When a service member or federal employee is forced to medically retire, the battle is often just beginning. What should be a medically supported transition can quickly turn into an administrative nightmare—especially when the disability rating assigned by the Medical Evaluation Board (MEB) or Physical Evaluation Board (PEB) doesn’t reflect the full extent of their service-connected conditions.
The 30% and 50% Thresholds: More Than Just Numbers
For military personnel, a disability rating below 30% at separation can mean being cut off from full military retirement and healthcare benefits—even while the Department of Veterans Affairs (VA) may assign a much higher rating for the same condition.
Even more critically, those medically retiring after 20 years of service need a minimum VA disability rating of 50% to receive Concurrent Retirement and Disability Pay (CRDP)—the ability to collect both retirement and disability benefits in full. Anything less results in an offset that significantly reduces long-term financial security.
“For service members approaching medical retirement, achieving a 50% VA rating is absolutely crucial if they want to access concurrent retirement and disability benefits,” says Annie Morgan, Senior Military Defense Counsel at the Law Offices of David P. Sheldon. “That rating threshold can mean the difference between a full pension and a lifetime of lost entitlements.”
Morgan emphasizes the importance of including all physical and mental health conditions in one’s VA claim, along with detailed, service-connected documentation and the use of specific language that aligns with VA criteria.
The Fallout of an Inaccurate Rating
Too often, service members are rushed out of service with a DOD disability rating that doesn’t align with the medical evidence or the VA’s later determination. A recent Stars and Stripes report revealed widespread inconsistencies in how the Department of Defense and the VA assign disability ratings, particularly for combat-wounded veterans:
“A review of cases by The Associated Press found that some combat-injured troops received low DOD ratings despite severe conditions later rated at 70% or higher by the VA.”
— Stars and Stripes, March 21, 2025
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These discrepancies leave veterans without the retirement they earned and push them into lengthy appeals or corrections through the Board for Correction of Military Records (BCMR).
Legal Support Can Make the Difference
This is where the Law Offices of David P. Sheldon can make a critical difference. As one of the nation’s premier military defense and administrative law firms, the firm has extensive experience representing service members and federal employees at every stage of the medical retirement process.
Whether you’re:
- Challenging a low disability rating from the MEB or PEB
- Filing a VA disability appeal to maximize your rating
- Requesting a correction through the BCMR to secure retirement pay retroactively
- Protecting your security clearance while undergoing medical retirement
- Or seeking medical retirement as a federal civilian employee
The Law Offices of David P. Sheldon brings decades of experience to your side. The firm has secured life-changing results for clients who were improperly separated or mis-rated, restoring retirement benefits, back pay, and dignity.
Steps You Can Take Right Now
- Document Every Condition. Make sure all medical issues—especially mental health—are recorded in your military or federal medical file.
- File a Detailed VA Claim. Include every diagnosis, symptom, and its impact on your ability to work or perform daily tasks. Use specific language tied to VA rating criteria.
- Don’t Rush Retirement. If you’re close to hitting 20 years, make every effort to reach that threshold. It significantly changes your eligibility for benefits.
- Push Back Against Low Ratings. Appeal decisions from both the VA and the DOD if they do not reflect your medical reality. You have legal rights to challenge those outcomes.
- Seek Experienced Legal Counsel. Navigating the MEB, VA system, and BCMR is incredibly complex—having a team that specializes in these areas can maximize your outcome.
Final Thoughts
Medical retirement is more than a paperwork process—it’s the final chapter in your military or federal career, and it deserves the full weight of accuracy, fairness, and advocacy. If your service has come at the cost of your health, don’t settle for less than the benefits you earned. Get the right support, fight for the correct rating, and ensure your retirement reflects your sacrifice.
Key Resources
- VA Disability Compensation Overview
- Concurrent Retirement and Disability Pay (CRDP)
- DoD Disability Evaluation System (DES) Guide
- Board for Correction of Military Records (BCMR) Process
📎 Learn more: https://www.militarydefense.com
📞 Schedule a consultation: 202-546-9575