What if I am service-connected for PTSD but feel that my rating should be higher?

You can appeal the percentage of the PTSD rating if the window for appeal is open, or you could file a claim for a higher rating.  Or you could have an attorney review your file to determine if the VA made an error in assigning a percentage, even if the appeal deadline has passed.  

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What if I am approved for TDIU, and the VA has established my effective date as the date I filed my TDIU application, but in reality, I was unemployable long before that date? 

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Do I need a physician's opinion?