What to Do After Permanent Disability Retirement from Active Duty?

Permanent disability retirement from active duty marks a significant transition in your life. While this change can be challenging, understanding the steps to take and the benefits available can help you adjust to your new circumstances and secure a stable future. The Keener Law Firm has extensive experience in disability law and provides valuable guidance to individuals managing this process. Our knowledgeable attorneys and highly trained staff ensure you receive the benefits and support you deserve.

Understand Your Disability Rating and Benefits

The first step after permanent disability retirement is understanding the disability rating assigned by the military and how it impacts your benefits. Your disability rating determines the percentage of your retired pay and access to other benefits. It is based on the severity of your condition and is evaluated using the Department of Defense (DoD) and Department of Veterans Affairs (VA) guidelines.

Take time to review your retirement orders and disability evaluation results.

This information is vital for calculating your retirement pay and determining your eligibility for additional benefits, including:

• Disability retirement pay: Calculated based on either the percentage of your disability or your years of service, whichever provides a higher amount.
• Healthcare benefits: Eligibility for TRICARE coverage varies depending on your disability status and military service.
• Commissary and exchange privileges: These benefits are retained for permanently disabled retirees.

The Keener Law Firm will help your review your disability rating and identifying any errors or discrepancies. If you believe your disability rating is inaccurate, our team will guide you through the appeals process, including representation before the Physical Disability Board of Review (PDBR).

Apply for Veterans Affairs (VA) Benefits

In addition to military retirement benefits, you may be eligible for VA benefits, which can significantly enhance your financial and medical support. The main programs to consider applying for include:

• VA Disability Compensation: Tax-free monthly payments based on your service-connected disability.
• VA Healthcare: Comprehensive medical services through VA facilities, including specialized care for disabled veterans.
• Vocational Rehabilitation and Employment (VR&E): Assistance with job training, education, and employment placement if you can work despite your disability.

File a VA benefits claim as soon as possible to ensure there is no delay in receiving benefits. The Keener Law Firm’s experienced attorneys help clients complete and submit VA claims accurately, increasing your likelihood of approval and avoiding common pitfalls.

Explore Additional Healthcare Options

Maintaining access to quality healthcare is essential after permanent disability retirement. While TRICARE and VA healthcare are primary options, you may want to explore supplemental coverage to meet your unique needs.

• TRICARE: As a retiree, you may qualify for TRICARE Prime, TRICARE Select, or TRICARE for Life, depending on your age and eligibility.
• Medicare: If you are over 65 or qualify due to a disability, Medicare can complement TRICARE or VA healthcare.
• Private Insurance: Some individuals opt for private insurance to fill gaps in coverage or gain access to additional providers.

The Keener Law Firm always provides insights on how to coordinate various healthcare benefits, ensuring you and your family receive the best possible coverage.

Understand Employment and Career Transition Options

Many disabled retirees want to continue working in some capacity, either to supplement their income or to stay active and engaged. Depending on your condition and interests, there are several options available:

• Federal Employment: The federal government gives hiring preference to disabled veterans, offering access to positions with competitive pay and benefits.
• Education and Training: Use your Post-9/11 GI Bill or VR&E benefits to pursue higher education or certifications that prepare you for a new career.
• Self-Employment: Starting your own business allows you to work at your own pace and tailor your work environment to your needs.

Programs such as the VA’s Vocational Rehabilitation services or the Department of Labor’s Veterans’ Employment and Training Service (VETS) can provide guidance on employment and career transitions. If you’re unsure where to begin, The Keener Law Firm can help you understand how disability benefits interact with employment opportunities.

Managing Your Finances

Proper financial management is essential after permanent disability retirement. With changes in income and expenses, creating a clear budget will help you maintain financial stability.

These are some important steps to take:

• Calculate your monthly income from disability retirement pay and VA benefits to establish a baseline. Account for premiums, co-pays, and other out-of-pocket medical expenses.
• Set aside funds to cover unexpected costs, such as home repairs or unanticipated medical needs.
• Work with a financial advisor to explore retirement accounts or investment opportunities that align with your goals.

The Keener Law Firm can provide referrals to trusted financial planners who specialize in assisting veterans and disabled individuals.

Seek Emotional and Mental Health Support

Adjusting to life after permanent disability retirement will be emotionally challenging. You may face difficulties coming to terms with your new identity, dealing with physical limitations, or managing stress and anxiety.

• Counseling Services: Both the VA and private organizations offer individual and family counseling to address emotional and psychological challenges.
• Support Groups: Connecting with other veterans through peer support groups can provide a sense of community and shared understanding.
• Recreational Therapy: Participating in adaptive sports or hobbies can improve your overall well-being and help you stay active.

The Keener Law Firm understands the importance of mental health and can connect you with resources to support your emotional well-being.

Engage with Veteran Service Organizations (VSOs)

Veteran Service Organizations (VSOs) can be valuable allies in helping you transition to civilian life. These groups advocate for veterans, assist with benefit applications, and provide resources to support your well-being. Examples of well-known VSOs include:

• Disabled American Veterans (DAV)
• Veterans of Foreign Wars (VFW)
• American Legion

Joining a VSO can also help you stay connected with the veteran community, offering opportunities for camaraderie and shared experiences. The Keener Law Firm often collaborates with VSOs to provide comprehensive support to their clients.

This phase of life offers an opportunity to redefine your goals and priorities while building a future that aligns with your values.

2025 Updated Information About VA and DoD Benefits and Policies

The Keener Law Firm’s attorneys remain updated about the laws and policies regarding military and veteran benefits. Regularly review updates from the VA, DoD, and other relevant agencies to ensure you are maximizing the benefits available to you.