Witton LaneKSC Law
Permanent Impairment · MRCA

The lump sum for what service left behind.

Permanent Impairment is the Commonwealth putting a number on what your body and mind carry from service. We turn your Combined Impairment Score, age, gender and service type into a live estimate using the GARP-V compensation-factor tables and DVA's age × gender actuarial factors - the same maths DVA uses.

20 March 2026
YOU
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Combined Impairment Score · 40
04080+
Service type
Gender
Age · 35
Eligible dependants (Young Person Payment, CIS ≥ 80)
0
Estimated lump sum
$231,910
Weekly PI compensation
$182 / wk
GARP-V compensation factor
0.421
Lifestyle index (from CIS)
3
Actuarial age/gender factor
1275.6
PI lump sum (weekly × factor)
$231,910
Young Person Payment (CIS ≥ 80)
$0
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 Permanent Impairment

What MRCA Permanent Impairment compensation actually covers

Permanent Impairment (PI) is a one-off compensation payment under the Military Rehabilitation and Compensation Act 2004 for the lasting effects of accepted service-related conditions. It is paid in addition to incapacity payments and treatment, and it does not replace your income - it recognises that the impairment itself is permanent.

How it works

  • Each accepted condition is assessed under GARP M by a DVA-appointed medical adviser to produce an impairment rating and a lifestyle rating.
  • Ratings combine into your Combined Impairment Score (CIS) in steps of 5 points, capped at 80. The CIS and lifestyle score look up a compensation factor in the GARP-V tables.
  • Compensation factor × maximum weekly PI rate gives your weekly PI compensation - the base from which the lump sum is calculated.
  • Weekly rate × actuarial factor (age + gender) converts the weekly figure into a lump sum. Younger veterans receive a larger lump because the weekly is expected to be paid for longer.
  • From CIS 80, an Eligible Young Person Payment is added for each dependent child under MRCA section 80.

Who it applies to

PI is available to current and former ADF members whose conditions have been accepted under MRCA, where:

  • Liability has been accepted for one or more service-related conditions.
  • The combined impairment from those conditions reaches at least 10 points under GARP M (5 for warlike injury).
  • The impairment is permanent and stable - meaning further treatment is unlikely to materially improve it.

Common questions