costs when nobody hands you the form.
Same house, same income, same prescriptions. The left column is what a household pays when it has never been offered anything. The right is the same household with the Playbook open. If someone in the house served, the last line is yours too.
Without the Playbook Per year
- Property tax, no exemptions on the parcel $4,260
- Medicare premiums and copays, paid in full $2,435
- Heating and electricity, full rate $1,880
- Prescriptions, no ceiling $3,150
- VA pay for ringing ears, never claimed $0
Total
$11,725
With the Playbook Per year
- Property tax, homestead and over-65 filed $3,180
- Premiums and copays, the savings program pays $324
- Heating, with LIHEAP and the medical rate $1,240
- Prescriptions, at the annual ceiling $2,100
- VA pay for ringing ears, 10 percent, tax free −$2,165
Total
$4,679
State homestead and over-65 schedules · Medicare Part B and the Savings Programs · LIHEAP and utility medical rates · the Part D ceiling · VA compensation rates, 2026
Net difference, per year: $7,046
03
Look inside
Real pages from the real book. This is exactly what opens on your phone. The type is set big on purpose.
← swipe to see more pages →
04
What’s inside
Forty-nine chapters, six printable companions, one file. Every chapter ends the same way: the exact form, the office it goes to, the deadline, and the words to say on the phone.
- Everything in one PDF, 404 pages, bookmarked. No unzipping, no hunting for files.
- The State Directory, all 50 states and DC, each on its own page: the programs for every senior, the form numbers, the offices, the deadlines, and what a veteran gets on top.
- Five minutes that decide the back pay on a veterans claim · p. 17
- The first slice off your property tax bill, claimed once, on one form · p. 118
- Ringing in the ears is the claim almost every veteran qualifies for · p. 38
- One program pays your Part B premium, and sometimes every copay Medicare leaves behind · p. 185
- Agent Orange, burn pits, Camp Lejeune: the lists that changed · p. 57
- After 60 the income test changes, and most people are testing themselves wrong · p. 166
- Widowed by a veteran? The monthly payment, the burial help, and the one-year clock · p. 100
- The $6,000 deduction nobody explained properly · p. 207
- A senior freeze does not freeze your tax bill, and what it does freeze · p. 127
- Heating help runs out by spring, and a couple on Social Security alone is very often under the line · p. 149
- The Medicare surcharge set from your last working year, and the appeal that routinely wins · p. 180
- Take COBRA at 65 and the clock has already started against you · p. 176
- Prescriptions now have a ceiling, and the doughnut hole is gone · p. 189
- Two rules were repealed: teachers and firefighters should re-apply · p. 219
And that is a fraction of it. Forty-nine chapters in eight parts, six companions, 404 pages, every rule with the official page it sits on.
05
Get your copy
$27 once. No subscription. Yours forever.
Instant PDF, on your phone about thirty seconds after you pay. Nothing ships. Print at the kitchen table if you want.
The Senior Exemption Playbook
- 404 pages, forty-nine chapters, every rule with the official page under it
- Instant PDF download, on your phone about thirty seconds after you pay
- The exact words to say on the phone, printed under every rule
- Six printable companions, from the action plan to the claim tracker
- 30-day money back, and you keep the book
$27
$79
Save $52 today
Secure checkout · One payment, no subscription · Nothing is mailed to you
What readers write me
★★★★★
“My father was rated totally disabled for twelve years, and after he died nobody told my mother she could claim anything. The widow’s chapter is what got it filed, and the county officer did it for nothing.”
Linda M., Ohio · verified buyer
★★★★★
“A company wanted a share of my increase to help me. Chapter 15 showed me how to check who is accredited and who is selling. The county veterans officer charged me nothing at all.”
Gary W., Tennessee · verified buyer
★★★★★
“Denied in 2009 and I left it at that for fifteen years. The PACT Act reopened it and the second claim was granted in four months.”
Wayne S., Oklahoma · verified buyer
★★★★★
“Nobody at the hospital had heard of CHAMPVA. The book had the form number and the address, and my coverage started ten weeks later.”
Eileen R., New York · verified buyer
★★★★★
“I never served. The over-65 exemption had simply never been on my bill, and the book named the office that takes the form.”
Arthur M., Colorado · verified buyer
★★★★★
“Thailand, 1970. For forty years I was told Agent Orange stopped at Vietnam. Chapter 12 lists the bases that were added, and my supplemental claim went in the same week.”
Ron B., Texas · verified buyer
★★★★★
“I bought it for my husband’s claim and found the program that pays my own Part B premium. That one chapter covered what the book cost, several times over.”
Barbara S., Pennsylvania · verified buyer
★★★★★
“I would have sat at the exam and said I was managing fine, because that is what you do. The book says describe your worst day, not your best. That sentence is worth a rating on its own.”
Mike R., North Carolina · verified buyer
★★★★☆
“It is a big book and I only needed the veterans half and my own state’s page. Once I found those two it was straightforward. I would still like a short version for the phone.”
Doris K., Missouri · verified buyer
★★★★★
“Rated 100 percent and I paid the full tax bill on this house for six years. My state’s page named the form and the office that takes it. The assessor had it done before lunch.”
James T., Florida · verified buyer
★★★★★
“The funeral home handled the flag and nothing else. The burial chapter had a form number for the headstone and for the plot allowance, and both came through.”
Patricia H., Virginia · verified buyer
★★★★☆
“There is a one-year clock after a death and I found it months too late for his open claim. If your husband served, read that part before you need it, not after.”
Joyce L., Alabama · verified buyer
★★★★★
“Retired Navy, hearing gone from the gun line. Chapter 19 is the first place anyone explained combat-related pay to me, and I applied the week I read it.”
Frank D., Washington · verified buyer
★★★★★
“I am no good at asking offices for things. I read the lines off the script card word for word and the clerk stopped arguing with me halfway through.”
Shirley N., Michigan · verified buyer
★★★★★
“Ringing in my ears since the engine room in 1969. Ten percent, tax free, for the rest of my life. I had always assumed it was meant for men who were worse off than me.”
Herbert L., Montana · verified buyer
★★★★★
“I cannot hold a job with my back the way it is, and I am rated at 70. The chapter on unemployability is the reason I am now paid at the full rate.”
Dennis P., Idaho · verified buyer
★★★★★
“My brother is a Korean War veteran with almost nothing coming in. The pension is needs based and he qualified at 91. He had never heard of it.”
Herman K., Delaware · verified buyer
★★★★★
“Two thousand one hundred dollars and then nothing for the rest of the year. I had been budgeting for the old gap out of pure habit.”
Phyllis D., Oregon · verified buyer
★★★★★
“My claim came back denied and I nearly stopped there. The appeal letter page told me exactly what to send next, and in what order.”
Douglas K., Kansas · verified buyer
🔒 Secure checkout
One payment, no subscription
Thirty days, my word on it: money back and you keep the book
Raymond Grant
My father served in Vietnam. He came home with ringing ears, a bad knee and a folder of paperwork he never opened again. For thirty years he claimed almost nothing, because he thought asking meant hiring a lawyer.
When he died, my mother was told there was nothing for her. There was: a monthly payment for widows, help with the burial, and a claim he had left open. And when I sat down with her bills, it kept going. She was paying the full property tax on a house that qualified for an exemption, and the full Medicare premium when a state program would have paid it. Nobody had done anything wrong. Nobody had offered.
So I wrote it all down: which office, which form, which deadline, and the exact words that got a straight answer. The veterans part comes first because that is where my family lost the most. The rest is for every senior, veteran or not. Every rule comes from a published government page, and every page is named at the back so you can check it yourself.
— Raymond
Questions people ask before they buy.
Is a paper book coming in the mail?
No. It is a PDF. That is a file you open on your phone, tablet or computer. Nothing comes in the mail. You get it about thirty seconds after you pay. You can print any page at home. Your library can print it for a few dollars too.
I’m not good with computers.
You do not need to be. You press one button and the book opens. No account. No password. If it does not open, write to me at support@raymond-grant.com. I will help you, or give your money back.
Is this a subscription? Will you charge my card again?
No. You pay one time. No membership. No monthly bill. No free trial.
What if I lose the file?
The link is in your purchase email. Keep that email. If you lose it, write to support@raymond-grant.com from the email you paid with. I will send it again the same day.
$27 for a book?
One form can pay for it many times over. The property tax form is on page 118. The five-minute form that sets a veteran’s back pay is on page 17. Not happy? Write to me within 30 days. You get your money back, and you keep the book.
Can’t I find this free online?
Yes, it is all free. But it is spread over the VA, Medicare, Social Security and your county. Each site is written for the office, not for you. This book puts it in one place. Which form, which office, the deadline, and what to say if they say no. Filing is free too. Nobody may charge you for a first VA claim.
Does this cover my state?
Yes. Every state and DC has its own page at the back. It lists the senior programs, the form, the office and the deadline. It also lists the extra help for disabled veterans and their widows. The VA, Medicare and Social Security chapters work the same in every state.
I served, or my husband did. Is there anything for us?
Yes, and it comes first in the book. For the veteran: the five-minute form that sets your back pay, hearing loss and ringing ears, the PACT Act list, and the wartime pension. For the widow: the monthly payment, help with the burial, and how to finish a claim he started. Many of these have a one-year deadline after a death. All of it is free to apply for.
I’m not a veteran. Is this still for me?
Yes. Most of the book is for every senior. Property tax, the Medicare Part B premium, the heating bill, prescriptions and Social Security. The veterans part comes first. You can skip it.
08
Still deciding?
Write to me here and I answer. Every message comes straight to me.