What Is Trajector Medical?
Trajector Medical, formerly known as Vet Comp & Pen Medical Consulting, is a private, veteran-owned company founded in 2014 that provides medical evidence development services to veterans pursuing VA disability benefits. The company helps veterans gather medical records, arrange independent medical opinions, and organize documentation to support disability claims, but it does not file claims with the VA or represent veterans before the agency.
Quick Facts
| Item | Details |
|---|---|
| Benefit | Medical evidence development for VA disability claims |
| Eligibility | U.S. military veterans and service members |
| Application | Online consultation and enrollment |
| Processing Time | Varies by case complexity |
| Official Agency | Private company (not VA-accredited) |
| Required Forms | No VA forms required; private service agreement |
| Updated For | 2026 |
What Services Does Trajector Medical Offer?
Trajector Medical provides medical evidence development services for veterans pursuing VA disability benefits. The company gathers medical records, arranges independent medical opinions, and compiles documentation packets that veterans submit to the VA. Trajector does not prepare or file VA claim forms, and it is not a VA-accredited claims agent or attorney.
Medical Evidence Development
Trajector’s core service is building a personalized medical evidence packet. This includes reviewing a veteran’s complete medical history and military service record, identifying symptoms connected to VA-recognized disabilities, and documenting service connection, compensable severity, and secondary conditions.
Exam Orientation and Decision Review
The company offers an Exam Orientation Session to help veterans understand medical examination standards before attending a C&P exam. After a VA rating decision, Trajector reviews the decision to identify evidence that may have been overlooked and can refer veterans to an accredited claims attorney network for appeals.
What Trajector Medical Does Not Do
Does not file VA disability claims
Does not represent veterans before the VA
Does not prepare VA claim forms
Is not a VA-accredited claims agent or attorney
Is not a Veterans Service Organization (VSO)
How Much Does Trajector Medical Cost?
Trajector Medical charges a fee equivalent to five times the total increase in a veteran’s monthly VA compensation. In practice, fees range from about $4,500 to more than $20,000 per veteran. The company states that veterans pay only if their benefits increase based on the medical evidence provided.
Fee Structure in Detail
According to a fee agreement Trajector submitted to Congress in 2022, the standard charge is five times a veteran’s new monthly VA compensation in certain circumstances. For example, if a veteran’s monthly VA payment increases by $1,000, Trajector’s fee would be $5,000.
How Trajector Tracks Benefit Increases
An NPR investigation revealed that Trajector uses an automated robo-dialer system called “CallBot” to dial into the VA benefits phone hotline. The system enters the veteran’s Social Security number to monitor increases in VA benefit payments. If CallBot detects an increase, it automatically sends a bill to the veteran—even if Trajector did not help secure that increase.
Trajector Medical Bankruptcy: What Veterans Need to Know
Veterans May Qualify for Extra Benefits
Check available financial assistance, healthcare programs and other opportunities that may apply to you.
Check EligibilityTrajector Medical and 21 affiliated companies filed for Chapter 11 bankruptcy protection on July 23, 2026, in the U.S. Bankruptcy Court for the Middle District of Florida. The bankruptcy filing halted a pending nationwide class-action lawsuit accusing the company of deceptive practices and charging veterans up to $20,000 for VA benefits assistance.
Bankruptcy Filing Details
| Item | Details |
|---|---|
| Case Name | In re: Trajector Holdings, LLC |
| Case Number | 3:26-bk-03286-JAB |
| Court | U.S. Bankruptcy Court, Middle District of Florida, Jacksonville Division |
| Filed | July 23, 2026 |
| Affiliated Entities | 22 companies |
| Assets | Approximately $405 million |
| 2025 Revenue | Nearly $280 million |
| Employees | More than 450 |
Proof of Claim Deadline
Veterans who paid Trajector Medical for VA disability claim assistance may have claims in the bankruptcy. The Bankruptcy Court initially set October 1, 2026, as the General Claims Bar Date, then extended it to October 31, 2026.
How to File a Proof of Claim
Proofs of Claim may be submitted electronically through the Court-authorized bankruptcy claims administrator at veritaglobal.net/trajector. Claims may also be mailed to Trajector Claims Processing Center, c/o KCC dba Verita, 222 N. Pacific Coast Highway, Suite 300, El Segundo, California 90245. Mailed claims must be received by the deadline.
Filing a Claim Does Not Affect VA Benefits
Filing a Proof of Claim in Trajector’s bankruptcy does not cancel, reduce, or otherwise alter a veteran’s entitlement to VA disability benefits. The Proof of Claim simply asserts that the veteran may be owed money by Trajector Medical. It does not reopen or change the veteran’s VA disability rating or underlying VA benefits award.
Legal Investigations and Lawsuits
The attorneys general of New York and Illinois are investigating Trajector Medical and have told a federal bankruptcy court they intend to take legal action over what they describe as fraudulent and deceptive business practices. A federal class-action lawsuit filed in April 2026 accuses Trajector of charging veterans thousands of dollars for VA disability claims help the company was not accredited to provide.
The Core Legal Issue
Under 38 CFR Part 14, only VA-accredited attorneys, claims agents, or Veterans Service Organization representatives may charge a fee for helping a veteran with an initial disability claim. Assistance with an initial claim is generally supposed to be free. The class action alleges that Trajector Medical operated outside that accreditation system while still performing work the law defines as representation, including collecting medical records, filling out and organizing forms, and advising veterans on how to present their claims.
Trajector’s Defense
Trajector maintains that it is a medical evidence services provider, not a veterans’ representative. The company states that its work is “separate and distinct” from the offerings of VA-accredited representatives and falls outside the scope of VA accreditation requirements. Trajector spokesman Steve Zenofsky told NPR that the company stands behind how it operates and is focused on the veterans it serves.
Trajector Medical vs. VA-Accredited Representatives
Understanding the difference between Trajector Medical and VA-accredited representatives is critical for veterans seeking help with disability claims.
| Feature | Trajector Medical | VA-Accredited VSO Representative | VA-Accredited Attorney/Claims Agent |
|---|---|---|---|
| VA Accreditation | No | Yes | Yes |
| Cost for Initial Claim | $4,500–$20,000+ | Free | Free for initial claims |
| Can File VA Claims | No | Yes | Yes |
| Can Represent at Appeals | No | Yes | Yes |
| Fee Regulation | Not regulated by VA | Free service | Fee capped by VA |
| Accountability | Private company | VA oversight | VA oversight |
What VA-Accredited Representatives Do
VA-accredited Veterans Service Organization (VSO) representatives provide free assistance with VA benefit claims. They can help veterans gather evidence, file claims, and request decision reviews. Their services are always free.
VA-accredited attorneys and claims agents may charge reasonable fees for services provided during the review or appeal of a claim, but they typically provide services for free on initial claims.
Free Alternatives to Trajector Medical
Veterans have multiple free and low-cost options for help with VA disability claims. These alternatives are accredited, regulated, and accountable to the VA.
Veterans Service Organizations (VSOs)
VSOs like the VFW, American Legion, Disabled American Veterans (DAV), and Paralyzed Veterans of America provide free claims assistance. Accredited VSO representatives can help with initial claims, appeals, and decision reviews at no cost.
VA Accreditation Search Tool
Veterans can verify whether an individual or organization is accredited by using the VA Accreditation Search Tool. Only work with a VA-accredited attorney, claims agent, or VSO representative.
How to Find Free Help
Visit VA.gov and use the VA Accreditation Search Tool
Contact a VSO directly (VFW, DAV, American Legion, etc.)
Submit VA Form 21-22 to appoint a VSO as your representative
File a claim directly with VA—VA will help gather evidence for initial claims at no cost
Common Mistakes to Avoid
Veterans considering Trajector Medical or similar companies should be aware of these pitfalls.
Mistake 1: Assuming You Must Pay for Claims Help
Federal law requires that veterans receive free assistance with initial disability claims. VA-accredited VSOs provide this service at no cost. There is no requirement to pay a private company for claims help.
Mistake 2: Not Verifying VA Accreditation
Before signing any agreement with a company offering claims assistance, verify their VA accreditation status using the VA Accreditation Search Tool. Trajector Medical is not VA-accredited.
Mistake 3: Signing Binding Contracts Without Understanding Terms
Predatory companies often require binding contracts and charge fees tied to a percentage of benefits. VA regulations prohibit these practices for unaccredited entities.
Mistake 4: Missing the Bankruptcy Proof of Claim Deadline
Veterans who paid Trajector Medical may have claims in the bankruptcy. The deadline to file a Proof of Claim is October 31, 2026. Missing this deadline may affect a veteran’s ability to recover.
Mistake 5: Confusing Medical Evidence with Claims Representation
Trajector Medical provides medical evidence development, not claims representation. Veterans who need help filing or appealing a claim should work with a VA-accredited representative.
Latest Rule Changes and Enforcement Actions
VA Claims Predator Campaign
VA has launched a communications campaign to educate veterans about “claims predators”—unaccredited companies that charge veterans illegal or excessive fees for claims assistance. VA strongly advises against working with unaccredited companies and individuals.
State-Level Actions
Since 2024, Trajector Medical has suspended services in 23 states where local laws prevent, severely limit, or impose undue risks on continued operations. The company’s revenue in the first half of 2026 declined approximately 60 percent compared to the prior year.
Congressional Action
Congress has introduced legislation to protect veterans from unaccredited claims representatives. The VA Claim Sharks Effective Warnings Act would require VA to warn veterans about the risks of working with unaccredited companies.
FTC Warning
The Federal Trade Commission has warned veterans about scams involving companies that charge fees for VA benefits assistance. The FTC advises veterans to work only with VA-accredited representatives.
Common Questions
1. Is Trajector Medical a scam?
Trajector Medical is a legally operating private company, but it is not VA-accredited and is under investigation by the attorneys general of New York and Illinois for allegedly fraudulent and deceptive business practices. The company faces a federal class-action lawsuit and has filed for Chapter 11 bankruptcy. Veterans should exercise caution and consider free VA-accredited alternatives.
2. Is Trajector Medical VA-accredited?
No. Trajector Medical is not a VA-accredited attorney, claims agent, or Veterans Service Organization. The company states in its own materials that it does not prepare or file VA claim forms and is not a VA-accredited claims agent.
3. How much does Trajector Medical charge?
Trajector Medical charges a fee equivalent to five times the total increase in a veteran’s monthly VA compensation. In practice, fees range from about $4,500 to more than $20,000.
4. What happened to Trajector Medical?
Trajector Medical and 21 affiliated companies filed for Chapter 11 bankruptcy on July 23, 2026, in the U.S. Bankruptcy Court for the Middle District of Florida. The filing halted a pending nationwide class-action lawsuit accusing the company of deceptive practices.
5. Do I need to file a Proof of Claim in the Trajector bankruptcy?
Veterans who paid Trajector Medical for VA disability claim assistance may have claims in the bankruptcy and should consider filing a Proof of Claim. The deadline is October 31, 2026. Filing a Proof of Claim does not affect VA disability benefits.
6. Can Trajector Medical sue me or send me to collections?
Trajector Medical may attempt to collect unpaid fees through collections or legal action. However, veterans who believe they were charged illegally should consult with a consumer protection attorney or their state attorney general’s office.
7. What free alternatives exist to Trajector Medical?
Free alternatives include VA-accredited Veterans Service Organizations (VSOs) like the VFW, American Legion, DAV, and Paralyzed Veterans of America. These organizations provide free claims assistance and are regulated by VA.
8. How do I find a VA-accredited representative?
Use the VA Accreditation Search Tool on VA.gov to find and verify VA-accredited attorneys, claims agents, and VSO representatives in your area.
9. Is it illegal for companies to charge for initial VA claims help?
Yes. Under 38 CFR Part 14, only VA-accredited attorneys, claims agents, or VSO representatives may charge a fee for helping a veteran with an initial disability claim, and even then, the fee structure is limited. Assistance with an initial claim is generally supposed to be free.
10. What should I do if I paid Trajector Medical and feel I was overcharged?
Veterans who believe they were overcharged should consider filing a Proof of Claim in the Trajector bankruptcy by October 31, 2026. They may also file a complaint with their state attorney general’s office, the FTC, or the Better Business Bureau. Consulting with a consumer protection attorney is recommended.
11. Does Trajector Medical file VA claims for veterans?
No. Trajector Medical does not prepare or file VA claim forms. The company provides medical evidence development services that veterans submit with their own claims.
12. What is the CallBot system?
CallBot is an automated robo-dialer system Trajector uses to dial into the VA benefits phone hotline. The system enters the veteran’s Social Security number to monitor increases in VA benefit payments and automatically sends bills when increases are detected.
13. Will filing a Proof of Claim in the Trajector bankruptcy affect my VA benefits?
No. Filing a Proof of Claim in Trajector’s bankruptcy does not cancel, reduce, or otherwise alter a veteran’s entitlement to VA disability benefits. It simply asserts that the veteran may be owed money by Trajector Medical.
14. What states have Trajector Medical suspended services in?
Since 2024, Trajector Medical has suspended services in 23 states where local laws prevent, severely limit, or impose undue risks on continued operations.
15. How can I protect myself from claims predators?
Only work with VA-accredited attorneys, claims agents, or VSO representatives. Verify accreditation using the VA Accreditation Search Tool. Never sign binding contracts that charge a percentage of your VA benefits. Remember that free help is always available through VSOs.
Key Takeaways
Trajector Medical is not VA-accredited and does not file VA claims or represent veterans before the agency.
The company charges fees ranging from $4,500 to over $20,000, calculated as five times a veteran’s monthly benefit increase.
Trajector Medical filed for Chapter 11 bankruptcy on July 23, 2026, halting a nationwide class-action lawsuit.
Veterans who paid Trajector may file a Proof of Claim by October 31, 2026, through the court-authorized claims administrator.
The attorneys general of New York and Illinois are investigating Trajector for fraudulent, illegal, and deceptive business practices.
Free, VA-accredited help is available through Veterans Service Organizations like the VFW, American Legion, and DAV.
Federal law requires free assistance for initial VA disability claims—veterans should never pay for initial claims help.
Filing a Proof of Claim in the bankruptcy does not affect VA disability benefits.
VA has launched a “claims predator” campaign to warn veterans about unaccredited companies charging illegal fees.
Veterans should verify VA accreditation using the VA Accreditation Search Tool before signing any agreement.
Official Resources
VA Accreditation Search Tool: va.gov/ogc/apps/accreditation/
VA VSO Assistance: va.gov/get-help-from-accredited-representative/
VA Claims Predator Warning: va.gov/claims-predators/
FTC Veteran Scam Warning: consumer.ftc.gov
Trajector Bankruptcy Claims: veritaglobal.net/trajector
VA Form 21-22 (Appoint VSO): va.gov/find-forms/about-form-21-22/
USA.gov Veterans Benefits: usa.gov/veterans-benefits
🇺🇸 IMPORTANT DISCLAIMER – Veterans Benefits Information
This site provides general information about U.S. Department of Veterans Affairs (VA) benefits for educational and informational purposes only.
- Not Official: We are NOT affiliated with, endorsed by, or connected to the U.S. Department of Veterans Affairs (VA), the Veterans Benefits Administration (VBA), the Veterans Health Administration (VHA), or any other government agency.
- No Legal/Financial Advice: The content on this website is for informational purposes only and does not constitute legal, financial, or medical advice. VA benefits rules change frequently – always consult with an accredited Veterans Service Officer (VSO) or a qualified professional for your specific situation.
- Official Sources: For official, binding information and to apply for benefits, always visit official .gov websites: VA.gov, Benefits.VA.gov, or SSA.gov.
- No Data Collection: This site does not collect, store, or process any personal information. It does not have login forms, contact forms, or any system to capture user data. We never ask for your Social Security Number, bank details, or any personal information.
- 🚨 Scam Alert: The VA and other government agencies never charge fees for benefit applications. If anyone asks for money to "process" your VA claim, it is a scam. Report it to the VA Office of Inspector General at VA.gov/OIG.
- Advertising: This site uses third-party advertising (Adsterra) to cover operational costs. We do not endorse or guarantee any products or services advertised.
📌 Information provided as of June 2026. Always verify current eligibility and rules with official .gov sources.
This site is not affiliated with the U.S. Department of Veterans Affairs or any government agency. All information is for educational purposes only. Please visit VA.gov for official information.
