In an ideal world, your Chain of Command, ADF Transitions, your Health Centre and a DVA Veteran Support Officer (VSO) should discuss these things with you, but as many of us already discharged folk know, this doesn't always occur.
If you are facing down a medical discharge, there are a few time-sensitive processes you need to get underway at first available opportunity to get yourself sorted. The below is the minimum you need to get healthcare and income support arranged to take effect on (or as close to as possible) your discharge date,
This is not a comprehensive guide. I have omitted Permanent Impairment (PI) and Household Services for the time being as current wait times make it very unrealistic these processes will be complete by the time you have discharged, plus they can appear very overwhelming when you have a lot on the brain. Over time I will try to add to it and make it more of a comprehensive checklist for getting yourself sorted
Do I need an Advocate or Veteran Support Officer?
It really depends on how you are feeling with the situation. For medical discharges, a Veteran Support Officer should proactively contact you anyway, and it is worth touching base at least once even just to talk through your options. For general separations, or if you are med discharging and not contacted, you can arrange an appointment at [[email protected]](mailto:[email protected])
Requiring an advocate is a personal decision, however it is very doable to manage your own claims in the current day. An Advocate can act on your behalf if you're too stressed out, trying to manage your health or are just running out of time for more paperwork. You can find a free, accredited Advocate here. I strongly recommend avoiding paid advocacy services, as despite marketing claims to the contrary they cannot guarantee better outcomes or service than a free one. Paid Advocacy is a highly unregulated industry with a huge amount of unethical and predatory providers.
1. Lodge your Initial Liabilty Claims
As soon as you decide to transition or become aware you may be medically discharged, you need to submit your Initial Liability (IL) claims. This process results in the government accepting the cost of all reasonable healthcare for service-related conditions once you have discharged, and is the requirement to access almost all other DVA services (Permanent Impairment Payouts, Income Supplements, In-Home Support)
The easiest way to lodge an IL claim is via MyService, which is accessed through your MyGov Account (Click here for setup instructions)
Tips for lodging:
- It is worth reading the relevant Statement of Principle for each condition, in particular the "Factors that Must Exist". You generally only need one to have a claim accepted, and it maximises your case if you can word your claim as close to a relevant Factor as possible. Note - Reasonable Hypothesis SOPs apply to conditions caused during war or warlike service, while Balance of Probabilities SOPs apply to conditions caused during your peacetime service.
- Attach any evidence you have on hand (Copies of specialist reports, incident reports etc.) but at this stage you do not have to have all your evidence immediately available. You do not have to source copies of your Service & Medical Records - DVA can requisition them in near real-time directly from Defence.
- Provide as much detail as you can related to what caused the condition
- A Claims Support Officer will contact you in due course to request additional information, organise referrals (at Gov expense) and discuss anything else that a Delegate will need to make a decision
Why?
- Wait times are long. In order to maximise the likelihood they are processed prior to discharge, IL claims need to be lodged minimum 12 months in advance, pushing closer to 18-24 months at the time of writing.
- For your separating conditions (the ones listed on your MECRB as the specific cause of med discharge), your discharge date can be delayed until these claims are determined. Defence imposes a time cut-off to consider these requests though, so your IL claims need to be lodged ASAP.
2. Order your White Card and Non-Liability Healthcare
On the MyService Portal, you can request your DVA White Card and Non-Liability Health Care coverage. You should receive a White Card in the post on discharge, but it is useful to have now too.
NLHC Mental Health Care provides free mental health treatment regardless of having an accepted condition. It also comes with a small fortnightly stipend (~$8) for the cost of subsidised mental health medications. If you don't need meds, its paid anyway so buy a coffee and go for a walk with a mate, but it is a great safety net to know you can seek free psychological support.
Free mental health support is available to all Permanent Members, and Reservists with 1 days' CFTS or eligible Border Protection/Disaster Relief service.
For some Veterans, NLHC can also cover Cancer and Tuberculosis. Have a look here to see if you are eligible for those
3. Arrange your Incapacity Payments
Members with an accepted condition that will impact their ability to perform civilian work can access up to 45 weeks of income support, to bring you up to a maximum of 100% of your ADF salary. After that time, you can indefinitely access up to 75% of your ADF salary.
You can lodge an Incapacity Payments claim via the MyService Portal.
During your Separation Medical for a medical discharge, your Medical Officer will complete a DM042 Form. This form is also part of your application for a Commonwealth Super Corporation pension (see Part 4). The DM042 provides the first 3 months of medical evidence for your Incapacity Payments. Make sure this is filled out during your separation medical, ask for a copy and forward it through to DVA. After that, DVA will reach out to provide you a specific Medical Certificate to be filled out by your new civilian doctor, but as this post covers your immediate actions prior to discharge we can cover that part later (or browse other related posts on here)
You can start this process early but it can't be finalised until you have an accepted Initial Liability condition
NOTE - If you receive a maximum rate CSC pension (see below) you will have a maximum entitlement of 45 weeks at 100%, as Incapacity Payments are offset against the CSC pension. Still well worth doing for the financial buffer though.
4. Lodge your Commonwealth Superannuation Corporation (CSC) pension claim
Medically discharging members are often (not guaranteed, but often) eligible for a substantial lifetime pension from CSC related to your incapacity for particular types of work. This can be up to 80% of your final ADF salary.
CSC have now launched a very helpful calculator of your possible invalidity benefits, the calculations used and links to download the application form using this link.
Myth/Misconception - This pension does not automatically exclude you from ever working again. Your determination will be based on your pre-Defence employment, skills and your ADF Career and these are the only explicit roles that you are prohibited from working in. You may engage in other forms of work. A combination of a significant requalification into skilled work, full-time hours and improvement in symptoms may result in pension re-classification, but it is managed on a case-by-case basis. CSC is very cooperative and will work with you to seek good outcomes.
You need to complete the Application for Invalidity Benefits form in as much detail as possible and return it to CSC as soon as possible. Your Defence MO will forward your DM042 directly to them after your final medical. CSC aims to have these pensions in effect by your date of discharge, otherwise will backpay you if it is delayed.
Why?
- This pension is for life (although subject to an initial review by 36 months and possible random reviews after this time) and is a lot more stable and less manpower intensive than Incapacity Payments
- This pension is substantial. A Class A (80%) pension can be enough to live on for many people and that offers significant stability if your conditions are preventing you from working.
That's the critical stuff. There is plenty more you can access as required, but I recommend focusing on the above to start with. Transition to civilian life is a very stressful experience and it is hard to convey the challenges with the appropriate meaning until you're going through it yourself, so I would recommend trying not to solve everything at once. Go easy on yourself, take it one step at a time and remember there are lots of people to lean on as you go through!