Add VSO meeting quick reference guide

projects/va-strategy/VSO-MEETING-QUICK-GUIDE.md

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+# VSO Meeting Quick Reference Guide
+## 9:30 AM CST - February 11, 2026
+
+**Current Rating:** 60% combined  
+**Goal:** 100% (via TDIU or schedular increases)
+
+---
+
+## YOUR CURRENT RATINGS
+
+| Condition | % | Notes |
+|-----------|---|-------|
+| PTSD | 30% | Can increase to 50-70% |
+| Thoracic spine | 20% | |
+| Left sciatica | 10% | Bilateral |
+| Right sciatica | 10% | Bilateral |
+| Cervical strain | 10% | |
+| Hernia scars | 0% | |
+| Hernia (repaired) | 0% | |
+
+**Previously DENIED:** Sleep apnea ← Need supplemental claim!
+
+---
+
+## TOP 3 PRIORITIES FOR TODAY
+
+### 1. FILE TDIU (Form 21-8940) ✅ HIGHEST PRIORITY
+**Why:** You already qualify! 60% combined + hypersomnia threatening CDL = strong case  
+**Result if approved:** 100% compensation ($3,938/month) WITHOUT needing 100% schedular  
+**Ask VSO:** Can we file this TODAY?
+
+### 2. SLEEP APNEA SUPPLEMENTAL CLAIM (Form 20-0995)
+**Why:** Was previously denied, but you have NEW evidence:
+- Nexus statement (already written!)
+- Hypersomnia diagnosis (recent)
+- CPAP compliance records
+
+**Target rating:** 50% (requires CPAP = automatic 50%)  
+**Impact:** Would push combined rating to 80-84%  
+**Ask VSO:** Can we file this TODAY with nexus statement?
+
+### 3. KOBE'S DEPENDENT BENEFITS (Form 21-686c)
+**Why:** $783.55/month additional if approved  
+**Status:** Have checklist and templates prepared  
+**Need:** Doctor's letter (have template)  
+**Ask VSO:** Review my evidence package, when to file?
+
+---
+
+## EVIDENCE YOU HAVE READY
+
+✅ Nexus statement for sleep apnea (sleep apnea + hypersomnia secondary to PTSD)  
+✅ Hypersomnia diagnosis documentation  
+✅ Sleep study results  
+✅ CPAP compliance report  
+✅ Kobe VA claim checklist and templates  
+✅ This comprehensive strategy document
+
+---
+
+## KEY QUESTIONS FOR VSO
+
+1. **TDIU:** With my hypersomnia threatening CDL, what are my chances? File today?
+2. **Sleep Apnea:** With nexus evidence, what's approval likelihood?
+3. **PTSD Increase:** File now or wait for new 2026 criteria?
+4. **Secondary Conditions:** Should I file tinnitus secondary to PTSD?
+5. **Timeline:** Realistic timeframe for each claim?
+6. **Can you help me file claims TODAY?**
+
+---
+
+## CRITICAL FACTS TO MENTION
+
+- **Hypersomnia diagnosed recently** - excessive daytime sleepiness despite CPAP
+- **Threatens CDL** - required for my job as school bus driver
+- **Age 51** - limited ability to retrain for other work
+- **Sleep apnea was previously DENIED** - need supplemental claim with new evidence
+- **Have strong nexus evidence** - linking sleep apnea to service-connected PTSD
+
+---
+
+## POTENTIAL OUTCOMES
+
+**Best Case:**  
+TDIU approved + Sleep apnea at 50% = 100% compensation  
+**Monthly:** $3,938.58 (+$2,503/month)  
+**With Kobe:** $4,722 (+$3,287/month)
+
+**Moderate Case:**  
+Sleep apnea 50% + PTSD increase = 85-90% combined  
+**Monthly:** ~$2,297-2,362 (+$900/month)  
+Then file TDIU
+
+**Timeline:** 6-12 months for TDIU, 6-10 months for sleep apnea
+
+---
+
+## NEXT STEPS AFTER MEETING
+
+**This Week:**
+- [ ] File TDIU (Form 21-8940) - if not done at meeting
+- [ ] File sleep apnea supplemental (Form 20-0995)
+- [ ] Get nexus statement signed by doctor
+- [ ] Write detailed lay statements
+
+**Next 2 Weeks:**
+- [ ] Schedule doctor appointments (sleep specialist, Dr. Wall, psychiatrist)
+- [ ] Gather all medical records
+- [ ] Upload evidence to va.gov
+- [ ] Monitor claim status
+
+---
+
+## DOCUMENTS TO BRING
+
+- [x] This quick guide
+- [x] Full strategy document (VA-STRATEGY-100-PERCENT-ROADMAP.md)
+- [ ] Current VA rating decision (60%)
+- [ ] Previous sleep apnea denial letter
+- [ ] Hypersomnia diagnosis
+- [ ] Sleep study results
+- [ ] CPAP compliance report
+- [ ] Nexus statement (updated with hypersomnia)
+- [ ] Kobe's documentation
+
+---
+
+**Remember:**  
+✅ TDIU is your fastest path to 100%  
+✅ You already meet eligibility requirements  
+✅ Hypersomnia threatening CDL = strong TDIU case  
+✅ Sleep apnea supplemental has high approval probability  
+✅ File as much as possible TODAY with VSO help
+
+**You've got this!** 💪