Medical Discharge Advice for ADF Members and Veterans

We help ADF members and veterans maximise their DVA benefits from a medical discharge and ensure your financial stability post-separation.

max dva payouts

Maximise DVA Payouts and Entitlements

Get the most from your DVA entitlements following medical discharge.

military finance specialist

Military Financial Specialists

We specialise in military financial advice for veterans.

advice paid (2)

Advice Paid for by DVA

Many of our services are funded by DVA for eligible veterans.

What happens during an ADF medical discharge?

If you have been given a medical discharge from the ADF, chances are you are also facing a significant shift in your financial situation. Whether you can enter civilian employment or remain medically unfit for work, reviewing your financial situation and obtaining qualified financial advice can make a difference.

At National Service Financial, our team of financial advisers specialises in supporting veterans with their medical discharge from the ADF and any related financial implications. We help veterans get the most from their compensation, pension or incapacity payments. We aim to ensure you continue receiving a consistent income during your recovery and new life post-service.

Our Services

assessment and application

DVA Entitlement Assessment and Application

We evaluate your entitlements and provide support with DVA applications, ensuring you understand your benefits while assisting you in gathering the required documentation.

claims support

DVA Claims Support

Writing and submitting DVA claims can be tedious and complex. Our understanding of the process and experience in making these claims can expedite the process.

 

superannuation (3)

Superannuation Advice for DFRDB, MSBS and ADF Super

We’ll help you understand your ADF superannuation scheme better, including contributions, investment choices, medical benefits from super and strategies to enhance your superannuation benefits.

investment

Lump Sum Investment Strategies

Maximise the potential of any lump sum payments to develop investment strategies that align with your goals, ensuring your funds are utilised effectively for long-term financial security.

housing

Housing Entitlements Advice

We offer advice on housing entitlements, including DHOAS assessments, as we guide you through the application process, ensuring you receive all available support.

comprehensive finance planning

Comprehensive Financial Planning

You can receive financial planning services to secure your future, which includes budgeting, investment strategies, and retirement planning. Our team will work closely with you to create a personalised financial plan.

What client say about us

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Den Coronel profile picture
Den Coronel
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The team at NSF has helped me above and beyond to get my finances in control. Through multiple consultations they have made sure to cover all areas of my personal wealth. They have provided me with an in-depth plan to carry out financial decisions, along with with support and guidance around ensuring stable financial choices. I recommend Wayne and his team for all my wealth prospects, as they have given me an amazing outlook toward my future. They have been very professional and their communication is amazing.
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REGAN ELLIOTT profile picture
REGAN ELLIOTT
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This team of people are so genuine and honest. Really recommend Wayne and the girls for ex Defence people because they know the in's and out's of all things MSBS, Super and finance! Thank you guys for your help sorting me out! 5 🌟
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James Arnold profile picture
James Arnold
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I contacted Wayne and his team at National Service Financial during my medical discharge earlier this year and they have been exceptionally helpful and professional. Their knowledge regarding the DVA and CSC processes is fantastic and they have made the whole process easier to understand. They have also supported me in other areas such as real estate and setting myself up financially moving forward. They have always made themselves available to assist me with any queries or questions that I have had. They have made a huge difference during what was a difficult and stressful time. I would highly recommend anyone seeking financial advice to contact National Service Financial.
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Tim Loone profile picture
Tim Loone
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Have been extremely happy with the service and support from Wayne and Megan. They have always been available and offer honest and frank advice. Highly recommended
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Peter Hassall profile picture
Peter Hassall
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Their in depth knowledge of the ADF Medical Discharge process and network is focussed on ADF Members getting the right result and entitlements afforded to them. The financial guidance and recommendations have assisted me in making good decisions, for our families future, post Medical Discharge.
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Levi Cahill profile picture
Levi Cahill
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During a very stressful time separating from the ADF on Medical grounds after 21 years of service, I contacted Wayne at NSF in 2020 for help. With a wife and 2 young children to also worry about, Wayne and his amazing team of professionals made themselves available not only during normal work hours but worked around what days/times worked for us. NSF guided me through my discharge process and helped us secure our first home for my family and I which relieved a lot of financial stress. I have recently contacted Wayne again as my financial situation has slightly changed and again he made himself and his extremely knowledgeable team available to successfully guide me through process's in relation to the ever evolving DVA, CSC and taxation system. So again my family and I are in a much better financial situation purely because of their due diligence and up-to-date knowledge of Veterans and their associated eligibility for various benefits and support. To say they care about their clients would be an extreme understatement.
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S profile picture
S
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I recommend NSF, especially for serving military members and veterans. Wayne and the team helped us after the initiation of a transition from full time military service on medical grounds. They had the ability to clearly explain the interdependence of superannuation, insurance, compensation, and pensions and helped us make some informed and immediate decisions to improve our financial stability. The provided advice was also comprehensive and incorporated our personal goals. The team understand the challenges of transition and showed exceptional empathy and support at all times. Most importantly, we were assisted in purchasing a new home and felt supported during what may have been a complex and stressful process.
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Nathan Caddis profile picture
Nathan Caddis
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Highly recommend NSF for all financial consulting needs. As a member of the defence force transitioning into the civilian world, there was alot things I needed to sort to secure my financial wellbeing. Wayne and his team were quick to sort out what I needed, liaising with both DVA and Military Super to ensure I would receive exactly what I was entitled to in minimum time. We have now sought their expertise to help with the purchase of a new home. Again they have jumped straight into action to assist, even at short notice, liaising directly with numerous lenders to secure us the best product.
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Julie Anne Uljanic profile picture
Julie Anne Uljanic
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The National Service Financial team have worked wonders to set up our SMSF and investment portfolio. From our initial contact it was easy to see that Wayne and Megan know their stuff, they are incredibly knowledgeable and professional; and really just all round great people to deal with. I would have absolutely no hesitation in recommending their services to anyone starting out with a financial planning dream or wishing to upgrade to a top notch A+ financial service.

About Us

National Service Financial offers solutions for ADF members and veterans before, during, and after a medical discharge. We help you maximise your DVA benefits. Our focus is on ensuring long-term financial security and stability post-separation while helping you overcome any financial challenges you face.

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Why National Service Financial

why us ticks

Medical Discharge Process Experience

Our team has extensive experience in navigating the ADF medical discharge process, assisting members through their transitions, and ensuring that every veteran receives personalised guidance.

why us ticks

DVA & ADF Entitlements Expertise

We provide expert advice on maximising DVA and ADF entitlements, helping you identify and secure eligible benefits, and ensuring you receive financial support throughout your transition.

why us ticks

Veteran-Owned Business

We are a veteran-owned company, supporting veterans’ financial needs with empathy and understanding. Our team is dedicated to empowering fellow veterans through comprehensive financial planning.

why us ticks

Military Financial Advice Specialists

We specialise in financial advice for military members and veterans, and understand the issues they face. Our dedicated advisers are experienced in military compensation structures, superannuation options and benefits.

Who We Can Help

We assist:

  • ADF members facing medical discharge
  • Veterans seeking to maximise DVA benefits
  • Veterans requiring financial advice post-separation
  • Veterans and their families managing superannuation and pensions

Our Process

We offer a structured approach to financial planning for veterans, starting with a clear understanding of your situation.

1 (2)

Initial Discovery Appointment

During our initial consultation, we’ll assess your financial situation and discuss your needs. This appointment allows us to better understand your current financial status, goals and challenges.

2 (1)

DVA Benefits Assessment

We’ll identify DVA claims and benefits you may be entitled to, such as Special Rate Disability Pension and Incapacity Payments and assist you with the application process.

3 (1)

Lump Sum Investment Strategies

Receiving a lump sum payment after your medical discharge can be overwhelming. We’ll guide you through sensible, long-term investments to help ensure your lump-sum payment enhances your financial security.

4 (1)

Comprehensive Financial Planning

It’s important to consider your long-term finances after being medically discharged from the ADF. We’ll provide a complete financial plan to help ensure your income can support your lifestyle post-separation.

Incapacity Payments

Incapacity payments are compensation for economic loss due to your inability to work normally because of an injury or illness acquired while in service.

While they may initially be paid at a rate 100% equal to your original salary, this rate may decrease over time, causing financial difficulty and distress for some veterans.

Permanent Impairment Payments

When an illness or injury is recognised as permanent or indefinite, this is judged to be a permanent impairment (PI). PI payments can be made fortnightly or as a lump sum, with the amount payable determined through DVA assessment criteria.

These lump-sum payments or invalidity benefits are often linked to a veteran’s commonwealth superannuation corporation benefits. Lump-sum payments can seem like a financial win. However, they can be quickly depleted without careful management, leaving veterans in financial distress.

DVA Pension

DVA pensions are available for veterans medically discharged due to injuries or illnesses sustained during service. These pensions may include income support and compensation based on your level of impairment. Applying for these benefits requires professional assistance to ensure maximum entitlements.

Affordable Advice Without Compromise

DVA compensates veterans for financial advice fees, meaning eligible veterans can access our services at no cost.

Since our services fall under the DVA’s financial literacy benefits, it makes sense to seek financial planning support. At National Service Financial, we have extensive experience with veteran-specific financial issues, making us a top choice for financial advice.

Whether our services are funded by the DVA or paid directly, we guarantee the same high-quality guidance we’re known for. We prioritise delivering exceptional advice and support, ensuring you feel equipped to manage your finances after discharge.

For practical and effective financial solutions after your medical discharge from the ADF, contact National Service Financial today.

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