If you left the ADF without a medical discharge while your health was already affecting your ability to work, you may be eligible for a retrospective assessment to support a claim with Commonwealth Super.
That applies even if you separated voluntarily or on administrative grounds — what matters is whether your physical or mental health was significantly limiting your capacity to work at the time. For many veterans, that has cost them a lifetime of earning potential.
Stage 1 — Standard ADF Discharge Medical
Stage 2 (optional) — CSC Pension Medical
For an accurate CSC pension class determination.
A retrospective medical discharge — the Commonwealth Superannuation Corporation calls it a retrospective invalidity or A-RETRO application — asks CSC to look back at the day you separated from the ADF and decide whether your conditions at that time were severe enough to have qualified you for an invalidity benefit. CSC does not ask whether the conditions were caused by service. If the application succeeds, your separation is reclassified, a class (A, B or C) is assigned and the benefit is calculated from your discharge date, often with a back-payment. VHC supplies the medical evidence: a Chart Review, a Letter of Support and, if the CSC class is to be recommended, a retrospective Permanent Impairment Assessment. $600 + GST per stage.
De-identified CSC Retrospective Discharge Medicals and letters of support. Open any report to see the clinical picture reconstructed as at discharge and the GARP reasoning behind the class recommendation.
See, in convenient video format, exactly what a retrospective discharge medical from VHC looks like.
Retrospective medical discharge assessments attract no government funding, so this work is billed to you directly. Before anything proceeds, we look at what your record actually shows and tell you plainly whether there is a reasonable basis for an assessment. If the evidence is not there, we will say so. If it is, we will walk you through the process and the realistic range of outcomes so you can decide with your eyes open.
The medical evidence to support a retrospective medical discharge.
Everything in Option 1, plus a retrospective Permanent Impairment Assessment so the report can accurately recommend the CSC class of pension.
A retrospective application succeeds or fails on one document. Whether it is written here or by your own GP or specialist, these are the elements CSC needs it to address — and the ones most letters leave out.
The physical or psychological conditions named properly — a specific spinal pathology, a DSM-5 psychiatric diagnosis, and so on. For CSC purposes the condition does not have to be service-caused, but it does have to have been active at the time.
An explicit statement, drawn from the records, that the condition was present, symptomatic and restricting you at or immediately before your discharge date — not simply that you have it now.
How the symptoms would have stopped you meeting ADF fitness standards, performing your day-to-day duties, or deploying, as things stood at the time you left.
CSC classifies on civilian work capacity, so the letter must set out how your retiring impairments limited your ability to take up civilian work suited to your skills, training and qualifications at the date of separation.
The letter should record what was actually reviewed to reach the retrospective opinion — service medical records, civilian GP files, pharmacy dispensing history, hospital admissions and any early DVA material from that period.
And finally the conclusion CSC is looking for: whether, in the doctor’s opinion, the conditions would have met the threshold for a medical separation had the medical board process been completed before you left.
There is no general cut-off, and veterans who separated many years ago do apply successfully. What matters is whether the record still shows what your condition was at the date you left — which is exactly what the Chart Review establishes.
No. CSC and DVA are separate systems with separate tests. A retrospective discharge application does not disturb your DVA claims, and the medical work done for one commonly supports the other.
It helps, but it is not essential. Restricted employment classifications, changed duties, failed fitness tests and repeated medical review all demonstrate the same thing — that your conditions were already stopping you doing the job.
Most of the veterans we assist did. Separating at your own request does not prevent an application; the question is whether, on the medical facts as they stood, you should have been discharged medically instead.
Whether grounds existed on which you could have been medically transitioned from the ADF, judged on the conditions present at your transition date. It is not a review of why you actually left. The assessment runs under Rule 30 of the Military Superannuation and Benefits Act 1991, section 31A of the Australian Defence Force Cover Act 2015 or section 37 of the Defence Force Retirement and Death Benefits Act 1973, depending on your scheme.
No. CSC only needs to be satisfied that a diagnosed condition was present and causing you symptoms or restrictions when you transitioned. Service causation is a DVA test, not a CSC one — which is why a claim DVA has never accepted can still carry a retrospective invalidity application.
If CSC accepts that grounds existed, it then makes a second and separate decision on your level of incapacity and classifies you Class A, Class B or Class C. Class A and Class B carry an invalidity benefit; Class C does not. Approval and classification are two different decisions, and the retrospective impairment report is aimed squarely at the second one.
No. One retrospective decision per period of service — if you disagree with it, the remedy is reconsideration rather than a fresh application. You also cannot apply if you were medically transitioned and CSC has already assessed you for invalidity benefits for that same period. If you served over more than one period, you tell CSC which period or periods you want assessed.
The A-RETRO application form, emailed to formsandapplications@csc.gov.au. CSC asks you to supply supporting medical reports for each condition, your CV or a list of employment history and qualifications, evidence from employers where your conditions have affected work since transition, photo identification (licence front and back, or a passport current or expired within the last two years) and a TFN declaration. If you have already lodged an earlier version of the form (A-Retro 10-20 or 12-23) you do not need to reapply.
It will usually obtain your ADF medical and personnel records from around the time you transitioned, and may also review your DVA and Open Arms files. Independent medical evidence is accepted as well — obtained at the time or long afterwards — provided it addresses diagnosed conditions and speaks to your restrictions as at the date you left. That is exactly what the Chart Review and Letter of Support are built to do.
There can be, and they are worth understanding before you lodge. DVA payments may be reduced or ceased, and DVA can recover an overpayment out of your CSC arrears — or directly from you if the arrears do not cover it. There can be Centrelink and Child Support implications, and you may need to amend earlier tax returns. If you held lifePLUS Protect auto cover and are later classified Class A or B, that cover is treated as never validly held: it is cancelled and the premiums are refunded to your ADF Super account. We are not financial advisers, and CSC itself recommends getting advice on this before applying.
Longer than most people expect. CSC has reported a significant rise in retrospective applications and delays simply in allocating them to a case manager. Each assessment then varies with the volume of records to be reviewed and the time taken to chase further evidence. The one part of that timeline you control is arriving with the medical evidence already complete and organised.
Each stage is $600 + GST, paid only after that stage is delivered. Option 1 is the Chart Review and Letter of Support; Option 2 adds the retrospective impairment consultation and report where a class recommendation is needed.
The expert in veterans’ medicolegal medicine — Expert DVA Doctor.








Dr Thomas Perkins is the founding doctor at the Veterans Health Centre in Ipswich, Queensland, and the leading expert in veterans’ medicolegal work in Australia. He has spent over 13 years working exclusively with current and former Australian Defence Force members — treating conditions, writing reports, and navigating the DVA system alongside them.
With 80,000+ DVA claims submitted and over 2,000 Permanent Impairment Assessments completed, Dr Perkins brings a depth of experience that simply cannot be replicated from a textbook. He understands the Statements of Principles, the GARP tables, the imaging that proves what a physical examination alone cannot — and the difference that a properly written report makes at every level, from initial liability through to the VRB.
Every chart review, every diagnostic assessment, and every impairment rating is personally overseen by Dr Perkins. If you’re looking for a doctor who knows veterans medicine inside and out, you’ve found the right clinic.
Contact us0429 146 039 reception@vhc.org.au
Book appointmentStart with a no obligation consult. You’ll know exactly where you stand.