If I file my informal claim to begin the process, does the financial information on the application go back to the date of the informal claim date or the date of the actual application? I ask this because my mother has a 95,000 annuity that has not annuitized yet but it is scheduled to annuitize this year. I have looked all over the forum for answers to questions about annuities, but can't get a straight answer. One answer said VA does count annuities as assets and another answer said it counted the annuity less fees and taxes. Until I know how the annuity will be treated, I am worried about starting the clock on the Informal Claim...if that is the date that I must account for assets and income. so: 1. Does the asset information on the application need to be completed as of the Informal Claim date or the actual application date 2. How do I account for an annuity that has not annuitized yet? 3. It will annuitize within the first 12 months, so do I have to account for it in the income information also? Thanks for your help!