Assistance and Benefits for Veteran Single Mothers in Tennessee

Assistance and Benefits for Veteran Single Mothers in Tennessee (2025)

Last updated: September 2025

This hub focuses on veteran‑only programs and advantages in Tennessee. It does not repeat general benefits open to everyone. Every link below is descriptive and italicized so you can click straight to the help you need.

If You Only Do 3 Things — Emergency Actions to Take

Stop a housing crisis now: Call 1‑877‑4AID‑VET to reach the VA’s homeless help line and ask for Supportive Services for Veteran Families (SSVF) and HUD‑VASH options; you can also tap Tennessee‑specific contacts through the VA Tennessee Valley Homeless Care team and HUD’s Tennessee page for county hotlines. Use VA Homeless Programs (make the call) and HUD Tennessee – Veteran homelessness help. Expect triage within 24–72 hours for urgent cases; ask about “Rapid Resolution” and Temporary Financial Assistance for rent, deposits, utilities, and childcare. (va.gov)
Get women‑specific VA care and pregnancy support: Contact the Women Veterans Call Center (WVCC) at 1‑855‑829‑6636 and ask to be connected to the Women Veterans Program Manager at Memphis, Tennessee Valley (Nashville/Murfreesboro), or Mountain Home VA. See WVCC—your gateway to VA women’s health and TVHS Women Veteran Care (Nashville/Murfreesboro) for direct help. VA covers maternity care, delivery, and newborn care for 7 days, and coordinates you through a Maternity Care Coordinator. (womenshealth.va.gov)
Avoid utility shutoff or a car loss over a past‑due bill: Apply to Operation Homefront’s Critical Financial Assistance (CFA) on the 1st–10th of the month, then expect review by the 20th and decisions by month‑end; add VFW Unmet Needs if you’re within program rules. Start at Operation Homefront – CFA (eligibility) and VFW Unmet Needs (grants up to $2,500). If eligible, SSVF can also pay utilities directly to vendors to stop shutoffs. (operationhomefront.org)

Quick Help — Numbers and Links to Keep Handy

VA one‑stop navigation: Call 1‑800‑MY‑VA‑411 (1‑800‑698‑2411) for routing to benefits, health, crisis, and facility status; add VA disaster/operations updates to your bookmarks for storms and closures. Use MyVA411 main line. (content.govdelivery.com)
Tennessee Department of Veterans Services (TDVS): Call 1‑615‑741‑2345 to book a claims appointment or appeals help; find field‑office phone numbers on the TDVS directory. Open TDVS Contact Us and State Veterans Services Offices list. (tn.gov)
Vet Centers (confidential counseling): Call the 24/7 line 1‑877‑927‑8387 and ask for Memphis, Nashville, or Knoxville locations for MST, grief, and transition support. Check Memphis Vet Center and Knoxville Vet Center pages for local details. (va.gov)
Peer support anytime: Save Vets4Warriors 1‑855‑838‑8255 (veterans helping veterans, 24/7) and ask for follow‑up calls and resource referrals. Learn about Vets4Warriors 24/7 peer support and VA’s brief on Vets4Warriors. (vets4warriors.com)
County Trustee (property tax relief processing): Look up your Trustee’s phone and online forms or pay by phone at 1‑877‑768‑5048 when your county supports it. Use Tennessee Trustee county directory and Tennessee Trustee payment portal. (tennesseetrustee.org)

What Counts Most for Veteran Single Moms in Tennessee

Property tax relief for disabled veterans and surviving spouses

The fastest state‑level savings most veteran homeowners miss is Tennessee’s property tax relief. If you are 100% permanent and total (P&T), rated for specific severe conditions (like loss of use of two limbs, paraplegia, or legal blindness), or a qualifying surviving spouse, the State pays part or all of your local property tax on your primary home up to a set value limit.

What you get: Reimbursement is calculated on the first $175, 000 o f ma r k e t v a l u eo f yo u r p r ima ryres i d e n ce (s t a t e ‑ e q u a l i ze d), re g a r d l esso f in co m e f or d i s ab l e d v e t er an c a t e g ory . * R e a d * * [T D V S — D i s ab l e d V e t er an T a x R e l i e f] (h ttp s : // www . t n . g o v / v e t er an / v e t er an - b e n e f i t s / t n - s t a t e - b e n e f i t s / h o m eo w n ers / p ro p er t y - t a x - re l i e f - f or - d i s ab l e d - v e t er an s . h t m l /) * an d t h es t a t u t ory l an gu a g e in * [T e nn . C o d e §67‑5‑704] (h ttp s : // co d es . f in d l a w . co m / t n / t i tl e - 67 - t a x es - an d - l i ce n ses / t n - co d e - sec t - 67 - 5 - 704/) * . A ccor d in g t o t h e C o m pt ro ll er, m ore t han$ 41 million in relief flows statewide each year. See Comptroller—Property Tax Relief overview. Amounts vary by city/county rates; ask your Trustee what your 2025 maximum veteran reimbursement is. (tn.gov)
Eligibility highlights: You must own and live in the home as your primary residence; disabled veteran criteria follow VA determinations (P&T, certain loss‑of‑use injuries, POW P&T). Surviving spouses keep eligibility if not remarried and other conditions are met. Review TDVS—Surviving Spouse Relief and a county example with hard deadlines, like Chattanooga/Hamilton County. Check City of Chattanooga 2024‑25 relief dates & max reimbursements. (tn.gov)
How to apply: Contact your County Trustee’s office as soon as you receive your property tax bill; many counties set spring deadlines (for example, Knox County listed April 5, 2025 on veteran applications). Find Knox County Trustee contact points and Tennessee Trustee county lookup. Bring your DD214, VA rating letter showing P&T or qualifying condition, your tax bill, and photo ID. Expect processing to take 10–15 business days once you’ve paid the tax and submitted your relief packet (payment is required first in many cities before the State reimburses). (knoxcounty.org)
Plan B if this hits a wall: Ask your Trustee about any city/county “supplemental” relief or tax freeze (separate program) and appeal a denial with updated VA evidence. If your rating recently changed to 100% P&T, ask the Trustee to re‑calculate under the current year’s equalization factor. Skim CTAS note for disabled veterans relief mechanics and TNVET advocacy on equalization issues to understand why relief amounts can shift between reassessments; document everything and call TDVS if you need a formal letter for your file. According to updates posted March 2025 by TNVET, reimbursement averages were under review in the legislature; confirm your county’s 2025 calculations before you pay. (ctas.tennessee.edu)

Housing stability programs specific to veterans

Your veteran status unlocks housing supports that ordinary programs don’t provide. Prioritize SSVF and HUD‑VASH, and lean on Tennessee‑based veteran nonprofits that can bridge deposits, arrears, and move‑in costs.

Start here: Call the National Call Center for Homeless Veterans at 1‑877‑4AID‑VET; ask for SSVF providers serving your county (Centerstone, OSDTN, and others serve different regions) and for a HUD‑VASH screening if you need a voucher plus case management. Use Make the call—VA homeless and HUD Tennessee—Veteran homelessness info. The TVHS Homeless team also runs walk‑ins; get local hours and numbers. See TVHS Homeless Veteran care page. Expect a quick triage and, if eligible, a housing plan within days. (va.gov)
What SSVF can pay for (realistically): Direct vendor payments for rent, security and utility deposits, back utilities, essential furnishings, transportation, and even childcare to stabilize housing are allowed under current VA SSVF rules. Some grantees can add a $1,000 “move‑in” supplement when you secure a 12‑month lease. Check the 2025 VA SSVF NOFO details in Federal Register—SSVF funding opportunity and a Tennessee SSVF provider page like Centerstone. Review Centerstone Military Services (SSVF in TN). Funding limits differ by grantee; ask your case manager to confirm caps and time limits before you commit to a lease. (federalregister.gov)
Local, veteran‑led help: In Middle Tennessee, Operation Stand Down Tennessee (OSDTN) offers SSVF, employment, and legal clinic partnerships; call 615‑248‑1981 (Nashville) or the Clarksville office. Open OSDTN services and Legal Aid Society’s veterans clinics at OSDTN (twice monthly). In West and East Tennessee, use the HUD Tennessee page for county hotlines (e.g., Shelby County’s 24‑hour shelter line is listed) and connect to Legal Aid of East Tennessee’s recurring Veterans’ Legal Advice Clinic to resolve lease, family‑law, or debt issues. See HUD Tennessee—regional contacts and LAET veterans clinic schedule. (osdtn.org)
Plan B if this doesn’t work: Use national veteran funds as stopgaps while SSVF processes. Operation Homefront’s housing programs (Transitional Homes; rent/utility‑free apartments) serve eligible post‑9/11 families; apply if you meet time‑since‑separation windows. Review Operation Homefront—Housing programs and CFA monthly timeline so you can time your bills. If you’re P&T and landlord engagement is the main barrier, ask the VA social worker for a support letter and look for landlords who partner with HUD‑VASH; TVHS has asked community landlords to step up amid tight rental markets. See TVHS press note asking landlords to help Veterans. (operationhomefront.org)

How to stop a utility shutoff in Tennessee today (veteran‑only routes)

Try these first: Ask your SSVF case manager for Temporary Financial Assistance (TFA) to a third‑party utility vendor—this is specifically allowed and is often the fastest way to halt a disconnect. Point them to SSVF 2025 NOFO—TFA uses (utilities allowed) and the VA homeless hotline to escalate. Use 1‑877‑4AID‑VET—Homeless Veteran call center. (federalregister.gov)
Second line: Operation Homefront CFA grants accept “Utilities” and “Child and Dependent Care” for eligible deployed/E‑1–E‑6 or wounded/ill/injured post‑9/11 families; submit between the 1st–10th. Apply via CFA eligibility and CFA monthly process. You can also use VFW Unmet Needs if your situation meets their rules (grants up to $2,500; they pay creditors directly). Check VFW Unmet Needs. (operationhomefront.org)
Plan B: Ask your VA social worker to document medical risk (for moms with infants or medically fragile kids) and request a short “medical hold” from the utility, then file an appeal date; quickly stack CFA/SSVF with any church‑based veteran funds (call TDVS to locate a VSO who knows county resources). Use TDVS Contact—get routed fast and Vets4Warriors—peer support that stays with you for coaching and follow‑up calls. (tn.gov)

VA health care you can actually use as a single mom

Women’s health and maternity care: VA covers prenatal care, delivery, and postpartum care, and pays newborn care on the date of birth plus the next 7 days. You also get a Maternity Care Coordinator from pregnancy through 12 months postpartum (national policy expanded Oct. 1, 2023). Read VA Women’s Maternity Care and VA News—Maternity care coordination expanded. Ask WVCC to connect you to Memphis, TVHS, or Mountain Home, and get lactation supplies through VA Pharmacy with your MCC. (womenshealth.va.gov)
Local contacts (by system): Memphis lists a Women Veterans Program Manager (WVPM) contact, and TVHS provides a dedicated Women’s Care email. See Memphis—Women Veteran Care and TVHS Women Veteran Care & coordinator email. Mountain Home provides WVPM contact names and email. Open Mountain Home—Women Veteran Care. Call WVCC if you can’t find a direct phone. (va.gov)
Plan B: If appointment backlogs are long, ask for VA Community Care under the MISSION Act and for VA Video Connect to reduce travel; use your Vet Center for confidential counseling even if you’re not enrolled in VA health care. Browse Nashville Vet Center and Memphis Vet Center for telehealth options. For non‑crisis peer help between appointments, save Vets4Warriors for 24/7 follow‑up. Visit Vets4Warriors—Talk to us. (va.gov)

Child care support tied to your service

Direct veteran‑specific options: SSVF can pay short‑term childcare costs when it stabilizes housing (for example, during move‑in, job start, or lease signing); ask your SSVF worker to include this in your housing plan. Point to SSVF—childcare allowed under TFA and confirm limits in your grantee’s policy. For active‑duty families stationed in Tennessee, TDHS and DoD expanded Military Child Care in Your Neighborhood‑PLUS (MCCYN‑PLUS) to add more civilian providers with fee assistance. See TDHS–DoD child care partnership announcement for program scope and provider standards. (federalregister.gov)
Plan B: If childcare is the barrier to keeping VA medical care, ask your clinic social worker for creative scheduling and telehealth, and lean on non‑government support like Operation Homefront CFA (child and dependent care) and VFW Unmet Needs if eligible. Use CFA eligibility (child & dependent care) and VFW Unmet Needs. Document every childcare payment need in your SSVF case plan so future bills qualify for TFA without delays. (operationhomefront.org)

Education and training that actually pays you (veteran‑only)

Helping Heroes Grant (Tennessee lottery‑funded): Up to $1, 000 p erse m es t er (12 + h o u rs) or$ 500 (6–11 hours), first‑come, limited to eligible post‑9/11 veterans with qualifying campaign medals. Deadlines are typically Sept 1 (fall), Mar 1 (spring), and May 1 (summer). Check TDVS Education checklist (grant summary) and CollegeforTN—Helping Heroes details and deadlines. Call TSAC at 1‑800‑342‑1663 with questions. See About TSAC and contacts. According to official pages updated in 2024–2025, funds are awarded after you pass your classes; get your DD214 to TSAC early to avoid delayed payments. (tn.gov)
Veteran‑friendly campuses: Tennessee certifies VETS Campuses, and many TCATs and universities host robust veterans centers and SCOs. If you need a supportive school, scan the VETS Campus list and ask for priority registration and credit for prior learning. Browse VETS Campuses directory and VETS Campus profiles and contacts. If you are a current Guard member, check the STRONG Act tuition reimbursement through your unit. (tn.gov)
Plan B: If a semester’s bill is due and GI Bill/Heroes funds haven’t posted, ask your SCO for a VA‑deferment note and apply for a short‑term veteran grant through Semper Fi & America’s Fund (gap coverage for books, fees, licensure, equipment). See The Fund—Education & Career Assistance and Get Assistance—case manager contact. They often turn urgent aid within 24–48 hours. (thefund.org)

Employment and entrepreneurship advantages

Priority of Service and veteran‑only staff: American Job Centers give veterans priority across all DOL‑funded services. Ask for a DVOP specialist if you have barriers (single parent, disability, homelessness, MST, long unemployment). Find TN’s AJC locator and TN Virtual AJC—Veterans Program for appointments and virtual events. Confirm veteran services and DVOP/LVER roles via Tennessee Veteran Employment Services. (tn.gov)
Start or grow a veteran‑owned small business: Tennessee’s Go‑DBE certifies Service‑Disabled Veteran Business Enterprises (SDVBE) and connects you to state procurement; plan for a 30–45 day certification, then bid through the state’s Edison portal. Review Go‑DBE Certification—SDVBE criteria and steps and Go‑DBE About/contacts. TDVS also maintains a veteran entrepreneurship page that links to federal OSDBU resources and veteran registration guides. Open TDVS—Start Your Business. (tn.gov)
Plan B: If you need income while you build the business, ask an AJC about WIOA‑funded on‑the‑job training and veteran hiring fairs on the TN Virtual AJC site; practice interviews and resume refreshes with DVOP staff. Use TN Virtual AJC events and Jobs4TN veteran job search. (tnvirtualajc.com)

Transportation, plates, and tax perks that save real money

County motor vehicle privilege tax waiver (P&T): Veterans rated 100% P&T or former POWs can be exempt from county privilege tax—show your VA letter to the local collector. See TDVS—County Motor Vehicle Privilege Tax exemption and ask your county clerk how to apply. Many disabled veterans also qualify for one free Disabled Veteran plate; grandfathered veterans may keep two. Check TN Dept. of Revenue—Disabled Veteran plates. (tn.gov)
Sales tax breaks on vehicles/adaptive equipment: Certain service members qualify for sales tax exemptions on vehicle purchases; adaptive auto equipment for qualifying disabled veterans is tax‑exempt, and purchases above a VA auto grant may receive special treatment. Read TN DOR SUT‑84: vehicle sales exemptions and SUT‑86: adaptive equipment exemption. Also see [SUT‑85: VA Auto Grant—tax treatment](https://revenue.support.tn.gov/hc/en-us/articles/360058253892-SUT-85-Exemption-for-Automobile-Purchased-with-Veterans Affairs-Automobile-Grant). Always bring your VA approval forms (10‑1394 or 21‑4502) when claiming exemptions. (revenue.support.tn.gov)
Plan B: If DMV paperwork stalls, have your TDVS VSO contact the clerk on your behalf and bring copies of the statute or Revenue bulletins. Print TDVS Motor Services index and keep it in your glove compartment for reference. For low‑cost recreation with your kids, ask state park offices about active‑military and disability discounts on camping within 30 days of arrival. Peek at Tennessee State Parks—discount policies on reservations. (tn.gov)

Quick Reference Cheat Sheet

Topic	Who to Contact	What to Say	Expected Timeline
Housing crisis	1‑877‑4AID‑VET; ask for SSVF and HUD‑VASH	“Single mother veteran; need SSVF TFA and housing plan; utilities/rent due”	Triage within 24–72 hours; plan within a week
Women’s VA care	WVCC 1‑855‑829‑6636	“Connect me to WVPM at Memphis/TVHS/Mountain Home; I’m pregnant/postpartum”	Coordinator contact same day; appointments vary
Utility shutoff	SSVF caseworker; Operation Homefront CFA	“Vendor payment to stop disconnect; CFA utility request this month”	SSVF: days; CFA: decisions by month‑end
Property tax relief	County Trustee; TDVS VSO	“Disabled Veteran Relief—need county application and required docs”	10–15 business days typical after submission
Legal help	OSDTN legal clinic; LAET veterans clinic	“Veteran single mother; need advice on landlord/family law”	Advice clinic slots every 2–4 weeks

Use VA Homeless—Make the call, Women Veterans Call Center, Operation Homefront—CFA, Tennessee Trustee directory, and LAET Veterans Clinics. Timelines vary by county and funding—always call to confirm current availability before applying. (va.gov)

Veteran‑Only Money, Benefits, and Grants (At‑a‑Glance)

Program	Who’s Eligible	2025 Benefit Snapshot	Where to Apply
TN Disabled Veteran Property Tax Relief	100% P&T or qualifying service‑connected conditions; surviving spouses under rules	Relief on taxes based on first $175,000 market value (amount varies by county rates/equalization)	TDVS – Veteran Homeowners; Trustee directory
Operation Homefront CFA	Post‑9/11 wounded/ill/injured (within time limits) or E‑1–E‑6 w/ dependents, incl. deployed	Vendor‑paid essential bills (rent, utilities, child care, car repair); monthly 3‑phase cycle	CFA Eligibility; CFA Process
VFW Unmet Needs	Active‑duty incl. activated Guard/Reserve; specific criteria	Grants up to $2,500, paid to creditors	VFW Unmet Needs
Helping Heroes Grant (TSAC)	Eligible TN veterans with qualifying medals; full/part‑time	$1, 000 p er f u ll ‑ t im ese m es t er;$ 500 part‑time; first‑come	Helping Heroes at CollegeforTN; TDVS Education
Semper Fi & America’s Fund	Critically wounded/ill/injured veterans (all branches)	Rapid grants (often 24–48 hrs) for emergent needs; education/career gap help	Get Assistance – The Fund

According to official pages current through 2024–2025, these programs change funding windows and limits; call first to verify availability this month. (tn.gov)

Local Organizations, Charities, Churches, and Support Groups (Veteran‑Focused)

Operation Stand Down Tennessee (OSDTN): Crisis, career, and connection services; SSVF; Nashville and Clarksville centers. Visit OSDTN—programs and save Nashville’s 615‑248‑1981. Check public listing with locations and hours if you need directions. (osdtn.org)
Centerstone Military Services (incl. SSVF): Housing and mental health support; Cohen Clinics in Clarksville; SSVF across middle TN. Read Centerstone Military Services overview and SSVF regional contact example in Clarksville. (centerstone.org)
Legal help for veterans: Operation Stand Down clinics (Nashville), LAET’s Veterans’ Legal Advice Clinics (Knoxville), and West Tennessee Legal Services (Memphis area expansion). See LAS clinics—Veterans Only at OSDTN and LAET clinic calendar; in West TN, WTLS now serves Memphis region. (las.org)
Women veterans groups (peer, advocacy, and community): Women Veterans of America has a long‑standing Nashville Chapter 20 and a Clarksville Chapter 47. Connect with WVA Chapter 20 (Nashville) info and WVA Chapter 47 (Clarksville); you can also browse national networks like WoVeN for virtual groups. Try WoVeN—Women Veterans Network. (wvachapter20.tripod.com)

Resources by Region (veteran‑specific)

Region	Core VA System	Homeless/Housing Touchpoints	Peer & Legal
West TN (Memphis, Shelby, Tipton, Fayette, Lauderdale)	Memphis VA Medical Center; Women’s Health and WVPM contact available	Shelby County 24‑hour homeless hotline via HUD TN page; SSVF via Centerstone & partners	Memphis Vet Center; LAET/WTLS legal aid
Middle TN (Nashville, Murfreesboro, Clarksville)	Tennessee Valley HCS (Nashville & York/Murfreesboro); Women’s Care email	TVHS Homeless walk‑ins; OSDTN SSVF (Nashville/Clarksville)	Nashville Vet Center; OSDTN legal clinics
East TN (Knoxville, Chattanooga, Johnson City)	Mountain Home VA HCS; Women’s Health WVPM	HUD TN county hotlines; SSVF via Centerstone partners	Knoxville Vet Center; LAET veterans clinics

Use HUD Tennessee, TVHS Homeless services, and your local Vet Center page to find addresses and hours. Timelines depend on caseload; ask for Rapid Resolution first to avoid shelter when possible. (hud.gov)

Diverse Communities — Tailored Notes and Access

LGBTQ+ single mothers: Inclusive VA care: Ask the WVPM for providers trained in inclusive women’s health and mental health, and request privacy flags if safety is a concern. Start with Women Veterans Health—Resources and get routed via WVCC. For peer support, choose a WoVeN group that fits your schedule. Join WoVeN. (womenshealth.va.gov)
Single mothers with disabilities or disabled children: If you’re P&T, enroll your kids in CHAMPVA; dependent kids can keep coverage up to age 23 if in school. Review CHAMPVA eligibility and VA Form 10‑10d (rev. Apr 2025). CHAMPVA dental is available via VADIP plans; call 1‑800‑733‑8387 with questions. Read VADIP for CHAMPVA families. (va.gov)
Veteran single mothers (post‑service, rebuilding): Combine SSVF (rent, utilities, deposits, childcare) with Operation Homefront housing and monthly CFA cycles; if you’re also in school, layer Helping Heroes funds. Use SSVF NOFO—TFA categories, Operation Homefront housing, and Helping Heroes. If you just need to talk through choices, save Vets4Warriors 1‑855‑838‑8255. Visit Vets4Warriors. (federalregister.gov)
Immigrant/refugee single moms who are veterans: Ask for interpreters when calling WVCC or TDVS, and request forms in large print if needed. Start with WVCC—women’s navigation line and TDVS Contact. For culturally sensitive peer help in your language, ask Vets4Warriors if they can pair you with a peer who shares your background. Open Talk to Vets4Warriors. (womenshealth.va.gov)
Tribal‑specific resources: If you’re a citizen of a federally recognized tribe, ask your VA social worker to coordinate with tribal veterans representatives and to check for tribally run housing or health services in your network. Use WVCC to route you to women’s coordinators who know how to document tribal enrollment for benefits interactions. Lean on Women Veterans Health—Resources and your TDVS VSO directory to find a VSO who has tribal liaison experience. (womenshealth.va.gov)
Rural single moms with limited access: Ask for VA Video Connect for medical, tele‑Vet Center counseling, and mobile AJC services for job help. Use Vet Centers—telehealth options (Nashville/Memphis pages) and TN Virtual AJC. Consider state park camping discounts for disabled vets for low‑cost family time—ask a park office about current rates. Check Tennessee State Parks reservation policies. (va.gov)
Single fathers and co‑parents: All programs above apply to fathers too. When legal issues exist, bring court orders to clinics for targeted advice. Find LASMTC clinics (including OSDTN) and LAET veteran clinics. For peer support, call Vets4Warriors. Dial Vets4Warriors 855‑838‑8255. (las.org)
Language access and accessibility: Ask for TTY services when calling VA (711), large‑print applications, or interpreters at TDVS/Trustee offices. Keep WVCC and MyVA411 in your phone; both can route you to accessible services. Use WVCC and VA Contact Center. (womenshealth.va.gov)

Common Mistakes to Avoid

Missing the monthly CFA window: Operation Homefront only accepts applications from the 1st to the 10th; submitting on the 11th means waiting a full month. Recheck CFA process calendar and add a reminder. Pair with VFW Unmet Needs as a backup. (operationhomefront.org)
Assuming property tax relief happens automatically: You must apply every tax year to your County Trustee, even if your rating doesn’t change. Use Trustee lookup and TDVS program page for rules. (tennesseetrustee.org)
Not asking for WVPM or MCC by name: Women’s care staff exist to fast‑track your needs; ask for “Women Veterans Program Manager” and “Maternity Care Coordinator.” Find them via WVCC and local Women’s Care pages. (womenshealth.va.gov)
Thinking SSVF can’t cover childcare or move‑in costs: It can—within limits and documentation. Show your worker SSVF NOFO text—TFA categories and ask for the policy. (federalregister.gov)

Reality Check

Funding is not unlimited. Relief amounts, grant caps, and processing times shift with budgets and demand. Expect 10–15 business days for many county relief decisions, same‑week SSVF triage, and month‑end Operation Homefront decisions. Always call to confirm current availability before applying; have a Plan B. Skim Comptroller’s Property Tax Relief, SSVF NOFO (2025 cycle), and Operation Homefront CFA process for current windows and rules. (comptroller.tn.gov)

Application Checklist (printable/screenshot‑friendly)

Proof of service: DD214 (Member 4) or current orders; VA rating letter if claiming P&T or disability‑based benefits. Get records via military records request and TDVS field offices.
Photo ID and residency proof: TN driver’s license/ID showing current address; lease or mortgage statement if needed. Check TDVS Contact for documentation tips.
For property tax relief: Tax bill, completed Trustee application, VA disability documentation, proof of occupancy. Find Trustee office and TDVS relief page.
For SSVF/HUD‑VASH: Income proof, lease or notice, utility bills, child custody proof (if childcare requested), and any 3‑day/7‑day notices. Call 1‑877‑4AID‑VET.
For Operation Homefront CFA: Upload income docs, deployment/medical proof (as applicable), landlord/utility invoices. Apply between the 1st–10th monthly. Use CFA Eligibility.
For Helping Heroes: DD214 + medal verification, FAFSA on file, TSAC application by deadline. Start at CollegeforTN—Helping Heroes.

Troubleshooting: If Your Application Gets Denied

Ask for the exact reason in writing: Missing document? Past the deadline? Not the right category? Then call TDVS and ask a VSO to review and resubmit or to file supporting evidence.
Escalate with a second lane while you fix the first: Pair SSVF with Operation Homefront or VFW Unmet Needs. Open CFA and VFW Unmet Needs.
Timing out: If a bill is due in under five days, call the creditor and ask for a “veteran hardship hold” while your case manager faxes a vendor‑payment pledge. Lean on Vets4Warriors to script the call and keep you on track with follow‑ups.

County‑Specific Variations You Should Know

Deadlines differ: Some Trustees accept tax relief apps until early April (e.g., Knox County listed April 5, 2025), but interest accrues on unpaid tax balances after earlier due dates (e.g., Feb 28 in Chattanooga). Check Knox County Trustee contact list and Chattanooga relief page with key dates.
Equalization factors matter: The state equalization factor can change your relief calculation year to year. Read CTAS explainer for disabled veterans relief and discuss with your Trustee if your reimbursement dropped unexpectedly. (knoxcounty.org)

Frequently Asked Questions (TN + veteran‑specific)

How fast can SSVF stop an eviction or utility shutoff?
SSVF can often issue a vendor payment in days once eligibility is confirmed and documents are in; call 1‑877‑4AID‑VET and ask for an urgent triage. Use VA Homeless call center and show your caseworker the current SSVF NOFO TFA list (utilities, deposits, childcare allowed). (va.gov)
I’m pregnant—what does VA cover and how do I start?
VA covers prenatal care, delivery, postpartum care, and newborn care for 7 days; you get a Maternity Care Coordinator through 12 months postpartum. Call 1‑855‑829‑6636 to connect. Read VA maternity care coverage and VA expansion notice (Sept 29, 2023). (womenshealth.va.gov)
Can my child get health coverage through VA if I’m P&T?
Yes—dependents may qualify for CHAMPVA if you’re P&T and they’re not eligible for TRICARE. Review CHAMPVA eligibility and how to apply and submit VA Form 10‑10d. (va.gov)
What’s the 2025 DIC base rate for surviving spouses?
As of the VA’s 2025 table (effective Dec 1, 2024), the monthly base for post‑1993 deaths is $1,653.07, with added amounts possible. See VA—Current DIC rates. (va.gov)
How do I find a veteran‑friendly college in Tennessee?
Use the VETS Campuses directory and call the listed SCO before you apply; ask about priority registration, veteran lounges, and credit for prior learning. Check VETS Campuses and VETS Campus data pages. (tn.gov)
What veteran property tax relief can I expect in dollars?
It depends on your county tax rate/equalization; the state computes relief on the first $175,000 of market value. Call your Trustee for the exact 2025 relief amount. Read Tenn. Code §67‑5‑704 and Comptroller’s Tax Relief page. (codes.findlaw.com)
I run a home‑based business—does Tennessee recognize SDVBE?
Yes. Go‑DBE certifies Service‑Disabled Veteran Business Enterprises (SDVBE). Register in Edison, then apply; decisions typically take 30–45 days. Start at Go‑DBE Certification and contact the program directly if you need help. See Go‑DBE About/contacts. (tn.gov)
Is there a special car tax break for disabled veterans?
Yes—TN provides sales/use tax exemptions for adaptive equipment and special treatment for vehicles purchased with a VA auto grant; certain military members get sales tax exemptions on vehicle purchases. Review SUT‑86 (adaptive equipment) and SUT‑85 (VA Auto Grant). (revenue.support.tn.gov)
Which nonprofits move fast in Tennessee?
Semper Fi & America’s Fund often turns emergency requests within 24–48 hours; OSDTN can connect you locally in Middle TN; USA Cares and others may help depending on eligibility. Visit The Fund—What we do and OSDTN; for USA Cares contacts use USA Cares—contact. (thefund.org)
How do I get fast, confidential support at 2 a.m.?
Vets4Warriors picks up within 30 seconds on average, 24/7, and keeps following up. Call 1‑855‑838‑8255 via Vets4Warriors and see VA’s coverage of the program. Read VA News—Vets4Warriors brief. (vets4warriors.com)

Tables You Can Use

Key Women’s VA Contacts (Tennessee)

System	Women’s Care Page	How to Reach
Tennessee Valley HCS (Nashville/Murfreesboro)	TVHS Women Veteran Care	Email on page; call WVCC 1‑855‑829‑6636 for direct routing
Memphis VA Medical Center	Memphis—Women Veteran Care	WVPM listed; call main hospital if needed
Mountain Home VA (Johnson City)	Mountain Home—Women Veteran Care	WVPM name/email on page

(va.gov)

Housing and Homeless Resources (Vet‑Only)

Program	What It Pays	Where to Start
SSVF	Rent, deposits, utilities, childcare, moving, essential items (within limits)	1‑877‑4AID‑VET; ask for SSVF in your county
HUD‑VASH	Housing voucher + VA case management	HUD Tennessee and local VA Homeless team
Operation Homefront Housing	Transitional homes, rent/utility‑free apartments	Operation Homefront—Housing

(va.gov)

Education & Training

Benefit	Amount/Notes	Apply
Helping Heroes Grant	$1, 000 FT /$ 500 PT per semester; first‑come; medals required; 2025 deadlines typical: 9/1, 3/1, 5/1	CollegeforTN—Helping Heroes
VETS Campuses	Certified veteran‑supportive institutions with staff and services	VETS Campuses directory
The Fund—Education & Career	Gap coverage for books/fees/equipment; fast turnaround	The Fund—Education & Career

(collegefortn.org)

Transportation & Taxes (Veteran‑Specific)

Benefit	Who’s Eligible	Notes
County Motor Vehicle Privilege Tax Exemption	100% P&T or former POW	Show VA letter to county collector; verify locally
Disabled Veteran Plates	Disabled veterans (see statute)	One free DV plate (two free if grandfathered before 5/19/2014)
Sales Tax—Vehicle/Adaptive Equipment	Qualifying service members and disabled veterans	Special exemptions and treatment for VA auto grant and adaptive equipment

See Privilege tax exemption, Free DV plates policy, and SUT‑84/SUT‑86. (tn.gov)

Legal and Peer Support

Need	First Call	Backup
Free legal advice (civil)	LAET Veterans Clinics	LAS/OSDTN clinics
Peer support (anytime)	Vets4Warriors 1‑855‑838‑8255	Vet Center locator

(laet.org)

About vehicle, license, and parks extras

County privilege tax & plates: Take your P&T letter to the county collector; ask the clerk about your DV plate entitlements. Open TDVS—Motor Services index and VR‑13 DV plates policy. Many veterans also qualify for parking privileges/decals. See TDVS—Parking privileges. (tn.gov)
TN State Parks discounts (ask locally): Active‑duty discounts are posted; disabled discounts vary by park and site. Always ask a park office about current military and disability discounts before booking. Preview reservation policies with discount notes and Pickett policy page to understand ID and timing rules. (reserve.tnstateparks.com)

Real‑World Examples

Rent due Friday, kids at home: You call 1‑877‑4AID‑VET on Monday, SSVF verifies eligibility Tuesday, issues a utility‑vendor pledge by Wednesday, and your landlord receives a rent pledge by Friday. You attach an Operation Homefront CFA app on the 1st next month to clear the remainder. Use SSVF contact and CFA process calendar. (va.gov)
Pregnancy care without VA OB on‑site: WVCC connects you to a Maternity Care Coordinator who schedules community OB care and lactation support. Newborn is covered for 7 days after birth while you add the baby to coverage. See VA maternity coverage details and call WVCC. (womenshealth.va.gov)
Property tax relief later in the year: You pay your county bill, file the Trustee application with your P&T letter, and receive a state reimbursement check or credit. If the amount seems low, ask about the equalization factor and request a recalculation. Review Comptroller’s relief page and CTAS explainer. (comptroller.tn.gov)

Spanish summary / Resumen en español

Este resumen rápido presenta enlaces oficiales y fue traducido con herramientas de IA (revise siempre con la agencia).

Vivienda (veteranas): Llame al 1‑877‑4AID‑VET para SSVF/HUD‑VASH y pida ayuda con renta, depósitos y servicios. Vea Programas para veteranas sin hogar y HUD Tennessee. (va.gov)
Salud y embarazo (VA): Llame a 1‑855‑829‑6636 (WVCC); VA cubre cuidado prenatal, parto y 7 días para el recién nacido; coordinadora de maternidad incluida. Lea Cuidado de maternidad—VA. (womenshealth.va.gov)
Cuentas y shutoff: Solicite Operation Homefront CFA (1–10 de cada mes) y pida pago directo al proveedor; combine con SSVF si califica. Use CFA—elegibilidad y Proceso mensual. (operationhomefront.org)
Impuestos de propiedad (veteranas discapacitadas): Tennessee ofrece alivio hasta $175,000 del valor de mercado de la vivienda principal. Vea Alivio de impuestos—TDVS y Directorio de Trustees. (tn.gov)
Estudios: Helping Heroes Grant ( $1, 000/$ 500 por semestre). Más info en CollegeforTN—Helping Heroes y TDVS Educación. (collegefortn.org)

About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

Last verified September 2025, next review April January 2026. We produce people‑first content based on official sources and update regularly, but we are not a government agency or a substitute for official guidance. Individual eligibility outcomes cannot be guaranteed. Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

Disclaimer

This guide is informational and not legal, medical, tax, or financial advice. Program rules and funding windows change. Always verify current eligibility, amounts, and deadlines with the official agency or nonprofit before you apply. If you’re in danger or need immediate help, dial 911; for urgent veteran support call 988, press 1 (Veterans Crisis Line). Use Veterans Crisis Line and VA Contact Center for official support paths. (womenshealth.va.gov)

What to do if this doesn’t work

If a phone line is busy or a portal won’t accept your application, try again later the same day, document attempts, and call an alternative route (TDVS, WVCC, or Vets4Warriors) for a warm hand‑off. Keep TDVS Contact Us, WVCC, and Vets4Warriors in your favorites. (tn.gov)

Note on formatting: key actions are front‑loaded; timelines are realistic; and everything links straight to veteran‑specific help so you can move fast.

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