A Non-Profit Veteran Service Benefits and Claims Program

The HFX VSO Program Overview

The HFX VSO program is a non-profit veteran service benefit and claims program serving the U.S. Department of Veterans Affairs and our nation's Servicemembers and Veterans.

Healthcare Financial Exchange Inc. (HFX) has established its Veteran-owned non-profit division, American Veteran Services, to act as a Veteran Service Organization (VSO) licensed by the U.S. Department of Veterans Affairs. American Veteran Services will serve as a new Veteran Customer Service (VCS) division, launching its VSO program with healthcare and financial card services specifically designed for U.S. military Servicemembers, Veterans, and their dependents.

HFX has organized a training program for the 1,000+ licensed Veteran brokers who were recently trained and hired by HFX and Colonial Life. These recently hired Veteran brokers will serve as Veteran Service Officers (VSOs), each being certified by the Veterans Administration. HFX is immediately deploying these certified VSOs into VA offices within their home states, at least 1 in each state in over 800 cities, to assist U.S. military Servicemembers, Veterans, and their dependents with claim and benefit services.

Our HFX VSOs can help Servicemembers and Veterans understand and apply for VA benefits, including:

  • Financial support (monthly payments) Education
  • Vocational Rehabilitation & Employment (VR&E)
  • Home loans
  • Life insurance
  • Pension
  • Health care
  • Burial benefits

These trained professionals can also:

  • Help gather supporting documents (like a doctor’s report or medical test results)
  • File a claim or appeal on their behalf
  • Provide added support, like helping with transportation to medical appointments or emergency funds

The HFX VSO Program at a Glance

  • The HFX VSO program works with all three divisions of the U.S. Department of Veterans Affairs.

  • The HFX VSO Program will launch through its Veteran-owned non-profit organization “American Veteran Services”.
  • HFX VSOs will supply a multi-purpose Wings™ eligibility and payment card to each U.S. Servicemember and Veteran who needs assistance. The card may be used to load their disability and/or education compensation, consolidating the benefits that they have access to on a single card, creating an audit tool for each Servicemember or Veteran. In addition, if the Servicemember or Veteran qualifies for health insurance through the VA, the card can be used as an eligibility ID card when visiting in/out-of network medical facilities.

  • HFX Certified VSOs can start their own businesses that are geared towards helping other Servicemembers, Veterans, and their dependents with benefit and claim assistance. Through our Wings™ program and the HFX coalition, we can offer ancillary employment opportunities to veterans helping to supplement their income.
  • HFX, together with Colonial Life, will provide the necessary training and certification through The HFX Veteran Wings™ hiring program.
  • HFX is deploying 1,000+ VSOs across all 50 states in over 800 cities.
  • Our VSOs have the ability to track and monitor veterans in need through a VA claim and benefit record database.

Note: Veteran Service Officers work for Veteran Service Organizations (both are called VSOs), as well as for local government offices


Click on the PDF icon below to download the HFX VSO Program Overview document.


An accredited Veteran Service Officer (VSO) can do almost anything the veteran can do with a claim or appeal. A VSO can file a claim, add to a claim or withdraw a claim. There are only two claims a VSO cannot make in behalf of a veteran; A VSO cannot file an original claim or sign an annual income verification report for VA pension benefits. (A VSO can file an informal original claim in behalf of a Veteran, but the Veteran must sign and submit a formal claim within one year to preserve the date of claim.) Your organization might have some rules of their own about what a VSO can or cannot do, especially in regards to withdrawing a claim or appeal or canceling a hearing, but the law permits these actions. And of course, always remember that the claim is the Veterans’ claim, not yours; you must always act in his/her best interest.

An accredited VSO has access to the Veterans records and can view the contents of the claims folder or the automated record. If the release of this information would be injurious to the health of the Veteran, release may be restricted, but this happens only in rare occasions. As you complete this course, you will learn about the VA’s computers systems and what information is available to you.


As a VSO, you represent the claimant and are acting in his/her behalf. You cannot submit information that is false or fraudulent, nor can you knowingly submit false or fraudulent material you receive from the claimant. If you suspect that information given to you by the claimant is fraudulent, you have a responsibility to advise them that such a submission is against the law and could result in criminal prosecution. If they continue to insist, you should advise your organization as this would be a valid reason to withdraw representation. You also have responsibility to the VA to report a fraudulent act if you know about it.

In most other situations, your responsibility is to the claimant, and you are expected to act in their best interest. If you believe the interests of the claimant clash with those of the VA, you should act in behalf of the claimant so long as you don’t do anything illegal or unethical. Your responsibilities to the claimant are to preserve their privacy and to act in their best interests.

Summary of VA Benefits

Click the button below to learn more about the many benefits that VSOs can assist with.