What supports/options are available to medically released Veterans with disabilities that are caused by non-service related injuries and illnesses?
Even if a service-related illness or injury manifests itself later in life, there is no time limit on when an ill and/or injured Veteran can seek VAC’s rehabilitation services for barriers to re-establishment due to health problems that are primarily resulting from service.
Veterans who medically release from the military are eligible for an insurance program through the Canadian Armed Forces (Canadian Armed Forces Long Term Disability Insurance). Medically released Veterans can also access vocational rehabilitation through this program. Veterans who medically release may be eligible for VAC support including the Career Transition Services, Education and Training Benefit, as well as access to the Public Service Health Care Plan.
What financial support is available for Veterans who are mentally and physically able to work, but have not yet found employment or a source of income?
- Able to work;
- Participated in VAC Rehabilitation Program;
- Were eligible for the Earnings Loss Benefit or the Income Replacement Benefit; but are unable to find employment or are underemployed, may be eligible for the Canadian Forces Income Support (CFIS).
The Canadian Forces Income Support (CFIS) is a non-taxable, monthly income support that provides financial assistance to help meet basic needs such as food and shelter.
VAC’s Education and Training Benefit and Career Transition Services programs would also be available to support Veterans who have not yet found employment or a source of income.
Will Veterans be able to earn any income without reducing the income received from other sources?
To encourage Veterans to engage in activities that are beneficial and meaningful to them, the Income Replacement Benefit will allow recipients to earn up to $20,000 per year from employment before the benefit is adjusted. Employment income in excess of $20,000 will be fully offset dollar for dollar from the IRB amount.
At age 65 how is the 70% IRB calculated? What offsets are considered?
If a Veteran has a diminished earning capacity prior to age 65, Income Replacement Benefit (IRB) may be payable for life. After the Veteran reaches the age of 65, instead of receiving 90 percent of salary at the time of release from the military, the Veteran will receive 70 percent of the IRB amount payable prior to age 65, less offsets. The benefit will be offset by other income sources, such as benefits payable under theCanadian Forces Superannuation Act, commonly known as the CAF military pension.
If a Veteran receives IRB and dies before age 65 due to a service-related injury or illness, what are survivors and orphans eligible for/entitled to?
Survivors of the members and Veterans who have died as a result of a service-related injury or illness are eligible to receive the IRB. The Veteran does not need to be in receipt of the IRB at the time of death. Survivors ount of IRB before offsets the member or Veteran could have received prior to the member or Veteran’s 65th birthday. The amount of the IRB before offsets is reduced when the member or Veteran would have reached the age of 65 to 70% of the member or Veteran’s rate post age 65. Income amounts the survivor receives in respect of the Veteran are offset from the IRB amount.
Orphans’ eligibility for the income replacement benefit will be the same as that for survivors described above. In cases where there is a survivor and orphans, the amount for which the survivor is eligible (before offsets) will be split in two equal shares, with half going to the survivor and half going to the orphan(s). In the absence of a survivor, the orphans will divide the full amount between themselves. There are no offsets to the amount of IRB for orphans.