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200 West MLK Blvd., Suite 1000, Chattanooga, TN. drhoward@veteranvoiceexams.com 423-662-4555

Forensic Psychology · VA Disability Evaluations

Your Service Deserves
Recognition & Fair
Compensation.

Defensible psychological evaluations and nexus documentation for veterans pursuing VA disability claims — and for the attorneys, courts, and families who support them.

Not here for VA? Dr. Howard also handles criminal & civil forensic matters →

How I Support Your Claim

Personalized mental health evaluations
to support disability claims and fair compensation.

Call Dr. Howard 423-662-4555
  • Independent Exams & DBQs
  • Nexus Letters
  • TDIU Letters
  • PTSD & MST Evaluations
  • Telepsychology (PSYPACT)

About Dr. Howard

I'm Dr. David Howard – Forensic Psychologist serving veterans and the courts.

Based in Chattanooga, Tennessee, I've completed more than 7,000 compensation and pension (C&P) exams across a career in Psychology that began in the 1980s. My work focuses on clear, defensible nexus letters and DBQ documentation aligned to VA standards.

Defensible documentation. Honest assessment. Veterans deserve both.

David H. Howard, Psy.D. | Clinical & Forensic Psychology

More About Me
7,000+ Assessments Completed
40+ Years in Practice
3 State Licenses Held
PSYPACT Telepsychology Authorized

My Practice

Veteran disability & forensic evaluations.

Two service tracks under one practice — built around precise documentation, individualized assessment, and the credibility VA reviewers, attorneys, and courts expect.

Veterans

Independent evaluations, nexus letters, TDIU letters, and DBQ support for VA disability claims.

Attorneys

Forensic evaluations and expert opinions for criminal and civil matters, retained or court-appointed.

Courts

Competence to stand trial, NGRI evaluations, and other psycholegal questions referred by the bench.

Telepsychology available across PSYPACT states.

  • AL
  • AR
  • AZ
  • CNMI
  • CO
  • CT
  • DC
  • DE
  • FL
  • GA
  • ID
  • IL
  • IN
  • KS
  • KY
  • MD
  • ME
  • MI
  • MN
  • MO
  • MS
  • MT
  • NC
  • ND
  • NE
  • NH
  • NJ
  • NV
  • OH
  • OK
  • PA
  • RI
  • SC
  • SD
  • TN
  • TX
  • UT
  • VA
  • VT
  • WA
  • WI
  • WV
  • WY

View the current list at psypact.org →

Service Offerings

Trusted evaluations for VA claims
and forensic matters.

Independent Exam & DBQ

Full psychological assessment using VA C&P-aligned standards with supporting clinical notes.

Learn More →

Nexus Letter

Well-reasoned medical opinion connecting your diagnosis to service, written to VA standards.

Learn More →

TDIU Letter

Focused opinion addressing unemployability due to service-connected mental health conditions.

Learn More →
⏱︎ Currently Accepting New Cases Veterans, attorneys, and referring clinicians welcome.

Types of Claims Supported

Three paths to service connection.

Every claim is different. I evaluate and document all three forms of service connection recognized by the VA, matched to the evidence in your record.

  • Direct service connection
  • Secondary service connection
  • Aggravation service connection

Transparent Pricing

Clear fees. No hidden costs.
Every report personally completed by Dr. Howard.

Independent Exam / DBQ

$750

flat fee per evaluation

  • Full assessment to VA C&P standards
  • Supporting clinical notes
  • In-person or telepsychology

Exam / DBQ + Nexus

$1,425

combined package

  • Independent Exam & DBQ
  • Cohesive nexus opinion
  • Submitted as a single package

Nexus / TDIU Letter

$750

up to 3 conditions

  • Service connection opinion
  • Additional conditions: $100 each
  • TDIU letters available

Ask for rush service for an extra $400 — 48-hour turnaround, subject to scheduling.

My role is to document what's true — clearly, ethically, and in a form the VA will take seriously.

— David H. Howard, Psy.D.

The Process

A clear, three-step path
from inquiry to report.

Most evaluations follow the same simple sequence. You'll know what's expected at every stage, and you'll always work directly with me — not a contractor or assistant.

  1. Initial Inquiry

    Brief call to discuss your situation, the documents you have, and whether an evaluation is appropriate.

  2. Records Review & Scheduling

    I review your service records and treatment history, then we schedule the evaluation in person or via telepsychology.

  3. Evaluation & Report

    You receive a defensible, VA-aligned report — DBQ, nexus letter, TDIU opinion, or the combination your case requires.

Veterans' Resources

Common questions from veterans
navigating VA claims.

What is a C&P exam, and what should I expect?

A Compensation & Pension exam is a medical or psychological evaluation requested by the VA to help determine whether a condition is related to your military service and how severely it affects your daily functioning. It is not a treatment appointment — the examiner is not your doctor, and the purpose is evaluation, not care.

For mental health claims like PTSD, depression, or anxiety, the examiner will review your records, ask about your symptoms, and assess how your condition affects your work and social functioning. Be honest and thorough: describe your worst days, not just your average ones.

What is a nexus letter, and do I need one?

A nexus letter is a written medical opinion that establishes a connection between your current diagnosis and your military service. The VA requires the opinion to be stated to the standard of "at least as likely as not" and supported by a clear rationale.

Not every claim requires one, but many veterans benefit from a nexus letter when their claim was denied for lack of service connection, when the C&P examiner gave a negative opinion, when the condition emerged years after service, or when claiming a secondary condition.

How do I service-connect a mental health condition?

You generally need three things: a current diagnosis recognized in the DSM-5 (such as PTSD, major depression, or anxiety); an in-service event, injury, or stressor; and a medical nexus connecting the two.

Direct service connection means the condition was caused by something during service. Secondary service connection means it was caused or worsened by an already service-connected disability — for example, depression developing because of chronic service-connected pain.

Why are so many veterans underrated for PTSD?

C&P exams are often brief. An examiner may see a veteran on a relatively stable day and miss the full picture of their functioning. Veterans who are articulate or present well can appear less impaired than they actually are.

An independent psychological evaluation provides a more thorough, documented picture of how PTSD is truly affecting your work, relationships, and daily life — which is the basis on which the VA assigns ratings.

Can I file an MST claim without official documentation?

Yes. Because Military Sexual Trauma is frequently not reported when it occurs, the VA applies a relaxed evidentiary standard for MST-related claims and does not require official documentation of the incident.

Other forms of evidence can support your claim, including statements from fellow service members, personal journals, behavioral changes noted in service records, or a change in duty station. You are also eligible for free VA mental health treatment for MST-related conditions regardless of claim status.

How does the VA tell TBI and PTSD apart?

TBI is a physical brain injury caused by force — blast exposure, vehicle accidents, falls. PTSD is a psychological response to a traumatic event. They share many symptoms (sleep problems, irritability, memory issues), which is why they're often confused or one is missed when both are present.

The VA generally won't rate duplicate symptoms twice, but veterans may still receive separate ratings for distinct TBI residuals — like headaches, vestibular problems, or cognitive deficits — that go beyond what the PTSD rating addresses.

Have a question that isn't covered here? Get in touch — I'll respond personally.

Direct Contact

Contact Dr. Howard.

Please avoid sending sensitive health, legal, or case details by email until a secure communication method has been established.

Direct Contact

Phone : 423-662-4555

Email : drhoward@veteranvoiceexams.com

Request Consultation →

Office Address

200 West MLK Blvd., Suite 1000

PMB 3080, Chattanooga, TN 37402

Availability

Mon - Fri : 9 am to 5 pm CT

Telepsychology by appointment

Weekends Closed

Not here for VA services?

Dr. Howard also provides forensic evaluations for criminal and civil matters.

Learn more →