Incapacity · MRCA
Your wage, when service stops you working.
Incapacity payments keep your income whole - but only after CSC super and current earnings have done their work. We model the full waterfall including the granular hours-band step-down after 45 weeks, so you can see, line by line, why the figure landing in your account is what it is.
YOU
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Period
Hours currently worked (step-down band)
CSC super offset
Scheme
Classification
Estimated weekly payment
$102
per week · $205 / fn · $5,325 / yr
- Normal Weekly Earnings (NWE)
- $2,000
- Current weekly earnings
- − $0
- CSC super offset (100%)
- − $1,398
- After-45 step-down (75% of NWE)
- Not working
An honest estimate, not a promise. These tools apply the published DVA, CSC and VEA rates that drive every payment letter. Your real outcome turns on service history, accepted conditions, offsets, dependants and case-by-case discretion - the human details a calculator cannot see. Use the number to start the conversation, then bring it to Witton Lane for the financial plan or KSC Law for the claim itself.
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About Incapacity Payments
Replacing the wage service stopped you earning
Incapacity payments are weekly compensation under MRCA for the income you cannot earn because of accepted service-related conditions. They are not a pension - they are a wage-replacement, calculated against what you used to earn in the ADF and reduced by what you (or your super) can still bring in.
How it works
- Normal Weekly Earnings (NWE) is set first from your ADF salary at discharge, indexed forward each year.
- For the first 45 weeks you receive 100% of NWE less your current earnings less your CSC super offset.
- After 45 weeks, a step-down applies based on hours actually worked - from 75% of NWE if you cannot work, up to 100% if you have returned to full hours.
- CSC super pension is offset weekly at 85% for DFRDB and 100% for MSBS and ADF Cover. This is the figure that surprises most veterans.
- VEA Disability Compensation Payment, if any, is also offset before the final weekly figure is paid fortnightly through DVA.
Who it applies to
Incapacity payments are available where:
- DVA has accepted liability for the condition causing the incapacity.
- You are unable to work, or are working reduced hours, because of the accepted condition.
- A treating medical practitioner certifies the incapacity (usually on a DVA D9335 medical certificate).
- You are under Age Pension age - payments cease at 67 unless transitional arrangements apply, which is one of the reasons SRDP is worth modelling alongside.