Retrospective Medical Discharge Assessments for ADF Veterans

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.

Fees

Stage 1 — Standard ADF Discharge Medical

  • Chart Review$600 + GST
  • Letter of Support$600 + GST

Stage 2 (optional) — CSC Pension Medical

For an accurate CSC pension class determination.

  • Retrospective PI consultation$600 + GST
  • Retrospective PI report$600 + GST
Compare the two options ↓

What is a retrospective medical discharge?

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.

Examples of our work

See what a retrospective discharge medical looks like.

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.

Browse the full report library →

Watch

Quality in detail

See, in convenient video format, exactly what a retrospective discharge medical from VHC looks like.

The process

Two levels of retrospective discharge medical

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.

Option 1

Discharge Medical

The medical evidence to support a retrospective medical discharge.

  • Chart ReviewEvery page of your service record reviewed to establish what was documented at the date of discharge.
    $600 + GST
  • Letter of SupportA doctor’s letter answering the three questions the decision-maker asks: unable to fulfil duties, significant functional impairment, and incapacity as grounds for medical discharge.
    $600 + GST
  • Facilitates the medical discharge recommendation for retrospective discharge
  • Evidence referenced to the page of your record
  • Does not explicitly state the level of CSC pension class (Class A / B / C)
Book appointment
Option 2 · Recommended for a class determination

Discharge Medical + Class of Discharge Recommendation

Everything in Option 1, plus a retrospective Permanent Impairment Assessment so the report can accurately recommend the CSC class of pension.

  • Chart ReviewAs in Option 1.
    $600 + GST
  • Letter of SupportAs in Option 1.
    $600 + GST
  • Consultation for Retrospective Permanent Impairment AssessmentExamination and detailed history of your function as at the date of discharge, using the GARP methodology.
    $600 + GST
  • Retrospective Permanent Impairment ReportThe written impairment assessment, with the recommended CSC class (A / B / C) and the reasoning behind it.
    $600 + GST
  • Facilitates the medical discharge recommendation
  • Impairment rated as at your date of discharge (GARP)
  • Accurate recommendation of the CSC class of discharge (Class A / B / C)
Book appointment
What the evidence must show

What the doctor’s letter has to cover.

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.

A clear clinical diagnosis

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.

The historical timeline

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.

Impact on your military capacity

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.

Impact on civilian employability

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 evidence it is built on

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.

An opinion on the discharge itself

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.

The structure we use — and the one to give your own doctor

  1. Purpose and timeline. A retrospective assessment of the member’s medical standing as at the ADF transition date, and the material relied on to make it.
  2. Diagnosis. Each condition formally diagnosed, with the date of onset and when symptoms were first documented.
  3. Severity at discharge. The specific functional limitations and restrictions present at the time of separation, described rather than summarised.
  4. Employment restrictions and conclusion. The effect on both military duties and civilian employability, and a direct opinion on whether a medical separation was warranted.
Questions

Frequently asked questions

Is there a time limit on a retrospective application?

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.

Does this affect my DVA claims?

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.

Do I need to have been medically downgraded to apply?

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.

What if I discharged voluntarily?

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.

What is CSC actually assessing?

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.

Do the conditions have to be service related?

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.

What do Class A, Class B and Class C mean?

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.

Can I apply more than once?

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.

How do I lodge it, and what has to go with it?

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.

What evidence will CSC look at?

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.

Are there financial consequences if I am approved?

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.

How long does CSC take to decide?

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.

What does it cost, and when do I pay?

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.

Your doctor

Dr Thomas Perkins

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 appointment

Ready to find out more?

Start with a no obligation consult. You’ll know exactly where you stand.